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About Me
WELCOME TO the SHIPPENSBURG AREA - THE HEART OF THE CUMBERLAND VALLEY!
I have found it to be a great place to live and work, and I am grateful that I have been able to give back to this community.
LEARNING & GROWING WITH THE VALLEY:
My husband and I moved to Franklin County in1980, and have seen the area grow tremendously over the years as we raised our family here. Being 'a people person', I have loved teaching and HELPING PEOPLE LEARN. When our children were small I served on the local PTO, and later on the school district PTO Council. We have chosen to be active members at our local church, serving that community to the best of our ability, with God's help. As our children married and established homes of their own, it was my delight to work with them to make their first real estate investments, just as I have helped dozens of other young couples find and buy that special first home.
HUSBAND'S SUPPORT A GREAT ASSET for a FLEXIBLE SCHEDULE:
I am privileged to have a staunch supporter in my husband, Ray Heisey, whose understanding and timely wisdom have added greatly to my ability to serve my clients well. Ray is the Administrator at Roxbury Camp, tucked in the shadow of the Blue Mountains near the little town of Roxbury, where we have lived for 28 years. His generous servant's heart towards me and my clients has certainly benefited those for whom I have spent long hours searching out a buyer for their home, or sitting in consultation over the details of contract.
25+ YEARS--EXPERIENCE WHERE IT COUNTS:
FIRST-HOME-BUYERS--I have helped dozens of young couples purchase a home, walking them thru the sometimes daunting maze of questions they face.
SENIOR CITIZENS--Life experience, supplemented by Continuing education Classes, aid me in for working for seniors who are looking at the options available to turn their equity into a spendable resource. I know what that looks like- downsizing living space and the upkeep that is connected to that space, while maximizing independence in the golden years.
RELOCATION--I have also not forgotten what it was like to move into a new community and not quite know where I fit, having a multitude of questions that needed answered. It can be a stressful time on family.
I hope that you'll give me a chance to put my experience to work for you, whatever your situation.
REAL ESTATE IS STILL A GREAT INVESTMENT!
I am a firm believer in the potential of real estate as an investment, and will encourage you to consider it's benefits. I love the chance I get to interact with, and assist, members of my community who have questions about real estate, whether they are selling their own residence or choosing a rental property as a business investment.
CONTINUING EDUCATION YIELDS SERVICE WITH EXCELLENCE:
Real Estate is more than "a job" for me; it is a rewarding profession that has been steadily developed over more than two (2) decades of helping customers and clients make good real-estate decisions. CONTINUING EDUCATION IS A MUST for today's real estate professional! I continue to learn, so that I can serve my clients better. My promise is to make the real estate experience the best it can be for my clients. My dedication to giving them SERVICE with EXCELLENCE has made many friends as we have done business together.
CALL or E-MAIL ME today! I'd love to help you make that next move, here in our beautiful Cumberland Valley.
Disclaimer: Advice given or information shared on trulia or any other innernet site shall not be construed to establish an agency relationship of any kind. Consumers are advised to seek specific legal, financial or real estate advice from the professionals of their choice.
I have found it to be a great place to live and work, and I am grateful that I have been able to give back to this community.
LEARNING & GROWING WITH THE VALLEY:
My husband and I moved to Franklin County in1980, and have seen the area grow tremendously over the years as we raised our family here. Being 'a people person', I have loved teaching and HELPING PEOPLE LEARN. When our children were small I served on the local PTO, and later on the school district PTO Council. We have chosen to be active members at our local church, serving that community to the best of our ability, with God's help. As our children married and established homes of their own, it was my delight to work with them to make their first real estate investments, just as I have helped dozens of other young couples find and buy that special first home.
HUSBAND'S SUPPORT A GREAT ASSET for a FLEXIBLE SCHEDULE:
I am privileged to have a staunch supporter in my husband, Ray Heisey, whose understanding and timely wisdom have added greatly to my ability to serve my clients well. Ray is the Administrator at Roxbury Camp, tucked in the shadow of the Blue Mountains near the little town of Roxbury, where we have lived for 28 years. His generous servant's heart towards me and my clients has certainly benefited those for whom I have spent long hours searching out a buyer for their home, or sitting in consultation over the details of contract.
25+ YEARS--EXPERIENCE WHERE IT COUNTS:
FIRST-HOME-BUYERS--I have helped dozens of young couples purchase a home, walking them thru the sometimes daunting maze of questions they face.
SENIOR CITIZENS--Life experience, supplemented by Continuing education Classes, aid me in for working for seniors who are looking at the options available to turn their equity into a spendable resource. I know what that looks like- downsizing living space and the upkeep that is connected to that space, while maximizing independence in the golden years.
RELOCATION--I have also not forgotten what it was like to move into a new community and not quite know where I fit, having a multitude of questions that needed answered. It can be a stressful time on family.
