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The true meaning of Thanksgiving.

This is one of my favorite photos I took last week.
Below is an article I found about Thanksgiving.
And something we can all do to help our troop in Iraq.

In todays technology just about anything you want to know can be found if you just "Google It". So I found the real meaning of Thanksgiving on Google. This is what I found.  An article on the WorldNetDaily Exclusive Commentary posted November 22, 2001 by Joseph Farah.
The Real Meaning of Thanksgiving. It starts out a little weird but has a happy & true ending.

This is something else really cool for Thanksgiving.
Lets get together and help our troops in Iraq.

XEROX IS DOING SOMETHING COOL

If you go to this web site, www.LetsSayThanks.com   you can pick out a thank you card and Xerox will print it and it will be sent to a soldier that is currently serving in  Iraq . You can't pick out who gets it, but it will go to a member of the armed services.

How AMAZING it would be if we could get everyone we know to send one!!!   It is FREE and it only takes a second.

Wouldn't it be wonderful if the soldiers received a bunch of these?  Whether you are for or against the war, our soldiers over there need to know we are behind them.

This takes just 10 seconds and it's a wonderful way to say thank you.  Please take the time and please take the time to pass it on for others to do.  We can never say enough thank you's. 

Thanks for taking to time to support our military!

God Bless You and pray for all of our troops to come home safe and for our Country leaders to make the right choices to help us get through this turmoil.

Did you know I have my license in both states, Ohio & Kentucky?...So Please call me if you need help around the house or maybe to buy a new home. I will gladly say THANK YOU! Gary Rossignol, the Realtor with integrity. 513-777-2402 email Gary@GaryRossignol.com.

Also, My Video Newsletter is loaded with up to date Real Estate News and Advice. Some of its features include: Current Interest Rates, National Real Estate News, Mortgage Advice, Question & Answers. Plus much more. It is "real time" and changes each week.

Congratulations Ron M.

The other day I received a very sweet Thank You card from a buyer client of mine. Ron wrote:

"I wanted to write you a note of THANKS! for assisting me in finding a new living space in such a short period of time. I never expected to get sooo....many items from my "WISH LIST" in a property. I am gratefully for you introducing me to the mortgage company. The team was wonderful in explaining and gathering the required information for a fast and smooth loan approval and closing.

     

This is the view from Ron's balcony/porch of his new townhouse condo in Liberty Township. Pretty awesome isn't it?

When we first met he wanted Liberty Township. He wanted move-in condition. He wanted a garage. He wanted to spend less than $135,000. Ron got everything he asked for.

We looked at several in this neighborhood. It is amazing the condition we found a few of the condos. Two of them were so close to the highway all you could hear was traffic noise. Another wasn't anywhere near sale ready. It was a mess to say the least.

This unit had real hardwood floors, freshly painted and a new kitchen with granite counter tops.

I am very proud of my team. We used Humphries Mortgage, Roccina Niehaus at Wood & Lamping Title Company for the closing and Wayne Jones of LandAmerica home inspections.

I am proud to say it is always a team effort. Especially in todays market.

God Bless You and pray for all of our troops to come home safe and for our Country leaders to make the right choices to help us get through this turmoil.

Did you know I have my license in both states, Ohio & Kentucky?...So Please call me if you need help around the house or maybe to buy a new home. I will gladly say THANK YOU! Gary Rossignol, the Realtor with integrity. 513-777-2402 email Gary@GaryRossignol.com.

Also, My Video Newsletter is loaded with up to date Real Estate News and Advice. Some of its features include: Current Interest Rates, National Real Estate News, Mortgage Advice, Question & Answers. Plus much more. It is "real time" and changes each week.

Say Thank You to a Veteran today.

Have you ever wanted to say "thank you", but didn't? Next time, say it...

Bridging the gap for extended & expanded homebuyer tax credits.

 Here is some good news. Congress and the Federal Government in agreement of President Obama has extended and expanded the buyers tax credit. These are some of the details.

For first time homebuyers the date has been extended to April 30, 2010. Therefore if you qualify as a first time homebuyer, by not have had an interest in a principal residence for 3 years prior to purchase, then you will receive a tax credit of 10% of the sale price not to exceed $8,000.00.

For details on obtaining these funds I suggest you consult a tax preparer or a certified public accountant for assistance.

The expansion of this bill is benefiting any present homeowner selling their home and moving up.

To qualify you must have used the home sold or being sold as a principal residence consecutively for 5 of the previous 8 years. As long as a written binding contract to purchase a different home is in effect on April 30, 2010 and close no later than July 1, 2010 you will receive $6,500.00 tax credit.

Limitations have been increased and added. Annual Income limits for buyers was $75,000 for singles and $150,000 for married couples. That has been increased to $125,000 for singles and $225,000 for married couples. The added limitation on the cost of home purchase is $800,000.

