Cleveland, Ohio: Home and Garden Show

This year the Cleveland Home and Garden Show will be held from February 7th to the 15th, 2009. This years theme: "The Romance of France".

Please stop and visit the Ecobrokers at our table. I hope to be there multiple days. There will be a "Green" area where you can pick-up valuable information.

Watch for future postings with additional information!

http://www.HomeandFlower.com

Live Balled Christmas Tree: Planted to grow another day!

2008 Christmas Tree Front and Center

We purchased a balled Christmas Tree this year and I just planted it. I've done so in the past, then went for a period of time during which I was using cut trees. I've had around a 50% success rate.

Next year consider a live balled tree for the holidays.

Mortgage Industry: Loan Modifications

The mortgage industry has now completed approximately 950,000 modifications of mortgages in 2008.

Merry Christmas !!

Happy Holiday!!

Cleveland, Ohio: Chickens & Honey Bees Need Your Help !!!

Passing along some info - Thanks Carl !! ....

It's down to the homestretch for Cleveland's Ordinance 1562-08- Restrictions on the Keeping of Farm Animals and Bees.
The city planning commission has forwarded the legislation for City Council's approval. However, the fate of the legislation is at this point uncertain.  The legislation needs 11 affirmative votes for passage. Your assistance could be crucial to the effort.
If you are in support of this effort we need your help.

Things you can do:

Cleveland residents can call, write or e-mail your council representative; or do all three. Here's the link to the council directory:

http://www.clevelandcitycouncil.org/Home/CouncilMembers/tabid/59/Default.aspx

If you call, tell the person who answers that you are calling to ask for you representative's support of proposed legislation: Ordinance 1562-08- Restrictions on the Keeping of Farm Animals and Bees.

Additionally,  ask your rep to help by trying to persuade their more reluctant colleagues to support the legislation too.

You rarely will actually speak to your representative, but the aide handling your call should note your support and collect the information about the call.

Writing an old fashioned snail mail letter may have the biggest impact of all, since phone calls and emails are so much easier. If you go this route come to the Rally (see info below) and bring a copy with you so we can present as many letters of support as possible to Councilman Cimperman. 

If you go the email route, please cc: blue.pike.farm so I can collect your efforts and pass them on to councilman Cimperman.

I'm sure you have plenty of good reasons of your own for supporting this legislation, but in case you need a crib sheet try these:

Economic security; in these lean times raising your own food, veggies, chickens for eggs or meat, bees for honey etc. help stretch your families food budget. Maybe you could make a $ or $$ by selling some to your neighbors.

Food security; raising your own food helps insulate you and your loved ones from the contaminants in the industrial food chain (see i.e. this one about antibiotics in the U.S. meat supply; A direct relationship exists between food consumption levels and poverty. Families with the financial resources to escape extreme poverty rarely suffer from chronic hunger; while poor families not only suffer the most from chronic hunger, but are also the segment of the population most at risk during food shortages and famines.

http://www.cleveland.com/plaindealer/stories/index.ssf?/base/opinion/1227951270212840.xml&coll=2&thispage=1
or this about food scarcity:   http://blog.cleveland.com/pdopinion/2008/11/remember_summers_world_food_cr.html#more 

Passage of the ordinance will help support local food initiatives.

Nothing could be safer than growing your own food, or purchasing locally grown foods.

Not a Cleveland resident? Even if you don't live in the city you could call / write and tell our city fathers how much you admire their progressive and forward thinking and how much you wish YOUR city's leaders would follow Cleveland's lead. Address these to Councilman Joe Cimperman:  ward13@clevelandcitycouncil.org

Circulate a petition

Make up your own. "We the undersigned support the Cleveland City Council effort to encourage local food security...yada, yada, yada..... by voting in favor of Ordinance 1562-08- Restrictions on the Keeping of Farm Animals and Bees."

Take the petition to your church, and the grocery store where you shop: Whole Foods, Trader Joe's and the Food Coop seem like no-brainer places to gather support for this cause. Maybe too your favorite local restaurant that supports the local food movement. Don't assume someone else will do this. Bee the change YOU want to bee! Get out and circulate. The exercise will do you good.

Bring your petitions to the Rally (see below).


Encourage your friends to lend their support. Community gardeners, "foodies" and even your in-laws can help.

For example, if you know a teacher, or know someone who knows a teacher or if you ever had a teacher yourself encourage them to get their students involved. Biology, Science, Gov't, Art or Ecology teachers could use this as a teachable moment. Art teachers could encourage their students of all ages to draw pictures of chickens in the city. More advanced students could create You Tube videos in support. Math teachers could construct lesson plans: I rooster + 6 hens equals how many chickens? Hmmmmm. Maybe that's not a math question after all. 

 And of course the History teachers could introduce the eternal question: Why did the chicken cross the Rubicon? Was it to get to Cleveland where it will (hopefully) be welcomed with open arms? (http://www.chickencrossing.org/forum/)

The possibilities are endless!!!!!! Just bring the finished work to the Rally (see below) so we can present all the collective efforts to councilman Cimperman.

-- 
Carl J. Skalak, Jr.

((216) 373-9461

OhioBio / Blue Pike Farm
900 E. 72nd St
Cleveland, OH 44103

Naturally grown vegetables
Organic products for consumers and market gardeners.

Another Green Home in Oberlin, Ohio

If you missed the TV story - here is the link.  Another Green Eco-Friendly home in Oberlin, Ohio.  If a developer was considering an all "Green" development, Oberlin would be a great location!!

http://www.newsnet5.com/money/18291568/detail.html#

Changes at Griffing Flying Services: Important info for Islanders/Sandusky/Port Clinton

Many of us rely on Griffing during the winter months to visit the islands or mainland.  There have been some changes.

All island flights have been moved to Port Clinton.  No flights will be offered to or from Sandusky, Ohio.  You can get additional information and changes at:  http://www.griffingflyingservice.com or 419-734-5400.

Grand Opening: "Nature Spot" at the French Creek Nature Center, Lorain County Metroparks

January 3, 10 am–2 pm

The Nature Spot is a new interactive learning area at the French Creek Nature Center. This is a place where visitors can learn about the plants and animals that use the local forest as their home. Children can climb the indoor tree house and enjoy games and puzzles. They can also watch birds from the tree house. The lower part of the tree house is an exploration area and a puppet area where children can learn about the forest through fun activities. While children play and learn, adults can watch birds and other wildlife in the lower observation area.

