making Super heros & Memories

If you are doing a new mortgage, and are working with a diligent lender, we are seeing closings happen in as little as 3 weeks from start to finish.  Industry standard is 30-45 days with the home inspection(s), appraisal, title work and mortgage process; the timeline varies depending on the type of mortgage you are utilizing.

I have had the pleasure of acquiring multiple preferred vendors and working with several honest, trustworthy, knowledgeable, and thorough inspectors that I am confident in referring to my clients.

• Pillar to Post: Richard Pack (810) 394- 3393
• 1^st Home Inspections: Tony Erdman (810) 691-3611
• Higher Ground: Gary LaVigne (810) 252-8852
• BT Home Inspections: Bob Derocher (810) 691-2729

Choosing the right lender is crucial to the overall success and outcome of the mortgage process. I recommend lenders who always put their clients first, and offer a variety of loan products and services to meet the needs of every client. Equally important is communication so that all parties are aware of where we are in the process and work together to reach our common goal: a successful closing on the client’s new home!  Below are a two lenders I frequently work with, I am delighted to share other options that would be pertinent for your needs.

• Jim Papatheodore: Mortgage 1, Inc.
  (810) 444-0024
  jim@loanjim.com
  To Pre-qualify: loanjim.com/prequalify
• David Scott: State Bank (810) 714-3965

Absolutely. This is very important for a few reasons; Getting a pre-approval lets you see how much you qualify for, what your monthly payment can be, and your out of pocket costs. It will provide accurate information so that you can shop confidently.  Many  sellers will also ask for the  buyers pre-approval letter before looking at their home. Another major benefit of getting pre-approved before searching for a home is the time it saves when you do have an accepted offer. If you choose your lender wisely, they can start the process of pre-underwriting your loan while you shop, so that the majority of the work is completed by the time you find a home and submit an offer, which also helps in your offer negotiations, and gets you in your new home much quicker!

First impressions are everything when selling your home. Studies show that the first two weeks on the market are the most crucial. During these initial days, your home will be exposed to all active buyers. If your price is perceived as too high, you will quickly lose this initial audience and find yourself relying only on the trickle of new buyers entering the market each day. You have one chance to grab attention. Your price should reflect how your home compares to the others offered for sale, and in comparison to homes that have sold similarly to yours. An experienced agent, and one knowledgeable of the local market, like myself, can provide that analysis of your home and give you a valuation that will price your home in a way that it will not sit on the market, or leave money on the table.

The Fenton community and surrounding areas have a vast variety of opportunity for all those that reside in the area.  Whether you enjoy nature, fishing, wineries, hiking, shopping, horse back riding,  fine dining, unique restaurants, fitness, museums, breweries, snow skiing, water sports, orchards, archery; just about anything you can imagine, it is offered in our area! There is one little unknown that I most commonly share with those new to our area: YMCA Camp Copneconic.  Camp Copneconic has been in our community since 1915 and is a 700 acre property that offers outdoor activities for all ages.  This is a year around camp center that offers daily, weekend, week long and summer camps that many enjoy throughout the year.