Home Selling

Published by Michelle on 11 Jan 2011

Exceptional Value in Camp Hill Borough at $184,900!

Over 2,200 square feet of living space in Camp Hill borough for under $185,000?  Yes, it’s true!

This home has it all…formal Living Room and Dining Room, eat-in Kitchen, 4 Bedrooms, 2 full Baths, partially finished walk-out lower level, 1-car garage and more!   Priced at $82 per square foot, this is the best value in the borough that’s not a short sale or foreclosure.

For more information or a private showing, please contact Michelle at (717)623-8508 or Michelle@HarrisburgHouses.net.

Published by Michelle on 05 Jan 2011

Facing a Short Sale Situation…Don’t Hide, Call Me!

First of all, what is a short sale?  A short sale occurs when a homeowner owes more on their mortgage(s) than the market value of the home.  It’s  similar to being “upside down”  on your car. 

Please understand that there are options available.  The worst thing to do is to be in denial and hide from the situation.  If you can keep making your monthly mortgage payments and can afford to ”ride out the market”, that would be the best option.  However, if you need to move because of a life change or you simply can not afford to keep making payments, then you need to contact a Realtor who has experience and can assist you with the short sale process. 

Everyone’s situation is unique.  If you don’t know who to contact or how to start the process, please contact me for a free consultation.  I’d be happy to explain the process and arm you with the information you need to make an educated decision.  If you live outside the Harrisburg area, I can put you in contact with a Realtor in your local market who has expertise in dealing with short sales and foreclosures.  I can be reached at Michelle@HarrisburgHouses.net or (717)623-8508.

Published by Michelle on 16 Dec 2010

Decorate or Not to Decorate? That is the Question This Holiday Season

If  you’re trying to sell your home over the holiday season, do you decorate your home or take a year off from those darn holiday lights?  As with everything in life, you need “balance”.  Here are some helpful hints to consider when dragging out your holiday decorations.

Don’t go overboard and be selective.  Remember the “less is more theory”.  Instead of displaying every holiday knick-knack that you’ve collected over the years, select your favorites and try to avoid decorations with any religious conotation (examples include nativity scenes, menorahs, etc.).  The goal when selling your home is to appeal to the masses and you don’t want to offend anyone who may not share the same religious values as your family. 

Think festive and inviting…use seasonal greens and plants for holiday decorations.  Nothing is more welcoming than a healthy evergreen wreath with fresh ribbon on the front door and a brand new welcome mat.  It’s time to throw away those tattered decorations and remove all out of season (dead) plants.  For added color, place several festive poinsettias or Christmas cacti throughout the home.   

Size does matter when selecting your Christmas tree.  Many of us are guilty of picking a tree that looks perfect at the tree farm and then we get it home to find out that it fills the Family Room.  An oversized tree is telling potential buyers that the room is too small to meet their needs.  Be aware of the tree’s width when selecting your holiday tree this year. In fact, this year may be the perfect time to try one of those pencil trees.  It’s important to take your tree down immediately following the holidays.

Lastly, if your Realtor takes MLS photos during the holidays, invite them back after the decorations are put away so your photos don’t look dated.   It’s embarrassing to see photos with Christmas trees in the background when the daffodils are blooming in April.

If you have any questions, I can be reached at Michelle@HarrisburgHouses.net.

Published by Michelle on 10 Dec 2010

Fannie Mae, Freddie Mac & Several Lenders to Temporarily Suspend Foreclosures

From December 20 to January 3, Fannie Mae, Freddie Mac and several big lenders will suspend foreclosures and evictions on occupied single family and multi-family dwellings.  It’s unclear as to how many households this temporary ban will effect but it’s definately a gift to those who were scheduled to be foreclosed upon. 

Nationally, it’s been reported that as high as one in eight mortgages are in default or foreclosure.  The good news is that Pennsylvania’s foreclosure rate is still relatively low compared to the national average. 

If you find yourself in a financially distressed situation and need to sell your home before it foreclosed upon, please contact me at Michelle@HarrisburgHouses.net or (717) 623-8508.

Published by Michelle on 24 Sep 2010

Exceptional Location at an Exceptional Price in New Cumberland Borough

Only $79,900…this semi-detached home offers over 1,000 square feet of living space with 3 spacious Bedrooms and 1 full Bath.  Formal Living Room and Dining Room are graced with hardwood floors and provide generous space for entertaining.  The eat-in Kitchen with pantry offers access to fenced rear yard.  Walk-up attic provides additional unfinished living space.  Full basement, off-street parking, newer windows and roof are just some of the highlights of this wonderful home. 

