Well, I heard on the news that 8 million people will get their rebates on Monday, Tuesday, Wednesday, None on Thursday and the rest on Friday!
Please think about how you will spend yours carefully. You may be able to buy a house with that money! We have a lender that has a special program for several counties in Pennsylvania where you only need 1% of your own money to get in a home of your own!
Think about it...a $1200 rebate could put you and your family in a $120,000 home of your very own if you qualify!
Isn't it worth checking out? E-mail me john@brokersrealty.com or better yet call me on my cell phone (717) 554-7430 for more details!
York Haven, York County - Announcing a price reduction on 299 Stevens Road, a commercial. Now $549,900 - Reduced!.
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Note that this information is outdated.
WOW! Seats are going fast! We only opened up for reservations on April 12th and already 12 seats are reserved! Don't delay send in your reservation request and start the process to get your seat. Remember, we will be touring properties we have cherry picked from all that is out there to bring you some of the very best values and opportunites. And you will be on the bus with a team of professionals to educate and guide you.
I know we are all struggling with the gasoline prices, heating oil and propane are out of control as we all well know.
The first time I filled my propane tank around Thanksgiving it was about $700. Then in January I had a stroke when it cost $1200 to fill the tank. And if I thought that was "bad" I should have called the undertaker then!
Today we called to get a 1/2 a tank 250 gallons>>>>$987!!!
How does Washington think Americans are paying these energy costs? I've paid out $3000 for heating in 5 months. We used to do it for $1200 a year.
This summer, I guess I am going to need to seriously look into removing my propane fireplace and installing a coal stove in its place.
Thank YOU MOTHER NATURE for bringing SPRING!
But, for many I fear it may be too late. They have has to choose between gas to go to work, fuel to heat or creditors to pay.
I am starting to think that Washington just "Doesn't GET IT". ANY OF THE PARTIES.
We need to get someone in Washington to figure out a way to get relief to the people. And now I see they are calling for $4 a gallon gas by June....
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Blue Mountain Lake Estates, East Stroudsburg - We invite everyone to visit our open house at 453 Birch Terrace on March 29 from 1:00 AM to 3:00 AM.
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Newberry Township, Etters - Announcing a price reduction on 1225 Old Trail Rd, a single story. Now $200,000 - Price REDUCED!.
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Lots of R-O-O-M
• 3,214 sq. ft., 3 bath, 4 bdrm colonial "Stone Accents" - 
MLS® $399,900 - Gorgeous Home Awaits!
Blue Mountain Lake Estates, East Stroudsburg - This elegant colonial boasts the extras you deserve! Whirlppol tub and seperate shower in the master bath, stone faced fireplace, vaulted master bedroom ceiling, 9' first floor ceilings, daylight walkout basement with expansion possibilites, first floor laundry plus an office! And what a view from all the windows on the back side of the home and from the dining deck.
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Good question, prospective home buyer!
And the answer depends on so many things, but really focuses on:
Credit Scores, your "mid" score needs to be 620 or better. What is a "mid" score? Well there are three main Credit Information Repositories--Trans Union, Equifax, and Experian. So that means that 2 out of your 3 scored must be 620 or better. Make sense so far?
IF your scores are 620 or better than you may qualify for a mortgage with as little as 1% of your own money into the purchase, or possibly even 100% financing. However with the 100% programs the seller may be limited as to how much of your closing costs can be paid by them. It will vary fro, 3 to 6% of the loan amount.
OK, but John, my "mid" score is only 570, can I do anything? The answer is maybe. You may qualify for an FHA loan that is guaranteed by HUD and allows more lenient credit, HOWEVER you will need to have a minimum of 3% of your own money to put in the deal.
As your credit score falls, the amount of the down payment you will need rises. And so will things like Private Mortgage Insurance Rates, your Homeowners insurance rate, and the interest rate on the loan.
Veterans still have the option of using the VA Guaranteed Home Loan, where they in theory can get into a home with "no money". But that only happens IF the seller pays all their costs for them. Realistically, veterans will still need to have $1000 to $3000 in to most purchases at a minimum.
Everyones financing situation is different, and not all Lenders do all the types of loans. I strongly suggest that you sit down with an experienced Realtor so theu can reccomend several lenders that may be able to assist you.
And be prepeared to gather documents, and information for the Loan Officer. The quicker a Loan Officer gets accurate and complete information, the quicker they can get you a loan decision.
Right now, as a Buyer, you want to make your offer as strong as possible so you can negotiate a deal that works to get you in the home. Too many Buyers are thinking they can "beat the hell out of the seller", that too a point can be counter productive. Remember, at todays LOW rates that "extra" $500 you feel you need to beat the seller up over, is only going to "save" you ten cents a day.
