Buying and Selling Guide
Mortgage Help is on it's way Metro Detroit !
We recommend before you start looking for a home, find the right lender and the right mortgage for you. Each situation is unique and our goal is to help you match the right lender and program that works best for you. The bottom-line…. Save Money! There is no reason to pay a lender thousands just to do business with you, let them compete and earn it!
ALWays start with the Money!
In order to make great decisions you need all the facts. What programs are available and which lenders have the best programs, zero fee’s, best rates and MORE!
✅ Know your Credit Score (CreditKarma can help)
✅ Don’t give out your SS# when your shopping rates and programs. Get a rough estimate based on your score.
✅ Don’t Change Jobs or Bank Accounts
✅ Don’t Co-Sign loans for Anyone
✅ Don’t Apply for New Credit include a New Car
✅ Don’t Deposit Cash – Banks need to see a paper trail
✅ Bottom Line – Any blip in income, assets, or credit should be reviewed and executed in a way that ensures your home loan can still be approved.
We had Pam work with us with both the selling of our home and the purchase of a new home. We would highly recommend her for her knowledge in both areas. She went above and beyond expectations. She made the process stress free and provided us with all the information and helped guide us through the negotiations. We knew we made the right decision to purchase Nickelby. Our home was sold on the first day of showing. She did an excellent job marketing a “market blast” of our home including beautiful pictures and a virtual tour. We had many people wanting to see it the first day on the market. She is a real “go getter” and made sure the entire process ran smoothly the entire way.
We’ve had experiences with several realtors. Pam Sawyer truly goes above and beyond. We were inquiring about one of her properties and she took our call on a holiday weekend. We didn’t end up with that particular listing, but we hired her as our agent because of her enthusiasm, knowledge and promptness. She is the best. We were originally interested in a short sale. Many agents steer clients away. Not Pam. She was so knowledgeable. She works her butt off for her clients. We decided not to move in the Macomb County Area and decided the Howell Area instead. We had built such a great relationship and trust she continued to work with us. She truly wants the best home for her clients no matter how much work it creates for her. We purchased our home this past summer and could not be happier! She is phenomenal!!!!!
Excellent, Excellent, Excellent... My Wife and I had been looking for a home on our own for about 3 months when we ran into Pam Sawyer at one of her listings. After a days’ worth of open houses, she knew exactly what we were looking for and provided us with information on Softwater Woods and several other properties. We loved the place with one drawback...it was a bank owned property with bids needed in 48 hours. Pam worked with us, the bank owning the property in California, our bank, the county, home inspectors and title company to close on the property within 45 days. We have highly recommended Pam to family and friends to their satisfaction. Subsequently, my wife and I each had a home as we used as a rental. One was in Royal Oak and the other in Shelby Twp. Pam contact us as she knew we wanted to sell only when the market would max out the highest return. Both properties sold quickly and for top dollar. We later suffered a horrible loss of my parents and the property was in probate. Pam again didn't disappointment as she worked through the probate process, additional drama with siblings and got our property sold quickly and closed painlessly. She is our Realtor for Life, as she always knows how to get the job done!
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Pam Sawyer
Web Developer | Facebook Marketing Certified | Lead Agent
Cell: 248-343-2459
E-Mail: Click Here
Address: 45609 Village Blvd. Shelby Twp.
Testimonials – We’re Ready to Work for You!
Mrs. G Condo
Do You Need to Know More about Forbearance ?
What is Mortgage Forebearance
Forbearance is when your mortgage servicer or lender allows you to pause (suspend), or reduce your mortgage payments. You’re able to set up a plan for a limited period of time. This will help you regain your financial footing.
Earlier this year when the nation pressed pause on the economy and unemployment rates jumped up significantly, many homeowners were immediately concerned about being able to pay their mortgages, and understandably so. To assist in this challenging time, two protection plans were put into place to help support those in need.
First, there was a pause
The Cares Act placed a pause on initiating foreclosures for government-backed loans. This plan started on March 18, 2020, and it extends at least through December 31, 2020. Second, homeowners were able to obtain forbearance for up to 180 days, followed by a potential extension for up to another 180 days. This way, there is a relief period in which homeowners have the opportunity to halt payments. Good News, those payments could be halted for up to one year.
Not Everyone Understands Their Options
The challenge, according to Matt Hulstein, Staff Attorney at non-profit Chicago Volunteer Legal Services, is, “A lot of homeowners aren’t aware of this option.”
