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What You Need To Know About Trick-or-Treating in Northville and Novi, Mi

by The Jamey Kramer Group

What time does trick-or-treating start?

Are you wondering when Northville’s First Friday Experience will be next month?

Tomorrow, ghosts, princesses, pirates and more will fill the streets of our beloved hometowns because tomorrow is Halloween. This article will provide you with the times to go trick-or-treating in Northville and Novi, Michigan.

We are including which streets in Northville will be closed for the evening. We will also offer a few tips on staying safe tomorrow night and when Northville’s First Friday Experience will be.

Trick-or-Treating in Novi

According to the City of Novi’s press release that was published last week, recommended trick-or-treating hours are between 6:00 pm and 8:00 pm. The City of Novi stresses the importance of Halloween safety because with all the excitement it is easy to forget.

Novi’s Director of Public Safety and Chief of Police David E. Molloy said,

“The biggest dangers faced on Halloween are injuries from tripping and falling and pedestrian/car accidents. Unfortunately, many children forget safety tips out of shear excitement while traversing from house-to-house trick-or-treating. It is important for parents to set the example by staying on main pathways and crossing at corners.”

Safety Tips Provided by the City of Novi

  • Only go to well-lit houses.
  • Travel in small groups with an adult.
  • Wait to eat candy until inspected by parents.
  • Parents, supervise all children 12 and under.
  • Use sidewalk and only cross streets at crosswalks.

For more Halloween safety tips visit, Halloween Trick-or-Treating Safety Tips

Trick-or-Treating in Northville, Michigan

Like Novi, Northville’s trick-or-treating hours are 6:00 pm – 8:00 pm. However, Northville will have many streets closed down in the city. These streets will be closed from 5:30 pm - 8:30 pm. According to the City of Northville’s website, the following are the streets that will be closed: 

  • 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’s First Friday Experience

  • Friday, November 7th
  • 6:00 pm – 9:00 pm
  • Downtown Galleries and Shops

With all this Halloween excitement, do not forget to mark down Northville’s First Friday Experience a week from Friday. On the first Friday of the month, the retailers in downtown Northville stay open late, offer special sales and exclusive items.

Do not miss this once a month shopping experience. This event makes for a great girls night or a perfect date night.

Happy Halloween

From all of us here at the Jamey Kramer Group, we would like to wish you a happy and safe Halloween!

What You Need to Know to Qualify For a 15-Year Mortgage

by The Jamey Kramer Group

What You Need to Know to Qualify For a 15-Year Mortgage

Would you like to pay your home mortgage off early?

What are the benefits to a 15-year mortgage? What are the disadvantages?

More and more people are looking into whether or not they can qualify and afford a 15-year mortgage. A 15-year mortgage could be your best friend or your worst enemy. Today, we are covering what you need to know when trying to qualify for a 15-year mortgage including the benefits and disadvantage.

Comparing 15-Year and 30-Year Mortgages

In an example by Get Rich Slowly, the difference between the two different types of fixed mortgages is made plain. If you wanted to take out a mortgage on a house that cost $160,000, the following would apply:

30-Year Mortgage

While currently mortgage rates are lower, let’s round up to a 5% interest rate. Your monthly payment for your $160,000 home would be $859, not including taxes or insurance. Paying the $859 over the course of your 30-year mortgage would come out to a total of $309,211. You will be paying $149,211 in interest overall.

15-Year Mortgage

If you chose instead to take out a 15-year mortgage, the average interest rate would be about 4.5%. The monthly payment would be $1,224, again not including taxes or insurance. Over the course of 15 years, the total mortgage payment would be $220,318. The interest paid drops to a total of $60,318.

The Big Differences

  • A 30-year mortgage will have a lower monthly payment.
  • A 15-year mortgage will have a lower overall cost.
  • It only takes 15 years to pay off a 15 year-mortgage.


As you can see, a 15-year mortgage will cost more per month over the span of 15 years. However, you will own your home at the end of that 15-year period and will have saved over $88,000 in interest.

While that may seem like the obvious choice, it might not be for some. A 15-year mortgage will require more money during the month. In addition to that according the, banks supplying a 15-year mortgage will require you to have only 28% of your monthly income in debt. That debt includes your mortgage, your credit cards, your student loans and more.