Celebrate The Nature Spot's grand opening:
Saturday, January 3, from 10 am–2 pm.
Visit the new room and also enjoy other family activities throughout the event.
Activities will include storytelling, music, crafts, movies, and more.
Refreshments will also be available.

Middle Bass Island: Another Exciting Addition to the Lake Erie Islands

South Bass Island is to the top left. The Village of Put In Bay on South Bass Island is visible. On one side of the marina is the old Lonz Winery building, now also part of the state park. The large building with the yellow roof is the condominiums at St Hazards. Part of the marina area will be home to the popular Middle Bass Island Yacht Club (MBIYC).

This marina should be spectacular - and it is opening in 2009. The Village of Put In Bay also has substantial dockage available. Part of the marina project includes campground improvements. Much of the soil removed from the marina is being used to raise the campground areas making them high and dry for future campers. Visitors can enjoy the various venues on MBI or take a boat/jet ski/or the Sonny S to enjoy all that South Bass Island has to offer. Bird watchers flock to the islands in the spring. The islands are part of a well traveled migratory route, and there are many parks and preserves, to include much of North Bass Island.

Planning your summer vacation time for 2009? - Plan a visit to the Lake Erie Islands.

photo compliments of George Weisenbach - THANKS GEORGE

MAKE YOUR HOLIDAY A SAFE HOLIDAY

Keep Your Holidays Safe, Follow These Basic Tips -

Trees

When purchasing an artificial tree, look for a "Fire Resistant" label.

When purchasing a live tree, check for freshness - make sure the needles are soft and don't fall off. Live trees need water, and lots of it. Cut about one inch off of the bottom of the trunk before putting the tree in the stand. Add water and check daily. Dry trees can burn in SECONDS!

Don't block your exit with your tree.

Remove live trees from your home as soon as possible. Most Christmas tree fires occur on or after New Year's Day.

Lights

• Check each set for damaged sockets or wires. Discard bad sets.
• Use UL approves light sets. Follow the manufacturer recommendations concerning the maximum number of light sets that can be connected together.
• Replace burnt out bulbs with bulbs of the same wattage as indicated on the tag attached to the light set.
• Turn off all lights when you go to bed or leave the house.
• Never use electric lights on a metallic tree. You could be electrocuted.
• Use only light sets and extension cords marked "for outdoor use" outside your home.
• Fasten outdoor lights securely with insulated staples or hooks. Use circuits protected by ground fault circuit interrupters (GFCIs).

Decorations

Use only non-combustible or flame-resistant materials to trim a tree.

Never use lighted candles on or near a tree or other evergreens.

Keep children and pets in mind when placing decorations on a tree.
Gifts

"Think big" when choosing toys for small children - small parts could be a choking hazard. Make sure gifts are appropriate for the child's age.

"Think easy" when choosing a gift for someone who may have arthritis or some other physical challenge.

Make sure there is a "fire-resistant" label on infant's sleepwear.

Consider giving a gift that that shows you care about someone. Smoke detectors, carbon monoxide detectors and fire extinguishers make great gifts.

Fireplaces and Heaters

• Before starting a fire in a fireplace, remove all decorations (including those stockings hung by the fireplace) and be sure the flu is open.
• Do not burn wrapping papers in the fireplace. They can burn extremely fast; throwing off sparks and can ignite creosote that has previously accumulated in the chimney.
• Always use a screen in front of the fireplace. Also consider using a fire-resistant carpet or a mat (ones made for fireplaces) on the floor in front of the fireplace.
• Keep all combustible materials, including wrapping paper away from heaters.
• When plugging in electric heaters, make sure that the outlet was designed to handle the load. Be safe; do not plug anything else into the socket with the heater.
• When using kerosene heaters, make sure you use the correct fuel only. The wrong fuel may cause a fire or explosion.

Be Prepared

• Check your smoke detectors monthly.
• Replace the batteries in your smoke detectors twice a year . Change your clock - change your smoke detector and CO batteries.
• Install smoke detectors on each level of your home and in sleeping areas.
• Develop an escape plan with two ways out from each room.
• Practice your fire escape plan with your family.
• Always remember – if an emergency should occur dial 9-1-1 as soon as you have safely removed yourself from the situation.

Most importantly - when the holidays become stressful, remember the reason for the season. Think about everything you have to be thankful for. Take a moment to wish your local firefighters, police officers, and EMS responders a "Happy Holidays".

Help Make Your Ohio Home More Attractive to Buyers

More Ideas:

• It needs to smell good, but not over-powering.
• Basements can't smell like mildew.
• Fresh Paint - nice - not slapped on.  (neutral colors)
• Shampoo the carpets.
• Dark curtains and blinds should be open or removed.  Let in the light!! (unless you are covering a terrible view)
• Eliminate clutter.
• Low playing music is acceptable.  It should be light jazz or elevator music.  It may help to block noisy neighbors, a nearby factory or traffic noise.
• Fresh mulch.  No weeds.
• Think like a buyer.  If you can't - ask a friend to walk through and be painfully honest.

Ohio Quiz: State flower, bird, tree, animal, stone and wildflower??

State Flower: Red Carnation
State Bird: Cardinal
State Tree: Buckeye
State Animal: White-Tailed Deer
State Stone: Flint
State Wildflower: Large White Trillium

Do You think Real Estate is going green, eco-friendly, sustainable in the future?

If you are involved in real estate and think it is going to change to become more energy efficient and environmentally friendly in the future you should consider becoming an EcoBroker Certified professional.

What is EcoBroker®? The Green Designation™

EcoBroker is the premiere green designation program for real estate professionals.

EcoBroker Certified® professionals help clients market properties with green features, save money, and live comfortably, through energy efficiency and environmentally-sensitive choices. Founded in 2002, EcoBroker was the first and remains the largest green real estate training and communications program in the world. With members in all 50 United States, Canada, Mexico, the Caribbean, Central America, and New Zealand, EcoBroker and its members serve real estate consumers, communities, and the environment with an unparalleled level of care, commitment, and follow-up. EcoBroker training and communications provide professionals with the resources to be constructive green ambassadors in an ever-changing business and consumer world.

EcoBroker offers education and tools to real estate professionals that in turn helps consumers take advantage of energy efficiency and environmentally sensitive design in real estate properties. Through EcoBroker’s unique energy and environmental curriculum, real estate professionals acquire the knowledge and resources to become Certified EcoBrokers. These real estate professionals assist clients in their pursuit of properties that provide affordability, comfort and a healthier environment (reducing carbon footprints).

In order to earn the EcoBroker Designation, licensed real estate agents must fulfill a straight-forward set of requirements. The most important requirement of EcoBroker Certification is that you complete their energy, environmental, and marketing training program. See the introduction to education courses.

