DOWNTOWN NORTHVILLE SAVE THE DATE

Save the date! Coming up next Friday, June 5 the summer fun continues in Downtown Northville. The First Friday Experience takes place from 5-9 p.m. at the shops­and Robin Horlock performs in Town Square at 7 p.m. for the Friday Night Concert. While you're in town, don't forget to grab a bite to eat or enjoy a sweet treat.

Holly Hurd~
Is a REALTOR with Coldwell Banker Weir Manuel­
Northville, Michigan 48167
#1 Firm in MICHIGAN
hollyhurd@hotmail.com
Sell / Buy a home in Northville,Michigan register today at
www.Northvillehomes4sale.net
Holly Hurd ~Living in the Northville, Michigan area for 40+ years , Holly Hurd is graduate of Northville High School, Schoolcraft College, Michigan State then raising her own family here Holly Hurd has first hand knowledge and knows the area quite well Please feel free to contact her for all your real estate needs­?#‎homerocks?­?#‎YourHomeNorthville?­Michigan Real EstateHomes for sale in Northville Michigan Northville, Mi. 48167­?#‎realtor??#‎realestate?­?#‎reaestatemarket?­?#‎realestateforsalemi?­?#‎hometown?­?#‎hollyhurd??#‎home?­?#‎homesforsale?­?#‎historicnorthville?­?#‎buy?­?#‎buyingahome??#‎buildingahome?­?#‎buyrealestate?­?#‎condo?­?#‎coldwellbanker?­?#‎northvillemi??#‎sellyourhome?­?#‎sellingyourhome?­?#‎smalltown?­?#‎shop?­?#‎cbwm?­?#‎cbbelieves??#‎moveinmichigan?­?#‎greattimetobuy?­?#‎purenorthville?
Coldwell Banker Weir Manuel Blue Matter / The part of the brain that thinks about real estate

~NOTEWORTHY~

~NOTEWORTHY~          

TREE PERMITS REQUIRED
A permit from the Building Department is REQUIRED for any tree cut down in the City of Northville.  The City will be enforcing this ordinance if trees are cut down without a permit.  To avoid enforcement action, please contact the City of Northville Building Department at 248-449-9902.  Tree cutting is regulated by Section 90 of the City of Northville Code

Holly Hurd~

Is a REALTOR with Coldwell Banker Weir Manuel
in Northville, Michigan 48167

#1 Firm in MICHIGAN

hollyhurd@hotmail.com

Sell / Buy a home in Northville,Michigan register today at

www.Northvillehomes4sale.net

Holly Hurd ~Living in the Northville, Michigan area for 40+ years , Holly Hurd is graduate of Northville High School, Schoolcraft College, Michigan State then raising her own family here Holly Hurd has first hand knowledge and knows the area quite well Please feel free to contact her for all your real estate needs #homerocks #YourHome
Northville Michigan Real Estate
Homes for sale in Northville, Michigan 48167
#realtor #realestate #reaestatemarket #realestateforsalemi #hometown #hollyhurd #home #homesforsale #historicnorthville #buy #buyingahome #buildingahome #buyrealestate #condo #coldwellbanker #northvillemi #sellyourhome #sellingyourhome #smalltown #shop #cbwm #cbbelieves #moveinmichigan #greattimetobuy

Buyers' Advice: Hire Your Own Professional

by HOLLY HURD

Approximately 85 percent of home sellers use a real estate professional to sell their homes. But did you know that buyers who are represented are also more likely to have a successful transaction?
Getting a purchase closed in today's market is complex. Buyers face many more hurdles including stricter financing and a confusing marketplace of listed homes, for-sale-by-owner homes, foreclosures and short sales.

Your area may be in a buyer's market with lots of inventory available and falling prices, or you may be in a seller's market with homes selling out from under you before you can write an offer. Either way, you'll be better off navigating the market with an experienced guide.
To take advantage of today's near-record low interest rates, attractive inventory levels, and price rollbacks from decade highs, you need a sales professional to help you close the deal.
A good real estate professional understands the current market. He or she has house-by-house neighborhood experience and help you obtain the right house at the best price and terms. Professionals share their knowledge of homes coming on to the market, through the multiple listings service and through networking.
You can search for homes online, but do you know about the homes coming onto the market? Your real estate professional will tell others about you to make sure you learn about upcoming homes for sale before they hit the online sites. Many homes are bought and sold this way, without a sign ever going into the yard.
Real estate professionals work primarily on commission. If the deal of the century is about to come on the market, who do you think your agent will tell? The buyer who thinks he'll get a better deal by working every agent, or the buyer who is loyal?
Here are some tips on how to work with your own agent:

• If you want great service, show appreciation and commitment. Get prequalified with a lender by sharing your financial records so you know exactly how much home you can buy.
• Work with only one agent. If it's customary in your area, sign a buyer's representation agreement.
• Stay in contact. If you want to look at open houses or builder homes, invite your agent to come along. If she's not available, show your loyalty by telling the salespeople you meet that you are already represented.
• Don't hide pertinent information from your agent, or she will be in the dark about key issues that could impact your transaction negatively.