Mortgage Rates Making Headlines

Last week, CNN published that interest rates for mortgages have dropped. A 15-year fixed mortgage fell to 3.08% and a 30-year fixed fell to 3.92%.

Both types of fixed mortgages offer you a very low interest rate. If committing to a 15-year mortgage has you feeling apprehensive and overwhelmed, another option would be to take a 30-year fixed mortgage and pay more than the required monthly amount.

Time to Buy

There really has not been a better time to buy since the great recession. Fixed mortgages are going for a steal with interest rates below 4%.

If you would like to start your search, but are not sure if you can save the classic 20% down payment, you may like to check out our article, How Much Money Do You Really Need for a Down Payment? 

If you are ready to start looking for your dream house and take advantage of the current low mortgage interest rates, please give our office a call. We would be honored to help you find your next home.


Novi, Michigan Halloween Events for 2014

by The Jamey Kramer Group

Does your little one love trucks?

Looking for some Halloween events in Novi, Michigan?

The weather is getting cold, pumpkins are out, and children everywhere are picking out their costumes and getting ready for Trick-or-Treating. We have put together a list of all the events happening in Novi, Michigan this weekend and next that you will want to be sure to check out. We have also included some Halloween safety tips to help keep your little ones safe.

Upcoming Novi Halloween Events

Trick or Trucks

  • Thursday, October 23rd
  • 5:30 pm – 7:00 pm
  • For ages 3+
  • Novi High School
  • 24062 Taft Road

Plan to come out and join in the fun at Novi High School on Thursday, October 23. Anyone can trick-or-treat, but not everyone gets to trick-or-treat and see some of Novi’s biggest trucks. You and your little one will likely see dump trucks, fire engines, and bulldozers.

If the weather does not cooperate, the event will be moved to Friday October 24th. For more information, please see the City of Novi's website.

Halloween Teen Trip

  • Saturday, October 25th
  • 8:30 am – 11:00 pm
  • Grades 7 - 12
  • Novi Civic Center
  • 45175 W 10 Mile Rd,
  • Novi, MI 48375

How would your teen like to head to Cedar Point Amusement Park for one of their Halloweekends? Your teen will get to enjoy a luxury bus ride down to Cedar Point. Then, they will get to a whole Saturday at the park.

Halloweekends includes mazes, scare zones, haunted houses, and live shows.

Students must bring their picture IDs in order to get on the bus that will leave at 8:30 am and return approximately at 11:00 pm. It is important to note that students will not be under constant supervision. For additional information, please see: Halloweekends.

Novi Ice Arena Spooky Skate

  • Sunday, October 26th
  • 3:00 pm - 4:50 pm
  • All ages
  • Novi Ice Arena
  • 42400 Nick Lidstrom Drive
  • Novi, Mi 48375

Do your kids love ice skating? Are you looking for something to do on a Sunday afternoon? This Sunday, dress your kids in their Halloween costumes and head over to the Novi Ice Arena. Not only will they receive a discount on their admission, but there are also prizes given out for best costume.

This event is for all ages and that includes adults. For residents of Novi the cost before discount is $4 and for non-residents the fee is $5. For more, please see: SpookySkate.

Freaky Fright-Day-Luncheon

  • Friday, October 31st
  • 12:00 pm – 2:00 pm
  • Ages 55 +
  • Meadowbrook Activity Center
  • 25075 Meadowbrook Road (between 10 Mile and Grand River

If you are 55 or older, plan to attend Freaky Fright-Day-Luncheon for a fun lunch full of “spell-ectible meals” this Halloween at the Meadowbrook Activity Center. The fee is $7 for residents and $8.50 for non residents. The deadline for tickets is Friday, October 24th or until the event is sold out. For more, please see: FreakyFrightDay.

Tips on How to Stay Safe This Halloween

Throughout the years, the City of Novi’s Police and Fire Department have provided tips to make sure you and your family stay safe this Halloween. Here are some of those tips:

  • Only trick-or-treat at well lit houses.
  • Make sure to travel in groups with an adult.
  • Remind your children not to eat treats until they get home and you can inspect them.
  • Parents should supervise all children under the age of 12 while trick-or-treating.
  • Have your children wear costumes that are bright, reflective and flame retardant. 

