Autumn Additions

(Family Features)—Fall provides a time for fun and celebration, but it also can be an opportunity to refocus on taking care of your home both indoors and out.

These simple upgrade ideas can help you improve aesthetic appeal, upgrade safety, keep your home free from pests and save you time, resources and money.

Find more ideas for upgrading and updating your home at eLivingToday.com.

De-Bug Your Doors
Enjoy nature without all the pests by adding a protective barrier to your entryways, such as an ODL Brisa Retractable Screen Door. It can be installed over single, double and sliding doors, and can take just 30 minutes to install from start to finish. With one-touch entry and auto-slide open, it allows for easy access when your hands are full. When you’re not using it, you can use the secure locking latch or let it slide back into its cartridge.

Elegant Entry
With a low-profile cylinder, Baldwin’s Spyglass Entrance Set with Spyglass Levers offers an elegant, architecturally inspired design. With SmartKey re-key technology, the set is the ultimate in convenience and safety as it allows you to re-key your lock in seconds and has American National Standards Institute and Builders Hardware Manufacturers Association Grade 2 security features. Belonging to the premium Prestige Series, the Spyglass Entrance Set delivers effortless, accessible style and affordable luxury.

Get Smart About Laundry
Take a load off and let your washer’s technology do the work. Available in white or diamond gray, the top load laundry line from GE Appliances gives owners the power to pretreat stains or hand-wash delicates with an industry-first soapy water station, automatically dispense the right amount of detergent and fabric softener based on each individual load and control the load remotely through smart devices by using WiFi Connect.

Feel the Heat
If temperatures are dropping and a warm blanket isn’t doing the trick on an especially chilly day, a space heater can help keep you cozy. Many options are light and portable, allowing you to move it from room to room as necessary. Rather than layering up to enjoy a lazy day on the couch, simply plug it in and choose the setting that’s right for maximum comfortability. Plus, by flipping the space heater switch rather than cranking up the heat, you can save money on energy bills.

Simple Shredding
One of fall’s obnoxious chores in the eyes of many is cleaning up leaves scattered about the yard. To help save time and energy, add a leaf shredder to your arsenal of lawn equipment. By shredding leaves rather than expending time and resources bagging and disposing them, you can improve the look of your yard without as much physical stress.

Mess-Free Mudroom
On cold days when a brisk chill sends you seeking indoor shelter, it can be easy to make a mess at the door with shoes and outerwear. Instead of a pile of garments greeting you each time you come home, add some structure to the mudroom with an organizer that allows you to hang coats and scarves and stow away shoes. While keeping clothes orderly, it can also help keep you and guests from tracking salt, mud and other messes throughout the house.

Source: Family Features Editorial Syndicate

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$38,900 :: 8131 MEADOW Avenue, Warren MI, 48089

Property Photo

2 beds, 1 bath
Home size: 1,128 sq ft
Lot Size: 3,484 sq ft
Added: 10/06/17, Last Updated: 10/10/17
Property Type: Single Family
MLS Number: 217090568
Community: Warren
Tract: MAPLES
The price of this listing was last reduced on 10/9/2017 by 0%
Status: Active

Investment property, ready to rent, cashflow, 20% return, low taxes, low maintenance ranch home, newer vinyl siding, some newer windows, new carpet, new vinyl floor kitchen, fresh paint, newer water tank, over 1100sq’, huge living room, dining area in kitchen, large laundry room, covered porch, city certified rental inspection passed summer 2017, immediate possession, owner is licensed real estate broker in the state of Michigan

Listed with Palmer Realty 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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Crowdfunding Your Way Into a Home

Editor’s Note: This was originally published on RISMedia’s blog, Housecall. See what else is cookin’ now at blog.rismedia.com:

Crowdfunding has appeared in the real estate industry in a variety of forms: house flip investing, mortgage payoff and down payment support. High fees and legality issues have made it difficult for the popular funding method to be taken seriously within U.S. real estate markets.

A new crowdfunding platform—HomeFundMe—was recently launched by GMC Financial, a privately-held mortgage banking firm. This could be a game changer, since it’s the first crowdfunding service approved by Fannie Mae and Freddie Mac.

Here’s what GMC financial says about HomeFundMe:

  • No fees for using the service (Anything deposited into HomeFundMe can be used towards the buyer’s down payment.)
  • Better loan terms, more buying opportunities and the possibility of getting rid of or lowering mortgage insurance
  • Potential to receive a grant ranging from $1,000 to $2,500 in exchange for completing required homebuyer education or housing counseling.
  • Matching donations ($2 for every $1) up to the grant limits once the counseling is completed

While over 100 people have already used the platform, Fannie Mae and Freddie Mac have only approved the service on a trial basis until June 2018. The mortgage giants are keeping a close eye on results before giving it their stamp of approval.

