Exceptional remodeled home located in a very convenient location to schools, shopping, and restaurants.  Upgrades include windows, kitchen, huge deck, and appliances.  The four season room adds sunlight to the adjoining family room with warm and inviting fireplace that adds cheer and warmth on those chilly evenings.

The rear yard is private with room for a pool or garden.  Take a look at this beautiful home with many upgrades and you won't be disappointed.

Charming home with character of yesteryear! Kitchen and bath have been updated.  Third floor would be a great master suite for the person who wants to take on the job of finishing the room.  Large front porch and rear porch.

This is an opportunity to buy a property with a lot of square footage and potential.  The property does need some painting, new carpet or refinish the hardwood.  There have been updates to this property as well.  They include windows, baths, exterior siding, and electrical.  There is a lot of parking in the rear of property, along with a one car over-sized detached garage.   Come and see the potential.

Now is the time as a buyer to have a broad choice of homes to choose from at very reasonable prices and low mortgage payments. Lenders are loaning out money with as little as no money down with a USDA mortgage, or 3.5% total down paymentfor a FHA mortgage with help coming form the home seller in the form of a cash contribution. There are plenty of programs out there to choose from.

Call the Pilgrim Team of Professional Realty Associates will we will help you to either buy or sell a home in a stress free way.

Wow! You won't expect what you see when you enter this home. Completely updated with windows, HVAC, flooring, Kitchen and a floor plan that has been modified to todays desired open plan that makes it great for entertaining. Closets in every room and a dry basement in an older home is unusual but this one has just that. You will love the large kitchen too!

This home offers covenient one-floor living that includes 2 bedrooms, full bath, kitchen, living room, laundry, and level walkout to a covered patio.  The second level has two additional bedrooms.

This property has a level private fenced yard, and includes 4 air conditioning units, and a 1 car carport.

This impeccable home offers a beautiful 4 bedroom 5 bath floor plan that is perfect for anyone and great for entertaining of any kind.  The beautiful foyer with hardwood flooring leads into the warm and spacious family room with fireplace; inviting upgraded gourmet kitchen with granite and upgraded appliances; first floor den with full bath could be 5th bedroom, or one-floor living.

The 2nd floor offers a large master suite with super bath and walk-in closet, 2nd floor laundry, along with 3 additional bedrooms with two additional full baths.

The exterior offers a beautiful lawn area with exquisite landscaping and shed with electric and a large over sized 3 car garage.  A perfect place to call Home! 

Location, Floorplan, Price! This home has all three. You will find it hard to find a home in this location at this price and updated throughout. Enjoy a 4 season room overlooking a landscaping masterpiece. Updated bath rooms and kitchen. 1st floor laundry. Located on a hill near schools and parks.

Charming well cared for 1 1/2 story cape cod house with a first floor master bedroom and an easy flow floor plan. Property offers a level rear yard with a large two car detached garage that comes with a stove to heat the garage. This is great for any hobbyist in any season.

This house is priced below market value.

Convenient location with close proximity to major highways, shopping and dining. Well cared for home that is waiting for you to move into and enjoy. This home has a large 1st floor family room with access directly to the outside. Ceramic tile floors in the kitchen and baths.

1. How much money do I need for a down-payment?

 It will depend on your income and debts and credit score. With a USDA backed loan the down-payment is $0. With FHA it is 3.5%, Conventional 5%. You can ask the seller of the home for closing costs assistance if you need the extra cash. That typically is about 5% of the loan amount. Keep in mind that there are income limits, mortgage limits for each area depending on the type of financing.

It is wise for you to contact an experienced Realtor here at the Pilgrim Team of Professional Realty Associates who can help you wade through the home buying process. We will also be able to suggest to you on mortgage loan officers who have the ability and the experience to make it less stressful mortgage application process.

Check our blog soon for the second question you need to ask yourself.

Picture shown is similar to the Chesterfield floor plan. This home is to be built and offers one story living with a split bedroom design. This plan is a unique and exciting ranch design.

There are 15 floor plans to choose from in Stone Mill Estates along with a variety of lots.  Completion date to be determined and prices are subject to change without notice.  There is a $3000 builder incentive.

