$127,500 :: 3868 SUNFLOWER LN, Warren MI, 48091

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2 beds, 2 baths
Home size: 1,200 sq ft
Lot Size: 0 sq ft
Added: 02/13/18, Last Updated: 03/30/18
Property Type: Condo/Townhouse/Co-Op
MLS Number: 21413771
Community: Warren (50023)
Tract: SUNFLOWER VILLAS #724
Status: Sold

Move in ready ranch style condo located on quiet cal de sac. This spacious condo features 1200 sqft of open living space. Your living room features vaulted ceilings, lots of natural light and is open to your kitchen and dining area. Master bedroom has walk in closet and master en suite. large second room with lots of closet space. large main bathroom that has been updated. First floor laundry. Semi private backyard area off door-wall from dining room. Full unfinished basement. Direct access 2 car attached garage. Lots of updates which include- new roof 2017, newer windows, fresh paint throughout 2018, new doors 2018, new fixtures 2018, new appliances that stay with this condo and more! come see this beautiful condo today! HIGHEST AND BEST DUE 2/20/18 at 6PM

Listed with Real Estate One-Clinton Twp


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$35,216 :: 8222 STUDEBAKER AVE, Warren MI, 48089

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3 beds, 1 bath
Home size: 960 sq ft
Lot Size: 6,534 sq ft
Added: 01/30/18, Last Updated: 03/29/18
Property Type: Single Family
MLS Number: 21410006
Community: Warren (50023)
Tract: PIPER’S 3RD VAN DYKE FARM
Status: Sold

***MULTIPLE OFFER SITUATION. ALL HIGHEST, BEST & FINAL OFFERS DUE BY 10am ON 2/6/18*** Great opportunity to buy this 3 bedroom / 1 bathroom bungalow with detached 2 car garage and work shop on large corner lot. Excellent location close to shopping, bus lines and schools. Seller is not offering to lease or sale on land contract. All offers must have Proof of Funds or Pre-Approval Letter to be considered by Seller. Seller requires an earnest money deposit of at least 1% of sale price with $1000 minimum. BTVAI. Contact listing office for additional information.

Listed with Premier Property Services LLC


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$151,000 :: 4143 MCKINLEY AVE, Warren MI, 48091

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3 beds, 2 baths
Home size: 1,276 sq ft
Lot Size: 7,405 sq ft
Added: 03/13/18, Last Updated: 03/28/18
Property Type: Single Family
MLS Number: 21422377
Community: Warren (50023)
Status: Sold

ORIGINAL owner! Impeccably maintained! Open-floor concept for this lovely ranch. Kitchen updated a few years ago – great cabinets with pull-out drawers; granite counter-tops; offers additional seating at “bkfst bar.” Gorgeous HWF’s under the carpet; never exposed to the elements. Oversized 2 1/2 car detached garage. It’s winter-time but the lawn is beautifully maintained; underground sprinkler system helps!

Listed with Max Broock, REALTORS~-Bloomfield Hills


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Ask the Expert: Can a Home Inspection Help the Mortgage Process Along?

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Today’s Ask the Expert column features Dan Steward, president of Pillar To Post Home Inspectors.

Q: Should sellers get a home inspection to help the mortgage process along?

A: If you’re a seller, it behooves you to get your own home inspection prior to putting your house on the market. But why spend money on one when the buyer will surely get their own?

Buyers that see a recent home inspection along with the listing sheet already realize that the asking price of the home is likely justified. They can rest assured that there are no scary surprises waiting for them upon closing. And you can hasten an offer by having that report right in front of serious buyers when they’re considering putting in an offer.

This also establishes a sense of trust between the buyer and the seller from the start. It shows the buyer that you care enough to get details and minor problems with the house detected and fixed before they even put in an offer.

If your home inspector shows you minor items that may come up in the buyer’s home inspection, you can have the issues looked at and repaired before the buyer even has their report done. You will have time for bids on a job instead of rushing to pay a higher price for the work, or, worse, having to deduct from the agreed upon price. In fact, you can show the report and a receipt proving the problem was already addressed by a licensed professional.

Having a good report readily available also shows the buyer that you’ve most likely been maintaining the property all along, which is another terrific plus when selling.

