Life and Homes Montgomery County by Stephen Lisi

Life and

Homes Montgomery County

Fall

Garden Tips

Free

October

2011

Home Inspection

What You Need To Know

Exclusive Home Listings Complete Real Estate Listing Directory @ LifeandHomes.com

Life and

Notes from the Editor

Homes

October, a time to reflect on the great times we had during the summer season, a time to take a look at where we are headed for the rest of the year, a time to formulate goals for the future.

Montgomery County Edition Published By Tack4 Solutions LLC.

For many of you October will be a time to look into a new house or a new addition to your present house. Maybe you’d like to invest in the current housing situation in order to take advantage of brighter times ahead. While we await the numbers for the end of the 3rd quarter we can look at 2nd quarter Montgomery County trends to see what’s going on out there. The average home on the market price increased during the year from $289,600 to $304,400. The number of homes sold increased from 1,160 in the 1st quarter to 1,950 in the 2nd. New homes being built went from 70 to 170. And the average days on the market fell from 109 to 98.

Publication Franchisor D avid P. Lisi Corporate Editor Kim Lisi Kim@lifeandhomes.com

Montgomery County Franchise

Al Fox , RMC

Real Estate Marketing Consultant 610-337-3260 • alfox@lifeandhomes.com

These numbers show there is movement in the industry. We are not at a standstill with regards to buying or selling market and it seems to be trending positive. The number of homes sold nearly doubled as well new homes being built has increased over 200%. We even see that it is taking less time to sell a house than it did in the beginning of the year. In addition we saw 1,442 new jobs in Montgomery County thereby decreasing the unemployment rate from 7.2% to 6.4%. And mortgage rates continued near 5%. All of this shows we may find consumer confidence in buying a home will increase and we’ll be more comfortable with looking at the market and making decisions on our big ticket lifestyle options.

So now that we have survived earthquakes, hurricanes, and floods going into the Fall season we can look forward to a somewhat brighter time heading into Winter. We are still very much in a buyer’s market and some of that will be with those who want to invest. Take for instance that the rental industry is increasing and we are seeing more and more people looking into rentals as an option to buying and they are willing to pay an increased amount in their monthly rent. If you buy a house, or housing unit, to rent out you could be looking at running your own business and still have to option to sell in the future.

Montgomery County, PA

Sitting down with your family to go over your current finances and goals during this season will better prepare you to really see how your goals can increase and be attainable. Write it all down so your mind can truly see it. Be aware of risks but don’t just dwell on the negative risks. There should be a number of positives too. And remember – “You’ll never plow a field by going over it in your mind.”

■

L i f e and H o m e s

Market AllYour Listin print /onlings e foras Lowas

The Most Affordable Way to Promote Your Listings Call 610-337-3260

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

$15

Al Fox

*Data above is taking from the Trend MLS market stats for Montgomery County, PA, 2nd quarter 2011.

Tell our participants that you saw their listing or advertisement in LifeandHomes™ magazine or on our website. And make sure to let us know what you think of our website, radio & video, and magazine. We will be very happy to hear from you!

Tack4 Solutions, LLC

P.O. Box 60267 King Of Prussia, PA 19406

610-337-3260

montco@lifeandhomes.com Account Executive E llen Fo x

ellenfox@lifeandhomes.com

RMC's (Real Estate Marketing Consultants) Al F ox Distribution

610-337-3260

Advertising Deadline November Issue October 7, 2011 610-337-3260 Corporate Office LifeandHomes Franchise, Inc. PO Box 18 Holland Patent, NY 13354

315-865-5845 Fax 1-315-865-7418 www.LifeandHomes.com For franchise information call, 1-800-961-0420 Life and Homes is published monthly by Tack4 Solutions LLC. Every effort has been made to ensure that home listings, advertisements and information are free of errors or omissions. The publisher does not guarantee the accuracy of the submitted information to Life and Homes Magazine and assumes no liability. This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly, from using the contents of this site. Copyright © 2011 Tack4Solutions LLC.