Once you find the house you want, the work really begins. You'll need help navigating negotiations, loan approval, seller's disclosures, inspections, repairs, and much more. Your agent will share your risk, and will make sure you go into any home purchase with your eyes wide open.
Take advantage of the greatest homebuying resource available - a real estate professional.

Holly Hurd~

Is a REALTOR with Coldwell Banker Weir Manuel
in Northville, Michigan 48167

#1 Firm in MICHIGAN

hollyhurd@hotmail.com
Sell / Buy a home in Northville,Michigan register today at
www.Northvillehomes4sale.net
Holly Hurd ~Living in the Northville, Michigan area for 40+ years , Holly Hurd is graduate of Northville High School, Schoolcraft College, Michigan State then raising her own family here Holly Hurd has first hand knowledge and knows the area quite well Please feel free to contact her for all your real estate needs #homerocks #YourHome
Northville Michigan Real Estate
Homes for sale in Northville, Michigan 48167
#realtor #realestate #reaestatemarket #realestateforsalemi #hometown#hollyhurd #home #homesforsale #historicnorthville #buy #buyingahome#buildingahome #buyrealestate #condo #coldwellbanker #northvillemi#sellyourhome #sellingyourhome #smalltown #shop #cbwm #cbbelieves#moveinmichigan #greattimetobuy

THREE BIG MISTAKES FOLKS MAKE WHEN THINKING ABOUT A HOME PURCHASE

MISTAKE #1

Falling in love with a home before determining how much they can afford.

It’s always fun to browse on line or stop by open houses, but when it’s time to get serious it’s important to find out where you stand financially.  It’s hard to compare the $400,000 home that you loved to the $200,000 home you can afford! 

Don’t let this happen to you! 

Talk to a lender, be open and honest about your situation.  If they don’t ask to review ALL of the financial documents that could have a bearing on your approval, move on.  Find a lender who will help you to navigate the process.  Find a lender who will review your credit score to see if there are any steps you can take to improve your scores for a better loan.  Find a lender who cares about you and helping you to get the best loan

ASK QUESTIONS!

Mistake # 2

Considering the maximum they qualify for instead of what their comfortable monthly payment might be

Consider Your Lifestyle-Don’t be house poor!  What do you like to do?  Go out to eat, special hobbies, kid’s education, savings?  What additional expenses are coming up? New car, new baby?  In-laws moving in?  Will you be getting a raise? A new job? A second income? An inheritance?   All of these things should be considered.    

What is comfortable? Only you can answer this question!

Don’t forget to speak to your tax advisor about the tax benefit of homeownership, this may help stretch the budget.

Speaking of budget, that leads me right to the third mistake.  

MISTAKE #3

Failing to budget.  

You may be amazed at how many bank statements I review that the outgo matches the income almost to the penny-Starbucks every day, McDonald’s, Old Navy, Target.  Folks forget to save money.  $5 here, $10 there adds up and could keep you from buying a home that you love! 

TIP:  Overdrafts can be a loan killer…keep track of those purchases and DON'T overspend!

Many folks thinking about a home purchase consider the down payment (Did you know you DON'T need 20% down to buy?), but they don’t consider out of pocket expenses, earnest money deposits, appraisals, home inspections.  They forget about the cost to purchase including closing costs, prepaid expenses and setting up escrow accounts for homeowner’s insurance and property tax payments. The seller can contribute toward closing costs, if negotiated into the contract.  How much they can contribute can depend on the type of financing.

In some cases, owning a home will cost less than renting.  In others, folks are moving up and moving out…this means more monthly and bigger annual and one-time expenses than you may be used to, more maintenance costs and higher utility bills.  Don't forget about those unexpected expenses when something breaks down or needs replacing, you won't be able to call the landlord!  Budgeting is key to being ready for home ownership!

If you are thinking about buying in a month or in a year, talk to a great lender in your area to find out where you stand and what steps you can take to be MORTGAGE ready. 

Holly Hurd~ 

Is a REALTOR with Coldwell Banker Weir Manuel
in Northville, Michigan 48167
#1 Firm in MICHIGAN

hollyhurd@hotmail.com

Sell / Buy a home in Northville,Michigan register today at

www.Northvillehomes4sale.net

Holly Hurd ~Living in the Northville, Michigan area for 40+ years , Holly Hurd is graduate of Northville High School, Schoolcraft College, Michigan State then raising her own family here Holly Hurd has first hand knowledge and knows the area quite well Please feel free to contact her for all your real estate needs #homerocks #YourHome

Northville Michigan Real Estate
Homes for sale in Northville Michigan Northville, Mi. 48167
#bombogenesis #realtor #realestate #reaestatemarket #realestateforsalemi#hometown #hollyhurd #home #homesforsale #historicnorthville #buy#buyingahome #buildingahome #buyrealestate #condo #coldwellbanker#northville #northvillemi #sellyourhome #sellingyourhome #smalltown #shop#cbwm #cbbelieves #moveinmichigan #greattimetobuy #greattimetosell#sold

Coldwell Banker Weir Manuel Blue Matter / The part of the brain that thinks about real estate