Cressy & Everett Real Estate Why Choose Us by Brian Floor

Why Choose Us Remaining true to our founders core values established in 1946, we are committed to providing the highest quality customer service based on honesty, reliability and fair dealing. Today, our customers still benefit from this commitment and share the reasons why they choose Cressy & Everett Real Estate. • • • • • • • • • • • • • • • • • •

Reputation and established name, recognized in the area A name you can depend on They represent themselves better than other firms Because you say you can get results Marketing Power Your marketing strategies are extensive Aggressive promotional campaigns Advertising, open house, internet, direct mail Market Share, office locations, coverage area, more houses. House was listed by Cressy & Everett Sold homes in my neighborhood Energetic, Caring, Professional, Knowledgeable Service Friend Recommended Previous Customer Because of the agent Honest and liked agent, knowledgeable Reputation as a leader

Core Values Associate Success We will provide a caring and enabling environment that will allow Associates to succeed.

Community Citizenship Actively participate, support, and care for the communities in which we do business.

Customer Centered Commitment Our partnership of mutual accountability (responsibility) and our willingness to embrace the service strategy through honest, enthusiastic, and caring commitment.

Empowerment Creating an environment that develops Staff, Managers, and Associates through leadership and education, and increases their abilities to accomplish company goals.

Integrity In every area of our operations we will distinguish ourselves on the basis of honesty, reliability, fair dealing, and commitment to the highest level of service.

Partnership Committed to the mutual contributions made by both the Associates and the Company to exceed Customer/ Client expectations.

Passion A true enjoyment of our individual work roles uplifts those around us and develops greater commitment to our overall goals.

Professionalism We will conduct ourselves and our business with the highest level of competency, consistency, and ethics, through continuing education and personal development.

Profitability Maximize the long-term value of the company through a positive return on investment.

Respect Recognizing and valuing the differences in one another.

Triangle of Service The Service Strategy

The Customer The Systems

The People

Everyone at Cressy & Everett Real Estate commits to exceeding buyersâ&#x20AC;&#x2122; and sellersâ&#x20AC;&#x2122; individual expectations and to delivering results throughout, as well as after the real estate process. The key to achieving this is our partnership of mutual accountability and willingness to embrace the service strategy through honest, enthusiastic, and caring commitment.

C RESSYE VERE T T.COM CUSTOMERS

ONLINE

Experience

Our Customers Say it Best Home buyers agree, cressyeverett.com is an outstanding resource to educate, inform, and ease the process of buying a home — and it’s a breeze to use. Before you try it yourself, consider what just a few users have to say:

Definitely the most convenient real estate website I’ve used. It was very helpful that homes not exclusively for sale by Cressy & Everett were listed. Being able to save homes I was interested in to a folder was also a plus. I rarely had to use a different website.

Our primary resource when shopping for a home.

Excellent amount of detail in each listing.

Very user-friendly. Frequently updated, great search function, and great mapping.

C RESSYE VERE T T.COM / ONL I NE FE ATU RES

ONLINE

Features

So robust...our competitors send their customers and clients to it. Our customers and clients, and those of our competitors use cressyeverett.com as their one-stop real estate resource. Itâ&#x20AC;&#x2122;s designed with features to make finding your next home a breeze. Visit cressyeverett.com today to experience it for yourself.

Find Waterfront View SWMI lake maps and properties on any lake in the region

All Listings Up-to-date and accurate details of any home listed by any company

National Listing Sites

Photo Galleries Quickly decide whether a house fits your personal taste

Interactive Maps Pinpoint just the right house in the right location

Open Houses Full list and schedule of all open houses

Email Alerts Effortlessly stay on top of new listings as they hit the market

Virtual Tours Have an inside look at each listing

ÂŠ Cressy & Everet t Real Estate Revised Feb 2011

Traffic Reports Only Cressy & Everett sellers receive weekly reports of their homes web activity

Cressy & Everett homes are listed through multiple national outlets, which drive traffic to CressyEverett.com

Experience Cressy & Everett Mobile Search any home listed by any company from any smart phone.

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We’ve got you covered! Cressy & Everett Real Estate is the home marketing leader. As a seller, our coverage means your home will get noticed by thousands of potential buyers. No other local company offers this combination of television, print, internet and yard sign exposure. Visit an open house this weekend!

Television

Homes Magazine g

cressyeverett.com y

Unique Signage g g

We understand the power of television to market homes. We broadcast three times, every weekend reaching 31,000 households, and thousands of loyal viewers. Find weekend open houses here.