For more tips on Halloween safety, please check out last year’s list by clicking Halloween Trick-or-Treating Safety Tips.

For more information on upcoming events, please be sure to come back on Thursdays when we provide weekend events for Novi and Northville, Michigan.

How to Save a Down Payment for Your Dream Home

by The Jamey Kramer Group

How to Save a Down Payment for Your Dream Home


Are you having trouble saving for a down payment?

Do you dream of putting 20% down on your dream home?

An article recently published by CNN Money stated that student loan debt has caused an 8% decline in home purchases for those Americans that are ages 20-39 years old. The average graduate under the age of 30 owes $21,000 in student debt alone. That is a total of 1.1 trillion dollars in total outstanding student loan debt.

Here is the kicker. According to that same article, Is Student Loan Debt Hurting the Housing Recovery?,

“For every $250 a month in student loan debt that a household owes, it reduces their power to purchase a home by $44,000. And, he notes, that there are nearly 6 million households that pay more than $250 a month on their student loans.”

With student loan debts weighing future home buyers down, many are finding the American Dream hard to achieve.

In another article, CNN Money reported mortgage rates had fallen below 4%. This makes right now a perfect time to purchase a home. The problem is how can a first time homeowner save for a down payment so that they can qualify for such a low interest rate?

3 Ways to Save For Your Down Payment

  1. Don’t Sweat the Small Stuff
    The Washington Post reported that by simply skipping that daily coffee run, you will find yourself saving around $1,000 a year. If you brown bag your lunch instead of eating out, that’s another $2,600 a year. By only making two small changes, you will be $3,600 closer to your down payment and dream home.
  2. Instead of Retirement Savings
    An article by the Daily Finance recommends that, for a time, instead of contributing to your 401k you could put the money in a savings account to help save for a down payment. Another suggestion was the first-home exemption. The first-home exemption allows individual to use up to $10,000 of their IRA funds towards the purchase of a first home. That is without a 10% early withdrawal penalty. If you are married, you and your spouse can pull $20,000 without penalty. 
  3. The B Word
    A budget is telling your money where to go instead of wondering where it went”. - John Maxwell.

    While you may see the word budget as the B word, by creating one you can start telling your money where you want it to go, including a savings account of your down payment.

A Final Tip

Recently, we published an article about how much you actually need for a down payment. We all know that 20% down is ideal, but maybe there is another way. Please visit How Much Money Do You Really Need for a Down Payment?


Saving for a down payment for your dream home can be difficult, but with the above tips you should find it easier. If you are ready to start searching for a home, please visit How To Start Your Search For Your Dream Home.  When you are ready to start, please give our office a call.


Northville, MI Weekend Events: Farmer’s Market, Trick or Treat Trail & More

by The Jamey Kramer Group

Northville Mi Weekend Events

Have you ever been to the Northville Farmer’s Market?

Are you looking for a fun and not-so-spooky way to celebrate Halloween with your little one?

There are many weekends that are magical in the charming town of Northville, Michigan. This weekend, though, will be more magical than most.

With only three Thursdays left, you will want to make sure not to miss the Northville Farmer’s Market. You will also want to take your children to Mill Race Village to take a trip back in time and then enjoy trick-or-treating this Sunday afternoon at Mill Race Village at the Trick or Treat Trail.

Make sure to look through the information provided below so that you don’t miss any of these exciting events happening in Northville.

Northville Weekend Events

Farmer’s Market

  • Thursdays
  • 8:00 am – 3:00 pm
  • Northville Downs
  • 301 S. Center Street, Northville

There are only 3 more Thursdays before the Northville Farmer’s Market closes for the year. Come out and experience over 125 Michigan grown and Michigan made products. There is no fee or registration required to visit.

Do not miss the Chefs at the Market event going on during ever Farmer’s Market from 9:00 am – 10:00 am. During this event, local chefs walk through the market and perform cooking demonstrations while providing you with the recipe and samples.

For more information, please visit the Downtown Northville’s website.

