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Trick-or-Treating in Novi and Northville, Michigan

by The Jamey Kramer Group
Happy Halloween

Do you know what roads are closed in downtown Northville on Halloween?

Are you wondering what time trick-or-treating is at?

Happy Halloween everyone! Today, we are exploring two of Michigan’s favorite cities, Novi and Northville, and what they are up to this Halloween. There are events for all ages on Halloween, and both Novi and Northville are great trick-or-treating cities for all to enjoy.

Novi’s Halloween Events

  • Trick-or-Treating Hours

    First, let’s start with Novi’s trick-or-treating hours. The NoviPatch has announced that the hours of 6 pm- 8 pm are recommended for trick-or-treating.
  • Have A Frightfully, Delightful Halloween

    According to the city of Novi’s website,

    “There’s mischief brewing at the Meadowbrook Activity Center so put on your best Halloween costume or come as you are to celebrate a Bootiful Halloween. We will be serving up a spooktacular afternoon with lunch and wonderful entertainment by Michael Krieger.”

    This event is for those who are 55+ on Halloween day from 12 pm -2 pm. The cost for Novi residents is $7 and the cost of non-residents is $8.50. Registration is required, so please call 248-347-0400 to see if there are still openings. For more information, please visit the city of Novi’s website.

Northville’s Halloween Events

  • Trick-or-Treating Hours

    Just like the city of Novi, the trick-or-treating hours in Northville are from 6 pm – 8 pm.
  • Roads closed in Northville for Halloween

    Northville’s City Council will be ensuring a safe trick-or-treating environment for its residents by closing some of the downtown roads. Here is a list of the closed road as reported by the City of Northville’s website.
    • Main Street (Wing to Rogers)
    • Dunlap Street (Wing to Rogers)
    • Linden Street (Main to Randolph)
    • West Street (Main to Randolph)
    • High Street (Main to Randolph)
    • Linden Court (Linden to the end)
    • Dubuar Street (Linden to the west end)
    • N. Rogers Street (W. Main to Potomac)
  • Northville High School’s Drama Clubs Haunted House

    If trick-or-treating isn’t for you, then stop by Northville High School and enter into a Zombie Prison. This event is recommended for children ages 12-years-old and older. The Zombie Prison is open from 4:30 pm – 9 pm and admission is $5 dollars at the door. For more information, please visit Northville High School Theater

Staying Safe This Halloween

Both Novi and Northville have offered a few tips and tricks on how to stay safe this Halloween. Here are a few of those tips and tricks.

  • Only trick or treat at well-lit houses and remain on the porch.
  • Go trick-or-treating in small groups with an adult.
  • Always bring a flashlight.
  • Parents should supervise trick-or-treating for any children under the age of 12.
  • Look carefully at all treats before consuming.
  • Be careful of eating any homemade candies and stick to eating factory wrapped candies only.
  • Stay on sidewalks whenever possible.

Happy Halloween from all of us at the Jamey Kramer Group, and we hope you have a wonderful time trick-or-treating in either city.

Is Novi, Michigan a Safe Place to Live?

by The Jamey Kramer Group
Is Novi, Michigan a Safe Place to Live?

Have you been thinking of moving to Novi, Michigan?

Are you looking for a safe place to move your family to?

Novi, Michigan has made a name for itself by providing a great shopping experience with the Twelve Oaks Mall. That is not all this city has to offer. Recently, Novi was voted the second best city in Michigan, and a big part of this was because of Novi’s low crime rates that are reportedly 35% lower than the state average. 

Big City Experience, Small Town Feel

More and more people are moving to Novi because of all the great amenities the city offers. Novi is a city that offers a big city experience while still providing its residents with a small town feel. This is because Novi does a great job in keeping crime low, especially violent crime.

The 2012 Award for Excellence in Traffic Safety

In February 2013, the Novi Police Department received the prestigious 2012 Award for Excellence in Traffic. This award was given by the MACP (Michigan Association of Chiefs of Police) and the OHSP (Michigan Office of Highway Safety Planning). According to the NoviPatch, in order to receive this award, winners “must demonstrate a clear and convincing commitment to traffic safety within their communities.”

