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Buy Michigan Now Festival Happening in Northville, Michigan

by The Jamey Kramer Group

Together we are revitalizing the economy, one product, one purchase, one person at a time.
~ Buy Michigan Now Festival

If you love supporting Michigan businesses and purchasing Michigan made products, you do not want to miss out on this weekend’s Buy Michigan Now Festival in Northville.

This event will have activities for the whole family. It will showcase businesses, entertainers from all across Michigan, Michigan-made products, and there will be special activities for children. There is no better place to spend this weekend than downtown Northville.

Dates and Hours

  • Friday, July 31: 12:00 pm -8:00 pm
  • Saturday, August 1: 10:00 am – 8:00 pm
  • Sunday, August 2: 11:00 am – 5:00 pm
  • Downtown Main and Center Streets
  • Free Admission
  • Free Parking

According to the Buy Michigan Now Festival website, this is the seventh year of this festival in downtown Northville. This is a great event to help support Michigan businesses and Michigan-made products.

This weekend will be full of family friendly events including street vendors, live music, tasty treats, and children’s activities.

Talented Entertainers

In the Town Square across from the big clock and Marquis Theater, you will find a lineup of talented entertainers from Michigan. Here is a recap of the lineup:

Friday, July 31st:

  • 12:00 pm -12:45 pm Magician Chris Clark
  • 2:00 pm - 2:45 pm Magician Chris Clark
  • 3:00 pm - 4:30 pm Jason Milan, Songwriter and Instrumentalist
  • 5:00 pm - 6:30 pm The Rebound Band (Beer and Wine Garden Opens at 5 pm)
  • 7:00 pm - 9:00 pm Twistin’ Turantulas
  • 10:00 pm Michigan Beer & Wine Garden Closes

Saturday, August 1st:

  • 10:00 am - 12:45 pm Donna Holman - Singer, songwriter, also performs classic hits from Norah Jones to James Taylor to Etta James.
  • 1:00 pm - 2:30 pm Darwin Mamassian and James Humphries (Beer and Wine Garden opens at 1:00 pm)
  • 3:00 pm - 4:15 pm 3rd Degree Byrnes- Blues with a blend of 60s/70s rock and old school country.
  • 4:45 pm -6:45 pm Holstein Highway- a Farmington-base Americana roots band
  • 7:30 pm - 9:30 pm Mainstreet Soul- 10-piece horn band that will perform songs from articles like Chicago, Stevie Wonder, hits from Motown, and much more.
  • 10:00 pm Michigan Beer & Wine Garden Closes

Sunday, August 2nd:

  • 11:30 am - 12:30 pm Gerry Bee and the Bluescasters (Beer and Wine Garden opens at Noon)
  • 1:00 pm - 2:30 pm Rare Standard - Modern-progressive jazz
  • 3:00 pm - 5:00 pm David Gerald Band - rockin’ Blues

For more information about the performances, please visit the Buy Michigan Now Festival entertainment page.

Michigan Wine and Beer Garden Hours:

  • Friday, July 31: 5:00 pm – 10:00 pm
  • Saturday August 1: 1:00 pm – 10:00 pm
  • Sunday August 2: 12:00 pm – 5:00 pm

Kids Zone:

  • Friday, July 31: 12:00 pm – 5:00 pm
  • Saturday August 1: 10:00 am – 5:00 pm
  • Sunday August 2: 11:00 am – 5:00 pm

You will find the Kids Zone located on North Center Street. Kids Zone provides fun for all ages. There will be magic, games, mascots, crafts, special performances and prizes.

Take Away

You won’t want to miss the exciting events planned this weekend at the Buy Michigan Now Festival in Northville, Michigan. From Michigan-made products to an exciting lineup of entertainment and the Kids Zone, there is something for each member of the family.

5 Smart Ideas for Decorating Your Bathroom

by The Jamey Kramer Group

Looking for some inspiration on decorating your bathroom?

Want a few changes to have a big impact?

It makes sense to turn one of the most used rooms in your house into a place you love to be. Whether you looking to relax in the tub at night or impress your guests with the perfect accessories in your guest bathroom, decorating your bathrooms does not have to be an overwhelming challenge.

Here are 5 ideas to inspire you. Most of these suggestions are easy additions and are cost effective. We have provided links to where we’ve seen these ideas used and a video full of helpful information.

