RISMEDIA, February 17, 2011—As part of ongoing efforts to strengthen the Federal Housing Administration’s (FHA) capital reserves, FHA Commissioner David H. Stevens announced a new premium structure for FHA-insured mortgage loans increasing its annual mortgage insurance premium (MIP) by a quarter of a percentage point (.25) on all 30- and 15-year loans. The upfront MIP will remain unchanged at 1.0%. This premium change was detailed in President Obama’s fiscal year 2012 budget, and will impact new loans insured by FHA on or after April 18, 2011.
Thursday, February 17, 2011
FHA Takes Steps to Bolster Capital Reserves
RISMEDIA, February 17, 2011—As part of ongoing efforts to strengthen the Federal Housing Administration’s (FHA) capital reserves, FHA Commissioner David H. Stevens announced a new premium structure for FHA-insured mortgage loans increasing its annual mortgage insurance premium (MIP) by a quarter of a percentage point (.25) on all 30- and 15-year loans. The upfront MIP will remain unchanged at 1.0%. This premium change was detailed in President Obama’s fiscal year 2012 budget, and will impact new loans insured by FHA on or after April 18, 2011.
Monday, February 07, 2011
10567 Maple Valley Road, Gladwin MI - SOLD!
Approx 6 Acres with a Septic, well and Older Garage
Great building spot!
SOLD!
Nice 6 acres with an older garage, well & septic field. Property used to have an old mobile home on it. Well is only 5-7 years old. Has an extra septic by the garage that may be okay for limited use. Great camping spot within a few miles of state land and trails. Also a great place to build.
Saturday, February 05, 2011
Look up our web site using your cell phone!
Do you have an iPhone or an Android based cell phone? You can visit our Smart Phone Friendly Web Site by scanning this QR Code with any general QR Code Reader Application on your Smart Phone!
Friday, December 17, 2010
10 acres Fornier Road, Beaverton MI - SOLD!
Nice 10 acres across the street from State Land!
SOLD!
Great camping, building or hunting parcel located directly across the street from 1000s of acres of state land and close to ORV trails. Fantastic recreational property. Lots of deer, turkey, rabbits and grouse in the area. Electricity is already installed. The property is a mix of thickets and open areas, making a great location for hunting.
Lots of deer sign!
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Monday, October 25, 2010
10 deadly mistakes buyers make when purchasing a home
1. Making an offer on a home without being prequalified.2. Not having a home inspection
3. Limiting your search to open houses, ads or the internet
4. Choosing a Real Estate agent who is not committed to forming a strong business relationship with you.
5. Thinking there is only one perfect house out there.
6. Not considering long-term needs.
7. Not examining insurance issues.
8. Not buying a home protection plan.
9. Not knowing total cost involved.
10. Not following through on due diligence.
Friday, September 24, 2010
A Gladwin Family Story
I thought this was a very interesting story about a small piece of local history, regarding am old building I had taken a picture of a couple of years ago.
Last week I received an email from someone who recognized the building and told me about the history of the place and his family.
Last week I received an email from someone who recognized the building and told me about the history of the place and his family.
Click on the LINK to read the story:
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Saturday, September 11, 2010
Gladwin Girls Meet Sarah Palin in Washington DC August 28th, 2010
I know that this is unrelated to real estate, but I just couldn't help but share!
Our daughter and her friend met Sarah Palin in DC during the "Restoring Honor Rally" on August 28th, 2010. That's our daughter standing right next to Sarah. Sarah took time out from her busy day to talk to the girls and have her picture taken with them.
The girls were volunteers behind the scenes of the event and got to meet several know figures.
This is Alveda King.
They didn't meet Chuck Norris... but they got this close.
They didn't meet Glenn Beck either, but they saw him this close.
He was a busy guy that day!
They did meet John Rich (Country Singer with "Big & Rich").
What a SIGHT!
Wednesday, July 14, 2010
12 Acres Meredith Grade Rd, Gladwin - SOLD!
Super RARE Find!
12 Beautiful Acres on Streaked Lake
SOLD!
Wow! Look at this extremely rare find on beautiful Streaked Lake in NW Gladwin County. Located just north of Blue Lake Estates! Enjoy fantastic fishing and crystal clear lake waters on this beautiful woodland lake where there are only 3 other lakefront acreage parcels on the entire lake! Excellent hunting for deer and turkey.
There is even a creek on the north line of the property. Enjoy the surrounding forests & wildlife. The Emerald Valley Ranches are also part of the Blue Lake Estates association. Property owners have rights to use the pristine swimming beach on Blue Lake (located just south of Streaked Lake). Blue Lake also has a private park with some playground equipment, a scenic creek and a fire pit.