As a certified EcoBroker I can offer you a $20 discount off of your course. Simply type EBC11952 into the "code box" to receive your EcoBroker course discount.

The Lorain County Historical Society "Holiday Homes Tour"

The Holiday Homes Tour
Lorain County Historical Society
Sunday, December 14th, 2008
3 pm to 7 pm
$10 per person/$12.50 day of tour
Purchase tickets at The Hickories, 509 Washington Ave
Elyria, Ohio 44035

Tour 6 architecturally interesting vintage buildings.

Lorain County Metro Parks: Lights on the Lake at Lakeview Park

Lakeview Park, 1800 West Erie Ave, Lorain, Ohio
For more information contact: 440-245-1193

Starting Monday, December 8th through Tuesday, December 30th (closed December 25th)
Holiday lighting along Lake Erie. Rose Cafe will be open Mondays through Wednesdays from 5 to 8pm. Refreshments (small fee), crafts the kids can enjoy, and holiday music. Santa will be taking time out of his busy schedule to visit.

Columbia, Carlisle, and York Historical Society Christmas Parties

Columbia Historical Society
Christmas party will be held on Sunday, December 7th at 1pm. It will be held at the Town Hall.

Carlisle Historical Society
Annual Christmas Dinner will be held at the Carlisle Cafe on December 9th at 6pm. Call 458-6971 for additional information.

York Historical Society
The Christmas Party will be held on December 5th at the York Town Hall.

Why List Your Northern Ohio Home with Howard Hanna?

Look at the numbers. There is never a guarantee - but you are going to get more exposure with a Howard Hanna Realtor:

• Approximately 2,500 Sales Associates in Northeast Ohio
• 4,132 Sales Associates Company Wide
• 74 Sales Offices in Northeast Ohio
• 152 Sales Offices Company Wide
• 15,000 Listings Currently in Northeast Ohio
• Over 44,000 Sales Company Wide
• Over 1,100 Open Houses in Northeast Ohio in One Weekend

No other broker comes close within our market area. Call me today at 440-315-6000 to get additional information. For powerful visibility of your home - LeeHisey@howardhanna.com

100% Howard Hanna Money Back Guarantee Guidelines

If you didn't read yesterdays post - read it before you read this to understand the benefits of this program.

Obviously their are guidelines as in any program.

Seller's Application:

1. Minimum price in program - $75,000; Maximum price in program - $600,000
2. Listed with Howard Hanna with a present term of at least 180 days, at the full commission rate
3. Free-standing, single-family dwelling; no co-ops, cluster homes, or condominiums
4. Guarantee fee paid by buyer

Buyer's Application:

1. If buyer wants the Money Back Guarantee, the buyer pays 1% of sale price.
2. Buyer must sign Money Back Guarantee rider and Buyer application at time of presentation of offer
3. Howard Hanna must list and sell the property
4. Free-standing, single-family dwelling; no co-ops, cluster homes, or condominiums
5. Minimum price - $75,000; Maximum price - $600,000
6. Buyer must occupy home as residence

If Buyer Elects To Have Home Trade-In Company, Inc. Repurchase The Home:

1. Buyer must inform Home Trade-In Company, Inc. in writing of election to have home repurchased
2. Buyer must list the property with Howard Hanna
3. Buyer must first purchase a substitute dwelling for not less than 75% of the repurchase price of the first home.
4. Substitute dwelling must be purchased through Howard Hanna for the full selling side commission for sale of the substitute dwelling

Considering buying or selling your Northern Ohio Home? Give me a call. Lee Hisey, Realtor, Howard Hanna 440-315-6000 or LeeHisey@HowardHanna.com

Howard Hanna's 100% Money Back Guarantee!? What's that all about?

If the buyer of a home listed by Howard Hanna is not satisfied, they will buy the home back for 100% of it's purchase price. Are there requirements? Of course. Have they bought back homes? Yes they have.

Benefits to the Home Sellers:

• Sets the home apart from others on the market.
• Buyers are comfortable with a guarantee of knowing that Howard Hanna believes in the value of the home.
• Results in homes selling faster than competing properties.
• Results in homes selling for the highest fair market value.

Benefits to the Home Buyer:

• Gives buyers confidence in the value of the home they are purchasing.
• Overcomes many objections to buying.
• Reassures out-of-state buyers who are unsure of neighborhoods or markets.
• Gives confidence to increase the offer to meet the seller's price.
• shows that, unlike any other Real Estate company, Howard Hanna stands behind the property for 100% of the value.

Tomorrow I'll explain the guidelines. Considering Realtors? Give me a call at 440-315-6000 or email me at LeeHisey@HowardHanna.com.

Open House Success?

Most Realtors know that the open house is a way to obtain more clients/customers but seldom (most sources I googled show a less than one percent chance) result in the sale of the home being held open. Is it worth a shot? Sure - but realize it is a long one at best.

Being part of a "tour of homes" or a similar "event" may help improve the odds - but it is still a long shot. Assume you must hold your home open over 100 times to have a less than 1% chance of a buyer walking through the door. But does it happen? Yes.

What are some other options? Virtual tours with panoramic abilities allow a potential buyer to view the home from a variety of angles prior to actually going through the home. This saves the home owner all of the time and expense of preparing for an open-house over and over again. The party looking for a home can tour it from the comfort of their computer, and call if it looks like something they would be interested in. This increases the chance of them purchasing the home considerably.

Key Point: The virtual tour must be created in a way that keeps them interested, shows details and features in an attractive way, and looks professional. A slide show is not very effective. A moving shot going up or down a beautiful staircase, showing a deck or patio and then moving out to show the view, or showing the wood floors and moving up to the fireplace and finally the vaulted ceiling - those types of shots get telephone calls to see more!!

Interested in listing with an agent who can provide you with a real virtual tour and added Internet exposure - contact me today! Lee Hisey 440-315-6000 or leehisey@howardhanna.com

More Info on Howard Hanna + Realty One

More information from Plain Dealer "Crib Notes" ....

http://blog.cleveland.com/cribnotes/2008/11/yes_howard_hanna_did_in_fact_b.html

e4s Video: Entrepreneurs for Sustainability, Cleveland Ohio Region

Check out the new video. e4s supports and promotes "green" sustainable business practices in Northern Ohio. If you are a business owner and would like to learn more visit one of their meetings. Check their website at http://www.e4s.org for details.

Recycled Laying Boxes: Saves Resources - & the Chickens DON"T CARE !

