Happy Thanksgiving. Enjoy the weekend. Be safe!

Sibcy Cline Realtor Michelle Sloan... Working open houses in Anderson twp today. See them at www.sloansellshomes.com

Some great price reductions today.. Check my listings at www.sloansellshomes.com

Networking $$ opportunity-seeking banker/web designer/home remodeler. BNI MBL-8:30-10a Wed @5 Seasons on Snider. Call Michelle Sloan @ 513.600.5277 for details.

If you need help with storm cleanup check out Sibcy Cline Home Services for a free referral. www.sibcycline.com

Renting a home or apartment? Low interest rates! BUY a home and get a tax deduction. www.sloansellshomes.com

Open house now til 1p - 7898 Ayerdayl Anderson twp 45255 www.sloansellshomes.com Lots of updates/low rates/great price. Ready to move in and priced to SELL!

Open Now-8392 Cottonwood, WC 45069. www.sloansellshomes.com New low price! 1st floor master/finished lower level. Beautiful home!

Open Now - 7128 Inverness Ct, WC 45069. www.sloansellshomes.com Asking $183K! 4BR/large lot/close to schools & shopping, I75.

Did U know? Foreclosures are often NOT the deal they appear 2B. Foreclosures need more maint & upgrades than regular sales. U will likely break even in the end.

Open now - 5912 Rocky Pass, WC 45069 Covered Porch/finished basement www.sloansellshomes.com Check out pics and info. Ready to move in!

1st Timebuyer or Investor lookin for a great rental?? 2817 Mapletree, Reading 45236. Call Sibcy Cline Realtor Michelle Sloan. www.sloansellshomes.com

Saturday open house! Check out Mapletree www.sloansellshomes.com

Renters with good credit & stable job should really think about buying a home. In Cincinnati - call Sibcy Cline Realtor Michelle Sloan. www.sloansellshomes.com

Oct 16-17 is Super Open House weekend. 2000+ properties will be open in Cincy area. Great opportunity to look &buy while mortgage rates r low! SloanSellsHomes

Mortgage rates down today - refi or purchase. How bout 4.0 for 30 year fixed?! Qualified borrowers contact a mortgage pro or Realtor Michelle Sloan 4 referral.

Sloan Sells Homes.. Taking continuing education today - topic is ETHICS! Sibcy Cline Realtor Michelle Sloan studies the market daily.

Now is a great time to invest in real estate. Ever thought about owning a property to lease? Due to market conditions-more families are looking to rent a home.

Have a safe and happy Labor Day weekend. www.SloanSellsHomes.com

Renters spending more than $1200 a month may qualify to buy a home. Is your lease up at the end of the year? Call Realtor Michelle Sloan soon and find out more.

Time is running out-sign up 2 build a Homearama home in West Chester in 2011. Contact Sibcy Cline Realtor Michelle Sloan 4 builder details. sloansellshomes.com

Do u know anyone who rents in Cincy? If they r paying $1000+ in rent they may be able to BUY a home & get tax benefits! www.sloansellshomes.com

Working some open houses today.. Check my website for info on some great listings. www.SloanSellsHomes.com. If u want to buy a home in northern Cincy call me!

Is your Cincy area home worth more than $150K? Is your mortgage rate higher than 6%?
Call my friend David Viox, Van Dyk Mortgage @ 513.429.2122

Find all Cincy area open houses at www.sibcycline.com. Tell the agent on duty u r working w/ realtor Michelle Sloan. Call me to do the research & represent you!

Have u checked out www.sloansellshomes.com lately? New listings and info available from your Sibcy Cline Realtor Michelle Sloan.

West Chester, OH ranks #32 in Best Places to Live - Money Aug 2010. Need a home in West Chester? - www.sloansellshomes.com

Seeking Buyer to Build Homearama Home

Are you interested in building a beautiful showcase home in West Chester, OH?? 


Michelle Sloan is teaming up with Wieland Builders to build a spectacular Homearama home in Foxborough in West Chester Township.  Buyer commitment is needed before October 30, 2010.  Homearama is scheduled for June 11-26, 2011.  Price range: $525,000-$850,000.

To take advantage of this special opportunity... Contact Sibcy Cline Realtor Michelle Sloan at 513.600.5277 or msloan@sibcycline.com for information to make it happen.


