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Buying or Selling a home can be one of the most stressful times in a life. However, it can also be the most exciting. Maggie will guide you through every step of the process making what could be a stressful and scary time a exciting and enjoyable experience.
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3 Questions to Ask Before Buying a Home

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If you are thinking about purchasing a home right now, you are surely getting a lot of advice. Though your friends and family have your best interests at heart, they may not be fully aware of your needs and what is currently happening in real estate. Let’s look at whether or not now is actually a good time for you to buy a home.

There are three questions you should ask before purchasing in today’s market:

1. Why am I buying a home in the first place?

This truly is the most important question to answer. Forget the finances for a minute. Why did you even begin to consider purchasing a home? For most, the reason has nothing to do with finances. A study by the Joint Center for Housing Studies at Harvard University reveals that the four major reasons people buy a home have nothing to do with money:

  • A good place to raise children and for them to get a good education
  • A place where you and your family feel safe
  • More space for you and your family
  • Control of the space

What non-financial benefits will you and your family derive from owning a home? The answer to that question should be the biggest reason you decide to purchase or not.

2. Where are home values headed?

When looking at future housing values, we like the Home Price Expectation Survey. Every quarter, Pulsenomics surveys a nationwide panel of over one hundred economists, real estate experts and investment & market strategists about where prices are headed over the next five years. They then average the projections of all 100+ experts into a single number.

Here is what the experts projected in the latest survey:

  • Home values will appreciate by 4.3% in 2014.
  • The cumulative appreciation will be 28% by 2018.
  • Even the experts making up the most bearish quartile of the survey still are projecting a cumulative appreciation of over 16.8% by 2018.

3. Where are mortgage interest rates headed?

A buyer must be concerned about more than just prices. The ‘long term cost’ of a home can be dramatically impacted by an increase in mortgage rates.

The Mortgage Bankers Association (MBA), the National Association of Realtors, Fannie Mae and Freddie Mac have all projected that mortgage interest rates will increase by approximately one full percentage over the next twelve months.

Bottom Line

Only you and your family can know for certain the right time to purchase a home. Answering these questions will help you make that decision.

December Existing-Home Sales Rise, 2013 Strongest in Seven Years

WASHINGTON (January 23, 2014) – Existing-home sales edged up in December, sales for all of 2013 were the highest since 2006, and median prices maintained strong growth, according to the National Association of Realtors®.

Total existing-home sales, which are completed transactions that include single-family homes, townhomes, condominiums and co-ops, increased 1.0 percent to a seasonally adjusted annual rate of 4.87 million in December from a downwardly revised 4.82 million in November, but are 0.6 percent below the 4.90 million-unit level in December 2012.

For all of 2013, there were 5.09 million sales, which is 9.1 percent higher than 2012. It was the strongest performance since 2006 when sales reached an unsustainably high 6.48 million at the close of the housing boom.

Lawrence Yun, NAR chief economist, said housing has experienced a healthy recovery over the past two years. “Existing-home sales have risen nearly 20 percent since 2011, with job growth, record low mortgage interest rates and a large pent-up demand driving the market,” he said. “We lost some momentum toward the end of 2013 from disappointing job growth and limited inventory, but we ended with a year that was close to normal given the size of our population.”

The national median existing-home price for all of 2013 was $197,100, which is 11.5 percent above the 2012 median of $176,800, and was the strongest gain since 2005 when it rose 12.4 percent.

The median existing-home price for all housing types in December was $198,000, up 9.9 percent from December 2012. Distressed homes – foreclosures and short sales – accounted for 14 percent of December sales, unchanged from November; they were 24 percent in December 2012. The shrinking share of distressed sales accounts for some of the price growth.

Ten percent of December sales were foreclosures, and 4 percent were short sales. Foreclosures sold for an average discount of 18 percent below market value in December, while short sales were discounted 13 percent.

Total housing inventory at the end of December fell 9.3 percent to 1.86 million existing homes available for sale, which represents a 4.6-month supply at the current sales pace, down from 5.1 months in November. Unsold inventory is 1.6 percent above a year ago, when there was a 4.5-month supply.

The median time on market for all homes was 72 days in December, up sharply from 56 days in November, but slightly below the 73 days on market in December 2012. Adverse weather reportedly delayed closings in many areas. Twenty-eight percent of homes sold in December were on the market for less than a month, down from 35 percent in November, which appears to be a weather impact.

Short sales were on the market for a median of 122 days in December, while foreclosures typically sold in 67 days and non-distressed homes took 70 days.