Our color magazine features every home, every day, until sold. Our regional distribution throughout Michiana means home buyers can pick up a magazine in Elkhart, Indiana and see homes for sale in Three Rivers, Michigan. No other magazine offers every seller, every day exposure, and regional distribution like ours.

82% of home buyers use the internet to begin their home search. That’s why we offer a higher level of internet convenience with an ultrafast and easy to navigate format and new interactive features. Our site is visited by more people than any other local real estate web site.

When you drive around Michiana, you’ll notice our signs. Their unique shape and size draws the attention your home deserves. Our yard signs direct visitors to your weekend open house, and web site for home features.

Saturdays · 5pm - SBT2 Sundays · 10am - WNDU · 1pm - SBT2

TV Home Shows We’re the only company in the area that produces a TV show dedicated to selling homes. Three shows every weekend We understand the power of television to market homes. We will broadcast your home three different times over the weekend reaching about 31,000 households, and thousands of loyal viewers and potential buyers. Custom script and photo highlights We’ll create a custom script to describe your home’s best features and enhance each photo to show off every detail. Our announcers promote your home’s personal web address for viewers to find more details on our web site. Web TV Cressyeverett.com features the TV show in streaming video so buyers can preview your home before and after the weekend broadcasts. Thousands of hits are generated each week so we’re maximizing your exposure to more potential home buyers. TV show listings featured on cressyeverett.com When your home is schedule on TV, it’s also highlighted on cressyeverett.com as a “TV Show Listing.” It’s one more way of adding more exposure on the web.

Now Three Shows Every Weekend.

Open house day of the show When you hold an open house the day it airs on TV, you’ll gain maximum exposure to generate prospective buyers to your door. Our announcers tell the viewer your home will be open, and feature your home in a special “Open House Review” at the end of the show. NEW!

Saturdays

5 pm

Digital Channel 22.2 Dish TV Channel 30

Sundays

10 am WNDU Channel 16 Comcast Channel 8

Sundays

1 pm

Digital Channel 22.2 Dish TV Channel 30 © Cressy & Everett Real Estate 2008

We understand the power of television to market homes. Starting Saturday, April 5th, we’ll be adding a third broadcast

HOMES Magazine

Full color. Every day until sold. Full color. Every day. Our exclusive color HOMES magazine features your property and includes what buyer’s want to know; your address, price and city location. Your home will remain in every consecutive issue until it’s sold. Superior Organization By Price Range Home buyers and sellers know because our magazine presents all homes listed by Cressy & Everett by market area, then price sequence, highest to lowest, they can find exactly what they are looking for. Regional Distribution Over 23,000 magazines are distributed every issue throughout St. Joseph County, Elkhart County, IN and Berrien, Cass, and St. Joe County, MI via our “Take One” stands in over 100 convenient locations. Our prime locations are Martin’s Supermarkets, Meijer Stores and our seven office locations throughout Michiana. No other real estate publication in the Michiana area is as widely distributed.

Exclusive Home Marketing System When you choose Cressy & Everett, you’ll relax knowing your home will reach more potential buyers than ever because, along with traditional marketing methods, we add our exclusive upgrades like these: Traditional Marketing Methods Competitive Market Analysis (C.M.A.) Yard Signage Home Feature Sheets Multiple Listing Service (M.L.S.) Leading Real Estate Companies of the WorldTM National Referral Network

Open House Event

You’ll see the results of the TV, yard signs and Internet marketing when your home is visited during an open house.

Cressy & Everett Mobile

Buyers on the go can find your home from their smart phone simply by entering your house number, then click to call your Realtor for more information. In addition, open houses with mapping and all your homes photos enhance the user experience.

Cressy & Everett’s Internet Marketing cressyeverett.com, realtor.com, relohomesearch.com, trulia.com, frontdoor.com, zillow.com, yahoorealestate.com, aol real estate, cyberhomes.com, openhouse.com. You’ll increase your chances of

selling quickly by reaching the 89% of home buyers who use the Internet to begin their home search. Your property information with photos, a map and directions will be there every day until sold.

Cressy & Everett’s TV Shows - Triple exposure

We understand the power of television to market homes. We’ll broadcast your home to over 31,000 households on SBT2 Saturdays at 5:00 p.m., WNDU Sundays at 10:00 a.m. and again on SBT2 Sundays at 1:00 p.m. We’re the only show in the area dedicated to selling homes. I authorize Cressy & Everett to perform the above upgrades.