America's

Most Expensive

Home

Listed for a cool $175 million, The Jackson Land & Cattle property in Jackson Hole, Wyoming is America's most expensive home for sale. The ranch hosts a 3 bedroom main residence, a 4 bedroom guest house, and a 52 stall equestrian center on 1,750 scenic acres. John Pierce, broker with Hall and Hall describes it as a unique place comprised of rolling hills, productive meadows, fishing ponds and tremendous views. (HallHall.com)

newsShorts Modern homes can benefit from a new range of contemporary door styles with a range of bright colors, metallic finishes and opaque glass. Even the classic raised panel garage door style offers new looks and finishes that add elegance. GarageWowNow.com also includes details about the latest in garage door openers. If your opener was installed prior to 1993, you're missing out on some important safety features that provide protection from entrapment as well as battery backup, surge protectors to guard against voltage spikes or fingerprint-activated keyless entry pads (ARA) Join the Conversation: Go to www.facebook.com/ pages/LifeandHomes-Montgomery-County-PA to leave your thoughts on this and other articles.

Ultra Creative Garage Door Storage Replacement Offers High Payback A new garage door can add to the beauty of your home, while also providing a high level of payback - nearly 84 cents of every dollar spent on the replacement - when it's time to sell.

Storage space at a premium? You might want to consider this clever idea. Hidden in sturdy stairs, the drawers offer about two square feet of storage per stair, ideal for seasonal or hobby items. (Source: Houselogic.com)

One in four homeowners say that at one time or another, they have attempted to reduce their property taxes by challenging the tax-assessed value of their homes. And the majority who did so say that they were successful in lowering their tax bills, according to a nationwide survey by FindLaw.com. As home values have declined as a result of the housing crisis, some homeowners feel that the tax-assessed value of their homes -- which is the basis for calculating their property taxes -- may not accurately reflect actual market conditions. Homeowners may file an appeal or challenge with their local tax authority in hopes of reducing their assessments, and in turn, their property tax bills. According to the FindLaw.com survey, 24 percent of homeowners say they have challenged their assessments at some point during their home ownership. When a challenge was filed, survey respondents said it was successful in lowering their property tax bills in approximately threequarters of those instances. Most often, the net reduction in their annual property tax bills was between 1 and 4 percent. Free Internet resources, such as FindLaw.com's Real Estate Center (realestate.findlaw.com/taxeshome-ownership), can provide helpful information on how property taxes are determined and tips on how to challenge property tax valuation.) Join the Conversation: Go to www.facebook.com/ pages/LifeandHomes-Montgomery-County-PA to leave your thoughts on this and other articles.

www.Life and Homes .com

L i f e and H o m e s

Property Taxes

â&#x2013;

Visit GarageWowNow.com, a non-commercial home improvement website dedicated to garage doors and garage door openers. There you will find dozens of photos of the latest in new garage door styles. Those include carriage house doors one of the most popular styles on the market today.

Challenging

October

In addition to providing a great ROI, a stylish new garage door can add to the beauty of your home. If you have a front-facing attached garage, a new door adds instant curb appeal.

Homeowners

newsShorts

What You How to Keep Should Know Your Water About Strategic Home Repairs Heater Healthy: Default For When Join the Conversation: Go to www.facebook.com/ pages/LifeandHomes-Montgomery-County-PA to leave your thoughts on this and other articles.

If you owe more on your home than its current market value, you may feel tempted to walk away from a bad investment, even if you can afford to make the monthly mortgage payment. But global information services leader Experian says when considering strategic default, you should keep several factors in mind:

* Defaulting on your mortgage is the second most damaging thing you can do to your credit, even if you continue to pay your other bills. Only bankruptcy will affect your credit score more adversely than foreclosure. * Foreclosure remains on your credit report for seven years. During that time, securing other credit at reasonable terms and rates will be very difficult, if not impossible.

Montgomery County, PA

* Potential employers are looking at credit reports. In fact, 60 percent now check applicants’ credit reports, according to an article in the Washington Times. By impacting your credit, a strategic default may affect your ability to get a job. * Last year, Fannie Mae, the government-controlled mortgage giant, said it would implement a policy to prohibit strategic defaulters from getting a new Fannie Mae backed mortgage for seven years from the date of foreclosure.

