59264 Amherst Ave New Haven MI
For sale at $130,000
For Lease at $1450.00
3 Bedrooms 2.5 Bathrooms
For more information on this property feel free to contact me at 810-441-5777 or send me an email to JeffDavisRealtor@Gmail.Com
Click on the picture below for a larger view
If you find that this is not a home that you are interested in and would like to see more homes, I would like to offer my Buyer's Agent services at no extra charge to you. I also would like to invite you to check out my FREE list of Foreclosures This list will give you every listing, customized to YOU and it updates you daily so your finding the homes faster then the average buyer.
603 Elba Rd Lapeer MI
$170,000
3 Bedrooms 2.5 Baths Private Lake
All offers and conditions are subject bank's final approval.
I just got an email from the National Association of Realtors a minutes ago (literally) It sounds like some great news about the First Time Home Buyer Tax Credit and the condition of the real estate market. I have some more information on the First Time Home Buyer Tax Credit Here. If you have any other questions, feel free to contact me.
____________________________________________________
WASHINGTON, May 12, 2009
Shaun Donovan, secretary of the U.S. Department of Housing and Urban Development, said that theFederal Housing Administration is going to permit its lenders to allow homeowners to use the $8,000 tax credit as a down payment.
Donovan’s remarks came in an address to several thousand Realtors® gathered this morning at The Real Estate Summit: Advancing the U.S. Economy, a special daylong session at the Realtors® Midyear Legislative Meetings & Trade Expo here.
Secretary Donovan said that important changes, which the National Association of Realtors® has been calling for, will help consumers purchase a home. “We all want to enable FHA consumers to access the home buyer tax credit funds when they close on their home loans so that the cash can be used as a downpayment,” Donovan said. According to Donovan, the FHA’s approved lenders will be permitted to “monetize” the tax credit through short-term bridge loans. This will allow eligible home buyers to access the funds immediately at the closing table.
Donovan said the Obama administration plans to further stabilize the housing market. “I do think we have some early signs that the market overall is stabilizing,” said Donovan. “Since January we’ve seen both home sales moving up and down around a relatively stable number and we are seeing the first signs that the rapid decline in home prices is starting to abate.”
NAR President Charles McMillan, a broker with Coldwell Banker Residential Brokerage in Dallas-Fort Worth, said, “As the leading advocate for housing issues and homeownership, NAR continues to take a leadership role in promoting ideas for improving our economy by stabilizing the housing and real estate markets. Today we have the best of the best to begin a dialogue, develop solutions and initiate action toward real estate and economic recovery.”
The morning session included a panel discussion that was moderated by CNBC’s Ron Insana. The 13 panelists and Realtors® in attendance examined cutting-edge solutions necessary to promote and preserve homeownership and real estate development, stimulate the economy, and protect the nation’s taxpayers. They also shared their ideas on what the role and responsibility of the federal government is in the revitalization effort.
The list of distinguished panelists include Dr. Martin Feldstein, professor of Economics from Harvard University; Dr. Barry Bluestone, professor of Political Economy from Northeastern University; John Taylor, CEO of the National Community Reinvestment Coalition; Maria Kong, president of the National Association of Real Estate Brokers; and Sarah Rosen Wartell, executive vice president for the Center for American Progress.
“Right now the Federal Reserve is the market,” said Jay Brinkman, chief economist for the Mortgage Bankers Association. “What will be the effect when the Fed stops buying?” Brinkman explained that an exit strategy must be planned for the long-term; the federal government cannot continue to support the mortgage markets indefinitely.
“We must make sure FHA and the GSEs are supported,” added the Wharton School’s Susan Wachter.
“We are thrilled that so many high-caliber individuals were able to join us today at this important meeting to promote stability in the housing market and the U.S. economy,” McMillan said. “We look forward to an ongoing dialogue and action toward this goal, during our midyear meetings this week and beyond.”
Welcome to
My Listings and Blog Pages
If you have come here looking for more pictures on my advertised listings or if you are a first time visitor, below and to the right are lists of my homes for sale and my blogs. Just look for the title of the page that you want to see, click and enjoy. If you want or need more information, each page is a blog style page so you can comment and ask questions.
Feel free to browse through my site. There are many pages with a ton of information. If you like what you see/read tell a friend. They'll love you for it.