Programs were judged on four factors according to the City of Novi’s press release:

  • Scope and duration of the project
  • Complexity of difficulty of the project
  • Degree of innovation involved
  • Results achieved 

It was the Novi Police Department’s “Choose Your Ride” program that won the police department a $7,000 grant to increase traffic safety equipment in the city. The NoviPatch had this to report about the program,

        “This is an innovative, multi-faceted approach to decreasing the number of impaired drivers in Novi. In 2012, the Novi Police Department arrested 342 people for impaired driving offenses, (a decrease of 17 percent from 2011) and experienced 37 alcohol and or controlled substances related traffic crashes, (a decrease of 27 percent from 2011) with none of the accidents being fatal.

Impressive FBI Stats

The Novi Police Department has not stopped making the city of Novi a safer place to live. The Federal Bureau of Investigation published the 2012 Crime in the United States report. This report contains a breakdown of crime by city in the section, Michigan – Offenses Known to Law Enforcement by City, 2012.

Even Less Violent Crimes in Novi, Michigan

Novi, Michigan already had some impressive numbers when it comes to violent crimes rates, but according to the FBI report, violent crimes in 2012 were 14% lower than in 2011.

At the Jamey Kramer Group, we are proud to be a part of the thriving community of Novi. If you are looking for a safe place to live that offers a big city experience with a small town feel, there is no need to look further. Novi, Michigan is the place to be. We would be honored to help you find a home in Novi. Please call our office at:


Novi Voted 2nd Best City in Michigan

by The Jamey Kramer Group
Novi Voted 2nd Best City in Michigan

Have you been thinking of moving to Novi, Michigan?

If you thought that Novi, Michigan was just another place to shop, you’ve been missing out. Today, I am excited to share with you that Novi was voted the 2nd best city in Michigan. If you have been reading this blog for any amount of time now, you know that we have been highlighting the city of Novi on a regular basis. On this chilly fall Thursday, I will share with you why Novi is a great place to live.

Who Voted?

The first question you may be asking is, who created this top 10 list of Michigan’s best cities? The Movoto Blog is a real estate blog that uses a well researched in-depth algorithm to produce multiple lists of top 10s. Some of the top 10s they have on their website are,

  • The 10 Best Cities for Bacon Lovers
  • The 10 Best Cities for Movie Lovers
  • The 10 Best Dressed Small Cities in America

Movoto Blog has moved on to rating every state’s top 10 cities. Michigan was the first state to be rated.

What Were the Top 10 Best Cities in Michigan?

The top 10 best cities in Michigan according to Movoto Blog in reverse order are:

10. West Bloomfield

10. Troy

9. Farmington Hills

8. East Lansing

7. Royal Oak

6. Grand Blanc

5. Ann Arbor

4. Portage

3. Canton

2. Novi

1. Midland

You may notice that the list includes 11 cities rather than 10. This is because the city of West Bloomfield tied with Troy.

How Were The Cities Ranked?

For Michigan’s top 10 cities, Movoto looked at 6 factors. All of these factors were compared to the state’s average. The 6 factors were:

  • Home values
  • Employment
  • Education
  • Crime
  • Amenities
  • Cost of living

First, Movoto Blog created a list of the 50 most populated cities and townships in Michigan. Each of the 50 cities was given a rank based on the 6 factors above with 1 being the best possible score. Then, they averaged the factors together for each city or township producing an overall score.

Why Novi is the Second Best City in Michigan

When Movoto Blog calculated Novi’s stellar home values, low crime rate, ample median income, and great shopping, the score revealed that Novi placed in the #2 spot. Here is what Movoto had to say about the city of Novi,

“The rest of Michigan might know you as “that place outside of Detroit where people from there go to shop,” but we’re here to tell you, Novi, that you’re more than that. Your home values are really, really good—we’re talking 92 percent higher than the state average. But that’s not all: your median income is also fantastic. It’s $80,151, which is 73 percent higher than the Michigan average.”

All and all, if you are looking to move to Michigan, Novi is a great place to settle and put down your roots. If you are ready to start the search for your future home in Michigan’s second best city, please give our office a call. We would love to assist you in finding the home of your dreams.


What Matters When Applying for a Mortgage

by The Jamey Kramer Group
What Matters When Applying for a Mortgage

What do the banks look at when they are considering your loan request?

Are there options if you can’t get approved for a conventional loan for your home?