Cressy & Everett’s HOMES Magazine

You will see your home marketed to 23,000 potential home buyers across the region in Elkhart & St. Joseph counties in Indiana, and Berrien, Cass, St. Joseph & Van Buren Counties in Michigan - every issue until sold.

________________________________________________________________ Property Address

________________________________________________________________ Seller(s) Signature

Date

I commit to the traditional marketing methods and also the upgrades. I will keep in touch and provide regular updates regarding activity. ________________________________________________________________

Real Estate Professional Signature

Date

Five Elements of Selling Your Home

1 2 3 4 5

Asking Price This is the number one factor in the sale of your home. Our sales and marketing program provides exposure to a large segment of potential buyers. The actual market value is then determined by what a buyer is willing to pay. Property Location The second most important factor in the buyerâ&#x20AC;&#x2122;s mind is location. The proximity to area amenities and schools is typically a concern. In addition, street traffic, proximity to expressways and public transportation are considerations. Property Condition Buyers look at the structural and mechanical integrity as well as the upkeep and cosmetic appeal of a property. Neutral decor, including floor and wall coverings, appliances and fixtures, offers the broadest appeal to potential buyers. Market Conditions Interest rates, competition from other properties, the economy and consumer confidence all influence the sale of your home. Each of these factors is beyond our control, so we must respond to these conditions with the appropriate marketing and price considerations. Contract Terms The terms of a sale can make or break the contract. House sale contingencies, closing dates, and exclusions of accessories or fixtures should always be handled clearly up front in order to avoid any confusion that could affect the sale.

ÂŠ Cressy & Everett June 2005

Positioning Your Home by Pricing Higher Prices Attract Few Buyers Higher Price

Actual Fair Market Value Price

Lower Price

Fair Market Value

Lower Prices Attract Many Buyers

 Pricing Triangle This represents all the potential buyers in the market for a given home. As the asking price increases toward the peak of the triangle, the number of potential buyers who are willing to pay a premium price for the home declines, until the buying public perceives that the price is so high that no prospects are attracted at all. Ideally, you should price your home in the range of actual fair market value. Setting a fair asking price helps you obtain the maximum selling price for your home. © Cressy & Everett June 2005

Drawbacks of an Overpriced Home Initial Above Market Asking Price

First Price Reduction

Fair Market Value

Second Price Reduction

Third Price Reduction

Price

Final Below Market Selling Price

Days on Market Many sellers think that an overpriced property simply can be reduced if it doesnâ&#x20AC;&#x2122;t sell. The danger with this approach is that by the time the property is finally reduced to its market value, it may have been on the market so long that buyers perceive it to be a tainted property. Buyers then question how long the home has been on the market and why it hasnâ&#x20AC;&#x2122;t sold. Their offer to purchase, based on that knowledge, may be below its actual value. As real estate professionals, we use market research to arrive at an initial price that is both realistic and fair to you as the seller, but also attractive to buyers. This pricing process takes in to account a number of key factors, which include the property location and condition, and the market history and current activity.

ÂŠ Cressy & Everett June 2005

Overpriced Home and Market Time Days on Market Sales agents are constantly on the alert for new properties to show to their active, qualified buyers. As a result, the majority of showings by sales agents on a new listing occur when the house is first placed on the market.

Activity

Once this group of agents and buyers has seen the property, showing activity decreases to only those buyers new to the market. Therefore, it is important to position your home at the best price during the first market exposure.

Week 1

Week 2

Week 3

Week 4

A new property on the market generates a high level of interest

Peak market awareness during the first two weeks on the market

Declining awareness and interest as other new properties arrive on the market

Continued decline

ÂŠ Cressy & Everett June 2005

We Market to the World. When selling your home, you need out-of-area as well as local exposure to the highest possible number of potential buyers. We deliver. With 150,000 talented associates around the world, we market your home in 30+ different countries, ensuring the most eyes on your property. It’s global vision with a personal view.

600 member companies 5,000 offices 150,000 associates 30+ countries Home sales of $250 billion Nearly 1 million transactions #1 market leader in 41 of the top 90 markets in sales volume, transaction sides or both – nearly double that of the closest competitor

AS A MEMBER OF LEADING REAL ESTATE COMPANIES OF THE WORLD® we receive inbound clients of our fellow 150,000 network associates in 30+ countries…clients who may be interested in purchasing your home. AS SOON AS YOUR HOME IS POSTED TO OUR WEBSITE locally, it is immediately accessible from the websites of the top real estate firms in the world through our network’s “RELO® Home Search” program, with access to nearly 2 million online listings and high Google rankings. LEADING REAL ESTATE COMPANIES OF THE WORLD® is a pedigree denoting the very best companies with the most qualified clientele, who wish to do business with similar firms in their new destination locations, attracting potential buyers for your home as a result.