There’s definitely traction behind this statement. In a recent survey by The National Housing Resource Center, housing counselors from across the country noted that many homeowners really don’t know that there is help available. The following graph indicates the reasons why people who are in this challenging situation are not choosing to enter forbearance:
The Urban Institute explained:
“530,000 homeowners who became delinquent after the pandemic began did not take advantage of forbearance, despite being eligible to ask for the plan…These responses reflect a need to provide better information to all homeowners. (Lump-sum payment is not the only repayment option.)
Additionally, 205,000 homeowners who did not extend their forbearance after its term ended in June or July became delinquent on their loans. We need to examine who these people are and why are they not extending their option.”
We Need More Eduation on Forbearance
Clearly, a more focused effort on education about forbearance and relief programs may make a big difference for many people. You need a clear understanding of their options is mission-critical. Some communities, however, have been impacted by the economic challenges of the pandemic more so than others. There is a need to deliver education more widely. The Urban Institute also indicates:
“Black and Hispanic homeowners have been hit harder than white homeowners…nearly 21 percent of both Black and Hispanic homeowners missed or deferred the previous month’s mortgage payment, compared with 10 percent of white homeowners and about 13 percent of all homeowners with payments due.”
Options Available
It’s important to note that any homeowner experiencing financial hardship has the right to request forbearance. If you’re unfamiliar with the plans available, contact your mortgage provider. This will be the company you send your mortgage payment to each month. You need to know what your option are. It is a necessary next step, as you may qualify for mortgage relief options or forbearance.
One option many homeowners may not realize they have is the ability to sell their house. With the growing equity that homeowners have available today, making a move might be the best option to protect your financial future.
Bottom Line
If you need additional information on your options, you can review the Protect Your Investment guide from the National Association of Realtors (NAR) and the Homeowner’s Guide to Success from the Consumer Financial Protection Bureau (CFPB). For the majority of people, our home is the most important asset we have. You should use all the help available right now to be able to preserve your investment.
First and Foremost, Safety First!
As we move forward trying to navigate our way through our new surroundings. Putting your dream of a new a home on HOLD shouldn’t be one of them. Now more than ever knowledge will be your power. Know the Market You’re In and your Negotiation Power.
In Closing
If you have any questions contact us: Chat Bot, in the bottom left bubble. Contact me by Email or my Cell @ 248-343-2459. With the doom and gloom of the virus. One thing history has shown us, this will NOT define us. Stay safe! Please comment below your thoughts or what future article you would like to see. This site is for you ❣
Help me Find my Perfect Dream Home!
Tell me what you’re looking for in your new Dream Home…I can help you find the newest and best homes on the market.
Need Help with the Right Mortgage?
See how you can save Thousands.
Have Questions?
Let us know what we can do to help you work your way through the Buying & Selling Puzzle.
Website Development, Production, and Content by Pam Sawyer @ Team Tag It Sold © 2017 All Rights Reserved
Mrs. G.... / Macomb
Robert & Linda W. – Dunhill
Real Estate Is a Driving Force in the Economy
As the economy recovers from this year’s health crisis, the housing market is playing a leading role in the turnaround. It’s safe to say that what we call “home” is taking on a new meaning. This is causing many of us to consider buying or selling sooner rather than later. Housing, therefore, has thrived in an otherwise down year.
Today’s high buyer demand combined with low housing inventory means we’re seeing home prices appreciate at an above-average pace. This demand is being driven by those who want to take advantage of historically low mortgage rates. According to Freddie Mac:
“The record low mortgage rate environment is providing tangible support to the economy at a critical time, as housing continues to propel growth.”
These factors are driving a positive impact on the economy as a whole. According to the National Association of Realtors (NAR); the real estate industry provided $3.7 billion dollars of economic impact to the country last year. To break it down, in 2019, the average newly constructed home contributed just over $88,000 per build to local economies. Across the country, real estate clearly makes a significant impact (See map below):
In addition, last week, the Bureau of Economic Analysis announced the U.S. Gross Domestic Product increased at an annual rate of 33.1% in the 3rd quarter of this year, after decreasing by 31.4% in the second quarter. There’s no doubt the growing economy is being fueled in part by the soaring housing market. Experts forecast this housing growth to carry into 2021, continuing to make a big impact on the economy next year as well.
Bottom Line
The American Dream of homeownership has continued to thrive in the midst of this year’s economic downturn, and “home” has taken on a new meaning for many of us during this time. Best of all, the housing market is making a significant impact as the economy recovers.
First and Foremost, Safety First!
As we move forward trying to navigate our way through our new surroundings. Putting your dream of a new a home on HOLD shouldn’t be one of them. Now more than ever knowledge will be your power. Know the Market You’re In and your Negotiation Power.
