$32,900 :: 11412 METTER Avenue, Warren MI, 48089

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3 beds, 1 bath
Home size: 962 sq ft
Lot Size: 12,632 sq ft
Added: 12/03/17, Last Updated: 12/03/17
Property Type: Single Family
MLS Number: 217106778
Community: Warren
Tract: S/P METTERS SMALL FARMS
Status: Active

3 BED, 1 BATH, RANCH, CRAWL, HUGE GARAGE, DEEP LOT, WILL NEED COMPLETE UPDATE. SOLD AS IS. BROKER OWNED

Listed with Braven Enterprises 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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$130,000 :: 25316 PINE VIEW, Warren MI, 48091

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3 beds, 1 bath
Home size: 1,574 sq ft
Lot Size: 0 sq ft
Added: 12/02/17, Last Updated: 12/02/17
Property Type: Single Family
MLS Number: 21394448
Community: Warren (50023)
Tract: S/P QUALMAN’S EVERGREEN G
Status: Active

What curb appeal as you pull up to this house situated on almost a half acre! Quaint street with beautiful homes on large lots! Beautiful hardwood floors in living & dining rooms! Kitchen has beautiful wood cabinets with modern handles and ceramic back splash and large window overlooking the back yard! Large ceramic tile floor completes the look. 3 large bedrooms with spacious closets! The laundry room is HUGE with Large built in storage cabinets. Spacious breezeway connects the house and the garage. The garage has built in cabinets and shelving. Plenty of space for family gatherings in the gigantic back yard with mature trees.

Listed with Fresh Start Homes


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Cleaning House on the Quick and Cheap

We once met a woman who loved to clean house. She said it gave her a feeling of accomplishment. For many, however, it’s a thankless chore, and the sooner done, the better.

Consumer editors at Woman’s Day Magazine and the DIY Network offer seven ways to save time and money and still keep your home sparkling clean:

All-purpose cleaners – No need to buy cleaning solutions for a single purpose. Fill a squirt bottle with four tablespoons of baking soda and a quart of warm water. Use it to clean kitchen counters, appliances, inside the fridge and more—or add one-third cup vinegar to a quart of water to clean glass, countertops and even floors.

Burnt food on burners – Remove burnt-on food from stove burners by soaking them overnight in a zip-lock bag filled with a cup of ammonia.

Burnt food in pans – No need to throw out or replace that badly burnt pan. Heat a cup of white vinegar in it until warm. Remove from the heat and mix in two tablespoons of baking powder. After 15 minutes, rinse with warm water and voila!

Microwave magic – To degrease and clean the inside of your microwave, cook one half-cup of water mixed with one half-cup of vinegar in it for two minutes. A clean rag should wipe the mess right off.

Forget paper towels – They’re expensive and they often leave a residue. Buy a pack of micro-fiber cleaning rags that will clean better and can be used over and over again.

Zap the sponge – It’s a breeding ground for bacteria. Disinfect it often by squeezing it out and microwaving it on high for a minute. No need to replace it until it is shredding or smelly.

Shower curtain bath – If mold or mildew are attacking the shower curtain, throw it in the washing machine with a few towels, which will help scrub it, then hang it back up to dry.

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$125,000 :: 4246 MARTIN RD, Warren MI, 48092

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3 beds, 1 bath
Home size: 904 sq ft
Lot Size: 7,405 sq ft
Added: 09/27/17, Last Updated: 11/30/17
Property Type: Single Family
MLS Number: 21373268
Community: Warren (50023)
Tract: MORNINGSIDE MANOR # 03
Status: Sold

SO YOU WANT LOCATION AND CURB APPEAL, YOU’LL FIND IT HERE. SOLID 3 BEDROOM BRICK RANCH HOME RIGHT DOWN THE STREET FROM “BUTCHER” PARK (PLAYGROUND, BASEBALL FIELDS, AND GAZEBO FOR THE SUMMER GET TOGETHERS)-HOME FEATURES INC: WOOD FLOORS THROUGHOUT, SPACIOUS LIVING ROOM WITH LARGE PICTURE WINDOW-HUGE KITCHEN WITH AMPLE TABLE SPACE AND LOADS OF CUPBOARDS (APPLIANCES INCLUDED)FULL BASEMENT, READY TO FINISH THE WAY YOU’D LIKE IT-AWESOME 24 X 22 FT GARAGE, PERFECT FOR THE ONE WHO LIKES TO TINKER-WONDERFUL FENCED IN BACKYARD THAT OFFERS PLUM, APPLE AND CHEERY TREES READY TO ENJOY. SCHOOLS FOR THIS HOME ARE “SIERSMA” ELEMENTARY, NEARBY “BEER” MIDDLE SCHOOL AND “WARREN MOTT” HS. QUICK ACCESS TO 696-X-WAY, TAKES YOU TO ST. CLAIR SHORES, UP TO SELFRIDGE A. N. G. BASE OR DOWNTOWN DETROIT FOR WEEKEND FUN, OCCUPANCY IS NEGO. THANK YOU!!