Listings
1429 Roy
Oxford, MI
1354 First
Lapeer, MI
5741 Southwood
North Branch, MI
3773 Payne
Attica, MI
124 Schorn
Lake Orion, MI
235 Millville
3456 Fifth
Owendale, MI
2055 Princeton
Berkley, MI
Blogs
Mobile Office Realtor
Example Free List of Homes
STOP Harassment by Collection Agencies
1429 Roy Rd Oxford, MI
$85,000
2 Bedrooms 2 Bathrooms
1354 First St Lapeer, MI 48446
$115,000
3 bedrooms 1 bathroom Full Basement
Click on the pictures below for a larger view.
5471 Southwood North Branch, MI
4 bedrooms 1 Bathroom
More pictures coming soon...in the meantime when you want to see it call 810-441-5777 or email to JeffDavisRealto@Gmail.Com
Everything you are about to read is stuff I have learned from Dave Ramsey, you can visit his site at DaveRamsey.com to learn more about getting out of debt and staying debt free. I took his class and HIGHLY recommend it even if your not in debt but especially if you are in debt.
I have never had creditors call me but when I heard Dave Ramsey's lesson titled "Credit Sharks In Suits" and the crazy tactics that they use, I was completely appalled and wanted to help Mr. Ramsey purge this business practice. So I thought I would blog it and tell everyone, that I could, what I have learned.
Like Mr. Ramsey says, there are good legitimate collection agencies out there, like your first mortgage, the local collection agencies-the ones that are collecting for local businesses. Credit card collection agencies seem to be really really bad and these are the ones you need to guard yourself against.
The Federal Law Regarding Collection Practices
I want to start with the Federal Government's "Fair Debt Collection Practices Act" This is a Federal law regarding collections practices, what the debt collectors can and can't do. It is a very powerful tool and you need to know it if you or someone you know is not paying bills and is or is about to be called by collection agencies. I am going to do my best to tell you some of the things I learned about this law but you should read through it yourself, don't just go on what I am saying.
* This law only applies to debt collectors and NOT our government and NOT Federally funded student loans.
* They are not allowed to knowingly lie to you (so again know the law and know your rights).
* They cannot garnish your wadges until they sue you and win, then they have to wait 30 days after that.
* They are only allowed to call you between 8:00 am and 9:00 pm and that's your time zone not theirs.
* They are not allowed to harass you.
* You can stop them from calling you at work by notifying them in writing that your employer wishes for them to stop. Send it certified mail.
* You can also stop them from contacting you at all except to notify you of court proceedings. However this will most likely trigger them to sue you.
Dealing With Collection Agencies
Mr. Ramsey has a few, well, several tips for handling or dealing with collection agencies. These tips are so good that when I heard them I decided right then that I needed to blog this and let you know what I was learning.
* Pay debts with a plan, don't ignore them, take control of what you can take control of.
* They are not your friend. They only have one purpose, get money. They don't care about you and your situation and anything that sounds like they care it is a technique to get you to pay.
* Never give them access to your bank account and don't give them post dated checks.
* Don't be intimidated by them.
* 85% of collectors are gone in a year, the collection agencies have an annual turn over rate of 85%. The person calling doesn't stay at that job for very long so they don't have much experience in this job. Keep this in mind when your talking with them.
* They are taught to evoke strong emotions, fear and anger.
* One of their techniques is, "pull the rug"- They will say "tell me what is going on and why your not able to pay" while your answering they will scream "I don't care, pay your bill" Again they just trying to anger you.
* Always pay your necessities first- food, mortgage, utilities, transportation (car payment) etc, then pay your other bills/debts with the left over money.
* Continue to talk with them and let them know you will continue to talk with them as long as they don't violate the law.
* Tell them you will talk with them once every two weeks, not any more then that.
* They data base everything, they collect information and enter it into their computer and keep track of everything. So do what you said you will do.
* This data base can work for you, like when you say I will talk you only talk with them every 14 days, stick with that and they will start to learn this.
* They are looking for your hot button, when they find it they will put that into their data base and use it over and over again, again to try to evoke a strong emotion.
* This is a big one - Record every phone call, keep copies of everything and get any deal they offer in writing. Then keep all of this stuff FOREVER they may call again in 10 years after you have already paid them, you will have to prove that you paid them. Being a former Private Investigator I do have to warn you, if you are going to record a conversation you have to notify all recorded parties that they are going to be recorded before they say anything on tape. So when you answer the phone to the collector say "you are being recorded, this is (state your name) then say the date and time (your time, of course)
For more tips on dealing with collection agencies visit DaveRamsey.com and take one of his Financial Peace classes. Again this is a great class, well worth the money, which is not very much. If you have questions you can ask me, there is a comment section below. Ask your question and I'll get right with you.
