$49,900 :: 13399 Sherman Avenue, Warren MI, 48089

Property Photo

3 beds, 1 bath
Home size: 1,158 sq ft
Lot Size: 4,356 sq ft
Added: 12/30/17, Last Updated: 12/30/17
Property Type: Single Family
MLS Number: 217112332
Community: Warren
Tract: JOHN F. KEYS KEYSLAWN ESTATES
Status: Active

This home is a great home and needs repairs. The kitchen needs remodeling as well as the bath. The upstairs had some animal entry which tore the drop ceiling however the entry point on the roof was repaired. It has great space and a lot of potential for the interested buyer. There would need to be a new furnace and hot water heater because they are not present.

Listed with Keller Williams Royal Oak Market Center


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$179,900 :: 4406 THORNWOOD CRT, Warren MI, 48092

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2 beds, 2 baths
Home size: 1,393 sq ft
Lot Size: 0 sq ft
Added: 12/29/17, Last Updated: 12/29/17
Property Type: Condo/Townhouse/Co-Op
MLS Number: 21400042
Community: Warren (50023)
Tract: PALMER WOODS ESTATES #439
Status: Active

Move in ready condo in private Gated Community. End Unit with brick paver patio. Hardwoodand tile floors throughout with new carpet in LR and DR. Deep Basementwith glass block windows. All appliances included and a one Year Home Warranty.

Listed with Keller Williams Rochester


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$109,900 :: 24271 CUNNINGHAM AVE, Warren MI, 48091

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3 beds, 2 baths
Home size: 888 sq ft
Lot Size: 6,534 sq ft
Added: 11/09/17, Last Updated: 12/28/17
Property Type: Single Family
MLS Number: 21388608
Community: Warren (50023)
Tract: S/P LADD CENTER
Status: Sold

Fantastic 3 bedroom ranch home ready for move in. Newly built in 1997 this charming house has it all. Comfortable great room with open look through into kitchen and nook. Oak kitchen includes range, dishwasher and refrigerator. 3 spacious bedrooms. Full bath is sparkling clean. Partially finished basement offers space to entertain, have TV room, office and bedroom. Full bath with shower in basement. Large laundry room and extra storage in basement. NEW 2013 roof. NEW 2014 Furnace, AC and water heater. NEW 2016 windows. Beautiful fenced yard with fire pit and side yard. Large 2+ car garage with entry door, electricity and opener. A TRUE GEM!! Fantastic home for you or for Invesment.

Listed with Keller Williams Domain Birmingham


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$152,000 :: 26826 PALOMINO AVE, Warren MI, 48089

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4 beds, 3 baths
Home size: 1,619 sq ft
Lot Size: 10,018 sq ft
Added: 10/18/17, Last Updated: 12/27/17
Property Type: Single Family
MLS Number: 21380969
Community: Warren (50023)
Tract: ST JOHNS # 03
Status: Sold

An open floor plan greets you into this warm, spacious 1619 sf home with separate great and family rooms, 4 bedrooms and 1 full and 2 half baths. The bright kitchen/breakfast area is large and invites you to entertain for the holidays! The master bedroom is off on its own and has its own half bath. The yard is large and fenced, and the property is close to shopping and expressways. Seller is related to agent.

Listed with Keller Williams Realty-Brighton


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$60,000 :: 23292 STEWART AVE, Warren MI, 48089

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2 beds, 1 bath
Home size: 926 sq ft
Lot Size: 4,356 sq ft
Added: 09/21/17, Last Updated: 12/26/17
Property Type: Single Family
MLS Number: 21371253
Community: Warren (50023)
Tract: SUPERVISOR’S CHESTERFIELD
The price of this listing was last reduced on 10/26/2017 by 14%
Status: Sold

Ready to move-in! Great starter home! Great Investment Property! Well maintained 2 bedroom bungalow with bonus room perfect for nursery or office. Recently updated kitchen and bath. Fenced in yard with covered patio. Roof, furnace, water heater in good condition. Insulated Crawl space. Pre-approvals required.

Listed with Creative R E Agency Inc


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Ask the Expert: How Can I Guide Clients Through the Home Inspection Process?

Today’s Ask the Expert column features Adam Long, president of HomeTeam Inspection Service.

Q: What can be done to guide clients through the home inspection process?

A: After being in business for 25 years and performing over a million inspections, HomeTeam Inspection Service has identified the top ways to ensure a smoother home inspection, contributing to happier clients and a better outcome.

Make It Convenient
The home inspection process—from scheduling to report delivery—should be convenient for everyone involved. Online scheduling, text messaging and electronic delivery of reports make convenience possible when it comes to the home inspection. If a home inspection company isn’t providing this, clients are missing out on the best possible experience.