L i f e and H o m e s

■

* Finally, in some cases, the debt that foreclosure "erases" may be recorded as income, which means you will have to pay taxes on it. To learn more about credit management, credit reports, credit scores and the factors that affect them, visit www.Experian.com. (ARA) 4

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

Kids Head Back to School

As your family heads back to school, take some time to complete a few simple home repairs. Doing your ”home”-work projects now will allow you to spend more time with your family and less time fixing, cleaning and repairing things this fall. After a summer full of outdoor fun, it’s time to tidy the yard before winter comes. Clean and safely place any outdoor furniture in storage. Once the furniture is put away, give your deck or patio a good power washing. While you’re outside, check your driveway and patch any cracks or potholes that may have resulted from the summer heat. Install a remote thermostat. With the kids back in school, your home may now be unoccupied for a large portion of the day. Lowering your thermostat while the family’s away can provide substantial cost savings. A programmable thermostat will allow you to create custom temperature settings for the hours you are home and away. Some models, like the AccuLink(TM) Remote Thermostat from American Standard Heating & Air Conditioning, allow you to set and control your home’s temperature remotely using most Web-enabled cellphones and computers. (ARA) Join the Conversation: Go to www.facebook.com/ pages/LifeandHomes-Montgomery-County-PA to leave your thoughts on this and other articles.

* Flush your water heater regularly to remove sediment, which hampers efficiency. * Insulate exposed hot-water pipes. * Wrap your older water heater with an insulating blanket to reduce heat loss. * Set your water heater at 120-140 degrees, or halfway between low and medium. * Check the anode rod every three years.

Join Us Weekly

Entertaining TV Show about Life and Home On Demand Video at www.LifeandHomes.com Click on Video Channel

• Tips and Services • Home Video Tours • Home Improvements • Interesting Family Life • Interviews

Hosted by

Jill Hayes

TV & Video Channel

Main Line Phoenixville

Michael Brango Phoenixville - $174,900

Townhouse Living at it’s Best! Close to growing downtown with great places to shop and eat.ThisTH has a Large Living Room with Fireplace and large Dining area. Sliders off the dining room open onto a 10 X 10 covered patio overlooking a fenced yard . QSN#42369

Phoenixville - $379,900

FantasticToll Brother’s carriage home in the gated Rivercrest golf community.ThisVillanova model has just about every possible upgrade: Hardwood flooring entire first floor, recessed lighting throughout, upgraded lighting fixtures, gas fireplace in the great room & master bedroom. QSN#74758

Phoenixville- $299,900

Rarely Offered! Exciting New Construction Single in Phoenixville Borough under $300K! Many Upgrades! Standard Features Include 3 Bedrooms, 2 1/2 Baths and a Full Unfinished Basement withWalk-Out Bilco Door System! Dramatic First Floor Open Floor Plan Concept with 9ft Ceilings and Recessed Lighting! QSN# 119322

(O) 610.935.3200 (D) 610.457.8539 www.michaelbrango.com When you choose Mike Brango, RE/MAX Associate, to sell your home or help you purchase a new home, you’ll experience a whole new level of personal service. “In my mind the only thing that matters is the happiness of my clients, that is why I live by the motto, ‘Clients First.’ So if you are like me and believe customer service is the first

Phoenixville - $178,500

Phoenixville - $154,900

Phoenixville- $147,900

priority, then we need to speak, so give me a call.”

Kitchen With NookBar, Fully Carpeted, Tile/ Brick Flooring, Vinyl Flooring, Wood Flooring, 9Ft+ Ceiling, Elevator, Sprinkler System, Main Floor Laundry, Electric Cooking, 1 Full Bath on Main Floor, Master Bedroom is on Main Level. QSN#119324

Interior Features KitchenWith NookBar, Fully Carpeted, Tile/Brick Flooring,Vinyl Flooring,Wood Flooring, 9Ft+ Ceiling, Elevator, Sprinkler System, Main Floor Laundry, Electric Cooking , 1 Full Bath on Main Floor, Master Bedroom is on Main Level. QSN#119325

