CincinnatiInPhotos.com

Apartment Specials

I have been helping a lot of folks that are underwater with their mortgage. What happens is they have been laid off from their job, can't get work and fall three, four and five months behind with their mortgage. The bank wants their money or they threaten to take the house back through foreclosure proceedings.

Here is where my expertise comes in. I will list their home, sell it to a buyer within a couple of weeks and the company I partner with, Loss Reductions Associates, LLC will then negotiate a short payoff. That is where the bank will accept less than what is owed and forgive the rest.

 

   

These folks will then need to find someplace to live for a while and move.

This character is advertising the apartments at McCaulley Crossings apartments. They are offering specials as low as $99.00 first months rent to get you to sign up. However, you may want to do some investigation before you sign up. Some of the reviews are not all that good.

Of course if you can purchase a home that is the best recommendation I can offer. If you are one of the unfortunates that suffered through a short sale and need to rent then do your investigation.

God Bless You and pray for all of our troops to come home safe and for our Country leaders to make the right choices to help us get through this turmoil.

Did you know I have my license in both states, Ohio & Kentucky?...So Please call me if you need help around the house or maybe to buy a new home. I will gladly say THANK YOU! Gary Rossignol, the Realtor with integrity. 513-777-2402 email Gary@GaryRossignol.com.

Also, My Video Newsletter is loaded with up to date Real Estate News and Advice. Some of its features include: Current Interest Rates, National Real Estate News, Mortgage Advice, Question & Answers. Plus much more. It is "real time" and changes each week.

igations first.

 

Where's Goober Pyle?

This is Friday and Fridays are for fun. How fun is this?

Village Lube in Newtown. I titled this photo "Mayberry Newtown".

Have a nice weekend.

God Bless You and pray for all of our troops to come home safe and for our Country leaders to make the right choices to help us get through this turmoil.

Did you know I have my license in both states, Ohio & Kentucky?...So Please call me if you need help around the house or maybe to buy a new home. I will gladly say THANK YOU! Gary Rossignol, the Realtor with integrity. 513-777-2402 email Gary@GaryRossignol.com.

Also, My Video Newsletter is loaded with up to date Real Estate News and Advice. Some of its features include: Current Interest Rates, National Real Estate News, Mortgage Advice, Question & Answers. Plus much more. It is "real time" and changes each week.

New equipment can be a challenge

My Cannon Power Shot S60 point and shoot camera died. It was 4 years old. Time for newer technology. The one benefit of the S60 was that it came with a 28 mm wide angle lens. I hate to look at house photos on the MLS (Multiple Listing Service) and all they can fit into the photo is part of a wall and a chair. That is because the photographer (usually the listing agent) is using a standard 40 mm lens.

I searched and researched and found a terrific camera with all the latest stuff. A Panasonic DMC-ZS3. This camera is a 10 mega pixel, 25 - 300 mm wide angle to 12x optical zoom. The real cool thing about this camera is it records HD movies in stereo with an active zoom. This is tremendous for a very small hand held point and shoot. It is so automatic there are very few self settings available. It does everything automatically. And it does it well too.

I call this photo "Fresh Picked Peppers" That is what they are right out of my garden. Boy are they hot. Jalapeno, Habenero, Holy Moley, Cayenne, little Hot Chilies and Hot banana. I love it spicy and hot.

This camera can fit an entire room into a small photo. Watch for my next listing and see how much of a room will fit into my photos.

It's not just about how much content you can fit into a photo, but the lighting and staging has everything to do with a pleasing photo. This basket of peppers is a very pleasing photo. Don't you think it could be framed and hung on the kitchen wall somewhere? I did not use the flash. This is all natural. Nice mixture of colors and different shapes filling the basket just so.

Here is my segway back to a real estate topic... I like my real estate hot too. And the market is really heating up. I am now working with a full complement of buyers. From first timers planing to take advantage of the $8,000 tax credit to investors who are looking to take advantage of the buyers market and wholesale a few handyman special rehab style homes for some quick cash.

There is a deal out there for everyone. You need to know where to look and that is where my expertise comes in. I know where to find them. If they are out there I will find them.

God Bless You and pray for all of our troops to come home safe and for our Country leaders to make the right choices to help us get through this turmoil.

