Upper Gwynedd Twp

• 1,596 sq. ft., 2 bath, 3 bdrm single story - MLS® $279,900 - Completely Rehabbed

Upper Gwynedd, Montgomery County  -  Turn Key, Freshly Remodeled Single in Sought after Upper Gwynedd Township. Come see this almost new home, completely enhanced with tons of Character and upgrades. Before you see the house itself, take a look at the oversized garage with completely finished second floor/loft. This loft area has lots of potential and could be a home office, game room or anything you like. Exterior of house has nice fenced in yard, front porch, spacious driveway with plenty of parking and lots of potential with the oversized garage. Once you go in and see the NEW: carpeting, drywall, paint, dual zone HVAC, 200amp electric, light fixtures, ceramic tile, slate, newly remodeled bathrooms and brand spanking new kitchen complete with GE energy efficient appliances.......the main thing you will want to do is get out a pen to write up an offer to purchase this house. Come see this wonderful opportunity in Upper Gwynedd Township close to RT 63, RT 202, RT 309 & the PA Turnpike.

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Remodeled and Upgraded 2008

• 1,383 sq. ft., 2 bath, 3 bdrm 3 story - MLS® - Exceptional Value

West Conshohocken, Montgomery County  -  This is the one you have been waiting for! Completely Remodeled in 2008. This 3 story Row has nice neutral Wall/Wall carpeting throughout the first, second and third floors. All new tiled kitchen with a breakfast bar and recessed lighting. Off the kitchen is a full bathroom with sliders to the rear deck and fenced in yard. The second floor is made up of a large bedroom/family room, full bath and laundry room. Third floor has two bedrooms with vaulted ceilings and walk-in closets. Everything in this home was replaced in 2008 including: all drywall, flooring, bathrooms, kitchen, electric system, heating and central air system, deck, some windows, laundry area, light fixtures, water heater, appliances and siding. Low property taxes in Upper Merion School District. Property is approved for rental use with borough. All this within walking distance to everything: Restaurants, Train, Schuykill Bike Trail and all Major motor routes. Hurry as the tax credit expires soon.

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Upper Gwynedd Twp

• 1,596 sq. ft., 2 bath, 3 bdrm single story - MLS® $289,900 - Completely Rehabbed

Upper Gwynedd, Montgomery County  -  Turn Key, Freshly Remodeled Single in Sought after Upper Gwynedd Township. Come see this almost new home, completely enhanced with tons of Character and upgrades. Before you see the house itself, take a look at the oversized garage with completely finished second floor/loft. This loft area has lots of potential and could be a home office, game room or anything you like. Exterior of house has nice fenced in yard, front porch, spacious driveway with plenty of parking and lots of potential with the oversized garage. Once you go in and see the NEW: carpeting, drywall, paint, dual zone HVAC, 200amp electric, light fixtures, ceramic tile, slate, newly remodeled bathrooms and brand spanking new kitchen complete with GE energy efficient appliances.......the main thing you will want to do is get out a pen to write up an offer to purchase this house. Come see this wonderful opportunity in Upper Gwynedd Township close to RT 63, RT 202, RT 309 & the PA Turnpike.

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Upper Gwynedd, Montgomery County  -  Announcing a price reduction on 692 Jones Ave, a 1,596 sq. ft., 2 bath, 3 bdrm single story. Now MLS® $289,900 - Completely Rehabbed.

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North Wales, Montgomery County  -  The single story at 315 S 10th St has been sold.

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Timber Creek, Towamencin  -  The single story at 302 Hickory Ct has been sold.

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Great Back Yard

• 2,018 sq. ft., 2 bath, 4 bdrm single story - $274,900 - Just Listed

North Wales, Montgomery County  -  Completely Remodeled Bi-Level Ranch in North Wales Boro. Great location kissing Upper Gwynedd Twp. Feels like a new home with plenty of upgrades including: New roof, siding, windows,deck and much more outside. The expanded floorplan inside was completely redone from studs out with new drywall, insulation, plumbing and wiring. New berber carpets and bamboo floors complete the main floor that opens up to Brand New kitchen with new cabinets, lighting, refrigerator, overhead microwave, electric oven, double sink & flooring. This wonderful kitchen opens up to a massive great room with large picture windows to view your back yard. From the great room new sliding doors flow out to a spacious wood deck. If you like the outdoors take your choice of a front, rear and side yards and your choice of patio, porch or rear deck to relax on. Inside there are 4 bedrooms and 2 full baths on the main level. Downstairs are 2 separate rooms with new ceramic tiles and a huge 35x14 storage/utility room with outside access.