Mitigating risk is key when selling a home. Since laws regarding disclosures vary from state to state, for the most part, you as the seller are responsible even after a closing if something has been hidden or unreported to the buyer. Taking the time to have your own inspection will allow you to have repairs made for a cost that suits your budget, instead of having to deal with credits the buyer may ask for as the result of their home inspection. By getting a pre-inspection, you have proof that home maintenance issues, to the best of your knowledge, didn’t exist at the time of sale.

The only instance when it may not pay for a seller to proceed with a pre-inspection is when they’re selling a fixer-upper. In this case, the buyer already knows what to expect, and they should have a thorough home inspection completed before signing on the dotted line.

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

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Think Twice About Debit Card Reward Programs

(TNS)—You don’t have to use a credit card to earn rewards on your daily purchases. Some banks reward debit card users with cash back, miles or points.

Online banks like Bank of Internet USA offer debit card rewards programs. Brick-and-mortar banks like SunTrust and Bank of America offer them, too. Discover recently beefed up its debit card rewards offering and expanded its program so that any customer could participate. Customers who open a cash-back checking account can earn 1 percent cash back on up to $3,000 in qualifying debit card purchases every month. Previously, customers earned 10 cents for every debit card purchase, online bill payment and written check, up to $10 per month.

“Discover saw an opportunity to allow customers to earn rewards while using debit cards for their everyday purchases and [it] is just another way that we help our customers save and build a brighter financial future,” says Arijit Roy, vice president of Deposits at Discover.

Few people would complain about making extra money just for using a debit card. Despite the allure of debit card rewards, however, they may not be as valuable as you think they are.

Debit Card Rewards, A Rare Bid
Few banks reward customers for using debit cards. These programs were more popular before the Dodd-Frank Act of 2010 was passed. The law—which Congress is currently reconsidering—included an amendment, the so-called Durbin amendment, that reduced debit card interchange fees that merchants pay financial institutions whenever a customer swipes a debit card issued by a big bank.

The Durbin amendment cost banks money. They ultimately made up for their lost revenue by taking steps like charging customers higher fees. Some institutions also ended their debit card rewards programs.

“Before the recession, there were more banks introducing debit card rewards,” says Jim Miller, senior director of the Banking Practice at J.D. Power. “When the interchange rates went down for debit cards, that made it much less attractive for banks.”

Of course, vanishing debit card rewards was never something worth crying about. “Even before Dodd-Frank, the reward incentive programs and loyalty programs still weren’t all that rich,” says Kevin Morrison, a senior analyst at Aite Group.

Better Off Using a Credit Card
Debit card rewards often pale in comparison to what consumers can gain from using a rewards credit card. Customers typically earn 1 percent cash back on debit card purchases. With some of the best rewards credit cards, cardholders can potentially earn as much as 6 percent cash back.

Similarly, it’s possible to earn two points or miles for every dollar spent with a rewards credit card. In a number of debit card rewards programs offered by banks, you might have to spend several dollars in order to earn a single point or mile. At Key Bank, for example, customers earn 1 point for every $6 spent on qualifying debit card purchases.

Brian Kelly, founder and CEO of The Points Guy, notes that there are other ways to earn rewards outside of the programs at banks—without using a credit card.

“Just keep in mind that you don’t necessarily need a specific debit card or checking account to get cash back on these purchases—you can go through a cash-back shopping portal like Ebates and potentially earn an even higher return on your spending (though the rewards wouldn’t be deposited immediately into your checking account),” Kelly says.

Look Beyond the Rewards
Opting to participate in a debit card rewards program involves a more important decision: choosing where and how you want to bank, Miller says. Making debit card rewards your primary justification for opening a checking account may not be the best way to choose your bank.

Whether a bank offers a debit card rewards program is something you might consider when comparing checking accounts, but you should really focus on other factors, like fees, minimum balance requirements, branch access and the quality of other products like CDs and savings accounts.

“Consumers should think about these debit card rewards incentives as a cherry on top—if you find a checking account that makes sense for you based on where you do most of your banking and the account features it offers, having the ability to earn cash back or other rewards is another nice-to-have feature,” Kelly says.

Before you get excited about a debit card rewards program, read the fine print. Find out whether there’s a cap on the amount of rewards you can earn, and check to see whether there are any fees that could reduce the value of your rewards.

Access to a debit card rewards programs could be beneficial, especially if it offers relationship rewards for shopping at your favorite stores. At Bank of Internet USA, for example, all debit card holders can earn exclusive cash-back offers from local and national retailers.

