YOUR WARNER ROBINS REAL ESTATE SPECIALIST

`

Anita’s Corner

ABOUT THIS ISSUE

All of the

content in this

newsletter is

displayed on

my blog and

my website.

I’m an avid

blogger, you

should check

out some of

my other

articles!

BLOG

WEB

Buyer Tips: Obtaining A Home Loan With Bad Credit

If you have bad credit due to bankruptcy or foreclosure or if you have been previously turned down for a loan, you may think obtaining ad Warner Robins home loan will be impossible. Fortunately, this doesn’t have to be the case. In fact, with a little research

and hard work, you an highlight the “compensating factors” that will help lenders see that you are less of a risk than they might think. Here’s a look at seven compensating factors that you might want to submit with your home loan application in order to

increase your chances of being approved for a loan.

Highlight Your Other Assets If you do not have a large amount of money saved up for a down payment, you can still show the lender that you have substantial financial assets available. You can do this by listing the value of your whole life insurance policy, your 401(k) and other retirement accounts. By highlighting these assets, you help the lender see that you have the money available if you are unable to make your payments.

Demonstrate Job Stability If you have been working with the same company or within the same industry for several years, be sure to point that out on your loan application. Keller Williams Realtor Josh Anderson further illustrates, “If you have received regular pay raises, such as annual merit-pay increases or cost of living adjustments, you should point this out as well. The same is true of regular bonuses.” In other words, demonstrating that you are likely to receive future increases in income will help offset the lender’s concerns about possible increases in property taxes, utilities, and other expenditures.

Show You Have Discipline By saving money in a savings account or by contributing regularly to a retirement account, you can demonstrate to the lender that you have the discipline, stability, and consistency to responsible with your home loan.

Stay in One Place If you have remained in the same home for at least three years, be sure to highlight this fact on your loan application. Lenders want to know that you won’t be a flight risk and that you can commit yourself to a home or community. By demonstrating that you can stay in one place for a period of time, you can increase your chance of gaining approval for a loan.

Save a Large Down Payment While it is possible to obtain a mortgage loan with a down payment of as little 3.5% if you get an FHA loan, you will significantly increase the lender’s confidence in your ability to repay a loan if you save a much larger down payment. Generally speaking, you should save at least 10% of the home’s cost for your down payment, but you

will increase your chances of being approved if you save well beyond this amount. If you can’t come up with all of the money on your own, look into the down payment assistance programs that may be available in your area.

Be Reasonable When choosing the home that you want to buy, be reasonable in terms of how much you can afford. You may have to start off with something that is a bit smaller than what you want, but you can always move up to something bigger and better later.

Back Your Claims Simply telling the lender that you were never late on rent or other obligations is not going to be enough to get your loan approved. Instead, bring proof to back up your claims. This may be in the form of bank statements, canceled checks and receipts. About the Author- Deb Henne writes for http://realestatemkting.com/, drawing from her numerous years of experience as a real estate agent.

March 2013

Anita’s Corner Welcome Home To…

Houston County!

Asking Price: $205,000

Sq. Ft.: 2295 Year Built: 2007 MLS #: 110453

FEATURED

LISTING

149 Addington Way, Kathleen, GA

This 2295 Sq. Ft., large open floor plan home is situated in a great location with three bedrooms and two bathrooms. The eat-in kitchen has stainless steel appliances, a kitchen island, breakfast bar, and tile flooring. The living and dining room have wood flooring. Other features include a screened-in porch,

privacy fence, deck, and out building. Don't miss this opportunity to make this your next home.

Seller Tips: Get the Most Resale Value Out of Your Bathroom

According to Remodeling Magazine’s 2013 Cost vs. Value Report, the average bathroom remodel (costing around $15,000) recoups 65.2% of the cost when the house is sold. For Warner Robins GA sellers with older home, this can make a big difference in the caliber of buyers that your home attracts.

What Features Do Buyers Want? When remodeling the bathroom, make the most of the space you have, rather than wasting square footage on details like a large Japanese soaking tub or a bidet. These features may be essential to you, but most buyers don’t have the time or desire to use them. According to HGTV, Steve Straughan, an architect at KAA Design Group, a Los Angeles-based firm, advises his clients to skip adding a bathtub in favor of a larger walk-in shower if there isn’t room for both. If you have enough money in your budget, Straughan notes that floor-to-ceiling steam showers are very popular with buyers. Double sinks are also something worth adding during your bathroom remodel. LaNita Cates, a Chicago based realtor, notes that double sinks are a

Is It Worth Adding a Second Bath Before Selling Your Home?

If your home currently only has one bathroom, then yes, it is worth it. But even if you already have more than one bathroom, it could pay off to add another if there’s a need for it. According to a study for the National Association of Realtors, researchers found that each full bathroom in a home adds an average of 24% to the selling price.

Staging Tips Once all of the updates have been completed and you’ve listed your home, take the time to carefully stage the bathrooms. The goal of doing this is to neutralize the bathroom and show potential buyers a blank slate that they can make their own. To do so, remove or pack away all personal items, such as your toothbrush, shampoo, makeup and bathrobe. Clear out the medicine cabinet, leaving only a few necessary essentials. Replace the shower curtain, rug and towels with new items in coordinating neutrals with an occasional pop of color to add interest.