Michelle Sloan - SloanSellsHomes.com


Wieland Builders

Buyers - when building a home, make sure you have professional representation and advice from a qualified Realtor.  Contact Sibcy Cline Realtor Michelle Sloan before you call a builder directly or visit a model home.

Mortgage rates r LOW! If u r looking to buy a home in northern Cincy & want a mortgage referral - Call Sibcy Cline Realtor Michelle Sloan. SloanSellsHomes.com

Buy vs Rent... If you are spending over $1200 a month on rent... Consider buying a home instead and invest in your future. Msloan@sibcycline.com for details.

In Mason, OH list and sell your home with Sibcy Cline Realtor Michelle Sloan. More marketing.. Check youtube.com search "Sibcy Cline Michelle Sloan"

Mortgage Rate update! Lock now - lower rates.. Buy a home & get more for your money!! In Mason, OH call Sibcy Cline Realtor Michelle Sloan. Sloansellshomes.com

Listings r growing like weeds in northern Cincy. Lots of great opportunities for buyers 2 pick & chose the best!! Connect w Sibcy Cline Realtor Michelle Sloan

Its not too late to buy/sell a home in northern Cincy.. Rates are still low.. Good selection. Call Sibcy Cline Realtor Michelle Sloan.

Lakota & Little Miami residents - vote FOR schools.. Strong schools = It makes a big difference in your property values.

The tax credit may be over -- but there are still great homes available in northern Cincy.. Buyers & sellers in Mason call Michelle at sloansellshomes.com

Lots of new listings on the market in N. Cincy area. Check out www.sloansellshomes.com and www.sibcycline.com to search. Final days 2 get homebuyer tax credit.

April 30 deadline for tax credit fast approaches. Call Realtor Michelle Sloan for details. Sloansellshomes.com serving northern Cincinnati, OH area.

Happy Easter! Have a blessed day!

Tip of day -- Do you want to build your dream home? Take an experienced Realtor with you to offer guidance, support and representation.

Sunday - check out an open house today. A great way to get good home improvement ideas. Its like a free homearama. A list of open houses - www.sibcycline.com

Tip of day -- if u plan to buy a home in Cincy area and take advantage of tax credit... Don't wait to start looking! Only 41 days left 2 b under contract!

YES-the real estate market is hopping. Buyers r looking for homes in Mason, OH.. If u have a house 2 sell under $400K call Realtor Michelle Sloan. 513.600.5277

Tip of day -- staging a home for sale is different than decorating for real life. De-personalizing the property is key.

www.sloansellshomes.com
Mason, OH

Tip of day -- get pre-qualified BEFORE you look at homes online and in person. While its fun to look -- don't get your heart set on something you can't afford!

Cincy wide open house weekend. If u just want to house shop--this Sat & Sun will be the best. Check www.sibcycline.com for a complete list of open houses.

Homes for Sale under $200K Seeing Signs of Spring!!

Sibcy Cline is setting even more records at The Appointment Center...


This past Friday through Sunday (03/5-03/07), The Appointment Center set 1,529 showing appointments on our Sibcy Cline listings. This is a new record for weekend calls ever in the history of The Appointment Center!

This past week (Sunday through Saturday - 02/28-03/06), The Appointment Center set 2,520 appointments. This was the second busiest week ever for The Appointment Center!

Buyers are out and looking at homes. It is going to be a great spring!

The highest number of showings in the Cincinnati MLS are homes in the $100-150K price range.
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Don't wait to List and Sell your home!!  Spring market is here!!  In the northern Cincinnati area, call Sibcy Cline Realtor Michelle Sloan for a FREE Competitive Market Analysis.  www.SloanSellsHomes.com

Buyers -- Time is running out!

Potential home buyers who delay have a lot to lose.


First-time home buyer and move-up tax credits worth $8,000 and $6,500, respectively, expire April 30. Buyers who qualify get a dollar-for-dollar reduction in taxes, or a cash payment, if they don't pay enough taxes to cover the credit.

Other factors that should spur buyers:

Low mortgage rates. If the Federal Reserve stops buying mortgage-backed securities at the end of March, 30-year rates will almost certainly rise to more than 6%. Freddie Mac documented a decline in mortgage rates during the week ended March 4, with 30-year fixed home loans slipping to 4.97% from 5.05% and 15-year interest averaging 4.33%.

