Sunday, January 31, 2010 expects a big listing month in Feb. in Mason, OH. Spring season is definitely coming early this year! Call Sibcy Realtor Michelle Sloan

Friday, January 29, 2010

List and Sell with Michelle!
In Mason, Oh.

Realtor Michelle Sloan is seeking 2 new listings in 45040. If you want to sell-call NOW!

Thursday, January 28, 2010

Top real estate agent in Mason, Ohio!!
Ranked #3 at Sibcy Cline Northeast office. #34 in the company!
Michelle Sloan, Realtor


Tuesday, January 26, 2010

Home Buyer Changes - FHA

On Jan. 20, 2010, HUD issued a press release with regard to FHA lending changes. It addresses risk and the strengthening of finances. One major change, as shown below, states:

- New borrowers will now be required to have a minimum FICO score of 580 to qualify for FHA’s 3.5% down payment program.

- New borrowers with less than a 580 FICO score will be required to put down at least 10%.

For more info contact your lender or get a great referral from Sibcy Cline Realtor Michelle Sloan.

Monday, January 25, 2010

Do you want to build new new home in Cincinnati? Are you planning to visit a model home?? Don't go alone. Get the best deal if you take your Realtor with you!

Thursday, January 21, 2010

Open House - Complete List

Are you planning to purchase a home in the next 3 months?

You can see a complete list of open houses in the Cincinnati area here:

Cincinnati MLS Open House Search

Buyers searching in the Northern Cincinnati area.. contact Sibcy Cline Realtor, Michelle Sloan for a personalized plan to purchase a home.

Request a FREE Northern Cincinnati Home Search  --
email Michelle Sloan at
Include -- contact info, price range, area of search and any specific housing needs.

Monday, January 18, 2010

Investors -- News Alert


Measure to help bring stability to home values and accelerate sale of vacant properties

WASHINGTON - In an effort to stabilize home values and improve conditions in communities where foreclosure activity is high, HUD Secretary Shaun Donovan announced a temporary policy that will expand access to FHA mortgage insurance and allow for the quick resale of foreclosed properties. The announcement is part of the Obama administration commitment to addressing foreclosure.

"As a result of the tightened credit market, FHA-insured mortgage financing is often the only means of financing available to potential homebuyers," said Donovan. "FHA has an unprecedented opportunity to fulfill its mission by helping many homebuyers find affordable housing while contributing to neighborhood stabilization."

With certain exceptions, FHA currently prohibits insuring a mortgage on a home owned by the seller for less than 90 days. This temporary waiver will give FHA borrowers access to a broader array of recently foreclosed properties.

"This change in policy is temporary and will have very strict conditions and guidelines to assure that predatory practices are not allowed," Donovan said.

The policy change will permit buyers to use FHA-insured financing to purchase HUD-owned properties, bank-owned properties, or properties resold through private sales. This will allow homes to resell as quickly as possible, helping to stabilize real estate prices and to revitalize neighborhoods and communities.

"FHA borrowers, because of the restrictions we are now lifting, have often been shut out from buying affordable properties," said FHA Commissioner David H. Stevens. "This action will enable our borrowers, especially first-time buyers, to take advantage of this opportunity."

The waiver will take effect on February 1, 2010.  To protect FHA borrowers against predatory practices of "flipping" where properties are quickly resold at inflated prices to unsuspecting borrowers, this waiver is limited to those sales meeting the following general conditions:

1. All transactions must be arms-length, with no identity of interest between the buyer and seller or other parties participating in the sales transaction.

2. In cases in which the sales price of the property is 20 percent or more above the seller's acquisition cost, the waiver will only apply if the lender meets specific conditions.

3. The waiver is limited to forward mortgages, and does not apply to the Home Equity Conversion Mortgage (HECM) for purchase program.

Specific conditions and other details of this new temporary policy are in the text of the waiver, available on HUD's website.


HUD is the nation's housing agency committed to sustaining homeownership; creating affordable housing opportunities for low-income Americans; and supporting the homeless, elderly, people with disabilities and people living with AIDS. The Department also promotes economic and community development ad enforces the nation's fair housing laws. More information about HUD and its programs is available on the Internet at and

For a FREE Search of foreclosure homes in the northern Cincinnati area, contact Sibcy Cline Realtor Michelle Sloan.

Sunday, January 17, 2010

First time homebuyers--time is running out to take advantage of tax credit. Don't wait til March/April to start looking. In northern Cincy,

Thursday, January 14, 2010

Setting up showings for the weekend. Thinking about listing in northern Cincy? Don't wait til spring. Call Michelle Sloan today!

Circle Of Excellence Award Winner

Sibcy Cline Realtor Michelle Sloan was recognized today as one of the top real estate agents in the Cincinnati area.  Presented with the Circle of Excellence award for sales from the Cincinnati MLS.

Congrats Michelle!