My two cents worth is to be fair, you never know when you may need the old home owner to help you out donw the road with infromation on the house. And if you werre to tough to deal with when they sold you the home, they may not want to help you later.
If you are thinking about buying a home, business or commercial property, please call me.
John Ranville, Broker, Realtor, CSP, RECS, LTRS Certified
Personal Cell # 717-554-7430
Here it is right off the HUD site! The powers that be have raised the limits. But how ridiculous to raise Pike Counties to over $700,000, HELLO folks, do your realize its a rural county? Oh well, go figure and take advantage of these new limits to get a property with FHA financing!
FHA Mortgage Limits List - FHA Forward
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Message: MORTGAGE LIMITS SUCCESSFULLY COMPLETED Mortgage maximums as of Wednesday March 05, 2008(67 records were selected, records 1 through 50 displayed) | MSA Name | MSA Code | Division | County Name | County
Code | State | One-Family | Two-Family | Three-Family | Four-Family | Last Revised |
| GETTYSBURG, PA (MICRO) | 23900 | | ADAMS | 001 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| PITTSBURGH, PA (MSA) | 38300 | | ALLEGHENY | 003 | PA | $327,500 | $419,250 | $506,800 | $629,800 | 03/05/2008 |
| PITTSBURGH, PA (MSA) | 38300 | | ARMSTRONG | 005 | PA | $327,500 | $419,250 | $506,800 | $629,800 | 03/05/2008 |
| PITTSBURGH, PA (MSA) | 38300 | | BEAVER | 007 | PA | $327,500 | $419,250 | $506,800 | $629,800 | 03/05/2008 |
| NON-METRO | 99999 | | BEDFORD | 009 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| READING, PA (MSA) | 39740 | | BERKS | 011 | PA | $300,000 | $384,050 | $464,200 | $576,900 | 03/05/2008 |
| ALTOONA, PA (MSA) | 11020 | | BLAIR | 013 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| SAYRE, PA (MICRO) | 42380 | | BRADFORD | 015 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| PHILADELPHIA, PA METROPOLITAN DIVISION | 37980 | 37964 | BUCKS | 017 | PA | $420,000 | $537,650 | $649,900 | $807,700 | 03/05/2008 |
| PITTSBURGH, PA (MSA) | 38300 | | BUTLER | 019 | PA | $327,500 | $419,250 | $506,800 | $629,800 | 03/05/2008 |
| JOHNSTOWN, PA (MSA) | 27780 | | CAMBRIA | 021 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| NON-METRO | 99999 | | CAMERON | 023 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (MSA) | 10900 | | CARBON | 025 | PA | $402,500 | $515,250 | $622,850 | $774,050 | 03/05/2008 |
| STATE COLLEGE, PA (MSA) | 44300 | | CENTRE | 027 | PA | $280,000 | $358,450 | $433,250 | $538,450 | 03/05/2008 |
| PHILADELPHIA, PA METROPOLITAN DIVISION | 37980 | 37964 | CHESTER | 029 | PA | $420,000 | $537,650 | $649,900 | $807,700 | 03/05/2008 |
| NON-METRO | 99999 | | CLARION | 031 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| DUBOIS, PA (MICRO) | 20180 | | CLEARFIELD | 033 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| LOCK HAVEN, PA (MICRO) | 30820 | | CLINTON | 035 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| BLOOMSBURG-BERWICK, PA (MICRO) | 14100 | | COLUMBIA | 037 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| MEADVILLE, PA (MICRO) | 32740 | | CRAWFORD | 039 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| HARRISBURG-CARLISLE, PA (MSA) | 25420 | | CUMBERLAND | 041 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| HARRISBURG-CARLISLE, PA (MSA) | 25420 | | DAUPHIN | 043 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| PHILADELPHIA, PA METROPOLITAN DIVISION | 37980 | 37964 | DELAWARE | 045 | PA | $420,000 | $537,650 | $649,900 | $807,700 | 03/05/2008 |
| ST. MARYS, PA (MICRO) | 41260 | | ELK | 047 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| ERIE, PA (MSA) | 21500 | | ERIE | 049 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| PITTSBURGH, PA (MSA) | 38300 | | FAYETTE | 051 | PA | $327,500 | $419,250 | $506,800 | $629,800 | 03/05/2008 |
| NON-METRO | 99999 | | FOREST | 053 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| CHAMBERSBURG, PA (MICRO) | 16540 | | FRANKLIN | 055 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| NON-METRO | 99999 | | FULTON | 057 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| NON-METRO | 99999 | | GREENE | 059 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| HUNTINGDON, PA (MICRO) | 26500 | | HUNTINGDON | 061 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| INDIANA, PA (MICRO) | 26860 | | INDIANA | 063 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| NON-METRO | 99999 | | JEFFERSON | 065 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| NON-METRO | 99999 | | JUNIATA | 067 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| SCRANTON--WILKES-BARRE, PA (MSA) | 42540 | | LACKAWANNA | 069 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| LANCASTER, PA (MSA) | 29540 | | LANCASTER | 071 | PA | $383,750 | $491,250 | $593,800 | $738,000 | 03/05/2008 |