For more information or to schedule a private showing, please contact me at Michelle@HarrisburgHouses.net or 623-8508.

Published by Michelle on 19 Jul 2010

Home Buyer Tax Credit Still Available for Military (Restrictions Apply)

Military who served overseas between January 2009 and May 2010 are still eligible for the tax credit.  Service members have until April 30, 2011 to sign an Agreement of Sale and must close by June 30, 2011.  Both the $8,000 first time hombuyer and $6,500 repeat buyer tax credits apply.  

Please contact me for more information at Michelle@HarrisburgHouses.net.

Published by Michelle on 14 Jul 2010

Want to Add Value and Desirability to Your Home?

Sellers ask me all the time “What can we do to make our home more attractive so it sells quicker?”.  Here’s a few ideas to consider:

- Remodel your Kitchen.  If you want to increase the value of your home, add modern appliances, clean or reface cabinets, consider adding a solid surface countertop and new fixtures.

- Remodel your Bathrooms.  Buyers today are looking for modern conveniences.  Do you need an updated vanity, countertop and fixtures?  If you have wallpaper, it’s a MUST for you to remove and replace with a fresh coat of neutral colored paint.

- Replace flooring where applicable.  Hardwood and ceramic tile are very popular among today’s buyers.  Carpet is passe! 

- Remove “unnecessary belonging” (i.e. clutter).  If you’re selling your home, you can get a head start with packing by boxing up all your knick-knacks, photographs, etc.  Clutter makes rooms feel small and dirty.  Open up your floor space and rearrange the furniture to take advantage of the floor plan.

For more ideas,  please contact me at Michelle@HarrisburgHouses.net.

Published by Michelle on 14 Jul 2010

Colonial Cape Cod on 0.89 Acres (Dillsburg/Franklin Township)

Exceptional at $189,900!

Adorable Colonial Cape Cod in Northern School District with over 1,650 square feet of living space, and two detached garages.  If you’re looking for “room” in a quiet country setting, this is the property for you!   Highlights include:

- Spacious eat-in Kitchen with beautiful millwork and generous countertop space.

- Formal Living Room with stone wood fireplace.

- Formal Dining Room centrally located from Kitchen, Living Room and First Floor Master.

- 3 Bedrooms (First Floor Master)

- First Floor Master would also make a great home office or den.

- 1.5 Baths

- Full basement with laundry

- One single bay garage with additional storage

- One 2-car garage with additional storage

- 2 Bedroom mobile home resides in back of lot (rental opportunity?)

- New roof over main house in 2009

The possibilities are endless with this property.  Schedule a showing today or give me a call for more information.

Published by Michelle on 10 Jul 2010

Secluded 4.5 Acre Property in North Middleton Township (Carlisle)

If you’re looking for privacy and acreage but want to be close to shopping and restaurants, this is the property for you!  Come see this private oasis with a stream, mature landscaping and trees, horseshoe pits and a new (2007) 27′ round above ground pool with deck surround. 

There’s plenty of room to spread out in the 2,100+ home with 3 Bedrooms, 3 full Baths, formal Living Room and Dining Room, spacious lower level Family Room with fireplace (propane).  The generous Country Kitchen can accommodate large gatherings and offers all modern amenities for the family chef.   Between the Garage and Family Room, you’ll find a space that offers endless possibilities, such as:  home office, playroom, hobby room, etc. 

Storage is abundant throughout the home and in the oversized 2-car Garage.  The outside shed (14′ x 16′) can easily store all your outdoor equipment. 

For more information or to schedule a private showing,  please contact me at 717-623-8508. 

Published by Michelle on 18 May 2010

Effective June 1, 2010 – A New Credit Report Will Be Pulled Prior to Closing

Effective June 1, Fannie Mae announced that a new credit report will be pulled prior to closing.  Mortgage underwriters will be looking to see if new credit was opened or applied for from the date of your mortgage application.  If the Buyer’s credit score changes or if new credit lines are established, the file could be sent back to underwriting for further review and possiblity delay settlement.  Or, worst case scenario is that your mortgage application can be denied.   

After you enter an Agreement of Sale, do NOT apply for  new credit or make any “significant purchases”.  By doing so, you will put your mortgage loan at risk.  There will be plenty of time AFTER your loan closes to make those purchases.

If you have any questions, please contact me at Michelle@HarrisburgHouses.net.   

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