Realtor Jeff's Famous Home Made Pizza
Cheaper and better then Lil Squeezers
Way Before You Start
When at all possible I let the dough that I use sit in the refrigerator for 2 days from frozen. The pizza dough needs to rise. This has caused scheduling problems before with me, being a Realtor its hard to turn down a client because I have to make a pizza. I have tried just putting the dough on the counter to rise at room temperature about 3-4 hours before dinner. This worked, but my most regular customer, Eva my wife and Realtor's assistant, says it's just not as good but I don't remember a difference.
Preparing Your Pizza Dough
When removing your dough from the bag, cut the bag open with scissors and use flour covered hands to carefully peel away bag. It is very important to not handle the dough too much even when stretching it. It should only take about 30-45 seconds to size your pizza dough, any longer and you may be over working it. Cover your ball of dough in a thin layer of flour and with both hands stretch the dough in one direction pulling it apart, then in the other directions trying to make it round, not square. As you stretch, keep in mind that your dough should be a consistent thickness. You do not need to make the out side rim thicker for the crust handle (refer to Sauce It). There are many ways to stretch pizza dough and whichever way you do it, don't over work it, don't press or squish and don't use a rolling pin. If you are using the same dough that I am using, stretch you pizza to about 12”-13”, larger and you'll have a thinner crust and smaller you'll have an extra, extra thick crust and your cook time and temperature will have to be adjusted. When the dough is sized, I gently place it on a pizza screen that you maybe able to pick up on Ebay or buy a used one from a local pizzeria. You could use a cookie sheet but you will have to play with your cook time and temperature to get the pizza to turn out right.
Sauce It
Before you start putting anything on your pizza dough you need to know two things. One, do not push down on your dough or it will stick to your screen. Two, the more weight you have on your dough the more likely your dough will stick to the screen and the dough rises as it cooks so the more weight the less your dough will rise and it will not be as fluffy. Use the biggest spoon you can find, put a little sauce in the center of your pizza, gentle lay your spoon down and in a circular pattern, spread the sauce out on your dough. The amount of sauce is more of a visual thing, look at my picture, this is how much sauce to use. You want to be able to see through the sauce to the dough but just barely. Spread the sauce out to about a quarter to half inch from the edge, this will create the crust handle.
Cheese It
Similar to the sauce, just enough to cover but still be able to see through it a little. If you are making just a cheese pizza you will want to completely cover the sauce. It will seem like you have not put enough cheese on it and you will be tempted to put more on but you don't have to (see Top It)
Top It
This part is really easy, just cover evenly, again keeping in mind that the more weight you have the less your crust will rise. Then throw some more cheese over your toppings making sure no sauce can be seen and that you can still see your toppings a little. If you completely cover your toppings, the pizza becomes hard to eat with the cheese pulling off most of the time. When using meat toppings, make sure that they are fully cooked. If you are going to use fruit or vegetable toppings try to have these as close to the top as possible. Fruit and vegetable toppings will have a lot of water in them and having on the very top will allow the water to escape easier.
Cook It
Pre-heat to 400 degrees. The top rack will cook the top of your pizza faster then the bottom and the middle rack will cook the bottom faster then the top. I usually make two pizzas and some bread sticks. I put the bread and one pizza on the top and the other pizza on the middle rack. Cook for about 18 minutes and then switch the bottom pizza to the top and vise versa. Cook for another 5-6 minutes or until the bottoms of the pizzas are just starting to brown. Remove bread at the same time you remove the first/both pizzas. Cut with a pizza cutter from center out to the edge and serve.
Bread sticks
Stretch dough into a rectangle making sure to have a consistent thickness. Cut with a pizza cutter into small strips, about 1”x3” and about 1/2”-3/4” thick (tall). Melt 4 tbs of butter, mix in garlic, oregano and salt (personal taste) I cover a toaster oven sized cookie sheet in foil and spray it with an olive oil spray. Place the bread sticks close to each other, they can touch, then brush your butter sauce onto the tops of your bread sticks. The bread sticks will cook for as long as the pizzas or until only golden brown on edges. Put another coat of your butter sauce on the tops and add Parmesan cheese.