Since the housing bubble burst, many Americans found it harder and harder to get approved for a home loan. The good news is that some banks are relaxing requirements as the housing market returns. There are government requirements that must be followed and while this is disappointing news to some future homeowners, it doesn’t have to be.

Buyers can equip themselves with the knowledge of what they need to get approved for a loan. If they can’t get approved, there are other mortgage loan options available. Here at the Jamey Kramer Group, it is our passion to help you get into the house of your dreams. Today, we are going to be sharing with you what banks are typically looking for when they are deciding on your mortgage loan.

Three factors that the banks typically consider include:

  1. Cash is King
    Have you ever heard the saying, Cash is King? Well, when purchasing a house that saying rings more true than ever. Before the housing bubble burst, you might have been able to get into a home without putting down cash. Now, however, you have to have some cash to put down. For example, FHA loans have typically required the lowest amount of cash for a down payment of 3.5%.
  2. Debt vs. Income
    According to News Day, regulations will go into effect on January 1, 2014 that will “prohibit banks from approving mortgages for anyone whose debt-to-income ratio is higher than 43 percent.” This rule is part of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 which mandates that lenders need to “more closely scrutinize borrowers' financial information to make sure they can afford a loan.” 

    This rule is called The Ability-Repay rule and is also known as the Qualified Mortgage rule. It essentially means that a borrower’s total debt liability which includes housing should not exceed 43% of their income.
  3. Credit Scores

    According to Ellie Mae, a provider of on-demand automation solutions for the mortgage industry, 32% of closed loans in September 2013 had an average FICO score of less than 700 compared to the 17% of one year ago. Market Watch reports that banks are relaxing mortgage requirements and that “home buyers no long need perfect credit to score a loan.” Generally, the lowest credit score lenders are willing to accept is from 620 – 640.

    Market Watch also reports that:
    • Conventional Loans: Conventional mortgage lenders are generally looking for a credit score of at least 740.
    • VA Loans: Most VA lenders are looking for a minimum score of 620. 

    The Federal Housing Administration (FHA) does not impose a minimum credit score, so it is “left strictly to the lender” and “most lenders set a minimum score of 640, but a few go to 580,” according to the Daily Herald.

Now you have a better picture about what banks are looking for when approving home mortgages. We would love to help you find the house that you are dreaming about. When you are ready to purchase a house, please make sure to call our office at:


Everything You Need to Know About Halloween In Northville, Michigan

by The Jamey Kramer Group
Halloween In Northville, Michigan

Are you looking for some fun Halloween events to attend?

The cooler weather means one thing to many people at this time of year, and that one thing is that the holidays are just around the corner. As the leaves turn brilliant shades of oranges, reds and yellows, and pumpkins seem to be in every store, we all get excited for the upcoming holidays. The first holiday of the fall season to celebrate is Halloween, and no one knows how to celebrate Halloween like the residents of Northville, Michigan.

Northville has a number of family-friendly Halloween events for the entire family. Costume parades for the kids, food contests, and a trick-or-treat trail are only the start. On this perfect fall day, we would like to share the upcoming Halloween events for Northville residents.

Sunday, October 20

Trick or Treat Trail

This coming Sunday is the annual Trick or Treat Trail at the historic Mill Race Village from 4:40 pm to 6:40 pm. The village will be open to preschool - 3rd grade children to showcase their costumes, trick-or-treat and visit the “not-so-spooky houses.”

Registration is required. To register, call the Northville Parks and Recreation at 248-349-0203 by October 18th at 4:30 pm. Advance tickets are $7 per child and parents are free. Admissions are timed, so please plan to arrive a few minutes early with your child’s trick-or-treat bag. For more information, please see the Northville Parks and Recreation’s website.

Saturday, October 26

Costume Parade & Trick-or-Treat Streets

On October 26th from 12 pm to 2:30 pm, bring the kiddos to the Northville Community Center at 303 W. Main Street to walk in the costume parade. Children of all ages can show off their costumes while trick-or-treating at the local merchants. Be sure to catch the Halloween puppet show held at Time Square at 1:45 pm.