In Closing
If you have any questions contact us: Chatbot, in the bottom right. Contact me by Email or my Cell @ 248-343-2459. With all the doom and gloom of the virus, one thing history has shown us, this will NOT define us. Stay safe! Please share your thoughts below or what future article you would like to see. Your opinion is important to us…. this site is for you ❣
Help me Find my Perfect Dream Home!
Tell me what you’re looking for in your new Dream Home…I can help you find the newest and best homes on the market.
See how you can save Thousands.
Have Questions?
Let us know what we can do to help you work your way through the Buying & Selling Puzzle.
Website Development, Production, and Content by Pam Sawyer @ Team Tag It Sold © 2017 All Rights Reserved
Mr. and Mrs. Wenner / Dunhill Dr.
Ted & Mel C. – Burns
Real Estate Is a Driving Force in the Economy
As the economy recovers from this year’s health crisis, the housing market is playing a leading role in the turnaround. It’s safe to say that what we call “home” is taking on a new meaning. This is causing many of us to consider buying or selling sooner rather than later. Housing, therefore, has thrived in an otherwise down year.
Today’s high buyer demand combined with low housing inventory means we’re seeing home prices appreciate at an above-average pace. This demand is being driven by those who want to take advantage of historically low mortgage rates. According to Freddie Mac:
“The record low mortgage rate environment is providing tangible support to the economy at a critical time, as housing continues to propel growth.”
These factors are driving a positive impact on the economy as a whole. According to the National Association of Realtors (NAR); the real estate industry provided $3.7 billion dollars of economic impact to the country last year. To break it down, in 2019, the average newly constructed home contributed just over $88,000 per build to local economies. Across the country, real estate clearly makes a significant impact (See map below):
Bottom Line
The American Dream of homeownership has continued to thrive in the midst of this year’s economic downturn, and “home” has taken on a new meaning for many of us during this time. Best of all, the housing market is making a significant impact as the economy recovers.
First and Foremost, Safety First!
As we move forward trying to navigate our way through our new surroundings. Putting your dream of a new a home on HOLD shouldn’t be one of them. Now more than ever knowledge will be your power. Know the Market You’re In and your Negotiation Power.
In Closing
If you have any questions contact us: Chatbot, in the bottom right. Contact me by Email or my Cell @ 248-343-2459. With all the doom and gloom of the virus, one thing history has shown us, this will NOT define us. Stay safe! Please share your thoughts below or what future article you would like to see. Your opinion is important to us…. this site is for you ❣
Help me Find my Perfect Dream Home!
Tell me what you’re looking for in your new Dream Home…I can help you find the newest and best homes on the market.
See how you can save Thousands.
Have Questions?
Let us know what we can do to help you work your way through the Buying & Selling Puzzle.
Website Development, Production, and Content by Pam Sawyer @ Team Tag It Sold © 2017 All Rights Reserved
TEd & Mel C. Burns
Rob & Angie – Oceola Twp
Real Estate Is a Driving Force in the Economy
As the economy recovers from this year’s health crisis, the housing market is playing a leading role in the turnaround. It’s safe to say that what we call “home” is taking on a new meaning. This is causing many of us to consider buying or selling sooner rather than later. Housing, therefore, has thrived in an otherwise down year.
Today’s high buyer demand combined with low housing inventory means we’re seeing home prices appreciate at an above-average pace. This demand is being driven by those who want to take advantage of historically low mortgage rates. According to Freddie Mac:
“The record low mortgage rate environment is providing tangible support to the economy at a critical time, as housing continues to propel growth.”
These factors are driving a positive impact on the economy as a whole. According to the National Association of Realtors (NAR); the real estate industry provided $3.7 billion dollars of economic impact to the country last year. To break it down, in 2019, the average newly constructed home contributed just over $88,000 per build to local economies. Across the country, real estate clearly makes a significant impact (See map below):
Bottom Line
The American Dream of homeownership has continued to thrive in the midst of this year’s economic downturn, and “home” has taken on a new meaning for many of us during this time. Best of all, the housing market is making a significant impact as the economy recovers.
First and Foremost, Safety First!
As we move forward trying to navigate our way through our new surroundings. Putting your dream of a new a home on HOLD shouldn’t be one of them. Now more than ever knowledge will be your power. Know the Market You’re In and your Negotiation Power.
In Closing
If you have any questions contact us: Chatbot, in the bottom right. Contact me by Email or my Cell @ 248-343-2459. With all the doom and gloom of the virus, one thing history has shown us, this will NOT define us. Stay safe! Please share your thoughts below or what future article you would like to see. Your opinion is important to us…. this site is for you ❣
Help me Find my Perfect Dream Home!
