West Bloomfield real estate - how do I buy a home now?Last month I heard a question on one of then morning news show and I thought it could be about West Bloomfield Real estate. The question was from a Michigan home seller. The sellers were having to relocate and sell their West Bloomfield home. They sold their Michigan home but because home values had fallen so much they didn't not get any money from the sale of their home. WHAT SHOULD THEY DO NOW? How do they buy a new home if they received no money from the sale of their old West Bloomfield home. My suggestion is to go back to the basics. Get an least expensive apartment and LIVE BELOW your means. Yes you have to go back to saving. For many people that is a foreign concept. Whether you have lost your home in foreclosure or sold your home and got little or no money that is what you have to do. 100% loans have gone away. There is only one 100% loan and it is a very specific loan for rural areas. So basically you have no choice but to save. You have to have a down payment now! The only way you are going to get that money is to save it or have somebody give it to you. So how bad do you want a home?
If you want your own home again start saving. Find a nice safe, convenient rental home or apartment that is close to your work and good schools. Don't get the most expensive one. I see this mistake happening all the time. People lose their home that their were paying $2500 a month on. So they go out and rent a home for $2100. They are crazy. They need to re-think what they are doing. Get the $1500-$1700. Forget about appearances. LIVE BELOW YOUR MEANS! So you can save for a down payment for your next home. It will be good practice for your financial future. Whether you are planning to buy West Bloomfield real estate, Livonia real estate, or any Metro Detroit real estate live below your means for a while and save some money. You will be glad you did. Portage Chain of lakes home listings Search Metro Detroit homes for sale and get the latest home listings emailed to you Get a home value estimate for your home if you are considering selling http://www.detroitmichiganrealestatehomes.com/0053FB Posted on Aug 27, 2010 @ 10:02 am by russ.ravary - View Profile
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Buying a Redford home, bankruptcy, bad creditI got an email about buying a Redford home, bankruptcy, and bad credit. Here is what the email said. I don't know what to do, I'm at my wit's end. I have to have one of the lowest credit scores possible that it is under 500. I can afford most of the Redford homes that I have looked at. Most will cost me $300.00 less than the rent that I am currently paying ($800.00 a month) including property taxes. But my credit is so bad is that I can't get out of the hole, what can I do other than file bankruptcy? And how will filing bankruptcy affect my chances of getting into one of the homes I like. My answer is to this poor guy is: If you are looking to buy a Redford home this year you are out of luck, there is no quick fix so you can buy a house. Sure a credit repair company "MAY" be able get you into a Redford home in six months, but you will be doomed to fail. Simply because you haven't gotten into the habit of making your payments on time. I would bet a hundred dollars that you would lose the house in the future. My suggestion is to take it slow and do it right. Get into a routine of making your payments on time. The key in your situation is to file bankruptcy and start over. But be sure to consult with a bankruptcy lawyer, don't rely on my advice. You should seek legal advice and make your decision based on their advice. You have to make a clean start otherwise you will always be in this predicament. After you file bankruptcy you need to start establishing new credit slowly. Get one secured credit card and use it to buy gas or groceries. Pay it off in full each month. My quote of the day is: For time and the world do not stand still. Change is the law of life. And those who look only to the past or the present are certain to miss the future. John F Kennedy http://www.detroitmichiganrealestatehomes.com/0053D8 Posted on Jul 04, 2010 @ 6:47 am by russ.ravary - View Profile
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Novi home inspections and the Metro Detroit first time home buyerHere is quick story about recent Novi home inspection with a Metro Detroit first time home buyer. They called me up to meet. Not cry, no overly upset but with a few worries. The Novi home was built in 2002. But as the Metro Detroit home inspector was going through the home he made these comments:
