$284,900 :: 36690 STACEY, NEW BALTIMORE MI, 48047

Property Photo

3 beds, 2 baths
Home size: 2,139 sq ft
Lot Size: 14,374 sq ft
Added: 11/30/17, Last Updated: 11/30/17
Property Type: Single Family
MLS Number: 58031336137
Community: New Baltimore
Tract: HIDDEN RIDGE ESTATES SUB
Status: Active

Meticulously clean, tastefully decorated and artistically landscaped on gorgeous 90×160 lot backing up to woods. Cathedral ceiling in huge foyer, great room and den. Kitchen with 2 bay windows and walk in pantry. Very open and spacious floor plan. Must see to appreciate! Price and compare!

Listed with RE/MAX First


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$100,000 :: 47825 JEFFERSON, Update MI, 48047

3 beds, 1 bath
Home size: 1,100 sq ft
Lot Size: 0 sq ft
Added: 11/29/17, Last Updated: 11/29/17
Property Type: Single Family
MLS Number: 371998
Community: Chesterfield Twp (50009)
Tract: ANCHOR BAY HARBOR
Status: Sold

CHARMING RANCH ON LG FENCED LOT. COUNTRYKITCHEN W/STOVE & FRIDGE INCL., NEWER WINDOWS.3 CEIL FANS, CERAMIC BATH, NEWER CARPET, 24 FTABOVE-GROUND POOL. 2.5 CAR GARAGE. MORE! CALLJACK TAZZI (810) 403-1254–PAGER.

Listed with Keller Williams Macomb St Clair


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$225,000 :: 45820 EDGEWATER, CHESTERFIELD Township MI, 48047

Property Photo

3 beds, 1.1 baths
Home size: 1,200 sq ft
Lot Size: 6,098 sq ft
Added: 10/19/17, Last Updated: 11/29/17
Property Type: Single Family
MLS Number: 58031333605
Community: Chesterfield Twp
Tract: ANCHOR BAY SHORES
Status: Sold

BOATERS DREAM HOME, CHESTERFIELD CANAL FRONT RANCH FOR SALE! Enjoy 50 feet of Canal front to park your boat on this extra deep canal. This home also has the luxury of having Lake St. Clair views from several rooms & from the backyard, making it the perfect place to enjoy the lake at a fraction of the cost of being on the lake. You could also launch your kayaks, Jet Skis, or swim in the canal that is wide enough to turn around practically any size vessel. Below your deck is a steel seawall to protect your waterfront land. Along with the waterfront deck there is a nice patio area and plenty of yard to entertain & enjoy that great view. Inside you will find an awesome over sized sun-room (not included in the square footage) with new ceramic floors & full of tons of windows to enjoy that lake view & soak in the natural light. This move in ready house has tons of great updates including: New Australian hardwood floors throughout, new furnace, updated windows, kitchen, baths & dem. roof.

Listed with Keller Williams Realty Central


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$102,500 :: 49641 MICHELLE ANN, Update MI, 48051

3 beds, 1 bath
Home size: 1,040 sq ft
Lot Size: 0 sq ft
Added: 11/28/17, Last Updated: 11/28/17
Property Type: Single Family
MLS Number: 371369
Community: Chesterfield Twp (50009)
Status: Sold

KNOWN TO LISTING AGENT. 4 TH BEDROOM INFINISHED BASEMENT.INFOR DEEMED RELIABLE BUTNOT GUARANTEED.

Listed with Advantage Realty


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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Homes in Major Markets Realize Thousands in One Year

Homes in major markets have realized over $10,000 in the last year in value, according to the October Zillow® Real Estate Market Report. In fact, the median nationally has risen over $12,500. Appreciation is highest in the San Jose, Calif., metropolitan area, where prices have soared $118,200, or 12.3 percent, to a median $1,076,400. Nationally, there are now 11.7 percent fewer homes for sale compared to one year ago.

“We are in the midst of an inventory crisis that shows no signs of waning, impacting potential buyers all across the country,” says Dr. Svenja Gudell, chief economist at Zillow. “Home values are growing at a historically fast pace, and those potential buyers want to get in the market while they still can. But with homes gaining so much value in just one year, buyers—especially first-time buyers—have to set aside more and more money for a down payment just to keep up with them. Unfortunately, there’s just not enough homes for sale, and demand will continue to drive prices higher until we reach a better balance between supply and demand.”

