tag:blogger.com,1999:blog-56115484051025587142024-03-27T17:32:31.054-07:00Sold by AveryAnonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.comBlogger35125tag:blogger.com,1999:blog-5611548405102558714.post-9921970926030853572015-01-03T07:17:00.003-08:002015-01-03T07:17:26.893-08:00Purchasing A Home With Bad Credit<div class="MsoNormal" style="line-height: 14.25pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #333333; font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Bad credit happens. The question is: How do we fix it?<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 14.25pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #333333; font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /></span></div>
<div class="MsoNormal" style="line-height: 14.25pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #333333; font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">There are a myriad of ads you see if you Google “Credit Repair,”
all offering a quick fix to your credit issues if you would only pay them a
low, low amount. However, there are no quick fixes, and there are no shortcuts.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 14.25pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #333333; font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">There is, however, a simple and straight-forward approach you
can take to put yourself in a better position, raise your credit score, and be
able to purchase a home, within a reasonable amount of time, usually 6 months.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 14.25pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #333333; font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">The first place you want to start is getting a copy of your
credit report and credit score. CreditKarma.com offers this for free. If your
score is at a 580 or above, you can get approved for a mortgage in certain
circumstances, through certain lenders.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 14.25pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #333333; font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /></span></div>
<div class="MsoNormal" style="line-height: 14.25pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #333333; font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">If your score falls short of that, it is time to get to work.
This means paying off collections, and starting to build positive credit
history, which can be done simultaneously.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 14.25pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #333333; font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Your credit report will list all accounts that impact your
credit. A lot of people have collections, especially medical collections
on their credit. My lender can overlook up to $5,000 of medical collections for
FHA financing. If you have more than that, or have multiple collections, here
are a couple things you can do:<br />
<br />
<b>Dispute collection accounts:</b> Many companies will charge $100/month
to do this, when you can easily do if for free. Basically, you go to each of
the credit bureau websites, and say the account is not yours/that you have no
knowledge of the account. The collection company then has 30 days to send proof
the the credit bureau that it is indeed your account. If they do not, then it
comes off your credit forever! Here are the links to the dispute pages on each
credit bureau:<b> Experian</b> (https://dispute.transunion.com/dp/dispute/landingPage.jsp) <b>Transunion</b> (https://dispute.transunion.com/dp/dispute/landingPage.jsp) <b>Equifax</b> (https://www.ai.equifax.com/CreditInvestigation/home.action)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 14.25pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #333333; font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /></span></div>
<div class="MsoNormal" style="line-height: 14.25pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<b><span style="color: #333333; font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Pay off Collections:</span></b><span style="color: #333333; font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"> If you are not able
to get them removed by disputing the accounts, you will need to start paying
these off. <i>The key here is to pay off the most recent accounts first.</i> The
credit bureaus can only report collection accounts for 7 years, after that they
fall off. However, if you make a payment on an old account, they can report it
for an additional 7 years from that date. So, concentrate on the newer bills,
and let the older ones fall off with time. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 14.25pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoNormal" style="line-height: 14.25pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<b><span style="color: #333333; font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Building positive credit is also important.</span></b><span style="color: #333333; font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"> Most
lenders will want to see 3 active credit accounts in good standing, for about 6
months. The simplest way to do this is by:<o:p></o:p></span></div>
<ul type="disc">
<li class="MsoNormal" style="color: #333333; line-height: 14.25pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Get a secured
credit card from your bank or credit union.</span></b><span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"> Basically,
you will deposit a certain amount with the bank, and they will give you a
credit card with a credit limit of the amount that you deposited. The more
you are able to put down on the card, the better, as higher credit limits
are looked more favorably upon. Whatever your credit limit is, do not let
your balance on that card exceed <i>20% of the credit limit</i>.
Also, be sure to make payments on time every month.<o:p></o:p></span></li>
<li class="MsoNormal" style="color: #333333; line-height: 14.25pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Get a Credit
Builder CD from BMO Harris.</span></b><span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"> This is a fantastic product.
Basically, you are purchasing a Certificate of Deposit (similar to a
savings account) on credit. You pay them $45/month for 2 years, and at the
end you have a $1000 CD that you can cash in. You can print off the
application and information for this here: <a href="https://drive.google.com/file/d/0BxiPFes1j58PMF9rZm5LQ09VYjQ/edit?usp=sharing"><span style="color: blue;">https://drive.google.com/file/d/0BxiPFes1j58PMF9rZm5LQ09VYjQ/edit?usp=sharing</span></a><o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="line-height: 14.25pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoNormal" style="line-height: 14.25pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<i><span style="color: #333333; font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">Avery Garrett is a top Indianapolis
Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser.
Avery is Zillow.com Premium 5 Star Agent and Top Contributor, and is a Member
of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a
complimentary, no obligation, Market Analysis of your home at </span></i><i><span style="font-size: 13.5pt;">317-721-2274</span></i><!--[if mso & !supportInlineShapes & supportFields]><span
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</v:shape><span style='mso-element:field-end'></span><![endif]--><i><span style="color: #333333; font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">, or </span></i><i><span style="color: #336699; font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">SoldByAvery@gmail.com</span></i><i><span style="color: #333333; font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">. See Avery's reviews and search for a home at </span></i><i><span style="color: #333333; font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><a href="http://www.soldbyavery.net/"><span style="color: #336699; font-family: "Calibri","sans-serif"; font-size: 13.5pt;">www.SoldByAvery.net</span></a></span></i><i><span style="color: #333333; font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">. </span></i><span style="color: #333333; font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<i><span style="color: #333333; font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">Avery is proud to help home sellers
and home buyers in the following communities: Carmel, Fishers, Noblesville,
Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville,
Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville,
Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield,
Lawrence, Greensburg, Nashville and beyond.</span></i><span style="color: #333333; font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-29655337050694170752014-12-27T10:35:00.000-08:002014-12-27T10:35:13.361-08:00Sell Your Home as a Certified Pre-Owned Home!<div style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 13px; line-height: 19px;">
One of the most stressful aspects of buying or selling a home is the inspection process. Typically, once an offer is accepted, the Buyer has as inspection completed on the home to see if there are any defects present. Once the inspection is completed, the Buyer asks the Seller to repair items revealed on the inspection report that they find undesirable. The Seller can either agree, or not agree to what the Buyer asks, or counter the inspection and say that they will only take care of some of the items, and not the others. If the Inspection Response isn't to the Buyer's liking, the Buyer can back out of the contract, and get their earnest money back. This all takes place usually within a 14 day time period from the time the offer was accepted.</div>
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Obviously, with the sale and purchase of the single biggest transaction most people ever make hanging in the balance, the Inspection Process is stressful on both Buyer and Seller. Deals sometimes fall apart leaving the Seller with a house that someone else didn't want, and leaves the Buyer with a loss of the cost of the inspection, sometimes $500 or more. Why not get that taken care of ahead of time?</div>
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When you buy a car, often times you can buy a Certified Pre-Owned vehicle. In this case, you know what has been checked out on the car, and it usually comes with a warranty for a certain period of time. This relieves the stress and worry of buying a "lemon" to the car Buyer, and usually means more profit and less haggling for the dealership. Why not use this concept when selling a home?</div>
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In our Certified Pre-Owned Home Program, the same principles apply. Prior to offering the home for sale, an inspection will be completed. This will reveal anything objectionable and allow us to get that taken care of ahead of time, and a Home Warranty is provided to the Buyer of the home at closing. This will relieve a lot of worry from the Buyer of the condition of the home, and give theses homes an edge over the competition. It will mean more profit for the Seller, and less haggling. It will completely cut out the double-negotiating that the typically inspection process causes.</div>
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If you are interested in making your home a Certified Pre-Owned Home, give me a call, text, email, or shout !</div>
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<div style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 13px; line-height: 19px;">
<em>Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent and Top Contributor, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </em><em>317-721-2274</em><a data-mce-href="http://lindawestrealestate.com/5-inspection-problems-buyers-shouldnt-ignore/#" href="http://lindawestrealestate.com/5-inspection-problems-buyers-shouldnt-ignore/#" title="Call: 314.277.6982"><em><img alt="" title="Call: 314.277.6982" /></em></a><em>, or <a href="https://www.blogger.com/null">SoldByAvery@gmail.com</a>. </em><em>See Avery’s reviews and search for a home at <a data-mce-href="http://www.soldbyavery.net/" href="http://www.soldbyavery.net/">www.SoldByAvery.net</a>. </em></div>
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<em>Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond.</em></div>
Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-9164896269138014662014-04-24T12:02:00.002-07:002014-04-24T12:02:37.638-07:00Buy a Home With a Reverse Mortgage<div class="MsoNormal" style="margin: 6pt 0in; vertical-align: baseline;">
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 16.5pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 18.0pt;">Buy a Home With a Reverse Mortgage<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: 4.8pt; vertical-align: baseline;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">A reverse mortgage for purchase may
help some seniors finance a new place to live.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 16.8pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><a href="https://www.blogger.com/null"></a><span style="border: none windowtext 1.0pt; mso-border-alt: none windowtext 0in; padding: 0in;"><o:p></o:p></span></span></div>
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<span style="font-family: "inherit","serif"; font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Most
seniors take out a reverse mortgage to help them stay in their existing home as
they get older. But Myra S, 67, took advantage of a little-known <span style="border: none windowtext 1.0pt; mso-border-alt: none windowtext 0in; padding: 0in;">product</span>: She used a reverse mortgage to <span style="border: none windowtext 1.0pt; mso-border-alt: none windowtext 0in; padding: 0in;">finance</span> a new home.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 12pt 0in; vertical-align: baseline;">
<span style="font-family: "inherit","serif"; font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Myra's 83-year-old husband,
Billy, was having trouble using the stairs in their two-story townhome in Carmel,
IN. The couple sold their home and used a "reverse mortgage for
purchase" to move into a one-story house nearby last summer. "Now I
take what would have been my mortgage payment and put it in savings," says
Myra, who works for the local county sheriff's office.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; vertical-align: baseline;">
<span style="font-family: "inherit","serif"; font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">The Home <span style="border: none windowtext 1.0pt; mso-border-alt: none windowtext 0in; padding: 0in;">Equity</span> Conversion Mortgage (HECM) for Purchase was
created by Congress four years ago to streamline home-buying transactions and
cut costs, says Peter Bell, president of the National Reverse Mortgage Lenders
Association. Before, seniors would buy a new home, incurring closing costs, and
then take out a reverse mortgage on the new home, triggering new closing costs.
The HECM for Purchase rolls this into one transaction and one set of closing
costs.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 12pt 0in; vertical-align: baseline;">
<span style="font-family: "inherit","serif"; font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">But the loan has had a slow
take-up rate, Bell says. "It's a concept people don't fully
understand," he says.</span><span style="border: none windowtext 1.0pt; font-family: "Arial","sans-serif"; font-size: 8.0pt; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"><o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 12pt 0in; vertical-align: baseline;">
<span style="font-family: "inherit","serif"; font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"> As with a traditional HECM, a homeowner must
be 62 or older to qualify for the federally insured HECM for Purchase. You
don't make payments while you live in the house, but the loan and interest come
due when you sell, move out for 12 months or more, or die.</span><span style="font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; vertical-align: baseline;">
<span style="border: none windowtext 1.0pt; font-family: "inherit","serif"; font-size: 10.5pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Borrowers</span><span style="font-family: "inherit","serif"; font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"> generally get a fixed-rate,
lump sum loan, which goes toward the house purchase. The balance starts
accruing interest immediately. You can leave some reverse mortgage proceeds in
a <span style="border: none windowtext 1.0pt; mso-border-alt: none windowtext 0in; padding: 0in;">line of credit</span> for future use by taking an
adjustable-rate loan, and you will pay interest only on the proceeds you use.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 12pt 0in; vertical-align: baseline;">
<span style="font-family: "inherit","serif"; font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Unlike a conventional HECM, the
HECM for Purchase requires a down payment. When you take out a conventional
reverse mortgage, the loan proceeds are based on the equity in your home. With
the new product, you start out with no equity because you don't own the new
house yet.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; vertical-align: baseline;">
<span style="font-family: "inherit","serif"; font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">For there
to be equity to cover the accrued interest, the HECM for Purchase requires that
you pay about half the home's sales price with your own cash. The reverse
mortgage picks up the difference. "Essentially, the money you're putting in
is your equity," says Ted George, a certified <span style="border: none windowtext 1.0pt; mso-border-alt: none windowtext 0in; padding: 0in;">financial</span> planner
in Indianapolis, IN.<br />
<br />
To pay your half, you can use money from savings, the sale of your other house,
or a gift from a family member. But the money cannot be borrowed.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal" style="margin: 7.8pt 0in; vertical-align: baseline;">
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Age Makes a Difference<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt; vertical-align: baseline;">
<span style="font-family: "inherit","serif"; font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Like any
reverse mortgage, the older you are, the more money you can get from the loan
and the less you must bring to the closing table. For instance, a 62-year-old
who buys a $400,000 home with a reverse mortgage for purchase must make a down
payment of $159,450, according to a recent quote using All Reverse Mortgage
Company's <a href="http://www.allrmc.com/reverse-mortgage-calculator.php" target="_blank"><span style="border: none windowtext 1.0pt; color: windowtext; mso-border-alt: none windowtext 0in; padding: 0in;">calculator</span></a>. He can
get a loan for $250,000 at a fixed rate of 3.99%, and the proceeds will cover
$9,450 in fees and $240,550 of the purchase price.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 12pt 0in; vertical-align: baseline;">
<span style="font-family: "inherit","serif"; font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">If instead the homeowner is 82,
the down payment drops to $115,450. The loan proceeds, which cover fees and the
rest of the home price, rise to $294,000.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 12pt 0in; vertical-align: baseline;">
<span style="font-family: "inherit","serif"; font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Be careful, though. While you
don't have to make monthly payments, the interest can eventually devour the
money you put down. "If you live there long enough, the equity could
disappear," says Anthony Webb, a research economist at the Center for
Retirement Research at Boston College. This could be an issue for seniors who
want to leave the house to heirs or later need the equity to pay for long-term
care.<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin-bottom: 0.0001pt; vertical-align: baseline;">
<span style="font-family: "inherit","serif"; font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">You must
still pay insurance, maintenance and <span style="border: none windowtext 1.0pt; mso-border-alt: none windowtext 0in; padding: 0in;">taxes</span> on the
home—or the lender can foreclose. Keep that in mind if you trade up to a house
that has more expensive upkeep than your current home. And snowbirds, take
note: You can only get a reverse mortgage for a home that will be your primary
residence.<o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-40154243184630681302014-03-14T14:02:00.001-07:002014-03-14T14:02:40.081-07:0031 Things to Know About Indianapolis<h2 style="background-color: white; border: 0px; font-family: Roboto, Helvetica-Neue, Helvetica, Arial, sans-serif; font-size: 1.8em; font-weight: normal; line-height: 1.3em !important; margin: 30px 0px -10px; outline: 0px; padding: 0px; vertical-align: baseline;">
1. We Have One Of Those Circles That People Drive Fast On</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/1.jpg" style="border: none; width: 600px;" /></div>
<div class="source" style="background-color: white; border: 0px; color: #777777; font-family: Roboto, Helvetica-Neue, Helvetica, Arial, sans-serif; font-size: 0.7em; line-height: 28.799999237060547px; margin: -15px 0px -5px; outline: 0px; padding: 0px; vertical-align: baseline; width: 610.46875px;">
Source: Wikimedia user The359</div>
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I’m pretty sure when everyone in the world hears the word “Indianapolis” their brain automatically fills in “Motor Speedway” after it. We are the Circle City and proud of it. But to be honest…</div>
