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Holiday Tips from Professional Realty Associates: Complete Guide on Christmas Lights

 

As the song goes “There’s no place like home for the holidays”. If you’re a new homeowner, still in search of your dream home, or just looking to add a little extra pizazz, look no further! Here are some basic tips from Professional Realty Associates on how to decorate the exterior of your home for this holiday season:

 

Safety Tips:

Before we get started, it is wise to have proper equipment in order to protect the safety of both you and your home.

  • First, plug in your Christmas lights to make sure they work before hanging them. (Don’t pull a Clark Griswold.)
  • Use a stable ladder.
  • NEVER use nails or any other metallic objects to hang Christmas Lights. Instead, use insulated holders.
  • Stay clear of power lines.

 

Organization Tips:

To ensure a smooth and painless process, have a plan going into the project.

  • Account for the supplies you have.
  • Buy the supplies you need.
  • Have plenty of extension cords on hand.
  • Before assembling, take all of the lights out of the packaging and lay them out across the lawn for inspection.
  • Untangle any snags or knots in the chords.

 

Before making your decision as to how to decorate your home, it is important to ask yourself these questions first:

  • What theme am I going for?
  • Which style best suits me and my home?
  • What power bulb do I need?
  • Which can I afford?

 

Types of Christmas Lights:

  • LED (Light-emitting diode) Lights- An Ideal Real Estate Investment that will continue giving for years to come. A more expensive, but eco-friendlier option that comes in magnificent variations.
  • Incandescent Lights- A classic, less expensive style in comparison to LED lights. Not as much variation, but will certainly give your home the touch of Christmas it is missing!
  • Icicle Lights- Provides a snowy, magical, whimsical look that is a great addition to winter wonderland style themes.
  • Animated Lights- A great eye-catching and unique feature to add to your holiday display. You will certainly have one of the flashiest houses in the Neighborhood.
  • Net Lights- Series of lights woven together to promote light unity. Great for decorating bushes, shrubs, or other structures.

 

2017 Christmas Decorating Trends:

In order to solidify your dominance in this year’s Neighborhood contest, adding a few of these hot new Christmas light trends will almost guarantee that your house will take home the gold this year!

  • Spotlights & projections
  • Add timers and animations to light display
  • Lighted holiday spirit marquees (Illuminated phrases such as “Joy” or “Merry Christmas” that can be hung on a roof or siding)
  • Animated lawn ornaments
  • Music player
  • Pathways created with yard lights

 

By following these instructions, you will be able to instill a winter wonderland in your own front yard this year. If you’re still in search of that perfect place to call home, please contact Professional Realty Associates in York, PA for your real estate needs. Happy holidays to all, and to all a good night! 

Thinking about Buying a Short Sale?

by The Pilgrim Team

So you want to buy a house and have noticed that the best deals in Useful Information about York PA are typically short sales. Buy you've talked to people and they have told you not to buy one because they have heard stories about how someone they new wanted to buy a Short Sale and they waited for months and they never did buy it.

There are a few reasons for short sale not to be approved by the Lenders.

1. The Realtor who has the listing has NO knowledge of the process and shouldn't have taken it to begin with. Not only did the house did not sell to the buyer but they also may have jeopardized the homeowners chance to keep the house from Foreclosure.

2. The Realtor listed the house at a very low price to get an offer from a buyer, knowing full well the offer would most likely be countered back at a much higher price which the buyer will not accept or can't accept because they cannot be approved by their lender to get a Home Financing for the property at the higher price. Now the Realtor who listed the property thinks they have an approved price (but they really don't) and re-lists the house at that price and they change the price and now claims it is approved. Wrong! Once another offer comes in the offer must be approved again even if it is the "approved" asking price.

3. The Realtor does not know what the Lenders want during the negotiating process and cannot present a complete short sale package. What happens is the negotiator may totally reject the offer.

4. The Realtor may continue to take back up offers and forward them to the bank. Just in case the 1st offer falls through. This confuses the Lenders negotiator and they stop processing the offer.

5. The offer may contain many contingencies that the Lender does not want to see. There should not be any contingencies to make it a strong offer.