| NEW CASTLE, PA (MICRO) | 35260 | | LAWRENCE | 073 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| LEBANON, PA (MSA) | 30140 | | LEBANON | 075 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (MSA) | 10900 | | LEHIGH | 077 | PA | $402,500 | $515,250 | $622,850 | $774,050 | 03/05/2008 |
| SCRANTON--WILKES-BARRE, PA (MSA) | 42540 | | LUZERNE | 079 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| WILLIAMSPORT, PA (MSA) | 48700 | | LYCOMING | 081 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| BRADFORD, PA (MICRO) | 14620 | | MCKEAN | 083 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (MSA) | 49660 | | MERCER | 085 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| LEWISTOWN, PA (MICRO) | 30380 | | MIFFLIN | 087 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| EAST STROUDSBURG, PA (MICRO) | 20700 | | MONROE | 089 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| PHILADELPHIA, PA METROPOLITAN DIVISION | 37980 | 37964 | MONTGOMERY | 091 | PA | $420,000 | $537,650 | $649,900 | $807,700 | 03/05/2008 |
| BLOOMSBURG-BERWICK, PA (MICRO) | 14100 | | MONTOUR | 093 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (MSA) | 10900 | | NORTHAMPTON | 095 | PA | $402,500 | $515,250 | $622,850 | $774,050 | 03/05/2008 |
| SUNBURY, PA (MICRO) | 44980 | | NORTHUMBERLAND | 097 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| HARRISBURG-CARLISLE, PA (MSA) | 25420 | | PERRY | 099 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| MSA Name | MSA Code | Division | County Name | County
Code | State | One-Family | Two-Family | Three-Family | Four-Family | Last Revised |
| PHILADELPHIA, PA METROPOLITAN DIVISION | 37980 | 37964 | PHILADELPHIA | 101 | PA | $420,000 | $537,650 | $649,900 | $807,700 | 03/05/2008 |
| NEWARK-UNION, NJ-PA METROPOLITAN DIVISION | 35620 | 35084 | PIKE | 103 | PA | $729,750 | $934,200 | $1,129,250 | $1,403,400 | 03/05/2008 |
| NON-METRO | 99999 | | POTTER | 105 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| POTTSVILLE, PA (MICRO) | 39060 | | SCHUYLKILL | 107 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| SELINSGROVE, PA (MICRO) | 42780 | | SNYDER | 109 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| SOMERSET, PA (MICRO) | 43740 | | SOMERSET | 111 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| NON-METRO | 99999 | | SULLIVAN | 113 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| NON-METRO | 99999 | | SUSQUEHANNA | 115 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| NON-METRO | 99999 | | TIOGA | 117 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| LEWISBURG, PA (MICRO) | 30260 | | UNION | 119 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| OIL CITY, PA (MICRO) | 36340 | | VENANGO | 121 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| WARREN, PA (MICRO) | 47620 | | WARREN | 123 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| PITTSBURGH, PA (MSA) | 38300 | | WASHINGTON | 125 | PA | $327,500 | $419,250 | $506,800 | $629,800 | 03/05/2008 |
| NON-METRO | 99999 | | WAYNE | 127 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| PITTSBURGH, PA (MSA) | 38300 | | WESTMORELAND | 129 | PA | $327,500 | $419,250 | $506,800 | $629,800 | 03/05/2008 |
| SCRANTON--WILKES-BARRE, PA (MSA) | 42540 | | WYOMING | 131 | PA | $271,050 | $347,000 | $419,400 | $521,250 | 03/05/2008 |
| YORK-HANOVER, PA (MSA) | 49620 | | YORK | 133 | PA | $425,000 | $544,050 | $657,650 | $817,300 | 03/05/2008 |
5 Reasons to use a VA Home Loan
Get up to $417,000 towards your home
Buy a home with NO downpayment
Lock in Historically Low Rates!
Refinance to Lower Monthly Payments
Get Cash for Purchases and Remodeling
We have just completed a special Veterans Benefits page on our web site to help sort out the "hows and whys". My team of Realtors are here ready to help you go from DD-214 to the HUD-1 when you get your keys. The forms you need are right on our site to make it easy.