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2. Most Of Us Aren’t Racing Fans</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://www.reactiongifs.com/r/2013/10/boring.gif" style="border: none; width: 600px;" /></div>
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Source: reactiongifs.com/boring-death/</div>
<div style="background-color: white; font-family: Roboto, Helvetica-Neue, Helvetica, Arial, sans-serif; font-size: 18px; line-height: 28.799999237060547px;">
For the racing fans that might read this I said “most of us.” I don’t want any Jeff Gordon fans trying to gun me down. Events surrounding the races can be fun, but enjoying those events and tailgating at the track doesn’t make you a racing fan. It’s not that we’re ashamed of the racing heritage. But in my experience, most of us from Indy don’t care all that much. Hey look! They’re turning left! Wait a sec… they’re turning left again!</div>
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3. We’d Rather Watch Our Beloved Colts</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/3.jpg" style="border: none; width: 600px;" /></div>
<div class="source" style="background-color: white; border: 0px; color: #777777; font-family: Roboto, Helvetica-Neue, Helvetica, Arial, sans-serif; font-size: 0.7em; line-height: 28.799999237060547px; margin: -15px 0px -5px; outline: 0px; padding: 0px; vertical-align: baseline; width: 610.46875px;">
Source: Wikimedia user AlbertHerring</div>
<div style="background-color: white; font-family: Roboto, Helvetica-Neue, Helvetica, Arial, sans-serif; font-size: 18px; line-height: 28.799999237060547px;">
This used to be a basketball city, but the Manning machine turned it into a pigskin worshipping epicenter. You should go to a game at least once. The fans are way nicer than any other football teams, and Lucas Oil Stadium is great. If you can’t score a ticket head over to either Blue Crew Sports Grill in Castleton, or Indianapolis Colts Grille right downtown.</div>
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4. Hope You Like Craft Beer</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/4.jpg" style="border: none; width: 600px;" /></div>
<div class="source" style="background-color: white; border: 0px; color: #777777; font-family: Roboto, Helvetica-Neue, Helvetica, Arial, sans-serif; font-size: 0.7em; line-height: 28.799999237060547px; margin: -15px 0px -5px; outline: 0px; padding: 0px; vertical-align: baseline; width: 610.46875px;">
Source: Flickr user Adam Lehman</div>
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There are so many players in this game right now. Sun King, Flat 12, Fountain Square, Triton, Bier, Three Wise Men, just to name a few all make wonderful brews. Who would’ve thought one of America’s most obese cities would drink so much beer?</div>
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5. Reggie Miller Can Convince You To Move Here In 9 Seconds</h2>
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<iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/xHFqBRLNZXU" style="border-width: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" width="560"></iframe><br />This is the greatest moment for one of Indianapolis’s greatest players. If you don’t know what I’m talking about, you should watch this video so you don’t embarrass yourself when you’re at a party and people are trying to prove they have been Pacers fans their whole life. We’ll always love Reggie, and chanting the name Reggie at sporting events. You think it’s a coincidence this list has 31 points?</div>
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6. Be A Kid Again At (Or Just Take Your Kids To) The Childrens Museum</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/6.jpg" style="border: none; width: 600px;" /></div>
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Source: Wikimedia user Dschwen</div>
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I spent so much time there as a kid I primarily tell time via loop de loop water towers. How old can I be and it not be weird that I’m pretending to be a dinosaur excavator?</div>
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7. You’ll Be Inspired At The Indianapolis Museum of Art</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/7.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user Serge Melki</div>
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You’ll just start saying IMA for short after you move here. Free admission year round, Summer Nights outdoor movie screenings, world renowned art exhibits, and the gardens make this place a great quick stop or full day. You can probably score a date with anyone if you tell them you’re going to the IMA.</div>
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8. This Lady Is Not A Crossing Guard!</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/8.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user puroticorico</div>
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Because art.</div>
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9. You Need To Be A Die Hard Fake Fan Of The Indians</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/9.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user peterrieke</div>
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Victory Field is a “must do” event during the summer, especially on firework nights. This is one of the best AAA baseball stadiums in the country. You’ll have a great time grabbing a Sun King, (sort of) paying attention to the ball game, having a great view of the city, and probably heckling outfielders if you sit in the lawn. Not that we condone such behavior.</div>
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10. Scotty’s Brewhouse Is Our Best Friend</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/10.jpg" style="border: none; width: 600px;" /></div>
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Source: Scottys Brewhouse</div>
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Brewhouse is Scotty’s last name, right? This restaurant was originally launched by Scott Wise in Muncie, but it’s taking over the whole state. There are currently three in the Indy metro area. Those of us that are of the connected generation appreciate Scotty for his social media savvy. Oh, and the Mofo Mustard sauce.</div>
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11. Where We’re Going, We Don’t Need Roads</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/11.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user konomike</div>
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Since the winters are nearly unbearable and because of developments in the downtown convention center area, you can get around without stepping outside via the skywalk system. Hop around between Lucas Oil Stadium, The Convention Center, Circle Center Mall and more, and laugh at the peasants on the sidewalk.</div>
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12. You Can Find A Job Here</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/12.jpg" style="border: none; width: 600px;" /></div>
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Source: Wikimedia user Victorgrigas</div>
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CareerBliss named us as the ninth best city to find a job, and Forbes lists us at No. 24 for Best Places for Businesses and Careers. It’s becoming known as the “Silicon Valley of the Midwest.” At least that’s what people from Indy are saying. No bias though right?</div>
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13. All Other Fancy Restaurants Pale In Comparison To St. Elmo’s</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/13.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user Intiaz Rahim</div>
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This is easily the most upscale place in the whole city. If you feel like eating the best steak the state has to offer, their famous shrimp cocktail, and dining with the stars (Colts players), then you might want to save a year’s worth of cash.</div>
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14. Unigov Might Confuse You A Little Bit</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/14.jpg" style="border: none; width: 600px;" /></div>
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Source: Wikimedia user Massimo Catarinella</div>
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In 1970, the city and county government consolidated into one. When you’re looking at numbers you’re seeing statistics for all of Marion County, technically making it the 13th largest city on paper. It’s not exactly comparing apples to apples though. It’s the 29th largest metro area just behind Columbus, OH. Just a heads up for if you’re moving here expecting densely populated neighborhoods. You’ll need a car for sure. Good thing it’s…</div>
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15. Easier To Get Around Than… Someplace That’s Not Easy To Get Around</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/15.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user Serge Melki</div>
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Thanks to 465, it doesn’t take long to get anywhere, and the city sprawls because of the interstate system. One might argue that it’s easy to find parking because well… there usually aren’t many people trying to find parking. But it’s easy! And for those living closer to downtown, biking is a breeze because…</div>
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16. The Cultural Trail Is Perfect</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/16.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user Eric Fischer</div>
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Because of the Cultural Trail, Indianapolis is on the map for being a trailblazer (ha!) of bold ideas like this. City officials from all over the world have been coming to see what we’ve done. The trail is full of art, cheerful visitors (in the summer), bike paths, and connects to so many great places in town.</div>
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17. Silver In The City Is Like A Hipster’s Moving Truck Wrecked And Everything Spilled Out</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/17.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user Mike</div>
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For all the dainty, local made, hipster-esque materials to fill your apartment (or suburban house most likely) this place is awesome. I’m a huge fan and every time I’m on Mass Ave I spend at least 45 minutes in this store. When you’re done buying bacon themed gifts you can cross the street and…</div>
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18. Be Amazed By The Culinary Wizardry Of Subzero Ice Cream & Frozen Yogurt</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/18.jpg" style="border: none; width: 600px;" /></div>
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Source: Travis Sawrie</div>
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I’m gonna guess that freshly made ice cream and frozen yogurt via liquid nitrogen isn’t a normal occurrence where you’re from. You’ll feel like a kid being amazed at the workers doing their thing. I’m no expert but this is seriously the best ice cream I’ve ever had in Indy. They also have lactose free options.</div>
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19. You’ll Be Spoiled With Live Music</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/19.jpg" style="border: none; width: 600px;" /></div>
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Source: Wikimedia user Hailestorm</div>
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The Rathskeller’s beer garden and The Lawn in the summers, Radio Radio, Old National Center, The Vogue, Birdy’s, The Hoosier Dome, Melody Inn, and The Irving Theater will keep you entertained. If you’re feeling brave you could go to The Emerson Theater at 10th and Emerson. I can’t believe my parents were cool with letting me play and go there as a high schooler.</div>
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20. If You’re Gonna Play In Indiana, You Gotta Have A Pork Tenderloin In The Band</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/20.jpg" style="border: none; width: 600px;" /></div>
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Source: Wikimedia user Glane23</div>
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I actually didn’t know this growing up because it was just a normal part of our food culture, but this is what we’re known for in Indiana. The best kind of pork tenderloin is when the diameter of the pork is twice the size of the bun. Speaking of food…</div>
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21. It Doesn’t Get Fresher Than The City Market</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/21.jpg" style="border: none; width: 600px;" /></div>
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Source: Wikimedia user Greg Wagoner</div>
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The historic City Market just keeps growing in popularity. You’ll love checking out the vendors, wine and cheese shoppes, and retailers. On certain days of the week, there are 16 rotating taps of Indiana craft beers in the Tomlinson Tap Room. It’s a one stop shop for fresh produce, baked goods, fish, and meat. And since I’m already talking about my favorite food group…</div>
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22. Goose The Market Is Like A Meat Museum</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/22.jpg" style="border: none; width: 600px;" /></div>
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Source: Travis Sawrie</div>
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The kind of museum where you go and stuff your face with sandwiches meant to make you go OMGZ! These guys know what they’re doing when it comes to preparing a sandwich with perfectly cured and cooked meats. You can find a treasure trove of craft beer and wine in the basement.</div>
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23. You Can Pretend You’re In A Fancier City On The Canal</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/23.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user Serge Melki</div>
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This is easily my favorite part of the city to just take a stroll in. It’s so clean and elegant, and makes me say things like “clean and elegant.” You’ll come across European style bridges, modern designs, Segway tours, gondolas, the Indiana State Museum, and the NCAA Hall of Fame at the end of it.</div>
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24. We Naptowners Actually Love The Skyline</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/24.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user MCC_Indianapolis</div>
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We know it’s not a massive skyline you can see from space, or one that strikes awe and wonder in everyone who sees it. But seeing the skyline reminds us of home, all the fun we have downtown, and it’s a symbol of pride.</div>
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25. You Need To At Least Pretend To Hate Tom Brady</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/25.jpg" style="border: none; width: 600px;" /></div>
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Source: http://www.quickmeme.com/meme/35o553</div>
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Unless of course you’re a girl that doesn’t care about football. If you’re from Indiana and you’re an out of the closet Patriots fan, then I have no words for you. You’re excused if you’re from Boston, but make sure to let people know you’re from there or else you might get deported by Robert Mathis himself.</div>
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26. Most People Are Indoctrinated Into Being A Purdue, Notre Dame, Or I.U. Fan</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/26.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user David Bergin</div>
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If you went to one of these schools, you have every right to be a die-hard fan. Please keep the double sided I.U. Basketball and Notre Dame Football fanboy-ing to a minimum. Here at Movoto Real Estate, we’re a little partial to Purdue with our founder being a Boilermaker and us having an office near campus. Go Boilers!</div>
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27. The Pacers Are On Fire</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/27.jpg" style="border: none; width: 600px;" /></div>
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Source: http://memegenerator.net/instance/47162447</div>
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It took a while for the team to rebuild after our best friend Ron Artest aka “Metta World Peace” ruined everything. Paul George is the whole state’s current man crush. During the lull hardly anyone would go to games, but so far this season there have been 20 sellout crowds.</div>
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28. Our Neighborhoods Are Making A Name For Themselves</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/28.jpg" style="border: none; width: 600px;" /></div>
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Source: Wikipedia user Nyttend</div>
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Having distinct neighborhoods is something Indy has lacked historically. However, recent cultural upswings are looking great for distinct areas like Broadripple, Fountain Square, and Irvington.</div>
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29. “Devour Downtown” Does Not Mean You Eat The Buildings</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/29.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user susi.bsu</div>
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Instead of letting everyone slip into a deep seasonal depression in winter, Devour Downtown gives the people of Indy a reason to venture away from their homes. For about two weeks, you get to sample Indianapolis’s best eats for a major discount. This is the only opportunity I really get to eat at famous St. Elmo’s.</div>
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30. You Won’t Be Making Any Weekend Trips To Pawnee, IN</h2>
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<img alt="30 Things To Know Before You Move To Indianapolis" src="http://s3.amazonaws.com/movotoblog/2014/03/move-to-indy/30.jpg" style="border: none; width: 600px;" /></div>
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Source: NBC</div>
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Sorry to break it to “Parks and Recreation” fans, but Pawnee is a completely fictional town. It’s filmed in “Hollyweird”, but my guess is you know about 10 different Ron Swanson type guys if you’re from Indiana.</div>
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31. You’ll Never Get Mad At The Guy Blogging About Indy</h2>
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There are so many things to love and, if you’re like me, you love this city with all of its ups and downs. There’s far too much to mention in even 31 points, so let us know some things you love about Indy in the comments!</div>
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Via <a class="g-profile" href="https://plus.google.com/106916254968817774087" target="_blank">+Movoto Real Estate</a> http://www.movoto.com/blog/opinions/move-to-indianapolis/</div>
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<em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: x-small;">Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent and Top Contributor, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </span></em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="color: black; font-family: arial; font-size: 15px; line-height: normal; white-space: nowrap;"><em><span style="font-family: Calibri; font-size: x-small;">317-721-2274</span></em><a href="http://lindawestrealestate.com/5-inspection-problems-buyers-shouldnt-ignore/#" style="border: currentcolor; bottom: 0px; color: #6699cc; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; text-decoration: none; top: 0px; vertical-align: middle; width: 16px;" title="Call: 314.277.6982"><em><span style="font-family: Calibri; font-size: x-small;"><img src="data:image/png;base64,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" style="border: currentcolor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; width: 16px;" title="Call: 314.277.6982" /></span></em></a></span><em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: x-small;">, or </span><a href="mailto:SoldByAvery@gmail.com" style="color: #6699cc; text-decoration: none;"><span style="color: #336699; font-family: Calibri; font-size: x-small;">SoldByAvery@gmail.com</span></a><span style="font-family: Calibri; font-size: x-small;">. </span></em><em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: x-small;">See Avery's reviews and search for a home at </span><a href="http://www.soldbyavery.net/" style="color: #6699cc; text-decoration: none;"><span style="color: #336699; font-family: Calibri; font-size: x-small;">www.SoldByAvery.net</span></a><span style="font-family: Calibri; font-size: x-small;">. </span></em></div>
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<em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: x-small;">Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond.</span></em></div>
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Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-68018783685660566232014-02-27T07:48:00.000-08:002014-02-27T08:12:46.467-08:00Carmel and Fisher Ranked #1 and #2 Safest Suburbs by Movoto!<br />