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Tuesday, July 06, 2010
2958 Broka Dr, Beaverton MI - SOLD!
Beautiful 3 BR, 2 Bath, 2 Car Garage Home
Located in a very nice neighborhood
SOLD! $149,888
Wow! Look at this beautiful ranch style home on approximately 2 acres, south of Beaverton. You'll fall in love with this beautiful home! Enjoy country living in an area of other nice homes. This home features large rooms, open floor plan, hardwood floors, vaulted ceilings, lots of cupboard space, stone veneer, large covered porch, concrete driveway and so much more!
Beautiful stone exterior on the front of the home.
Vaulted ceilings in the living room and a gas log fireplace.
Extra large kitchen with plenty of counter space and lots of hardwood floors!
Large 20x16 shed with a 10x20 lean-to.
Monday, June 28, 2010
Clare County home sales increase; Gratiot, Isabella sales pace struggles
Saturday, June 26, 2010 7:25 AM EDTBy MARK RANZENBERGER
Sun Online Editor
Realtors in Clare and Gladwin counties sold more homes in April than any April in this decade, and May's sales pace was the fastest in five years.
Meanwhile, members of the Central Michigan Association of Realtors reported sales at a near-average pace for the two months. Those agents, who work mainly in Isabella and Gratiot counties, sold 89 homes in April, compared to a five-year average of 81, but only 84 in May, compared to a five-year average of 97.
That's according to an analysis of recent sales figures released by the Michigan Association of Realtors trade group.
Prices paid for homes in Clare and Gladwin also recovered, but buyers there paid the lowest prices of anywhere in outstate Michigan. Only in economically ravaged Detroit were prices lower.
Members of the Clare-Gladwin Board of Realtors, which represents agents who do business mainly in those two counties, sold 65 properties during April and another 73 in June. The April sales pace is well above the five-year average of 46, and the May average also is considerably above the five-year average of 64 sales for the month.
The record sales pace for May was in 2005, when 74 properties changed hands.
So far this year, 253 properties have been sold by Clare-Gladwin agents, up nearly 19 percent from the first five months of last year.
The average sale price for the year so far is $62,787, up 7 percent form 2009's highly depressed average.
May's sales rate of 84 was the slowest May of the decade in the Gratiot-Isabella region.
So far this year, agents have sold 350 homes, compared to 365 in the first five months of 2009. The average sale price for the first five months of the year was $75,773, up 6.77 percent from 2009.
Prices increased in 37 of the 40 regions tracked by the statewide real estate marketing group. Prices fell only in Branch, Lenawee and Livingston counties.
Sales rates also increased in 30 of the 40 regions. Besides the decline in Gratiot and Isabella counties, the pace of sales of existing homes also fell in the west-central region, the Down River and Eastern Upper Peninsula regions, Branch, Hillsdale and Lenawee counties, and Detroit, Flint and Saginaw.
Overall, the pace of sales of existing residential properties was up nearly 5 percent in 2010 compared to the first five months of 2009, and prices were up nearly 11.5 percent, averaging $88,863.
Detroit continued to have the cheapest residential property in the state. Nearly 5,300 homes have been sold in the city since the start of the year at an average price of just $15,329. As low as that figure is, it's a third higher than 2009's average price through five months of $11,387.
Michigan's priciest real estate this year is in Emmet County, at the northern tip of the Lower Peninsula, where sales are up 39 percent over last year, and an average home sold for $187,296 during the first five months of the year, up 15.5 percent from last year.
Sunday, June 27, 2010
1141 Chatterton St, Gladwin MI - SOLD!
Beautiful 3 BR, 2 Bath Home in Gladwin
SOLD! $119,888
Wow! Look at this beautiful home in a very nice area, within the city limits of Gladwin. This home features a friendly floor plan, wood laminate floors throughout, spacious kitchen, main floor laundry, 2 full baths, large open deck, fenced in yard and an extra large yard (approx 1/2 acre). This lovely home is located close to the Riverwalk walking trails, city park, hospital, restaurants and shopping. Nice quiet neighborhood.
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Lot 51 Blue Lake Drive, Gladwin MI - SOLD!!!
Rare Find!!! Beautiful Waterfront Lot of Blue Lake
There hasn't been a vacant waterfront lot for sale on Blue Lake in many many years! Take notice of the fabulous lot with beautiful panoramic views!
