TEXT “7439” to 79564

Just a Little TLC, this could be the perfect starter home or investment. Bright Open Floorplan, Full brick front exterior, spacious 2 car garage. All appliances stay. Possible 100% USDA Financing Available. 

For additional details, financing information, or to see if you qualify for Government tax credits; call 1-888-766-0647 Extension #7783 for a recorded message 24/7.

TEXT “75785” to 79564

www.956HiddenRidge.com

This home has it ALL!  This immaculate home is in a well-established and friendly neighborhood, minutes from shopping, 275 and located in the desired Milford School District.   Enjoy the quiet, peaceful wooded view from the large screened-in porch.  Hardwood floors and an impressive staircase greet you as you enter this warm and inviting home.  Elegant formal dining room features trey ceiling with wood inlay, updated chandelier and lots of natural light gleaming through the large, triple windows. 

The formal living room features built-in bookshelves perfect for all your books and family photos and adjoins right into the family room.  The spacious family room offers a great view of the screened-in porch and the large windows give you a fabulous view of the woods and creek.   Enjoy cool winter nights with a crackling fire in the beautiful stone fireplace that is one of the best features of this room.  The kitchen is equally impressive perfect for large gatherings and entertaining.  You’ll love all the counter space and cabinets, a built-in pantry, planning desk, updated appliances and located just a few steps through the sliding doors to the screened-in porch.  Off of the kitchen is a bright, cheerful laundry room offering plenty of space with a massive closet for all your coats, shoes and extra things as you come in from the garage.

Upstairs you'll find a spacious master bedroom with vaulted ceilings and an incredibly large private master bathroom with his and her sinks, a gorgeous spa tub and walk-in closet. You’ll love spending time here soaking in the relaxing tub after a long day at work.  The secondary bedrooms are very spacious as well. 

A finished walk out from the lower level features a kitchenette and built-in bar area with plenty of room to play pool or watch a movie.  An office or workout area is just on the other side in case you need to get some work done or get a quick workout in. 

The backyard is extensively landscaped with perennials and a large stone patio and is truly a little piece of nature’s paradise with its beautiful mature trees and singing birds.  You’ll love this convenient location and quiet, friendly neighborhood. 

For additional details, financing information, or to see if you qualify for Government tax credits; call 1-888-766-0647 Extension # 7723 for a recorded message 24/7.

OPEN HOUSE:  3/14/2010, 12-1:30 pm

TEXT “18526” to 79564

www.5788Bayswater.com

MOVE RIGHT IN! This beautifully decorated Condominium has nothing left for you to do but bring your furniture! This fabulous 3 bedroom unit offers an open floor plan and high ceilings.

The family room features a wood fireplace and stylish built in bookshelves. You’ll love spending time in this room curled up with a book or watching a good movie in front of the cozy fireplace.  The dining room opens into the family room area and boasts plenty of room to entertain, more high ceilings and a gorgeous chandelier.  Sliding patio doors take you out into the cozy covered patio and is the perfect spot to relax and unwind after a long day.   The large eat-in kitchen features wood cabinetry, updated brushed nickel lighting and hardware, newer vinyl tile flooring, a large sunny window and vaulted ceilings.  With plenty of counter space, a nice sized pantry and a large, open window overlooking into the family room, it is ideal for entertaining friends and family.

The master bedroom is spacious with vaulted ceiling and adjoining full bath.   Space won’t be a problem at all as this unit has incredible walk in closets featured in the master and one of the secondary bedrooms.  You’ll also find upgraded fixtures and faucets throughout this immaculate home.  A one car garage with plenty of extra room for storage is attached.

Located in a wonderful, friendly community, the amenities include a community pool, walking distance to shopping and restaurants and the Voice of America park that include walking trails, fishing pond and dog park is nearby.

For additional details, financing information, or to see if you qualify for Government tax credits; call 1-888-766-0647 Extension #7793 for a recorded message 24/7.

OPEN HOUSE:  3/14/2010, 2-4 PM

TEXT “43092” to 79564

www.6300Thornberry.com

You simply cannot find a better location in the sought after Mason School District!  Where else can you find the convenience of walking 5 minutes to restaurants, retail, fitness centers, and even a daycare center?  Where else can you find a great community featuring a pool, lakes, and walking trails?  You can find all of this and more in an entertainer’s dream come true that is 6300 Thornberry Court and the location is only the beginning!

As you walk through the front door, you are welcomed by a bright, soaring two story foyer and gleaming hardwood floors.   The kitchen has been generously upgraded with a tile backsplash, direct vent range hood, and a full complement of appliances.   You will also appreciate abundant cabinet space, pantry storage, and large eat-in area that is open to the family room.  The one-of-kind family room showcases an adjoining 13x12 sunroom that is divided by a beautiful two sided fireplace.  The formal dining room is appointed with fine details for your special occasions.  A study, formal living room and an impressive 17x6 laundry room round out the spacious first floor.