Pennsylvania Real Estate in Chester, Montgomery & Delaware Counties

Phoenixville - $147,900

Phoenixville - $144,900

Phoenixville - $142,900

Phoenixville - $139,900

Phoenixville - $119,900

Fantastic bargain for a great ranch home minutes from major arteries.This home is close to Downtown Phoenixville and Upper ProvidenceTown Center. A little updating can go along way in building equity in this home. QSN#119323

Interior Features - KitchenWith NookBar, Fully Carpeted, Tile/Brick Flooring,Vinyl Flooring,Wood Flooring, 9Ft+ Ceiling, Elevator, Sprinkler System, Main Floor Laundry, Electric Cooking, 1 Full Bath on Main Floor, Master Bedroom is on Main Level. QSN#119326

October

Interior Features,KitchenWith NookBar, Fully Carpeted, Tile/Brick Flooring,Vinyl Flooring,Wood Flooring, 9Ft+ Ceiling, Elevator, Sprinkler System, Main Floor Laundry, Electric Cooking, 1 Full Bath on Main Floor, Master Bedroom is on Main Level. QSN#119333

Interior Features, KitchenWith NookBar, Fully Carpeted, Tile/Brick Flooring,Vinyl Flooring,Wood Flooring, 9Ft+ Ceiling, Elevator, Sprinkler System, Main Floor Laundry, Electric Cooking, 1 Full Bath on Main Floor, Master Bedroom is on Main Level. QSN# 119334

Interior Features:Walk Up Attic, Eat In Kitchen, Main Floor Laundry, Electric Cooking, 1 Full Bath on Upper Floor, Master Bedroom is on Upper Level, Second Bedroom is on Upper Level,Third Bedroom is on Upper Level, Fourth Bedroom is on Upper Level. QSN# 119335

www.Life and Homes .com

L i f e and H o m e s

■

Play It Cool

In Your Fall Garden

If you think the end of summer means your vegetable gardening days are done, you'll need to reconsider. The weeks when summer fades into fall are actually an opportune time to plant cool-weather crops. Fall is a great time of year for planting vegetables. Some of nature's most nutritious greens and veggies thrive in cooler temperatures. Planting them now, at summer's end, can ensure a bountiful fall harvest. Plus you'll save a bundle by avoiding the produce aisle in your grocery store for a few more months. The sunny, cooler weather of autumn is perfect for many vegetables. With increased rainfall and temperatures ranging between 60 and 80 degrees in the day and higher than 40 at night, your plants suffer less, increasing your likelihood of good harvest. You can even cope with frost; some hardy vegetables can thrive without frost protection, and covering less resistant plants when frost threatens can keep them thriving.

Montgomery County, PA

The secrets of successful fall planting don't differ much from the techniques you've used during high season. Cool crops will need at least six hours of sun daily, ample water and a steady supply of much-needed nutrients. You can get a jump-start by planting transplants. Seed germination of cool crops during late summer requires much attention to detail. Transplants are a quicker, easier route to ensure success.

L i f e and H o m e s

â&#x2013;

Bonnie Plants, the largest producer of vegetables and herbs in North America, offers some quick tips for picking the right plants for your fall garden: * Choose fast-growing, leafy cool crops like broccoli, Swiss chard, lettuce, kale, spinach, collards and arugula. Leafy vegetables are actually 6

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

harder to grow in the summer, when the heat can cause them to "bolt," forming flowers and seeds. Bolting leaves edible portions tasting bitter. You could choose to plant two rounds of these vegetables, in spring and again in late summer. * Don't delay. Ideally, you should plant your fall crops before the end of August, although if you miss that window, it doesn't mean you can't still have a successful fall harvest. It just might take more time and ingenuity. * Pick a place. Your existing garden is the perfect place to plant cool weather crops. Remember, frost flows downhill like water, so spots at the top of a slope or in south-facing locations will remain warmest. * You can also plant your fall crops in raised beds, which are easy to cover when frost threatens, or in pots that can be brought inside when temperatures dip too low. * Know how they grow. Pay close attention to "days to maturity" information listed on plant tags. You'll want to give plants enough time to produce before killing frost arrives. * Good gardening practices will get your fall garden growing. Loosen soil before you plant and mix in some all-natural fertilizer, like Bonnie Plants Herb and Vegetable Plant Food. Made from soybean oilseed extract, this food contains 150,000 nutritional and vital organic compounds