Listed with Century 21 Row


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$89,999 :: 21030 LE FEVER Avenue, Warren MI, 48091

3 beds, 2 baths
Home size: 1,024 sq ft
Lot Size: 7,405 sq ft
Added: 11/29/17, Last Updated: 11/29/17
Property Type: Single Family
MLS Number: 217105888
Community: Warren
Tract: FITZGERALD HEIGHTS
Status: Active

Pride of ownership shows in this south warren ranch! Clean three bedroom with a non conforming bedroom in the partially finished basement, and a 1/2 Bath with a shower. The spacious backyard is perfect for entertaining. Don’t miss this solid brick ranch it is priced to sell.

Listed with RE/MAX Nexus


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Homes in Major Markets Realize Thousands in One Year

Homes in major markets have realized over $10,000 in the last year in value, according to the October Zillow® Real Estate Market Report. In fact, the median nationally has risen over $12,500. Appreciation is highest in the San Jose, Calif., metropolitan area, where prices have soared $118,200, or 12.3 percent, to a median $1,076,400. Nationally, there are now 11.7 percent fewer homes for sale compared to one year ago.

“We are in the midst of an inventory crisis that shows no signs of waning, impacting potential buyers all across the country,” says Dr. Svenja Gudell, chief economist at Zillow. “Home values are growing at a historically fast pace, and those potential buyers want to get in the market while they still can. But with homes gaining so much value in just one year, buyers—especially first-time buyers—have to set aside more and more money for a down payment just to keep up with them. Unfortunately, there’s just not enough homes for sale, and demand will continue to drive prices higher until we reach a better balance between supply and demand.”

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

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How Much Do You Know About Your Credit Score?

While your credit score affects everything from your ability to buy a car or a home to how much interest you will pay on the loan, many people don’t know how these scores are calculated or what impacts them positively or negatively.

Moreover, says the Credit Federation of America (CFA), more than 25 percent of respondents in a recent survey did not know that a low credit score could increase the cost of a car loan by $5,000. More than half didn’t realize that utility companies, cellphone companies, and even insurers sometimes check credit scores before issuing services—or that multiple inquiries in a short time, as when you are shopping for a loan, are treated as one inquiry in order to minimize the impact on your score.

The CFA provides more about credit scores that every consumer should know:

All your credit scores are not the same. Most people assume their credit score is a single three-digit number, but each of the three major credit bureaus (Experian, Equifax, and TransUnion) scores you differently, since they don’t necessarily have the exact same data in their files.

Closing old accounts will not necessarily boost your scores. Closing old or inactive accounts may inadvertently lower your credit score because now your credit history appears shorter. If you want to simplify, close newer credit accounts first, or put the cards away so you don’t use them, but your credit history stays intact.

Paying off a bad debt will not erase it from your score. Once a debt goes to collection, or you’ve established a history of late payments, you will deal with the consequences even if you pay off what you owe. It will show as paid, but it is not erased. Also, while your score will get a boost if you pay off an old debt, it may not be by as much as you think. The best way to increase your scores and keep them high is to make payments on time every month over the long haul.

Co-signing for a loan impacts your scores. When you co-sign for someone else’s loan, you are responsible for the debt—and if the person your co-signed for does not pay, your credit score will be impacted.

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4 Ways to Pay Off Your Mortgage Early

(TNS)—If you can afford it, it might be simple to pay off your mortgage earlier. But should you? That’s a complicated question.

Homeowners with low mortgage rates may be better off putting extra money in a Roth IRA or 401(k), both of which might offer a higher return than paying off the mortgage.

Then there’s the college aid factor. If you’re applying for need-based aid for your kids, that home equity could count against you with some colleges because some institutions view equity as money in the bank.

If, after those caveats, you want to pay off your mortgage early, here are four ways to make it happen.

  1. Refinance with a shorter-term mortgage.
    You can pay off the mortgage in another 15 years by refinancing into a 15-year mortgage.