"I love what I do!  Selling homes and making dreams come true."  Michelle Sloan

If you want to list your home or purchase one in the northern Cincinnati area, contact Michelle Sloan directly at 513-600-5277.
Big weekend ahead for open houses! Check out my listings at or all open houses in Cincy area at

Monday, January 11, 2010

Cost vs Value - Cincinnati, OH

Are you thinking about doing a remodeling project this winter to increase the value of your home?? Basements, Bathrooms and Kitchens often give homeowners the most bang for the buck.

Check this chart: Cost vs Value - Cincinnati

Also, ask for the opinion of your Realtor.  In Northern Cincinnati call Sibcy Cline Realtor Michelle Sloan for a free Comparative Market Analysis.  This analysis will help you decide if a home renovation will add to the value to your home, compared to other homes in your area/neighborhood.

Michelle Sloan, Realtor

Price Reduction - Best In Neighborhood!!

5980 Deer Run Dr, Deerfield Twp. OH, 45040

Schedule a private showing today -- This home is perfect for 1st time Homebuyer!
Call Sibcy Cline Realtor, Michelle Sloan
513-600-5277 or
Serious Buyers only --

Friday, January 8, 2010

Busy weekend ahead. Plan to attend open house on Deer Run Sunday. Deerfield twp. Details

New Listing - Mason Schools

6081 Mere Dr, Mason, OH 45040

Resort Living in the Heart of Mason! Beautiful 4BR w/oversize inground pool on private lot. Open flr plan. Approx 4000 sf, Fin. LL w/wet bar, 60K+in upgrades, new granite counters, carpet. Huge master suite. Culdesac. Close to schools.

Call Sibcy Cline Realtor Michelle Sloan for a private showing.  Serious Buyers only.


Thursday, January 7, 2010

The 2010 Home Buyer Tax Credit

Late last year, Congress modified the $8,000 First-Time Home Buyer Tax Credit program, converting it from a "first-time" buyer program into an "everyone" buyer program.

Under the new terms, first-time buyers are eligible for up to $8,000 in federal tax credits and long-time homeowners can get up to $6,500. A "long-time" homeowner is someone who has owned a primary residence for 5 or more consecutive years dating back to 2002.

April 30, 2010 : You must be under contract for your new home

June 30, 2010 : You must be closed on your new home

Start your home search now with Sibcy Cline Realtor Michelle Sloan.

The best Realtor in Mason, West Chester, Loveland, Maineville and surrounding northern Cincinnati area!!

Tuesday, January 5, 2010

Lakota Schools - Great Listing

8719 Bluebird Dr, West Chester OH-45069

Great ranch w/40K+ in upgrades. 3BR/2BA on 1 acre lot. Roof/water heater '09, new paver patio, driveway & walk '07, fenced yard, energy eff whole house fan, 18x18 shed, newer windows & patio door, updated baths. Minutes from I75 & shopping.

Call Sibcy Cline Realtor Michelle Sloan for a private showing.  Serious Buyers only.  513-600-5277.

Interest rates predicted to reach 6%

Interest rates are likely to rise to 6% by the end of 2010, predicted Amy Crews Cutts, deputy chief economist at Freddie Mac.

The end of the Federal Reserve program that buys mortgage-backed securities will drive rates higher because private buyers will demand more return than the Fed.

"Extraordinary resources have been put into keeping the rates down and supporting the mortgage markets and it's hard to imagine that the rates can go much lower than they are," Crews Cutts said. "Anything we get at or below 5% is a gift at this point."

Source: Washington Post

So, don't wait.  If you are planning to buy this year.  Do it now!!  Rates are hovering around 5%.  You can get a lot more home for your money with a lower interest rate.  In northern Cincinnati including Mason, West Chester, Maineville, Loveland - Call Sibcy Cline Realtor Michelle Sloan for the latest and best information regarding real estate in the area.

Monday, January 4, 2010

Home for Sale - Mason Schools

5980 Deer Run, Mason OH 45040

Open House - Sunday January 10

3 BR Gem with lots of updates.  Great for 1st time homebuyer.
Call Sibcy Cline Realtor Michelle Sloan to schedule a private showing.  Serious buyers only.  513-600-5277.

Planning to Buy in 2010

Now is a great time to consider buying a home. 
It's a new year and it pays to buy a home instead of renting.

1. First time homebuyers may be eligible for a tax credit if purchasing before the end of April 2010.
2. Interest Rates are still low.
3. Good selection.  More homes will be on the market in the coming months.

Important Steps Before Home Shopping

1.  Get Qualified - talk to a Mortgage Broker ASAP
2.  Talk to a Realtor in the area you want to buy - create a plan

In Northern Cincinnati including Mason, West Chester, Blue Ash, Sharonville, Maineville, Landen  CALL Sibcy Cline Realtor, MICHELLE SLOAN.

Make an appointment with Realtor Michelle Sloan to create a specialized plan to get you into a home you can afford and she offers great referrals for quaified mortgage brokers, home inspectors and contractors for home improvements.  Michelle Sloan is your real estate expert in Northern Cincinnati, Ohio.