Again, For details or further questions on obtaining these funds I suggest you consult a tax preparer or a certified public accountant for assistance.

These changes are designed to enhance and improve our national home sales. The initial first time home buyers tax credit seemed to be quite successful so lets hope these enhancements make a big difference.

For more information click here: The Internal Revenue Service issued a memorandum on this subject matter.

God Bless You and pray for all of our troops to come home safe and for our Country leaders to make the right choices to help us get through this turmoil.

Did you know I have my license in both states, Ohio & Kentucky?...So Please call me if you need help around the house or maybe to buy a new home. I will gladly say THANK YOU! Gary Rossignol, the Realtor with integrity. 513-777-2402 email Gary@GaryRossignol.com.

Also, My Video Newsletter is loaded with up to date Real Estate News and Advice. Some of its features include: Current Interest Rates, National Real Estate News, Mortgage Advice, Question & Answers. Plus much more. It is "real time" and changes each week.

 

The Bump in the Road

Knowing that I am a Realtor, most people want to know..."How is the market?" or they ask..."What are my predictions for the upcoming year?"

I really don't have much of an answer for either question. We are all experiencing a very strange market in all aspects of day to day life. The times are tough for many Americans.

I am experiencing, on a daily basis, folks about to lose their homes to foreclosure. They could possibly be your next door neighbor, your cousin or aunt and uncle, or someone you see at church each week. It could be just about anyone and you wouldn't know it until it is too late. They are scared, angry and very embarrassed. They more than likely are in denial of the situation. Hoping that it will go away. But it will not unless they take the proper action.

This post is called "THE BUMP IN THE ROAD". When driving up Thornview Drive experiencing these bumps this idea came to me. I pictured this photo on this blog page and me writing about bumps in the road folks are experiencing.

If you know anyone facing foreclosure or simply behind in their mortgage payments. Have them call me for a confidential personal meeting to discuss their options. I have a lot of experience in this field. I have been helping people avoid foreclosure and the feeling is tremendous. To see the weight of the world lifted off their shoulders is a real rush.

Remember: Friends don't let friends go to Foreclosure.

God Bless You and pray for all of our troops to come home safe and for our Country leaders to make the right choices to help us get through this turmoil.

Did you know I have my license in both states, Ohio & Kentucky?...So Please call me if you need help around the house or maybe to buy a new home. I will gladly say THANK YOU! Gary Rossignol, the Realtor with integrity. 513-777-2402 email Gary@GaryRossignol.com.

Also, My Video Newsletter is loaded with up to date Real Estate News and Advice. Some of its features include: Current Interest Rates, National Real Estate News, Mortgage Advice, Question & Answers. Plus much more. It is "real time" and changes each week.

Friday's are for fun

It's Friday and also the Eve of Halloween. Here are a few fun things to share for Halloween.

 

 

 

 

 

 

 

These are some neighborhood Halloween decorations. To put you in the holiday spirit.

Please be safe and watch out for those little ghosts and goblins. Make sure they are trick or treating safely.

God Bless You and pray for all of our troops to come home safe and for our Country leaders to make the right choices to help us get through this turmoil.

Did you know I have my license in both states, Ohio & Kentucky?...So Please call me if you need help around the house or maybe to buy a new home. I will gladly say THANK YOU! Gary Rossignol, the Realtor with integrity. 513-777-2402 email Gary@GaryRossignol.com.

Also, My Video Newsletter is loaded with up to date Real Estate News and Advice. Some of its features include: Current Interest Rates, National Real Estate News, Mortgage Advice, Question & Answers. Plus much more. It is "real time" and changes each week.

Congratulations Ms. Johnson

Ms. Johnson is one happy lady today. The weight is off her shoulders.

I met Ms. Johnson in mid July of 2009. She came to me with a problem. This home that had been in her family for over 85 years had just became too much for her to take care of any longer. The box gutters and soffits had serious damage due to wood rot. To the extent that she couldn't live in the home any longer. She had moved out over a year ago but still had the mortgage looming down over her. She hadn't been able to make a payment for almost 24 months and was facing foreclosure.

I was able to step in, list her home considering all the work the home needed priced it at $45,000.00 and sold it within 10 days for full price.

The big mistake I made was to let another agent insist on their buyer using the FHA 203K loan. That is an FHA loan the allows the buyer to purchase a distressed property, borrowing the initial financing for the home and the additional funds for the rehab. The limits on an FHA 203K loan is $30,000 above the cost of the home. The paperwork is intense and the risk is very high do to government rules and regulations and the constant changes in todays unsettled market.

It was quite the venture for Mary Jo, Me and LRA, LLC who does all the negotiations for me with the banks. However we stayed with it holding on to the faith that this was the right thing to do.