Did you know I have my license in both states, Ohio & Kentucky?...So Please call me if you need help around the house or maybe to buy a new home. I will gladly say THANK YOU! Gary Rossignol, the Realtor with integrity. 513-777-2402 email Gary@GaryRossignol.com.

Also, My Video Newsletter is loaded with up to date Real Estate News and Advice. Some of its features include: Current Interest Rates, National Real Estate News, Mortgage Advice, Question & Answers. Plus much more. It is "real time" and changes each week.

Congratulations Kelli

I met Kelli two years ago. Owning a home was but a far reaching lofty dream for her. I suggested she at least talk to a mortgage lender and see what she would qualify for. She did and was quite surprised.

We looked at several homes and she fell in love with this home in Norwood and bought it. This turned out to be the longest pending sale of my career.

As it turned out the mortgage lending qualifications changed drastically in October 2008 and many including Kelli were caught in a catch 22. Her credit scores didn't meet the new minimum requirement just before the closing was to happen.

Kelli was lucky. She was working with understanding, motivated sellers willing to work things out with her. So they let her move into the house as a tenant until she was able to obtain financing.

A couple of months turned into almost an eternity to Kelli. In fact she was ready to give up several times. I had to assure her things were going to work out. I needed some magic about now.

Kelli was a hard worker, responsible, caring and very honest. She also was a very good trumpet player in her spare time. That is where I met her. She sat in with a few members of the West Chester Symphony Orchestra in a small dixieland ensemble for our fundraiser two years ago.

What I did was refer Kelli to Joe Frey of The Credit Store dba TR & Associates Credit Services. Joe is not a fly by night credit fixing ripoff. He is licensed with the State of Ohio Division of Consumer Finance. He will actually find discrepancies on your credit report and take the necessary measures to get the items corrected. Then follow through until your credit scores are at an acceptable number. He took Kelli from 548 to 600 in less than two months. The lender was then able to finance her with a straight FHA loan. Seller had agreed to pay up to 3% in closing costs so we were able to close on this last Friday September 11, 2009. Only a year and a month after the original closing date was negotiated.

Kelli is one happy lady. And I learned a great deal through this ordeal. I'm very glad I joined Tri-State Business Network. That is where I met Joe. And he is a miracle worker to Kelli and in my humble opinion also.

God Bless You and pray for all of our troops to come home safe and for our Country leaders to make the right choices to help us get through this turmoil.

Did you know I have my license in both states, Ohio & Kentucky?...So Please call me if you need help around the house or maybe to buy a new home. I will gladly say THANK YOU! Gary Rossignol, the Realtor with integrity. 513-777-2402 email Gary@GaryRossignol.com.

Also, My Video Newsletter is loaded with up to date Real Estate News and Advice. Some of its features include: Current Interest Rates, National Real Estate News, Mortgage Advice, Question & Answers. Plus much more. It is "real time" and changes each week.

Sunday's Church

When growing up I had a very close friend. We practically did everything together through grade school at St Michael's. We ended up going to the same high school together (Moeller High School). He went on to college at Miami University majoring in music and I went on the road playing professional music.

My best friend Rick Hagee and I played music through high school together. Rick, Ted Donohoue and I put together the now very famous classic Rock-N-Roll band BlueStone Ivory. Ted & I are still playing together in this band.

Rick Hagee on the other hand is the music director at Good Shepherd Catholic Church located on East Kemper Road between Montgomery and Loveland Ohio. I would like to feature this church in my Sunday's Church post this week.

This is a very modern brick and concrete building. The parish was founded in 1973 with a 177 families and masses were held in the chapel at the Gate of Heaven Cemetery until 1977. In 1990 the parish has grown to over 3,000 families after they doubled the size of the church in 1986. In 2002 the 2nd addition was added to accommodate over 4,000 families.

This is a very busy parish that reaches out to anyone who is interested in worshiping with them. I am certain that the music is absolutely the best you will find ...except for my parish St Michael's in Sharonville of course.

If you do ever visit Good Shepherd for services and happen to see Rick Hagee tell him Gary Rossignol says HI! We don't get to see each other much any more. As many high school freindships do, we have grown apart. Although I am blessed with my very large close family and many dear and a several best freinds, I do miss my old friends from high school days.

God Bless You and pray for all of our troops to come home safe and for our Country leaders to make the right choices to help us get through this turmoil.