Friday Night Festival

If you and the family can’t make it to the costume parade, be sure to catch the Fright Night Festival in downtown Northville on Main Street between Wing and Center. At 3 pm on the 26th, the Northville Patch reports that you can enjoy:

  • Live Entertainment
  • Hell’s Hottest Food Contest
  • Canine Costume Contest
  • Pumpkin Carving
  • Children’s Haunted Fairy Door Treasure Hunt

The second annual Fright Night Road Rally will begin at 6:00 pm. Not only will your family have a great time, but all the proceeds will be going to a Chicks4Charities campaign, No Child Goes Hungry. For more information, please visit the Chicks4Charities website.

Thursday, October 31st

The city of Northville will be celebrating Halloween from 6:00 pm to 8:00 pm. Eight streets will be closed for vehicle traffic from 5:30 pm to 8:30 pm to help ensure safe conditions for children who will be trick-or-treating. For more information, please see the City of Northville’s website.

Fire Station Open House

If you like free hot cider, fresh donuts and popcorn, then head over to the Northville Fire Station anytime from 6 pm to 8 pm Halloween night.

You may also like to stop by the Northville Community Center at 303 West Main Street where there will be trick-or-treating from 6 pm to 8 pm and at 7:30 pm, there will be a costume contest.

Northville, Michigan has so much to offer any family during the holidays. If you are looking to relocate to a family-friendly city, please give our office a call. We will be honored to help you find that dream home.

Foreclosure Rates Continue to Drop Ushering in End of National Crisis

by The Jamey Kramer Group
End of National Crisis

Do you need some good news today?

Are you still in a home you don't love because you've been underwater in your mortgage?

Michigan has been through a lot in the last 8 years. We have seen our friends lose their jobs and foreclosure signs go up in our neighborhoods. The good news is that the national foreclosure rates are dropping. In August, the number of new foreclosures filed in the U.S. was the lowest it has been since October of 2005 according RealtyTrac, a leading source for comprehensive housing data.

The report also indicates that Michigan’s foreclosure starts in August were down 55% from the previous year.

In October, RealtyTrac released the U.S. Foreclosure Market Report™ which states that September was the “36th consecutive month with an annual decrease in U.S. foreclosure activity.” It also shows that “U.S. foreclosure starts in the third quarter were at a seven-year low.”

Underwater Mortgages are Dropping

According to CNNMoney, the "soaring home prices and a big decline in underwater borrowers" is what is pushing this all-time low. After the recession hit hard, many Michigan residents found themselves underwater in their mortgages. The definition of being underwater in a mortgage means that you owe more money on your mortgage than your house is worth.

This caused many people to foreclose on their mortgages or stay in a home they did not want to stay in. Many Michigan residents who didn't lose their homes grounded in and haven't looked up. Let us be the first to tell you. It's time to look up. 

Mortgage rates are low, not record low, but still low. More and more Americans are being hired and holding their jobs. Now, Americans are not only keeping their homes, but they are purchasing their dream homes. 

It's Time to Look On the Brighter Side

While many Americans all over the country are picking up the pieces still left after the foreclosure crisis, the good news is that we are seeing light at the end of the tunnel. 

Take Advantage and Buy Now

My dad always said when I was playing sports to capitalize on the amazing opportunities given to me. That is true of the housing market as well. With mortgage rates being so low and more Americans being hired and holding their jobs, there hasn't been a better time to sell or buy your home than right now. It is time to take advantage of the low 30-year fixed mortgage rates and the lower costs of homes. 

Home values are going up and so are interest rates. Right now, your dream home is waiting for you. Don't be afraid to put your home on the market or to start looking for the home you've always wanted. We are here to help. Please call our office at: 248-348-7200.

Family Fun this Weekend in Northville, Michigan

by The Jamey Kramer Group
Family Fun in Northville, Michigan

Are you looking for something to do this weekend with the whole family?

It is going to be a beautiful weekend in Northville, Michigan. The temperatures will be in the low 70s with partly cloudy skies. This is the perfect weekend to pick pumpkins, drink apple cider, eat donuts and maybe even head to a corn maze after dark.

Sometimes it can be hard to find events that are family friendly and fun for all. We are here to share with you that Northville, Michigan has a number of fantastic events planned for you and your family this weekend. According to the Northville Patch, there are 4 events happening this weekend in Northville.

Get your planners out and let's start planning.

  1. Corn Maze at the Maybury Farm

Although we have shared about the Maybury Farm Corn Maze before, we wanted to highlight a few more things. The farm has a 12 acre maze that is hiding 8 wooden animals. If you find all 8 wooden animals, you have a chance to win a Meijer gift card. 