Sundays at Mill Race

  • October 19
  • 1:00 pm – 4:00 pm
  • Mill Race Village
  • 215 Griswold St, Northville,

Sunday, October 19th is the last Sunday of the year that you can go back in time at the Mill Race Village in Northville, Michigan. From 1:00 pm to 4:00 pm before the Trick or Treat Trail opens, enjoy a trip back in time. There will be costumed volunteers informing you about Northville’s past, the buildings, and their contents.

According to the Downtown Northville’s website,

“Many weekends, a working blacksmith demonstrates the craft, weavers and rug hookers ply their trades, and an occasional strolling musician may be found.”

This free event is open to everyone. For more information, please call 248-348-1845.

Trick or Treat Trail

  • October 19th
  • 4:40 pm - 6:40pm
  • Mill Race Village
  • 215 Griswold, Northville

Friday, October 17th is the last day to register your preschool through 3 grade child for this fun and no-so-spooky night of trick or treating. The historic Mill Race Village will be ready for this annual Halloween event.

This Sunday’s event will be held rain or shine, so make sure you dress appropriately. When you sign up, you will be given a time slot. Make sure to arrive a few minutes early. Parking is available at Ford Field or behind the Water Wheel Centre Building.

The cost of this event is $8 per child. To register, please contact the Northville Parks and Recreation at 248-349-0203 before 4:30 pm on Friday.

Take Away

The charming town of Northville has a number of magical and family-friendly events planned for this weekend. Be sure to mark your calendar for the last three Farmer’s Markets in Northville, the final “Sundays at Mill Race Village” for the year, and the Trick or Treat Trail at the Mill Race Village this coming Sunday.

If you are interested in moving to this delightful and family-friendly town, please give your office a call. We would be honored to help you find the home of your dreams.



What Do Home Buyers Really Want?

by The Jamey Kramer Group

Are you considering putting your home up for sale?

Would you like an insider’s look into what home buyers really want?

While there are some changes you cannot make to your home, there are some you can make to make it more appealing to potential buyers. You may not want to remove a wall, but you can add some new lighting fixtures.

Find out what you can do on both a smaller budget and a bigger budget to make your home what buyers really want.

  • Stainless Steel Appliances
    Make a big impression on potential home buyers by replacing your old appliances with new stainless steel ones. According to an article published by USA Today, 41% of potential homes buyers said that they would be willing to pay more for a home with stainless steel appliances. In addition, the article reported 69% of home buyers were willing to pay more for new kitchen appliances.
  • Hardwood Floors reported that in 2013, home buyers wanted hardwood floors and that hasn’t changed this year. In the past, carpeting in the home was seen as cozy and helped to reduce heating costs. Today, people are looking for that more open and clean feel that hardwoods floors can offer and carpeting cannot. If the carpeting in your home is older and ready to be changed, it may be as simple as pulling the carpet up and refinishing the hardwood your floors already have.
  • Lighting
    In a different article by, we learn about 10 things other than location that luxury home buyers should obsess over. One of the things was unobstructed views and light. While we may or may not be targeting potential luxury home buyers, the point of lighting is really important. Highlight your home’s natural light by opening or even taking down the curtains.
  • Central Air Conditioning
    In the same USA Today article, it was reported that almost 7 out of 10 homeowners are willing to pay more for a home that has central air conditioning.
  • Garage Space
    While you may not be able to control the size of your garage, take the time to clean it up and highlight its storage features. In an article by New Home Source, having plenty of - or even already organized - garage space will “make the man of the house grow weak in the knees.”
  • Stage Your Home
    Home buyers want to walk into your home and be able to imagine themselves there. A great way to offer this is by staging your home. Staging is not simply putting away clutter and personal pictures. In an article by, they reported that staged homes sell 50% faster than non-staged homes.


By knowing what home buyers are looking for, you will be able to sell your home faster. Are you interested in doing some major home repairs, but are not sure where to do it? In our article, Novi Home Remodeling Show, you will find the top 10 mid-range projects with the highest recouped costs.

If you are ready to put your home on the market, please give our office a call. We will be honored to help.


Novi Home Remodeling Show October 2014

by The Jamey Kramer Group

Have you wanted to remodel a space in your home?

Where can you remodel that will add most to your home’s value?