According to Freddie Mac, the national average commitment rate for a 30-year, conventional, fixed-rate mortgage rose to 4.46 percent in December from 4.26 percent in November; the rate was 3.35 percent in December 2012.

The National Association of Realtors®, “The Voice for Real Estate,” is America’s largest trade association, representing 1 million members involved in all aspects of the residential and commercial real estate industries. For additional commentary and consumer information, visit www.houselogic.com and http://retradio.com.

Congratulations to Judy & Mike on their new home!!

Judy and Mike at their new home

Congratulations to Judy & Mike on their new home!!

It has been great working with Judy and Mike to help them find the perfect home for their needs and guide Judy and Mike and me them thru the buying process. I wish them lots of luck in their new home and future. Not only have a gained a client but I have also gained some good friends.


And of course we could not have gotten it done with out our team from Trident Mortgage and Trident Land Transfer, Ruth and Joan you guys are the the best! Thank you!

Judy and Mike-with joan and ruth





When To Buy a House? RIGHT NOW!


I am always looking to keep my pulse on the industry and real estate trends. In doing so, come across some great articles that I like to pass on. Below is one of those. This is an article I read from the KCM Blog posted on 06/03/13

When To Buy a House? RIGHT NOW!


After witnessing the housing bubble ‘pop’ just a few years ago, many would be buyers may be hesitant to pull the trigger. Today, we want to explain that the greatest risk a buyer can take right now is actually waiting to buy a home.

We realize that every purchaser wants to be able to get the best deal. They want a great price and the lowest mortgage interest rate possible because those to items together will determine the monthly cost their family will pay. Let’s look at each one:

Are home prices rising?

Just last week, the Case Shiller Pricing Index was released. The index revealed that U.S. home prices increased by 10.2% over the last twelve months. Last month, the Home Price Expectation Survey was released predicting that home values would increase by at least an additional 3.5% for each of the next five years.

If you were waiting for the absolute bottom of the home price declines, you already missed it.

Are interest rates rising?

According to Freddie Mac’s Weekly Primary Mortgage Market Survey, the 30 year mortgage rate shot up to 3.81% last week – the highest level in over a year. This is an increase of a half of a percentage point in the last six months. And the Mortgage Bankers Association, Fannie Mae and the National Association of Realtors all predict that rates will continue rise over the next eighteen months.


If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings.




JUST LISTED! Updated 3 Bed 2.1 Bath End-Unit Townhome.

422 Village-front1Property Address: 422 Village Lane Sanatoga, Pa 19464

MLS# 6214204

List Price: Only $124,900!

Welcome to this gorgeous, newly painted & renovated End-Unit in Pottsgrove School Dist. This 3 Bed, 2.1 Bath townhome has so much to offer! NEW Lennox Energy Efficient Heater w/10yr warranty & NEW Central Air. New Double-pane, tilt Vinyl windows T/O. NEW Entrance & storm door, NEW Sliding door w/ screen & all NEW 6-Panel Interior doors. When you enter this beautiful home you are welcomed into the foyer that leads to a large Eat-in Kitchen w/newly refinished Hardwood floors (all Kitchen appliances are included). The spacious living room has hardwood floors & a corner brick wood burning fireplace for toasty, comfy fires during those long winter nights. The 1st fl also offers a powder room & sliding doors to the patio & courtyard. The 2nd fl has 3 newly carpeted bedrooms & 2 full baths. The Main bedroom has a full bath w/a Jaquzzi tub. The huge full basement has many possibilities & includes a laundry tub & Washer & Dryer. With over $22,000 in upgrades, this beautifully maintained home has it all!

Just Listed! 2142 N. Line St. Lansdale – Montgomery County

under_contract2142 N Line-Front-1 Property Address: 2142 N. Line St. Lansdale, Pa 19446                                MLS# 6216981      Price: $249,900


You have to see this beautiful & impeccably maintained 3 bed, 1.1 bath front to back split level. This home is larger than it looks. The brand new brick walk way leads you into a cathedral ceiling foyer with skylight & tiled floor that leads into the Family room with Built-in book shelves & brick wood burning fireplace. This home also offers a formal Living Room, Dining room & large open kitchen with a huge island, large garden window & hardwood floors T/O. The upper level offers a main bedroom with newer sliding doors to a new composite deck overlooking the amazing, tranquil back yard. There is a walk-in cedar closet. 2 other bedrooms & full bath that finish out the upper level. This home also offers a laundry room/mud room & a 1 car attached garage with workroom. The back yard is a great place to escape into nature with a patio (patio furniture included), fish pond, beautiful landscaping & large .66 flat lot. Newer Heater, central Air, Vinyl Windows & chimney liner. This amazing home can be yours!