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Sought after Salford Pond

• 1,583 sq. ft., 2 bath, 3 bdrm townhouse "3 spacious levels" - $243,900 - Just Reduced !!

Salford Pond, Harleysville  -  Come see Low Maintenance Living at its best. Salford Pond in Lower Salford Township is a desireable community of only 68 townhomes. This 3 bedroom, 2 Full Bath unit is located in Souderton Schools with easy access to RT 113, RT 63 and the PA Turnpike. Walk into a spacious living room with large picture window. The cathedral ceilings help highlight the massive,floor to ceiling, stone, wood burning fireplace. The well sized kitchen has brand new ceramic tiles and newer appliances matching a chef's favorite, your own smooth top stove. There is one bedroom and a full designer bathroom with ceramic tiles, tiled shower and pedastal sink on the first floor.Main floor walks out to a nice deck with views of the side yard and open space. The lower level has tons of storage and a full family room adding over 600sq ft of heated, air conditioned, finished space for the family to enjoy. The upstairs has a full bath with two sections. One area with double sink and vanity....another with shower and toilet. Upstairs there is a well sized spare bedroom and a larger master bedroom with full walk-in closet with custom built ins for lots of storage. This home has a newer Trane - 15 seer - HVAC system with energy star rated thermostat to keep the energy costs down. The association takes pride in exterior maintenance, landscaping, lawn maintenance and snow removal really making life at Salford Pond very low maintenance. Come now to see one of the only units for sale.

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Exceptional Value in Award Winning New Britian Walk. Central Bucks School District. This Northwyck Model is open and spacious with numerous upgrades throughout interior and exterior. Plantation Shutters throughout first floor. The First floor features an elegant kitchen opening to a sunny breakfast area and massive family room with designer gas fireplace. The ample sunroom leads out to the trex deck and attached, oversized garage. The foyer entrance opens into a formal living room and separate dining room. The second floor features a master suite with a spacious walk in closet and large,luxurious master bath. Three additional bedrooms, full hall bath and convenient 2nd floor laundry complete the upper level. The main stairway is highlighted with floor to ceiling window accented by leaded glass antique window. The hardwood stairs are protected by New Zealand made Stanton carpet runners. Come visit this exceptional value proudly offered for showings

OPEN HOUSE SUNDAY 10/26/08 From 1-4PM - All agency relationships honored

I just wanted to share a new option that may help all of us attract some more buyers.  We all are aware of what a sellers's assist is and how it can be used to put towards a buyers closing costs. A new option is to use the assist to go towards paying a buyers principle and interest payment for up to the first 6 mos.

I would encourage going over this with your lender for exact details and product guidelines. 

The general guidelines are that any 1 unit owner occupied primary residence would apply.  The program allows a seller or builder to pay the principle & interest portion of a borrowers mortgage payment on resale or new construction purchases for up to the first 6 mos. The lender we use that offers this is Suntrust Mortgage - www.stmpartners.com but I would guess that some other lenders would have a similar program.

Good luck and hopefully this can help attract a new buyer or be a viable option for a client you are already working with.

Justin Stranere - RFW Realtors

From now til 9/30 if you or any of your clients go to www.myfico.com and purchase any products, type in SCORES4LESS under the promotion code to receive 20% off. You can even buy now and use the product later.

This is the ONLY website that one can get their FICO score and/or credit reports without showing as an inquiry.  I use this as a tool to see exactly what situation my clients are in before they get too far along with the buying process.  It is a great tool to ck one's score, simulate what can be done to improve the score, etc. etc. 

If you haven't been there yet you MUST ck out www.myfico.com

You won't be disappointed.  Go to the credit education section for lots of information about credit scores and what goes into improving them.

Good luck!!

