Hanover, PA

Grand Opening - Advance Realty Heritage, located at 1150 W. Elm St., Hanover, PA 17331

It's my pleasure to welcome Gene Bailiff and Advance Realty Heritage to the Advance Realty family. Gene is the Broker and Manager of our latest Advance Realty office in Hanover, PA. Advance Realty Heritage is the fourth Advance Realty office to open in Pennsylvania and will serve York and Adams County. Gene and his wife Tonya live in Hanover and their children attend local schools. Gene formerly held his real estate license at Advance Realty Timonium in Timonium, MD. Gene has many years experience in the real estate market and is a great agent and a great asset to Advance!!

Please join us on Wednesday, October 7, 2009 from 12 - 2pm for Gene's Grand Opening celebrations. For more information call 717.634.2729.

Advance Realty, known for its low 1.75% fee and consumer-driven programs, was established in 2001 in Baltimore Maryland. Within the last three years, Advance has moved into six states following a steady expansion plan. Through the "List more, sell more" system, agents are offered the most incentive rich, income-generating programs available in the trade and the most long-term profitability. Advance Realty offers complete real estate services and money-saving programs to clients in addition to numerous agent benefits including profit sharing, integrated real estate technologies and comprehensive training.

If you are thinking of buying or selling a home give me a call today and we'll talk about the market conditions and what your home could possibly be worth in today's market place if you are thinking of selling. You can save thousands by listing your home with Advance Realty Anne Arundel Inc.. If you are considering buying a home, there is no better time than now to buy. The tax savings and wealth building a lone is worth the plunge into todays market.

In keeping with saluting our heroes, during 2009 Advance Realty Anne Arundel Inc is waving administrative fees active duty military, retired military and the families of fallen military, as well as policemen, firemen and emt's. If you enter into a contract by the New Year's eve Advance Realty Anne Arundel Inc. will waive the admin fee at settlement. This is a $350 savings. If you are thinking about buying or selling a home give Advance Realty Anne Arundel a call and receive full service real estate assistance from an experienced agent. Our office is open 7 days a week and we can be reached at 410-761-1550.

June Piper-Brandon, Broker - Advance Realty Anne Arundel Inc.

I just finished looking into a new company that has moved to the Hanover pa area.

They shall remain nameless. I never want to slam someone trying to make a living.

They are a credit repair company that took out a good size ad in our local paper.

The ad was nicely presented and informative. promises to pay the consumer $10,000 if they fail!!

Also the company boosts they are former credit bureau executives.. how can you go wrong.

I had to look into this. Many of my buyers that have some bumps on there credit may want to take this route.

I went to the web site and looked around. Everything sounded good and no bull it was all on the up and up.

The client had to be responsible for keeping in touch and doing some leg work .

This company will do a lot more then send letters and dispute , they seem to know the ins and out of the credit industry!! I was impressed.

The down fall They charge up front $795.00. Ouch!

I was really thinking hey maybe I can work together with this company and help some of my clients ...

You know always thinking about how to get to a sale.. And a renter to a home owner.

The question is.. Would you as a buyer want to pay $795.00??? That just seems over the top. Or maybe I am out of touch.

Or would you just work on it on your own?? It will time , energy, and patience.. But it will not cost you $795.00... Just some blood,sweat and tears!!!

I have sold homes in and around Hanover School District for years now.

NEVER>>> have I seen the prices I am seeing now.

I just did a quick search of detaches single family homes in the Hanover pa school district.

There are 35 singles family homes priced below $199.900..

Most are in quite neighborhoods. Some are in town.

All have yards and there own privacy.

There are ranchers, colonials, an English tutor, cape cods, and farm typr homes.

However my point is just in one smal school district i have found 35 homes that list from $70,000 to $199.900 !!!

This is big news as we all know you could barly buy a town house for this....

Pay no mind to the media . Look and Buy .. NOW IS THE TIME !!!!

As always I am here to help you with your real Estate needs .sharris@aqre.com

www.buyandsellwithsharon.com

Save yourself a lot of worry and wheel spinning. Just take some time to figure out just how much you Can afford to spend on a home.

Here are just a few basics one can do while sitting at the kitchen table...

As a rule of thumb a lender will want to see your mortgage payment to equal no more then 29% of your u GROSS income. This this money you make before anything is deducted from the check.

Then you need to consider the currant loan interest rate.. In today market about 6 to 6-5 % is a good figure to work with.

Of course the lower the interest the more home you can afford.

OK lets say you make 60,000 gross pay a year. you take $60,000 x 29% is..174000

Now divide this by 12 months..1,450 now lets say if you add on interest 6% that comes to $ 87.00.

This means to me you should try to find a home that Will run you about 1,000 to 1,100 a month. this way your pmi..( private mortgage insurance) and your interest and taxes will all fit into the 29% of your pay.

I know this is a lot to grasp. But get out the calculator and pay around with the figures.

It pays to be smart and know the odds before taking on a mortgage.....

Comming to spend some time in our town soon? Or maybe you live here already.

I have just found a neat site that allows you to print coupons to use around town.

There are coupons from vaccums to Pizza. Something for everyone to enjoy.

In todays tough time of high gas prices and inflation on the rise who can't use a little help?

And if you are raising kids you know that you can use the food coupons to treat them from time to time!!

Here is the link to your coupons..ENJOY!!

http;//www.eveningsun.com/coupons