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- 19 Answers
- 7 First Answers
- 3 Useful Answers
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About Me
I love working with first time homebuyers!
REALTOR, One of only five Master Sales Professionals in Toledo, Ohio; member of Danberry Company, Realtors Management Team, Floyd Wickman Graduate, Mentor, Senior Housing Specialist, Marketing & Sale
About Me:
What makes me a special agent? I care about what happens to my buyers and sellers. Always. Firstly. Above all else. I believe in the get-by-giving philosophy and I truly want everyone I meet to see their glass as half FULL, not half empty. My mantra every morning is "Get Your Game Face On!"
Speaking of your glass being half full, if you live in or near Northwest (Toledo area) Ohio, I ask you to not pay attention to the negative local media whose glass is perennial half empty. Northwest Ohio has a lot of positive things happening now and is poised to become a true powerhouse in the future. 2007 was our FIFTH BEST YEAR in local real estate. Yes, there has been a normalization of value, but a normalization was needed.
If you want more information on the local market or details about your specific area, please don't hesitate to contact me. I have a great new tool called the "Market Snapshot" and it will keep you up to the minute on local sales in your neighborhood. All you have to do is ask me to sign you up and you will be automatically emailed every two to four weeks with sales in your area or homes on the market. It's FREE, it's easy, it's valuable.
You can Depend on Dee and the Danberry Difference -
Where the Difference is in the Details!
As with any important decision, using the expertise of a skilled professional will minimize your risks and increase your opportunities. As an agent with The Danberry Company Realtors, I can guide you through every step of the home buying or home selling process.
As a Danberry agent I am empowered to be a productive, compassionate, and competent real estate professional, while simultaneously am encouraged to balance my life by serving my community. I strive to build long term relationships based on superior customer care by providing comprehensive real estate and financial services that begin well before the sale and survive long after the closing.
Danberry Company Realtors is a company dedicated to excellence; using innovative real estate tools and technology to provide the highest quality services to our clients; above all preserving a belief in people.
Definition of a Team - A group organized to work together, in a cooperative effort, to achieve a common goal.
The Danberry Co., Realtors has nearly 400 members on its "Team" dedicated to helping you achieve your goals. But let's take that bonus one step further.
I am priveledged to be the Leader and Coach of a select group of dedicated, driven, and educated real estate professionals who take their jobs so seriously that they meet weekly to work on their skills and increase their knowledge. This weekly meeting is an important addition to the services that I can provide, since when you hire me, you get them as a subtle bonus.
We tour homes together, make suggestions as to saleability and marketability issues, discuss pricing strategies, and provide support and encouragement when the market is challenging.
Call Me Today!
Dee Nofziger, REALTOR
Danberry Co., Realtors
http://www.toledorealestateresource.com http://www.wemakeitworryfree.com http://www.findahometoledo.com http://www.RandomRealEstateBlog.com
http://www.ItsRainingRealEstate.com
We Make It Worry Free
Areas of Expertise
Senior Housing Specialist, Master Sales Professional, First Time Home Buyer Specialist, Finding Bank-Owned Properties for Buyers and Investors, New Listing and Expired Listing Specialist, FSBO Help, Current Market Conditions, Affifliations with Mortgage and Title ... Lucas County, Wood County, Fulton County, and Ottawa County ... Toledo area, including Heatherdowns, River, Old South End, Springfield, Tremainsville, Point Place, Holland, Swanton, Maumee, Ottawa Hills, Sylvania, Oregon, Waterville, Perrysburg, and surrounding areas.
My interests are simple ... reading, writing, and real estate!
REALTOR, One of only five Master Sales Professionals in Toledo, Ohio; member of Danberry Company, Realtors Management Team, Floyd Wickman Graduate, Mentor, Senior Housing Specialist, Marketing & Sale
About Me:
What makes me a special agent? I care about what happens to my buyers and sellers. Always. Firstly. Above all else. I believe in the get-by-giving philosophy and I truly want everyone I meet to see their glass as half FULL, not half empty. My mantra every morning is "Get Your Game Face On!"
Speaking of your glass being half full, if you live in or near Northwest (Toledo area) Ohio, I ask you to not pay attention to the negative local media whose glass is perennial half empty. Northwest Ohio has a lot of positive things happening now and is poised to become a true powerhouse in the future. 2007 was our FIFTH BEST YEAR in local real estate. Yes, there has been a normalization of value, but a normalization was needed.
If you want more information on the local market or details about your specific area, please don't hesitate to contact me. I have a great new tool called the "Market Snapshot" and it will keep you up to the minute on local sales in your neighborhood. All you have to do is ask me to sign you up and you will be automatically emailed every two to four weeks with sales in your area or homes on the market. It's FREE, it's easy, it's valuable.
You can Depend on Dee and the Danberry Difference -
Where the Difference is in the Details!
As with any important decision, using the expertise of a skilled professional will minimize your risks and increase your opportunities. As an agent with The Danberry Company Realtors, I can guide you through every step of the home buying or home selling process.
