We are in a fantastic residential real estate buyers' market -- that's very good news for home buyers! Interest rates are still historically low. There are more homes coming on the market daily and sellers are having to be realistic in pricing. There are plenty of homes to choose from. If you are thinking of selling, now, more than ever, you need an experienced team to get your house sold. You need an agents who will stand above the crowd! As you look over our listings, you will notice the photos truly enhance the best features of the homes. No matter what the price range, we will help you stage and prepare your home to show and net you top dollar for your home! You need an agent to help you buy or market your home. If you are thinking of buying, make sure you have a Realtor working full time for you and keeping you up to date. The internet makes it very easy! There will be new listings coming on the market daily. Get in touch with your Realtor so that you can be the first to know about new listings via MLS e-mails. Use the internet to get pre-approved for a mortgage at www.fnbstl.com. Interest rates have remained low, with many price reductions right now, and you should be able to buy a new home with less stress, being fully knowledgeable about the current market.

What about a  foreclosure?  Despite what they may say, no buyer’s heart's fondest desire is to buy a foreclosure.  But almost every buyer dreams of buying a great home - and getting a great deal on it.  Many people think that to get a great value on their home on today's market, it means they must buy a foreclosure.  As a result, the value and other advantages of buying an individually-owned home on today's market are frequently overlooked.  Individual sellers with homes on the market right now are generally quite motivated, and understand that their homes are competing with discounted short sales and foreclosed homes.  Many of these sellers are slashing prices in an effort to get them sold - the most recent data revealed that 27 percent of homes on the market across the country have had at least one price reduction.  Now that's what I call a sale!

Further, individual owners are often much more negotiable on a wide range of contract terms than a bank which owns a foreclosed home.  You can work with non-bank owners on things like repairs, closing dates, choice of escrow provider, closing costs and even included personal property much more flexibly than you can when the bank is on the other side of the bargaining table.  On top of that, many individually-owned homes are in pristine, move-in condition; that is much rarer with foreclosures.  So, don't underestimate the value of the deal you might be able to get on a non-foreclosed home.  Just get clear on what you can afford and look at all the homes that are available in that price range, without discriminating against non-foreclosures.

HOW TO BE A SUCCESSFUL HOME BUYER.

1.Visit Sunday open houses to get an idea of the type of home, area, and price range you would like.

2. Talk to your lender about financing once you know what price range you want. Ideally, you will have a pre-approval before making any offer to purchase a home.

3. Have a Realtor represent you in your home search. Generally a Realtor's commission is paid by the seller, so there is no cost to you to have a buyer's agent working for you. Be honest with your Realtor. He or she will work hard to find the home of your dreams and save you many headaches. IF YOU ALREADY HAVE A REALTOR PLEASE CALL HIM OR HER ABOUT ANY PROPERTY YOU SEE ON THIS WEB SITE. IF YOU DO NOT HAVE A REALTOR WE WILL BE HAPPY TO HELP YOU!

WHY CHOOSE THE SUSAN SCHIFF and ANNETTE CANALE TEAM TO HELP YOU?