The ticket you purchase includes your wagon ride to the corn maze, admission to play at the farm-themed playground, and visit with all the animals. This is a perfect event for anyone with young children.

What we didn't share last time is that the corn maze continues after dark. Fridays and Saturdays they are open until 10 pm and Sunday's hours have been extended to 8 pm. 

Another great part is that all of the proceeds from the Corn Maze go to feed the animals during the winter. 

Pumpkins are half-off this weekend, too. If you're looking for fall family fun, the Maybury Farm in Northville, Michigan has it for you.

  1. Fall Fair Artisan Market 

If you are looking for some individuality in your decor, this fair will have it all: furniture, fiber art, jewelry, photography, sculptures and more. Everything has been handcrafted by 75 artists and crafters from around the country. Don't worry. They will have holiday items as well. The fair will be held at the Northville Community Center at 303 West Main Street on October 11 through the 13th.

  1. Support the High School Rowing Club

This weekend in rain or shine, the Northville High School rowing club will be rowing from Detroit to Mackinac Island. Thankfully, it looks like they've picked a beautiful weekend to do it. The team is hoping to raise money for a new boat. 

  1. Northville Township Fire Department

Does your child love fire trucks? This Saturday is the perfect time to visit the Northville Township Fire Department. The fire department is having an open house to have fun and educate everyone who attends on fire safety. There will be activities for the whole family including:

  • Live demonstrations including the Jaws of Life, hydraulic rescue tools and fire extinguishers.
  • Fire truck tours
  • Games
  • Meet and greet with the firefighters. 

Northville is one of those places that gives you a hometown feel and always has something going on. That is why so many people move to and choose to stay in Northville, Michigan.

If you have any questions about moving to Northville, call my office at 248-348-7200. We would love to help you become a part of this unique city. 


How the Government Shutdown is Affecting Real Estate

by The Jamey Kramer Group
How the Government Shutdown is Affecting Real Estate

Are you applying for a mortgage?

Have you been considering selling your home?

The government has shut down and now we are all looking at how that affects us. Much of the shutdown is affecting us in ways we don’t always notice, like the White House website with the warning, “Because Congress did not fulfill its responsibility to pass a budget, much of the federal government is shut down.” Other parts of the shutdown that you wouldn’t think mattered, like the IRS being reduced could actually affect you the most.

Today, we are going to share how this shutdown might affect you, either as a home buyer or as someone who is interested in selling their home.

Why The IRS Shutting Down is Bad For Mortgages.

Buying a home is a big process even with the government up and running. For mortgages that are backed by Freddie Mac or Fannie May, the IRS being reduced is bad news. Banks use the IRS to verify income information. That income information is what helps home buyers close on their mortgages. Without that information, Freddie and Fannie may not be able to approve mortgages.

According to an article on CNNMoney, even Wells Fargo will not be able to complete any new applications until after the shutdown is over and the home buyers’ income can be verified.

Don’t worry. If you have found your dream home, there are still banks that are continuing to lend money during the shutdown. Those banks that are continuing to lend will sell the mortgages to Fannie or Freddie after the shutdown is over and when the buyers’ income can be verified.

Government-Backed Mortgages Are Still Available

While FHA has 96% of their staff on furlough, they have promised to continue to process loans. That is great news for anyone looking to buy or sell a home.

CNNMoney has reported that FHA, the Veteran’s Administration and the United States Department of Agriculture made up about 45% of backed mortgages in 2012. FHA alone insures 60,000 loans a month.

Mortgage Rates Dropping

We have one last bit of good news to share. Mortgage rates have dropped, again. At the beginning of last week the average rate according to CNNMoney was about at 4.32%, but by the end of last week, mortgage rates had dropped to 4.22%. Now .10% may not actually seem that important, but when you’re buying a $350,000 that .10% will make all the difference.

Just because the government has shut down doesn’t mean that you cannot buy your dream home or sell the home that your family is currently growing out of. Make sure to have an experienced realtor on your side that is familiar with the shutdown. That experienced realtor can help you navigate the waters of buying or selling your home. 

Please give our office a call at: 248-348-7200

Help with Remodeling and Renovating Your Home

by The Jamey Kramer Group
Help with Home Remodeling and Renovating Your Home

Are you hoping to save money by remodeling yourself?