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When it comes to the reasons people relocate from big cities to the suburbs, crime is right up there with housing costs, traffic, and overcrowding as major motivators. Eventually, though, these things make their way beyond the city limits, and the suburbs might not actually be the quietest, cheapest, and—maybe most importantly—safest places to be. That’s why, after ranking<a href="http://www.movoto.com/blog/top-ten/safest-mid-sized-cities-in-america/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">America’s safest mid-sized cities</a> and the most crime-free places within several states, <a href="http://www.movoto.com/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Movoto Real Estate</a> figured it was time to see just which suburbs can still claim to be safer than their big city neighbors.</div>
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After poring over crime data for more than 100 suburbs, we concluded that the absolute safest is Carmel, IN, located just outside of Indianapolis, IN. In fact, another Indy suburb, Fishers, was the runner-up The complete top 10 list of safest suburbs looks like this:</div>
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1. Carmel, IN<br />
2. Fishers, IN<br />
3. <a href="http://www.movoto.com/parma-oh/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Parma, OH</a><br />
4. <a href="http://www.movoto.com/dublin-oh/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Dublin, OH</a><br />
5. <a href="http://www.movoto.com/newton-ma/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Newton, MA</a><br />
6. <a href="http://www.movoto.com/cary-nc/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Cary, NC</a><br />
7. <a href="http://www.movoto.com/apex-nc/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Apex, NC</a><br />
8. <a href="http://www.movoto.com/oro-valley-az/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Oro Valley, AZ</a><br />
9. <a href="http://movoto.com/cupertino-ca/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Cupertino, CA</a><br />
10. <a href="http://www.movoto.com/germantown-tn/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Germantown, TN</a></div>
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If you’ve read our ranking of <a href="http://www.movoto.com/blog/top-ten/safest-mid-sized-cities-in-america/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">safest mid-sized cities</a>, you’ll no doubt recognize a familiar name: Cary, NC. That’s where the similarities end, however. While that ranking ended up being extremely California-centric, this top 10 includes only one city in the Golden State, Cupertino. We’ll expand on why each of these suburbs ranked so highly in a moment, but first let’s go over the methodology behind our ranking.</div>
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How We Created This Ranking</h2>
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To produce this ranking, we relied on a list of 120 places which are the largest suburbs of the 50 most populous cities in the U.S. We then applied the same criteria to these suburbs that we’ve previously used to determine how safe the largest cities within certain states are. These were:</div>
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<li style="padding-bottom: 5px;">Property crimes per capita (burglaries, thefts, and motor vehicle thefts)</li>
<li style="padding-bottom: 5px;">Violent crimes per capita (murders, rapes, robberies, and aggravated assaults)</li>
<li style="padding-bottom: 5px;">The chances of being the victim of a crime</li>
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In order to get this data, we turned to the FBI’s most recent national crime report from 2012. As with our past crime rankings, we gave each suburb a score (from 1 to 120 in this case, with 1 being the best) in these three criteria, then weighted the results so that violent crime accounted for 50 percent of each suburb’s final score, property crime made up 30 percent, and the chance of being the victim of a crime made up 20 percent. The suburb with the lowest final score was deemed the safest, in this case Carmel, IN.</div>
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Keep reading for the specific figures behind each of the top 10 safest suburb’s rankings, and check out the end of this post for a table showing how the top 50 safest played out.</div>
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1. Carmel, IN</h2>
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<img alt="Safest Suburbs In America" src="http://s3.amazonaws.com/movotoblog/2014/02/safest-suburbs/images/1.jpg" style="border: none; width: 600px;" /></div>
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Source: Wikimedia user Skyh Creative, Hamilton County Convention and Visitors Bureau</div>
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The nearly 80,000 people who call this Indianapolis suburb home must be some very sound sleepers. Carmel ranked first overall for the lowest number of violent crimes per capita, second-safest in terms of property crimes per capita, and had the second-lowest odds of being the victim of a crime (1 in 97).</div>
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Carmel saw a total of 819 crimes in 2012, with only 11 of them violent and 808 property related. None of the violent crimes were murders and most were robberies. The city’s most-committed property crime was theft, accounting for 649 of the 808 total.</div>
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2. Fishers, IN</h2>
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<img alt="Safest Suburbs In America" src="http://s3.amazonaws.com/movotoblog/2014/02/safest-suburbs/images/2.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user pjern</div>
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Fishers, another Indianapolis suburb and home to nearly 70,000 residents, just missed being ranked No. 1 overall. It was second-safest in terms of violent crimes per capita, fourth-safest in property crimes, and it ranked third in terms of the chance of crime (1 in 92).</div>
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There were 835 crimes total in Fishers during 2012; 14 violent and 821 involving property. The chance of being the victim of a violent crime there was slightly higher than in our No. 1 safest suburb, Carmel, at 1 in 92 versus 1 in 97. There were no murders in Fishers during 2012, and again, robberies were the most prevalent violent crime, while thefts made up most (693 of 835) of the property crimes.</div>
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3. Parma, OH</h2>
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<img alt="Safest Suburbs In America" src="http://s3.amazonaws.com/movotoblog/2014/02/safest-suburbs/images/3.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user Erik Daniel Drost</div>
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Parma is a suburb of <a href="http://www.movoto.com/cleveland-oh/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Cleveland, OH</a> with close to 82,000 residents, and while it was safest in terms of property crimes per capita and had the lowest chance of crime, a seventh-safest ranking in violent crimes per capita kept it from ranking first overall.</div>
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To put that violent crime ranking into perspective, Parma only has about 1,400 more residents than Carmel, but its number of violent crimes in 2012 (56) was more than five times as high. Like we said, though Parma was safer in terms of property crimes, reporting nearly half as many as Carmel (451 versus 808) and its odds of crime were 1 in 161, much better than Carmel’s 1 in 97. Still, our results were weighted in favor of suburbs with less violent crime, which is why you’re seeing this result.</div>
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4. Dublin, OH</h2>
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<img alt="Safest Suburbs In America" src="http://s3.amazonaws.com/movotoblog/2014/02/safest-suburbs/images/4.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user The Pug Father</div>
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The second city in Ohio to make our top 10, Dublin is a suburb of <a href="http://www.movoto.com/columbus-oh/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Columbus, OH</a>, and with 41,751 residents is nearly half the size of Parma. It ended up being safer in terms of violent crimes, however, placing third in that category. Dublin ranked seventh-safest for property crime and fifth when it came to the odds of being the victim of a crime (1 in 75).</div>
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While considerably smaller than Parma, Dublin’s total number of crimes in 2012 was higher at 559. It also had one murder as part of its 15 total violent crimes, making Dublin one of only two suburbs in our top 10 to have reported a homicide.</div>
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5. Newton, MA</h2>
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<img alt="Safest Suburbs In America" src="http://s3.amazonaws.com/movotoblog/2014/02/safest-suburbs/images/5.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user christopdesoto</div>
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This <a href="http://www.movoto.com/boston-ma/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Boston, MA</a> suburb, which just over 85,000 people call home, ranked 12th-safest in terms of violent crimes per capita, but third-safest when it came to property crimes per capita. Its 1 in 88 odds of crime earned it a fourth-place rank in that criterion.</div>
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Newton saw 970 total crimes in 2012, with 76 of them categorized as violent and 894 being property related. There were no murders reported, and aggravated assaults made up the majority of violent crimes. Burglaries in Newton were 1.6 times higher than in the similarly sized (and first-place) Carmel.</div>
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6. Cary, NC</h2>
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<img alt="Safest Suburbs In America" src="http://s3.amazonaws.com/movotoblog/2014/02/safest-suburbs/images/6.jpg" style="border: none; width: 600px;" /></div>
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Source: Town of Cary</div>
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As we mentioned earlier, the <a href="http://www.movoto.com/raleigh-nc/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Raleigh, NC</a> suburb of Cary also appeared on our ranking of the country’s safest mid-sized cities, where it placed one spot higher at fifth overall. This town of nearly 146,000 is the largest suburb in our top 10, and placed ninth for both violent and property crimes per capita. Its 1 in 72 odds of crime made it seventh in that respect.</div>
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With a larger suburb comes more crime, and Cary witnessed a total of 2,024 during 2012. Thankfully, only 115 of those were violent (1,909 involved property) and none of them were homicides.</div>
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7. Apex, NC</h2>
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<img alt="Safest Suburbs In America" src="http://s3.amazonaws.com/movotoblog/2014/02/safest-suburbs/images/7.jpg" style="border: none; width: 600px;" /></div>
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Source: Town of Apex</div>
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Also a suburb of Raleigh, Apex is the second-smallest place in our top 10 at just over 40,000 residents. It fared slightly better than Cary (11th- versus 12th-safest) when it came to violent crimes per capita, but also ranked as 11th-safest for per capita property crimes. Apex was just one place behind Cary (eighth) for its 1 in 69 odds of crime.</div>
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Thefts were the standout of Apex’s reported crimes, accounting for 454 of the 590 total. Only 33 of that number were violent, and none were murders.</div>
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8. Oro Valley, AZ</h2>
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<img alt="Safest Suburbs In America" src="http://s3.amazonaws.com/movotoblog/2014/02/safest-suburbs/images/8.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user <a href="http://www.flickr.com/photos/naturescapesphotography/" style="border: 0px; color: #2759a4; font-family: inherit; font-size: 13px; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">NaturEscapes Photography</a></div>
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<a href="http://www.movoto.com/tucson-az/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Tucson, AZ</a> suburb Oro Valley, at slightly more than 41,000 inhabitants, came in sixth-safest when we looked at violent crimes per capita. It jumped to 19th-safest in terms of property crime and placed 15th for its 1 in 59 chance of being a victim of crime.</div>
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The city reported an even total of 700 crimes for 2012, of which 21 were violent and 679 involved property (mostly thefts). Oro Valley was the second city in our top 10 to report a single homicide.</div>
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9. Cupertino, CA</h2>
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<img alt="Safest Suburbs In America" src="http://s3.amazonaws.com/movotoblog/2014/02/safest-suburbs/images/9.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user torarnv</div>
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Headquarters of Apple and a suburb of <a href="http://www.movoto.com/cupertino-ca/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">San Jose, CA</a>, Cupertino has just over 58,000 residents and earned itself a ranking of 14th-safest in terms of per capita violent crime in our ranking. For property crime per capita, it placed 10th, while its 1 in 68 odds of crime put it at ninth for that criterion.</div>
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There were a total of 855 crimes reported in Cupertino during 2012; 56 were violent and 797 involved property. No murders were among them, but robberies and aggravated assaults were nearly even at 23 and 29 reports, respectively.</div>
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10. Germantown, TN</h2>
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<img alt="Safest Suburbs In America" src="http://s3.amazonaws.com/movotoblog/2014/02/safest-suburbs/images/10.jpg" style="border: none; width: 600px;" /></div>
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Source: Flickr user duluoz cats</div>
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This <a href="http://www.movoto.com/memphis-tn/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Memphis, TN</a> suburb is the smallest place in our top 10 at only a tad more than 39,000 people. Germantown actually placed better than Cupertino at 10th-safest in terms of violent crime per capita, but its per capita property crimes put it at 18th for that criterion. Its chance of crime, 1 in 60, was good enough for 14th and one place better than Oro Valley in that category.</div>
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Aggravated assaults made up 24 of the 31 violent crimes reported in Germantown during 2012, and there were no homicides. The rest of the suburb’s 654 total crimes were property related.</div>
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There’s Still Safety In The Suburbs</h2>
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As you can see, the idea that suburbs can be extremely safe places to call home is anything but a myth. Of course, like we said at the outset, there are definitely some suburbs where big city crime has made its presence known.</div>
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Chief among these is <a href="http://www.movoto.com/east-point-ga/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">East Point, GA</a>, which placed last in terms of safety out of the 120 suburbs we looked at. There were 4,240 crimes reported in this town of 35,584 in 2012, making the odds that one would happen to a resident there 1 in 8. Fortunately, most of them (3,819) were property crimes, but 421—including 12 homicides—were violent. Council Bluffs, IA (No. 119), <a href="http://www.movoto.com/miami-beach-fl/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Miami Beach, FL</a> (No. 118), <a href="http://www.movoto.com/camden-nj/" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Camden, NJ</a> (No. 117), and Hutchinson, KS (No. 116) rounded out the five most unsafe suburbs we looked at.</div>
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<a href="http://s3.amazonaws.com/movotoblog/2014/02/safest-suburbs/safest-suburbs-table.png" style="border: 0px; color: #2759a4; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;" target="_blank">(click to enlarge table)</a></center>
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<a href="http://s3.amazonaws.com/movotoblog/2014/02/safest-suburbs/safest-suburbs-table.png" style="background-color: white; border: 0px; color: #2759a4; font-family: Roboto, Helvetica-Neue, Helvetica, Arial, sans-serif; font-size: 18px; line-height: 28.799999237060547px; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;" target="_blank"><img alt="Safest Suburbs In America" src="http://s3.amazonaws.com/movotoblog/2014/02/safest-suburbs/safest-suburbs-table.png" style="border: 0px; width: 600px;" title="The 10 Safest Suburbs In America" /></a><br />
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Courtesy: <a class="twitter-timeline-link" href="http://www.movoto.com/blog/top-ten/safest-suburbs/" style="background-color: white; color: #0084b4; font-family: Arial, sans-serif; font-size: 13px; line-height: 18px; outline: 0px; text-decoration: none !important;">http://www.movoto.com/blog/top-ten/safest-suburbs/</a><br />
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<em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent and Top Contributor, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </span></em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="color: black; font-family: arial; font-size: 15px; line-height: normal; white-space: nowrap;"><em><span style="font-family: Calibri; font-size: small;">317-721-2274</span></em><a href="http://lindawestrealestate.com/5-inspection-problems-buyers-shouldnt-ignore/#" style="border: currentcolor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; width: 16px;" title="Call: 314.277.6982"><em><span style="font-family: Calibri; font-size: small;"><img src="data:image/png;base64,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" style="border: currentcolor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; width: 16px;" title="Call: 314.277.6982" /></span></em></a></span><em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">, or </span><a href="mailto:SoldByAvery@gmail.com"><span style="color: #336699; font-family: Calibri; font-size: small;">SoldByAvery@gmail.com</span></a><span style="font-family: Calibri; font-size: small;">. </span></em><em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">See Avery's reviews and search for a home at </span><a href="http://www.soldbyavery.net/"><span style="color: #336699; font-family: Calibri; font-size: small;">www.SoldByAvery.net</span></a><span style="font-family: Calibri; font-size: small;">. </span></em></div>
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<em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond.</span></em></div>
<br />Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-22817310532847580842014-01-31T10:46:00.000-08:002014-01-31T10:48:15.105-08:00Buying a Home with Bad Credit<div class="MsoNormal">
Bad credit happens. The question is: How do we fix it?<o:p></o:p></div>
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There are a myriad of ads you see if you Google “Credit
Repair,” all offering a quick fix to your credit issues if you would only pay
them a low, low amount. However, there are no quick fixes, and there are no
shortcuts. <o:p></o:p></div>
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There is, however, a simple and straight-forward approach
you can take to put yourself in a better position, raise your credit score, and
be able to purchase a home, within a reasonable amount of time, usually 6 months.<o:p></o:p></div>
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The first place you want to start is getting a copy of your
credit report and credit score. CreditKarma.com offers this for free. If your
score is at a 580 or above, you can get approved for a mortgage is certain
circumstances through certain lenders. <o:p></o:p></div>
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If your score falls short of that, it is time to get to
work. This means paying off collections, and starting to build positive credit
history, which can be done simultaneously.<o:p></o:p></div>
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Your credit report will list all accounts that impact your
credit. You will probably notice that the same collection company is servicing
multiple collection accounts under your name. You can actually negotiate a settlement
for all accounts under that company. The key is to have the cash in hand to pay
them, and to get a statement from the collection agency stating that if you pay
$X, they will consider accounts X, Y, and Z paid in full, and will report that
to all credit bureaus.<o:p></o:p></div>
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Building positive credit is also important. Most lenders
will want to see 3 active credit accounts in good standing, for about 6 months.