LeadingRE.com RELOHomeSearch.com LuxuryPortfolio.com 06.15.10 © Cressy & Everett Real Estate 2010

® ®

OPEN HOUSES PROMOTED ONLINE, ALL THE TIME Holding an open house creates opportunities for potential home buyers to easily view your home, providing you feedback while generating additional marketing buzz within your neighborhood. Since 90% of home buyers use the Internet to begin their home search*, it only makes sense to promote your open house to this large sphere of potential buyers. * National Association of Realtors Profile of Home Buyers and Sellers 2009

These targeted websites promote your open house to showcase your property to as many interested consumers as possible. This is just one of the marketing vehicles that we use in the complete marketing of your home. For more information on where your open house will be listed, see below.

FrontDoor.com is the exclusive real estate portal for the HGTV television network. Your open house will be displayed to millions of online visitors each week. OpenHouse.com is the real estate industry’s largest single website that is devoted to promoting your open house. RELOHomeSearch.com is a powerful website that ranks high on Google and drives consumers to view your home online and also showcases your open house information.

® ®

OUR NETWORK AFFILIATES ARE THE COUNTRY’S TOP-SELLING COMPANIES.

We bring you the power of our Leading Real Estate Companies of the World® affiliation with the best companies in real estate. According to REAL Trends 500, the premier third party industry report ranking 2010 sales of the top 500 American real estate companies, our network was responsible for 541,000 sales units — over 30 percent more than our closest network competitor.

2010 TOTAL HOME SALES UNITS FOR THE TOP 500 U.S. REAL ESTATE FIRMS

29% ®

10% PRUDENTIAL 184,600 UNITS

550 FIRMS 4,600 OFFICES 140,000 ASSOCIATES 30 COUNTRIES $225 BILLION IN ANNUAL HOME SALES

12% RE/MAX 218,600 UNITS 13% KELLER WILLIAMS 236,300 UNITS

LEADING REAL ESTATE COMPANIES OF THE WORLD® 541,500 UNITS

22% COLDWELL BANKER 415,500 UNITS

Source: REAL Trends Top 500 for 2010 production.

Q Q Q Q Q Q Q Q Q Q Q Q Q

Leading Real Estate Companies of the World® Coldwell Banker Keller Williams RE/MAX Prudential Independent (non LeadingRE) Century 21 ERA Better Homes & Gardens Realty Executives Real Living Sotheby’s International The Corcoran Group

LOCAL STRENGTH. GLOBAL POWERHOUSE. MAXIMUM EXPOSURE.

As an affiliate of the prestigious Leading Real Estate Companies of the World® network, we are proud that our organization produced more home sales volume in 2010 than any national real estate network, nearly $225 billion representing 800,000 transactions. Those connections make us a national and global — not just local — real estate company working on your behalf.

MORE U.S. HOME SALES VOLUME IN 2010 THAN ANY NATIONAL REAL ESTATE BRAND Volume shown in billions of dollars 250

$222

550 FIRMS 4,600 OFFICES 140,000 ASSOCIATES 30 COUNTRIES

Q Q Q Q Q Q Q Q Q Q

$176 $172

200

150

$117 100

$101 $96

$225 BILLION IN

Leading Real Estate Companies of the World

Leading Real Estate Companies of the World® Coldwell Banker RE/MAX Prudential Century 21 Keller Williams Sotheby’s ERA Realty Executives Better Homes & Gardens Real Living

ANNUAL HOME SALES 50

$53

$17

$6 0

* Actual member statistics for LeadingRE and estimates for other networks using average sales units per agent and average sales price for firms in each respective network from published sources for 2010 production.

ML S MA RKE T SHA RE M ICHIG AN

MICHIGAN

Market Share

The Market Leader for 2011

Michiana home buyers and sellers continue to trust Cressy & Everett Real Estate year after year. With a consistent customer satisfaction rate of 98%, our sales professionals are the top in the industry and ready to help you with your next move. Contact us today.