For more information, please visit www.zillow.com.

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$85,000 :: 33829 HOOKER, New Baltimore MI, 48047

2 beds, 2 baths
Home size: 1,000 sq ft
Lot Size: 0 sq ft
Added: 11/27/17, Last Updated: 11/27/17
Property Type: Condo/Townhouse/Co-Op
MLS Number: 317932
Community: New Baltimore (50010)
Status: Sold

Exclude refridgerator in basement. ASSOC. FEE’SARE $89.58 include’s water, garbage, outsidemaint.SHOW AND SELL!!PRICE REDUCED TO 89,900!!!

Listed with Century 21 Market Tech Realtors


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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How Much Do You Know About Your Credit Score?

While your credit score affects everything from your ability to buy a car or a home to how much interest you will pay on the loan, many people don’t know how these scores are calculated or what impacts them positively or negatively.

Moreover, says the Credit Federation of America (CFA), more than 25 percent of respondents in a recent survey did not know that a low credit score could increase the cost of a car loan by $5,000. More than half didn’t realize that utility companies, cellphone companies, and even insurers sometimes check credit scores before issuing services—or that multiple inquiries in a short time, as when you are shopping for a loan, are treated as one inquiry in order to minimize the impact on your score.

The CFA provides more about credit scores that every consumer should know:

All your credit scores are not the same. Most people assume their credit score is a single three-digit number, but each of the three major credit bureaus (Experian, Equifax, and TransUnion) scores you differently, since they don’t necessarily have the exact same data in their files.

Closing old accounts will not necessarily boost your scores. Closing old or inactive accounts may inadvertently lower your credit score because now your credit history appears shorter. If you want to simplify, close newer credit accounts first, or put the cards away so you don’t use them, but your credit history stays intact.

Paying off a bad debt will not erase it from your score. Once a debt goes to collection, or you’ve established a history of late payments, you will deal with the consequences even if you pay off what you owe. It will show as paid, but it is not erased. Also, while your score will get a boost if you pay off an old debt, it may not be by as much as you think. The best way to increase your scores and keep them high is to make payments on time every month over the long haul.

Co-signing for a loan impacts your scores. When you co-sign for someone else’s loan, you are responsible for the debt—and if the person your co-signed for does not pay, your credit score will be impacted.

For the latest real estate news and trends, bookmark RISMedia.com.

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Smarten Up Your Showings With Smart Home Technology

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By Christy Matte, guest contributor

Smart homes with security and automation features are becoming a hot trend, and they can be an exciting way to dazzle prospective home buyers (and up your staging efforts to a high-tech level at the same time). But if buyers have never experienced an automated home environment, rattling off a list of features could be meaningless at best, and confusing at worst. Here are some fun ways to show a home with smart features, so the buyers will be wowed and you can clinch the sale.

Know What It Is and How It Works

It should go without saying, but make sure you can control the features like a security system, smart locks, or smart lighting, before trying to introduce them to buyers. Ask the homeowner for tips, test them out, and be ready for the big show.

Get the Apps

Ask the seller for access to the associated apps for the various systems. Even better, convince the sellers to tie all smart home technology into one convenient smart hub. It’s an easy task with the help of their Internet service provider. Install one app on one device so prospective buyers can try them out.

Educate Buyers on the Benefits

Make a one-page list of the features, specifically showing how they can save time and money, while also providing increased security.

Go Beyond the Basics

Most people have a basic understanding of a traditional home security system. Show them how this particular system can go even further. Can it send them a text message for smoke detection or a water leak? Can you open the smart lock with your own designated code? Show buyers how much flexibility is available. Security systems aren’t just for protecting against theft anymore.

Have Fun!

Use motion detectors to trigger mood lighting and automated music as buyers move through the home. Let them set off the sprinkler system (after touring the yard, of course) with a swipe of the app. Teach them voice commands to trigger the home’s other functions.

With the right planning, you can turn your everyday showing into something truly special and extremely smart.

ABOUT THE AUTHOR: Christy Matte is a Boston-based writer who covers home security for XFINITY Home. She is also a die-hard techie who blogs at QuirkyFusion.com. 

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4 Ways to Pay Off Your Mortgage Early

(TNS)—If you can afford it, it might be simple to pay off your mortgage earlier. But should you? That’s a complicated question.

