New home for sale in Olney: 146 W. Ashdale, 19120

Where else can you find a home that has been rehabbed, from top to bottom, in Olney, for less than $75K? Right here at 146 W. Ashdale street. This home features brand new everything, fenced-in front porch for privacy, attached garage, and is close to schools and shopping.

Click here for the photos and details, then schedule your appointment to see 146 W. Ashdale Street, Philadelphia, PA 19120.

Buy 146 W Ashdale, 19120

New home for sale in Castor Gardens: 1308 Hale Street, 19111

This modern, spacious home is perfectly priced at $90,000. Features an updated bathroom, proximity to shopping and public transportation, and attached garage.

Click here to see all photos, details, and schedule your private showing of 1308 Hale Street, Philadelphia, PA 19111.

Top five signs that you are not be ready to purchase a home

As a real estate agent who works closely with homebuyers and mortgage lenders, I’ve come across several indicators that point to whether or not someone is ready to purchase a home. Following are the top five signs indicating that you are not ready to purchase a home. Some of these will be obvious, but it seems there are still a lot of people out there who don’t get it.

  1. You do not have any money saved, at all. Even if you get a mortgage offering 100% financing, you still need money for earnest deposits, inspections, appraisals and closing costs. You’ll also need money to move, buy appliances, and possible pay deposits to turn on utilities. Not having any money saved indicates that you’re living paycheck to paycheck, which is dangerous and can be a financial catastrophe. If you want to buy a home in Philadelphia, you should have at least $2,000 saved in a checking or savings account.
  2. You do not have any income. You can’t get a mortgage if you don’t have income. Even if you are paying cash for a home, you still will have the ongoing expenses of homeowner’s insurance  and real estate taxes. You need income to cover those expenses.
  3. You have not paid bills on time in the past 12 months. When a mortgage lender checks your credit history, they want to see that you pay your bills on time. The way they see it, if you can’t pay a small car payment on time, you won’t be able to pay a mortgage on time either.
  4. Your credit cards are maxed out. Ideally, you should be paying off credit card balances every month. If your credit cards are maxed out, that’s a sign that you are living on borrowed money, which is a bad habit. Get your credit card balances down to at least 30% of the credit line, or pay them off completely.
  5. You don’t want to have to fix anything. Once you become a homeowner, you are responsible for fixing anything that breaks in the home. If you still want to be able to call the landlord and not worry about it, you’re not ready to be a homeowner.

Do any of these signals apply to you? If so, you may want to either reconsider buying a home at this time, or ask me how you change your situation so you can become a homeowner.

Next rent-to-own information session will be on Saturday November 5th!

Are you tired of renting and paying someone else’s mortgage? Have you tried to purchase a home but could not qualify because of credit issues? Do you want to learn about alternative ways to purchase a home? Then rent-to-own  is for you.

The  next rent-to-own information session will take place on Saturday, November 5th. The session will start promptly at 10:30am and will cover everything you need to know about how rent-to-own works, and what you need to qualify.

Seating is limited for session is limited. To reserve your seat, use the form below to RSVP. I look forward to meeting you on November 5th!

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Featured home for sale in Lawncrest at 6152 Hasbrook 19111

This gorgeous home is both spacious and functional! The bedrooms feature plenty of closed space, the kitchen and bathroom have been recently updated, and the basement has a walkout to the garage. The seller will also consider

You can view all the pictures and schedule your appointment online by visiting 6152 Hasbrook 19111 for sale.

New featured home for sale in Castor Gardens: 1334 Passmore 19111

Now offered for sale is a beautifully rehabbed home in the Castor Gardens neighborhood. This home features stainless steel appliances, real hardwood floors, new bathroom, finished basement, and so much more. First-time homebuyers can receive up to $3,500 in assistance to buy this home.

You can see more pictures and schedule an appointment to see this home at 1334 Passmore Street 19111.

400 properties offered for sale at the PHA auction!

The Philadelphia Housing Authority (PHA) will be auctioning 400 of its properties on November 16, 2011. The auction sale will include single-family properties, multi-family properties and vacant lots. This auction presents a great opportunity for investors and homeowners alike to get great deals on Philadelphia real estate.

Auction representation is available for this sale. To get a list of auction properties and learn more about auction representation services, contact me, or call me at 215-335-6936.

Free special report shows how to buy the home you want for the best price and financing rate!

Don’t even think about buying a home without being prepared with all of the facts. Every year thousands of home buyers fall into the same financial traps. One error can easily cost you a fortune! This new report will clue you in on what many homebuyers wish they would have known.

Discover how to avoid costly mistakes that can rob you of thousands of dollars! To get your own FREE copy of this informative report emailed to you at no cost or obligation, simply complete the form below and click Submit. It is your hard earned money on the line!

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New home for sale at 7142 Tabor Avenue 19111

Check out this beauty for sale in the Burholme neighborhood. Spacious, well-maintained, in one of the most sought-after neighborhoods in the city.

Click here to see more pictures and details for 7142 Tabor Avenue. Then call me at 215-335-6936 to schedule your private showing. First-time homebuyers can receive up to $3,500 in assistance to buy this home!