These tips will help you turn your bathroom into the oasis it should be.

  1. Vintage Tubs

Back in January, we shared with you that vintage tubs would be all the rage in 2015 and they are. CountryLiving.com shares a picture of a beautiful updated 1920s claw-foot tub. This tub was found on Craigslist and makes the perfect focal point for this bathroom.

Safety tip: The City of Novi and the Novi Police Department want to keep you safe when making Craigslist transactions. According to this press release, the Novi Police Department has opened their parking lot and front lobby for Craigslist transactions.

  1. Vintage Accessories

If the tub is a little too much for you, consider using vintage accessories instead, or a combination of both. You can hang an eye catching mirror, like seen at ElleDecor.com, or maybe frame and hang a vintage ad, similar to the one shown at CountryLiving.com.

Adding vintage accessories to your bathroom is a great way to bring in that special touch to one of the most frequently used rooms in your house.

  1. Lighting

Lighting is one of the most important pieces to any room. You can get really creative or go classic. Whatever you do, do not leave the lighting fixtures behind.

For some really great tips on bathroom lighting, please see the video, Bathroom Lighting Tips by HGTV.

For more the importance of lighting throughout your home, please see our article, How Lighting Can Make All the Difference in Your Home.

  1. Keeping It Bright, Light, and Textured

Many realtors recommend updating your home’s interior paint colors to a light color to keep things neutral and bright in a home if you are selling it. One way you can enhance your light walls in your bathroom is to add a little texture or splash of color to the light color scheme.

Better Homes and Gardens shows a great example of adding texture to a bathroom with a light colored stone framed bathroom mirror.

Country Living Magazine also has a great example of using a framed mirror for texture and a picture for that splash of color in an otherwise all white bathroom.

  1. Hang a Sign

Have you considered adding a sign in your bathroom? We love this tip from Country Living Magazine. They recommend adding some “bold typography” to your bathroom in the form of a sign. You can use a vintage sign or a newer one. Adding a sign brings in that needed textured we talked about. It is cost effective, and if you ever want to move, you can take your sign with you.

Take Away

Any of these five ideas will add something special to your bathroom. From a vintage tub to bold typography, you can accessorize to make one of the most trafficked rooms in you home warm and inviting.

If you are planning on selling your home anytime soon, please make sure to check out our article, 5 Key Strategies to Stage Your Home to Sell

When you are ready, we would be honored to help. Please call our office at:

248-348-7200

Novi, Michigan Weekend Events – July 2015

by The Jamey Kramer Group

Are you looking for something to do in Novi this weekend?

If you are looking for something special to do this weekend, Novi has something for the whole family. From a Friday night movie and a bike race, to a beach party and more, the City of Novi has you covered with family-friendly events you won’t want to miss.

This Weekend’s Events in Novi

2015 Friday Family Fun Night

  • Friday, June 24, 2015
  • Music starts at 6:30 pm
  • Movie starts at dusk
  • Fuerst Park
  • 45175 10 Mile Rd, Novi, MI 48375

Connect with your family this Friday night at Novi’s Friday Family Fun Night. First, enjoy a musical performance by Sinjon Smith at 6:30 pm. At dusk, the movie, The Land Before Time, will play on the big screen. Friday’s theme is Flashback Friday - 80s Night. Be there at 6:00 pm to make sure you get a great seat.

According to the City of Novi, in case of poor weather, this event will be held in the Novi Civic Center.

MCMBA Motor City Mountain Biking Association Tree Farm Relay

  • Saturday, July 25, 2015
  • Price: $100 per team / Day of Race $125
  • Ages: 18+
  • Lakeshore Park
  • 601 S Lake Dr, Novi, MI 48375
  • Registration ends: July 23

Saturday is the 10th annual Tree Farm Relay. The profits of this race of to benefit the Motor City Mountain Biking Association and will help improve the trails at Lakeshore Park.

There will be classes for sports and advanced level riders. There will be men’s, women’s, and co-ed divisions in each class.

In addition, back by popular demand, the costume category will be available. A bonus will be awarded to the best costumes in this category. The race will still be 10 miles long like the other races. According to the Team Tree Farm website, “You don’t have to finish first to get first place!!”