There are a few caveats, of course. Borrowers must first be pre-approved for a mortgage by GMC Financial in order to use the crowdfunding service, which is limited to $7,500 in gifted funds. The loan must also be a Fannie Mae- or Freddie Mac-approved loan (their 30-, 20- and 15-year fixed loans are eligible, as well). In addition, borrowers must earn less than their area’s median income in order to qualify for matching contributions/grants.

This method will force borrowers into GMC Financial’s rates and fees. Millennial and Gen Z buyers, who are most likely to use such a service because of challenges in obtaining a down payment, will not be able to shop around for the lowest rate—a huge snag that may turn off borrowers from the crowdfunding service.

While other services charge fees and may complicate loan processing, borrowers will have to compare costs, as they may be able to save by using an alternative lender.

Here are some other crowdfunding options:

  • HomeFunded: 5 percent usage fee on total funds and 2.9 percent for processing each transaction
  • GoFundMe: 5 percent usage fee per donation and 2.9 percent plus $0.30 for processing each transaction
  • FeathertheNest: 5 percent usage fee per donation and 2.9 percent plus $0.30 for processing each transaction
  • Honeyfund: No usage fee and 2.8 percent plus $0.30 for processing each transaction

Keep in mind that these services may come with additional gifting restrictions in the lending world. Most Fannie, Freddie and FHA loans only allow gifted down payment funds from family and close friends. Loan processing may also be more time consuming if using these services, and you stand the chance of being rejected by lenders.

Crowdfunding may be a quicker way of amassing down payment reserves, but it can be a complicated process—extending your mortgage commitment dates or even threatening your loan approval. It may, however, be a useful option for borrowers who are dealing with high student loan or other debt payments and can’t afford to save.

If given final approval, HomeFundMe may open the door to a widespread financial backing of crowdfunding services in the real estate industry.

Liz Dominguez is RISMedia’s associate content editor. Email her your real estate news ideas at ldominguez@rismedia.com.

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$2,650,000 :: 5801 STREEFKERK DR, Warren MI, 48092-3196

Property Photo

0 beds, 6 baths
Home size: 36,411 sq ft
Lot Size: 39,204 sq ft
Added: 07/06/17, Last Updated: 10/08/17
Property Type: Multi Family
MLS Number: 21317543
Community: Warren (50023)
Tract: ST ANNE’S ARDEN PARK # 02
Status: Sold

Silverstone Apartments consists of 60 One-bedroom units located in the strong rental market area of Mound & 14 Mile in north Warren, MI. 100% OCCUPIED with private entry. The property consists of two separate buildings on premier corners leading into a quiet residential neighborhood. The historical occupancy is excellent at 99.9% for many years. NEW ROOFS. NEW BALCONIES & STAIRS. NEW WATER HEATERS. RENOVATED UNITS. RENOVATED EXTERIOR. NEW PARKING LOTS. Opportunity to continue to increase rents as the market continues to climb. Warren is the third largest city in Michigan with a population of 135,358, making it Metro Detroit’s largest suburb. Located in Macomb County about 15 miles north of downtown Detroit. Warren is home to a many businesses, shopping, entertainment and restaurants including General Motors Technical Center, Chrysler, the United States Army and Art Van Furniture.**DO NOT APPROACH TENANTS**

Listed with Keller Williams Domain Birmingham


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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$141,500 :: 2366 GEOFFRY DR, Warren MI, 48092

Property Photo

3 beds, 2 baths
Home size: 1,256 sq ft
Lot Size: 7,840 sq ft
Added: 08/14/17, Last Updated: 10/07/17
Property Type: Single Family
MLS Number: 21355280
Community: Warren (50023)
Tract: WILDWOOD PARK
Status: Sold

**MULTIPLE OFFERS – HIGHEST AND BEST DUE SUNDAY 8/20 AT 9AM** WELCOMING BRICK RANCH ON QUIET STREET IN WARREN! THIS 3 BEDROOM, 1 1/2 BATHROOM PROPERTY FEATURES A 2-CAR ATTACHED GARAGE, FAMILY ROOM W/BRICK GAS FIREPLACE, FENCED-IN BACKYARD, HARDWOOD FLOORING, UPDATED KITCHEN W/WHITE CABINETS AND FULL COMPLEMENT OF APPLIANCES, FRESH COAT OF INTERIOR PAINT, LARGE LIVING ROOM W/PICTURE WINDOW, FINISHED BASEMENT W/RECREATION ROOM AND WET BAR & SPACIOUS OUTDOOR PATIO.