including vitamins, minerals, amino acids, proteins, enzymes, plant hormones and carbohydrates, it's an excellent source of nutrition in home gardens. Consider these popular plants from Bonnie: Packman Broccoli - This hardy vegetable develops best during the cool season. It matures in 45 to 55 days and has large, bright green, mildly flavored domed heads. Plant transplants 18 inches apart in rows 30 inches apart. Top Bunch Collards - This hybrid is heavy yielding, early maturing, and more uniform than traditional varieties. The leaves are upright, broad, and a beautiful, waxy, deep green. These collards grow best in full sun, but will tolerate partial shade. Like all collards, they are rich in vitamins and sweetened by frost. Space transplants 36 inches apart in rows 36 inches apart. Spinach - A cool-weather vegetable related to beets and Swiss chard, Bonnie's Spinach is a fast-growing plant. It yields many leaves in a short time in fall. Although it prefers full sun, spinach is one of the few vegetables that produce a respectable harvest in partial shade. With some advanced planning, active attention, and the right choice of plants, you can continue to enjoy your garden and fresh, flavorful produce, long after the dog days of summer are done. To learn more about cool season varieties and helpful hints on getting your garden growing, visit www.bonnieplants.com. (ARA)

C A R P E T

F L O O R I N G ,

S A L E S

I N S T A L L A T I O N

RESIDENTIAL • COMMERCIAL • CUSTOM DESIGN

Earl L. Harrison, IV CFI & Karastan Certiﬁed On Site Estimates by Appointment Only

610.996.2589 elhcarpets@comcast.net

Office Space Available

Lonesome J’s Catering

618 Swede Street Norristown, PA

“Simple Food at a Simple Price”

610-721-3469

lonesomej@comcast.net www.freewebs.com/kowalgroup

Restored Professional Office Space Furnished Offices, Conference Room. Off Street Parking!

Licensed & Certified Montgomer y County Health Department

www.Life and Homes .com

L i f e and H o m e s

Our Famous Cheesecakes are Served at Dolce Vita Restaurant & Salvi & Friends Pub

■

Cheesecakes Made to Order

October

610-277-4868

Hot Buffet Specials • Catering for All Occasions

Montgomery County, PA â&#x2013;

L i f e and H o m e s

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

Secrets of a Solid

Home Inspection Selling, buying or just putting a house on the market may raise many questions. Can I get a good price? Are there any problems I should fix prior to listing my house? If I buy this house, will I encounter problems that may make me regret my decision? The sale price of a house depends on many factors, including the market, location, size of the property, age of the house, condition of the structure, what appliances might be included in the sale and even how nicely the property and building were landscaped and decorated - just to name a few. Having a qualified professional inspect your house prior to putting it on the market - or for prospective buyers, before closing on a sale - can help guide your decision. But many homeowners and prospective buyers are unsure what's included in a standard home inspection, according to the American Society of Home Inspectors (ASHI). A qualified home inspector will review these aspects of a property: * Roof, attic and visible insulation * Foundation, basement and structural components * Walls, ceilings and floors * Heating and central air conditioning systems * Windows and doors * Water fixtures and faucets * Decks

Not all home inspectors are certified and licensed. ASHI's "Find an Inspector" tool allows homeowners to locate an inspector in their area. Always check with your local inspector for a complete list of services provided. "It's important for homeowners to do their homework before hiring an inspector," says Kurt Salomon, ASHI president. "Look for a home inspector certified through the ASHI Certified Inspector Program, which is the only home inspection association program approved by the National Commission for Certifying Agencies."