Don’t Keep Them Waiting
Ten years ago, it was commonplace to wait five days or more for a home inspection, but today, consumers want it now. Plus, consumers are busier than ever today. They not only want a home inspection that can be performed soon, but also one that can be performed in half the time of the traditional three- to -four-hour inspection. That’s a large part of what makes HomeTeam successful. Our team approach allows for a faster inspection and more appointment slots each day.

Give Them Options
Clients only want to pay for services they need. While most home inspection companies offer a wide range of services, client needs vary, and the leading home inspection companies allow clients to schedule individual services like pest, mold and radon.

Ensure It’s Educational
A home inspector will not give a pass/fail grade on a home, but will give an objective assessment on the condition of the home during the inspection. Educating the client on their new home and how to maintain it is a sign of a professional inspector. Communicating information in a non-alarming manner is critical to helping clients absorb information and make prudent decisions. An inspector that’s accessible to answer questions onsite and after the inspection instills peace of mind in clients and makes them more confident in their purchase decision.

Deliver Accurate Reporting
In addition to a verbal report that the client receives onsite, the most professional inspection companies will furnish a narrative, electronic report that’s emailed to the client and agent. A narrative-style report is more detailed than a checklist-style report, putting forth a clearer picture of the home with less room for interpretation. Including photos and a summary helps the client easily identify any safety concerns or areas that warrant attention.

For more information, please visit www.hometeam.com.

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$100,000 :: 27411 NORMA, Warren MI, 48089

3 beds, 3 baths
Home size: 1,747 sq ft
Lot Size: 0 sq ft
Added: 12/23/17, Last Updated: 12/23/17
Property Type: Single Family
MLS Number: 372921
Community: Warren (50023)
Tract: ROYAL MANOR
Status: Sold

You’ll like this one! Very clean, great floorplan, 4 ft. crawl is bonus storage area andfeatures a cement floor! Look what is includedin price – just move in at closing (No soonerthan September 1, 1996).

Listed with Century 21 Town & Country-Clinton


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$89,000 :: 22348 KARAM CRT, Warren MI, 48091

3 beds, 2 baths
Home size: 937 sq ft
Lot Size: 7,405 sq ft
Added: 12/23/17, Last Updated: 12/23/17
Property Type: Single Family
MLS Number: 21399298
Community: Warren (50023)
Tract: KARAM’S SUNNYLANE # 02
Status: Active

Great price on Ranch house in Warren. Three bedrooms,two full bathrooms,finished basement,two car detached garage.Great neighborhood very quiet area.Must See.

Listed with RK Real Estate LLC


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$42,000 :: 7219 PROSPECT AVE, Warren MI, 48091

Property Photo

3 beds, 1 bath
Home size: 780 sq ft
Lot Size: 11,325 sq ft
Added: 09/21/17, Last Updated: 12/22/17
Property Type: Single Family
MLS Number: 21371339
Community: Warren (50023)
Tract: LEO A TEMROWSKI’S SUB
The price of this listing was last reduced on 9/22/2017 by 9%
Status: Sold

Great starter home or rental. 3 bedrooms 1 bath home includes Fridge and Stove. Updated kitchen and bath with 2 bedrooms 1st floor and 3rd bedroom on 2nd floor. Mud room has lots of storage area in rear of home. Home sits on a large fenced lot with a storage shed in rear of property. Why Rent when you can own!Buyers agent required for all showings. BATVAI.Buyer to verify all information.

Listed with Michigan Property Resource


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Ask the Right Questions Before You Switch Banks

(TNS)—If you’re fed up with high bank fees, poor service and low interest rates, you may want to switch banks.

There was a time when choosing a bank was not hard.

“You used to just decide if you wanted to get a toaster or a microwave when you opened a new account, or go to the bank with the most convenient branch,” says Mitchell Freedman, founder and head of MFAC Financial Advisors in Westlake Village, Calif.

But steep fees and strict rules abound, so comparison shopping is a must.

These questions can help you sort through the choices and find the bank that fits your needs.

How large a balance is needed to avoid fees?
A checking account that requires the customer to maintain a minimum balance to avoid monthly service fees doesn’t work for everyone. Let’s say you have a minimum balance requirement of $1,500. That’s pretty steep, especially if you’re paying bills and making everyday purchases from your checking account.

In addition to the monthly service fees, ask about other fees before you change banks. How much does the bank charge if you bounce a check? Is there a fee to close the account? What’s the charge to stop payment on a check? What’s the fee if you deposit a check from someone else that bounces?