Everyone hung in there and finally at 3:00 PM yesterday we were at the closing table and everyone left happy. It took exactly two and a half months to negotiate the short sale with this lender.

Yet another notch in my record for saving someone from the horrors of foreclosure.

God Bless You and pray for all of our troops to come home safe and for our Country leaders to make the right choices to help us get through this turmoil.

Did you know I have my license in both states, Ohio & Kentucky?...So Please call me if you need help around the house or maybe to buy a new home. I will gladly say THANK YOU! Gary Rossignol, the Realtor with integrity. 513-777-2402 email Gary@GaryRossignol.com.

Also, My Video Newsletter is loaded with up to date Real Estate News and Advice. Some of its features include: Current Interest Rates, National Real Estate News, Mortgage Advice, Question & Answers. Plus much more. It is "real time" and changes each week.

Seasons change

 
This is a beautiful picture of the Little Miami River. I just took this photo two days ago. By now more leaves have changed color and soon they will all be off the trees leaving bare branches throughout the winter months.

Along with the leaves changing color it is getting dark earlier. That makes it difficult to show property. Many buyers plan to do their looking after work. That is usually sometime after 5:00 or 6:00 PM. It is pitch dark by 7:15 these days. That leaves very little time to view homes in daylight hours.

I suggest make plans and try to work in a vacation day or work late for a couple of days and try to get off early at least once a week. That will give yourself time to spend leisurely with out rushing through. You will be able to pay attention to more detail that way. Your time investment is very important in this stage of the home purchase.

God Bless You and pray for all of our troops to come home safe and for our Country leaders to make the right choices to help us get through this turmoil.

Did you know I have my license in both states, Ohio & Kentucky?...So Please call me if you need help around the house or maybe to buy a new home. I will gladly say THANK YOU! Gary Rossignol, the Realtor with integrity. 513-777-2402 email Gary@GaryRossignol.com.

Also, My Video Newsletter is loaded with up to date Real Estate News and Advice. Some of its features include: Current Interest Rates, National Real Estate News, Mortgage Advice, Question & Answers. Plus much more. It is "real time" and changes each week.

Sunday's Church

 This Sunday I would like to highlight a special church. This is called the field mass and was celebrated by St Michael Church in Sharonville at Gower Park in the picnic grounds last Saturday October 3rd, 2009.

St Michael celebrates their 90th year anniversary this year and the outdoors mass in the woods is just one of the many special functions they held to bring the congregation together in a very special way. They brought out a portable alter, set up a sound system and staked off the center ilse.

Mass began at 4:00 pm and the congregation finished with a good ole fashion picnic directly after. They had over 400 people in attendance. The music was beautiful with Brian & Paul on guitars and the "Singing Mom's".

 God Bless You and pray for all of our troops to come home safe and for our Country leaders to make the right choices to help us get through this turmoil.

Did you know I have my license in both states, Ohio & Kentucky?...So Please call me if you need help around the house or maybe to buy a new home. I will gladly say THANK YOU! Gary Rossignol, the Realtor with integrity. 513-777-2402 email Gary@GaryRossignol.com.

Also, My Video Newsletter is loaded with up to date Real Estate News and Advice. Some of its features include: Current Interest Rates, National Real Estate News, Mortgage Advice, Question & Answers. Plus much more. It is "real time" and changes each week.

Buyers time is running out for the tax credit.

The American dream is right around the corner for many buyers on the first go around in the home buying market.

Time is running out to take advantage of the $8,000.00 tax credit offered from the U.S. Federal Government. I wouldn't suggest waiting till the last minute for many reasons.

#1. The housing inventory is beginning to diminish. Not drastically, but significantly due to the time of the season. Fall typically is not the hotbed of the housing market even in a better economic market.

#2. I am speculating that interest rates will creep up the closer we get to the deadline. Just as gas prices mysteriously go up just before a traveling holiday weekend. I would count on that happening for sure.

#3. I suggest getting the closing over with well before the November 30 deadline. There will be a line of buyers with their new home to be just waiting for the big moment. That moment will be jeopardized by the lack of time available from the overworked title companies trying to accommodate the overabundance of first time buyer sales on those last couple of days. They may not have enough time to service everyone.

God Bless You and pray for all of our troops to come home safe and for our Country leaders to make the right choices to help us get through this turmoil.

Did you know I have my license in both states, Ohio & Kentucky?...So Please call me if you need help around the house or maybe to buy a new home. I will gladly say THANK YOU! Gary Rossignol, the Realtor with integrity. 513-777-2402 email Gary@GaryRossignol.com.

Also, My Video Newsletter is loaded with up to date Real Estate News and Advice. Some of its features include: Current Interest Rates, National Real Estate News, Mortgage Advice, Question & Answers. Plus much more. It is "real time" and changes each week.