Each team will be made up of 4 riders. One rider will start the race and then hand off to the next. The 10 mile course is full of hills and passing zones.

The City of Novi reports that this is the perfect race for a beginner or someone looking to see what team/endurance racing is all about.

Novi All Seasons Market

  • Saturdays through October 24, 2015
  • 9:00 am – 2:00 pm
  • Novi Civic Center Campus
  • 45175 W 10 Mile Rd, Novi, MI 48375
  • Wednesdays through October 21, 2015
  • 4:00 pm – 7:00 pm
  • MSU Tollgate Education Center & Farm
  • 28115 Meadowbrook Rd, Novi, MI 48377

Don’t miss out on all that the Novi All Seasons Market has to offer this summer. You will find a variety of items from fresh produce to one-of-a-kind Michigan-made products. There are two available days with different times at different locations to choose from.

For more information on local Farmers’ markets, please visit the City of Novi’s website.

Hawaiian Beach Party

  • Sunday, July 26, 2015
  • 1:00 pm – 3:00 pm
  • Price: $7
  • Registration Ends: July 21st *Pre-registration is required
  • The beach at Lakeshore Park
  • *In case of poor weather, the party will be held at Lakeshore Park Shelter #2

This Sunday, come out of the first ever Hawaiian Beach Party. According to the City of Novi, this event is in honor of National Dance Day is a nationwide effort to encourage dance as a way to good fun and good health.

Don’t miss out on the free professional Hawaiian dance lessons in the sand. Lunch will be provided by Tony Sacco’s. There will also be punch, music, and a free day pass to Lakeshore Park. Bring your suit because the beach is also open for swimming.

Take Away

There are a number of fun-filled events planned for the whole family in Novi this weekend from the Friday Family Fun Night to the first ever Hawaiian Beach Party.

If you are interested in looking for a house in Novi, please give our office a call. We would be honored to help you find your next home in this family-friendly city.

248-348-7200

What to Expect When Closing On a House

by The Jamey Kramer Group

Are you wondering when you will finally get the keys to your new home?

Not sure what happens at the mortgage closing meeting?

You finally found the home of your dreams, the seller has accepted your offer, and now it’s time to close. What happens at closing? When do you get the keys? This article will answer those questions and more.

What is a Closing?

A closing is when the buyer becomes the legal owner of the home. It is the last step in the home purchasing process. During the closing, the buyer will sign documents, and the seller will receive the money for the purchase of the home.

* The closing process has some adjustments coming as of October 1, 2015. We will include that information as we discuss the process of a closing.

What Happens During Closing

Here is the list of possible people who may be present at the closing.

  • The buyer
  • The seller
  • The escrow or closing agent
  • Attorneys for both the buyer and the seller (The attorney may be the closing agent.)
  • Someone representing the title company
  • The mortgage lender
  • And of course, the real estate agent.

All Legal Documents Get Signed

Prior to attending the closing, you will receive a document called HUD-1. This information may differ for the Truth in Lending disclosure that was given to you around 3 days after applying for the loan.

The HUD-1 Form will show you an itemized list of the final charges. This will come at least a day before closing.

*As of October 1st, 2015, you should receive the Loan Estimate Form within 3 days of applying for the loan. You will receive the second disclosure form called Closing Disclosure Form at least 3 days prior to your closing meeting.

*As of October 1st, 2015, the new mortgage disclosure rules now require the two forms from above to look the same. This will give you plenty of time to review the document.

Other forms will be your mortgage note and the home deed.  For a look at the new forms, please see: Understand the Aug. 1 Changes to HUD-1, Closing Process.

More on What to Expect at Closing

  • You may be required to show proof of homeowners’ insurance and inspections.
  • You will need to bring a certified or cashier’s check to cover all your costs like your down payment, prepaid interest, taxes, and insurance. According Bank on America, you can estimate your closing coats to be about 3% of you total loan amount. You will know this cost a head of time.
  • The lender will give the funds that cover the home loan to the closing agent.
  • The closing agent may set up an escrow account for the buyer which will help the buyer to pay for the property taxes and the insurance.
  • The buyer will receive the title for the property and the keys.

Take Away

Closing on a house does not have to be a confusing process. If you are still a little confused on the new mortgage disclosure rules, please read Market Prepares for New Mortgage Disclosure Rules.

