Timothy Osborn

Do not refinance! I am a seasoned Real Estate and Mortgage Broker in KY/OH/IN. Adjustable rate mortgages are good in situations where borrowers can control their risks and understand the consequences of their decision should market conditions change. What happens if you cant refinance in a few years when it adjusts? Many borrowers today are being foreclosed on because of their ARM's adjusting and they can't refinance. You are in a fixed rate mortgage and you have built equity in your home. Why would you want to loose your equity and risk your stability? Other options to consider are personal installment loans, short-term promissory loans at your local bank and/or a line-of-credit if your situation warrants a loan, but only utilize the ARM as your last resort. Don't risk your equity or potentially being in a future situation of loosing your home. JUST NOT WORTH IT! - Wed May 21 2008, 17:27

Got a couple of 100 + units in the Greater Cincinnati Ohio Market? Any interests? - Tue May 6 2008, 12:13

Consistency! Consistency is the number one characteristic that leads to success. Over the years I have observed many good agents fail in obtaining high levels of success because of inconsistency. - Tue May 6 2008, 12:10

First I would politely request the buyer to view the home since obviously a showing was scheduled. The request would not be made with the thought that the home would be purchased but on the thought that it can become a point of reference for comparing the value of the other properties being viewed. I.E.- A home overpriced with major repairs may make the next home priced within the market and with good appeal seam more likely to be desired. If the buyer said no, then I would go inside and leave a card. I would follow-up with showing reports to all listing agents whose properties were shown. - Tue May 6 2008, 12:07

How you choose, depends on what's best for you. Only you can determine your goals and through the interview process decide which realtor is best suited to meet your needs. Realtors love to sale themselves based on the number of homes sold and while that answer does yield to a level of market exposure it cannot replace the basics - who will listen to you, who best attempts to acheive your goals, what benefits are available to you when you work with them i.e. client based value services, one-stop-shopping services (if desired), home warranties, and post-closing services. Who best represents the values you have? Who will represent you?

Here's a quick list to review:

#1 - What costs are associated with utilizing your services and how are these costs offset by your value based services?

#2 - Are home warranty products and home service products available?

#3 - Is there a streamlined, one-stop-shopping service where one company can acheive all of my needs - selling, buying, financing, title services, and closing services.

#4 - How will you negotiate on my behalf and share with me some of your negotiation strategies and abilities.

#5 - What is your experience in the neighborhood I am buying or selling.

#6 - What are your credentials and how long have you been a Realtor and/or a real estate agent.

#7 - What real estate affiliations do you participate in as a member or affiliate.

#8 - What advantages will I receive by utilizing your services.

#9 - How will you handle my transaction from selling, acceptance, financing, and closing?

#10 - What resources of communication do you have available to communicate with me at my terms? I.E. - email-fax services, email, electronic services, voicemail, and transaction logs.

I hope these general thoughts help. Thanks! - Tue May 6 2008, 11:51