Marvelous Mary Novak CDPE Sells MI Real Estate

Here we go again. Government doing what they want to do without notifying anyone! Genoa Twp has an ordinance vote scheduled for this Monday. Covering the issue of fences. This ordinance will affect especially those on lake lots who do not want their views obstructed with privacy fences. Currently the ruling states that a fence can not run down to the lake. What Genoa Twp is proposing is getting rid of that ruling and vote in a new fence guideline that would allow a fence to go all of the way to the water. Oh, and the fence can be whatever you want it to be.....currently the ordiance allows a fence with a certain height guidelines and a certain amount of distance from the shoreline.

What an absolute waste of government or rather TAXPAYERS dollars. Leave the fence ordiance as it stands!

The meeting is Monday at 6:30 pm at the township hall on Dorr Rd in Genoa Twp.
810-227-5225

Gary McCririe (Supervisor) gary@genoa.org
Mike Archinal (Manager) mike@genoa.org
Kelly (planning director) kelly@genoa.org

Please ask that if anyone emails or calls them they should identify themselves by name, address just so they know that they are residents of Genoa Township. You don't have to live on a lake to oppose a change of ordinances.

Thank you again for your time and concern.

We didn't have time to do a petition because this meeting, I believe by design, is on the "down-low."

Please don't let small government try to ram ordinances down our throat without public notification! Just imagine going on a leisurely boat ride and all you see on shore is fence after fence after fence.....

Today I received a phone call from a fellow agent telling me that she received an order to do a BPO on my house. After I picked myself up off the floor, I asked her who ordered it. She didn't have the information or why it was ordered but through our discussion we determined that the bank is looking to see if due to the falling values of homes in MI, if my home DOES NOT pass the 80/20 rule then I could begin being charged PMI. Has anyone heard of this?

I am current on our mortgage. Saturday we received a letter telling us that our loan was sold to Bank Of America.....I am seeing RED and ready to revolt! Oh I forgot--Bank of America is shipping American jobs overseas! I KNOW THAT OUR TAXES WILL GO UP TO BAIL OUT THE BANKS (WHO HAVE NO GUIDELINES TO FOLLOW).....but can they REALLY begin charging me PMI because the home value has dropped?

Let me know if you are ready to jump on my bandwagon~let the revolution begin!

Any and all comments are appreciated!

"Professionally Bringing Home Buyers & Sellers Together in a CHALLENGING Market"

www.MarvelousRealEstate.com

Has The Housing Market Bottomed Out?

By "Marvelous" Mary Novak, Realtor®

So you have been reading the papers and watching the news....when is the housing market going to bottom out so that I can get the DEAL OF A LIFETIME.....no one knows when we have hit bottom until after the fact. But the fact is, NOW is the time to buy real estate! Interest rates are low, there are still some fabulous loan programs available and President Obama has signed an $8,000 First Time Buyer credit. Not only that, but the State of Michigan is looking into offering an additional first time buyer credit in the amount of up to $10,000-this hasn't been approved yet, but the bill is being seriously considered.

Working with a professional licensed real estate agent is the first step in acquiring a home. Realtors® have access to new listings before they even hit the web sites. An agent will guide you through the process so that your offer is a good offer and stands up against the rest. Don't believe for a minute that you can write a low ball offer on properties. Many buyers believe that it is a buyer's market and they can purchase a home substantially lower than the asking price. Truth is many foreclosed properties are listed below market value so that a bidding war ensues and the price is bumped up by frenzied buyers. A realtor will tell you honestly what the true value of the property is before you write the offer. Let me dispel the myth that realtors are only after a big commission check. If we (realtors) believe the property is worth at or more than the asking price, we will ask you to consider writing the offer for more. This isn't because we want a big commission check, the reason we are asking the buyer to consider this is that we don't want the buyer to be disappointed when their offer isn't accepted or worse yet, the buyer finds out that they lost their "dream" home by only a few hundreds dollars.

As a Realtor I take my profession seriously. I am always reading articles and books on the real estate market and taking classes to stay ahead of the curve so that I can provide the best service possible for my clients. I go the extra mile to get a transaction completed. Because the best compliment I can receive is a referral from a past clientJ

Thinking about buying real estate? Call Marvelous Mary at 810.844.2280 and let her experience and knowledge walk you the process. For additional real estate information check out www.MarvelousRealEstate.com or email Marvelous Mary your questions at MarvelousRealtor@gmail.com

MarvelousMary4302009©

Who doesn't want to try to save money! I know a lot of folks don't have eyeglass insurance so, here is a link that was sent to me on eyeglasses. I checked out the prices and they are cheap. Plus they have a help line that is user friendly. I have not used this site before, but thought I would it write about it. With the Michigan economy and everyone trying to save a few bucks......http://www.zennioptical.com

"Professionally Bringing Home Buyers & Sellers Together"

I was in the process of writing up a purchase agreement for a bank owned property yesterday. Wells Fargo is the property owner....anyways, one of the requirements is that the buyer has to be preapproved by Wells Fargo. The buyer can get financing through anyone, but I guess Wells Fargo is hoping that if you throw enough pre approvals against the wall one will stick.

I decided to check out the Wells Fargo web site to see if they were offering buyer incentives (I am always looking out for my buyers.) BUT what do I find instead, employment opportunites--no problem with checking it out, right....the job opportunities are for positions in India. I am steaming mad! We (the taxpayers) have given Wells Fargo bail out money, they just posted phenomenal earnings, people in the USA are being tossed out of their homes AND Wells Fargo is sending jobs overseas. The reasoning is that while the sun is setting here, the files can be worked on oversea. I don't know about you, but I know plenty of people who would work 24/7 just to have a job! Please, email Wells Fargo and tell them to stop this craziness! www.WellsFargo.com

GOD BLESS AMERICA!
"Professionally Bringing Home Buyers & Sellers Together"