This weekend in Novi, you will find anything and everything you need to remodel any and every part of your home under one roof. Whether you have questions about what paint color scheme to go with in the bathroom or you are looking to purchase a new furnace and need some help finding the right one, the Novi Home Remodeling Show will have the answers you are looking for.

When and Where

  • Friday: 2 pm to 9 pm
  • Saturday: 11 am to 9 pm
  • Sunday: 11 am to 5 pm

Suburban Collection Showplace

  • 46100 Grand River Avenue, Novi, MI 48374.
  • On Grand River, south of I-96 between Novi Road and Beck Road.
  • Adult (13 and older) admission is $9.
  • Senior (55 and older) admission $8.

A Few Highlights

  • Special appearances by Glenn Haege - America’s Master Handyman.
  • Giveaways including a one year subscription to Better Homes and Gardens with ticket purchase.
  • Free-estimate raffles
  • Discounts
  • Coupons
  • Drawings

General Information

If you have ever been to the Suburban Collection Showplace you will know how big this event is. Before you go, make sure to view Novi Home Remodeling Show to find a list of vendors and where they will be located.

Where to Remodel?

Are you wondering what will get you the most for your money when it comes to a remodel? We have the answer for you.

The Cost vs. Value report was released for 2013-2014. This report shows the cost of remodeling or renovating vs. the resale value and displays how much of the cost you will actually recoup.

Two interesting remodels to note is that for the second year in a row, entry door replacement ranked as the highest cost recouped. The project that gained the highest recouped costs according to was a backup power generator.

Here are the 10 highest recouped costs for mid-range projects,

  1. Steel Entry Door Replacement - 96.6% Cost Recouped
  2. Wood Deck Addition - 87.4% Cost Recouped
  3. Attic Bedroom - 84.3% Cost Recouped
  4. Garage Door Replacement - 83.7% Cost Recouped
  5. Minor Kitchen Remodel - 82.7% Cost Recouped
  6. Wood Window Replacement - 79.3% Cost Recouped
  7. Vinyl Window Replacement - 78.7% Cost Recouped
  8. Vinyl Siding Replacement - 78.2 Cost Recouped
  9. Basement Remodel - 77.6% Cost Recouped
  10. Composite Deck Addition - 74.3% Cost Recouped


Now that you know what remodeling projects bring the highest return on your investment, plan to head over to the Novi Home Remodeling Show. You will note that the highest cost recouped projects are mostly on the outside of the home. This makes a lot of sense when you think in terms of your home’s curb appeal.

If you are looking to remodel your home to put on the market to sell, make sure you talk with an experienced team of real estate agents. Please call our office at 248-348-7200.

Is it still time to plant spring blooming bulbs?

Is there a way to prevent squirrels from digging up my recently planted spring bulbs?

Whether you are considering putting your house on the market or just want to create an oasis, what you do in your yard today will greatly affect what your yard looks like come spring. Make sure your garden and landscape are all set for next spring by following the gardening tips below.

October Gardening Tips

Fall Cleaning - One of the best ways to create that oasis come spring is to make sure to clean up this fall. Here are a few ways to do just that:

  • The Old Farmer’s Almanac recommends picking up all leaves on your lawn to prevent lawn problems later on.
  • Use the leaves that you picked up to create mulch for your plants. Simply shred the leaves and add a little compost to it. Your flower beds and plants will thank you in spring.
  • Before putting on any mulch, make sure you have removed all dead or diseased flowers and plants. This will help to decrease diseases by spring time.
  • Clean under all fruit trees. Do not just leave the fallen fruit out as this is another way to reduce disease in the spring.
  • Clean empty flower pots and store them in a place where they won’t break.
  • Begin the process of cleaning and storing gardening tools. It will be wonderful to have them all ready to go and waiting for you when spring comes around.

Planting - Here is a list of what you can still plant this month.

  • Gardening in the Mitten reports that you can plant garlic to harvest next summer.
  • Plant more cool-season crops like spinach, radishes, and carrots.
  • Beautiful fall flowers to plant in October include ornamental kale, mums, pansies and asters.
  • If you haven’t yet planted your spring blooming bulbs, make sure to do that this month. Spring blooming bulbs to plant include tulips, daffodils, and snowdrops.
  • Quick tip provided by Organic Gardening, if your neighborhood has a lot of squirrels, you can cover your planted spring bulbs with chicken wire until the ground freezes to prevent the squirrels from digging up the bulbs.