Hiring a certified home inspector and having questions answered before putting your house up for sale - or before finalizing a purchase price - can not only help save money, but also allow you to go through the process with more peace of mind. (ARA) www.Life and Homes .com

L i f e and H o m e s

Before hiring a home inspector, inquire about what is covered in the inspection and ask to see a sample report. Although some inspectors provide ancillary services, it may be necessary to consult a specialist for concerns that extend beyond a standard inspection. Often your inspector will help you make this determination.

â&#x2013;

The following elements are not included in a standard home inspection: * Septic system * Electrical wiring and plumbing that is not readily accessible (for example, behind drywall or plaster)

* Water conditioning or softening system * Swimming pool * Backyard fences * Lawn irrigation system * Household appliances * Compliance with local codes * Appraisal to determine market value

October

Nearly two out of three homeowners recently surveyed by ASHI reported they saved a lot of money as a result of having a home inspection during the selling/buying of a house. Sellers use inspections to help determine potential problems that can be repaired or replaced prior to listing - potentially getting them a higher sale price. And buyers use the inspections to determine if they want to invest in the property, or help negotiate for a better price that would

include the repair and replacement of potential problems.

Montgomery County, PA â&#x2013;

L i f e and H o m e s

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Open Market Listing Service™ Norristown

LifeandHomes.com

$140,000

Phoenixville

$147,900

1501 Dekalb Street

133 Prospect St #202

Residential./Commercial

1 Bedrooms / 1.0 Baths

Mary Beth Van Trieste • 610-805-0119

Michael Brango • 610-935-3200

Century 21 Alliance-Audubon Agent • c21marybeth@aol.com

Visit www.LifeandHomes.com Type in Quick Search #119336

Norristown

RE/MAX Main Line-Phoenixville Realtor • mbrango@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #119325

$175,000

Phoenixville

$154,900

24 S Trooper Rd

131 Prospect St #105

Residential./Commercial

1 Bedrooms / 1.0 Baths

Mary Beth Van Trieste • 610-805-0119

Michael Brango • 610-935-3200

Century 21 Alliance-Audubon Agent • c21marybeth@aol.com

Visit www.LifeandHomes.com Type in Quick Search #119337

Norristown

RE/MAX Main Line-Phoenixville Realtor • mbrango@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #119324

$300,000

Phoenixville

$147,900

133 Glenn Oak Rd

133 Prospect St #204

3 Bedrooms / 2.5 Baths

1 Bedrooms / 1.0 Baths

Mary Beth Van Trieste • 610-805-0119

Michael Brango • 610-935-3200

Century 21 Alliance-Audubon Agent • c21marybeth@aol.com

Visit www.LifeandHomes.com Type in Quick Search #119339

Phoenixville

RE/MAX Main Line-Phoenixville Realtor • mbrango@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #119326

$299,900

Phoenixville

$147,900

411 Franklin Ave

133 Prospect St #201

3 Bedrooms / 3.0 Baths

1 Bedrooms / 1.0 Baths

Michael Brango • 610-935-3200

RE/MAX Main Line-Phoenixville Realtor • mbrango@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #119322

Phoenixville

RE/MAX Main Line-Phoenixville Realtor • mbrango@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #119327

$178,500

Phoenixville

$147,900

118 Hasson Rd

133 Prospect St #203

3 Bedrooms / 1.0 Baths

1 Bedrooms / 1.0 Baths

Michael Brango • 610-935-3200

RE/MAX Main Line-Phoenixville Realtor • mbrango@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #119323

RE/MAX Main Line-Phoenixville Realtor • mbrango@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #119328

October ■

www.Life and Homes .com

L i f e and H o m e s

Montgomery County, PA â&#x2013;

L i f e and H o m e s

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Make Your First Home Purchase Dream a Reality Buying a home is more than numbers, dollars and cents. The pride of owning your own home is an incredible feeling, providing a place for you and your family to come together and build memories. For many, getting through the process of buying a home can be daunting, if not downright frightening. Talk to anyone considering buying a home for the first time, and many will say the same thing: "There's so much information - I don't know where to start or where to turn for answers. It's overwhelming." With all the potential pitfalls out there, it's key to arm yourself with the right tools to help you navigate the intricacies of the home buying process. Getting the right information and help along the way will make this milestone purchase easier and hassle-free.