Tell me what you’re looking for in your new Dream Home…I can help you find the newest and best homes on the market.
See how you can save Thousands.
Have Questions?
Let us know what we can do to help you work your way through the Buying & Selling Puzzle.
Website Development, Production, and Content by Pam Sawyer @ Team Tag It Sold © 2017 All Rights Reserved
Rob and Angie Oceola Twp
Sue and Mark S.
Real Estate Is a Driving Force in the Economy
As the economy recovers from this year’s health crisis, the housing market is playing a leading role in the turnaround. It’s safe to say that what we call “home” is taking on a new meaning. This is causing many of us to consider buying or selling sooner rather than later. Housing, therefore, has thrived in an otherwise down year.
Today’s high buyer demand combined with low housing inventory means we’re seeing home prices appreciate at an above-average pace. This demand is being driven by those who want to take advantage of historically low mortgage rates. According to Freddie Mac:
“The record low mortgage rate environment is providing tangible support to the economy at a critical time, as housing continues to propel growth.”
These factors are driving a positive impact on the economy as a whole. According to the National Association of Realtors (NAR); the real estate industry provided $3.7 billion dollars of economic impact to the country last year. To break it down, in 2019, the average newly constructed home contributed just over $88,000 per build to local economies. Across the country, real estate clearly makes a significant impact (See map below):
Bottom Line
The American Dream of homeownership has continued to thrive in the midst of this year’s economic downturn, and “home” has taken on a new meaning for many of us during this time. Best of all, the housing market is making a significant impact as the economy recovers.
First and Foremost, Safety First!
As we move forward trying to navigate our way through our new surroundings. Putting your dream of a new a home on HOLD shouldn’t be one of them. Now more than ever knowledge will be your power. Know the Market You’re In and your Negotiation Power.
In Closing
If you have any questions contact us: Chatbot, in the bottom right. Contact me by Email or my Cell @ 248-343-2459. With all the doom and gloom of the virus, one thing history has shown us, this will NOT define us. Stay safe! Please share your thoughts below or what future article you would like to see. Your opinion is important to us…. this site is for you ❣
Help me Find my Perfect Dream Home!
Tell me what you’re looking for in your new Dream Home…I can help you find the newest and best homes on the market.
See how you can save Thousands.
Have Questions?
Let us know what we can do to help you work your way through the Buying & Selling Puzzle.
Website Development, Production, and Content by Pam Sawyer @ Team Tag It Sold © 2017 All Rights Reserved
Mark and Sue S.
Kevin & Kathy K.
Real Estate Is a Driving Force in the Economy
As the economy recovers from this year’s health crisis, the housing market is playing a leading role in the turnaround. It’s safe to say that what we call “home” is taking on a new meaning. This is causing many of us to consider buying or selling sooner rather than later. Housing, therefore, has thrived in an otherwise down year.
Today’s high buyer demand combined with low housing inventory means we’re seeing home prices appreciate at an above-average pace. This demand is being driven by those who want to take advantage of historically low mortgage rates. According to Freddie Mac:
“The record low mortgage rate environment is providing tangible support to the economy at a critical time, as housing continues to propel growth.”
These factors are driving a positive impact on the economy as a whole. According to the National Association of Realtors (NAR); the real estate industry provided $3.7 billion dollars of economic impact to the country last year. To break it down, in 2019, the average newly constructed home contributed just over $88,000 per build to local economies. Across the country, real estate clearly makes a significant impact (See map below):
Bottom Line
The American Dream of homeownership has continued to thrive in the midst of this year’s economic downturn, and “home” has taken on a new meaning for many of us during this time. Best of all, the housing market is making a significant impact as the economy recovers.
First and Foremost, Safety First!
As we move forward trying to navigate our way through our new surroundings. Putting your dream of a new a home on HOLD shouldn’t be one of them. Now more than ever knowledge will be your power. Know the Market You’re In and your Negotiation Power.
In Closing
If you have any questions contact us: Chatbot, in the bottom right. Contact me by Email or my Cell @ 248-343-2459. With all the doom and gloom of the virus, one thing history has shown us, this will NOT define us. Stay safe! Please share your thoughts below or what future article you would like to see. Your opinion is important to us…. this site is for you ❣
Help me Find my Perfect Dream Home!
Tell me what you’re looking for in your new Dream Home…I can help you find the newest and best homes on the market.
See how you can save Thousands.
Have Questions?