As a Danberry agent I am empowered to be a productive, compassionate, and competent real estate professional, while simultaneously am encouraged to balance my life by serving my community. I strive to build long term relationships based on superior customer care by providing comprehensive real estate and financial services that begin well before the sale and survive long after the closing.
Danberry Company Realtors is a company dedicated to excellence; using innovative real estate tools and technology to provide the highest quality services to our clients; above all preserving a belief in people.
Definition of a Team - A group organized to work together, in a cooperative effort, to achieve a common goal.
The Danberry Co., Realtors has nearly 400 members on its "Team" dedicated to helping you achieve your goals. But let's take that bonus one step further.
I am priveledged to be the Leader and Coach of a select group of dedicated, driven, and educated real estate professionals who take their jobs so seriously that they meet weekly to work on their skills and increase their knowledge. This weekly meeting is an important addition to the services that I can provide, since when you hire me, you get them as a subtle bonus.
We tour homes together, make suggestions as to saleability and marketability issues, discuss pricing strategies, and provide support and encouragement when the market is challenging.
Call Me Today!
Dee Nofziger, REALTOR
Danberry Co., Realtors
http://www.toledorealestateresource.com http://www.wemakeitworryfree.com http://www.findahometoledo.com http://www.RandomRealEstateBlog.com
http://www.ItsRainingRealEstate.com
We Make It Worry Free
Areas of Expertise
Senior Housing Specialist, Master Sales Professional, First Time Home Buyer Specialist, Finding Bank-Owned Properties for Buyers and Investors, New Listing and Expired Listing Specialist, FSBO Help, Current Market Conditions, Affifliations with Mortgage and Title ... Lucas County, Wood County, Fulton County, and Ottawa County ... Toledo area, including Heatherdowns, River, Old South End, Springfield, Tremainsville, Point Place, Holland, Swanton, Maumee, Ottawa Hills, Sylvania, Oregon, Waterville, Perrysburg, and surrounding areas.
My interests are simple ... reading, writing, and real estate!
My Q&A
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Dee Nofziger…'s Questions (0)
Dee Nofziger…'s Answers (19)
Dee Nofziger_Toledo, OH Real Estate answered:
If this is an investment property you will absolutely need 20% down. That's just how it is. Period. If this is for personal purchase, then it will need to be an FHA to get 3-5%. Most conventional mortgages right now are a minimum of 10%. Condos are 20%. FHA is the way to go, but cannot be used for investment property and must meet certain requirements.
And don't be saying it's for personal use if you're actually doing an investment, because they are auditing a HUGE number of transactions PRE-closing.
And don't be saying it's for personal use if you're actually doing an investment, because they are auditing a HUGE number of transactions PRE-closing.
Dee Nofziger_Toledo, OH Real Estate answered:
Hi Sharonda,
Lending rules and regulations are changing on a daily basis right now. It could be that the first appraisal raised a few red flags if perhaps the home is in an area where there are few comparable sales in the last 6 months. Appraisers are given very little leeway lately.
Also, an FYI for you - one of the lenders I work with told me this week that many FHA loans will now be audited once they are given a clear to close. So expect a little time dealy because of this extra step.
The best course of action for you is to be patient. Hard, I know, when you are anxious to get moved in!
Best of luck - and don't be afraid to ask your realtor or lender for a better explanation of what's going on. I'm sure they'll be glad to discuss it with you.
Lending rules and regulations are changing on a daily basis right now. It could be that the first appraisal raised a few red flags if perhaps the home is in an area where there are few comparable sales in the last 6 months. Appraisers are given very little leeway lately.
Also, an FYI for you - one of the lenders I work with told me this week that many FHA loans will now be audited once they are given a clear to close. So expect a little time dealy because of this extra step.
The best course of action for you is to be patient. Hard, I know, when you are anxious to get moved in!
Best of luck - and don't be afraid to ask your realtor or lender for a better explanation of what's going on. I'm sure they'll be glad to discuss it with you.
Dee Nofziger_Toledo, OH Real Estate answered:
There truthfully has never been a better time to be a buyer. Even a first time home buyer.
Interest rates are still low, low, low and while 99% of loans will now require a downpayment, minimum is only about 3%.
VA loans do not require down payment and the seller can pay closing costs and prepaids.
FHA is the most popular form of financing right now, but you will need 3-5% most likely. Still, that;s a long way off from the 20% needed when I bought my first home 25 years ago!
I think Wells Fargo is offering a 1 year/1% buy down for the month of October.
And I agree with the answer below, too - this is not a recession.
Interest rates are still low, low, low and while 99% of loans will now require a downpayment, minimum is only about 3%.
VA loans do not require down payment and the seller can pay closing costs and prepaids.
FHA is the most popular form of financing right now, but you will need 3-5% most likely. Still, that;s a long way off from the 20% needed when I bought my first home 25 years ago!