Source: Money Magazine

In Mason, Ohio call Sibcy Cline Realtor Michelle Sloan for a FREE list of homes currently on the market in northern Cincinnati. 
http://www.sloansellshomes.com/ 
msloan@sibcycline.com

Sloan Sells Homes.. Buyers looking to purchase in Mason,OH. Get your home listed today!! Call Realtor Michelle Sloan for free market analysis. 513.600.5277

Purchase agreements between buyer and seller must be completed by 4/30/10, for qualified persons to apply for the fed home tax credit. www.sloansellshomes.com

30-year interest rates are starting to climb > 5%. Contact a lender/broker today to get pre-approved. Buyers in Northern Cincinnati call Realtor Michelle Sloan

Lenders & mortgage brokers are speculating rise in mortgage rates in the next 60 days. Tax credit expires at end of April. Homebuyers need to get in gear!

Spring Real Estate Market Starts Now!

Check this out..

Even though we’ve had record snowfall for the month of February, people are still out looking at homes. Last Saturday, February 13th, the Sibcy Cline Appointment Center set 746 showings. This is the highest number of appointments we’ve ever had on one day. The three-day period for Friday, Saturday and Sunday (February 12-14) had 1,393 showing appointments – that’s the most in over a year.



Just wanted to share this great news with you.

Pamela Sibcy


Vice President, Marketing
Sibcy Cline Companies
One Stop Service
Real Estate ● Mortgage ● Title ● Insurance ● Relocation ● Home Services


Visit www.sibcycline.com for more information
 
Now if you are in the market for a new home in the northern Cincinnati area -- call Sibcy Cline Realtor Michelle Sloan.  Michelle will develop a personal plan to make your home buying decision -- a good one!!
www.SloanSellsHomes.com

The snow may slow your real estate dreams... But don't wait 2 long to get started. Call Sibcy Cline Realtor Michelle Sloan in northern Cincy. Great rates aval.

First time homebuyers in Northern Cincinnati -- call Sibcy Cline Realtor Michelle Sloan for a FREE home search. Email request to msloan@sibcycline.com

Long Term Mortgage Rates.. Stable and Low

McLEAN, VA -- Freddie Mac (NYSE:FRE) today released the results of its Primary Mortgage Market Survey (PMMS) in which the 30-year fixed-rate mortgage (FRM) averaged 5.01 percent with an average 0.7 point for the week ending February 4, 2010, up from last week when it averaged 4.98 percent.  Last year at this time, the 30-year FRM averaged 5.25 percent.
The 15-year FRM this week averaged 4.40 percent with an average 0.7 point, up slightly from last week when it averaged 4.39 percent. A year ago at this time, the 15-year FRM averaged 4.92 percent.

For a local northern Cincinnati area referral to qualified mortgage brokers contact Sibcy Cline Realtor Michelle Sloan.

http://www.sloansellshomes.com/

News Update -- Forbes mag reports now is best time to buy a home in Cincy, especially 1st timers. Call Sibcy Cline Realtor Michelle Sloan to get started.

www.sloansellshomes.com expects a big listing month in Feb. in Mason, OH. Spring season is definitely coming early this year! Call Sibcy Realtor Michelle Sloan

List and Sell with Michelle!
In Mason, Oh.
www.SloanSellsHomes.com

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

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

.

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.
www.sloansellshomes.com

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!

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.  http://www.sloansellshomes.com/

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

Investors -- News Alert

HUD TAKES ACTION TO SPEED RESALE OF FORECLOSED PROPERTIES TO NEW OWNERS


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 www.hud.gov and espanol.hud.gov.

For a FREE Search of foreclosure homes in the northern Cincinnati area, contact Sibcy Cline Realtor Michelle Sloan. http://www.sloansellshomes.com/

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, sloansellshomes.com

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

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. 

http://www.sloansellshomes.com/

Big weekend ahead for open houses! Check out my listings at www.sloansellshomes.com or all open houses in Cincy area at www.sibcycline.com

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
513-600-5277
http://www.sloansellshomes.com/

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 msloan@sibcycline.com

Serious Buyers only --

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

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.

513-600-5277
msloan@sibcycline.com
http://www.sloansellshomes.com/

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. 
www.SloanSellsHomes.com

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

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.

Home for Sale - Mason Schools

5980 Deer Run, Mason OH 45040

Open House - Sunday January 10
Noon-1:30pm

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.  www.SloanSellsHomes.com

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.