Let us know what we can do to help you work your way through the Buying & Selling Puzzle.
Website Development, Production, and Content by Pam Sawyer @ Team Tag It Sold © 2017 All Rights Reserved
Mr. and Mrs. K..... / Softwater Woods
Mr. & Mrs. B. – Nickelby & St. Andrews
Real Estate Is a Driving Force in the Economy
As the economy recovers from this year’s health crisis, the housing market is playing a leading role in the turnaround. It’s safe to say that what we call “home” is taking on a new meaning. This is causing many of us to consider buying or selling sooner rather than later. Housing, therefore, has thrived in an otherwise down year.
Today’s high buyer demand combined with low housing inventory means we’re seeing home prices appreciate at an above-average pace. This demand is being driven by those who want to take advantage of historically low mortgage rates. According to Freddie Mac:
“The record low mortgage rate environment is providing tangible support to the economy at a critical time, as housing continues to propel growth.”
These factors are driving a positive impact on the economy as a whole. According to the National Association of Realtors (NAR); the real estate industry provided $3.7 billion dollars of economic impact to the country last year. To break it down, in 2019, the average newly constructed home contributed just over $88,000 per build to local economies. Across the country, real estate clearly makes a significant impact (See map below):
Bottom Line
The American Dream of homeownership has continued to thrive in the midst of this year’s economic downturn, and “home” has taken on a new meaning for many of us during this time. Best of all, the housing market is making a significant impact as the economy recovers.
First and Foremost, Safety First!
As we move forward trying to navigate our way through our new surroundings. Putting your dream of a new a home on HOLD shouldn’t be one of them. Now more than ever knowledge will be your power. Know the Market You’re In and your Negotiation Power.
In Closing
If you have any questions contact us: Chatbot, in the bottom right. Contact me by Email or my Cell @ 248-343-2459. With all the doom and gloom of the virus, one thing history has shown us, this will NOT define us. Stay safe! Please share your thoughts below or what future article you would like to see. Your opinion is important to us…. this site is for you ❣
Help me Find my Perfect Dream Home!
Tell me what you’re looking for in your new Dream Home…I can help you find the newest and best homes on the market.
See how you can save Thousands.
Have Questions?
Let us know what we can do to help you work your way through the Buying & Selling Puzzle.
Website Development, Production, and Content by Pam Sawyer @ Team Tag It Sold © 2017 All Rights Reserved
Mr. and Mrs. B. Nickelby and St. Andrews
Gordie W. Former Editor Macomb Daily
Real Estate Is a Driving Force in the Economy
As the economy recovers from this year’s health crisis, the housing market is playing a leading role in the turnaround. It’s safe to say that what we call “home” is taking on a new meaning. This is causing many of us to consider buying or selling sooner rather than later. Housing, therefore, has thrived in an otherwise down year.
Today’s high buyer demand combined with low housing inventory means we’re seeing home prices appreciate at an above-average pace. This demand is being driven by those who want to take advantage of historically low mortgage rates. According to Freddie Mac:
“The record low mortgage rate environment is providing tangible support to the economy at a critical time, as housing continues to propel growth.”
These factors are driving a positive impact on the economy as a whole. According to the National Association of Realtors (NAR); the real estate industry provided $3.7 billion dollars of economic impact to the country last year. To break it down, in 2019, the average newly constructed home contributed just over $88,000 per build to local economies. Across the country, real estate clearly makes a significant impact (See map below):
Bottom Line
The American Dream of homeownership has continued to thrive in the midst of this year’s economic downturn, and “home” has taken on a new meaning for many of us during this time. Best of all, the housing market is making a significant impact as the economy recovers.
First and Foremost, Safety First!
As we move forward trying to navigate our way through our new surroundings. Putting your dream of a new a home on HOLD shouldn’t be one of them. Now more than ever knowledge will be your power. Know the Market You’re In and your Negotiation Power.
In Closing
If you have any questions contact us: Chatbot, in the bottom right. Contact me by Email or my Cell @ 248-343-2459. With all the doom and gloom of the virus, one thing history has shown us, this will NOT define us. Stay safe! Please share your thoughts below or what future article you would like to see. Your opinion is important to us…. this site is for you ❣
Help me Find my Perfect Dream Home!
Tell me what you’re looking for in your new Dream Home…I can help you find the newest and best homes on the market.
See how you can save Thousands.
Have Questions?
Let us know what we can do to help you work your way through the Buying & Selling Puzzle.
Website Development, Production, and Content by Pam Sawyer @ Team Tag It Sold © 2017 All Rights Reserved
Gordie W.
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