6. Believe it or not some real estate agents will take a listing as a short sale and not even know whether it can even be approved as a short sale based on necessary criteria. So what happens when an offer is submitted to the Lender and it will not even be considered because the seller has the ability to make the payments and nothing has changed that would keep that seller from not making that Home Financing payments. The Seller just wants to sell because the house has lost equity, this is not a reason for the short sale to be approved.

Bottom line make sure if you want to buy a short sale use an experienced agent who has successfully negotiated sold short sales and helped buyers buy short sales. Pilgrim Team is specially trained to help both Sellers and Buyers achieve their home goals. Call Jerry Pilgrim at Professional Realty Associates at 717-757-5955. You will be glad you did!

 

Stopping Foreclosures in York PA One Homeowner at a Time

by The Pilgrim Team

FOR IMMEDIATE RELEASE                         

For more information, please contact: 

                                                                                                                              Jerry Pilgrim

                                                                                                                   jpilgrim@pilgrimteam.com

 

Local Agent Takes a Stance Against Strategic Default

 

Online report outlines the realities of “strategic default”—or walking away from a Home Financing—and provides solutions for homeowners struggling to make mortgage payments in York County, PA.


York, PA -  Local CDPE-designated agent, Jerry Pilgrim of Professional Realty Associates, has developed a website report providing information regarding the truth about a Home Financing trend called “strategic default,” where homeowners walk away from their Home Loans.

 

“There is a growing trend of distressed homeowners who have heard that a strategic default may be their best option,” Pilgrim said.  “With this report, I’m showing homeowners that there are alternatives to Foreclosure that can actually help them move on to a more stable financial future, rather than further damaging their credit, security clearance, or current or future employment.”

 

This community resource is available at www.YorkShortSales.com and explains the benefits of short sales, or selling a property for less than the current Home Financing amount owed. Benefits include less damage to credit scores, and the ability to qualify for a future mortgage more quickly.

 

In a recent study, the Chicago Booth/Kellogg School Financial Trust Index estimated that 36 percent of Americans would consider walking away from their Home Financing if they were “underwater,” or owed more than the property was worth. Now that one in four Americans is currently underwater, Pilgrim sees the need for greater education.

 

“Individual homeowners as well as our entire community would suffer the consequences of strategic default,” Pilgrim said. “I can share solutions and alternatives that can help preserve the financial stability of distressed homeowners and the values of our neighborhoods.”

 

The CDPE Designation Pilgrim has acquired provides a specific understanding of the complex issues confronting distressed homeowners.  Through comprehensive training and experience, CDPE-designated agents are able to provide solutions for homeowners facing financial hardship in today’s market.

 

To learn more, visit www.YorkShortSales.com.

For more information about the CDPE Designation, visit www. CDPE.com.

 

IMPORTANT GOVERNMENT DISCLOSURE: You may stop doing business with us at any time. You may accept or reject the offer of Home Financing assistance we obtain from your lender (or servicer). If you reject the offer, you will not have to pay us for our services. The above brokerage is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan.

Historic York Tour

by The Pilgrim Team

Useful Information about York PA has a lot of history dating back to the pre-revolutionary days. The photo you see is the Central Farmers Market located on Wmarket and est Philadelphia Street.  York has three famers markets with The Farmers Market on West Market Street and Penn Streets being the oldest. Local Farmers have been tending their stands for decades. Fresh produce, meats and home made items are available for sale.

Fox Run Creek Estates

by The Pilgrim Team

Pilgrim Team of Professional Realty Associates is proud to announce Lancaster Home Builders Newest Community located in Dover Towship in York County PA. Lancaster Home Builders is offering 13 home floor plans priced from the Mid $150's. House designns include Rancher, Two Story, Cape Cod. The Builder will work with the home buyer in some floor plan modifications so that the homeowner can modify a particular design to fit their individual needs and requirements. The Sales Representative is Jerry Pilgrim Broker of Professional Realty Associates located in York, PA.

Open houses will begin in early November on weekends, but appointments can be arraigned to meet with a representative to tour different floor plans throughout the week. Bring your own house design and we will be glad to work with you.

Fox Run Creek Estates is located in an area of York County wit gently rolling hills with scenic vistas of the Skytop area north of Dover, PA. Parks including Pinchot State Park, Ski are nearby. For more information visit us at: Fox Run Creek.