The simplest way to do this is by:<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]-->Getting 2 secured credit cards from your bank or
credit union. Basically, you will deposit a certain amount with the bank, and
they will give you a credit card with a credit limit of the amount that you
deposited. The more you are able to put down on the card, the better, as higher
credit limits are looked more favorably upon. Whatever your credit limit is, do
not let your balance on that card exceed <b>30%
of the credit limit.</b> Also, be sure to make payments on time every month.<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]-->Get a Credit Builder CD from BMO Harris. This is
a fantastic product. Basically, you are purchasing a Certificate of Deposit
(similar to a savings account) on credit. You pay them $45/month for 2 years,
and at the end you have a $1000 CD that you can cash in. You can print off the
application and information for this here: <a href="https://drive.google.com/file/d/0BxiPFes1j58PMF9rZm5LQ09VYjQ/edit?usp=sharing">https://drive.google.com/file/d/0BxiPFes1j58PMF9rZm5LQ09VYjQ/edit?usp=sharing</a>
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<div style="color: #555555; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 24px; text-indent: 0px;">
<em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent and Top Contributor, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </span></em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="color: black; font-family: arial; font-size: 15px; line-height: normal; white-space: nowrap;"><em><span style="font-family: Calibri; font-size: small;">317-721-2274</span></em><a href="http://lindawestrealestate.com/5-inspection-problems-buyers-shouldnt-ignore/#" style="border: currentcolor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; width: 16px;" title="Call: 314.277.6982"><em><span style="font-family: Calibri; font-size: small;"><img src="data:image/png;base64,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" style="border: currentcolor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; width: 16px;" title="Call: 314.277.6982" /></span></em></a></span><em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">, or </span><a href="mailto:SoldByAvery@gmail.com"><span style="color: #336699; font-family: Calibri; font-size: small;">SoldByAvery@gmail.com</span></a><span style="font-family: Calibri; font-size: small;">. </span></em><em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">See Avery's reviews and search for a home at </span><a href="http://www.soldbyavery.net/"><span style="color: #336699; font-family: Calibri; font-size: small;">www.SoldByAvery.net</span></a><span style="font-family: Calibri; font-size: small;">. </span></em></div>
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<em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond.</span></em></div>
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Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com1tag:blogger.com,1999:blog-5611548405102558714.post-56325953728356600612014-01-10T11:50:00.000-08:002014-01-14T16:31:52.456-08:00First Time Home Buyers - Where to StartBuying your first home is a major, life changing decision that will impact the immediate and long term future of yourself, your spouse, and your current or future family. When contemplating buying your first home, there are many factors to consider, and what seems to be an endless list of things that need done. So, where do you start?<br />
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First, you want to be sure you are in a good position to purchase a home, personally. Are your finances in order? Is your job steady? Are you disciplined to make the payments on time every month? Do you have savings in case something happens to the house that you need to fix?</div>
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Second, you need to decide what area is the best for you in the mid-term, and possible long term. Is the area on the rise, or is it declining? Are employers coming in, or are they leaving? What about the schools? Is it conducive to your lifestyle? You want to be satisfied with the location, keeping in mind that in 7-10 years you will probably be in a better position, and be looking for another home, your "forever" home. (Ever heard of the 7 year itch?) A good Realtor can help you determine the pro's and con's of different areas.</div>
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The next thing you want to do is to find a good Realtor who knows the market and is available. Don't just go with one that you know through so and so. Find one that is reputable, and has positive reviews. A good Realtor will be able to help you determine the best area for your situation. A good Realtor will also be able to help you figure out which program will work best for you. There are a slew of options, FHA, USDA, Conventional, VA, Insured conventional. A Realtor knowswhat would work best for you.</div>
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A good Realtor will also advise you to get pre-approved by a mortgage broker they have formed a relationship with. A mortgage broker will review your credit and income, and let you know how much you will be approved for. It makes no sense to look at homes you can't afford, in fact, it is down right mean! It is almost always better to get with a local mortgage broker, then it is to go through a big bank. You also want to make sure you are comfortable with the payments that go along with the amount you are approved for, and have your Realtor reduce the price of the home to the maximum payment you would feel comfortable with.</div>
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Once you have an approved and agreed upon maximum budget, it is time to start looking at homes! Most Realtors will set you up with an automated email search through their local MLS/BLC. (Realtor system) This will send you an initial list of every home that meets your criteria within your price range, and will update you with any new listings or price reductions the first day they hit the market. From there, you and your Realtor will come up with a list of homes you want to see, schedule the showings, and see which one you like the best. The key in searching is to be flexible, and ready to pounce when you see a home you may be interested in. Keep in mind, that other people are getting the same emails you are, and will probably like the same home you do. It is first come- first served.</div>
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Once you choose a home you want to purchase, it is time to put the offer in. A good Realtor will know the market condition of the area, and advise you on what he thinks the offer should be. Sometimes you go higher than list price if you really want the home. If you are asking the Seller to pay closing costs, sometimes you offer a higher amount, to include the closing costs in the price. It all depends on your situation, how much you like the house, and the market conditions for that neighborhood or area. There is no rule of thumb, it is a case by case basis.</div>
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After you put an offer in the Seller either accepts it, counters, or rejects it. If they accept, great! If they counter, you can counter back, accept, or reject.</div>
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Once you have an accepted offer, you order the inspection of the home. An inspection will detail every possible and minute flaw the home has. It is important to be reasonable during the inspection process. Here, buyers' remorse sets in. Oftentimes, I've seen this as the reality check of buying a home, and the process loses its magic. Don't fret. A good Realtor can advise you on what to ask the Seller to repair before closing. Every home is going to have something wrong with it, the important thing is weighing the pros against the cons, and determining the costs of fixing it, and being reasonable.</div>
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At closing, you sign a bunch of paperwork, cut the check, get the keys, and become home-owners!</div>
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If you are interested in buying a home now, or in the future, reach out to me. The best part of my job is to watch people's dream of owning a home come true.</div>
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<em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent and Top Contributor, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </span></em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="color: black; font-family: arial; font-size: 15px; line-height: normal; white-space: nowrap;"><em><span style="font-family: Calibri; font-size: small;">317-721-2274</span></em><a href="http://lindawestrealestate.com/5-inspection-problems-buyers-shouldnt-ignore/#" style="border: currentcolor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; width: 16px;" title="Call: 314.277.6982"><em><span style="font-family: Calibri; font-size: small;"><img src="data:image/png;base64,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" style="border: currentcolor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; width: 16px;" title="Call: 314.277.6982" /></span></em></a></span><em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">, or </span><a href="mailto:SoldByAvery@gmail.com"><span style="color: #336699; font-family: Calibri; font-size: small;">SoldByAvery@gmail.com</span></a><span style="font-family: Calibri; font-size: small;">. </span></em><em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">See Avery's reviews and search for a home at </span><a href="http://www.soldbyavery.net/"><span style="color: #336699; font-family: Calibri; font-size: small;">www.SoldByAvery.net</span></a><span style="font-family: Calibri; font-size: small;">. </span></em></div>
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<em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond.</span></em></div>
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Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-24418651961471505952013-12-19T13:50:00.000-08:002013-12-19T13:53:15.045-08:00Homes Gain $1.9T in 2013, Regained 44% Equity Lost From Recession<div class="separator" style="clear: both; text-align: center;">
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<span style="font-size: 1.1em; line-height: 1.3125em;">U.S. homes gained $1.9 trillion in total value this year, the biggest jump since 2005, as the real estate market rebounded from the recession,</span><a class="web_ticker" density="sparse" href="http://www.bloomberg.com/quote/Z:US" style="box-sizing: border-box; color: #003399; cursor: pointer; font-size: 1.1em; font-weight: 700; line-height: 1.3125em; outline: none; text-decoration: none;" ticker="Z:US" title="Get Quote" topic_url="http://topics.bloomberg.com/zillow-inc/">Zillow Inc. (Z)</a><span style="font-size: 1.1em; line-height: 1.3125em;"> said.</span></div>
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At the end of 2013, the housing stock will be worth about $25.7 trillion, Zillow said today in a statement. U.S. homes as a whole lost $6.3 trillion in value from 2007 through 2011 and have recovered 44 percent of that, according to the Seattle-based property-data firm.</div>
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Home <a class="web_ticker" density="full" href="http://www.bloomberg.com/quote/SPCS20Y%25:IND" style="box-sizing: border-box; color: #003399; cursor: pointer; font-weight: 700; outline: none; text-decoration: none;" title="Get Quote">prices</a> are rising across the U.S. as investors drain markets of<a class="web_ticker" density="full" href="http://www.bloomberg.com/quote/ETSLHAFS:IND" style="box-sizing: border-box; color: #003399; cursor: pointer; font-weight: 700; outline: none; text-decoration: none;" title="Get Quote">inventory</a> and improving employment brings in more buyers. Almost 90 percent of the 485 metropolitan areas analyzed by Zillow had price gains this year. The total value of the nation’s housing stock jumped about 7.9 percent from 2012, the second straight annual increase, according to the report.</div>
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“The housing market continued to build on the positive momentum that began in 2012,” Stan Humphries, Zillow’s chief economist, said in the statement. “Low <a class="web_ticker" density="full" href="http://www.bloomberg.com/quote/NMCMFUS:IND" style="box-sizing: border-box; color: #003399; cursor: pointer; font-weight: 700; outline: none; text-decoration: none;" title="Get Quote">mortgage rates</a> and an improving economy helped bring buyers into the market.”</div>
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Price increases will slow next year to a pace closer to the historic norm of 3 percent to 5 percent, according to Humphries.</div>
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The Federal Reserve yesterday said it will scale back asset purchases that have bolstered housing demand by keeping interest rates low. Improvements in the <a class="web_ticker" density="full" href="http://www.bloomberg.com/quote/USURTOT:IND" style="box-sizing: border-box; color: #003399; cursor: pointer; font-weight: 700; outline: none; text-decoration: none;" title="Get Quote">job market</a> spurred the decision to cut spending on Treasuries and mortgage bonds to $75 billion from $85 billion starting in January, the Federal Open Market Committee said at the end of a two-day meeting in <a density="sparse" href="http://topics.bloomberg.com/washington/" style="box-sizing: border-box; color: #003399; cursor: pointer; font-weight: 700; outline: none; text-decoration: none;">Washington</a>.</div>
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A contractor pulls a concrete form while working at a Donohoe Construction Co. retail...<a href="http://www.bloomberg.com/news/2013-12-19/u-s-home-values-gain-most-since-2005-zillow-says.html?cmpid=yhoo&utm_medium=9235&utm_source=TWITTER&utm_content=32&utm_campaign=Data&utm_term=#" style="box-sizing: border-box; color: black; cursor: pointer; font-family: akzidenz-grotesk-std-bloom; font-style: normal; font-weight: 700; outline: none; position: relative; text-decoration: none; z-index: 1;"> Read More</a></div>
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“The housing market is transitioning away from the robust bounce off the bottom we’ve been seeing, toward a more sustainable, healthier market,” Humphries said.</div>
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<em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent and Top Contributor, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </span></em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="color: black; font-family: arial; font-size: 15px; line-height: normal; white-space: nowrap;"><em><span style="font-family: Calibri; font-size: small;">317-721-2274</span></em><a href="http://lindawestrealestate.com/5-inspection-problems-buyers-shouldnt-ignore/#" style="border: currentcolor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; width: 16px;" title="Call: 314.277.6982"><em><span style="font-family: Calibri; font-size: small;"><img src="data:image/png;base64,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" style="border: currentcolor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; width: 16px;" title="Call: 314.277.6982" /></span></em></a></span><em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">, or </span><a href="mailto:SoldByAvery@gmail.com"><span style="color: #336699; font-family: Calibri; font-size: small;">SoldByAvery@gmail.com</span></a><span style="font-family: Calibri; font-size: small;">. </span></em><em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">See Avery's reviews and search for a home at </span><a href="http://www.soldbyavery.net/"><span style="color: #336699; font-family: Calibri; font-size: small;">www.SoldByAvery.net</span></a><span style="font-family: Calibri; font-size: small;">. </span></em></div>
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<em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond.</span></em></div>
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Via <a class="g-profile" href="http://plus.google.com/101169269861152216375" target="_blank">+Bloomberg News</a> </div>
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<a href="http://www.bloomberg.com/news/2013-12-19/u-s-home-values-gain-most-since-2005-zillow-says.html?cmpid=yhoo&utm_medium=9235&utm_source=TWITTER&utm_content=32&utm_campaign=Data&utm_term=">http://www.bloomberg.com/news/2013-12-19/u-s-home-values-gain-most-since-2005-zillow-says.html?cmpid=yhoo&utm_medium=9235&utm_source=TWITTER&utm_content=32&utm_campaign=Data&utm_term=</a></div>
Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-1376034653248926722013-12-06T10:24:00.000-08:002013-12-06T10:24:20.654-08:00To Buy, or Not To Buy? That is the Question<div style="background-color: white; border: 0px; color: #555555; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 18px; outline: 0px; padding: 0px; vertical-align: baseline;">
“To buy or to rent?” Recent graduates, young couples, relocating professionals and others have all asked themselves this question at one point or another. While each option has its benefits, the decision to purchase an apartment, condominium or house as opposed to renting, is complex and based on a number of factors.<span id="more-16372" style="background-color: transparent; border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></div>
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According to a <a href="http://www.realtor.org/" style="background-color: transparent; border: 0px; color: #30517f; font-weight: bold; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">NAR</a>, nearly eight out of 10 respondents believe buying a home today is a good financial decision. The question that remains is whether or not now is the right time to buy a home for <em style="background-color: transparent; border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><u>you.</u></em></div>
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For most people, deciding to buy a home is the largest financial decision of their lifetime. Before making the jump into homeownership, potential home buyers should consider the “soft” lifestyle issues as well as the “hard” financial ones. We have provided the following four financial and lifestyle questions to consider when determining if buying a home is the right decision for you:</div>
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<strong style="background-color: transparent; border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Do you have a steady income?</strong></div>
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At or near the top of every potential homebuyer’s mind is whether or not they can afford to buy a home right now. Buying a home remains a sound financial decision for those with documented income and a good credit history, and a steady income can provide a strong backbone for the initial down payment and future mortgage payments. <a href="http://www.coldwellbanker.com/real_estate/learn/Mortgage_Resources" style="background-color: transparent; border: 0px; color: #30517f; font-weight: bold; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Buy-versus-rent calculators </a>available on websites such as <a href="http://www.coldwellbanker.com/" style="background-color: transparent; border: 0px; color: #30517f; font-weight: bold; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">coldwellbanker.com </a>offer a good start, but there are numerous factors beyond straight economics that also need to be considered. Don’t hesitate to speak with a real estate professional even before you’re ready to buy a home. Along with a financial planner, a real estate professional can help you answer and uncover questions about the cost of homeownership.</div>
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<strong style="background-color: transparent; border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Do you plan to stay in a home for an extended period of time?</strong></div>
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With proper planning, a home purchase has historically proven to be one of the safest investments one can make. Along those lines, it’s imperative to understand that investing in a home is much different than investing in a stock portfolio. Homes typically appreciate in value over time while the owner builds his or her equity through monthly mortgage payments. If you anticipate staying in a home for only one or two years, it doesn’t necessarily mean buying is not for you, but you are less likely to see a significant financial return on your investment</div>
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<strong style="background-color: transparent; border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Do you plan to sell a house in order to buy a house?</strong></div>
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A local real estate professional can help you understand current local market conditions and will help you make smart decisions when listing a home on the market. If you do not currently own a home that needs to be sold prior to purchasing a new one, now is a particularly smart time to buy. Even with lenders becoming increasingly more thorough in their approval process, mortgage financing is still widely available for those with a steady income and solid credit. High inventories and low interest rates give first-time homebuyers a tremendous amount of opportunity and flexibility in markets across the U.S</div>
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<strong style="background-color: transparent; border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">How do your other options compare?</strong></div>
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For renters, calculating month-to-month housing expenses is as easy as inquiring about the monthly rent and average utilities. The calculation gets a bit more complicated when considering the monthly cost of owning a home. A real estate professional can help you understand a range of financial considerations from annual property taxes to the tax incentives for owning a home.</div>