If you still have questions, an experienced real estate agent will be able to answer them. Please call our office. We are here to help.

248-348-7200

Northville, MI Weekend Events - July 2015

by The Jamey Kramer Group

Are you looking for a great way to try out the restaurants in Northville?

There are many exciting events happening over the next two weeks in Northville, Michigan. Like most weeks in the summer, there will be events including the Farmers’ Market and Friday Night Concerts.

However, over the next two weeks, there are also other special events that will be taking place. Don’t miss one by checking out the information below.

Farmers’ Market

  • Every Thursday until October 29th
  • 8:00 am – 3:00 pm
  • Northville Downs Parking Lot
  • *On the northwest corner of 7 Mile and Sheldon Rd.

Make sure to come out every Thursday for the Northville Farmers’ Market. You will get to browse over 75 different stalls of Michigan made and Michigan grown products.

According to Northville Chamber of Commerce, here are some of the listed products that are available at the market:

  • Flowers
  • Herbs
  • Vegetable plants
  • Seasonal produce
  • Berries
  • Organic produce
  • Roses
  • Flowering shrubs
  • Local honey
  • Bread & bakery items
  • And much more.

Northville’s Friday Night Concerts

  • Every Friday through August 28th
  • Town Square
  • Starts at 7:00 pm
  • Free Event

This free event is the perfect way to start your weekend. This Friday night, the Howling Diablos will be performing. They play a rockin, funky blues jam style of music.

Here is the list of the upcoming Friday Night Concerts provided by the DowntownNorthville.com:

  • July 24: Randy Brock, Northville's own blues guitar great.
  • July 31: Twisted Tarantulas, hybrid of jumpin-blues and rockabilly with a modern punk edge.
  • August 7: Steve King & The Dittilies, classic rock.
  • August 14: Karin Elizabeth & The Remedy Band, cover band featuring international recording artist, Karin Elizabeth, on electric violin and fiddle.
  • August 21: Ford Field Festival, concert will be in Ford Field.
  • August 28: Shawn Riley Band, Northville's own blues band. This will be the last concert of the season.

Sidewalk Sales

  • Friday the 17th and Saturday the 18th
  • 10:00 am – 6:00 pm
  • Downtown Northville

If you love shopping in Downtown Northville, you do not want to miss this weekend’s Sidewalk Sales. According to EnjoyNorthville.com, this event is when most of the retailers in Northville will be offering their best sales!

On Friday, make a day out of it by shopping, eating at one of Northville’s restaurants, and finishing your day at the Friday Night Concert.

Northville Grub Crawl

  • Tuesday, July 21st 2015
  • Downtown Northville
  • 6:00 pm – 10:00 pm

It’s finally time for the 11th annual Northville Grub Crawl! This is an event that allows you to travel from participating restaurant to participating restaurant enjoying free samples. The free samples are usually appetizers and signature items from the restaurant’s menu. There will also be specials available at a cash bar.

Make sure to purchase your ticket quickly as this event does sell out. You can purchase tickets at Good Time Party Store, Gardenviews, or the Northville Chamber of Commerce. If you have any questions, please contact the Chamber at 248-349-7640 or visit the Downtown Northville website.

4th Annual Concours Preview Event

  • July 25th, 2015
  • 12:00 pm – 4:00 pm
  • Downtown Northville

If you love rare automobiles, make sure to mark July 25th on your calendar. The Northville Conrours d’Elegance Preview Event will showcase 30 rare automobiles.

This year, you will also see a special event. There will be a special Preview Event that will showcase the Ford Thunderbird throughout the years.

The event will also include a performance by the Boogie Woogie Kid between 12:00 pm- 1:45 pm and the Dave Bennett Quartet will be performing from 2:00 pm – 4:00 pm.

Don’t forget to try out one of the many delicious restaurants in Northville. For more information about this event, please visit the Downtown Northville website.

Over to You

What is on the top of your list of events to attend in Northville, Michigan?

Energy Saving Tips to Keep Your Home Cool This Summer

by The Jamey Kramer Group

Are you wondering how to keep your energy costs manageable this summer?

As temperatures in the summer climb, energy usage and costs can skyrocket. In this article, you will find energy saving tips that will help cool your home during the hot summer months. These tips have been compiled from energy saving experts. 