Listed with Keller Williams Rlty Northville Mkt Ctr


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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$141,500 :: 2366 Geoffry Drive, Warren MI, 48092

Property Photo

3 beds, 1.1 baths
Home size: 1,256 sq ft
Lot Size: 7,840 sq ft
Added: 08/14/17, Last Updated: 10/06/17
Property Type: Single Family
MLS Number: 217072715
Community: Warren
Tract: WILDWOOD PARK
Status: Sold

**MULTIPLE OFFERS – HIGHEST AND BEST DUE SUNDAY 8/20 AT 9AM** WELCOMING BRICK RANCH ON QUIET STREET IN WARREN! THIS 3 BEDROOM, 1 1/2 BATHROOM PROPERTY FEATURES A 2-CAR ATTACHED GARAGE, FAMILY ROOM W/BRICK GAS FIREPLACE, FENCED-IN BACKYARD, HARDWOOD FLOORING, UPDATED KITCHEN W/WHITE CABINETS AND FULL COMPLEMENT OF APPLIANCES, FRESH COAT OF INTERIOR PAINT, LARGE LIVING ROOM W/PICTURE WINDOW, FINISHED BASEMENT W/RECREATION ROOM AND WET BAR & SPACIOUS OUTDOOR PATIO.

Listed with Keller Williams Rlty Northville Mkt Ctr


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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$108,270 :: 27141 CAMPBELL RD, Warren MI, 48093

Warren, MI Properties
Property Photo

4 beds, 2 baths
Home size: 1,276 sq ft
Lot Size: 9,147 sq ft
Added: 07/14/17, Last Updated: 10/05/17
Property Type: Single Family
MLS Number: 21321211
Community: Warren (50023)
Tract: LEWIS I CARRIER CLOVERLY
Status: Sold

Great opportunity on this 4 bedroom, 2 full bath, home with a basement and a garage on a fenced lot. Home has great curp appeal with an enclosed front porch and a covered back deck. Two car detached garage. The yard has 2 large mulberry trees that are full of fruit. Main floor has a kitchen, formal dining room, living room, 2 bedrooms and a bath. Lots of original woodwork. Upstairs was used as a separate apartment in prior years with a 2nd kitchen, 2 bedrooms, family room, and full bath. Immediate occupancy available.

Listed with Realty Executives Main St 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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$104,900 :: 26055 Schoenherr, Warren MI, 48089

Warren, MI Properties
Property Photo

3 beds, 1 bath
Home size: 994 sq ft
Lot Size: 0 sq ft
Added: 09/08/17, Last Updated: 10/05/17
Property Type: Single Family
MLS Number: 217081312
Community: Warren
The price of this listing was last reduced on 9/8/2017 by 5%
Status: Pending

PERFECT FOR A YOUNG FAMILY OR FIRST TIME HOME BUYER! Updates everywhere! Kitchen and bathroom. This well maintained ranch comes with a HUGE kitchen/dining area. Huge yards. Perfect basement to finish off. Everything is VERY clean. Not far from 696 and minutes from shopping/dining. A very affordable house and just needs you to make it home!

Listed with M 1 Realty, 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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$102,000 :: 26867 CRYSTAL Avenue, Warren MI, 48091

Warren, MI Properties
Property Photo

3 beds, 1.1 baths
Home size: 1,364 sq ft
Lot Size: 11,761 sq ft
Added: 10/05/17, Last Updated: 10/05/17
Property Type: Single Family
MLS Number: 217090245
Community: Warren
Tract: S/P ELEVEN MILE LITTLE FARMS
Status: Active

HUD Home. Clean, sprawling, brick ranch in north Warren- ready for move-in! Walk in to gleaming hardwood floors in spacious living room with fireplace and adjacent dining area. Kitchen with abundant cabinets, all appliances included, even room for breakfast area. Expansive open basement waiting to be finished for added equity. This along with neutral paint throughout creates a blank canvas ready for your personal touches and endless potential. Featuring 2 and a half car garage, close proximity to freeways, dining, shopping and transportation, all this nestled on a large double size lot with mature trees! Schedule a private tour with an agent today!

Listed with Keller Williams Troy Mkt Cntr


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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$55,000 :: 24425 BOLAM Avenue, Warren MI, 48089

Warren, MI Properties
Property Photo

3 beds, 1 bath
Home size: 1,230 sq ft
Lot Size: 5,662 sq ft
Added: 10/04/17, Last Updated: 10/04/17
Property Type: Single Family
MLS Number: 217090020
Community: Warren
Tract: CEDAR PARK
Status: Active

This is a Fannie Mae Homepath Property. Great value not his awesome bungalow style home located close to schools, shopping and expressways. Property features and open floor plan, laundry area, living room and family room and a detached garage. All of this on a amazing lot with lots of privacy.

Listed with Eastern Realty 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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