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<em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent and Top Contributor, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </span></em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="color: black; font-family: arial; font-size: 15px; line-height: normal; white-space: nowrap;"><em><span style="font-family: Calibri; font-size: small;">317-721-2274</span></em><a href="http://lindawestrealestate.com/5-inspection-problems-buyers-shouldnt-ignore/#" style="border: currentcolor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; width: 16px;" title="Call: 314.277.6982"><em><span style="font-family: Calibri; font-size: small;"><img src="data:image/png;base64,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" style="border: currentcolor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; width: 16px;" title="Call: 314.277.6982" /></span></em></a></span><em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">, or </span><a href="mailto:SoldByAvery@gmail.com"><span style="color: #336699; font-family: Calibri; font-size: small;">SoldByAvery@gmail.com</span></a><span style="font-family: Calibri; font-size: small;">. </span></em><em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">See Avery's reviews and search for a home at </span><a href="http://www.soldbyavery.net/"><span style="color: #336699; font-family: Calibri; font-size: small;">www.SoldByAvery.net</span></a><span style="font-family: Calibri; font-size: small;">. </span></em><br style="color: black; font-family: arial; font-size: 15px; line-height: normal;" /><em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"></em><br style="color: black; font-family: arial; font-size: 15px; line-height: normal;" /><em style="color: black; font-family: arial; font-size: 15px; line-height: normal;"><span style="font-family: Calibri; font-size: small;">Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond.</span></em></div>
Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-47847330307347386212013-11-26T10:10:00.001-08:002013-11-26T10:10:12.706-08:00Flood Insurance: What You Need To KnowFor homeowners who do not live directly in a flood zone, flood insurance may not be a common concern. Many homeowners may not even realize that their standard homeowners insurance policies do not cover the home in the instance of a flood.<br />
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Flood insurance, which is provided by the federal government through the National Flood Insurance Program (NFIP) through private companies and agents, is a valuable asset for nearly any structure. Here is some background to help people understand the benefits of this type of protection and what they should know about it.<br />
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<span style="color: #774c35;">Who Should Buy Flood Insurance?</span></h2>
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Shockingly, an estimated 25 percent of flood insurance claims come from homes located in medium or low risk flood zones. This is because while floods are commonly caused by rising water, such as lakes or rivers, they can also be caused by melting snow, large amounts of rain, hurricanes, water backup, and other common household experiences. Without flood insurance, the damage caused by the water will most likely have to come out of the pocket of the homeowner. This is why homeowners should carefully consider buying flood insurance, even if they are in a low risk area.<br />
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On the other hand, for those who own homes that are in a high risk area, it should not even be a question of if they are going to get flood insurance. On the maps of Flood Insurance Rates, those who are in the high risk zones stand an approximate one in four chance of being flooded over the course of the life of the mortgage. With such a high risk, flood insurance can end up being an enormous lifesaver when it comes to repairing the home after an unfortunate flood.<br />
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Anyone who lives in a community that participates in the NFIP can purchase flood insurance. Those who live in Coastal Barrier Resource areas or Otherwise Protected areas are not eligible to purchase National Flood Insurance. Homes or buildings that are entirely below ground or out over water are not covered either. These people should research and discuss with their realtors to learn the best ways to protect their homes.<br />
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<span style="color: #774c35;">Understanding How Flood Insurance Works</span></h2>
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<span class="pin-holder alignright" id="pin-wrapper-6382" style="float: right;"><span class="pin-clear"></span></span>Flood insurance is a separate type of insurance from standard homeowners’ insurance. There are approximately ninety different private companies as well as 60,000 private insurance agents who sell National Flood Insurance and who can help supply policies to those looking to purchase a policy. The cost of the flood insurance policy will vary depending on the year and type of construction on the home as well as the homes location and estimated flood risk.<br />
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Homeowners should be aware that when they purchase flood insurance, there is a thirty day wait period before the policy goes into effect. This means that homeowners can not purchase insurance because they hear on the news that the storm of the century is coming straight towards them. If a flood occurs and damages the home within that thirty day wait period, the home will not be protected.<br />
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On the other hand, if the homeowners purchase a flood insurance policy while they are taking out their mortgage, then the thirty day wait period does not apply. That is why it is best to buy flood insurance in the beginning rather than waiting to see if it is going to be necessary. Waiting on buying the policy places the home at unnecessary risk. Some mortgage lenders will make flood insurance required for the loan, in which case the lender may escrow the premiums to ensure coverage.<br />
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<span style="color: #774c35;">Benefits of Flood Insurance</span></h2>
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Many homeowners mistakenly believe that floods will not happen to them and if it does, their homeowners’ insurance will help. Unfortunately, as previously discussed, everyone is at risk for floods and homeowners insurance policies do not cover flooding. Another misconception is that the federal government will help should the flooding be caused by some natural phenomenon. This is also not true, unless the president declares a disaster zone. Flood insurance offers homeowners peace of mind, knowing that they will be covered should water cause damage to their home.<br />
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Cleaning up after a flood, or any home water damage, is a trying experience. Water in the home quickly causes mold issues and even structural damage in just a few days and it can be very difficult to completely dry out the area. Often anything that was in the flooded area, including boilers, hot water heaters, washing machines, and more are damaged if not destroyed. Bad flooding can require calls to professional restoration specialists. Flood insurance helps homeowners tackle the cleanup and repair costs so that they do not have to pay entirely out of pocket.<br />
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What can sometimes be troublesome about the need for flood insurance is when a flood map changes. In a recent home sale in Zionsville, the seller was never required to have a flood insurance policy. During the time of home ownership however, the flood maps had been changed creating the need for the buyer of the property to purchase flood insurance in order to get a loan. As you can guess the buyer was none too happy to find out they had this unexpected out of pocket expense.<br />
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The seller realizing the could potentially lose a sale agreed to contribute a fairly large chunk of funds to satisfy the buyer.<br />
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Home sellers need to be aware of the steps that must be taken to protect their property, as well as to sell their home in the future. The FEMA flood maps changed in 2013 along with the<em> phase out of subsidization</em> of insurance rates for the following types of properties in flood zones: second homes, multi family homes, commercial and properties that have experienced recurring flood damage above the value of the property.<br />
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If you happen to be lucky enough not to have a mortgage on your property, the need for flood insurance may not have crossed your mind. In all the years of living at your home, you may never have thought about a policy for flood damage. If you are thinking of selling your property in the near future however, it is extremely important to know what the insurance costs will be.<br />
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While you may choose to not carry this insurance, the next buyer will almost certainly required to have it. If the buyer of a home in a flood plain has to get a mortgage, which most buyers do, the lender will mandate flood insurance on the home.<br />
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The amount of flood insurance that is required will become extremely important as it will have an effect on the overall value of your property. Is the cost only going to be a few thousand or will it cost the buyer tens of thousands? This is a key question you should have the answer to before you list your home for sale with a Realtor.<br />
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<span style="color: #774c35;">Recent News About Flood Insurance</span></h2>
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<span class="pin-holder alignright" id="pin-wrapper-6383" style="float: right;"><span class="pin-clear"></span></span>Over the past year there have been some developments in the National Flood Insurance Program. In 2012 the president signed into law a bill that reauthorized the program, which helped to re – energize the real estate market in areas where flood insurance policies are required; as there had been various disruptions in the areas that required the federal insurances.<br />
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The bill also:<br />
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<ul>
<li> Made flood insurance more available and affordable for those who needed the insurance</li>
<li>Introduced some new provisions, such as a method for establishing responsibility between the flood and wind insurance providers when it was difficult to determine what precisely caused damage to a home</li>
<li>Redrew the flood maps used to determine a home’s flood risk</li>
<li>Established an independent appeals board for individuals and communities looking to challenge the maps</li>
<li>Guaranteed that a homeowner who is successful in his appeal of the maps will be reimbursed for related costs</li>
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Homeowners should also be aware that in some areas the subsidies that helped people afford flood insurance are being phased out. The people primarily affected by the loss of the subsidies are those who live in older structures known as pre – FIRM structures because they were built before the first flood maps were drawn. Not all pre – FIRM properties will be affected. The majority of the changes will influence the insurance rates of those residences that are not used as primary residences, business properties, and properties that have experienced severe and repetitive loss due to flooding.<br />
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Flood insurance is a valuable asset for those who own homes or businesses. Even those who do not live in a high risk flood zone face the threat of flooding, and water damage can devastate a building. Learning about how flood risks affect the local area and discussing the matter with the real estate agent can help homeowners make wise decisions about flooding and help protect their families and assets<span style="background-color: transparent; color: black; font-family: arial; font-size: 15px;">. </span><br />
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<span style="background-color: transparent; color: black; font-family: arial; font-size: 15px;"><em><span style="font-family: Calibri; font-size: small;">Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent and Top Contributor, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </span></em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;"><em><span style="font-family: Calibri; font-size: small;">317-721-2274</span></em><a href="http://lindawestrealestate.com/5-inspection-problems-buyers-shouldnt-ignore/#" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 314.277.6982"><em><span style="font-family: Calibri; font-size: small;"><img src="data:image/png;base64,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" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 314.277.6982" /></span></em></a></span><em><span style="font-family: Calibri; font-size: small;">, or </span><a href="mailto:SoldByAvery@gmail.com"><span style="color: #336699; font-family: Calibri; font-size: small;">SoldByAvery@gmail.com</span></a><span style="font-family: Calibri; font-size: small;">. </span></em><em><span style="font-family: Calibri; font-size: small;">See Avery's reviews and search for a home at </span><a href="http://www.soldbyavery.net/"><span style="color: #336699; font-family: Calibri; font-size: small;">www.SoldByAvery.net</span></a><span style="font-family: Calibri; font-size: small;">. </span></em><br /><em></em><br /><em><span style="font-family: Calibri; font-size: small;">Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond.</span></em></span>Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-90138248179474083202013-11-22T10:48:00.004-08:002013-11-26T10:09:53.344-08:00What Can I Afford in a Home? <strong>What Can I Afford in a Future Home?</strong><br />
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In today’s booming Philly real estate market, homes are available in every size and location, from starter townhouses to move-up colonials to luxury properties. Before the current low interest rates begin to shift higher, you may be considering locking in a larger mortgage and skipping ahead a few steps in your home buying process. Determining an appropriate purchase price is an important first step that will help to focus your home search.<br />
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<strong>Key Components of the “What Can I Afford?” Equation</strong><br />
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Your ideal home price depends on how much of a down payment you have saved and the monthly housing payment which fits into your budget. Income is the primary input used to determine what you can afford to pay for a house. Remember, income includes all sources of cash inflow, including your base salary, tips, bonuses, overtime, commissions, or payments from a second job.<br />
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<strong>Front-end Analysis</strong><br />
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The real estate industry uses the front-end ratio, which allocates 28% of your gross monthly income towards a housing payment. A monthly housing payment includes your mortgage, real estate taxes and home insurance. To calculate the front-end ratio, divide your income by twelve to determine a monthly amount. As an example, if all of your income sources total $100,000 annually, then your monthly gross income, before income taxes, would be $8,333 and your affordable housing payment would be 28% of that figure, or about $2,333.<br />
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<strong>Back-end Analysis</strong><br />
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The front-end ratio, while a good starting point, does not take certain extenuating factors into account. A better determination of an affordable housing payment would be what is known as the back-end ratio. This calculation estimates your housing payment as 36% of your <strong>net</strong> <strong>income,</strong> (gross income minus taxes), less monthly debt, such as car payments, student loans and credit card bills. It’s a good idea to review the last few months of your checkbook to ensure you include all debt obligations, and then add a cushion for unexpected expenditures such as emergency repairs (and possibly a spontaneous trip to the Philadelphia Premium Outlets).<br />
Note how the back-end ratio results vary: Several home buyers, all with same $100,000 in gross income used in the original example, will calculate the same front-end housing payment, but household expenses will change their back-end results. One individual may prefer living in the city of Philadelphia, where the wage tax is 3.9%, versus 1.0% in most suburbs. Another may have student loan obligations or a new car. These slight differences are incorporated into the back-end ratio, with varying results.<br />
For illustrative purposes, include a $500 student loan payment, $500 car payment, $200 credit card payment, and another $200 for miscellaneous expenses in the back end ratio. Assuming 30% of gross income goes towards taxes, net income would be $3,666.10. Thirty-six percent of that amount comes to $1,596, significantly less than the front-end amount of $2,333.<br />
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<strong>Non-Financial Factors</strong><br />
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How much risk do you feel comfortable assuming? Based on your earnings stability or your job security, you may not want to allocate 28% of your gross income towards a housing payment. The term of a mortgage loan is also a factor. To avoid locking yourself into thirty years of payments, you may trade a higher monthly cost now for a shorter payback period. Some home buyers limit vacations and new cars in order to buy a larger home in a desirable neighborhood. The purchase of a home is one of the most significant expenditures in your life, so take the time to make sure it is the all-around best decision for you.<br />
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<em><span style="font-family: Calibri;">Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent and Top Contributor, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </span></em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;"><em><span style="font-family: Calibri;">317-721-2274</span></em><a href="http://lindawestrealestate.com/5-inspection-problems-buyers-shouldnt-ignore/#" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 314.277.6982"><em><span style="font-family: Calibri;"><img src="data:image/png;base64,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" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 314.277.6982" /></span></em></a></span><em><span style="font-family: Calibri;">, or </span><a href="mailto:SoldByAvery@gmail.com"><span style="color: #336699; font-family: Calibri;">SoldByAvery@gmail.com</span></a><span style="font-family: Calibri;">. </span></em><em><span style="font-family: Calibri;">See Avery's reviews and search for a home at </span><a href="http://www.soldbyavery.net/"><span style="color: #336699; font-family: Calibri;">www.SoldByAvery.net</span></a><span style="font-family: Calibri;">. </span></em><br /><em></em><br /><em><span style="font-family: Calibri;">Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond.</span></em>Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-70473160997760287932013-11-15T07:47:00.000-08:002013-11-15T07:47:36.697-08:004 Key Steps to Buying a Home
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<div class="MsoListParagraph" style="margin: 0in 0in 10pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<strong><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: Calibri;">1)</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><span style="font-family: Calibri;">Find a Good Realtor.</span></strong></div>
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<div class="MsoNormal" style="margin: 0in 0in 10pt 0.5in;">
<span style="font-family: Calibri;">A good Realtor buys and sells
houses for people on a regular basis. They know the market, and will help you
figure out what is most important in your search. They also will have a grasp
of different financing programs, and will be able to guide you to the
appropriate lender that best serves your needs. </span></div>
<div class="MsoNormal" style="margin: 0in 0in 10pt 0.5in;">
<span style="font-family: Calibri;">A Realtor does not cost the home
buyer any money. Commissions are paid by the seller from their net proceeds. By
the way, I happen to be a good Realtor! Give me a call!</span></div>
<br />
<div class="MsoListParagraph" style="margin: 0in 0in 10pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<strong><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: Calibri;">2)</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><span style="font-family: Calibri;">Get Pre-Approved by a Lender.<o:p></o:p></span></strong></div>
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<div class="MsoNormal" style="margin: 0in 0in 10pt 0.5in;">
<span style="font-family: Calibri;">This is where I always start with
my clients. When I first became a Realtor, I took a client around looking at
homes, and they found their perfect home and fell in love. We then talked to a
mortgage broker and found out they couldn’t afford this home. It was
heartbreaking!<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 10pt 0.5in;">
<span style="font-family: Calibri;">Taking this step will let you know
how much home you can qualify for, and more importantly, will give you an idea
of what a monthly payment will actually be so you can make sure it fits in your
budget. <o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 10pt 0.5in;">
<span style="font-family: Calibri;">Once I get an approved amount from
a lender, I set up a search through our MLS of homes that meet my client’s
criteria within that price range. They let me know which ones they want to see, and I schedule the showings.</span></div>
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<div class="MsoListParagraph" style="margin: 0in 0in 10pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<strong><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: Calibri;">3)</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><span style="font-family: Calibri;">Have realistic expectations.</span></strong></div>
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<div class="MsoNormal" style="margin: 0in 0in 10pt 0.5in;">
<span style="font-family: Calibri;">You must have a little give and
take. If I got my clients everything they wanted, I would be a Realtor God! The
truth is that you have to take the good with the bad, and decide which option
on the market <em>best</em> fits your needs. </span></div>
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<div class="MsoListParagraph" style="margin: 0in 0in 10pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<strong><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: Calibri;">4)</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><span style="font-family: Calibri;">Be Prepared for Obstacles.</span></strong></div>
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<div class="MsoNormal" style="margin: 0in 0in 10pt 0.5in;">
<span style="font-family: Calibri;">Murphy’s law states that if
something can go wrong, it will. I have very seldom had a real estate
transaction happen without some sort of obstacle to overcome. The key is to be
resilient and calm through the transaction. There may be glitches in financing.