We sat down to talk about all of these things. When you buy a Novi home, the quality of furnaces, appliances, water heater, and other items may be of lesser or greater quality that you would buy. The seller is not going to up-grade a furnace to a better quality furnace if it is not broken. The best thing to do is use the furnace and then replace it when it breaks. Or if it is really bothering you, buy a new one. That is unless you want to reduce your energy costs and replace it with a high energy efficient furnace. The average water hot water tank is 40 - 80 gallons. Yes the builder didn't splurge on the hot water heater and the home owners didn't know better to ask for a bigger one. An new one should cost about $500 - $700 depending on the contractor. But in my house we never run the washer and take a shower unless we are in a rush or are going to take a short shower. Again the seller most likely won't put in a new one because the old one isn't broken. Outside painting - The paint isn't peeling and yes it does need to be painted. Because this is a Novi foreclosure the bank is not going to get involved in maintenance issues. They are going to tell you no. They are going to say "take it or leave it". All of the homes in the Churchill Crossing subdivision are about the same age. So they all have the 9 inches of insulation in them which was required at the time. Yes the Department of Energy now recommends much more but you have to look at the cost to install, the savings you will get, and how long it will take to get your return on your money. Again the seller is not going to do this. So when you do your Novi home inspection or any inspection in the Metro Detroit real estate market don't expect the seller to upgrade working items. Don't expect them to do maintenance items. Most sellers will not replace or add to items that are working or sufficient. It will be up to you to upgrade a working part of the house. And most sellers will not do common maintenance items unless you push the issue. If it is a foreclosure the bank many times it will come down to.... do you want the house as is or not? Search Novi MI homes for sale and get the latest home listings emailed to you so you don't miss out on the deals More home buyer advice and home buyer articles http://www.detroitmichiganrealestatehomes.com/005426 Posted on Jul 01, 2010 @ 10:54 am by russ.ravary - View Profile
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Healing Solutions massage in South LyonHealing Solutions in South Lyon is a great place to go if you are looking for a massage in South Lyon MI or a body waxing.
They do a little bit of everything there, from Chemical peels that decrease or remove wrinkles, to Body waxing. Here is a list of massages that they do:
. They also do Body Wraps, Body Scrubs, Body polishing, and Ear Candling. There are 4 Massage therapists available. They also have an Esthetician who does all the facials and skin care. Our Massage Therapist are all well trained and certified. Massage is something "Every Body" needs Jana is an R.N. as well as a Medical Massage Therapist. Quran is Amazing at Deep Tissue, Swedish,and Body Wraps. Kerry is a certified Esthetician as well as being certified with PCA Skin. They have a Facebook page that they run a lot of good deals on, clients just need to mention the ad or the website ad to get the deals. The have a website Healing Solutions Massage South Lyon Massage.
Their hours are from 12-5 Monday - Sat. for walk-ins but we make appointment. for anytime that is convenient for our clients outside of walk-in hours. Healing Solutions Therapeutic Massage So if you are looking for a massage in South Lyon or body waxing in South Lyon Michigan stop in and tell them Russ sent you. __________________________________________________________ Search South Lyon foreclosures and home listings Sylvan Lake real estate and Sylvan Lake waterfront homes for sale http://www.detroitmichiganrealestatehomes.com/005367 Posted on Jun 30, 2010 @ 8:02 pm by russ.ravary - View Profile
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Oakland County Lakefront rentals / Oakland County lakefront leasesHere is a list of all the Oakland County lakefront rentals / Oakland County lakefront leases. Currently there are 43 Oakland County lakefront that are for lease. Most lakefront homes are more expensive to lease. It boils down to how nice of a lake and how nice of a home it is that determines how much you are going to pay. I have seen some extremely over priced leases, but if you want to rent on the water you are going to pay more. People always ask if there are 3 month or lakefront homes for lease for the summer. If you want to try to find something like that you need to google "vacation rentals" or Michigan "Lakefront vacation rentals". There are a couple of sites that cater directly for vacation rentals.
If you would like to see any of these Oakland County Lakefront rentals / Oakland County lakefront leases give me a call (313) 310-9855 or email me at yesmyrealtor@gmail.com Search Oakland and Livingston County Lakefront homes for sale http://www.detroitmichiganrealestatehomes.com/005418 Posted on Jun 27, 2010 @ 11:15 am by russ.ravary - View Profile
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