Exciting New Listing! 149 Anselm Dr. Richboro – Bucks County

under_contractProperty Address: 149 Anselm Dr. Richboro, Pa 18954    MLS# 6189557  NEW PRICE: $619,900!!

  • 4 Bed 2.2 Baths149 Anselm-new front1
  • Family Room W/Fireplace & Wet Bar
  • Hardwood Floors
  • Updated Kitchen w/Granite Counters
  • Office/Study
  • Master Bedroom Suite w/Sitting room, walk in closet & Full bath including a step up Jacuzzi Tub, shower & double vanity
  • Full Finished Basement
  • 3 Car Garage
  • 1 Acre Lot
  • Much, much more!

Welcome to this impeccable 4 bed 2 full/2 half bath Center hall Colonial situated on a 1 acre lot located in the Frank Kelly built “Highspire” community & Council Rock School Dist. This is a true center hall colonial w/a large 2 story foyer w/crown molding & Hardwood floors that flows thru the formal Living room & Dining room. The huge Family room offers a stunning river stone fireplace, wet bar & sliding door to a beautiful paver patio & large flat, secluded yard with mature foliage. There is an updated Kitchen w/new Granite Counters, large pantry, tile floor & Breakfast room. Finishing out the 1st floor is an office w/built-in book shelves, laundry room & 3 car garage. The Main bedroom suite offers a sitting room, walk-in closet, full bath w/shower, double vanity & step up jacuzzi tub. There is also a guest suite w/sitting area & walk-in closet. The additional two bedrooms are large & bright. The finished basement offers 3 large entertainment areas w/wet bar, powder room & lots of storage space.

Market TRENDs: Montgomery County, September 2012

Recent Trend Update with loads of great information for increased home sales in the Montgomery County, Bucks County and surrounding areas!

Market HistoryTotal Inventory in Montgomery County was down 16% in September 2012, while the number of Pending units increased 14%, to 554. Settled units also saw a nice increase, up 11%, to 576.


Single-Family Sept. ’11 Sept. ’12
Inventory 5,191 4,323
Settled Units 515 576
Median Price $254,000 $265,000
Stl Price/Orig Price 90.5% 91.4%



Year-to-Date Market SnapshotThrough September 2012, Montgomery County has settled 5,534 units at an average price of $313,000.



Single-Family YTD Sept. ’11 Sept. ’12
Settled Units 4,686 5,534
Average Price $313,000 $313,000
Median Price $260,000 $259,000
Stl Price/Orig Price 90.9% 91.7%


5 Reasons to Sell Now

So, My last blog was about why now is the time to buy a home, it is only fair to follow it up with 5 Reasons to Sell your home. Thanks to The KCM Blog I am happy to share this article with you.  Comments are always welcome.


5 Reasons to Sell Now


Many sellers feel that the Spring is the best time to place their home on the market as buyer demand increases at that time of year. However, the Fall and Winter have their own advantages. Here are five reasons to to sell now.

Only Serious Buyers Are Out

At this time of year, only those purchasers who are serious about buying a home will be in the marketplace. You and your family will not be bothered and inconvenienced by mere ‘lookers’. The lookers are at the mall or online doing their holiday shopping.

There Is Far Less Competition

Housing supply always shrinks dramatically at this time of year. This year will be a little different as some of the distressed properties being liquidated by the banks (in the form of foreclosures & short sales) will enter the market. However, for those buyers looking for a non-distressed property, the choices will be limited. Don’t wait until the spring when all the other potential sellers in your market will put their homes up for sale.

The Process Will Be Quicker

One of the biggest challenges of the 2012 housing market has been the length of time it takes from contract to closing. Banks have been inundated with both purchase and refinancing loan requests. Both of these will slow in the winter cutting timelines and the frustration these delays cause both buyers and sellers.

There Will Never Be a Better Time to Move-Up

If you are moving up to a larger, more expensive home, consider doing it now. Prices are projected to appreciate by over 15% from now to 2016. If you are moving to a higher priced home, it will wind-up costing you more in raw dollars (both in down payment and mortgage payment) if you wait. You can also lock-in your 30 year housing expense with historically low interest rates right now. There is no guarantee rates will remain at these levels in years to come.

It’s Time to Move On with Your Life

Look at the reason you decided to sell in the first place and decide whether it is worth waiting. Is money more important than being with family? Is money more important than your health? Is money more important than having the freedom to go on with your life the way you think you should?

You already know the answers to the questions we just asked. You have the power to take back control of the situation by pricing your home to guarantee it sells. The time has come for you and your family to move on and start living the life you desire. That is what is truly important.