I hope that you'll give me a chance to put my experience to work for you, whatever your situation.
REAL ESTATE IS STILL A GREAT INVESTMENT!
I am a firm believer in the potential of real estate as an investment, and will encourage you to consider it's benefits. I love the chance I get to interact with, and assist, members of my community who have questions about real estate, whether they are selling their own residence or choosing a rental property as a business investment.
CONTINUING EDUCATION YIELDS SERVICE WITH EXCELLENCE:
Real Estate is more than "a job" for me; it is a rewarding profession that has been steadily developed over more than two (2) decades of helping customers and clients make good real-estate decisions. CONTINUING EDUCATION IS A MUST for today's real estate professional! I continue to learn, so that I can serve my clients better. My promise is to make the real estate experience the best it can be for my clients. My dedication to giving them SERVICE with EXCELLENCE has made many friends as we have done business together.
CALL or E-MAIL ME today! I'd love to help you make that next move, here in our beautiful Cumberland Valley.
Disclaimer: Advice given or information shared on trulia or any other innernet site shall not be construed to establish an agency relationship of any kind. Consumers are advised to seek specific legal, financial or real estate advice from the professionals of their choice.
My Q&A
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Mim Heisey's Questions (0)
Mim Heisey's Answers (104)
Mim Heisey answered:
Lesli,
Asking your local Relator is probably the quickest way to get the names of several. We regularly work with inspectors on behalf of our clients, and can supply you with the names of 2 or 3.
Most inspectors belong to either ASHRI, NAcHI or NAHI- which are professional associations which have minimum inspection guidelines and codes of ethics.
When you contact a prospective inspector, I reccommend that you find out how long they have been 'in-the-trade'. Here as in selling your house, experience coounts!
Hope that helps
Asking your local Relator is probably the quickest way to get the names of several. We regularly work with inspectors on behalf of our clients, and can supply you with the names of 2 or 3.
Most inspectors belong to either ASHRI, NAcHI or NAHI- which are professional associations which have minimum inspection guidelines and codes of ethics.
When you contact a prospective inspector, I reccommend that you find out how long they have been 'in-the-trade'. Here as in selling your house, experience coounts!
Hope that helps
Mim Heisey answered:
Marie,
First of all thanks for the well stated question. Giving helpful information in an answer is so much more likely when there is good background info.
If you are looking to maximize your financial gain on the sale, a good experienced real estate agent is definitely a good option. If you want to get out fast and don't mind takingconsiderably less than market price for the home a buy-for-cash option might be what you are looking for. (Remember, buy-for-cash operations are expecting to make a PROFIT on your home, plus a sales commission when they resell it. If that is your desire, tell your realtor that you want to sell quickly, price it under the market and take away a nice piece of that profit yourself.
Susan makes a good point about checking with a tax advisor regarding tax consequences. It may be that selling on a contract for sale (someplaces it's called a land sales contract) or lease purchase would net you more, AFTER TAXES, than a straight out sale.
You have been offered help by several-- do the same interview process here that you would with anyone else you would hire. Check out their profile, and interview them. In a tough market it is especially important to hire an experienced professional who knows how to really market a home to sell, not just put it on the market.
One more thought: YOU and your REALTOR are part of the same team, and you each have responsibilities in preparing the marketing plan. Make sure you can work with them and TOGETHER you'll have better results.
Best wishes as you make your decision.
First of all thanks for the well stated question. Giving helpful information in an answer is so much more likely when there is good background info.
If you are looking to maximize your financial gain on the sale, a good experienced real estate agent is definitely a good option. If you want to get out fast and don't mind takingconsiderably less than market price for the home a buy-for-cash option might be what you are looking for. (Remember, buy-for-cash operations are expecting to make a PROFIT on your home, plus a sales commission when they resell it. If that is your desire, tell your realtor that you want to sell quickly, price it under the market and take away a nice piece of that profit yourself.
Susan makes a good point about checking with a tax advisor regarding tax consequences. It may be that selling on a contract for sale (someplaces it's called a land sales contract) or lease purchase would net you more, AFTER TAXES, than a straight out sale.
You have been offered help by several-- do the same interview process here that you would with anyone else you would hire. Check out their profile, and interview them. In a tough market it is especially important to hire an experienced professional who knows how to really market a home to sell, not just put it on the market.
One more thought: YOU and your REALTOR are part of the same team, and you each have responsibilities in preparing the marketing plan. Make sure you can work with them and TOGETHER you'll have better results.
Best wishes as you make your decision.
Mim Heisey answered:
Ann,
Sounds like you are making a good decision. Remember that when you allow youremotions to be involved on a purchase, you give up some of your negotiating skills.
Blessings as you look for--and FIND-- a home that will work for you.
Sounds like you are making a good decision. Remember that when you allow youremotions to be involved on a purchase, you give up some of your negotiating skills.