I think Wells Fargo is offering a 1 year/1% buy down for the month of October.
And I agree with the answer below, too - this is not a recession.
Dee Nofziger_Toledo, OH Real Estate answered:
The best advice to give you is to work with a reputable lender who has been referred by someone you trust and to find a professional FULL-TIME real estate agent the same way. These two professionals will guide you through the process and act in your best interests. Especially with auctions and foreclosures.
Specifically, congratulations on having 3% to put down. Many buyers don't have that much and almost all 100% financing is over with at midnight on Sept. 30th, 2008.
Good luck, but in the meantime keep putting money aside each week to go towards purchasing a home. In these economic climates you simply can't go wrong by purchasing real estate - as long as it's at the correct price vs. value of the area.
Warmest Regards,
Dee Nofziger
Specifically, congratulations on having 3% to put down. Many buyers don't have that much and almost all 100% financing is over with at midnight on Sept. 30th, 2008.
Good luck, but in the meantime keep putting money aside each week to go towards purchasing a home. In these economic climates you simply can't go wrong by purchasing real estate - as long as it's at the correct price vs. value of the area.
Warmest Regards,
Dee Nofziger
Dee Nofziger_Toledo, OH Real Estate answered:
I'm not sure about the specifics of your question, but if you've received an offer from a buyer, to verify their seriousness it is mandantory that they have included a bona fide preapproval letter from their lender. The lender should also be with a company that you are familiar with. Don't be afraid to ask for them for a preapproval from your own lender or to personally call their lender to verify. Most preapprovals are free, so this shouldn't be a problem.
Also, while not mandatory, an offer of earnest money would be helpful. If they have an immediate "investment", such as earnest money, then you know that first of all, they actually have some cash and second, that they are willing to risk that cash. (The definition of "earnest" is fervent, purposeful, determined, resolute, serious, sincere. Earnest implies having a purpose and being steadily and soberly eager in pursuing it.)
Hope this helps.
Also, while not mandatory, an offer of earnest money would be helpful. If they have an immediate "investment", such as earnest money, then you know that first of all, they actually have some cash and second, that they are willing to risk that cash. (The definition of "earnest" is fervent, purposeful, determined, resolute, serious, sincere. Earnest implies having a purpose and being steadily and soberly eager in pursuing it.)
Hope this helps.
My Listings
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Specialties
Senior Housing Specialist, Master Sales Professional, First Time Home Buyer Specialist, Finding Bank-Owned Properties for Buyers and Investors, New Listing and Expired Listing Specialist, FSBO Help, Current Market Conditions, Affifliations with Mortgage and Title ... Lucas County, Wood County, Fulton County, and Ottawa County ... Toledo area, including Heatherdowns, River, Old South End, Springfield, Tremainsville, Point Place, Holland, Swanton, Maumee, Ottawa Hills, Sylvania, Oregon, Waterville, Perrysburg, and surrounding areas.
______________________________________________________
Senior Housing Specialist
As a Senior Housing SpecialistTM, I have taken the initiative to expand my knowledge about the specific needs and issues affecting the over 55 client. An intensive education course is required to earn the SHSTM Certificate. I am also in the process of obtaining my Senior Real Estate Specialist (SRESTM) designation.
As part of my education, I was exposed to the tax issues, estate planning and equity conversion needs of the senior client, as well as the shared experiences of every generation and how that experience affects values, ideals, goals and behavior.
The goal of the SHSTM and SRESTM professional is to build a strong relationship with the client and a successful relationship with other professionals who are part of the "team" working toward the highest and best interests of the mature adult client. These professionals include estate planners, real estate attorneys, long term health care professionals, area offices on aging support, reverse mortgage specialists, and may others.
Your hard work ethic and sacrifice have earned you the right to special attention, so if you feel you are in need of a Senior Housing SpecialistTM, please feel free to call me today for an appointment. I look forward to helping you reap the rewards you deserve.
______________________________________________________
Senior Housing Specialist
As a Senior Housing SpecialistTM, I have taken the initiative to expand my knowledge about the specific needs and issues affecting the over 55 client. An intensive education course is required to earn the SHSTM Certificate. I am also in the process of obtaining my Senior Real Estate Specialist (SRESTM) designation.
As part of my education, I was exposed to the tax issues, estate planning and equity conversion needs of the senior client, as well as the shared experiences of every generation and how that experience affects values, ideals, goals and behavior.
The goal of the SHSTM and SRESTM professional is to build a strong relationship with the client and a successful relationship with other professionals who are part of the "team" working toward the highest and best interests of the mature adult client. These professionals include estate planners, real estate attorneys, long term health care professionals, area offices on aging support, reverse mortgage specialists, and may others.
Your hard work ethic and sacrifice have earned you the right to special attention, so if you feel you are in need of a Senior Housing SpecialistTM, please feel free to call me today for an appointment. I look forward to helping you reap the rewards you deserve.
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