We have also set it up so you can download the VA HOME LOAN GUIDE so you can better understand the process and exactly what the VA Home Loan Guarantee does for you. There are many misconceptions, that it is hard to use, etc.. We have done hundreds of them for veterans and their families over the last 20 years.
Newberry Township, Etters - Announcing a price reduction on 1225 Old Trail Rd, a single story. Now $399,900 - Price REDUCED!.
Property information
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| |  | Pennsylvania Consumer Notice
This is NOT a contract, but what you need to know BEFORE you engage a real estate agent in Pennsylvania.
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| |  | 7 Common Mistakes Buyers Make
Easy mistakes to avoid, IF you are aware of them!
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| | | Lender Checklist
All the items the lender will need from you, to process your mortgage applicaiton. Be prepared, it will save you time and make the process simpler.
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Know what the risks and rewards are with each type of mortgage. The more educated you are, the simpler the process will be.
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| | | 5 Factors that Impact Your Credit Score
You should know what they look at for your scoring.
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| | | 6 Creative Ways to Afford a Home
Never say never! If you're willing to explore other options, there may be a way to get a home of your own.
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| | | 8 Tips to Guide For Your Home Search
These common sense tips will make your search faster, easier and less stressful.
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| | | 10 Questions to Ask Your Lender
Be an informed consumer. It will reduce your stress if you know what to ask!
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| | | Tax Benefits of Home Ownership
You always hear about these so called benefits, but how much money will it mean to you?
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| | | What a Home Inspection Should Cover
Know what your paying for and why.
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| | | Take the Stress OUT of Homebuying
Buying a home should be fun, not a nail biter!
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| | | What NOT to Overlook at a Final Walk Through
It's your last chance to cehck out the property to insure it is the way it was supposed to be, so make sure you check all these items.
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| | | Why You Should Work With a REALTOR
There is a difference. Check it out!
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| | | What's a Home Warranty?
What does it cover? Do I need it?
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| | | VA Home Loans
Veterans find out how easy it is to take advantage of one of the Benefits you have earned! This 14 page report will answer your questions or gettiing your first mortgage, refinancing your current mortgage and what you need to know to ask the lenders.
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| | | 5 Feng Shui Concepts to Help a Home Sell
Put this famous power to the test!
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| | | 5 Things to do Before Putting Your Home on the Market
These few things may make the difference in just how quickly your property sells.
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| | | 12 Questions to Ask When Choosing Your REALTOR
Not all Real Estate Agents are created equal. And not all Real Estate Agents are REALTORS. Why?
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| | | Low Cost Ways to Spruce Up Your Home
A little bit of extra effort can shorten the process.
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| | | Does Moving Up Make Sense?
Don't move unless it is the right option for you.
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| | | How to Get an Offer on Your Home
These tips will simplify the process.
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| | | Moving Checklist for Sellers
This wil help organize the process for you.
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| | | Open House Safety Tips
Be prepared and be safe.
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| | | Simple Tips for Better Home Showings
Let's make the most of EVERY showing!
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| | | Understand Agency Relationships
This is a MUST READ! You must understand who is working for you!
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| | | Understanding Capital Gains in Real Estate
How much will you owe? Use this to easily calculate the numbers IF you would owe any money.
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| | | 1031 Tax Free Exchanges
What's involved, how does it "happen", what are the "rules", will your property qualify? Why do investors do it? How will it defer taxes and help you build wealth? 31 Page Report
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I am really surprised by just how busy all three of our regional offices are here this week---especially with the nasty weather. Most of our Realtors are working on not one or two deals, but multiples. One of my Realtors has to be the Builders hero of the day as he is writing up not one, but two sales in the same neighborhood the same day!
What's changed? Nothing, our Realtors have realized that our market is GOOOOOOOOOOOOOOOD, and the buyers are realizing the great deals are going to evaporate if they don't snag them now. Three of the new build deals I have seen were PHENOMENAL! Closing costs, and special finanicing ON TOP of reduced prices! WHAT A COUNTRY!
The resales are moving faster too! I have seen three sales over the $320,000 price THIS WEEK, and there were ZERO for the last two months. So as you can see the smart buyers are jumping in with BOTH feet.
Low rates, reduced pricese and consessions won't be here forever---don't be caught saying "I should have bought back in February".
I had the good fortune today to be included in a business meeting where a local engineer shared that several large residential and one huge commercial development were moving forward despite the so called slow down!
HOORAY! We need the powers that be to keep some of the development projects moving forward. As a Broker covering 12 counties I see TREMENDOUS need for NEW AFFORDABLE housing opportunites, and solid retail space with improved layouts and parking.
Interest rates continue to be AWESOME! Come on, stop thinking about it and get in the game! Buy a home, investment property, vacation home or business location while the rates are low and you can afford so much for so little!