This is the fifth community The Pilgrim Team and Jerry Pilgrim has been involved in the area over the last 10 years. The other communities we have now completed were Cranbrook Acres, Ashcombe Farms, Ashcombe Farms West in Dover. Shiloh Farms is located in West Manchester Twp. We also have another community that has been quite successful in Dover Township called Fox Run Creek Estates where prices begin in the $160,s. Stop by our model homes located in Fox Run Creek Estates located off Cardinal Lane on Fountainhead Drive. We do have have a Sunday open house form 1-3pm. If you would like a private showing call or email us and we will be happy to accommodate you.

Nobody would go without health insurance, if they could avoid it, would they?

The cost of repairing our bodies is just too high to bear, without financial help. But what if health insurance was free? Wouldnt you sign up for it? Of course you would.Were like a lawn in need of an application of rain or fertilizer. We need more protein. To get the feeding you need, be sure you get enough meat, fish, cheese, beans, nuts and other protein-containing foods. If you cant get cottage cheese, wheat germ or peanut butter while youre on the run, then hit a drive-through and grab a milkshake.

Yes, its true that most of us get enough protein, but anyone over age 65, preteen girls and anyone facing surgery or other stress could use more protein, just to be safe. Thats just the insurance you need!

For all the right stuff in your diet, be sure to include protein. And in your next real estate transaction, be sure to include me!

Call The Pilgrim Team at Professional Realty Associates for all York PA real estate needs whether buying or selling!

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 mortgage 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 mortgage 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. The 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!

I wanted to provide information to you about some startling statistics regarding the latest distressed property trends.

In a recent study by Lender Processing Services (LPS), 6.38 million people were at least 30 days late on their mortgage payments. If you or someone you care about is feeling the stress of an unaffordable mortgage, please take the time to review the free foreclosure avoidance guide I’ve place on my website: www.YorkShortSales.com

As a Certified Distressed Property Expert (CDPE), I can navigate a homeowner through a variety of options. I’ve listed some of the most common alternatives to foreclosures that homeowners can take advantage of to get back on the path to financial stability.

I would truly appreciate your taking the time to refer any homeowners you know that may need my assistance. I’m sure that they would appreciate it, too! The sooner they contact me, the more time we’ll have to develop a strategy to avoid foreclosure.

With gratitude,

Jerry Pilgrim

CDPE, CRS, E-pro, Broker/Owner

Break Free From Unaffordable Mortgage Payments!

A recent study in Nevada (a state that holds the nation’s highest foreclosure rate), found that only 5% of distressed homeowners knew they had alternatives to foreclosure, and only 3% took advantage of them. It was also found the 1 in 4 homeowners chose to “strategically default,” or allow their homes to be foreclosed upon on purpose!

The Realtors Association of York and Adams County (RAYAC) and the local Multiple List Service report for York County that there are currently 3236 (Active) properties on the market as of May 24^th, 2011.  There are 371 Short Sales included in that total, and there have been 276 Bank Owned Properties that have closed or are pending settlement and 260 properties have sold since January 1^st. These numbers represent 536 total distressed properties or 27% of the properties sold.

Clearly, too few distressed homeowners know their options and the fallout of foreclosure. If they did, they’d soon realize that there’s nothing ‘strategic’ about foreclosure, and that avoiding foreclosure is always the best plan to create financial stability.

Millions of Americans feel alone and trapped by mortgage payments they can no longer afford. In fact, 27% of Americans with mortgages now owe more than what their home is worth. However, more and more of them are finding education on the responsible alternatives to foreclosure is helping them move toward financial stability.

Education is key. The more distressed homeowners know about solutions, the more likely they are to overcome their financial challenges. I’ve seen this firsthand.

I can help with the education part—it’s up to you to contact Jerry Pilgrim Broker/Owner of the Pilgrim Team of Professional Realty Asscociates.

If you are currently putting off buying a home here in York PA, you better thin again! This has been one of the best times ever to buy a home due to historically low interest rates, low home prices and a tremendous amount on homes to chose from. If you put off the buying decision until the prices have hit the bottom, you will have missed out because by the time you decide to jump into the market you will have missed the bottom and prices and interest rates could be much higher. With interest rates as low as they are and as volatile on a daily basis due to market conditions changing worldwide don't wait until it's to late.

You will need an experienced Real Estate Professional who can guide you through the decision making process based on our experience, knowledge and personal goals to make your home buying a dream a reality. Call or contact The Pilgrim Team here at Professional Realty Associates so you will allow us to serve you in a way second to none in York!