I gave away all of my poultry equipment several years ago when I decided I would never again raise poultry. Food prices started going up and food scraps were going into the trash or compost bin and I thought - "What a Waste".

I have 6 Cuckoo Marans (they lay the darkest eggs of all chickens) and 4 Americaunas (unfortunately three turned out to be roosters, and I have only one hen who has yet to start laying. Her egg should be blue)

I needed new boxes so I took scrap plywood from our recent "green" remodeling projects, 4 salvaged egg cartons, short pieces of 2 x 4's I had set aside and 8 gutter nails I had picked out of the gardens after the old gutters had been removed and recycled. The chickens are happy - and it didn't cost me any money!

Considering rural property in Northern Ohio? Give me a call: Lee Hisey, Howard Hanna 440-315-6000, leehisey@howardhanna.com.

Asbestos Removal and Greener Alternatives

There are many things to consider when remodeling or purchasing an older home. Homes built before 1980 have the strong likelihood of containing asbestos. Due to a steady progression of technology and green sustainable methods, there are many ways to ensure your home or property is asbestos free. If you are interested in saving money, remodeling and improving your carbon footprint, here is some information to get you on the right track.
Used in millions of homes throughout the last quarter of the 20th century, asbestos insulation can become a real dilemma for homeowners due to causing a variety of health problems, including Peritoneal Mesothelioma and Malignant Mesothelioma. These types of cancer take the lives of thousands each year.

Non-regulated asbestos material removal can be legally performed by homeowners, regular contractors, or licensed asbestos abatement contractors as long as the National Emissions Standards for Hazardous Air Pollutants (NESHAP) are not violated. Asbestos removal in public facilities, homes and workplaces must be undertaken by a licensed asbestos abatement contractor. Once the removal is complete, green insulation options should be given serious consideration, such as: Cellulose, Cotton Fiber and Lcynene.

The United States Green Building Council (USGBC), in a study conducted in 2003, estimated a savings of $50-$65 per square foot for well-constructed green buildings in the U.S. (see table below) during that year. The numbers continue to improve as more eco-friendly options become available, and those kinds of figures have finally begun to attract those who thought eco-friendly construction was just a bunch of hogwash.


Thanks to Jesse Herman, Mesothelioma Cancer Center, jesse@asbestos.com who provided this valuable information.

CONSIDERING PURCHASING A HOME IN NORTHERN OHIO? HEADLINES HAVE YOU WORRIED?

$125,000,000!!!!!!!!!

That's how much funding Howard Hanna Mortgage Services has per month for our clients. You can be certain that there is no shortage of mortgage money available for qualified individuals!

Considering purchasing a home and worried about financing? Contact the Hisey Group today and let us put you in touch with money available NOW!!

Lee Hisey 440-315-6000/leehisey@howardhanna.com
Ernie Hisey 216-218-5168/1-800-974-5184

Serving Western Cuyahoga and Medina Counties, Lorain County, and Northern Erie and Ottawa County to include the Lake Erie Islands.

Avon, Avon Lake, Bay Village, Grafton, Sheffield Lake, Elyria, Vermilion, Lorain, Westlake, North Ridgeville, Wellington, Olmsted Falls, Catawba, Middle Bass Island, South Bass Island, Put In Bay, North Bass Island, Rattlesnake Island, Wakeman, Henrietta Township, Brownhelm Township, Lakewood, Litchfield, Valley City, Columbia Station, and more...

Rahn Emanuel - Hope for the Great Lakes

Just read the PD article on the President Elect's pick for the new White House Chief of Staff. See link:

http://www.cleveland.com/news/plaindealer/index.ssf?/base/news/1226050421113430.xml&coll=2

Federal Tax Credits for Energy Efficient Home Improvements

A $500 dollar tax credit that expired in 2007 has been renewed for 2009. The credit will cover up to $5000 worth of improvements that qualify, and you get a $500 rebate! The bonus is that since it applies to improvements that save you energy - you get to keep even more of your money!! Sorry - 2008 improvements (and I made a lot of them) don't count.

The credit does not cover labor - only equipment. Here are some links for additional information:

www.energystar.gov
www.energyincentives.org

Realty One/Howard Hanna Merger: Things are moving along.

We've been changing our fliers, websites, business cards, stationary - it's a lot of work. I like our new look. A certified "Green" Realtor should work with a company with largely green signs and logo. I think our virtual tours are particularly attractive with the new framing and logo. We create a panoramic virtual tour with every listing, and appearance is everything.

Howard Hanna is now number one in most of our market area. Howard Hanna and Realty One Real Living combined would have had approximately 5600 homes sold in 2008, Russell Realtors approx. 1260, Keller Williams approx. 625 and Coldwell Banker approx. 515. Howard Hanna is now the hands down powerhouse in marketing Real Estate in Northern Ohio.

If you want to sell your home you need to list with the Hisey Group with Howard Hanna. We cover Cleveland's Westside, Avon Lake, Lorain, Westlake, North Ridgeville, Litchfield, Grafton, Wellington, Lorain, Vermilion, Put In Bay, Port Clinton, and all of the areas between.

Certified EcoBroker: Green, Eco-Conscious Realtor For Cleveland, Ohio west to the Lake Erie Islands

Are you considering Green, Eco features in your next home? Are you considering selling a home with energy saving features, natural areas and landscaping, features made of sustainable products, and water saving features?

The Hisey Group serves Cleveland's western suburbs, Lorain County, Western Medina County, and Lake Erie bordering communities west to the Lake Erie Islands (Catawba, Middle Bass, North Bass, Rattlesnake Island, South Bass to include the Village of Put In Bay, and Kelleys Island).

As a certified EcoBroker with Howard Hanna I can focus on those features within your marketing material including a virtual tour, fliers, and major internet exposure. I will educate buyers and sellers regarding "Green" features and their benefits.

We don't just market and show homes based on eco features. Every home is special and unique. If you are a buyer we will try to find homes with those special characteristics you are looking for. "Green" homes, historic homes, horse and alpaca property, waterfronts, island homes, new exciting urban opportunities. This is an exciting time in Northern Ohio, and as the market recovers we are confident that you will have more opportunities and options than in the past. If you are considering selling we use virtual tours to sell those unique aspects to potential buyers. We typically take 50 to 150 pictures of you home, property, neighborhood and community and incorporate them into multiple websites (certified epro), your flier, virtual tour, and other marketing efforts.

Give us a call for more information at 440-315-6000 or email LeeHisey@HowardHanna.com.

