If you live in Bath Ohio, let me have the opportunity to be your Real Estate Agent...I'll sell your home fast.
When I meet with a client to sell their home, the first thing I do is find out their wants and needs. It seems, though, that the meeting usually comes down to a few questions: "Can you sell my home fast?" and "How much is my home worth?"
In order to sell your home effectively and efficiently in this market, you need to have a Real Estate Agent who is a specialist at what they do. They need to have current knowledge of the Bath Ohio marketplace, effective negotiation skills and marketing expertise. You can look in the newspaper or do an on-line search for "Bath Ohio Real Estate Agent" and there will be any number of companies and Real Estate Agent's you can pick from. My goal is that with the information I have below, you will give me the opportunity to be your savvy Bath Ohio Real Estate Agent.
Please click here to view my website.
If you have any questions, click here for my contact info.
I look forward to working with you and like it says above...Hire me to be your Bath Ohio Real Estate Agent and I'll Sell Your Home Fast!
Now is the time to BUY investment property for CASHFLOW in Northeast Ohio!
It seems like every media outlet in the country has some article, editorial or advertisement about how bad the real estate market is in this country. I would be foolish to argue those negative statements the media is drowing us with. But what I can do is look at the current situation and try to find a positive.
I'm so excited about the opportunities in the Northeast Ohio market today that I can hardly sleep at night. It seems like I toss and turn, thinking about the next great investment property that will hit the market and who I am going to call to sell it to. Whether you are an experienced investor or a newbie thinking about getting your feet wet, now is the time to BUY investment property in Northeast Ohio!
The Northeast Ohio market is filled with opportunites like foreclosures, bank owned homes, HUD homes and short sales. Every investor knows the key to financial freedom: RESIDUAL CASHFLOW. What better vehicle is there than a cashflow generating asset that essentially pays for itself?? Although it is a travesty that so many individuals and families are losing their homes, these people still need a place to live. Owning an investment property is a great way to give these indivudials a place to start over.
Contact me for great investment properties available at discounted prices TODAY!
What is my credit score in Ohio and how will it determine my savings?
When you are buying a home in Ohio, your credit score is a crucial number that will determine the savings, if any, you receive when getting your loan. The interest rate you will pay for the money you borrow is mainly determined by your credit score that is generated from the information found in your credit report.
Most lenders in Ohio have rules on giving out the best interest rate and terms, and those rules almost always place a major emphasis on your credit score. For example, if the best interest rates are offered to borrowers in Ohio with a score of 750 or higher and yours is a 748, those 2 points could cost you hundreds, if not thousands of dollars.
According to www.myfico.com, the consumer Web site of the Fair Isaac Corp. that created the FICO score (the most commonly used credit score), the interest rate difference between those two scores is one-half percentage point. On a $165,000 30-year fixed rate mortgage, that half point could cost you more than $19,000 in interest charges, assuming 6 percent is the lowest rate available.
Improve your credit score in Ohio quickly:
There are steps you can take to improve your credit score in Ohio. A number of variables play into an individual credit score, but the best credit scores are generated by paying your bills on time, keeping account balances low and taking out new credit lines only when needed.
Look for errors in the credit report, such as accounts that aren't yours, late payments that were actually paid on time, debts you paid off that are shown as outstanding or old debts that should not be reported at all. Then, fix the errors with the credit reporting agencies.
After you fix the errors, the fastest way to improve your credit score in Ohio is by paying down balances on credit cards. It may be possible to improve your credit score by paying down your credit cards. NOTE: Typically, closing unused accounts won't affect your credit score either way.
Leave the oldest credit cards open. If you close the account of the credit card you opened when you were a freshman in college and leave the credit cards you just received within the last couple of years open, you are made to look like a "newer" borrower.
One more tip: Transfer balances from a credit card that is close to it's limit over to other credit cards to even out your usage. If you aren't able to do this, or this isn't applicable to you, try spreading out your charges between a few credit cards.
The tips above are just a few ways to improve your credit score in Ohio.
Please visit my website if you have any other questions about this information or for all your other real estate needs.
Thanks!
Savvy Residential Real Estate Marketer / Investment Real Estate Expert / Short Sale Specialist
I am a licensed REALTOR® with Stouffer Realty, Inc., an industry leader in Northeast Ohio. For more information, please check out my resume.
Whether you are a first time buyer or an experienced investor, I have all the skills necessary to fulfill your real estate goals! In today's market you need a Real Estate Specialist who is an expert in helping you choose the right property for the right price, negotiating, financing, marketing your home and helping you with your move.
Being a full-time Real Estate Specialist, I am enthusiastic about the clients I serve. My goal is to make sure the entire buying and/or selling process moves smoothly from start to finish.
Below is a little bit of information about a few of the areas I serve:
• Summit County - Located within 500-mile-radius of nearly 50 major cities, yet surrounded by more than 40,000 acres of parkland, Summit County offers a high-benefit, low-cost living environment that suits every lifestyle. The University of Akron, the fourth largest public university in the state and a world leader in polymer research, is located here. Outdoor enthusiasts will love the Cuyahoga Valley National Recreation Area and more than 33,000 acres of park lands where you can hike, bike, canoe, ski, horseback ride, and camp.
• Portage County - Portage County offers a small-town, rural environment, yet is known as Northeast Ohio’s “educational and recreational heartland. ” The region is home to three major colleges: Kent State University, Hiram College, and the Northeast Ohio Universities College of Medicine. West Branch State Park is a favorite destination for boating and swimming enthusiasts, as is Berlin Reservoir, Ohio’s 5th largest inland lake.