Homeowners with low mortgage rates may be better off putting extra money in a Roth IRA or 401(k), both of which might offer a higher return than paying off the mortgage.

Then there’s the college aid factor. If you’re applying for need-based aid for your kids, that home equity could count against you with some colleges because some institutions view equity as money in the bank.

If, after those caveats, you want to pay off your mortgage early, here are four ways to make it happen.

  1. Refinance with a shorter-term mortgage.
    You can pay off the mortgage in another 15 years by refinancing into a 15-year mortgage.

Let’s say you got a 30-year fixed-rate mortgage for $200,000 at 4.5 percent. Then, five years later, you can refinance into a 15-year loan at 4 percent. Doing so pays off the mortgage 10 years earlier and saves more than $60,000 (if you exclude closing costs on the refi).

Those shorter-term mortgages often carry interest rates a quarter of a percentage point to three-quarters of a percentage point lower than their 30-year counterparts.

Refinancing isn’t quick or free. It requires filling out the application, providing documentation and having an appraiser visit. There are closing costs.

And even with a lower interest rate, that quicker payoff means higher monthly payments. And this method is a lot less flexible. If you decide that you don’t have the extra money one month to put toward the mortgage, you’re locked in anyway.

Unless the new interest rate is lower than the old rate, there’s no point in refinancing. Without a lower rate, you’ll get all the same benefits (and none of the extra costs) by just increasing your payment a sufficient amount.

  1. Pay a little more each month.
    Divide your monthly principal and interest by 12 and add that amount to your monthly payment for a year. Result: You make the equivalent of 13 payments in 12 months.

Let’s say you got a $200,000 mortgage at 4.5 percent. After five years of making the minimum payments, you add an extra 1/12 of a month’s principal and interest to each monthly payment. Doing so pays off the mortgage three years and three months earlier and saves more than $18,000 interest.

Before you make anything beyond the regular payment, call your mortgage servicer and find out exactly what you need to do so that your extra payments will be correctly applied to your loan.

Let them know you want to pay “more aggressively” and ask the best ways to do that.

Some servicers may require a note with the extra money or directions on the notation line of the check.

In any event, if you’re putting extra money toward your loan, always check the next statement to make sure it’s been properly applied.

  1. Make an extra mortgage payment every year.
    Instead of paying a little more each month, make one extra monthly payment each year. One way to do this is to save 1/12 of a payment every month, and then make an extra payment after every 12 months. This gives you the flexibility to use the extra savings for something else if a more pressing expense arises.

Let’s say you do this starting the first month after getting a 30-year mortgage for $200,000 at 4.5 percent. That would save more than $27,000 interest, and you would pay off the mortgage four years and three months earlier.

  1. Throw ‘found’ money at the mortgage.
    Get a bonus? A tax refund? An unexpected windfall? However it ends up in your hands, you can funnel some or all of your newfound money toward your mortgage.

Let’s say you got a 30-year, fixed-rate mortgage for $200,000 at 4.5 percent. Then, five years later, you can make an extra $10,000 lump-sum payment. Doing so pays off the mortgage two years and four months earlier, and saves more than $19,000 in interest.

The upside: You’re paying extra only when you’re flush. And those additional payments toward the principal will cut the total interest on your loan.

The downside: It’s irregular, so it’s hard to predict the mortgage payoff date. If you throw too much at the mortgage, you won’t have money for other needs.

©2017 Bankrate.com

Distributed by Tribune Content Agency, LLC

This article is intended for informational purposes only and should not be construed as professional advice. The opinions expressed in this article are those of the author and do not necessarily reflect the position of RISMedia.

For the latest real estate news and trends, bookmark RISMedia.com.

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$110,000 :: 50453 JIM DR, Update MI, 48047

3 beds, 1 bath
Home size: 1,600 sq ft
Lot Size: 0 sq ft
Added: 11/25/17, Last Updated: 11/25/17
Property Type: Single Family
MLS Number: 468922
Community: Chesterfield Twp (50009)
Tract: SEADENVILLE
Status: Sold

cozy nicely decorated, neutral colors, treedlot, new kitchen, nicely landscaped maintenancefree exterior, vaulted ceilings in living rm andkitchen, large family rm with naturalfireplace

Listed with Century 21 Town & Country-Clinton


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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