Howard Hanna + Realty One = #1 in Ohio

Howard Hanna and Realty One have truly become a regional powerhouse. The combined companies will now have 79 offices with 2,804 Howard Hanna sales associates. That is a lot of support in marketing your property!

Howard Hanna will have a total of 4,394 sales associates and 157 sales offices in Ohio, New York, Pennsylvania and West Virginia. While other companies are shrinking and pulling back Howard Hanna is growing and expanding.

The Hisey Group LLC - NOW HOWARD HANNA!!
Proudly serving our clients for almost 50 years. Considering purchasing or selling Northern Ohio Real Estate? Contact the Hisey Group at 1-800-974-5184 24 hr vm/Ernie Hisey 216-218-5168/Lee Hisey 440-315-6000/HiseyGroup@gmail.com.

Your Howard Hanna Real Estate Team for "Cleveland's Westside to the Lake Erie Islands"!

Serving Avon, Avon Lake, North Ridgeville, Bay Village, Eaton, Grafton, Grafton Township, Litchfield, Wellington, Oberlin, Amherst, Put In Bay, North Bass Island, South Bass Island, Middle Bass Island, Rattlesnake Island, Catawba Island, Marblehead, Sheffield Lake, Vermilion, Lorain, Elyria, Valley City, Wakeman, Brownhelm Township, Pittsfield, Penfield, LaGrange, and all of North Central Ohio.

Realty One Purchased by Howard Hanna

Howard Hanna has purchased Realty One Real Living, and the Realtor world is buzzing. We've seen numbers, but essentially Howard Hanna will now hold approx. 40% of the market share in Northeast Ohio with approximately 1500 Ohio Realtors.. The two largest, strongest companies in our area are now forming one company. Howard Hanna and Realty One have always battled over first and second place over recent years, and together they will form a powerful force for marketing your unique Ohio property.

We will pass along information as we receive it, but with relocation services, internet presence, inventory, marketing outlets and methods, and local, regional, national and international marketing efforts this company will be the major force in marketing and selling real estate in Northern Ohio.

This change will take place gradually over many months. Realty One signs will gradually be replaced by new signs. As always communication with all customers and clients will be a priority for the Hisey Group, LLC. We'll keep you posted!!

New Website: Ohio Waterfront Condominiums, Lakefront, Riverfront and Island Condos

Looking for a waterfront condominium in Northern Ohio? Lake Erie frontage, islands, and rivers feeding Lake Erie in North Central Ohio have some of the most beautiful condominium developments in Ohio. Amenities can include the usual pools, club house, golf and tennis - but additionally they may have marina facilities, beach access, boat ramps and waterfront walkways. The views of course can be amazing!

Visit our new site can be found through:

http://www.CondosOnLakeErie.com and
http://www.OhioWaterfrontCondos.com

Looking for a waterfront condominium? We'd be happy to have one of our buyers specialists arrange a waterfront condo tour for you. Why wait for an open house and fight the crowds?

Considering selling your lakefront, riverfront, or island condominium? Give us a call today at 440-315-6000. Call now for early spring listings. We take extensive tour photos and do virtual tours of your unit as well as the development as a whole.

Hisey House Rehab: Sealing Our Home w/ Siding, Wrap, Caulking, Foam

Our old siding and gutters were hauled off and recycled. Aluminum is in demand. The Grafton Township house had previously had blown-in insulation through the siding and tar paper wrapped the house under the siding.

Prior to installation I topped off all of my blown-in insulation with a green eco-friendly product. It's amazing how much I used. Some areas that had plugs took bags of siding - including our original bathroom exterior walls. (I always had trouble with the pipes freezing - now I know why). I went through an entire box of caulking tubes and 8 cans of foam making the house as airtight as possible prior to the wrap and siding being installed. Our new siding is CedarMAX thermal siding (foam on the back) over a green house-wrap. This is thick siding with up to 500% greater impact resistance than standard siding. Heartland guarantees a 20% energy savings with 4.0 R factor. Because of the design it is more insect resistant and wind resistant - important living in the country surrounded by fields.

We also had the contractor, Dan Bieri, build out the casings and wrap everything not covered in vinyl in aluminum. The seams were again caulked. (Daniel Bieri Construction, P.O. Box #69, Amherst, Ohio 44001 440-669-2816) We added new gutters to the house as well as adding gutters to the pole building. I'll be running piping underground in the spring to carry water from the downspouts to the pond. I have a pump supplying water from the pond to faucets to irrigate my landscaping and vegetable garden.

My wife Maria and I are hoping to get maximum life out of the products we chose as well as substantial energy savings. We recycled what we could, and have a home that looks fantastic! We are updating an existing 150 year old home on it's existing footprint making it far more energy efficient. We've added solar sensors on most of our exterior lights, replaced older lights and bulbs with energy efficient options, and hope to add more energy saving features in the future.

We still have many projects in the works, but the 203k loan made this part of the project possible. Please feel free to call or email me for information, recommendations or if you'd like to utilize the Hisey Group to search for your next home. 440-315-6000 or lee.hisey@realliving.com

The Hisey House Grafton, Ohio House Rehab Project

I've been documenting various parts of my summer house rehab. This is the home I live in, and I have been trying to make energy efficiency my priority.

In the last three years, with the help of friends and contractors, I've done extensive rehab to our 150 year old home. It has logs, blacksmith nails, the whole nine yards. Unfortunately any unique trim, glass work, etc was lost long ago. Studs are all different, spaced differently, and many still have the bark on them. Windows and doors all have different measurements. It can be a challenge.

Prior to this summer we had replaced our roof with 30 year shingles after replacing rot. Thirty year shingles last longer - going into a landfill 10 to 20 years later than less expensivee shingles on the market. We added a second full bathroom requiring major work. Rather than adding to our 1524 square foot house we are building two rooms and a loft in our pole building for a future exercise room, storage and an office.

This summer we replaced our old septic system. It was becoming obvious that the old system was no longer functioning probably resulting in bacteria going into the front ditch. We now have a new state of the art sewage system.

I wrote about our new high efficiency heating, cooling and air filtration system earlier. I'm excited to discover the difference it will make in our bills this year.

