Detroit Real Estate

WAYNE COUNTY ELECTRONIC WASTE ONLY DISPOSAL EVENT IN REDFORD

Wayne County will be conducting an Electronic Waste Only Drop-off event on Saturday, April 2nd from 8:00am to 1:00pm in Redford. The event will be held at the Redford Township DPW Yard - 12200 Beech Daly (North of Plymouth Rd on the east side of Beech Daly)

Electronic waste to be collected includes:

•  computers
• monitors
• keyboards & mice
• printers & fax machines
• scanners
• cell phones & telephones
• televisions
• VCR's and DVD players
• game consoles
• stereos & speakers
• microwave ovens
• X-Mas lights
• computer parts & miscellaneous cables etc.

 For questions contact the Wayne County Department of Environment at (734) 326-3936 Waste

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What does assumption mean? Redford real estate terms. Assumption is the agreement between buyer and seller where the buyer takes over the payments on an existing mortgage from the seller. Assuming a loan can usually save the buyer money since this is an existing mortgage debt, unlike a new mortgage where the closing cost and new, probably higher, market rate interest charges will apply.

The only homes now that you can assume a mortgage on are HUD mortgages. Even then, the new buyer must be approved by the old mortgage lender.  

For more information on Redford Real Estate terms, or if you are interested in buying a Redford home, please give me a call at 313-310-9855 or email me at yesmyrealtor@gmail.com

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Michigan Lake information

Redford home information

Michigan Lake Info:

18515 Olympia, Redford MI - Redford homes for sale

18515 OLYMPIA REDFORD, MI Completly Updated Bungalow 3BR/1BA Single Family House $75,000 Year Built 1954 Sq Footage 1,100 Bedrooms 3 Bathrooms 1 full, 0 partial Floors 2 Parking 2 Car garage Lot Size 5,662 sqft HOA/Maint $0 per month   Description Completely Updated Bungalow on a corner lot. Windows, Roof, Appliances, Plumbing, Kitchen, and Bathroom all new in 2009. Beautiful Tile floor and Oak Cabinets in the Kitchen. Bathroom features new tile floor, shower, vanity, and sink. HUGE Garage with opener and extra parking space next to the garage for a camper, boat, atv, etc. Plenty of storage in the basement and attic. Large front porch for sitting to enjoy the colorful landscape. Property Features Central A/C Central heat Tile floor Living room Refrigerator Stove/Oven Microwave Basement Washer Dryer Yard   Additional Photos Nothing to do Kitchen Bedroom Living room Bathroom Bedroom Contact Info Russ Ravary Remerica Hometown One (734) 414-3261 For sale by agent/broker Equal Opportunity Housing

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I 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.

I hate to say it but having a good credit score boils down to making your payments on time.  A good credit score is good credit history.

Now this will take time, but it is the only way.  There is no quick fix to bad credit.  You have to earn it.  You can get a FHA loan 2 years after a bankruptcy.  But you need at least 3 credit lines open for a year with most lenders in this current market.

So don't get upset and feel bad that you can't get credit now.  That you can't buy a home now isn't a bad thing because if you did I would bet you would be in foreclosure within two years.  So start putting your financial building blocks back together.  Bankruptcy first, open a secured credit line, pay your payments in full on time, open a second line after 6 months, don't let anything go over 30 days late.

It's not hard once you put your mind to making your payments on time.  No excuses if you want a home.  So I ask you how bad do you want that Redford home?

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 

So what is a good Redford home inspector worth?  A lot.  A good home inspector may cost you $300, but a home inspection is well worth the money.  A good home inspector can find out hidden problems that most people don't see.                                

Some of the issues Redford home inspectors can find are:

• mold in attic
• inadequate insulation
• faulty wired electrical plugs
• leaking plumbing
• improper wiring
• leaking basement walls
• carbon monoxide coming from the furnace
• brick tuck pointing needed
• poor roof
• hot water heater that is bad
• mold in the basement

Sometimes an home inspection issue can run into thousands of dollars.  I had a recent Redford home inspector that found 5 different major issues on a Redford home.  It saved my client from buying a very bad house.  It would have cost my client about $5000 in repairs.  That Redford home was a money pit.  But because they had a good home inspector my buyers were saved. 

Michigan home inspectors

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