Investment Property, York PA

by The Pilgrim Team

With college starting back up it could be time to consider buying an Real Estate Investment property for your child to live in rather than paying for a dorm room. With interest rates being so low it makes sense to invest in something that you can later sell or hold onto as a rental property rather than pay rent for a room.

York College, Penn State York, Gettysburg College, HACC, and York Technical Institute are some of the campuses nearby.

Pilgrim Team can help you find just the right property that could work for you. Contact us to discuss this opportunity further.

New Townhomes in Dover PA

by The Pilgrim Team

We have brand new townhouses located in Dover PA in York County.

These are new Homes for sale in york pa with 3 bedrooms and 2.5 bathrooms and a 1 or 2 car garage.

There will be an open house on January 31st from 1-3PM

These new Construction Homes for sale in york pa are located in Ashcombe Farms on Shaffer Circle which is a convenient location to shopping, restaurants, and schools.

If you need directions please email mrudacille@pilgrimteam.com

Short Sale Deed-in-lieu of Foreclosure

by The Pilgrim Team

Solving the Foreclosure crisis one homeowner at a time.™

Short Sale Deed-in-Lieu of Foreclosure:

Dignified Solutions

©2009 Distressed Property Institute, LLC All Rights Reserved.

The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice.

It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner.

Possible Crisis? There are Dignified Solutions.

 

The state of the U.S. economy and housing market has brought many homeowners from security to uncertainty. But within this uncertainty, solutions have been created to assist those who need help. If you or someone you know is struggling to pay the Home Financing, it is vital to understand ALL the options available.

The pressures of an upside-down Home Financing are not just felt by the homeowner. Lenders are looking to avoid foreclosure and work with homeowners to find solutions to their financial situations. Lenders are not in the real estate business, do not wish to take ownership of a home, and do not want a house to sit idle on the market

So what options are available to YOU?

If you or someone you know is facing foreclosure and the damages it will cause to credit scores, employment or security clearance, you should consider a short sale or a deed-in-lieu of foreclosure (or “deed-in-lieu”). These options could allow you to sell or walk away from your home without incurring liability for deficiency.

What Are Your Options…

 judgments from creditors, or tax lie

In both a short sale and deed-in-lieu, your lender can claim you owe a deficiency judgment on your remaining balance. This means the lender may have the right to pursue the difference of what you owed and the eventual sale price of the home.

In a foreclosure, all rights to your property are lost, while the lender retains the right to pursue a deficiency judgment. It will also remain on your credit history for ten years or more.

During negotiations for both short sales and deed-in-lieu transactions, it is imperative to understand whether your lender reserves the right to pursue a deficiency.

 What Are The Possible Tax Consequences?

When it comes to the tax implications of a short sale or deed-in-lieu transaction, you will need to consult a tax professional. As a general rule, any debt forgiven by the lending institution will be considered income. Lenders are required to file a 1099-A with the IRS showing the deficiency, which could have tax implications for you. Once you have received Form 1099-A, you will need to complete IRS Form 982 to report how much of the debt was forgiven by the lender.

Again, consulting a tax professional is a vital part of this process, and can save you from future financial difficulties. Distressed Property Institute, LLC All Rights Reserved.

What’s Your Fastest Way Out?

A deed-in-lieu is the fastest solution out of a foreclosure, compared to the timeline of a short sale. However, very few lenders will negotiate a deed-in-lieu if a lien, or second Home Financing has already been taken out on the home. Also, a deed-in-lieu will be a typicalqu estion asked on any future credit applications. Your history of short sales will not be a concern. In addition, a short sale provides the feeling of accomplishment for selling your home.

What Should I Look Out For?

If you are considering either a deed-in-lieu or a short sale, it would be wise to review the terms and conditions of your transaction carefully. Make certain your agent can explain whether or not a deficiency balance is forgiven, or how long the lender can pursue this judgment.

Both options can save you from the distress that foreclosure will cause on your credit, finances, future employment and, most importantly, your stability.

 I Heard About “Deed-For-Lease” ... What’s That?

You might have read about a new program called Deed-for-Lease™. Fannie Mae created this program as an option for homeowners who are in distress but not eligible for a Home Financing modification. Through this program, qualifying homeowners have the option to remain in their Homes for sale in york pa as renters after voluntarily transferring the property deed back to the lender. The homeowners must prove they are able to afford market rent, and then sign a lease with the lender.