This summer we also replaced the last of the old inefficient windows and doors. We chose Regency Windows Polaris Smart Saver windows and a new front door. The old door was original, but very small and low. It also allowed a substantial amount of heat loss. The windows were all single pane and would actually shake in strong winds. We have now replaced every window and door in the house but one. (next year)

Expanding Our Northcoast Real Estate Team: The Hisey Group is Growing

We are excited to be adding two new Realtor agents to our team in January. Sharon Weisenbach will help us cover the Lake Erie Islands, to include Catawba Island, South Bass Island (Put In Bay), Middle Bass Island, North Bass Island, Rattlesnake Island and Kelleys Island. Realtor Debbie Burnworth will work with buyers in Avon, Avon Lake, North Ridgeville, Bay Village, Sheffield, Sheffield Lake and the surrounding areas. We have been looking for agents that feel customer service is a priority, and we've found them!

We have a new website coming online later this month focusing on lakefront, riverfront, and island condominiums. We feel these neighborhoods have not been receiving adequate attention - they should be marketed more effectively. Condominium developments with lake and river frontage generally offer unique qualities that can't be found in other condominium developments.

Watch for updates and additional info on Sharon and Debbie in January! If you are looking for a home, relocating to Ohio's Northcoast, or considering selling - give us a call! We cover Cleveland, Ohio's Westside to the Lake Erie Islands. 440-315-6000/1-800-974-5184.
http://www.HiseyGroup.com

Mortgage Update from Real Living Mortgage Consultant Lisa Coffey

Current mortgage rates:
30 yr fixed, 1% orig. = 6.000%
30 yr fixed, no orig. = 6.250%
15 yr fixed, 1% orig. = 5.625%
15 yr fixed, no orig. = 6.125%
FHA 30 yr, 1% orig. = 6.250% (only 5.250% for the first year with our FREE 1-year Buydown!)
VA 30 yr, 1% orig. = 6.375% (only 5.375% for the first year with our FREE 1-year Buydown!)

News you can use:

National City Bank sold: On Thursday last week, PNC Financial Services Group Inc. reached agreement to acquire National City Bank in a $5.58 billion cash and stock deal. Meanwhile, PNC also announced that it plans to sell $7.7 billion in preferred stock and warrants to the U.S. Treasury, making it one of the first banks to participate in the government's $250 billion injection of capital into banks. Essentially, what is occurring is that the government's capital is being used by PNC (a "strong" bank) to buy NCB (a "weak" bank), and you can probably expect similar consolidations to occur in the weeks and months ahead. How does this affect you? For one, with all of the uncertainty and changes occurring, it's good to know that your lending partner, Real Living Mortgage, is under the "strong bank umbrella" as an affiliate of Wells Fargo Home Mortgage. Our products, programs, and strength remain ready to serve you and your customers both now and in the future, and you can be confident that by partnering with us, you are partnering with a lender who will be with you for the long-haul.

Did You Know that the following buyers can still get standard, low interest rate mortgages from Real Living Mortgage?
Low down payments: 3% down for FHA, 5% down for convention loans!
Not perfect credit: Conventional loans with credit scores as low as 620, FHA loans even lower than that (still with low rates!). Mortgages are also available if your buyer doesn't have much established credit at all!
High debt ratios: We can still approve borrowers, in different situations, with debt ratios at 50% or higher.
The point is, your buyers don't have to be perfect to work with us. Encourage your buyers to look into their options with us, and we'll work with you to help them buy a home now!

Thanks Lisa !

Ohio's NorthCoast Wineries: Lorain County, Erie County, Ottawa Counties

Do you enjoy wine? Do you love northern Ohio?

If your answer is yes you should take a road trip this fall and visit North Central Ohio's wineries.

Most are family owned and operated so you are also supporting local families and agriculture.

Amherst:

Single Tree Winery
12488 Baumhart Rd, Amherst, OH 44001
Telephone: 440-965-7777

Avon Lake:

Klingshirn Winery, Inc.
33050 Webber Road Avon Lake, Ohio 44012
Telephone: (440) 933-6666 Fax: (440) 933-7896

John Christ Winery
32421 Walker Road Avon Lake, Ohio 44012
Telephone: (440) 933-9672 Fax: (440) 933-6956

Port Clinton:

Mon Ami Historic Winery
3845 E Wine Cellar Rd, Port Clinton, Ohio 43452
Telephone: (419) 797-4445

Put In Bay:

Heineman Winery

978 Catawba Avenue Put-In-Bay, Ohio 43456
Telephone: (419) 285-2811 Fax: (419) 285-3412

Sandusky:

E&K Winery

206 West Market St. Sandusky, Ohio 44870
Telephone: (419) 609-9981 Fax: (419) 609-9452

Firelands Winery

917 Bardshar Rd.Sandusky, OH 44870
Telephone: (800) 548-WINE

Hermes Vineyard

6413 S. Hayes Avenue (Route 4) Sandusky, OH 44870

Telephone: (419) 626-8500

Wakeman:

Matus Winery
15624 Gore OrphanageRd., Wakeman, Ohio 44889
Telephone: 440-213-1739 or 440-774-WINE

Westlake:

Heartland Vineyards

24945 Detroit Road Westlake, Ohio 44145

Telephone: (440) 871-0700

Low Flow Toilets

The following is compliments of www.ecobroker.com (I am a certified EcoBroker):

Technology Snapshot & Benefits:
Low-flow toilets are specifically designed to use less water during each flush. This is an important feature in an increasing number of areas throughout the country where water is limited. In all parts of the country, low-flow toilets make simple sense by conserving a natural resource used for routine and mundane tasks. To gain an appreciation of what a low-flow toilet can mean to you and your community, take a field trip to your local sewage treatment plant and look at the effort and expenditure required to treat sewage and reclaim water. Low-flow toilets make sense, particularly in water-constrained areas.

Estimated Cost Savings:
Water is still an under-valued resource but general understanding of its importance is growing. Mark Twain may have had it right when he commented "We know the worth of water when the well runs dry." A state-of-the-art low-flow toilet may consume less than two gallons of water per flush compared to five or more gallons with "old" technology toilets. The new toilets can cut your expenditure for flushing in half, or more. Yet flushing is only part of your annual water budget and you should pay some attention to the performance of your clothes washer and dishwasher as well.

Issues:
For new homes, getting a low-flow toilet may not be an option, it may be required by local building codes. Like most consumer items, retrofit models can vary in their design and effectiveness. For a good coverage of issues, see Consumer Reports, October, 2002, page 52.
Regional Issues:Toilet options may depend on local building codes and sources of supply.
Installation (Getting It Done):Be sure to get bids from two or three (or more) plumbers to gain immediate perspective on the true value and costs of low-flow toilets in your area.