Let’s say you got a 30-year fixed-rate mortgage for $200,000 at 4.5 percent. Then, five years later, you can refinance into a 15-year loan at 4 percent. Doing so pays off the mortgage 10 years earlier and saves more than $60,000 (if you exclude closing costs on the refi).

Those shorter-term mortgages often carry interest rates a quarter of a percentage point to three-quarters of a percentage point lower than their 30-year counterparts.

Refinancing isn’t quick or free. It requires filling out the application, providing documentation and having an appraiser visit. There are closing costs.

And even with a lower interest rate, that quicker payoff means higher monthly payments. And this method is a lot less flexible. If you decide that you don’t have the extra money one month to put toward the mortgage, you’re locked in anyway.

Unless the new interest rate is lower than the old rate, there’s no point in refinancing. Without a lower rate, you’ll get all the same benefits (and none of the extra costs) by just increasing your payment a sufficient amount.

  1. Pay a little more each month.
    Divide your monthly principal and interest by 12 and add that amount to your monthly payment for a year. Result: You make the equivalent of 13 payments in 12 months.

Let’s say you got a $200,000 mortgage at 4.5 percent. After five years of making the minimum payments, you add an extra 1/12 of a month’s principal and interest to each monthly payment. Doing so pays off the mortgage three years and three months earlier and saves more than $18,000 interest.

Before you make anything beyond the regular payment, call your mortgage servicer and find out exactly what you need to do so that your extra payments will be correctly applied to your loan.

Let them know you want to pay “more aggressively” and ask the best ways to do that.

Some servicers may require a note with the extra money or directions on the notation line of the check.

In any event, if you’re putting extra money toward your loan, always check the next statement to make sure it’s been properly applied.

  1. Make an extra mortgage payment every year.
    Instead of paying a little more each month, make one extra monthly payment each year. One way to do this is to save 1/12 of a payment every month, and then make an extra payment after every 12 months. This gives you the flexibility to use the extra savings for something else if a more pressing expense arises.

Let’s say you do this starting the first month after getting a 30-year mortgage for $200,000 at 4.5 percent. That would save more than $27,000 interest, and you would pay off the mortgage four years and three months earlier.

  1. Throw ‘found’ money at the mortgage.
    Get a bonus? A tax refund? An unexpected windfall? However it ends up in your hands, you can funnel some or all of your newfound money toward your mortgage.

Let’s say you got a 30-year, fixed-rate mortgage for $200,000 at 4.5 percent. Then, five years later, you can make an extra $10,000 lump-sum payment. Doing so pays off the mortgage two years and four months earlier, and saves more than $19,000 in interest.

The upside: You’re paying extra only when you’re flush. And those additional payments toward the principal will cut the total interest on your loan.

The downside: It’s irregular, so it’s hard to predict the mortgage payoff date. If you throw too much at the mortgage, you won’t have money for other needs.

©2017 Bankrate.com

Distributed by Tribune Content Agency, LLC

This article is intended for informational purposes only and should not be construed as professional advice. The opinions expressed in this article are those of the author and do not necessarily reflect the position of RISMedia.

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$54,500 :: 13649 JULIUS AVE, Warren MI, 48089

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3 beds, 1 bath
Home size: 884 sq ft
Lot Size: 7,840 sq ft
Added: 11/25/17, Last Updated: 11/25/17
Property Type: Single Family
MLS Number: 21392467
Community: Warren (50023)
Tract: KAISER GARDENS
Status: Active

**TENANT OCCUPIED. BUYER TO ASSUME CURRENT TENANT LEASE** Updated rental property includes; brand new electrical system & panel, 2014 HWH, 8 YO furnace and A/C, newer gutters and newer roof. Fresh paint and new carpet – hardwoods underneath. 2 car garage & deep fenced in lot.

Listed with John Graham Realty, 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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$120,000 :: 11503 Hanford Dr, Warren MI, 48093

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3 beds, 2 baths
Home size: 1,167 sq ft
Lot Size: 0 sq ft
Added: 10/06/17, Last Updated: 11/24/17
Property Type: Single Family
MLS Number: 31332606
Community: Warren (50023)
Tract: Eva Gardens # 01
Status: Sold

Perfect location and nice neighborhood! You will love the comfort of your living room, the ease of preparing meals in your kitchen, the double closets in the bedrooms, one and a half baths and the doorwall in the third bedroom (owner enjoyed it as a dining room) that overlooks the pretty yard. The finished basement has a separate utility area, workshop, pantry and plenty of storage closets. Oversized two car garage is great for all your toys, a workbench and/or storage! Get the keys at closing, add your personal touches and move right in!

Listed with Higbie Maxon Agney 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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