Entertaining does not stop on the first level; come on downstairs to the full finished basement.  This professionally finished space is perfect for a play area, home theatre, an exercise room, and features a wet bar and half bath.  It is also surprising with all of this space that there are still additional storage areas.

Upstairs, the enormous master suite is unlike anything else you will find at this price point.  The luxury master bath can provide for the perfect retreat with an oversized double vanity, soaking tub, shower, and plenty of natural light.  And yes, the walk in closet rivals those found in million dollar homes measuring a massive 18 feet long.

Saving the best for last, you will certainly look forward to summer with the custom screened in deck and concrete patio.  Both the front and rear of the home have been professionally landscaped and the premium playset in the backyard stays with the home.  5 new trees have also been added to the spacious backyard.

Buy this wonderful home with complete confidence and peace of mind.  The roof and water heater were recently replaced and high efficiency HVAC equipment will help keep energy costs down.  The sellers are also including a First American Home Warranty with the home.  Compare all other homes to this one.  It is in pristine condition and occupancy is immediately available after closing.  See this home today!

For additional details, financing information, or to see if you qualify for Government tax credits; call 1-888-766-0647 Extension # 7583 for a recorded message 24/7.

TEXT “42069” to 79564

If you long for the country, then this is the perfect home for you.  Less than 30 minutes from Eastgate and I-275, this home gives you the space and privacy that you are looking for.  The lot is over an acre in size with plenty of wildlife to view and there are no neighbors behind you.

The newer home is virtually maintenance free and the entire crawl space has a concrete slab.  Inside you will find a spacious open kitchen with ample cabinets for storage and an island.  The large dining area is open to the kitchen and walks out to your outdoor deck.  You will also appreciate the large laundry and mud room area as well.

The master suite features a walk in closet and an adjoining master bath.  Skylights throughout the entire home allow plenty of natural light and an unprecedented feeling of openness.  You will be glad to see that all you have to do is move in to this home.

If you have a hobby or like to work on cars, the oversized 2 car garage is just for you.  It features a smooth finished concrete floor and 2 automatic door openers.  There is also an additional storage barn providing more than enough storage.  There are many great financing options for this home that require little money down!  Schedule your showing today.

For additional details, financing information, or to see if you qualify for Government tax credits; call 1-888-766-0647 Extension # 7823 for a recorded message 24/7.

www.5206WoodtopDrive.com

Text “31324” to 79564

Are you looking for a pristine, super-clean ranch with a full basement?  You will have to look long and hard to find a home where pride of ownership rivals this one!  Located in one of the most sought after, sidewalk communities in the Goshen School District, this home has the open floor plan that you are looking for and more bonus features than we can possibly list.

You will swear that you are walking into a brand new home once you see how clean and well kept it is.  The kitchen is very generous in size and features ample cabinet space.  There is also a full complement of appliances that stay with the home.  The living room with cathedral ceilings is open to the dining area, and you will be impressed by the hardwood floors that extend through the hallway.  Outside, you will take note of beautiful landscaping features everywhere.

If you love to entertain, then you will love this home.  The amazing fenced back yard has the pool area of your dreams.  This in ground pool even features a diving area, and the pavestone patio area just out your back door is the perfect place to spend lazy summer days.  In the ready to finish full basement, there is already a custom cherry bar that you must see to believe.  The seller is open to negotiation on all pool equipment and accessories, as well as the TV equipment in the bar area.

You can buy this home with no money down and no monthly mortgage insurance through the USDA Rural Housing Program.  Call us today to see if you qualify!  Schedule your showing today and move in to enjoy the whole summer by the pool.

For additional details, financing information, or to see if you qualify for Government tax credits; call 1-888-766-0647 Extension # 7573 for a recorded message 24/7.

More ‘hopeful’ home buyers will become ‘real’ buyers after the first of the year, predicts the Cincinnati Area Board of Realtors. Why? It’s all about home buying economics:

 1) Home loan mortgage rates are near 5%.  That’s unbelievably low, and it won’t last. Interest rates, overall, are expected to rise in 2010.  The federal stimulus program of 2009 resulted in a massive amount of new debt, as well as continuing federal deficit budgets. That kind of scenario historically has resulted in inflation-driven economics.  Which means higher interest rates. It’s not a matter of “if,” but “when.” Buying a home now will help you get a more affordable home loan rate today…compared to higher-cost home borrowing of tomorrow.

2) There is an ample supply of homes from which to select, but it’s decreasing. Housing supply is measured by an inventory count. A year ago, the inventory was 12.5 months of homes for sale. Today it is 7.99 months. A balanced market is 5-6 months.  The lower the figure, the more a buyer typically has to spend to get the home of his or her choice.

