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Friday's are for fun

It's Friday and also the Eve of Halloween. Here are a few fun things to share for Halloween.

 

 

 

 

 

 

 

These are some neighborhood Halloween decorations. To put you in the holiday spirit.

Please be safe and watch out for those little ghosts and goblins. Make sure they are trick or treating safely.

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 Ms. Johnson

Ms. Johnson is one happy lady today. The weight is off her shoulders.

I met Ms. Johnson in mid July of 2009. She came to me with a problem. This home that had been in her family for over 85 years had just became too much for her to take care of any longer. The box gutters and soffits had serious damage due to wood rot. To the extent that she couldn't live in the home any longer. She had moved out over a year ago but still had the mortgage looming down over her. She hadn't been able to make a payment for almost 24 months and was facing foreclosure.

I was able to step in, list her home considering all the work the home needed priced it at $45,000.00 and sold it within 10 days for full price.

The big mistake I made was to let another agent insist on their buyer using the FHA 203K loan. That is an FHA loan the allows the buyer to purchase a distressed property, borrowing the initial financing for the home and the additional funds for the rehab. The limits on an FHA 203K loan is $30,000 above the cost of the home. The paperwork is intense and the risk is very high do to government rules and regulations and the constant changes in todays unsettled market.

It was quite the venture for Mary Jo, Me and LRA, LLC who does all the negotiations for me with the banks. However we stayed with it holding on to the faith that this was the right thing to do.

Everyone hung in there and finally at 3:00 PM yesterday we were at the closing table and everyone left happy. It took exactly two and a half months to negotiate the short sale with this lender.

Yet another notch in my record for saving someone from the horrors of foreclosure.

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.

Seasons change

 
This is a beautiful picture of the Little Miami River. I just took this photo two days ago. By now more leaves have changed color and soon they will all be off the trees leaving bare branches throughout the winter months.

Along with the leaves changing color it is getting dark earlier. That makes it difficult to show property. Many buyers plan to do their looking after work. That is usually sometime after 5:00 or 6:00 PM. It is pitch dark by 7:15 these days. That leaves very little time to view homes in daylight hours.

I suggest make plans and try to work in a vacation day or work late for a couple of days and try to get off early at least once a week. That will give yourself time to spend leisurely with out rushing through. You will be able to pay attention to more detail that way. Your time investment is very important in this stage of the home purchase.

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

 This Sunday I would like to highlight a special church. This is called the field mass and was celebrated by St Michael Church in Sharonville at Gower Park in the picnic grounds last Saturday October 3rd, 2009.

St Michael celebrates their 90th year anniversary this year and the outdoors mass in the woods is just one of the many special functions they held to bring the congregation together in a very special way. They brought out a portable alter, set up a sound system and staked off the center ilse.

Mass began at 4:00 pm and the congregation finished with a good ole fashion picnic directly after. They had over 400 people in attendance. The music was beautiful with Brian & Paul on guitars and the "Singing Mom's".

 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.

Buyers time is running out for the tax credit.

The American dream is right around the corner for many buyers on the first go around in the home buying market.

Time is running out to take advantage of the $8,000.00 tax credit offered from the U.S. Federal Government. I wouldn't suggest waiting till the last minute for many reasons.

#1. The housing inventory is beginning to diminish. Not drastically, but significantly due to the time of the season. Fall typically is not the hotbed of the housing market even in a better economic market.

#2. I am speculating that interest rates will creep up the closer we get to the deadline. Just as gas prices mysteriously go up just before a traveling holiday weekend. I would count on that happening for sure.

#3. I suggest getting the closing over with well before the November 30 deadline. There will be a line of buyers with their new home to be just waiting for the big moment. That moment will be jeopardized by the lack of time available from the overworked title companies trying to accommodate the overabundance of first time buyer sales on those last couple of days. They may not have enough time to service everyone.

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.