Blessings as you look for--and FIND-- a home that will work for you.
Ann,
Keep in mind that the property is on the market at a price at which the sellers are willing to sell. Anything else is negotiable between buyer and seller.
The seller takes a risk if they price too high that buyer don't even consider that home or make an offer. and YOUR risk of offering low is that another buyer may come in and you may not have a second chance to compete with that offer. More likely if the propertyis new on the market, but possible anytime.
May I give you some advice from someone who has been in the business of buying and selling homes for over 2 decades?--BOTTOM LINE is always this: compared to other properties that you see being offered for sale, what is it worth to you!! If it fits your family wonderfully, and you are going to live there for some time, a few dollars more or less will not seem so important compared to the enjoyment that home gives you. If you are not planning to live there for more than 1 or 2 years, maybe you should consider a rental.
Hope that helps
Keep in mind that the property is on the market at a price at which the sellers are willing to sell. Anything else is negotiable between buyer and seller.
The seller takes a risk if they price too high that buyer don't even consider that home or make an offer. and YOUR risk of offering low is that another buyer may come in and you may not have a second chance to compete with that offer. More likely if the propertyis new on the market, but possible anytime.
May I give you some advice from someone who has been in the business of buying and selling homes for over 2 decades?--BOTTOM LINE is always this: compared to other properties that you see being offered for sale, what is it worth to you!! If it fits your family wonderfully, and you are going to live there for some time, a few dollars more or less will not seem so important compared to the enjoyment that home gives you. If you are not planning to live there for more than 1 or 2 years, maybe you should consider a rental.
Hope that helps
Mim Heisey answered:
You did not say why you have such a low score, how much you make, or how much debt you owe. I cannot help you get a mortgage right now, but I can offer some good financial wisdom if you care to hear it. CLEAN UP YOUR CREDIT SCORE!! and wait to buy a home until you raise your credit score.
In my 20+ years of helping people buy homes, I have seen some suprising things. I have seen people with very modest incomes be able to buy a first home, while other people, with 2 or 3 times that income could not. The difference is that the first party did not spend more than they made and put away a little money every paycheck in savings.
A credit score of 563 is the result of choices you have made with your finances over a period of time. Choices have consequences. Not being able to get financing ( at least at an attractive market rate) is one of the consequences that follows the accumulation of that score.
You may be able to get a mortgage at at exhorbitant rate of interest, but will that really help you?
Loan sharks have money available to people who are desperate. Those desparate peolpe are soon MORE DESPERATE because they cannot pay the high cost of THAT loan.
You said that you are desperate:
Are you desperate enough to be disciplined over a period of time to pay every bill you have made?
Desperate enough to pay off credit cards, charge account etc??
Desperate enough to NOT BUY anything else that you cannot pay cash for-not adding ANYTHING to your debt load?
Desperate enough to start putting some money in savings as a cushion for emergencies???
It will take some time-- months, maybe years, but it can be done. You might not like the answer right now,
in 10 years you will be thankful that you did it.
In my 20+ years of helping people buy homes, I have seen some suprising things. I have seen people with very modest incomes be able to buy a first home, while other people, with 2 or 3 times that income could not. The difference is that the first party did not spend more than they made and put away a little money every paycheck in savings.
A credit score of 563 is the result of choices you have made with your finances over a period of time. Choices have consequences. Not being able to get financing ( at least at an attractive market rate) is one of the consequences that follows the accumulation of that score.
You may be able to get a mortgage at at exhorbitant rate of interest, but will that really help you?
Loan sharks have money available to people who are desperate. Those desparate peolpe are soon MORE DESPERATE because they cannot pay the high cost of THAT loan.
You said that you are desperate:
Are you desperate enough to be disciplined over a period of time to pay every bill you have made?
Desperate enough to pay off credit cards, charge account etc??
Desperate enough to NOT BUY anything else that you cannot pay cash for-not adding ANYTHING to your debt load?
Desperate enough to start putting some money in savings as a cushion for emergencies???
It will take some time-- months, maybe years, but it can be done. You might not like the answer right now,
in 10 years you will be thankful that you did it.
Mim Heisey answered:
If you feel that your tax assessment is out of line with other in the same tax base, you might start by talking to the tax assessment office. Here in Cumberland and Franklin Counties (S central PA) they are reasonable and will discuss it with you-- and the tax assessor is the one who makes that call.
Specialties
Specializing in helping 1st time home buyers and Senior Citizens
Experience
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REALTOR ASSOCIATE for HALE REAL ESTATE
I have been a REALTOR in the Cumberland Valley, of Central Pennsylvania (Chambersburg-Shippensburg-Newburg... ) for over 20 years. Currently serving the area as a REALTOR-Associate with HALE REAL ESTATE in Shippensburg, PA.
March 1984—present
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