3)   The federal home tax credit program expires April 30, 2010.  Buy before that date, and you may be eligible for a tax credit from $6,500 to $8,000. Buy after that date and you get $0 tax credit.  Your Realtor has all the details, including income limits.

Another potential reason, 4) You can now buy a home with an FHA-insured loan with only a 3 ½% down payment. That could – we repeat could -- grow to 5% sometime in 2010.

The deadline to file a complaint in all Ohio Counties will be March 31, 2010.  It is very important to note when filing a complaint in the coming year, you will be challenging your properties value as of the “Tax Lien Date” which is actually January 1, 2009.  Comparable sales to your property that closed six month before or six months after are considered to be the best evidence to present to the Board of Revisions.  On the other hand, the Auditor’s valuation of your neighbor’s home is of no use as evidence in a board of revisions hearing.  Just remember, you are challenging the Auditor’s valuation of your property on January 1, 2009 and must present strong, market driven evidence to make your case.

As is the case with most things in life, there is potential risk involved with filing a complaint to the Board of Revisions.  Although the County charges no fee to file a complaint, home owners are stuck with the decision handed down by the Board of Revisions through the end of the current triennial period.  In a recent session that I attended with Hamilton County Auditor, Dusty Rhodes, he told the assembly that in more than 10% of complaints, a properties tax valuation can be found by the Board to be too low.  This would result in a property tax increase!  It is extremely important to access market data and study it closely before you consider filing a complaint.   Our office is always glad to assist area homeowners with any questions or concerns.

Be informed:  Get comparable sales with one click by going to: www.PriceMyCincinnatiHome.com

 TEXT "76390" to 79564

AKA 340 Helen St.

Great Opportunity for the experienced rehabber.  New Roof, Windows, Electrical updates.  A lot of the hard work is done;  finish this building and have a great cash flow property.

Call Jason Bowman at 513-766-0647 for additional details about this investment opportunity.

Text "75952" to 79564

Looking for your first home that could be available with no money down?  Then this move in ready ranch in Goshen may be the place for you.  Located close to Route 28 with an easy commute to I-275, this location is actually quite convenient.  You will love to come home to this peaceful cul-de-sac location where you can enjoy evenings on the huge deck.  There is plenty of space to use on this large half acre lot.

Inside, gleaming hardwood floors welcome you.  It is also good to see that all of the work here is done, and all you have to do is move in.  The eat-in kitchen comes fully equipped and features wood cabinets and a pantry.  This home’s large master bedroom does not share a wall with the other bedrooms in the home offering additional privacy.  You will also appreciate the large laundry room area off of the kitchen.

This home is eligible for financing with little or no money down and no month mortgage insurance premium through the USDA.  Call today to find out how very affordable this home could be.  Homebuyer’s may also be able to take advantage of today’s tax credits of up to $8,000.00 offered by the Federal Government.

For additional details, financing information, or to see if you qualify for Government tax credits; call 513-766-0647.

For this reason, we have created a website with a mission of helping home owners in trouble.  There are many options available for home owners in financial distress.  Some options can allow a home owner to stay in there home with a more affordable payment.  This website is: www.CincinnatiShortSaleHelp.com .  Please pass this along to anyone that could use this help.  The sooner a home owner in financial hardship acts, the better their chances of avoiding a foreclosure.

Short sales allow the cash-strapped seller to repay the mortgage at the price that the home sells for, even though it is lower than what is owed on the property. With plummeting property values, this can save many people from foreclosure and even bankruptcy. More and more lenders are willing to consider short sales because they are much less costly than foreclosures.

In the Cincinnati area, more and more homes are in danger of foreclosing. It is happening in all price ranges. Local experts say that even high-priced homes are not immune.

“This CDPE designation has been invaluable as I work with sellers and lenders on complicated short sales,” said Bowman. “It is so rewarding to be able to help sellers save their homes from foreclosure.”

Alex Charfen, founder of the Distressed Property Institute in Boca Raton, Fla., said that Realtors® such as Jason with the CDPE designation have valuable training in short sales that can offer the homeowner much better alternatives to foreclosure, which virtually destroys the credit rating. These experts also may better understand market conditions and can help sellers through the emotional experience, he said.

The Distressed Property Institute opened in January 2008 and provides training on-site and online. The CDPE is the premier designation for Realtors helping homeowners in distress and handling short sales.

“Our goal is to educate as many people as possible so we can help as many homeowners as possible,” Charfen said.

·        NSP will appraise the property selected and it must have been foreclosed and vacant for three (3) months, and Purchaser can purchase property up to 15% below appraised value

·        Property closes in buyer’s name and NSP will complete the renovation prior to occupancy

·        Clermont County places a second mortgage on the property which is forgivable after 10-15 years depending on the size of their mortgage.