SOLD!!! $59,888
Look at this beautiful lot on one of the prettiest, clean fishing lakes in all of
Gladwin and Clare Counties! This lot offers the perfect building spot for a home with a walkout basement. Blue Lake offers a "U.P." like atmosphere, only 2.5 hours north of Detroit. This quiet no-gas-motors lake is located in a beautiful woodland area, close to miles of snowmobile trails and 1000's of acres of state land.
Blue Lake offers some of the best fishing in the area. Catch Bluegills, Bass, Crappie, Rock Bass and Perch. (I have pictures to prove it, on my virtual tour!)
This is a PRIVATE lake with NO Public access! The lake is so clear, that you can easily see over 20 ft down to the bottom!
Find out what Blue Lake Estates has to offer! Including a private sandy swimming beach, only available for use by Blue Lake members and their guests.
You have to visit Blue Lake to truly appreciate it's awesome beauty!
Visit www.ilovebluelake.com for more information about the area.
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Saturday, June 05, 2010
5029 Ruby, Gladwin MI - SOLD!
Nice Waterfront Home on Beautiful Island Lake
3 bedrooms, 1 Bath & Large 24x36 Garage
SOLD!
Are you looking for a quiet lake with great fishing and clean & clear lake water? You may have just found it. Look at this nice 3 bedroom home, nestled in a nice wooded settling with a great view of the lake. Sit out on the open deck and enjoy the great view. Listen to loons, watch for Bald Eagles and watch a variety of other birds, deer and squirrels.
Watch fish swim by while standing on the dock. Island lake sub also come with shared access to almost 300 acres of association shared lake for leisure walks, hunting, ATVs and bike riding. Being sold mostly furnished, including the propane tank.
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4351 Earl Street, Gladwin (Alger) MI - SOLD!
Cute Secord Lake Cottage on 2 Waterfront Lots
Sandy Swimming and a Permanent Suspended Dock
2-3 Bedrooms, 1 Bath & a Shed
SOLD!!!
Are you looking for an affordable waterfront cottage on Secord lake with a sandy beach and lots of waterfrontage? You may have just found it! Check out this cozy waterfront cottage on 2 waterfront lots with nice sandy waterfront, great panoramic view, enclosed porch, knotty pine interior and "Up North" appeal! Truly a traditional up north cottage. This property comes with a nice sized shed and a park like picnic area with a firepit.
Friday, March 12, 2010
HGTV's FrontDoor.com Identifies Top 10 Things First-Time Homebuyers Should Know
KNOXVILLE, Tenn., Mar 08, 2010 (BUSINESS WIRE) -- Buying a home for the first time can be complex. To avoid mistakes and make a smart purchase, do the homework and know what to expect. To help start the process, HGTV's FrontDoor.com identifies the top 10 important points every first-time buyer must know.Read Article....
Monday, March 08, 2010
Property values decline across county
Gladwin County Record - March 2nd, 2010
For the first time in recent years, property values county-wide have decreased, and this decrease has affected all real estate sectors.
Residential properties have seen the biggest decrease in value. Across the county, residential values have decreased by a total of 11.27 percent. Beaverton, Bentley, and Grim townships, as well as the City of Beaverton saw their values fall by only 3 percent, while Bourret, Sherman, Grout and Secord townships experienced the largest decrease in value at 15-16 percent.
Tuesday, March 02, 2010
The Walk (2006)
(I put this together in April of 2006)
One last walk in the snow? I put together "The Walk" last early spring. I thought you might enjoy a walk around the woods with Angel and I.
"The Walk"
"The Walk"
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Property Taxes and appealing your assessment: Guidelines for REALTORS® to pass along to their buyers
It’s that time of year again – homeowners have started to receive their 2010 property tax assessments in the mail. Over the last few years, homeowners have been frustrated by their assessed value increasing, while their property value has decreased because of the economic downturn. This is due to current law that allows a home’s taxable value to increase each year by either the rate of inflation or 5%, whichever is lower. However, this tax year is particularly interesting because Michigan has a negative inflation rate. So, almost every homeowner should see a property tax decrease of at least .3%.Real More... (PDF File)
Thursday, February 25, 2010
A Piece of Michigan History
This is a short movie of Michigan 60 years ago.
Sleeping Bear Dunes, Traverse City, Sprikehorn in Harrison and more!
Movie was made in 1949 -- pre-Mackinaw bridge and I-75 days....very interesting.
Sleeping Bear Dunes, Traverse City, Sprikehorn in Harrison and more!
Movie was made in 1949 -- pre-Mackinaw bridge and I-75 days....very interesting.
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