Did you know I have my license in both states, Ohio & Kentucky?...So Please call me if you need help around the house or maybe to buy a new home. I will gladly say THANK YOU! Gary Rossignol, the Realtor with integrity. 513-777-2402 email Gary@GaryRossignol.com.

Also, My Video Newsletter is loaded with up to date Real Estate News and Advice. Some of its features include: Current Interest Rates, National Real Estate News, Mortgage Advice, Question & Answers. Plus much more. It is "real time" and changes each week.

Train lovers

I had a client that was a train enthusiast. He had a huge working model train set in his basement and his main request to purchasing a home that was near a railroad track. It seemed a strange request but if that is what he wanted we aimed to please.

This isn't the exact train track he bought on...however when I am stopped at a train tracks I usually think about this client that wanted to be live on the railroad tracks. I suppose many people have admiration's about where they want to live.

A lot of buyers are interested in living downtown Cincinnati. There are many condo and townhouse projects continuing to grow in and around the downtown area. There is a lot to be said for living downtown especially if you work downtown.

There are many incentives going on for those who choose to buy downtown. Tax abatement's which means your taxes could be less than half regular rates for up to 10 years. That could save you hundreds of dollars per year. Not needing a car will save you that expense. The car payment, fuel, parking, insurance. That in itself can be a small fortune.

So, if you are a first time buyer there is still time to take advantage of the $8,000.00 tax deduction stimulus program. As long as you close on or before November 30, 2009 and are a first time buyer (not having your name on a home title for a period of 3 years) then you will qualify.

For more information about the first time buyer program or if you would like to buy a home on or near a railroad track call me. I would be happy to assist you.

God Bless You and pray for all of our troops to come home safe and for our Country leaders to make the right choices to help us get through this turmoil.

Did you know I have my license in both states, Ohio & Kentucky?...So Please call me if you need help around the house or maybe to buy a new home. I will gladly say THANK YOU! Gary Rossignol, the Realtor with integrity. 513-777-2402 email Gary@GaryRossignol.com.

Also, My Video Newsletter is loaded with up to date Real Estate News and Advice. Some of its features include: Current Interest Rates, National Real Estate News, Mortgage Advice, Question & Answers. Plus much more. It is "real time" and changes each week.

Let's celebrate with Ice Cream

Wednesday nights after the church meeting I attend several of us like to enjoy a dip of the best ice cream in town. Graeter's is the best in my humble opinion. Many others feel the same. That is why their latest store in Deerfield Township is always crowded.

We usually sit around and talk about current affairs and compare what each of us ordered and have in our dish or cone. My favorite is Peanut butter Chip.

Being a Realtor usually brings the discussion to the condition of the market and I am always asked "How's business?"

I have to respond honestly and positively. That is all I know and all I can share. To be honest...the market is getting better. First time buyers have a tremendous advantage right now. Within the next 6 - 8 weeks, most sellers on the market should be willing to negotiate and if the first time buyer can time the closing before December 1st, 2009 they will qualify for the $8,000 tax benefit.

This is free money. I've have often said there is no free lunch. I've also often said "if it seems to good to be true...it probably is". Well, this time I have to admit this is true and it is free for the asking. IF YOU QUALIFY!

I will say that again...IF YOU QUALIFY!

To qualify you must not have had title to any real estate for the past 36 months and close on the purchase of your next home before midnight of Monday November 30, 2009. You have had most of the year to do this. Now it is down to the final 90 days. It is very possible if you get started now.

I suggest you contact your real estate professional. Someone like me. If you don't have anyone you know and trust then by all means call me. Mary Jo and I are here for you. Always.

We would love to celebrate the purchase of your new home with a big dip of Graeters Ice Cream.

God Bless You and pray for all of our troops to come home safe and for our Country leaders to make the right choices to help us get through this turmoil.

Did you know I have my license in both states, Ohio & Kentucky?...So Please call me if you need help around the house or maybe to buy a new home. I will gladly say THANK YOU! Gary Rossignol, the Realtor with integrity. 513-777-2402 email Gary@GaryRossignol.com.

Also, My Video Newsletter is loaded with up to date Real Estate News and Advice. Some of its features include: Current Interest Rates, National Real Estate News, Mortgage Advice, Question & Answers. Plus much more. It is "real time" and changes each week.