Are you wondering what remodeling jobs will add value to your home?

There is good news in Novi, Michigan: the summer-like temperatures are here to stay at least for the weekend. While we may be enjoying the occasional fall shower, temperatures will be staying in the high 70s. This weekend will be the perfect weekend to head out to the Novi Home Remodeling Show. 

Both remodeling and renovating have the potential to add value to your home. Today, we want to share with you some of the top places to renovate or remodel that will get you the return on your investment. With that knowledge you can head into the Novi Home Remodeling Show ready to learn how.

Remodeling and Renovating 

Last month, we shared the article, Do Renovations Increase the Value of Your Home?, that questioned whether or not renovations actually increase the value of your home. What we learned is that renovating does work as long as it is in the right place. 

The biggest winners when it comes to return on your investment are outside your home. According to the Cost vs. Value report by Remodeling Magazine, the top four places to receive a return on your investment are,

  • Entry Door Replacement
  • Fiber Cement Siding
  • Wood Deck Addition
  • Garage Door Replacement

The report just proved what realtors have been saying for a while, curb appeal goes a long way. First impressions are critical, especially when you are considering selling your home. 

The fifth highest remodeling job was minor kitchen remodeling. That's great news, because the cost to renovate isn't going to break the bank. The kind of remodeling jobs we are talking about here are changing out counter tops, adding new appliances and replacing the cabinet fronts. 

The last couple of remodeling jobs that are worth taking notice are finishing off the basement and adding an attic bedroom. These two will cost more than the previous jobs, but having that extra space may be what the buyers need to make that offer. 

The Novi Home Remodeling Show

This weekend is the perfect time to start researching any remodeling jobs that you may be considering. Here is what the Novi Patch reported on the Novi Home Remodeling Show,

"Looking to update your home? Anything and everything you need to remodel and design your home can be found under one roof at the Novi Home Remodeling Show! Browse exhibits in kitchen and bath interiors, windows and doors, flooring products, furniture, cabinetry and much more!"

The Novi Home Remodeling Show is sponsored by the Home Builder Association of Southeastern Michigan and is being held all weekend at the Suburban Collection Showplace. 

Adding space, sprucing up, and updating can all add value to your home making it a perfect opportunity to sell. If you need any assistance, please call our office at 248-348-7200. Have a wonderful weekend and we'll see you in Novi, Michigan this weekend. 

Renters Look to Buy As The Cost of Rent Spikes

by The Jamey Kramer Group

Have you seen the increase in rent?

Renters Look to Buy As The Cost of Rent Spikes

A young couple sat in my office, and they were a little frustrated. They told me about how their rent had increased again. We took a look at the numbers of the cost to rent versus buying a home in the growing area of Northville, Michigan where they wanted to live. Their frustration began to fade after they saw what kind of home they could own with the money they were paying in rent.

If you are feeling the pressures of renting, you are not alone. According to,

          “In June, the real-estate data firm Trulia analyzed the rent prices in 25 of the largest rental markets in the United States. What Trulia found is an average annual increase of 3.9%. This is a huge increase when compared with inflation. And, generally speaking, incomes are not keeping pace with rent increases, putting renters in an even tighter position.”

In the city of Boston alone, the rates for renting rose 5.5%. There are now many renters paying up to half of their income just to rent. Renting could seem as the safe option especially to those in their 20s, however, by renting it’s actually costing you more money.

Buying is More Affordable Than Renting

Right now buying a home is actually the more affordable option and that will continue to be the case. In fact, it will continue to be the case until the 30-year fixed interest rates rise to 10.4%. Currently, it is 41% cheaper to buy than it is to rent.

Benefits to Buying

Financial reasons are not the only benefits to buying. For many people, it is the American dream to own their home and to have a backyard for their children to play. While that dream has been threatened, many still hold out hope. The good news is that buying a home has never been so affordable.

The Good News on Mortgage Rates

Much of our country has been watching the interest rates slowly rise after being at an all time low of 3.5%. In August, the rates rose to 4.4%. As the economy comes back and jobs are more secure, more and more people feel confident investing into the purchasing of a home.

The good news is that right now, even as the interest rates have risen, you can still get a lot of house for your money.

If you have been renting, have felt the increase in rates and would like to save money by purchasing your own home, give my office a call. We would love to help you find your dream home.


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