The Plantation at Willow Lake in Warner Robins GA 31088 is located off Old Gunn Road and is an established community of one and two-story brick homes, most with mature trees.

Close to the Galleria Mall, this subdivision is conveniently near a variety of restaurants and shopping and is only 25 minutes from Robins AFB for those working on the base.

The Houston County Public Schools for the Plantation at Willow Lake are Eagle Springs Elementary, Thomson Middle, and Northside High School.

A snapshot of the Warner Robins real estate market in The Plantation

at Willow Lake in 2012 is below: Number of Sales: 3 Average Sales Price: $303,666 Average Days on Market: 129 Sales Price to List Price Ratio:

88.97%

Currently, there are no homes for sale in The Plantation at Willow Lake.

a major selling point in her area.

What Can I Do on a Small Budget? If a full bathroom remodel isn’t in your budget, there is still plenty that you can do to make your bathroom more appealing to potential homebuyers. Look around for small projects that can be completed. Does the grout around the shower or floor tile look lumpy or stained? Spend a few hours next weekend and replace it. If your shower and sink fixtures look dingy even after being cleaned, replace those as well. Add a brand-new toilet seat; no one wants to use one that looks like it’s been there for decades. If your window treatments are dusty and dated, replace them with a new roller shade, which will allow in the most light when not in use. Are the walls painted a dark color? In a recent video from AOL on Home, New York real estate expert, Barbara Corcoran, advises sellers with dark walls to repaint them white or another bright neutral to make the bathroom look light and sunny. Corcoran also recommends changing all light bulbs, as most bathrooms have bulbs with insufficient wattage.

Featured Neighborhood: The Plantation at Willow Lake

Subdivision in Warner Robins GA 31088

SOLD in Kathleen GA 31047, Magnolia Hills Subdivision

Another home has SOLD in Kathleen GA

31047 in the Magnolia Hills Subdivision,

courtesy of Anita Clark Realtor, Coldwell

Banker SSK in Warner Robins GA.

This all-brick 2,847 sq ft two-story home

is off the market, thanks to seller clients

who listened and priced their home in-

line with the current market conditions.

The result: listed and closed in 24 days.

Buyers, if you like the look of this

Kathleen GA home or community, do not

despair, there are more homes available

in the Magnolia Hills Subdivision.

Whether you are buying or selling in the Kathleen real estate market, I would love the opportunity to assist you. Call me at (478) 960-8055 so we can discuss your Kathleen real estate options. As always, visit Homes for Sale in Kathleen GA to view a complete list of Kathleen Real Estate.

Click to watch my video about this

subdivision!

L I S T I N G S If you know anyone who might be interested in one of these homes, or might need

the assistance of a realtor, please feel free to call me or to pass on my number.

P E N D I N G S

404 Windstone Place Bonaire, Georgia 5BR/4BA, 3328 SQFT $350,000, MLS# 106468

439 Brantley Ridge Warner Robins, Georgia 4BR/2.5BA, 2507 SQFT $242,000, MLS# 106863

321 Audrey Way Kathleen, Georgia 5BR/4BA, 3580 SQFT $249,900, MLS# 107115

109 Suncrest Place Kathleen, Georgia 4BR/2.5BA, 2940 SQFT $237,900, MLS# 107220

Call Anita Clark today to find your future home!

Direct: (478) 960-8055 Business: (478) 953-8595 x227 Toll Free: (888) 535-5055 x227

212 Laurel Brook Drive Warner Robins, Georgia 4BR/2BA, 2162 SQFT $175,000, MLS# 108179

255 Falcon Crest Warner Robins, Georgia BUILD YOUR HOME HERE $77,000, MLS# 98356

121 Magnolia Hill Road Kathleen, Georgia 4BR/3.5BA, 2975 SQFT $254,900, MLS# 108430

509 Kimberly Road Warner Robins, Georgia 4BR/3.5BA, 3868 SQFT $145,000, MLS# 109874

202 Northumberland Way Warner Robins, Georgia 5BR/3BA, 3164 SQFT $219,900, MLS# 109884 Closing Date: 3/15/13

204 Broughton Street Warner Robins, Georgia 5BR/4.5BA, 4527 SQFT $369,900, MLS# 109971

Homes for Sale in Warner Robins GA with 3+ Car Garages, Feb 2013

Consumers looking for homes for sale in Warner Robins GA with 3+ car garages currently have 27 homes they can choose from. Whether you need space for the vintage car, storage, or your workout equipment, there are some excellent choices on the list below (subdivision, # available, price format). Homes for Sale in Warner Robins GA with 3 Car Garages Ashley Hall- 2 available, $240,000 and

$275,000 Autumn Woods- 1 available, $159,900 Brantley- 3 available, $275,000 to

$399,000 Brittwood- 1 available, $164,900 Carlton Ridge East- 1 available,

$277,500

Club Estates- 1 available, $200,000 Hatcher Estates- 1 available, $289,000 Kensington- 1 available, $254,900 Overlook- 1 available, $275,000 Savannah Square- 1 available, $256,900 Stathams Landing- 4 available,