<span style="mso-spacerun: yes;"> </span>Inspections often times turn up things
that Buyers get leery of. Sometimes offers get rejected and the Seller accepts
another one. <o:p></o:p></span></div>
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<div class="MsoNormal" style="margin: 0in 0in 10pt 0.5in;">
<span style="font-family: Calibri;">The thing I have learned in this
business, and in life in general, is that situations usually end up turning out
just the way they are supposed to. When things don’t go your way in a deal,
that probably means there is another deal out there waiting on you that will
work out better.</span></div>
<div class="MsoNormal" style="margin: 0in 0in 10pt 0.5in;">
<span style="font-family: Calibri;"></span> </div>
<div class="MsoNormal" style="margin: 0in 0in 10pt 0.5in;">
<span style="font-family: Calibri;"></span> </div>
<span style="font-family: Calibri;"><br />
<em>Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent and Top Contributor, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;"><em>317-721-2274</em><a href="http://lindawestrealestate.com/5-inspection-problems-buyers-shouldnt-ignore/#" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 314.277.6982"><em><img src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABAAAAAQCAYAAAAf8/9hAAAACXBIWXMAAA7EAAAOxAGVKw4bAAAAIGNIUk0AAHolAACAgwAA+f8AAIDpAAB1MAAA6mAAADqYAAAXb5JfxUYAAAKLSURBVHjadJPfS5NhFMe/21xvuhXRyJAZroiSrJnbRdT7vrAf5HBaK5RABmEEwQIvkpZ/QRcWXdSFw5soKaF0F7qZeLO13mGBDpQsf5CoxVKHOt0Pctp2uvEdrzG/V+c553w/54HnPDIiQiGpPMETABoB2AAYd9MRAMMAvGmX+RcAyAoBVJ7gZQDtABworH4AHWmX+bOMZdkjCoXiUzabvcAwzPSsob5p/VTNY9GcdpnxdmYZ9wJThSCtCr1e/4XjuNPd3d1KjUZzaGbI27ysqzGQoggAsLa1A7ehArrDxfDNr0oBlQB+wmKxbJFEL968SxoamsjkHaPU9l9piUo6A0RE1DG2QCWdASrpDAzJM5kMI8XecdjVxfEl+K9dxFgsgUvvR6HyBKHyBAEATyKLeGSsENuNcqk5kUjEGm7fzcYqr0ClVODl99+YXEvl6+c1amjVe+ahiGGYaUEQKnmeh91uL43rqheixjpdmzCL11er0PcjhrTLvMfUJsyKYUSeyWQ6enp6tgCgrKxsfbP8bB8AdE1G89cOReMAgOv+Cag8QXRNRkXAsDwcDr+am5tLCYKA3t7eo2dG+1vVK/MfpRPtA+MIReMYaKj+/xm9MiICx3EmpVL5wefzFavValis1u1vvHMkdfykCQC0kSGUTo+Ajmnx1dSC7IGD+UUCEYGIwLKsyWazrSeTSSIiMpnNf7Ttz5+ec96fr7/VnE0mk+QfHMzV3WjcKH/4rEr05QGFIA6HY4llWRLPRER+v3/HYrFMFQSIkNra2tVQKJSlfcSyLO0LECFWq3XF6XRGA4HAptTsdrsXeZ6fEHtl+31nAOA4rkUulz/I5XL63dQGgHEAN8Ph8AYA/BsAt4ube4GblQIAAAAASUVORK5CYII=" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 314.277.6982" /></em></a></span><em>, or <a href="mailto:SoldByAvery@gmail.com"><span style="color: #336699;">SoldByAvery@gmail.com</span></a>. </em><em>See Avery's reviews and search for a home at <a href="http://www.soldbyavery.net/"><span style="color: #336699;">www.SoldByAvery.net</span></a>. </em><br />
<em></em><br />
<em>Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond.</em><br />
<o:p></o:p></span>
Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-58764425722593561272013-11-08T14:30:00.000-08:002013-11-08T14:30:35.225-08:00USA's Most Expensive Home Markets Coldwell Banker just released its 2013 Home Listing Report, ranking the prices of 2,000 markets across the nation. Most of the 25 priciest markets are in <span class="yshortcuts cs4-visible" id="lw_1383949373525_1">California</span>, as you might expect. Still, the list does contain a few surprises: One Minnesota town manages to crack the top 10. Yet Hawaii, hardly known for cheap <span class="yshortcuts cs4-visible" id="lw_1383949373525_16">real estate</span>, occupies just one spot, and that's all the way down at No. 20.<br />
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Now, rankings like these are pretty common in the real estate industry; in fact, the National Association of Realtors releases data every quarter, <a data-rapid_p="2" href="http://bit.ly/1hQLwvc" target="_blank">including a release on Wednesday</a>. But whereas most rankings look at the <span class="yshortcuts cs4-ndcor" id="lw_1383949373525_18">median price</span> of all homes in an area regardless of size, this list zeroes in on the average listing price of solely four-bedroom, two-bathroom homes. And whereas many rankings look at federally designated <a data-rapid_p="3" href="http://www.census.gov/population/metro/" target="_blank">Metropolitan Statistical Areas</a>, the markets on this list are simply the cities or towns in the addresses of each real estate listing.<br />
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The idea is to provide more of an "apples-to-apples comparison across markets," <span class="yshortcuts cs4-ndcor" id="lw_1383949373525_7">Coldwell Banker</span> told <span class="yshortcuts cs4-ndcor" id="lw_1383949373525_4">Yahoo Homes</span>, to get closer to answering this kind of question: What would a home in, say, Cleveland be worth if the same home were in Malibu?<br />
<br />
It's an interesting approach. By focusing on four-bedroom, two-bathroom homes, Coldwell Banker is trying to filter out extremes at the <a data-rapid_p="4" href="http://yhoo.it/HK1ie3" target="_blank">ultra-high end</a> as well as the <a data-rapid_p="5" href="http://yhoo.it/13Bqc3d" target="_blank">very low end</a>. It wants to put a price on the kind of home that's bigger and better than a starter home, comfortable for a family but not a mansion: "aspirational" but not fantastical.<br />
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</div>
On the pricey side, Malibu in Southern <span class="yshortcuts cs4-visible" id="lw_1383949373525_2">California</span> came out on top this year, with an average listing price of more than $2 million for a four-bedroom, two-bathroom home. That's about 20 percent more than the city that came in second: Newport Beach, also in Southern California.<br />
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"Malibu is undergoing a transformation from a seasonal destination to a year-round locale,” said <span class="yshortcuts cs4-ndcor" id="lw_1383949373525_22">Madison Hildebrand</span>, co-star of Bravo’s "<a data-rapid_p="7" href="http://yhoo.it/VHvvun" target="_blank">Million Dollar Listing</a>" and a Coldwell Banker agent in Malibu.</div>
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One important note on methodology: To qualify for ranking, a market had to have at least 10 <a data-rapid_p="8" href="http://bit.ly/HJXBF6" target="_blank">ColdwellBanker.com</a> listings of four-bedroom, two-bathroom homes during the six-month data period of January to June. Markets like Beverly Hills and Manhattan are unranked because they didn't meet that 10-listing threshold, Coldwell Banker told us. Homes with more than four bedrooms didn't count, and neither did homes with 1.5 bathrooms or 2.5 bathrooms or anything other than exactly two bathrooms. So bear that in mind as you look at this list of the most expensive <span class="yshortcuts cs4-ndcor" id="lw_1383949373525_21">real estate markets</span> in America:<br />
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<strong>25. <a data-rapid_p="9" href="http://yhoo.it/HJYNs7" target="_blank">Newton, Massachusetts </a></strong><br />Average listing price: $912,745<br />
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<strong>24. <a data-rapid_p="10" href="http://yhoo.it/HJYYnl" target="_blank">Westport, Connecticut</a> </strong><br />Average listing price: $966,582<br />
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<strong>23. <a data-rapid_p="11" href="http://yhoo.it/HJZ12r" target="_blank">Larchmont, New York</a></strong><br />Average listing price: $972,150<br />
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<strong>22. <a data-rapid_p="12" href="http://yhoo.it/HJYL3q" target="_blank">Campbell, California</a></strong><br />Average listing price: $974,212<br />
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<strong>21. <a data-rapid_p="13" href="http://yhoo.it/HJZ8Lx" target="_blank">Mercer Island, Washington</a></strong><br />Average listing price: $999,276<br />
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<strong>20. <a data-rapid_p="14" href="http://yhoo.it/HJZ7XL" target="_blank">Kailua, Hawaii</a></strong><br />Average listing price: $1,004,567<br />
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<strong>19. <a data-rapid_p="15" href="http://yhoo.it/HJYKg4" target="_blank">Danville, California</a></strong><br />Average listing price: $1,018,300<br />
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<strong>18. <a data-rapid_p="16" href="http://yhoo.it/HJYJIZ" target="_blank">Santa Barbara, California</a></strong><br />Average listing price: $1,061,475<br />
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<strong>17. <a data-rapid_p="17" href="http://yhoo.it/1dUvU76" target="_blank">Sunnyvale, California</a></strong><br />Average listing price: $1,077,025<br />
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<strong>16. <a data-rapid_p="18" href="http://yhoo.it/HJYPjP" target="_blank">Wellesley, Massachusetts</a></strong><br />Average listing price: $1,079,600<br />
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<strong>15. <a data-rapid_p="19" href="http://yhoo.it/HJYWvJ" target="_blank">Greenwich, Connecticut</a></strong><br />Average listing price: $1,087,300<br />
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<strong>14. <a data-rapid_p="20" href="http://yhoo.it/HJYFsx" target="_blank">Pasadena, California</a></strong><br />Average listing price: $1,092,087<br />
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<strong>13. <a data-rapid_p="21" href="http://yhoo.it/HJZ1Q5" target="_blank">Great Neck, New York</a></strong><br />Average listing price: $1,103,364<br />
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<strong>12. <a data-rapid_p="22" href="http://yhoo.it/HJYD3U" target="_blank">San Mateo, California</a></strong><br />Average listing price: $1,132,523<br />
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<strong>11. <a data-rapid_p="23" href="http://yhoo.it/HJZ4eC" target="_blank">Breckenridge, Colorado</a></strong><br />Average listing price: $1,177,795<br />
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<strong>10. <a data-rapid_p="24" href="http://yhoo.it/HJYA8n" target="_blank">Redwood City, California</a></strong><br />Average listing price: $1,203,357<br />
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<strong>9. <a data-rapid_p="25" href="http://yhoo.it/HJYRIo" target="_blank">Weston, Massachusetts</a></strong><br />Average listing price: $1,229,000<br />
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<strong>8. <a data-rapid_p="26" href="http://yhoo.it/HJYSMr" target="_blank">Orono, Minnesota</a></strong><br />Average listing price: $1,251,873<br />
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<strong>7. <a data-rapid_p="27" href="http://yhoo.it/HJYvl9" target="_blank">Cupertino, California</a></strong><br />Average listing price: $1,292,400<br />
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<strong>6. <a data-rapid_p="28" href="http://yhoo.it/HJYUUG" target="_blank">Stone Harbor, New Jersey</a></strong><br />Average listing price: $1,301,727<br />
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<strong>5. <a data-rapid_p="29" href="http://yhoo.it/17KV2JU" target="_blank">San Francisco, California</a></strong><br />Average listing price: $1,309,559<br />
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<strong>4. <a data-rapid_p="30" href="http://yhoo.it/HJYqOn" target="_blank">Los Gatos, California</a></strong><br />Average listing price: $1,360,497<br />
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<strong>3. <a data-rapid_p="31" href="http://yhoo.it/HJYqhf" target="_blank">Saratoga, California</a></strong><br />Average listing price: $1,684,261<br />
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<div id="yui_3_9_1_10_1383949480784_244">
<strong>2. <a data-rapid_p="32" href="http://yhoo.it/HJYrlp" target="_blank">Newport Beach, California</a></strong><br />Average listing price: $1,773,824</div>
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<strong>1. <a data-rapid_p="33" href="http://yhoo.it/HJYoWI" target="_blank">Malibu, California</a></strong><br />Average listing price: $2,155,900<br />
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<br />
<br />
<em>Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;"><em>317-721-2274</em><a href="http://lindawestrealestate.com/5-inspection-problems-buyers-shouldnt-ignore/#" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 314.277.6982"><em><img src="data:image/png;base64,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" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 314.277.6982" /></em></a></span><em>, or <a href="mailto:SoldByAvery@gmail.com"><span style="color: #336699;">SoldByAvery@gmail.com</span></a>. </em><em>See Avery's reviews and search for a home at <a href="http://www.soldbyavery.net/"><span style="color: #336699;">www.SoldByAvery.net</span></a>. </em><br />
<em></em><br />
<em>Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond.</em><br />
Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-43494295687050640762013-10-23T13:45:00.002-07:002013-10-23T13:45:46.044-07:00FSBO Facts ( For Sale By Owner )85% of FSBO's end up listing with a Realtor.<br />
<br />
Of the 15% that "successfully" sell FSBO:<br />
<br />
FSBO homes sell for 18% less then comparative properties listed with Realtors, on average.<br />
<br />
Realtors commission is typically 6-7%. (Do the Math)<br />
<br />
FSBO transactions take 7 months longer to close.<br />
<br />
FSBO's spent $2,500 more on inspection repairs then listings represented by Realtors.<br />
<br />
40% said they knew the Buyer of their home personally before the transaction.<br />
<br />
Only 14% sold their home in the time the budgeted.<br />
<br />
Only 13% said they had enough time to devote to the sale.<br />
<br />
63% said the FSBO process impeded with work.<br />
<br />
77% said it impeded with time spent with their family.<br />
<br />
<br />
<br />
<br />
<div style="direction: ltr; language: en-US; margin-bottom: 0pt; margin-top: 0pt; mso-line-break-override: restrictions; punctuation-wrap: simple; text-align: left; unicode-bidi: embed; vertical-align: baseline;">
<span style="color: #404040; font-family: Arial; font-size: 10.5pt; font-style: italic; language: en-US; mso-ascii-font-family: Arial; mso-bidi-font-family: +mn-cs; mso-bidi-theme-font: minor-bidi; mso-color-index: 1; mso-fareast-font-family: "MS Pゴシック"; mso-font-kerning: 12.0pt; mso-style-textfill-fill-alpha: 100.0%; mso-style-textfill-fill-color: #404040; mso-style-textfill-fill-themecolor: text1; mso-style-textfill-type: solid;">Source:
2012 Profile of Buyers and Sellers, NAR Research</span></div>
<br />
<br />
<em>Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;"><em>317-721-2274</em><a href="http://lindawestrealestate.com/5-inspection-problems-buyers-shouldnt-ignore/#" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 314.277.6982"><em><img src="data:image/png;base64,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" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 314.277.6982" /></em></a></span><em>, or <a href="mailto:SoldByAvery@gmail.com"><span style="color: #336699;">SoldByAvery@gmail.com</span></a>. </em><em>See Avery's reviews and search for a home at <a href="http://www.soldbyavery.net/"><span style="color: #336699;">www.SoldByAvery.net</span></a>. </em><br /><em></em><br /><em>Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond.</em>Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-2885616722130224372013-10-23T10:14:00.001-07:002013-10-23T10:17:38.157-07:00New $0 Down Payment Program for Home Buyers!<br />
Tired of paying mortgage insurance on your FHA, VA, or USDA inusred mortgage? Tired of jumping through hoops to buy a new home under these programs? I have a perfect solution for you!<br />
<br />
A personal lender of mine has just introduced a new program where you can buy a home with NO down payment, NO monthly insurance premiums that make your monthly payments higher, and NO government hoops to jump through that delay your closing on your home!<br />
<br />
Here are the requirments for $0 Down:<br />
<br />
<ol>
<li>A 680 credit score or higher</li>
<li>An annual individual income of less than $52,080 (per person, not household)</li>
</ol>
Here are the requirements for 3% Down:<br />
<br />
<ol>
<li>A 620 credit score or higher</li>
<li>An annual individual income of less than $52,080 (per person, not household)</li>
</ol>
This is an amazing product offered locally. If you are buying a home, or thinking about buying a home, with FHA, VA, or USDA, you should consider this option before you do. No insurance premium means your monthly payment could be as much as $100 less every month!<br />
<br />
Contact me to find out more:<br />
<br />
<div>
<span style="color: #1f497d;"><strong><span style="font-size: x-small;">Avery Garrett</span></strong><span style="color: #1f497d; font-size: x-small;"><strong>Coldwell Banker Kaiser</strong></span></span><br />
<span style="color: #1f497d;"><span style="color: black;"><span style="font-size: x-small;">Mobile: <span style="white-space: nowrap;"><span style="white-space: nowrap;"><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;">(317) 721-2274<a href="https://mail.google.com/mail/u/0/?shva=1#" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 721-2274"><img src="data:image/png;base64,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" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 721-2274" /></a></span><a href="https://mail.google.com/mail/u/0/?shva=1#SafeHtmlFilter_" style="border: currentColor; display: inline; float: none; height: 16px; margin: 0px; overflow: hidden; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 721-2274"><img style="border: currentColor; display: inline; float: none; height: 16px; margin: 0px; overflow: hidden; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 721-2274" /></a></span><a href="https://mail.google.com/mail/u/0/?shva=1#SafeHtmlFilter_" style="border: currentColor; display: inline; float: none; height: 16px; margin: 0px; overflow: hidden; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 721-2274"><img style="border: currentColor; display: inline; float: none; height: 16px; margin: 0px; overflow: hidden; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 721-2274" /></a></span><br />Office: </span><a href="http://www.blogger.com/null" value="+13178441131"><span style="font-size: x-small;"><span style="white-space: nowrap;"><span style="white-space: nowrap;"><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;">(317) 844-1131</span></span></span></span></a><span style="font-size: x-small;"><a href="https://mail.google.com/mail/u/0/?shva=1#" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 844-1131"><img src="data:image/png;base64,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" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 844-1131" /></a></span><span style="font-size: x-small;"><a href="https://mail.google.com/mail/u/0/?shva=1#SafeHtmlFilter_" style="border: currentColor; display: inline; float: none; height: 16px; margin: 0px; overflow: hidden; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 844-1131"><img style="border: currentColor; display: inline; float: none; height: 16px; margin: 0px; overflow: hidden; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 844-1131" /></a></span><span style="font-size: x-small;"><a href="https://mail.google.com/mail/u/0/?shva=1#SafeHtmlFilter_" style="border: currentColor; display: inline; float: none; height: 16px; margin: 0px; overflow: hidden; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 844-1131"><img style="border: currentColor; display: inline; float: none; height: 16px; margin: 0px; overflow: hidden; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 844-1131" /></a></span></span><span style="color: black;"><span style="font-size: x-small;"></span></span></span><br />
<span style="color: #1f497d;"><span style="color: black;"><span style="font-size: x-small;">Fax: </span><a href="http://www.blogger.com/null" value="+13178438450"><span style="font-size: x-small;"><span style="white-space: nowrap;"><span style="white-space: nowrap;"><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;">(317) 843-8450</span></span></span></span></a><span style="font-size: x-small;"><a href="https://mail.google.com/mail/u/0/?shva=1#" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 843-8450"><img src="data:image/png;base64,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" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 843-8450" /></a></span><span style="font-size: x-small;"><a href="https://mail.google.com/mail/u/0/?shva=1#SafeHtmlFilter_" style="border: currentColor; display: inline; float: none; height: 16px; margin: 0px; overflow: hidden; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 843-8450"><img style="border: currentColor; display: inline; float: none; height: 16px; margin: 0px; overflow: hidden; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 843-8450" /></a></span><span style="font-size: x-small;"><a href="https://mail.google.com/mail/u/0/?shva=1#SafeHtmlFilter_" style="border: currentColor; display: inline; float: none; height: 16px; margin: 0px; overflow: hidden; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 843-8450"><img style="border: currentColor; display: inline; float: none; height: 16px; margin: 0px; overflow: hidden; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: (317) 843-8450" /></a></span><br /><span style="font-size: x-small;">12401 Old Meridian Street<br />Carmel, IN 46032</span></span><br /><a href="http://www.soldbyavery.net/" target="_blank"><span style="background-color: white; color: #073763; font-size: x-small;">www.SoldByAvery.net</span></a></span></div>
<div>