A few of the tips are easy fixes and others require a minor investment. Find out what best suits you and your family to conserve energy.

Energy Saving Tips

Ceiling Fans

Energy.gov recommends using a ceiling fan to keep you cool during the hot summer days. The use of a ceiling fan allows you to raise the temperature in your home by 4 degrees without reducing any comfort. The fan helps to cool. Make sure to turn the fan off when you leave the room.

Avoid Peak Hours

Avoid using your appliances during peak hours from 4:00 pm to 6:00 pm. According to Consumers Energy this will help prevent outages.

Wash Your Clothes in Warm or Cold Water

Washing your clothes in warm or cold water will help you save energy. When you combine that with rinsing your clothes only in cold water you see big savings. According to Consumers Energy you will see a 4 percent energy savings.

Adjust Your Thermostat

Consumers Energy and Energy.gov agree on the magic number to set your thermostat to. That number is 78 degrees.  When you are not home, keep the temperature even warmer.

Open Your Windows at Night

In Metro-Detroit, summer nights can be cooler. Before bed, open the windows and allow the cool outside air to keep you cool.

Invest in a Programmable Thermostat

The City of Novi has an amazing Go Green campaign. Their energy saving tip is to use a programmable thermostat. This could save you up to$180 in energy costs. It can also help control your home’s temperature while you are asleep or away.

Perform Cooling Equipment Maintenance

Don’t forget to maintain your cooling equipment. This includes checking your air filter if needed each month. Energy Star reports dirt and neglect is the number one cause of heating system failure.

Energy Efficient Cooking

Can you guess the most energy efficient way to cook? According to Consumer Energy, it is in the microwave.

Use that Dishwasher

Save time and money by using you dishwasher.  Your dishwasher uses less water than washing dishes by hand. Consumers Energy also recommends let your dishes air dry.

More Energy Saving Tips

The City of Novi offered a great list of energy saving tips including, 

  • Run your dishwasher only when it’s full. 
  • Weatherize and insulate your home. 
  • Use a low-flow shower head.
  • Keeping your water heater thermostat no higher than 120 degrees Fahrenheit, and much more.

Bonus: Keeping Cool

Do not forget to keep cool by visiting Lakeshore Park in Novi, Michigan. This great park has swimming, playgrounds, nature trails, picnic space and much more. For more information, please see the City of Novi’s web page at: Lakeshore Park.

Take Away

Energy costs in the summer months can climb along with high temperatures. With a few simple tips from using or installing ceiling fans to using your dishwasher and letting your dishes air dry, you will be well on your way to managing energy costs.

Your Turn

What is one of your favorite ways to conserve energy?

South Lyon, MI Summer Events 2015

by The Jamey Kramer Group

Looking for some fun family friendly events?

Not sure what to do on a Friday night?

The City of South Lyon is offering some great events this summer that the entire family will enjoy. From movies in the park on Friday evenings to the Labor Day Bridge Walk, there is something for all ages. Be sure to take out your calendar so that don’t miss a thing.

Movies in the Park

  • Saturday, July 18th - Paddington
  • Movie Begins at Dusk (between 9pm and 9:30pm)
  • McHattie Park
  • 400 Dorothy Street, South Lyon, MI
  • Saturday, August 15th - Big Hero 6
  • Movie Begins at Dusk (between 9pm and 9:30pm)
  • McHattie Park
  • 300 Dorothy Street, South Lyon, MI

This summer, bring your blankets, lawn chairs, and your family to McHattie Park in South Lyon, Michigan to enjoy a movie in the park. The City of South Lyon coats a 24’ inflatable screen for your viewing pleasure. All the movies are either rated G or PG.

If there is inclement weather, check the city’s website and/or the city’s sign.

Concerts in the Park

  • Every Friday Through August 28th
  • 7:00 pm - 8:30 pm
  • MaHattie Park Gazebo
  • 400 Dorothy Street, South Lyon, MI

All summer long, you will be able to enjoy concerts in the park on Friday evenings at MaHattie Park Gazebo in South Lyon. Here is the schedule for the summer’s upcoming events according to the City of South Lyon:

  • July 10th - The Whiskey Charmers, a country/Americana band from Detroit
  • July 17th - Rich Eddies Oldies, favorites from the 50’s and 60’s.
  • July 24th - Saline Fiddlers, famous fiddle group.
  • July 31st - Royal Garden Trio, gypsy jazz trop.
  • August 14th - Pete Fetters, blues
  • August 21st - Stella, a female American Roots band
  • August 28th - The Invasion, a British rock n’ roll band.