Deed-for-Lease provides an additional option for borrowers who do not qualify for, or have not been able to sustain other loan-workout solutions. While this program is unique to Fannie Mae loans, be sure to discover what options your lender offers to homeowners who do not qualify for loan modifications but wish to stay in their Homes for sale in york pa.

Following are a few of the homeowner qualifications for this program:

 

*The property is to be used as the occupant’s primary residence

*The occupant’s income is sufficient to cover rental payments

*Inspection shows that the property has been kept in good condition

*The occupant agrees to be responsible for regular maintenance

*The number of occupants is appropriate for the home

*The occupants signing the lease must agree to a credit review

*To learn more, please contact me or visit www.efanniemae.com.

 With more than 1 in 7 U.S. homeowners not paying the Home Financing, it’s clear that no one is immune to the current economic situation.

 I believe every homeowner deserves the best information and education to protect themselves from losing their home to foreclosure and ruining their credit. For those already struggling to pay their Home Loans and unsure of what to do next, understanding short sales and deeds-in-lieu can ease their stress and potentially save them from an impending foreclosure. Deciding on which route will be best for you and your family’s future is the most important decision you can make. Please use this information to better understand the options available.

 

As a CDPE, I have been trained to assist homeowners in these difficult situations. If I can provide you with more information or assistance, please don’t hesitate to contact me or go to my web page here.

Real Estate Statistics for Wyndham Hills

by The Pilgrim Team

Wyndham Hills Real Estate Activity Report

Real Estate activity for Wyndham Hills, York, PA for the peiod of January 1st through November 30, 2009

Active Listings - Total currently listed 10

Least expensive home on the market is located at 1290 Grantley Rd at $269,900. The most expensive is $1,185,000 located at 900 Oakdale Rd. The median price is $507,450 and the average days a property has been on the market is 116.

Sold Listings - 8 sold

The least expensive was located at 850 Grantley Court, York at the price of $432,000. The most expensive home located at 1780 S Wyndham Dr, York sold for $1,050,000. The median price for those Homes for sale in york pa sold was $580,000, and the average days the homes were on the market was 136 days.

If you have an area anywhere in York County you would like to have a market update on a regular basis don't hesitate to contact us at Professional Realty Associates and Pilgrim Team. We are here to serve you.

Haines Acres York PA Real Estate

by The Pilgrim Team

Below are the current Homes for sale in york pa that have either been sold, pending or are currently active in the Haines Acres Neighborhod. The date range begins May 1st thru November 19, 2009. The statistics have gome from the Realtors Assocaiation of York and Adams Counties.

 

Current Market Analysis  

StatusClassTypeAreaNo. of ListingsDollar VolumeAverage PriceMedian PriceAverage DOM
                 
                 
Active Listings 10 $2,274,050 $227,405 $184,900 81
Listings Under Contract 7 $1,070,612 $152,945 $165,512 78
Listings Sold 2009 20 $4,056,900 $202,845 $188,450 87
                 
ACTIVE                
  RESIDENTIAL/FARMS              
    Detached            
      York Suburban 8 $1,785,150 $223,144 $178,075 74
Sub Total 8 $1,785,150 $223,144 $178,075 74
ACTIVE-PENDING-TAKE BCKPS                
  RESIDENTIAL/FARMS              
    Detached            
      York Suburban 1 $189,900 $189,900 $189,900 146
Sub Total 1 $189,900 $189,900 $189,900 146
HOLD-DON'T SHOW                
  RESIDENTIAL/FARMS              
    Detached            
      York Suburban 1 $299,000 $299,000 $299,000 71
Sub Total 1 $299,000 $299,000 $299,000 71
SOLD                
  RESIDENTIAL/FARMS              
    Detached            
      York Suburban 20 $4,056,900 $202,845 $188,450 87
Sub Total 20 $4,056,900 $202,845 $188,450 87
PENDING (UNDER CONTRACT)                
  RESIDENTIAL/FARMS              
    Detached            
      York Suburban 7 $1,070,612 $152,945 $165,512 78
Sub Total 7 $1,070,612 $152,945 $165,512 78

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The Pilgrim Team
Professional Realty Associates
2002 S Queen St, Suite 3
York PA 17403
Office: 717-757-5955
717-755-2683
Fax: 717-757-2887