·        Income guidelines: Eligible for families having income less than 120% of the area median income. (family of four can have an income up to $83,400

·        Eight hours of counseling by HUD approved counselor

·        CONTACT JIM TAYLOR AT NSP AT 732-7904 or jtaylor@co.clermont.oh.us

Text:  43047 to 79564

Hurry!  There is still time for qualified first time buyers to close before the November 30 tax credit deadline.  500 Judy Con offers more than any other home you will find at its price point.  Sitting on nearly a half acre down a quiet no outlet street, you will find this location extremely close to Beechmont dining and shopping.  Also, access to I-275 could not be easier and the commute to Downtown Cincinnati is about 20 minutes.  The West Clermont School District recently earned an “Excellent” rating by the Ohio Dept. of Education.

From the moment you arrive, you will notice that this home has been meticulously cared for by its original owners.  Major systems like the driveway, gutters, windows, front entry door, and electrical have been updated in recent years.   The full walkout basement has been professionally waterproofed by Ever Dry and comes with a transferrable warranty.  This can be the perfect recreation space!  You can also buy this home with the confidence of a one year First American home warranty offered by the sellers.

Endless possibilities abound within this home.  There are real hardwood floors throughout this home, even under the living room and hallway carpet.  The large eat-in kitchen can have great potential with a little imagination and some upgrades of your own.  The huge covered patio just out your back door can provide the perfect space for your summer time outings.  With an oversized one car garage and the shed out back, you will have plenty of storage space.

At an extremely competitive price, the sellers are able to offer you immediate occupancy on your closing date.  With kitchen appliances staying in the home, it is truly ready for you to move right in.  Stop by and see 500 Judy Con today, and move into your new home in time for the holidays.

For additional details, financing information, or to see if you qualify for Government tax credits; call 1-888-766-0647 Extension # 7753 for a recorded message 24/7.

School District

Will prices get better if I wait? Will mortgage rates be lower

I if I wait? Will I have a wider choice of homes to buy if I wait?

All good questions. They deserve good answers.

Sept. 1, 2009

(1) Will home prices get better if I wait?

The average home price in the MLS of Greater Cincinnati has fallen by 13 % over the past year. As the number of homes for sale shrinks (see question #3 below), that will create pressure for higher home prices. It may not happen over night, but it will happen. In a recent Baylor University survey, 8 of 10 economists agreed home prices will rise in the next 5 years. So will rental costs. Do you want to capture the advantage of equity build-up…or collect “throw-away” rent receipts?

(2) Will mortgage rates be lower if I wait?

Today’s mortgage rates are near 50-year lows. They are at bargain levels. But if you’ve never bought a home before, you just don’t realize the “borrowing power” of today’s low rates (unless your parents, friends, or other relatives told you). You don’t have to pay 15% for a home loan, as you did in the early 1980s, or 7%-to-8% in the 1970s and 1990s. Today they’re between 5-6%. That’s all.  But when inflation returns, you can “kiss goodbye” mortgage rates under 7%.

(3) Will I have a wider choice of homes to buy if I wait?

There are currently 14,182 homes for sale in the MLS of Greater Cincinnati. One year ago that number was 16,680. Two years ago it was 17,880. The trend in the number of homes available is definitely downward. The lower the inventory, the greater pressure for higher prices. So, should you wait for a wider choice? Fewer homes on the market = higher selling prices. So, do you want to buy low (now), or buy higher (later)?

Bonus Question:

Is there any particular reason, as a First-Time Buyer, why I should buy now?  Yes. Until Nov. 30, 2009, first-time buyers are eligible for a “federal tax credit” up to $8,000 on the purchase of a home that is closed by that date. Pure credit, not repayable. Anyone who hasn’t owned a home in the past 3 years may be eligible, if they meet income limits -- single buyers, $75,000 a year; married couples $150,000. The credit decreases for single buyers earning between $75,000 and $95,000, and between $150,000 and $170,000 for home buyers filing jointly. If you finance your home through FHA, you may use the tax credit money to help pay for down payment or closing costs. You may also be eligible for further tax credits through the Ohio Housing Finance Agency.  If you’ve been sitting on the fence, now is the time to get off that fence. Arm yourself with the facts, and join the 75 million homeowners nationwide who enjoy the benefits of home ownership (equity build-up, home appreciation, tax advantages, and pride of ownership).

Call your REALTOR. He or she knows (a) local market home inventories, (b) homes values,

(c) lending programs, (d) first-time homebuyers tax credit program and (e) everything else to

help you make a housing choice…TODAY. It’s time to…Get Off the Fence.