SMYRNA, DELAWARE. ACCORDING TO NATIONAL GEOGRAPHIC ADVENTURE, "SMYRNA IS ONE OF THE BEST PLACES TO LIVE AND PLAY".
FOR $250,000 YOU CAN BUY A NEW 2 STORY, 2,744 SQ. FT. SINGLE FAMILY HOME WITH 5 BEDROOMS, 4 FULL BATHS, A 2 CAR GARAGE, A FULL BASEMENT AND MUCH MORE.
THE BUILDER PAYS $10,000 TOWARDS YOUR CLOSING COSTS. THE FEDERAL GOVERNMENT WILL GIVE YOU $8,000 IF YOU HAVE NOT OWNED A HOME DURING THE LAST 3 YEARS. IN ADDITION TO THAT, DELAWARE HAS A FIRST TIME HOME BUYERS PROGRAM.
FHA LOANS ARE THE " THE PERFECT STORM "
BECAUSE OF RECENT CHANGES, FHA LOANS HAVE BECOME AN EXCELLENT VALUE. FHA LOANS HAVE VERY COMPETITIVE RATES, LOW POINTS AND AS LITTLE AS 3% DOWN. IF YOU HAVE A 625 OR BETTER CREDIT SCORE AND A GOOD PAYMENT HISTORY, THERE IS A GOOD CHANCE YOU WILL QUALIFY FOR A FHA LOAN. ALSO, THERE IS NO INCOME CAP WITH FHA LOANS. IN OTHER WORDS, YOU CAN HAVE A ANNUAL INCOME OF A MILLION DOLLARS AND STILL GET A FHA LOAN.
IN ADDITION TO THAT, FHA LOANS LIMITS HAVE INCREASED SIGNIFICANTLY. IN DELAWARE, THE FHA LOAN LIMIT HAS INCREASED TO $420,000 IN NEW CASTLE COUNTY AND $376,250 IN KENT COUNTY.
COUPLE THIS WITH THE LOWEST INTEREST RATES IN RECENT MEMORY AND EXCELLENT BUYS IN THE HOUSING MARKET AND YOU HAVE THE "PERFECT STORM"
AS A RULE, IN A SLOW MARKET,THE HIGHER THE PRICE OF A HOUSE THE LONGER IT TAKES TO SELL. BECAUSE OF THE SLOW DOWN IN THE MARKET, NOW WOULD BE AN EXCELLENT TIME TO BUY A HOME IN THE HOCKESSIN AREA, GREENVILLE OR CENTERVILLE AREA.
IF YOU DO A THOROUGH SEARCH,YOU SHOULD BE ABLE TO FIND AN EXCELLENT BUY. THIS IS ESPECIALLY TRUE IF YOU FIND A HOME THAT HAS BEEN ON THE MARKET FOR A EXTENDED PERIOD OF TIME.
Location Characteristics: HOCKESSIN, GREENVILLE,AND CENTERVILLE ARE CONSIDERED THE MOST AFFLUENT AREAS IN DELAWARE. THESE AREAS ARE LOCATED NORTH OF WILMINGTON. LARGE HOMES ON LARGE LOTS IN A COUNTRY SETTING, MAINLY OCCUPIED BY PROFESSIONALS AND EXECUTIVES. MOST HOMES IN THE AREA ARE IN THE $500,000 TO $1,000,000 PLUS PRICE RANGE.
MANY OF THE HOMES HAVE BEEN IN THE SAME FAMILY FOR GENERATIONS.
About Joe `Arty` Artysiewicz:
I HAVE 40 YEARS OF BUSINESS EXPERIENCE. I STARTED AT ENTRY LEVEL POSITIONS AND WORKED MY WAY UP TO GENERAL MANAGER. I HAVE A BS IN ACCOUNTING AND A MBA IN BUSINESS ADMINISTRATION.
I AM A LIFELONG RESIDENT OF DELAWARE. BECAUSE OF THIS, I KNOW THE AREA AND ITS PEOPLE WELL.THIS IS WHAT SETS ME APART FROM MOST REALTORS.
IF YOU ARE BUYING A HOUSE, AND YOU ARE FROM OUT OF TOWN, I WILL PERSONALLY VISIT THE TOP 5 OR SO PROPERTIES YOU HAVE SELECTED. FROM THIS VISIT, I WILL DETERMINE IF THE PROPERTY MEETS ALL YOUR NEEDS. THIS WAY,WHEN YOU COME TO VISIT,WE WILL ONLY BE LOOKING AT PROPERTIES THAT MEET YOUR EXACT SPECIFICATIONS.
IF YOU ARE SELLING A PROPERTY IN MY AREA, I WILL AGGRESSIVELY MARKET YOUR PROPERTY. THIS INCLUDES DOING SEVERAL OPEN HOUSES A WEEK. I DO OPEN HOUSES 7 DAYS A WEEK,OFTEN TO 6PM. MOST AGENTS,IF THEY EVEN DO OPEN HOUSES,DO THEM ON SUNDAY FROM 12PM TO 2PM OR 1PM TO 3PM OR 2PM. IF YOU THINK ABOUT IT, HOW MANY HOMES CAN A CUSTOMER VISIT FROM 12PM TO 3PM ON A SUNDAY. ON AVERAGE, I GET 5 TO 10 TIMES MORE POTENTIAL BUYERS TO VISIT YOUR PROPERTY THAN A NORMAL AGENT.
IF YOU ARE SELLING YOUR HOUSE OUT OF MY AREA, I WILL REFER YOU TO ANOTHER REMAX AGENT. I WILL WORK CLOSELY WITH HIM OR HER TO MAKE SURE THEY ARE DOING A EXCELLENT JOB.
THIS COMBINATION OF FACTORS ALLOWS ME TO QUICKLY IDENTIFY YOUR NEEDS AND FIND YOU THE PERFECT HOME IN THE LEAST AMOUNT OF TIME.
These reports reflect the views and opinions of their authors and are not necessarily the views and opinions of Realty Times.