More Articles on This Topic:
U.S. Department of Energy's Office of Energy Efficiency and Renewable Energy: How to Buy a Water-Saving Replacement Toilet
U.S. Department of Energy's Federal Energy Management Program: Energy Cost Calculator for Urinals and Toilets

Landscaping: Shade Trees and Windbreaks

The following is compliments of http://www.ecobroker.com%20(i%20am%20a%20certified%20ecobroker)/:

Technology Snapshot & Benefits:
Perhaps the most pleasant economic savings can be derived from judicious and mindful planting of trees and shrubs. The value of traditional plantings serving as windbreaks is well known. Additionally, well-placed deciduous trees can shade a building during hot summer months yet allow warming sunshine to enter a building when warmth is needed in the winter.

The summer shading feature of trees is particularly important for the following reason. Most homes are cooled with traditional window- or central- air conditioners using fractional horsepower single-phase electric motors and modern refrigerants (chlorofluorocarbons that are less potent greenhouse gases than their predecessors). The electro-mechanical efficiency of air conditioner components ranges from 35-50% based upon the electrical energy available at the plug. But that electricity is arriving at your building with an overall efficiency of about 30% based upon the energy content of the fuel going into the central electrical power plant. So, when the overall fuel cycle is considered, building air conditioning is about 10-20% efficient, on the basis of energy flow. Fortunately, humans feel a cooling effect from simple air movement that increases evaporation from the skin. Most air conditioning rating systems incorporate this cooling effect, so their efficiency numbers do not appear quite so grim. However, when shade trees cool a house such that one unit of air conditioning energy is avoided, 5 to 10 units of primary energy are avoided at the power plant. This is not only an important economic savings to you, but also a very important environmental savings to the community.

Estimated Cost Savings:
Air conditioning in buildings represents 13-15% of your annual electricity budget, and a larger fraction during summer months. By reducing the amount of air conditioning required, shade trees directly affect your bottom line. The cost of quality shade trees ranges from a few dollars for a seedling to several hundred for a much larger tree. It's a good idea to get at least an 8-10 foot high tree if possible. The sooner the tree grows shading capacity, the sooner you can enjoy savings. The amount of savings can vary widely due to local circumstances but typical savings are on the order of 10-20% of a summer electric bill. Similar savings from a windbreak will be realized in winter during the heating season.

Issues:
Consider planting several varieties of trees: some fast-growing species (such as ash or aspen) for quick shade and more durable, slower-growing and longer-lasting trees (such as maple or oak) that will eventually dominate. Shop around for the best warranty on trees. Many nurseries provide planting and care instructions and will offer a one-year replacement guarantee.

Regional Issues:
Plant varieties appropriate to your climate. Some species of trees grow more slowly than others so you need to get started as soon as planting season arrives.

Installation (Getting It Done):
Spring and fall are the best times to plant. Be sure to follow planting instructions and err on the side of digging too large a hole. Be sure to incorporate organic material in the planting soil and to stake trees to provide mechanical support. Mulch heavily and water thoroughly during summer dry spells.
Be sure to get bids from two or three (or more) nurseries and/or landscaping contractors if you choose not to plant the trees yourself. Multiple bids will allow you to gain immediate perspective on the true costs and value of trees in your area.

References:Cooling Our Communities, A Guidebook on Tree Planting and Light-Colored Surfacing, US EPA 22P-2001, January, 1992.
More Information On This Topic:
U.S. Department of Energy's Office of Energy Efficiency and Renewable Energy: Landscaping
U.S. Department of Agriculture's National Resource Conservation Service: Windbreaks

New Condo Listings on Middle Bass Island!

East Point Villas, Middle Bass Island, Ohio

Unit #7, $285,000 New Construction

Ready to move in! 3 Bedroom/1 Full Bath

Unit #4, $265,000 New Construction

In Progress - Still time to customize some details!!

3 Bedrooms/2 Full Baths

Wooded back property. Lakefront with pier and ramp. Beautiful shaded front lawn area. Amazing view of other islands and Perry's Monument! Watch the tall ships come in. The "Quiet Island for Active People". Call me today for details at 440-315-6000 or email at lee.hisey@realliving.com

E4S Meeting October 21st: Future of Green Building in Northeast Ohio

Another great meeting. Green building issues were discussed and I think there was a great deal of optimism in the room. Green building will increase out of necessity. I got the impression that in many ways commercial Ohio buildings are leading the way because of the realization that construction utilizing eco-friendly features saves businesses money. This knowledge is gradually trickling over to the residential market. It can save homeowners money as well as businesses! I personally think it is also going to make homes far more marketable in the future.

I'm a member of Entrepreneurs for Sustainability and you can be as well. Visit http://www.e4s.com for future events and details.

Dr. Stuart Hart at Baldwin Wallace College in Ohio

On Tuesday, October 20th at 8pm I enjoyed listening to Dr. Stuart Hart speak at BW's Gamble Auditorium. Dr. Hart is a leading authority on environmentalism and the implications of sustainable development for business strategy. He is also a professor of management at Cornell University. His book "Capitalism at the Crossroads" is in it's second edition. It has a new forward by Al Gore.

Interesting lecture with some interesting questions following his talk. The poor, those in poverty, are a huge potential market for entry level products. It's easy for us to think in American terms - the poorest of us wealthy in relation to many other countries. For many people even a simple solar powered light may be their first electric light - and electricity for their entire community could be created using solar and wind from day one.

Energy Audits and Your Ohio Home

What is an energy audit and why should you consider getting one?

Getting an energy audit of your home involves testing various characteristics of a building and recording the results in a comprehensive report. Items tested focus on the building envelope (walls, floors, ceilings, doors and windows) and it's resistance to heat flow. The infiltration of air through the envelope is tested because that equates to lost heat and air conditioning.

A quality audit should also include a review of the mechanical systems such as heating and AC, your hot water tank, appliances and other powered appliances.

The auditor will ask questions about your actions/behavior/schedules involving energy use and review previous fuel oil/propane/natural gas/electric bills and statements.

Solutions may include weatherstripping, insulation, window and/or door replacement or upgrades such as storm doors and windows. They may suggest servicing or a replacement/upgrade of appliances, a change in thermostat settings, or simply a change in your personal behavior.

For more information visit:

Energy Star - Home Energy Audit

or click the below link to view a video for Realtors on the importance of energy audits to our clients:
http://link.brightcove.com/services/link/bcpid1726689516/bctid1726708597

Medina, Ohio Parks 7th Annual Nature Art Fest

Art inspired by nature will be displayed at hte Wolf Creek Environmental Center on November 8th from noon until 4pm. Spend a day at this beautiful park and do some early holiday shopping at the same time. Admission is free and no registration is required. No pets please.