“Relationship rewards are probably the most sensible because that’s really talking about you being rewarded for not just your debit card, but your relationship with a financial institution,” Morrison says.

©2018 Bankrate.com
Distributed by Tribune Content Agency, LLC

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Buyers Have High Hopes for Spring

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Getting Equipped to Win

Buyers are flocking to the market this spring, with high hopes even as they face a frenzy of multiple-offer situations, according to new realtor.com® research.

Currently, inventory is down 8.5 percent year-over-year. In addition to the buyers out in droves for the first time, many have been on the hunt for a while. In fact, 40 percent of buyers have been looking for more than seven months; another 34 percent have been searching for four to six months. Moreover, 35 percent are anticipating “a lot” of competition this season.

“We’re only a few weeks into March and already seeing the market heat up,” says Danielle Hale, chief economist for realtor.com. “Holdover buyers hoping for greener pastures this spring are likely to find sparse options that require them to pay top-dollar or make other concessions.”

To combat competition, buyers are employing strategic tactics, like checking in daily on listing portals and getting notifications about prices, as well as above-asking offers and having a down payment higher than 20 percent.

“The majority of buyers are aware of the tough competition they’re up against this spring,” Hale says. “Having been in the market awhile, they’ve likely lost a few homes to better offers, which has given them more time to save and up their bidding strategies.”

Even against hurdles, buyers are optimistic—an impressive 60 percent believe they will close in the next six months, and 34 percent believe they will close in four to six months.

The data comes from more than 1,000 responses to a survey by Toluna.

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

Suzanne De Vita is RISMedia’s online news editor. Email her your real estate news ideas at sdevita@rismedia.com. For the latest real estate news and trends, bookmark RISMedia.com.

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$52,000 :: 3750 ALVINA, Warren MI, 48091

4 beds, 1 bath
Home size: 1,222 sq ft
Lot Size: 0 sq ft
Added: 03/24/18, Last Updated: 03/24/18
Property Type: Single Family
MLS Number: 230065
Community: Warren (50023)
Status: Sold

Listed with Real Living Kee Realty-WA


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$180,000 :: 32336 LANCASTER DR, Warren MI, 48088

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4 beds, 2 baths
Home size: 1,817 sq ft
Lot Size: 7,405 sq ft
Added: 11/27/17, Last Updated: 03/23/18
Property Type: Single Family
MLS Number: 21392588
Community: Warren (50023)
Tract: PRESCOTT PARK
The price of this listing was last reduced on 11/27/2017 by 7%
Status: Sold

Well kept 4 bedroom Colonial in a beautiful quiet subdivision with a fenced backyard, upgraded landscaping, and utility shed with electricity. Home has many updates (2017) – New large automated Marygrove Awning over 19×17 patio. New carpet and paint in living & dining rooms, stairs and up hallway; new crown moldings in living & dining rooms, new thermostat. New dishwasher just installed. All exterior brick on the home and chimney have been tuckpointed. Drapes cleaned. A large comfortable family room with gas fireplace overlooks the backyard patio; kitchen and eating area overlook the family room. Don’t miss out on this beauty – move in ready!

Listed with Century 21 Sakmar & Assoc


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$110,000 :: 21308 LE FEVER AVE, Warren MI, 48091

3 beds, 2 baths
Home size: 1,020 sq ft
Lot Size: 8,712 sq ft
Added: 03/21/18, Last Updated: 03/22/18
Property Type: Single Family
MLS Number: 21425818
Community: Warren (50023)
Tract: FITZGERALD HEIGHTS
Status: Pending

One owner home. Pool table in basement to stay.

Listed with RE/MAX In The Park, Inc


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$34,000 :: 27332 TOWNSEND AVE, Warren MI, 48092

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2 beds, 1 bath
Home size: 900 sq ft
Lot Size: 4,356 sq ft
Added: 12/04/17, Last Updated: 03/21/18
Property Type: Single Family
MLS Number: 21394677
Community: Warren (50023)
Tract: SUMERACKI’S VAN DYKE
Status: Sold

**Double Lot & Corner Lot 27336 Townsend Included In This Offering** This house is a rare find in this hot market, great schools, high pride of ownership area, double lot and corner lot provides tons of room for anything. Tremendous value here with instant equity, this is a great buy for anyone looking to make this house a home or an investor.

Listed with Temple Realty


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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