Supply List
Tiseo's Frozen Pizza Dough $1.39
Meijer 14oz Pizza Sauce $0.89 (makes 2 pizzas with extra for bread sticks) $0.45 ea
Meijer 6oz Pepperoni $1.89 (makes 4 pizzas) $0.47 ea.
Meijer 32oz Mozzarella Cheese $7.49 (makes 4 pizzas) $1.87 ea.
Cost for one pizza - $4.18
Cost for Bread sticks - $1.60 (including butter sauce)
Miscellaneous Supply Items- Garlic Powder, Salt, Butter, Oregano, Pizza Cutter, Flour, Sauce Brush, Spatula, Parmesan Cheese, Pizza Cooking Screen, Small Cookie Sheet, Pam Olive Oil Spray
This month's featured area for an example free list of homes....
Oakland County (updated 4-10-09)
If you would like to have a list like the one below emailed to you with daily updates, send me an email to JeffDavisRealtor@Gmail.com and let me know what your criteria is for a new home. If you'd like more information on this list Click Here.
Click Here for a list of homes with the following criteria. Follow the link then for a more detailed page on the home click on the picture of the house.
Location: All of Oakland County
Price range: $75,000 - $100,000
# of beds: 3
# of baths: 1+
# of square feet: All
# of acres (optional): All
Basement?: Yes
Garage?: Yes
Any special likes or dislikes: Nothing specified
NEW LISTING
3773 Payne Rd Attica MI
$235,000
Two story brick home 3 bedrooms 2.5 bathrooms on 10 acres. Stocked pond 32x40 horse facility and pastures also great for live stock/alpacas. Finished 2.5 car attached garage with workshop. All bedrooms have walk in closets geo thermal style cooling Pella Windows through out home. 2008 updated kitchen, granite counters and maple cabinets finished daylight basement agent related to sellers
124 Schorn Lake Orion MI
$164,900
Bedrooms: 3 Full Baths: 1 Half Bath: 1 Year Built: 1940 Sq Ft: 1520 School: Lake Orion
Tax: Sum: $1,495 Win: $382
Demnsions
Lot Size: 80X123 Acr: 0.23 Front Ft: 80 Prop ID:0901328069
MBR: 15x14 U BR2: 12x10 E BR3: 11x10 U
DR: 09x08 E LR: 23x11 E FR: 16x12 U KT: 12x11 E
Comp Arr: Buyer Agency: Y 3.5 Ownership: PRIVATE - OWNED
JOHN BURT REALTY GMAC R E 248-628-7700 x 164
Contact: JEFF DAVIS Phone: 810-441-5777
Remarks
BAC 3.5% Some notice for showing. Well water but city water available. BATVAI. Located within walking distance to downtown. Large living room, garage w/separate attached workshop, stone patio for entertaining and a fenced yard.
Features
Exterior: OTHER Architecture: 1-1/2-ST Style: TUDOR Terms: CONV, FHA, VA, CASH
Heating: FRCD AIR Fuel Type: GAS Water Heater: GAS
Interior Feat: CABLE AVL, SMP PUMP, WATER SOFTENER (OWNED)
Bath Desc: 1ST F BTH, 2ND F LAV Other Rooms: FLORIDA RM
Appliances: STV, REF, DISHW Garage Type: 2 CAR, DET, ELECT, WORKSHP
Foundation: BASEMENT Basement Type: UNFINISHED Exterior Feat: FENCED
Road Frontage: GRAVEL Water Sewer: WELL, SEW-SANIT
Click on the picture for a larger view
Commercial Medical/Office buildings
$699,000
Click on the picture for a larger view.
If you find that you are not interested in this property and would like to see more, I would like to offer my Buyer's Agent services at no extra charge to you. I also would like to invite you to check out my FREE lists This list will give you every listing, customized to YOU and it updates you daily so your finding the properties faster then the average buyer.
Bedrooms:3
Heating: FRCD AIR Fuel Type: GAS Water Sewer: MUN WAT, SEW-SANIT
Lot Size: 140X90 Sch: Owendale Gagetown Tax: Sum: $113 Win: $400
Bedroom Sizes: Master Bedroom: 25x16 E Bedroom2: 18x13 U Bedroom3: 10x10 U
Ownership: PRIVATE - OWNED
JEFF DAVIS Phone: 810-441-5777
Remarks: This 1905 Church is currently being remodeled, this price will not remain this low for much longer. It has a walk out basement and open floor plan. Taxes here are estimated by state website, homestead is estimated to be $293 total.