<span style="color: #1f497d;"><a href="http://www.youtube.com/SoldByAvery" target="_blank"><span style="color: #073763;">www.youtube.com/SoldByAvery</span></a><span style="color: #073763; font-size: x-small;"></span></span></div>
<div>
<span style="color: #1f497d;"><a href="http://www.facebook.com/SoldByAvery" target="_blank"><span style="color: #073763; font-size: x-small;">www.facebook.com/SoldByAvery</span></a><span style="color: #366092;"></span></span></div>
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<em>Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;"><em>317-721-2274</em><a href="http://lindawestrealestate.com/5-inspection-problems-buyers-shouldnt-ignore/#" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 314.277.6982"><em><img src="data:image/png;base64,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" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 314.277.6982" /></em></a></span><em>, or <a href="mailto:SoldByAvery@gmail.com"><span style="color: #336699;">SoldByAvery@gmail.com</span></a>. </em><em>See Avery's reviews and search for a home at <a href="http://www.soldbyavery.net/"><span style="color: #336699;">www.SoldByAvery.net</span></a>. </em><br />
<em></em><br />
<em>Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond.</em>Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-55362962609266242522013-10-21T12:05:00.000-07:002013-10-21T12:10:32.743-07:00Tighter Market for Foreclosures<span style="color: #1591c9; font-family: HelveticaNeue-HeavyCond;"><span style="color: #1591c9; font-family: HelveticaNeue-HeavyCond;"><span style="color: black; font-family: HelveticaNeue-HeavyCond; font-size: x-small;">The Q3 2013 Foreclosure Report issued by MIBOR reveals that foreclosed homes made up 15 percent of all central Indiana closed sales in the third quarter of 2013. This is down from the 20.8 percent market share in the same quarter of 2012 and 20.9 percent in 2011. Foreclosure listings represent 11.3 percent of all listings in the third quarter of 2013.<br /><br /> The majority of foreclosures remain in the $120,000 and below price point. <br /> The median foreclosure sales price was up 5.2 percent to $66,300. In the third quarter of 2013, foreclosures yielded an average of 88.4 percent of list price while traditional sales yield 93.6 percent. <br /><br /> The last page of the report includes a breakdown of foreclosure inventory, closed sales and median sales prices by county.</span></span></span><br />
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<span style="font-size: x-small;">Check out the full report here: <a href="http://www.mibor.com/pdfs/MIBOR_FSS_2013-Q3.pdf">http://www.mibor.com/pdfs/MIBOR_FSS_2013-Q3.pdf</a></span><br />
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<em>Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;"><em>317-721-2274</em><a href="http://lindawestrealestate.com/5-inspection-problems-buyers-shouldnt-ignore/#" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 314.277.6982"><em><img src="data:image/png;base64,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" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 314.277.6982" /></em></a></span><em>, or <a href="mailto:SoldByAvery@gmail.com">SoldByAvery@gmail.com</a>. </em><em>See Avery's reviews and search for a home at <a href="http://www.soldbyavery.net/">www.SoldByAvery.net</a>. </em><br />
<em></em><br />
<em>Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond.</em><br />
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<br />Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-5438684317681332712013-10-19T11:53:00.000-07:002013-10-19T11:56:44.733-07:00Fall Checklist to Keep Your Home Looking Great!It’s hard to believe that fall is already upon us. Summer may be over, but now is not the time to neglect a home’s exterior, especially if it’s going to soon be listed for-sale this season. Here are a few tips to help you embrace the fall season and keep your property looking its best:<br />
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· The most obvious tip: rake up leaves on a frequent basis;<br />
· Inspect your gutters regularly and remove any leaves that get trapped;<br />
· Carry on weeding garden beds and walkways;<br />
· Remove all annual flowers that are no longer blooming and plants that are past their “best before” date. Dead vegetation gives the impression of a home not cared for;<br />
· If you’re experiencing a warm, dry fall in your area, you’ll still need to irrigate your lawn (according to local by-laws of course);<br />
· Fertilize your lawn before the ground freezes (unless you’re lucky enough to live in a year-round warm climate). This will give your grass a head start in the spring. However, check with your local garden center first to find out if this is the right course of action for your particular environment;<br />
· Readjust the timers on outdoor lighting displays since it now gets dark earlier;<br />
· Give your gardens some liveliness by planting fall flowers such as chrysanthemums. Choose a color that compliments the exterior of your home;<br />
· Redesign your urns and flowers pots – it’s time for a fall theme;<span id="more-3577"></span><br />
· Add some vignettes. Sometimes, it’s the little things that produce the most attention. My personal favorite for generating anticipation in potential buyers is to create a simple fall vignette on the porch. Pumpkins add a punch of color and provide a warm, welcoming look when blended with something interesting like a couple of antique lanterns, for example. Be careful not to add too many items to the vignette or it will appear too cluttered.<br />
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If there’s a swing or rocking chair on the porch, add cushions with a generous amount of orange in them to tie everything together. If you pay this much attention to the exterior of your home, buyers will be anxious to see what awaits them behind the front door. The photo above was taken at the side door of a property that was never used as an entry point. Be sure when creating your vignette that you don’t block access to the front door.<br />
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These are just a few things that will help keep the exterior of your home looking terrific right through to the next season: The dreaded winter. We won’t think about that right now though!<br />
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<em>Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;"><em>317-721-2274</em><a href="http://lindawestrealestate.com/5-inspection-problems-buyers-shouldnt-ignore/#" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 314.277.6982"><em><img src="data:image/png;base64,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" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 314.277.6982" /></em></a></span><em>, or <a href="mailto:SoldByAvery@gmail.com">SoldByAvery@gmail.com</a>. </em><em>See Avery's reviews and search for a home at <a href="http://www.soldbyavery.net/">www.SoldByAvery.net</a>. </em><br />
<em></em><br />
<em>Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond. </em><br />
<br />Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-32637246930162033682013-10-19T08:06:00.000-07:002013-10-19T11:56:51.526-07:005 Inspection Issues Buyers Shouldn't IgnoreHome buyers need to be extra vigilant about inspections in the early stages of a purchase because if problems are discovered too late in the process, it can “dash home owners’ dreams and budgets,” writes Yahoo! Finance in a recent article.<br />
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One home buyer in Long Island, N.Y., explains in the story that she didn’t discover the fixer-upper she bought needed $225,000 in repairs until after she purchased it.<br />
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Jonathan and Drew Scott, who educate viewers about transforming fixer-uppers on HGTV’s “Property Brothers,” offers up a checklist of five things buyers should look for to ensure they don’t buy a lemon.<br />
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<a href="http://www.blogger.com/" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a>
<li><b>Mold:</b> Buyers should note any musty smells in the home and be on the lookout for any mold. Mold can be caused by improper air circulation as well as water leaks.</li>
<li><b>Pests: </b>Termite damage can be widespread and costly to repair.</li>
<li><b>Outdated fixtures and wiring: </b>Electrical problems in a home can cause fire hazards. Buyers should take note of any indication of faulty wiring, such as cable coming out of drywall.</li>
<li><b>Poor DIY jobs: </b>Buyers should make sure that the previous home owner’s do-it-yourself projects were done correctly and are up to code. For example, poorly done flooring and painted-over wallpaper can be time-consuming and costly to fix.</li>
<li><b>Drainage problems:</b> Sloping sod can cause flooding problems in a backyard, and a slow-draining sink could be an indication of a bigger problem. Buyers should test sinks and flush toilets to test for any potential problems.</li>
</ul>
See the Video Here: <a href="http://finance.yahoo.com/video/dont-buy-house-without-checking-110000511.html">http://finance.yahoo.com/video/dont-buy-house-without-checking-110000511.html</a><br />
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<i>Source: REALTOR.org Magazine and “</i><a href="http://finance.yahoo.com/news/property-brothers--don’t-buy-a-house-without-checking-these-5-things-191659870.html" target="_blank"><i>Property Brothers: Don’t Buy a House Without Checking These 5 Things</i></a><i>,” Yahoo! Finance </i><br />
<em></em><br />
<em></em><br />
<em>Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;"><em>317-721-2274</em></span><em>, or <a href="mailto:SoldByAvery@gmail.com">SoldByAvery@gmail.com</a>. </em><em>See Avery's reviews and search for a home at <a href="http://www.soldbyavery.net/">www.SoldByAvery.net</a>. </em><br />
<em></em><br />
<em>Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond. </em>Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-84675299993136377552013-10-11T07:44:00.000-07:002013-10-19T11:56:59.324-07:00Home Staging Techniques That Work!<div class="separator" style="clear: both; text-align: center;">
<object class="BLOGGER-youtube-video" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0" data-thumbnail-src="http://img.youtube.com/vi/ZomelA6_s9g/0.jpg" height="266" width="320"><param name="movie" value="http://youtube.googleapis.com/v/ZomelA6_s9g&source=uds" /><param name="bgcolor" value="#FFFFFF" /><param name="allowFullScreen" value="true" /><embed width="320" height="266" src="http://youtube.googleapis.com/v/ZomelA6_s9g&source=uds" type="application/x-shockwave-flash" allowfullscreen="true"></embed></object></div>
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Compliments of Coldwell Banker and NBC, this video does a great job at pointing out affordable improvements you can make to your home to make it more appealing to home buyers! <br />
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<em>Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;"><em>317-721-2274</em></span><em>, or <a href="mailto:SoldByAvery@gmail.com">SoldByAvery@gmail.com</a>. </em><em>See Avery's reviews and search for a home at <a href="http://www.soldbyavery.net/">www.SoldByAvery.net</a>. </em><br />
<em></em><br />
<a href="http://www.blogger.com/" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><em>Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond. </em>Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0Carmel, IN 46032, USA39.9693 -86.16500239999999239.8719475 -86.32636389999999 40.0666525 -86.0036409tag:blogger.com,1999:blog-5611548405102558714.post-49964008099844487662013-10-05T13:55:00.002-07:002013-10-19T11:57:09.961-07:00NAR: What a Government Shutdown Means to Realtors and Housing<div align="LEFT">
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<b><span style="font-size: x-large;">What a Government Shutdown Means for REALTORS</span><span style="font-size: medium;">® </span></b><span style="font-size: medium;"></span><span style="font-family: Garamond,Garamond; font-size: medium;"><span style="font-family: Garamond,Garamond; font-size: medium;">(As of October 3, 2013) </span></span><br />
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<span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;">Congress has failed to approve a Continuing Resolution (CR) providing funding for most government operations. Therefore, spending authority for most of the government expired at midnight on September 30, 2013. Until legislation providing for funding is signed into law, many offices and programs of the federal government are now shut down. This means many, but not all, government programs, including some that impact federal housing and mortgage programs, have been suspended or slowed due to the lapse in government funding. The Office of Management and Budget (OMB) requires each agency to have contingency plans in place. The information below is based on NAR staff review of agency agency contingency plans for the current shutdown and past experience with previous shutdowns and near-shutdowns. </span></span><br />
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<b><span style="font-size: small;">Internal Revenue Service (IRS) <br />
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<span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;">The IRS is closed and has suspended the processing of all forms, including requests for tax return transcripts (Form 4506T). While FHA and VA do not require these transcripts, they are required by many lenders for many kinds of loans, including FHA and VA, so delays can be expected if the shutdown is protracted. We have received indications that many loan originators are adopting revised policies during the shutdown, such as allowing for processing and closings with income verification to follow, as long as the borrower has signed a Form 4506T requesting IRS tax transcripts. On loans requiring a Form 4506T Fannie Mae and Freddie Mac have also adopted relaxed provisions allowing closings but subject to tax transcript verification before the GSE’s purchase the loans. </span></span><b><span style="font-size: small;">Social Security Administration (SSA) </span></b><br />
<b><span style="font-size: small;">
</span></b><span style="font-size: small;"></span><span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;"></span></span><br />
<span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;">The Social Security Administration is closed and has suspended most customer service functions. According to the SSA Contingency Plan, verifying Social Security numbers through the Consent Based SSN Verification Service will also be suspended during the shutdown, a further complication for mortgage processing. As with IRS income verification, policies vary among lenders, with many choosing to exercise forbearance during the shutdown period subject to subsequent verification. Fannie Mae and Freddie Mac have also adopted policies to allow for closing subject to subsequent verification and before GSE purchase of the loan. <br />
</span></span><b><span style="font-size: small;"></span></b><br />
<b><span style="font-size: small;">Department of the Interior – Bureau of Indian Affairs (BIA) <br />
</span></b><span style="font-size: small;"></span><span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;"></span></span><br />
<span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;">BIA has announced that there will be no processing or recording of property transactions on Leased Indian Tribal Land during the government shutdown. <br />
</span></span><b><span style="font-size: small;"></span></b><br />
<b><span style="font-size: small;">Federal Housing Administration <br />
</span></b><span style="font-size: small;"></span><span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;"></span></span><br />
<span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;">HUD’s Contingency Plan states that FHA will endorse new loans in the Single Family Mortgage Loan Program, but it will not make new commitments in the Multi-family Program during the shutdown. FHA will maintain operational activities including paying claims and collecting premiums. Management & Marketing (M&M) Contractors managing the REO portfolio can continue to operate. You can expect some delays with FHA processing. <br />
</span></span><b><span style="font-size: small;"></span></b><br />
<b><span style="font-size: small;">VA Loan Guaranty Program <br />
</span></b><span style="font-size: small;"></span><span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;"></span></span><br />
<span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;">Lenders will continue to process and guaranty mortgages through the Loan Guaranty program in the event of a government shutdown. Expect some delays during the shutdown. <br />
</span></span><b><span style="font-size: small;"></span></b><br />
<b><span style="font-size: small;">Flood Insurance <br />
</span></b><span style="font-size: small;"></span><span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;"></span></span><br />
<span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;">The Federal Emergency Management Agency (FEMA) confirmed that the National Flood Insurance Program (NFIP) will not be impacted by a government shutdown, since NFIP is funded by premiums and not tax dollars. Changes to the flood insurance program scheduled to take effect on October 1 will be implemented as scheduled. </span></span><span style="font-family: Garamond,Garamond; font-size: medium;"><span style="font-family: Garamond,Garamond; font-size: medium;"></span></span><br />
<span style="font-family: Garamond,Garamond; font-size: medium;"><span style="font-family: Garamond,Garamond; font-size: medium;">
</span></span>
<b><span style="font-size: small;"></span></b><br />
<b><span style="font-size: small;">Rural Housing Programs <br />
</span></b><span style="font-size: small;"></span><span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;"></span></span><br />
<span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;">For the U.S. Department of Agriculture programs, essential personnel working during a shutdown do not include field office staff who typically issue conditional commitments, loan note guarantees, and modification approvals. Thus, lenders will not receive approvals during the shutdown. If the lender has already received a conditional commitment from the Rural Development office, then the lender may proceed to close those loans during the shutdown. A conditional commitment, which is good for 90 days, is given to a lender once a USDA Underwriter approves the loan. If a commitment was already issued, the funds were already set aside and the lender may close the loan at its leisure. If Rural Development has not issued a conditional commitment, the lender must wait until funding legislation is enacted before closing a loan. <br />
<br />
It is important to note that the traditional definition of "rural" for qualifying communities for assistance will be continued in effect during the shutdown. We expect that language to continue the current definition will be included in whatever funding measure is eventually enacted. <br />
</span></span><b><span style="font-size: small;"></span></b><br />
<b><span style="font-size: small;">Government Sponsored Enterprises <br />
</span></b><span style="font-size: small;"></span><span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;"></span></span><br />
<span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;">Fannie Mae and Freddie Mac will continue operating normally, as will their regulator, the Federal Housing Finance Agency, since they are not reliant on appropriated funds. <br />
</span></span><b><span style="font-size: small;"></span></b><br />
<b><span style="font-size: small;">Treasury <br />
</span></b><span style="font-size: small;"></span><span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;"></span></span><br />
<span style="font-family: Garamond,Garamond; font-size: small;"><span style="font-family: Garamond,Garamond; font-size: small;">The Making Home Affordable program, including HAMP and HAFA, will not be affected as the program is funded through the Emergency Economic Stabilization Act which is mandatory spending not discretionary. </span></span><br />
<span style="font-family: Garamond;"></span><br />
<em>Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;"><em>317-721-2274</em></span><em>, or <a href="mailto:SoldByAvery@gmail.com">SoldByAvery@gmail.com</a>. </em><em>See Avery's reviews and search for a home at <a href="http://www.soldbyavery.net/">www.SoldByAvery.net</a>. </em><br />
<em></em><br />
<a href="http://www.blogger.com/" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><em>Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond. </em>Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-83312732393147521152013-10-02T13:24:00.000-07:002013-10-19T11:57:20.220-07:00Government Shutdown Effects on Home Loans<br />
<div align="center" class="MsoNormal" style="margin: 0in 0in 10pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-family: Calibri;">Government Shutdown Effect on Housing</span></u></b></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 10pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">Q: How will the
government shutdown affect FHA/VA/USDA appraisals? <o:p></o:p></span></b></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 10pt;">
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</w:wrap></v:imagedata></span></v:shape><span style="font-family: Calibri;">A: If you sell a home
