C21 AAA North Blog

Nobody wants their mortgage application to end up in the trash. Here are the 5 TOP reasons why this might happen, so you can avoid them!

5 Reasons Mortgage Applications End Up in the "Reject" Pile

1. You don't use credit cards enough
Yes, having too much credit card debt can be a "kiss of death," but having none at all is also a problem. Try building good credit by paying off your debts responsibly.

2. You opened credit cards recently
Opening a new credit card usually dips your credit around 5 points, which, poorly timed (right before applying for a mortgage), can be a problem. If you want to buy a house, put the Macy's credit card on hold.

3. You missed a medical bill
A black mark on your credit report as a result of medical bills is no good

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Fall is a surprisingly good time to sell your home. The kids are back to school, and the holidays are still far off enough that you can get it sold before winter. But there are a few ways to ensure that the sale goes smoothly – Here are our tips on how to sell your home this fall.

Create autumnal curb appeal


Photo by Rikki Snyder

Seasonal colors are perfect for staging the exterior of your home in autumn. Reds, oranges, browns – the more seasonal the better! Consider placing potted plants that fit the color description just outside the door, or a seasonal wreath on it, made of faux leaves or wheat. Pumpkins wouldn’t hurt either! And how about a fall-themed doormat?

But what about those pesky leaves? You’re going to want to take care of them.

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Date: Sunday, September 23
Time: 12-3
Address:  35255 Phillip Judson, Clinton Twp.
Realtor: Kenneth Barwin, 586-419-6390


Open Concept. Very charming, move-in ready brick ranch.

Date: Sunday, September 23
Time: 12-3
Address:  29300 Rosemont, Roseville
Realtor: Kathy Todaro, 586-596-9655


This well-kept and updated Roseville ranch features three bedroom, 1 1/2 bathrooms, re-finished original hardwood floors, a pantry in the kitchen, finished basement, a new roof, new windows and doors, a 2 car garage with and 8.5 workshop extension on the back and fenced yard. Located in a quiet neighborhood where you can see pride of ownership when you drive through. This house is close to schools, shopping and churches. Close to I-94 for an easy commute to work.

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Millennials now make up the majority of homebuyers, so marketing your home to them is becoming increasingly more important. Our Infographic has all the details about how to do that! Things to keep in mind -- Millennials know what they want, and they want it now (instant gratification generation), social media and taking high quality photos of your home are a MUST, home staging is very important, and you're going to want to sell the "integrated lifestyle." For all the details, please click the link below. 

 

How to Sell Your Home to Millennials

1. Social Media/Photos - Lights on, use a good camera, maybe even hire a professional. Remember that most millennials start their search online and pictures are very important! Social media is

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Day: Saturday, September 15
Time: 1-4
Address: 42212 Montroy, Sterling Heights
Realtor: Marie Caumartin, 248-856-8990


Outstanding 4 bedroom colonial; great Sterling Heights neighborhood. Walking distance to Blue Ribbon Utica School! Newer vinyl windows & roof, incredible custom kitchen with Corian countertops and a spacious display. Cabinets & huge pantry, 2-tone color, freshly-painted inn July of this year, recessed lighting. 2-year-old laminated floors throughout the house, 1st floor laundry, finished basement with glass block windows, new electrical panel & wiring. Step out to a backyard with a beautiful wooded deck and above-ground heated pool with seated area, nice trees with bonfire and stamped concrete walkway. This house has it all, make it

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Day: Saturday 9/8 & Sunday 9/9
Time: 12-4 both days
Address:
52581 Aragon, Shelby Twp.
Realtor: Alexander Cracchiolo, 248-495-5424


This 4 bedroom colonial located in Shelby Township has a beautiful and spacious corner lot hat is great for entertaining. Award-winning Utica Schools is a great plus for families, and it backs up to the Royal Forest subdivision. The home has upgrades, including: neutral decor, newer windows, hardwood floors, marble tile, oversized deck and runs on an energy efficient gas furnace with an accompanying energy efficient gas water heater. EV charger in garage! Many updates!

Day: Sunday 9/9
Time: 1-4
Address: 42212 Montroy, Sterling Heights
Realtor: Nebal Yazjie, 586-222-4788


Outstanding 4 bedroom colonial; great Sterling

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Here are our Open Houses for the weekend of August 17-19!

Saturday, August 18

Address: 41960 Jason, Clinton Twp.
Time: 1-4
Agent: Beth Nissan


Check out this newly updated ranch in Clinton Township, clean 3 bedroom, potential 4 bedroom, 1.5 baths with a beautiful chef's kitchen. Plus, a fireplace in the family room for those cold Michigan nights. Finished basement; where the potential bedroom 4 could be, and a bar for entertaining family and friends. New laminate floors, and fresh paint. Plus, your own private backyard with a resort size in-ground pool with lights to swim at night. Freshly painted deck for entertaining, and lots of privacy. Shed with a potential play house for the kids, or an extra room for you on top!! Beautifully landscaped.

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Here are our Open Houses for the weekend of August 10-12!

Saturday, August 11

Address: 31503 Northwood, Fraser
Time: 12-4
Agent: Michael Donelson, 586-321-1391


Immediate occupancy! Great location in Fraser School District. Nice Subdivision. Heated 2.5 Car garage with 220 power, includes full attic storage! Save the finished basement space for family fun and entertaining! Half bathroom downstairs with even more storage space in the utilities room. The layout is perfect for a small family with spacious, naturally lit kitchen overlooking the living room. Hardwood throughout, appliances stay, and washer and dryer can stay. Fully fenced yard for the furry members of the family! Come see this one quickly! Monthly payment only $1,300 to $1,400 depending

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Equity, a.k.a. "real property value," is the difference between the property's current fair market value and the amount the owner still owes on the mortgage.  Essentially, equity is how much "ownership" you have. Read about 6 smart ways of building it below!

 

6 Smart Ways to Build Equity

1. Let Your Home Appreciate
Your equity can be calculated by subtracting your current loan amount by your home's current value, then dividing that by the home's current value. The smaller portion of the appreciation is usually the amount you've paid off on your mortgage, while the larger factor is often home appreciation. Many times, buying a house now with a smaller down payment means more equity for you in the long run as a result of a good market, as

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DON'T DO THESE 6 THINGS WHEN BUYING A HOME

DON'T SHOP FOR HOMES WITHOUT AN AGENT
You can get started online -- everyone does, but when it's time to get serious, you're going to need a professional to guide you through the process. Trust us, you're going to want someone by your side finding you the right property, writing you the winning offer, and negotiating on your behalf the whole time.

DON'T START LOOKING WITHOUT A PRE-APPROVAL
Let's face it -- In today's market, buyers can't compete without a pre-approval. End of story. Get pre-approved by our in-house mortgage lenders Cross Country Mortgage. They are the absolute best in the business and they will make sure you have the most accurate idea of what you can afford.

DON'T UNDERSTATE YOUR

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