250 214

200 148

100

Represents closed listing and sales volume by millions

150 108

105

Company #5

Prudential Preferred Realtors

Company #4

Re/Max Modern Realty

119

Company #3

Keller Williams Realty SWM

Company #2

Re/Max Elite Group

Cressy & Everett Real Estate

Based on information from the Southwestern Michigan Association of REALTORS (alternatively, from the MLS of Southwestern Michigan) for the period Jan. 1 through June 30, 2011 Closed Listing and Sales Volume - Same company offices combined closed listing plus sales volume is reflected in totals. Totals include all property types and all real estate companies in the MLS source. Areas: Southwestern Michigan and St. Joseph County Michigan

ÂŠ Cressy & Everet t Real Estate July 2011

Water front Market Share -SWM I

Waterfront Leader

MORE WATERFRONT PROPERTY LISTED & SOLD IN 2010 THAN ANY OTHER REAL ESTATE COMPANY IN SOUTH WESTERN MICHIGAN. Cressy & Everett Real Estate sold 350% more waterfront property in 2010 than it’s closest competitor in total units, with over $25 million in volume.

2010 SWMI WATERFRONT LISTING & SALES - UNITS* 91 350% more sales

UnMatched Results.

Cressy & Everett Real Estate continues to lead the competition in Waterfront Property Sales in South Western Michigan. In 2010, we listed and sold 350% more waterfront property than our closest competitor, totalling over $25 million in volume. When you’re ready to buy or sell waterfront property, contact us for results.

Cressy & Everett Real Estate Coldwell Banker Weber-Seller Meredith & Kamp Keller Williams Realty SWMI Shores of South Haven

*Based on information from the Southwestern Michigan Association of REALTORS (alternatively, from the MLS of Southwestern Michigan) for the period Jan. 1 through Dec. 31, 2010. Closed Listing and Sales Units - Same company offices combined closed listing plus sales units is reflected in totals. Totals include WATERFRONT property types for residential & vacant land and all real estate companies in the MLS source. Areas: Southwestern Michigan which includes Berrien, Cass & Van Buren & St. Joseph Counties

cressyeverett.com/waterfront

Water front Market Share - C ass Count y M I

Waterfront Leader Cass County Michigan

MORE WATERFRONT PROPERTY LISTED & SOLD IN 2010 THAN ANY OTHER REAL ESTATE COMPANY IN CASS COUNTY, MICHIGAN.

Cressy & Everett Real Estate continues to lead the competition in Waterfront Property Sales in Cass county Michigan. In 2010, we listed and sold 350% more waterfront property than our closest competitor, totalling nearly $19 million in volume. When you’re ready to buy or sell waterfront property in Cass county, contact us for results.

2010 CASS COUNTY, MI WATERFRONT LISTING & SALES - UNITS*

Cressy & Everett Real Estate Susie Tucker Realty Coldwell Banker-Roth Wehrly Graber Michigan Lakes Team Homestead Realty Group

t t t t t t t t t t t t t t

Baldwin Lake Birch Lake Corey Lake Dewey Lake Diamond Lake Donnell Lake Eagle Lake Fish Lake Indian Lake Juno Lake Long Lake Long Lake Magician Lake Shavehead Lake

Find any lake property in SWMI at cressyeverett.com/waterfront

350% more sales

POPULAR CASS COUNTY LAKES OVER 200 ACRES IN SIZE

14 12

9 0

cressyeverett.com/waterfront

Regional Coverage and Growth St. Joseph est. 2010

Weâ&#x20AC;&#x2122;re thrilled to announce our newest location is now open in St. Joseph Michigan.

Dowagiac ounty Road 690 9 County st. 1998 est.

Dowagiac Spruce pruce Street st. 1993 est.

2800 Cleveland Avenue, Suite 2, St. Joseph, MI 49085 Phone 269-983-7550 Cressy & Everett offers regional exposure to home sellers that is unequalled in the market place. Our exclusive home marketing system includes mobile smart phone, print, television, yard signage, SEO & social network internet marketing.

ee Riverss Three est. 2001

Niles est. 2005 05

If youâ&#x20AC;&#x2122;re thinking of buying or selling a home, contact one of our sales professionals today.