Justin Stranere

As we approach the final quarter of 2007 there is a lot of uncertainty in the Financial & Real Estate markets. Most of the information coming out is factual to a certain degree, but the media does personify things and doesn't always put things forward in the best manner. So please don't take everything the media reports as fact.

With all of the tightening of credit and lack of funds available most lenders & banks are increasing Fico/Credit Score requirements for borrowers.  So this is why I believe NOW MORE THAN EVER our credit scores are extremely important. Knowing what our scores our & keeping them as high as possible will have to be a practice we all take seriously.  Keeping a high score will ensure we qualify for the best interest rates and programs being offered.  Also keeping our clients aware of their scores will be more important than ever and allow us to help them better. 

The company responsible as of today for creating all of the formula's and algorithm's for all three major bureaus (Trans Union, Experian & Equifax) is the Fair & Isaac Company. Sometime around 2001 they launched their consumer site www.myfico.com .  For anyone who hasn't used it please ck out the site and see for yourself all of the products and information they have.  The Credit Education section is extremely useful in understanding the basics of what goes into your credit score.  If you pull credit from their site not only will you get the most accurate info from the company creating the scores...........it won't show as an inquiry.........and that alone is a powerful resource. I use this site for my buyers before they go thru a mortgage approval we sit down and run the scores at myfico.  The myfico site has a score simulator that is a great tool to see how an action will affect the credit score before you actually do it.  If there is an error or mistake they have letters and tools right there to dispute items.............and if there is a correction you can get it done before the mortgage company has already ran credit and locked the scores in........so this site can be a great asset for all of us.......

 In summary I just wanted to point out that this 3 digit score is now being used not only for mortgages but car loans, credit cards, employment acceptance, tenancy, health-life-auto insurance, etc etc.  That is why in my opinion our credit scores are our Most Undervalued Asset. With all of the changes that have occured and will continue to occur during this credit crunch............we need to pay more attention to our clients credit scores and give them access to accurate places to go to access their scores and accurate tools to correct them.  And as of today the Fair Isaac site..... www.myfico.com is one of the best places to go. 

Justin Stranere - Walter Financial Inc & RFW Realtors

Key Merrill Lynch Financial Advisor, Timothy Baltz, invites you to this unique opportunity to Make the most of your retirement account and help you avoid costly tax traps & penalties.  This insightful and informative seminar can help you plan for the next era of your life.  Keynote speaker will be nationally recognized CPA & Author, Ed Slott, who is a personal finance columnist for numerous publications and author of "Parlay you IRA into a Family Fortune, The Retirement Savings Time Bomb and How to Defuse It & Ed Slott's IRA Advisor-Monthly Newsletter." He has also appeared on ABC,NBC,CBS,CNBC,CNN,Fox,PBS,National Public Radio,Bloomberg TV and Radio.

Retirement Seminar - Wed Sept 19th, 2007 - Blue Bell Country Club - Blue Bell, PA.

 Call now to reserve your seat for Wed 9/19 from 6-8:30pm. Call 215-340-3305 and mention Tim Baltz for complimentary admission and learn how to make the most of your retirement savings.

Note that this information is outdated.

Timothy Baltz of Merrill Lynch invites you to this unique opportunity to make the most of your retirement account and help you avoid costly tax traps and penalties. This insightful and informative seminar can help you plan for the next era of your life. Keynote speaker will be nationally recognized CPA & Author, Ed Slott, who is a personal finance columnist for numerous publications and author of "Parlay your IRA into a Family Fortune, The Retirement Savings Time Bomb and How to Defuse It & Ed Slott's IRA Advisor-Monthly Newsletter. He has also appeared on ABC, NBC, CBS, CNBC,CNN,Fox, PBS, National Public Radio, Bloomberg TV & Radio. Call now to reserve your seat. 215-340-3305 and mention Tim Baltz for FREE admission and learn how to make the most of your retirement savings.

When/Where: Blue Bell Country Club -Wed Sept 19th- 6pm - 8:30pm

Note that this information is outdated.

Learn from Key Merrill Lynch Investment Expert on how to shield your portfolio from upcoming tax changes. Why pay more than your fair share of federal income taxes and diminish your net rate of return. One session to be held on Thursday April 19th.........3:45PM SHARP!!!!! Only 9 seats left so please reserve your seat now.......