“Be aware not only of the upfront price of opening an account, but of continuing requirements,” Freedman says. “Some accounts require a direct deposit or a recurring payment through their site to avoid monthly service fees.”

How high are the fees for out-of-network ATMs?
“Most banks and credit unions participate in a network of ATMs, but if you rely often on an ATM for withdrawals, you should check on the fee for using an out-of-network machine,” says Susan Weinstock, an expert in consumer financial protections and former director of a consumer banking project at The Pew Charitable Trusts.

“Usually there’s no fee for using one in your bank’s network, but your bank or credit union should disclose the fee it charges for using another network,” Weinstock says. “There’s also a fee from the ATM owner, and that will be disclosed on the ATM itself.”

Freedman says consumers who travel often may want to open an account with a national bank that offers ATMs around the country.

“ATM fees may be less important to people who don’t use them a lot or who choose a bank or credit union with an ATM convenient to their work or home,” Freedman says.

What are the overdraft protection options?
You hope you never have to rely on overdraft protection, but be sure you understand your options and their cost before you switch banks.

Weinstock says many consumers don’t understand that not signing up for overdraft protection can be a good thing. Your debit card will be declined or your check will bounce without it, but there’s no fee if you opt out of overdraft protection.

Overdraft fees for non-sufficient funds, or NSF, are big revenue for banks. People who overdraft regularly pay about $450 a year in overdraft fees, according to the Consumer Financial Protection Bureau.

“If you opt in for protection, the cheapest way to do it is usually to have funds transferred from a savings account, a line of credit or a credit card,” Weinstock says.

Consumers should compare the transfer fee, the overdraft penalty fee, the maximum number of times an overdraft penalty fee is applied per day, the minimum amount required to trigger an overdraft fee, and the extended overdraft penalty fee charged for each day the account is overdrawn.

“Overdraft protection is a double-edged sword,” Freedman says. “It can be terrific and enable you to lower your risk of a bounced check, but you could end up paying a high transaction fee and a hefty interest rate if you sign up for a line of credit.”

How soon are deposited funds available?
Some banks put a hold on certain types of deposits, but some deposits are credited instantly.

Federal Reserve regulations require that the first $200 of a non-“next-day” check be available the next business day after it’s deposited, but banks vary in how soon the rest of the deposit is available.

“Fund availability is extremely important, especially for people living paycheck to paycheck,” Weinstock says.

Some banks’ business day ends at 2 p.m.

“You need to check that information in their disclosure boxes,” Weinstock says.

Ask about the bank’s process for handling deposits and withdrawals. Most banks process a deposit first and then the withdrawals from the same day, but others credit the deposit last.

“Some banks handle the largest withdrawals before smaller ones that come in on the same day, which can make it more likely that you’ll overdraw multiple times,” Weinstock says.

How much interest is paid on deposit accounts?
Interest rates on deposit accounts are low, so some consumers may be tempted to skip this question. But Weinstock says you should find out whether your account pays interest.

“The problem is the interest rate changes often,” Weinstock says.

You can ask how often interest rates are changed and whether there are minimum balance or other requirements to earn interest.

Banks that try to attract more deposits will offer special high-interest accounts to customers who meet certain usage requirements such as multiple debit card transactions and direct deposit.

“Credit unions have been proliferating in recent years and often have lower fees and higher interest rates for deposits,” Freedman says.

Are mobile banking and online bill pay offered?
While most banks offer online bill-paying services, not all offer mobile banking. You need to determine how you use your bank to decide which features matter most to you. Some customers need a bank with longer branch hours because they need in-person services. Others want the option of doing everything online, Freedman says.

“While technology has made banking convenient, there’s also a higher risk of identity theft,” Freedman says. “Part of being a wise shopper should be to ask about what protection is in place against fraud. Some financial institutions will alert you to unusual activity, but with others, you may not know anything is wrong until you receive your bank statement.”

You may want to compare the mobile apps from one financial institution to another to see which ones are the most functional for your needs.

Are rewards programs offered?
Once you’ve asked about some of the basics such as bank fees, overdraft protection options and ATM fees, you may want to compare rewards programs available on some checking accounts and savings accounts. Some banks offer rewards only on their credit cards, while others also offer rewards to debit card users.

“You need to be honest with yourself as to what’s important to you and how you use your bank accounts,” Weinstock says. “Do you keep a cushion in your account or take it down to the last penny? Do you regularly have direct deposits made? These things will impact the type of account you choose and the financial institution you choose.”

If you qualify for a rewards program, Freedman recommends shopping for one that matches your interests before you switch banks.

©2017 Bankrate.com

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