and write a contract for a government buyer (FHA/VA/USDA), we should be able to
order your case numbers and appraisals so this should not affect your
transaction.<o:p></o:p></span></div>
<br />
<div class="MsoPlainText" style="margin: 0in 0in 0pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">Q: Will the
government shutdown affect the processing or closing of FHA-insured loans?<o:p></o:p></span></b></div>
<br />
<br />
<div class="MsoPlainText" style="margin: 0in 0in 0pt;">
<span style="font-family: Calibri;">A: FHA will have limited staff during a shutdown and the
processing or closing FHA –insured loans may be delayed. All FHA
underwriting and processing requirements remain in force during the government
shutdown and no loan may proceed that cannot fulfill those requirements.</span></div>
<br />
<div class="MsoPlainText" style="margin: 0in 0in 0pt;">
<o:p><span style="font-family: Calibri;"> </span></o:p></div>
<div class="MsoPlainText" style="margin: 0in 0in 0pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">Q: Can a lender
obtain a new FHA case number?<o:p></o:p></span></b></div>
<br />
<br />
<div class="MsoPlainText" style="margin: 0in 0in 0pt;">
<span style="font-family: Calibri;">A: Yes. Lenders will be able to obtain a FHA case number
from the FHA Connection. <o:p></o:p></span></div>
<br />
<div class="MsoPlainText" style="margin: 0in 0in 0pt;">
<span style="font-family: Calibri;">Please note that all FHA underwriting and processing
requirements would remain in force on loans originated during the government
shutdown regardless of system limitations during the shutdown period. <o:p></o:p></span></div>
<br />
<br />
<div class="MsoNormal" style="margin: 0in 0in 10pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">Q: Will tax
transcripts be affected?<o:p></o:p></span></b></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 10pt;">
<span style="font-family: Calibri;">A: All lenders require tax transcripts be processed by the
IRS and are required prior to closing all loans. So, your transaction
could be held up waiting for the IRS to process the transcripts once they are
back up and running.</span></div>
<br />
<div class="MsoPlainText" style="margin: 0in 0in 0pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">Q: Will Credit
Alert Interactive Voice Response System (CAIVRS) be available? <o:p></o:p></span></b></div>
<br />
<br />
<div class="MsoPlainText" style="margin: 0in 0in 0pt;">
<span style="font-family: Calibri;">A: Yes. CAIVRS will be available to determine if a
borrower has a delinquent federal debt. <o:p></o:p></span></div>
<br />
<br />
<div class="MsoPlainText" style="margin: 0in 0in 0pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">Q: Will VA and
conventional financing be impacted by the shutdown?<o:p></o:p></span></b></div>
<br />
<div class="MsoPlainText" style="margin: 0in 0in 0pt;">
<o:p><span style="font-family: Calibri;"> </span></o:p></div>
<div class="MsoPlainText" style="margin: 0in 0in 0pt;">
<span style="font-family: Calibri;">A:<span style="mso-spacerun: yes;"> </span>At this time
the only impact on both VA and conventional financing is the inability to
obtain tax <o:p></o:p></span></div>
<br />
<div class="MsoPlainText" style="margin: 0in 0in 0pt;">
<span style="font-family: Calibri;">transcripts. <o:p></o:p></span></div>
<br />
<div class="MsoPlainText" style="margin: 0in 0in 0pt;">
<o:p><span style="font-family: Calibri;"> </span></o:p></div>
<div class="MsoPlainText" style="margin: 0in 0in 0pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;">*USDA UPDATES</span></b></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 10pt;">
<i style="mso-bidi-font-style: normal;"><span style="font-family: Calibri;">The government shutdown and USDA being out of money are two totally
different issues! The fact that USDA is out of money happens each year and
lenders are normally able to fund loans as long as long as they have a
conditions commitment issued by USDA.<o:p></o:p></span></i></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 10pt;">
<i style="mso-bidi-font-style: normal;"><span style="font-family: Calibri;">Loans in process will
be submitted to USDA as usual, but the review of the files will be backed up
depending on when the USDA employees are back to work. Loans that have already
been submitted and approved by USDA, will be able to be closed as normal. Loans
that have already been submitted to USDA, but have not yet been approved, will
not be able to.</span></i><br />
<i style="mso-bidi-font-style: normal;"><span style="font-family: Calibri;"></span></i><br />
<i style="mso-bidi-font-style: normal;"><span style="font-family: Calibri;"></span></i><br />
<i style="mso-bidi-font-style: normal;"><span style="font-family: Calibri;"><em>Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;"><em>317-721-2274</em></span><em>, or <a href="mailto:SoldByAvery@gmail.com">SoldByAvery@gmail.com</a>. </em><em>See Avery's reviews and search for a home at <a href="http://www.soldbyavery.net/">www.SoldByAvery.net</a>. </em><br />
<em></em><br />
<a href="http://www.blogger.com/" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><em>Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond. </em><br />
<o:p></o:p></span></i></div>
Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-30210779130813699492013-09-24T11:17:00.002-07:002013-10-19T11:57:38.871-07:00August 2013 IAR Monthly Housing Report<div style="clear: right; font-family: arial,helvetica,sans-serif; font-size: 12px; line-height: 200%;">
(INDIANAPOLIS, IN) - The number of existing, single-family homes sold last month statewide increased 13 percent when compared with August 2012. The median sale price of those 7,566 homes is $125,000 – a 2.9 percent increase from the same month of last year. This is according to the monthly Indiana Real Estate Markets Report today released by the state's REALTORS®.</div>
<div style="clear: right; font-family: arial,helvetica,sans-serif; font-size: 12px; line-height: 200%;">
Other year-over-year, statewide comparisons from the report show - </div>
<ul style="font-family: arial,helvetica,sans-serif; font-size: 12px; text-align: left;">
<li style="font-family: arial,helvetica,sans-serif; font-size: 12px; margin: 7px;">The average sale price of homes increased 3 percent to $150,728</li>
<li style="font-family: arial,helvetica,sans-serif; font-size: 12px; margin: 7px;">The percent of original list price received increased 2.3 percent to 92.7 percent</li>
<li style="font-family: arial,helvetica,sans-serif; font-size: 12px; margin: 7px;">The number of pending home sales increased 6.9 percent to 6,573</li>
<li style="font-family: arial,helvetica,sans-serif; font-size: 12px; margin: 7px;">The number of new listings increased 12.4 percent to 11,045</li>
</ul>
<div style="clear: right; font-family: arial,helvetica,sans-serif; font-size: 12px; line-height: 200%;">
August 2013 was the 26th consecutive month of year-over-year gains in the number of closed home sales, and marked these other consecutive year-over-year gains –</div>
<ul style="font-family: arial,helvetica,sans-serif; font-size: 12px; text-align: left;">
<li style="font-family: arial,helvetica,sans-serif; font-size: 12px; margin: 7px;">The median sale price of homes has increased for 21 months</li>
<li style="font-family: arial,helvetica,sans-serif; font-size: 12px; margin: 7px;">The average sale price has increased for 20 months</li>
<li style="font-family: arial,helvetica,sans-serif; font-size: 12px; margin: 7px;">Sellers received a greater share of their original list price for the 18th month</li>
<li style="font-family: arial,helvetica,sans-serif; font-size: 12px; margin: 7px;">The number of pending home sales has increased for 23 months</li>
</ul>
<div style="clear: right; font-family: arial,helvetica,sans-serif; font-size: 12px; line-height: 200%;">
"The traditional summer selling season ended on a high note in Indiana," said Kevin Kirkpatrick, 2013 President of the Indiana Association of REALTORS®. "The idea that mortgage rates may rise further is likely spurring some of the demand we are now seeing in early September. With the limited inventory we have, buyers should be prepared to first submit their most competitive offers.</div>
<div style="clear: right; font-family: arial,helvetica,sans-serif; font-size: 12px; line-height: 200%;">
"Whether housing continues to be a bright spot in the nation's economy depends on real employment and wage growth, as well as consumer sentiment, which can be swayed by rising gas prices, stock market shifts and global economic happenings," Kirkpatrick concluded.<br />
<br />
<em>Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;"><em>317-721-2274</em></span><em>, or <a href="mailto:SoldByAvery@gmail.com">SoldByAvery@gmail.com</a>. </em><em>See Avery's reviews and search for a home at <a href="http://www.soldbyavery.net/">www.SoldByAvery.net</a>. </em><br />
<em></em><br />
<a href="http://www.blogger.com/" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><em>Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond. </em></div>
Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-44925503074704953432013-09-19T09:22:00.000-07:002013-10-19T11:57:53.695-07:00Zestimate, Schmestimate!<br />
<strong>What is Zestimate?<o:p></o:p></strong><br />
<br />
<o:p> </o:p><br />
<br />
Zestimate is Zillow.com's "proprietary" home valuation tool. It
appears in your home’s page on Zillow.com, whether it is for sale or not.<o:p></o:p><br />
<br />
<o:p> </o:p><br />
<br />
<strong>How is my Zestimate Calculated?<o:p></o:p></strong><br />
<br />
<o:p> </o:p><br />
<br />
Zestimate values are calculated from county tax documents, which are public
record. Essentially they are your county’s tax assessment of your home.<o:p></o:p><br />
<br />
<o:p> </o:p><br />
<br />
<strong>Is Zestimate what my Home is Worth?<o:p></o:p></strong><br />
<br />
<o:p> </o:p><br />
<br />
NO! Your home’s worth is equal to the most someone is willing to pay for it!
Market conditions dictate that. For instance, right now home inventory is low
in the Indianapolis area, meaning there are fewer homes available relative to
home-buyers searching. This means if your home is desirable, more people are
going to want it, and of course, value goes up! It’s all about supply and
demand. <o:p></o:p><br />
<br />
<o:p> </o:p><br />
<br />
<strong>Should I have my Home Re-Assessed to Raise Zestimate?<o:p></o:p></strong><br />
<br />
<o:p> </o:p><br />
<br />
NO! All you will do is raise the property taxes you are paying currently,
and what the eventual buyer will have to pay. Taxes are included in mortgage
payments. An increase in taxes mean an increase in payment. An increase in
payment means higher debt-to-income ratios, meaning less people will be able to
get a loan on your home! No bueno! <o:p></o:p><br />
<br />
<o:p> </o:p><br />
<br />
<strong>How can I get a Fair Market Value of my Home?<o:p></o:p></strong><br />
<br />
<o:p> </o:p><br />
<br />
Contact me, or another Realtor! We work in this market every day. We know
what it is doing, what other homes have been going for, and can base our
valuation off of market trends in your specific neighborhood. Pricing a home is
as much of an art as it is a science. We consider numbers, and trends, but
often times it is more of a feeling, or an instinct. <br />
<br />
<em>Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;"><em>317-721-2274</em></span><em>, or <a href="mailto:SoldByAvery@gmail.com">SoldByAvery@gmail.com</a>. </em><em>See Avery's reviews and search for a home at <a href="http://www.soldbyavery.net/">www.SoldByAvery.net</a>. </em><br />
<em></em><br />
<a href="http://www.blogger.com/" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><em>Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond. </em><br />
<o:p></o:p><br />Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-1383126487042980822013-09-15T06:47:00.001-07:002013-10-19T11:58:00.984-07:00For Sale By Owner<strong>If you want something done right, you have to do it yourself.</strong> <br />
<br />
I believe that myself. Especially today. Google has made us all a lot smarter. With a few simple searches you can get information on any subject. There are how-to guides, DIY youtube videos. I'm a pretty smart guy. If I can find this expert advise online, I can learn how to do it myself, and save myself the money a so-called expert will charge.<br />
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I'm going to tell you about two of my past experiences doing it myself, and explain how that relates to the FSBO process.<br />
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<strong>Filing my Own Taxes</strong><br />
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If you check my resume, I have a Bachelor's Degree in Financial Management. Any self-respecting human with this degree would be shamed to have someone else do their taxes, right?<br />
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That's what I thought. I decided to do my own taxes. I did the research, printed out the forms, filled in the paperwork, sent in the proof, and mailed all this to the IRS. <br />
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Putting that envelope in the mail, I felt pretty good about myself. I puffed my chest out, thought about the money I saved, and remember thinking, "Who needs an Accountant?"<br />
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A few weeks go by, I'm back at the mailbox, and get a letter from the IRS. I open it expecting a confirmation letter saying they received my documents. No! They received my documents, but there was a certain way some of the exemptions I claimed needed to be worded, and I ended up owing a lot more than I expected.<br />
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So, I caved, took the letter and what I filed to an accountant, he fixed it, and lowered my tax bill substantially. His service charge was definitely worth more than what I owed.<br />
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<strong>Representing Myself in Court</strong><br />
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So, a few years back I got my driver's license suspended. I was driving a rental car on business, got a speeding ticket while driving it, and the insurance I had at the time wouldn't send in proof to the state, leading to a suspended license.<br />
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So I started doing research online, and found out that I would qualify for a hardship license. I contacted an attorney, and they would charge me about $1,000! I thought that was crazy!<br />
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It seemed like a simple process, so I decided to do it myself. I again did the research, constructed the court documents, filed them at the courthouse, and scheduled the hearing.<br />
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At the hearing, I explained what happened, told the judge I need my license for work, and risked losing my job if I lost my license. Should have been an open and shut case. <br />
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However, it seems there were a few different Indiana Law Codes you can petition the court under for this, and of course I picked the wrong one, and they denied my case. <br />
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So again, I walked back to the attorney's office with my tail tucked between my legs, and paid him to represent me. He did, got it done for me, and got my license back.<br />
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<strong>Expert are Experts for a Reason</strong><br />
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There is a certain level of expertise people gain from doing the same thing over and over again on a daily basis. Think about the job you do. When you started it, you didn't know all the ins and outs, but as you kept doing it, you encountered different situations that arose, and figured them out. As time went by, you were ready for almost anything.<br />
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The same thing is true in real estate. Good Realtors buy and sell homes everyday for other people. We learn what to look for, what can make a deal go south, how to make the most out of a deal. We know the ins and outs. We know how to handle inspection responses, what turns buyers on and off, what upgrades are worth it, and what upgrades aren't. We can save and make you a lot of money.<br />
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The fact is that about 85% of FSBO's end up listing with a Realtor, and most that do sell their homes themselves, sell it for a lot less then they would have gotten with a Realtor. I have worked with a few sellers that tried to FSBO before listing with me. One had their home reassessed by the tax appraiser in hopes of getting the Zestimate of their home value on Zillow increased. This did nothing but raise their tax bill on their home, and eliminate buyers who would have otherwise been qualified due to PMI ratios of payments. Another had spent thousands of dollars on upgrades that did next to nothing to increase the value of the home.<br />
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Many times I have been able to sell my past FSBO clients' homes for a lot more then what they had it priced as a FSBO, which paid for the commission, and left them with more profit, even with paying extra commission.<br />
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Just like my examples above, even though the experts charged a lot of money, it ended up being worth it based on what they saved me in time, money, and hassle.<br />
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<em>Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;"><em>317-721-2274</em></span><em>, or <a href="mailto:SoldByAvery@gmail.com">SoldByAvery@gmail.com</a>. </em><em>See Avery's reviews and search for a home at <a href="http://www.soldbyavery.net/">www.SoldByAvery.net</a>. </em><br />
<em></em><br />
<a href="http://www.blogger.com/" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><em>Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond. </em>Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0tag:blogger.com,1999:blog-5611548405102558714.post-67890183850077841852013-09-12T09:54:00.000-07:002013-10-19T11:58:06.931-07:003 Reasons to Buy a Home Now!<br />
<b>1. Prices Will Continue to Rise</b><b><br /></b><br />
The Home Price Expectation Survey polls a distinguished panel of over 100 economists, investment strategists, and housing market analysts. Their most recent report released last week projects appreciation in home values over the next five years to be between 12.3% (most pessimistic) and 32.8% (most optimistic).<br />
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The bottom in home prices has come and gone. Home values will continue to appreciate for years. Waiting no longer makes any sense.<br />
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<b>2. Mortgage Interest Rates Are Increasing</b><br />
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As reported by <i>Freddie Mac</i>, interest rates for 30-year fixed-rate mortgages have risen about one full percentage point over recent historic lows.<br />
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The <i>National Association of Realtors</i>, the Mortgage Bankers Association, Freddie Mac and Fannie Mae, in their July forecasts, have all projected 30-year-fixed mortgage <b>interest rates to be between 4.8 and 5.1%</b> by this time next year.<br />
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An increase in rates will impact YOUR monthly mortgage payment. Whether you are moving up or moving down, your housing expense will be more a year from now if a mortgage is necessary to purchase your next home.<br />
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<b>3. It’s Time to Move On with Your Life</b><br />
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The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears that both are on the rise. But, what if they weren’t? Would you wait?<br />
Look at the actual reason you are buying and decide whether it is worth waiting. Whether you want to have a great place for your children to grow up, you want your family to be safer or you just want to have control over renovations, maybe it is time to buy.<br />
If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings.<br />
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<em>Avery Garrett is a top Indianapolis Realtor serving the Indianapolis Metropolitan area from Coldwell Banker Kaiser. Avery is Zillow.com Premium 5 Star Agent, and is a Member of the Metroplitan Indianapolis Board of Realtors. Contact Avery for a complimentary, no obligation, Market Analysis of your home at </em><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;"><em>317-721-2274</em></span><em>, or <a href="mailto:SoldByAvery@gmail.com">SoldByAvery@gmail.com</a>. </em><em>See Avery's reviews and search for a home at <a href="http://www.soldbyavery.net/">www.SoldByAvery.net</a>. </em><br />
<em></em><br />
<a href="http://www.blogger.com/" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><em>Avery is proud to help home sellers and home buyers in the following communities: Carmel, Fishers, Noblesville, Westfield, Cicero, Sheridan, Lebanon, Zionsville, Brownsburg, Avon, Danville, Plainfield, Mooresville, Camby, Greenwood, Bargersville, Martinsville, Franklin, Shelbyville, Southport, Beech Grove, New Palestine, Greenfield, Lawrence, Greensburg, Nashville and beyond. </em>Anonymoushttp://www.blogger.com/profile/10659429246797717334noreply@blogger.com0