More Gardening Tips - Here are even more gardening tips.

  • Don’t leave flowers like dahlias, gladioli and any other tender plants out too much longer because they will be killed by the frost. Instead, dig them up and store them during winter.
  • This is a great time to fix any garden structures that need fixing or to paint anything that needs painting.
  • If you haven’t yet divided your perennials, make sure to do that now.
  • Fall is the best time to plant trees and shrubs. If you are looking to add any new foliage to your yard, this is the month to do it.
  • This month you will find yourself harvesting sweet potatoes, pumpkins and winter squash. Harvest before the frost for the best taste.
  • Also harvest your Brussels sprouts when they are ready to eat. Make sure not to harvest too soon because the cold weather will only add to the taste.


According to the Old Farmer’s Almanac the frost date for Novi, Michigan is October 7th and for Northville, Michigan it’s October 20th. Keep those dates in mind as you are working your way through your October gardening check-list.


Northville, Michigan Weekend Halloween Events & More

by The Jamey Kramer Group

Would you like to have some Halloween fun with your kids?

Are you looking for that one of a kind Christmas gift?

October and the holidays are kicking off in Northville, Michigan. This weekend, you will find skeletons in Town Square and amazing Friday night shopping. Next weekend, head to the Fall Fair Artisan Market for that one of a kind Christmas gift, and learn all about the amazing people who have been buried in Northville’s Oakwood Cemetery.

Below are the amazing events planned for the next two weekends in Northville that you won’t want to miss.

First Friday Experience

  • October 3, 2014
  • 6:00 pm - 9:00 pm
  • Downtown Galleries and Shops

If you are looking for a great date night or a fun girl’s night out, check out Northville’s First Friday Experience.

Many of the retailers stay open late for this exciting night. They offer special trunk shows and showcase their new products. The Northville retailers will occasionally offer limited time exclusively to the shoppers at the First Friday Experience.

Catch dinner at one of the many Northville restaurants when you have finished shopping to top off a perfect evening on the town.

The Skeletons are Alive in Northville

  • October 3, 2014
  • 6:30 pm - 9:00 pm
  • Town Square in Downtown Northville

Are you already looking to get into the Halloween spirit? This Friday during the First Friday Experience, bring the entire family to the Town Square to see the 3rd Annual Skeletons Are Alive event.

You will find 100 skeletons scattered across Downtown Northville, but that’s not all that will be happening on Friday. The Piazza Dance Company will have a ghoulish dance performance, the Parmenter’s Cider Mill and Mystic Kettle will have tasty fall treats, and your kids can find Good to Glow glow-in-the-dark wearables.

Fall Fair Artisan Market

  • October 10, 2014
  • Friday 9:00 am to 8:00 pm
  • Saturday 9:00 am to 5:00 pm
  • Sunday 11:00 am to 4:00 pm
  • Northville Community Center
  • 303 W. Main

The Fall Fair Artisan Market has been nationally ranked by the Sunshine Artist 200 Best 2013. This fair features 75 different artists. You will find paintings, furniture, fibers, wood, glass, holiday items and much more.

If you are looking for that one of a kind Christmas gift, this is the place to find it. Admission is $3 per adult, and children under 12 get in for free.

Northville Cemetery Walk

  • October 12, 2014
  • 2 pm – 7 pm
  • Oakwood Cemetery
  • 215 West Cady

Have you ever wondered what types of people have lived in Northville in the past? Come and see all the exceptional people who have been buried in the Northville’s Historic Oakwood Cemetery.

You will hear the stories of a Revolutionary War Veteran, a Civil War Solider, a member of the House of Representatives, and even a member of the Underground Railroad.

Tickets are being sold at the First Baptist of Northville’s website and are $10 a person. Children 17 and under get in free with an adult.


Northville, Michigan has a number of exciting events planned for the next two weekends. There is something for everyone from the First Friday Experience in Downtown Northville to the Northville Cemetery Walk for a trip into the rich history of this town.


If you have been interested in looking for a house in the Northville area and would like to find out more this family-friendly community, please give our office a call.


Displaying blog entries 1-9 of 9