If there is inclement weather, please check the city’s website for more information.

Heritage Day

  • Saturday, July 18th
  • 9:00 am – 5:00 pm
  • The Witch’s Hat Depot
  • 300 Dorothy Street, South Lyon, MI

Saturday, July 18th is the First Annual Heritage Day at the Depot in South Lyon. This will be a day for the whole family. There will be trunk sales, freight house sales, a BBQ Dinner served by Operation Injured Soldiers, dance studio presentations, a softball challenge, an art show, senior center events, and more.

According to the City of South Lyon website, if you are interested in participating in the trunk show or would like to have a booth, email the South Lyon Historical Society at witcheshat@southlyonmi.org or call (248) 437-9929 and leave a message.

Labor Day Bridge Walk

  • September 7th
  • Starts at 8:30 am
  • McHattie Park 
  • 400 Dorothy Street, South Lyon, MI

Mark your calendars for the Labor Day Bridge Walk. This bridge walk is held in conjunction with the 58th Mackinac Bridge Labor Day Walk and Labor Day Community Walks all throughout the state.

Enjoy this classic Michigan event with the whole family. To register, please go to: South Lyon Recreation Authority.

Take Away

There are a number of exciting events planned for the summer of 2015 in South Lyon, Michigan. Whether you choose to attend one or all, you can enjoy the wonderful community of South Lyon.

If you have been interested in looking for a house in South Lyon, please give our office a call. We would be honored to help you find your dream home.

248-348-7200

Market Prepares for New Mortgage Disclosure Rules

by The Jamey Kramer Group

The date has been announced and it is now time to start preparing for the new mortgage disclosure rules. In this article, you will find answers to questions including:

  • What are the new mortgage disclosure rules?
  • As a buyer, how do these rules affect me?
  • What is the date the rules go into effect?
  • and more.

Previous Regulations

Currently there are two regulations in place to help do that.

The Truth In Lending Act - TILA or Regulation Z

This regulation was created in 1968. It standardizes the way mortgage fees and terms are calculated and disclosed.

The Real Estate Settlement Procedures Act - RESPA or Regulation X

According to Zillow, this regulation was created in 1974 and prohibits different housing service providers, such as lenders, real estate agents, escrow companies, attorneys etc, “from paying each other fees to refer consumers to each other.” This protects the consumer from inflating real estate transaction costs.

The problem has been that the consumer won’t see the official break down of all the fees until they receive the HUD-1. This is supposed to happen before closing, but sometimes doesn’t until the day of closing.

Oftentimes, the breakdown on HUD-1 and the final Truth in Lending disclosure can differ from the original Truth in Lending disclosure. The original Truth in Lending is given within three days of applying for a home purchase loan.

According to Fox Business, the Consumer Financial Protection Bureau believes this process is too confusing.

The New Regulations

Dennis Rodkin from the Chicago Real Estate Daily, had an interesting way of describing the new regulations,

 “While title companies and real estate agents and lawyers are scrambling to be ready by the deadline, home buyers should feel more like guests at a well-executed dinner party, oblivious to the mess in the kitchen and content to be served each course at just the right time.”

The idea behind the new regulations is to give home buyers more information about their loan before they head to the closing.

As of October 1st, 2015, the consumer will again receive two disclosure forms described as follows:

The Loan Estimate Form

One will be provided at the beginning within 3 days of applying for a home purchase loan. The consumer will receive a Loan Estimate Form. This form will breakdown the fees, cash needed, rate, terms, and costs of the loan over its lifetime.

The Closing Disclosure Form

The second disclosure form will be provided at least 3 days before closing. The consumer will be given a Closing Disclosure Form. The Closing Disclosure Form must look like the first form, the Loan Estimate Form, but will also have the costs paid by the buyer, seller, and third parties.

This process should provide consumers with time to digest the information before it’s too late.

What Do You Think?

Do you think this will make the process easier for the consumer? Would you find it helpful to know all the costs with ample time to make your decision?

Displaying blog entries 1-8 of 8