$274,900 to $499,900 United Estates- 1 available, $74,900 Vinings Place- 1 available, $435,000 Weatherby Plantation- 1 available,

$298,000 Woodbridge- 3 available, $369,900 to

$529,900 Homes for Sale in Warner Robins GA with 4 Car Garages Quail Run West, 1 available, $199,900 Royal Oaks, 1 available, $349,900

Stathams Landing, 1 available, $595,000

Homes for Sale in Warner Robins GA with 5+ Car Garages Prestige Estates, 1 available, $455,000 As always, unique properties in Warner Robins GA are provided as a courtesy by your Warner Robins Real Estate Expert, Anita Clark Realtor. Call me at (478) 960-8055 for more details on these properties or visit Warner Robins Real Estate to search all homes for sale in Warner Robins GA.

214 Welney Circle Warner Robins, Georgia 3BR/2BA, 2023 SQFT $199,900, MLS# 110200 Closing Date: 3/1/13

149 Addington Drive Kathleen, Georgia 3BR/2BA, 2295 SQFT $205,000, MLS# 110453

103 Spruce Street Warner Robins, Georgia 3BR/1BA, 1552 SQFT $59,500, MLS# 110256

319 Pebble Beach Drive Perry, Georgia 2BR/2BA, 1796 SQFT $139,900, MLS# 110490

201 Amber Drive Byron, Georgia 3BR/2BA, 1566 SQFT $129,900, MLS# 108619 Closing Date: 3/22/13

100 Twin Oaks Court Warner Robins, Georgia 5BR/3BA, 3318 SQFT $169,500, MLS# 108154 Closing Date: 3/29/13

302 Mossy Ridge Warner Robins, Georgia 4BR/3BA, 2878 SQFT $219,900, MLS# 109713 Closing Date: 04/05/13

[

Warner Robins GA Real Estate Market Report

ANITA CLARK, Realtor®, ABR, CRS, e-PRO Honors Graduate of Williams Real Estate Academy

ABOUT ME: I am a full-time realtor and will help you and your family find your dream home! I am British, a 20-year military spouse (retired), married with two grown daughters who are both married, and an active member of Harvest Church. I am an Honor Graduate of Williams Academy of Real Estate and a member of the following associations/services: Central Georgia Multiple Listing Service, Georgia Multiple Listing Service, National Association of Realtors, and the Central GA Board of Realtors. CONTACT: Business: (478) 953-8595/ext. 227 E-mail: anita@cbssk.com Toll Free: (888) 535-5055 Website: www.anitaclarkrealtor.com Cell: (478) 960-8055 Blog: www.sellingwarnerrobins.com COMMENTS: Selling, buying, or leasing, I am committed to provide you the best possible service to meet all your real estate needs. I will give you the personal attention you deserve, have high ethical standards, and look forward to working with you! TERRITORIES: Warner Robins, Centerville, Bonaire, Kathleen, Perry, Byron, Forty Valley, Hawkinsville, Jeffersonville EXPERTISE: First Time Homebuyers, Military Relocations, New/Resale Residentials, Leases

If your property is currently listed with a real estate broker, please disregard. It is not our intention to solicit the

offering of other real estate brokers. We are happy to work with them and cooperate fully.

FINAL THOUGHTS….

CHECK OUT MY VIDEOS

ON YOUTUBE!

A bit disappointing in

January was the number of

Warner Robins GA home

sales that took place.

Despite many homes

entering the market and

getting under contract, the

sluggish standard sales

significantly contributed to

sluggish sales. The good

news is distressed homes

continue to sell in this

market (up 37% in the

past 30 days), leaving few

foreclosure options for

interested buyers.

The highest priced sale last

month was $360,000 and

the lowest was $14,900

(foreclosure).

Currently, the Warner

Robins real estate market

Largest Home on the Market: 6,872 sq ft

Smallest Home on the Market: 672 sq ft

Median Price of Available Homes: $115,250

How can both buyers

and sellers gain an

advantage in the

Warner Robins Real

Estate Market? Employ

the services of a Robins

Realtor who knows the

area well! For a

complete list of

available Warner

Robins Real Estate, visit

Homes for Sale in

Warner Robins or call

me at (478) 960-8055

so we can discuss your

housing needs.

Statistics represent ONLY non-foreclosure, non-short sale, single family homes in Warner Robins (Source: CGMLS). Information is

deemed reliable, but not guaranteed.

“If you want it SOLD, call Anita Clark – she is a houseSOLD name!”

l l

is a buyer’s market with nearly 10 months’ worth of homes on the market (372 homes). Overall, the January 2013 Warner Robins real estate averages and totals are as follows: Avg Sales Price:

$124,747 (Down from Dec 2012, $126,346)

# of Monthly Sales: 46 (Down from Dec 2012, 53)

Avg Days-on-Market, Sold Homes: 129, (Up from Dec 2012, 92)

Avg Sales to List Price Ratio: 95.59% (Down over Dec 2012, 96.39%)

Highest Priced Listing: $595,000

Lowest Price Listing: $9,900 (foreclosure)