Wolf Creek Environmental Center
6100 Ridge Road
North of Sharon Center on State Route 94

Ideas to Save Energy & Money in Cold Northern Ohio Weather

Winter is coming and Ohioans are looking for ways to save energy as heating bills begin to climb. There are simple steps anyone can take to stop energy waste.

1. Use a programmable thermostat, and program home heating based on your schedule. Have it set at a lower temperature at night when you are under the covers, and when you are at work.
2. Are there cheaper heating options? Own a wood lot or have access to inexpensive wood? If your in an area that produces corn - have you considered a corn furnace?
3. Caulk and foam all cracks and crevices to keep the heated air in and the cold air out.
4. Dress in warm layered clothing when indoors during cold weather.
5. Use storm windows or plastic film over windows to prevent heat loss.
6. Don't have storm doors? - Consider them. They are particularly effective on the side of the house that tends to get hit by the most wind.
7. Open blinds and curtains on the "sunny" side of the house during the day, and close all blinds and curtains at night.
8. Avoid planting evergreens on the sunny side of the house. They will block the sun hitting the house in the winter. Deciduous trees help cool the house in the summer but do not block the sun in the winter.
9. If you have older windows make sure all of the panes are in good condition and that glazing is complete.
10. Do you have enough insulation in your attic? Climb up and check. Add as needed.
11. Older home? Consider blown in insulation.
12. Close areas you do not or seldom use and reduce or eliminate your heat to those areas.
13. Check walls and floors that have pipes, wires and duct work passing through them - seal any space to prevent heat loss.
14. Going on a vacation? Turn off your hot water tank and reduce your heat.
15. Older hot water tank? Consider wrapping it with an insulation wrap. While you are at it wrap the hot water pipes coming from the hot water tank.
16. Get your furnace serviced.
17. Dust/vacuum vents, radiators and other heat units. Dust makes them less efficient.
18. Tape cracks and holes in your duct work.
19. Always check your filters and change them as needed.
20. Contact your heating company. Are special rate plans available? Budgets, billing contracts, lock-in price guarantees, etc.
21. Keep your fireplace damper closed when it is not in use. A glass screen or doors can help to reduce heat loss and drafts.
22. Replacing your system? Consider a high efficiency system.
23. Only use exhaust fans when actually needed.
24. When cooking put pots and pans on similar sized burners. Defrost meat prior to cooking. Plan meals to cook efficiently. Only preheat for the time needed and don't open your oven frequently during cooking.
25. Turn off lights, unplug electronics when not in use and use those electronics and appliances during the lower rate periods (check with your electric company).

Vote YES for Issue 2 on November 4th! Not a tax increase.

The Clean Ohio Fund is protecting wildlife habitat and the water we drink, creating jobs and improving the places we work, live and play all over Ohio.

Keep the Clean Ohio Fund functioning - vote YES for Issue 2. It will not raise taxes!

Lorain, Ohio: Unlimited Potential - Some very good developments ??

Lorain, Ohio has such unlimited development potential but it has consistently been pushed down by bad press, an entrenched "Old Boys" (and girls) network (gradually being replaced by "New Blood" hungry for change), and poor self image.

It's true that the Charles Berry Bascule Bridge is still up in the air cutting off traffic (literally) due to some maintenance mishaps, but there are some positive happenings in this potential gold mine.

The Lorain County Metropark's plans to complete the trail to Lake Erie are still on the board. The ferry service from the Black River Landing is set to start next year, and rumor has it that there are a number of exciting businesses set to sprout along the river's west bank. As Realtors that do substantial island business we hope this service is very successful and well used.

The discussed commuter rail system would help to offset the lack of convenient highway access from downtown, some higher end housing with a modern theme and an arts community surrounding the Lorain Palace would help to attract a more educated workforce.

It would be difficult to find more affordable real estate in a lakefront community. If Lorain can get through this difficult economic period it can set itself up to actually catch the next rebound. Lakefront, riverfront, room for new buildings and historic buildings waiting to be renovated and restored all await potential developers. The critical mass of development projects and money have yet to be reached - but it is possible.

Financing Update: Considering a loan for your Northern Ohio Real Estate?

Here is a fresh update (yes I cut & pasted it) from our resident Mortgage Consultant regarding loans. I'll try to post updated info as often as possible - crazy financial times and all.

Current mortgage rates:
30 yr fixed, 1% orig. = 6.125%
30 yr fixed, no orig. = 6.500%
15 yr fixed, 1% orig. = 6.000%
15 yr fixed, no orig. = 6.375%
FHA 30 yr, 1% orig. = 6.500% (only 5.500% for the first year with our FREE 1-year Buydown!)
VA 30 yr, 1% orig. = 6.625% (only 6.125% for the first year with our FREE 1-year Buydown!)

News you can use: Mortgage credit availability still plentiful: Along with all of the swings in the stock market and all of the other national news, I am often asked about how much the availability of mortgage credit has tightened. Several people have told me that they heard that buyers now need 20% down payment and high credit scores. This is not true!

Here is just a brief sample of programs still offered through Real Living Mortgage:

0% down first-time buyer programs
3% down FHA loans
5% down payment conventional loans
Programs for borrowers with credit scores at or below 600

Sure, "Liar Loans" where incomes were fictitious and credit scores were awful are (thankfully) gone, but that is all good and reasonable. For most of your customers, however, great programs are still available, lots of homes are available, and it is a great time to buy a home! Don't take the national headlines at face-value…Tell your buyers to look at their options with Real Living Mortgage today!

Interest rates up a bit: While interest rates increased in the latter part of this week, keep in mind that an increase of even one-half of a percent doesn't necessarily have to be a deal breaker for a homebuyer. For instance, on a $150,000 loan, an extra .500% means a little over $60/month extra in interest. When your customer finds the right home and is already prepared to spend about $1,300/month, that small increase should be kept in perspective, along with the fact that rates are still historically excellent.

OHFA rate changes: Rates offered through the State of Ohio's first-time buyer program increased to 7.000% this week (7.500% with down payment assistance). Real Living Mortgage will do better than that for first-time buyers! Our normal FHA rates are much lower than that already, and our FREE 1-year buydown helps even more. Have your First-Timers call me now!!!

Lisa A. Coffey
Mortgage Consultant Real Living Mortgage, LLC MAC M6974-011
32713 Walker Road Avon Lake, Ohio 44012
Work - (440)527-0190 FAX - (440)527-0190
lisa.a.coffey@reallivingmortgage.com
Please visit my web site at: www.Lisacoffeyonline.com

Thanks Lisa