• Medina County - The fastest growing county in Northern Ohio, Medina County is strategically located close to all major markets – yet this picturesque area is best known for its small-town charm and historic Victorian architecture. Medina County’s growth has resulted in a quality of life that includes a full-service hospital, a highly rated school system, and a variety of housing options. The county also boasts low taxes, low crime rates, affordable land and beautiful neighborhoods.
• Stark County – Stark County offers a winning combination of big-city amenities, beautiful countryside and rich history. You are never more than minutes away from medical centers, shopping, entertainment and sports, or a tree lined street and an old-fashioned, Amish-cooked meal.
ATTENTION - SELLER FAQ's:
Q. What price can I expect for my home?
A. As a full time Real Estate Expert, I am able to provide you factual information about what competing homes in the current marketplace are selling for. This information is based on a Competitive Market Analysis (CMA) that I personally perform. It contains numerous statistics about comparable home sales in your area. Feel free to contact me for a FREE, no obligation CMA.
Q. How do I prepare my home for a sale?
A. Here are a few ideas for making a great impression on potential buyers - Tips for Preparing Your Home
Q. How will you market my home?
A. Besides pricing your home correctly, having a marketing plan is crucial...I will be your marketing coordinator, sending out relevant information about your home to thousands of licensed Real Estate Agents through the Multiple Listing Service (MLS), as well as advertising to the public with the use of many other tools such as the Internet, print ad's and open houses. One misconception about advertising is that you need A LOT OF IT. This couldn't be farther from the truth. Overexposure of a particular home may give a buyer the impression that your home is distressed or you are desperate. As your marketing coordinator, I will know when, where and how to advertise your property.
Q. What about negotiating the price of my home?
A. The negotiation process has many of same issues for both buyers and sellers. I will help you objectively evaluate every offer without compromising your marketing position. An offer to purchase is only the beginning of a process that includes financing, appraisals, inspections, etc...In short, many possible pitfalls. I am there to assist you from A to Z, ensuring the agreement makes it through the process.
Q. How do Real Estate Agent's get paid?
A. Typically, Real Estate Agents receive a fee based on the purchase price of the home; the percentage of which varies from agent to agent. The fee is almost always paid by the seller, but this can be part of the negotiation process. Real Estate Agents are independent contractors and receive no other financial benefit other than the sales commission. The commission generally pays for advertising, cell phone/telephone, Internet, gas and other office business expenses incurred during the sale of your home.
SHORT SALES
There are good deals out there for buyers who have a Real Estate Expert who knows where to look! Short Sales seem to be the new buzzword in the industry. If you have a little bit of patience and don't mind waiting around for a great deal, a Short Sale can be a great option. That being said, here are some pointers about banks and dealing with a possible Short Sale situation:
- Banks and mortgage companies do not always have certain methods or guidelines to process Short Sales
- A home owner who wishes to sell their home using the Short Sale option must have a third-party approval; the third-party, a.k.a. the bank, must agree to the contract regarding their interest in the seller's home
- When attempting to buy a Short Sale, a buyer should ALWAYS work with a Real Estate Agent who specializes in Short Sales
NOTE TO SELLERS:
Your credit score can be negatively impacted because of a bankruptcy, Foreclosure or Short Sale. A bankruptcy will usually be on the your credit report for about 6-10 years; a Foreclosure will usually be on your credit report for 2-5 years; a Short Sale might be on your credit report for about 2 years. If you are pondering a Short Sale as an option, it is in your best interest to slightly discount the price of your home in order to expedite the Short Sale transaction. This will almost always work in your best interest in order to help you move on from your current financial burden.
My Commitment to You
I know and understand the neighborhoods within Summit, Portage, Stark and Medina Counties. I specialize in locating dream homes that fit your AND budget. Born and raised in Summit county, I have first hand knowledge of the property values, school systems, neighborhood character and financing options these areas.
I will handle all of the details during your purchase and closing of your new home. From your initial offer through the inspections and escrow title-work, I will inform you of everything you need to know, all the while freeing you from the stress of technical details. My only goal when helping you find your dream home is a smooth and efficient transaction!
What can I afford?
The process of buying a home, or investment, starts with determining your buying power - in other words, your monetary reserves plus your borrowing power. When you provide me with a few simple and basic pieces of information about your available savings and income, I will help you identify a qualified, experienced lender with proven success in their field that meets all of your financing needs. Stay up to date with the current mortgage rates.
What does my credit rating and how does it affect my buying power?
I posted a blog with credit rating FAQ's - Check it out!
What can I expect at closing?
My job isn't complete until you have signed all of your closing paperwork. As a friendly reminder, here are a few items to have at closing:
• A Certified or cashiers check for the balance of your down payment
• Your homeowners insurance binder - homeowners insurance or hazard insurance is required by mortgage lenders
• Your photo ID
What will I sign at closing?
Here are a few of the most common items signed at closings:
• A document stating the specific details of your loan - i.e. your monthly mortgage payments, the amount of your loan, the term of your loan and its interest rate
• A promissory note stating you will make the monthly mortgage payments
• The mortgage documents - only if you are receiving a loan
Moving Tips
In order to make your move as smooth as possible, Stouffer Realty, Inc. has compiled a list of moving tips.
I understand the excitement of a searching for a new home. I promise to help you locate the home of your dreams!
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