Edwardsb Edwardsburg est. 1983 Mishaw wak ka a Mishawaka Clevela levela and d Road R Cleveland 19779 est. 1979

Elkhart est. 1980

B d South Bend N Ironwood Ironwoo N. est. 1948

Cressy & Everett Real Estate professionals service these markets. MICHIGAN Berrien County Benton Harbor Berrien Springs Bridgeman Buchanan Coloma Eau Claire Galien Niles Sodus Stevensville St. Joseph Watervliet

INDIANA Cass County Cassopolis Dowagiac Edwardsburg Jones Marcellus Sister Lakes Union Vandalia Van Buren County Decatur Hartford Keeler Lawton Sister Lakes

St. Joseph County Burr Oak Centerville Colon Constantine Leonidas Mendon Mottville Nottowa Sturgis Three Rivers White Pigeon

Elkhart County Bristol Dunlap Elkhart Goshen Millersburg Middlebury Nappanee New Paris Wakarusa

St. Joseph County Granger Lakeville Mishawaka New Carlisle Notre Dame Osceola South Bend Walkerton

cressyeverett.com

Interest Rates 1974 -2011

Interest Rates

Interest is the Lowest in Years.

Home buyers who are “on the fence” about buying a home should get moving now while mortgage rates are still low, housing is affordable and the cost of getting a mortgage is still within reason.

INTEREST RATE %

For expert advise on buying in today’s market, contact a Cressy & Everett agent today.

18 17 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1 0

18.4 %

13.9 % 11.2 % 10.3 % 9.1 % 8.3 % 7.4 % 5.8 %

5.1%

1974 YEAR

cressyeverett.com

1979 1981

1984

1989

1994

1999

2004

2011

It’s a Great Time to Buy! Ownership & The Market Every Market is Different Remember that all real estate is local and that all markets are different. There are opportunities out there for buyers if you’re willing to look. You are in the midst of a buyers’ market, and there hasn’t been a better time to buy in years! Benefits of Ownership Owning a home is the American dream. It not only allows for valuable tax benefits but it also provides shelter and security to families. Did you know: s When you own a home you can deduct the property taxes and mortgage interest from your income taxes? s The gains that you make on a primary residence that you’ve occupied for two years out of 5 can be tax free? s Dollar for dollar, the rate of return on an individuals cash down payment on a house is substantial? And that repeat buyers are able to put 19% more down on a new home due to appreciation? Housing Market Facts NAR (National Association of Realtors®) has created a new web site HousingMarketFacts.com to help consumers find out the latest information about the housing market and the issues that affect you, information specifically for buyers, how to do more research, and learn more about the benefits of home ownership. Home Ownership is an Investment in Your Future A Federal Reserve study has shown that the average homeowner’s net worth is 46 times the net worth of the average renter. The average homeowners’ net worth is $184,400 compared to $4,000 for renters. Every Market is Different Knowing how to negotiate in each market is how a Realtor® can turn your dream into a home.

cressyeverett.com Source - National Association of Realtors Cressy & Everett Real Estate Rev. 3-2011

It’s a Great Time to Buy! Loans & Mortgages Now is an ideal time to buy! In most markets prices won’t go any lower and there is an abundance of inventory. Inventory of homes for sale is at a 15-year high. There are many options out there for buyers and sellers who are willing to negotiate and work towards a win-win situation for both parties. FHA Loans Set to Increase There are many choices for buyers looking for mortgages in this market. One option, FHA home loans, are a viable alternative for many first time buyers. The Federal Housing Administration (FHA) - which is part of HUD - insures the loan, so your lender can offer you a better deal, offering low down payments, low closing costs, and easy credit qualifying. Visit hud.gov/buying/loans to find out about these loans. Mortgages are at Historically Low Rates For buyers who qualify, mortgage rates are near historical lows. They are hovering right around 5.1% for a 30year fixed mortgage with 0 points. Go to FreddieMac.com and look at the Primary Mortgage Market Survey® for more information on the latest rates. The Value of Your Investment Despite some contrary media reports and some moderate losses in value in the short-term, home values long-term have and will continue to rise. Real estate is a long-term investment. Over the past 30 years, the median price of existing homes has increased an average more than 6 percent every year, according to historical data from NAR’s existing home-sales series. Thanks to the power of leverage, a homeowner’s return on investment is even more impressive over time. Visit HousingMarketFacts.com to learn more. Every Market is Different Knowing how to negotiate in each market is how a Realtor® can turn your dream into a home.

cressyeverett.com Source - National Association of Realtors Cressy & Everett Real Estate Rev. 3-2011

Eight Years Straight. We’re honored to serve our great community. 2011

South Bend Tribune readers have voted Cressy & Everett Real Estate their favorite real estate company for the eighth year in a row. We’re honored to provide the people of this community with a personal experience that delivers the real results they deserve - year after year. Thanks Michiana.