Happy Valentine’s Day from Josh Gidcumb & CU Realty Group!

Happy Valentine's Day!

 

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February 14, 2013 · 7:12 pm

We’re Counting Down the Top 5 Housing Trends in Winter 2013

Trend #5: New Mortgage and Servicing Rules

There is a series of new mortgage and servicing rules is in the process of being unveiled in early 2013. These rules will reshape the mortgage industry and could affect consumers, for better or worse, once they go into effect.

The mortgage industry has long claimed that many of the rules could restrict lending and the availability of capital, making mortgages much harder to get. Consumer advocates and other industry observers say the announcement of these will actually bring clarity and more certainty to the market, making loans actually easier to get. Many of the rules, which resulted from the Dodd-Frank Wall Street Reform and Consumer Protection Act, have been in the works for about two years.

The main rule released so far requires lenders to verify that a borrower has the ability to repay the loan when getting a mortgage. The rule was designed to protect borrowers from the types of risky loans that led to the housing crash. The regulation had to be crafted with caution so that it wouldn’t restrict lending and hurt the housing recovery.

“We got what we thought we were going to get, so I don’t expect any dramatic changes for most borrowers,” in terms of getting approved for loans, says Anthony Hutchinson, a senior policy representative at the National Association of Realtors.

Check out my mortgage and affordability calculators

Read more: http://www.bankrate.com/finance/mortgages/housing-trends-winter-2013.aspx#ixzz2JJLTGLDW 
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You’ve heard the phrase that one man’s trash is another man’s treasure. You might even think of how that could apply to real estate – maybe that run-down distressed property can be rehabbed into a dream home.

Nit Whit RidgeBuilt by Arthur Harold Beal, aka Captain Nitt Wit or Der Tinkerpaw, the 90-year-old two-and-a-half acre home on the outskirts of Cambria, California. Beal, a local trash hauler, embarked on the project in 1928. A hoarder decades before obsessive collecting hit the reality TV circuit, the rubbish lover saved everything he could get his hands on. Over the course of nearly a lifetime, he taught himself basic construction skills, and, using trash, built and intricate network of terrace gardens, ornamental stone arches, buildings, fountains and walkways.

Read more about this unique piece of architecture and how it was built here.

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January 21, 2013 · 8:39 pm

Resolutions to Start the New Year Right

We’ve got New Year’s resolutions for your home that  you can achieve in one step.

Resolution #1: Make the most of your storage  space.
One-step solution: Donate or pitch everything  you haven’t used in a year.

goodwill donations

The first step in gaining storage space is  decluttering. We’ve got ideas for how  to responsibly get rid of hazardous materials, old technology, kids’ stuff,  books, and more. Bonus: It won’t cost you a penny.

Resolution #2 Use less energy.
One-step  solution: Install a programmable  thermostat.

programmable thermostat

The bulk of your energy costs in 2013 will be spent heating  and cooling your home. Put a dent in that bill with a thermostat that’ll  keep your house comfortable when you’re home to enjoy it, and saves energy when  you’re not. You’ll spend less than $100 for a basic model, and can save as much  as $180 per year.

Resolution #3: Beef up your  home security.
One-step solution: Install  outdoor motion  sensor lights.

motion sensor light
These lights, which plug into ordinary wall outlets,  provide a security boost by illuminating your home’s exterior when anything  moves outside. They take minutes to install and cost anywhere from  $13-$145.

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Filed under Buyers & Sellers, Investment Property, Topics For Home Owners, Valuable Information

If a picture is worth a thousand words…

four sell

I should have stopped and asked him how much he was selling it for.

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If you are Searching for Great Deals in Central and Southern Illinois look no further!

Search ALL Listings | View Residential | View Commercial

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Great New Price! Prime location for retail, food or office space.

 photo 4

 Priced to sell, offered at 64,900! This parcel has lots of flexibility. Great investment potential.

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Centrally located in high traffic count area near primary school, restaurants, gas station, 4-way stop and fronts Highway 14 East.

 Ready to make an offer? Contact Josh today at (217) 202-0571!

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Filed under Buyers & Sellers, Community Information, Hamilton County Community

The #1 Benefit of Working with a REALTOR is Insider Knowledge… Become a Market Insider TODAY!

But both buyers and sellers are often pleasantly surprised at the other  resources, strategic counsel and expertise their agents ultimately  provide. In a recent article from Trulia, Six Unexpected Advantages of Having the Right Agent,  lists some of the biggest benefits that catch them off-guard. Let me know what you think!

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Sign up to be a Market Insider… only takes a few minutes. Get FREE access to valuable market data right here.

CU Realty Group, LLC | Keller Williams Realty | 821 South Neil Street | Champaign | IL | 61821

 

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