JOHN BURT REALTY GMAC R E 15 E. Burdick Oxford MI
2055 Princeton Berkley MI
$60,000
BR: 1 Bath: 1 Lot Size: 35 X 114 Prop ID: 2517382005 Sch: BERKLEY Tax: Sum: $1,053 Win: $22 Assoc. Fee: $ Homestead: N BR3: Year Built: 1943 Pos: IMMED BR5: DR: Sq Ft: 630 LSF: Src: MEASURED Comp Arr: Buyer Agency: Y 3 JOHN BURT REALTY GMAC R E 248-628-7700 X 164 Contact JEFF DAVIS Agt: 8104415777 Remarks This is one half of a brick duplex with 1 bed 1 bath. Currently being remodeled, there is still time to pick colors and style. Price is for the home in it's "as is" condition. Owner may be willing to pay concession, land contract possible with the right terms. Features Architecture: 1-ST Style: RANCH Terms: CONV, CASH Heating: FRCD AIR Fuel Type: GAS Bath Desc: 1ST F BTH Road Frontage: PAVED Water Sewer: MUN WAT, SEW-SANIT
I am a Mobile Office Realtor based out of Lapeer Michigan. I work with John Burt Realty GMAC in Oxford. Every Realtor designs their own style and way they conduct their business because we are independent contractors. So you will find many different kinds of Realtors, I of course think that my style is better or else I would change it. I would rather have you decide, sense its your opinion that matters, not mine. I would like to explain the way that I have set up my business.
I will start with an explanation of what is a Mobile Office Realtor because as far as I know I am the only one of my kind and you most likely have never heard of one. The name really does hit the nail on the head, I am able to take my whole office on the road. Whether I am in North Branch, Davison, Grand Blanc, Birmingham or Troy I can type up contracts, print, fax, email and research homes online. I save my clients an extremely large amount of time, they don't have to wait for their Realtor to get back to the office to put paper work together, look up houses on the computer, fax an offer, receive a faxed offer or send you some information because I'm always at my office no matter where I am. If you need or want something you get it, because buying a home or selling a home is not just buying or selling a home its your home, your life and its all about you and your family. Its not about me, my job, my commission and isn't based on when I can get around to it at my convenience. If it's always at my convenience it at an inconvenience to and lets face we just don't have time to procrastinate.
I work as both a Listing Realtor and as a Buyer's Realtor so I can help people sell their home and help them buy a new home. These are very different businesses and operate quite differently from each other. I have a few web pages set up to help explain what I do as a Listing Realtor and a Buyer Realtor.
A Client's Recent Experience
I had a listing in Berkley, the sellers and I were out shopping for their next home when I received a call from a Realtor that had put in an offer on their home a day before that we had countered. The Realtor was from West Bloomfield, we were driving through Royal Oak on our way to see a house in Clawson, he said he had a new offer for us. He faxed it to me and by the time we got to the house I had the offer printed and was able to hand it to the sellers. They liked the offer, full price minus a little for seller concessions, so they signed it. After I showed them the house and on our way to the next house I sent the accepted offer back to the Realtor in West Bloomfield. Knowing that their house was basically sold (after only three months) they wanted to go back to a home that they really liked and had seen the day before in Sterling Heights. We stopped in a parking lot some where in Macomb County, I logged on to the MLS, set up the showing and printed off the MLS sheet for them to read over as we drove there. They decided to put in an offer so I typed it up, they signed it and I emailed it to the listing agent who was a Clinton Township Realtor. While I was talking with the agent about the offer my buyers just put in, the West Bloomfield Realtor that had the buyers for my clients home, he faxed back the bottom lined purchase agreement (buyer's acknowledgment of seller's acceptance) so I jumped back on the MLS and changed the status of my listing to pending. When we got back to the seller's/buyer's home at the end of the day, I put up the pending sign that I had with me.
Now if you have ever bought and/or sold a home you realize how much time and days of waiting, wondering and worrying I saved my clients. For a non-Mobile Office Realtor this would have taken days, and many trips to and from their office to get all of this done. It took me only a few hours and we were shopping for a new house for them. Most of the time the speed of your Realtor is the difference between a great deal and no deal at all. Ask anyone that has ever used a Michigan Realtor before if they think they could have had a better deal or less stressful time if they would have used a fast Mobile Office Realtor.
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