Knowledge is Power While partnering with a real estate agent and knowledgeable mortgage lender will go a long way towards home buying success, empowering yourself is also important. You are not alone, but you're also your own best advocate.

Real-ing and Dealing Partnering with a real estate agent can help make the process of buying your first home more efficient and hassle-free. A real estate professional will help you assess your needs and wants in a home, and then utilize that information to narrow the field of available homes in your price range to a manageable pool. Well-versed in the local area, a real estate professional can help ensure you're getting a better price, will negotiate on your behalf, and can protect your rights as a homebuyer. Your agent also may be able to make mortgage lender recommendations.

Some things to consider when selecting a mortgage lender: Will I be supported from application to closing - and beyond? Are there application fees? How quickly will I have a decision on my application? What type of mortgage should I choose? Does my mortgage provider service their own loans, or can they be sold to another institution later? Does my mortgage provider have a strong customer service focus, so I can ensure my needs are being met? The answers to these questions will help you forge the right partnership with the right mortgage lender. There's nothing to fear about buying your first home if you're an educated consumer who finds the right real estate and mortgage team to help you make your dreams come true. So get out there and find your dream home! (ARA)

Find a Financial Partner, Not Just Mortgage Rates Like buying a home, choosing a mortgage provider is about more than terms and rates - it's about finding a company that has the knowledge to help you succeed.

October

"Find a lender who is also your financial partner," says Mike Copley, executive vice president, retail lending at TD Bank. "Your mortgage advisor should work with you to find the borrowing solution that's right for you, and make the experience as straightforward and hassle-free as possible. Your lender's commitment to you shouldn't end with the closing of your loan." www.Life and Homes .com

L i f e and H o m e s

â&#x2013;

Learn about the neighborhoods where you might want to live, and think about your day-to-day lifestyle when deciding what area - and type of home - is right for you. Take a home buyer education course - they're often free and will help prepare you for the home buying process. The U.S. Department of Housing (www.hud. gov), NeighborWorks America (www.nw.org), and the National Foundation for Credit Counseling (www.nfcc.org) are all great resources for further education on buying a home. Or you can check with your bank - some, like TD Bank, offer sites

that provide one-stop shop info on buying your first home.

Handling Everything From

Blue Ocean

Beach to Bay

Realty

(609) 522-4400 • (609) 522-9412

North Wildwood $349,000

North Wildwood $239,900

Wildwood

WATERFRONT LOT located Otten’s Canal. The lot is suitable for the construction of a single family home. QSN# 70471

This beach block condo located in North Wildwood is just steps away from the beach and boards. QSN# 119340

This beautifully decorated condo is located

N. Wildwood

$215,000

Enjoy the ocean views from this cozy two bedroom, one and a half bath condo located in the Anglesea area of North Wildwood.

Montgomery County, PA

QSN# 119342

N. Wildwood

$499,000

This condo consists of two bedrooms, one full bath, living room, dining area and galley kitchen. QSN# 119343

$220,000

in Wildwood and is in walking distance to the beach and boardwalk.

QSN# 119341

N. Wildwood

$115,000

Golden Tiara Condominiums are located just two short blocks to the beach and boardwalk in North Wildwood. QSN# 119344

Colleen Wilson Broker Associate

Cell: (609) 602-2008 Email: colleen-wilson@comcast.net

■

L i f e and H o m e s

4701 New Jersey Ave Wildwood, NJ 08260

www.BlueOceanRealty.com www.FromBeachToBay.net For more information on any of these homes, go to www.LifeandHomes.com and type QSN # in the search box. 14

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Open Market Listing Service™ Phoenixville

LifeandHomes.com

$147,900

Phoenixville

$142,900

133 Prospect St #205

133 Prospect St #207

1 Bedrooms / 1.0 Baths

Michael Brango • 610-935-3200

RE/MAX Main Line-Phoenixville Realtor • mbrango@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #119329

Phoenixville

RE/MAX Main Line-Phoenixville Realtor • mbrango@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #119333

$144,900

Phoenixville

$129,900

131 Prospect St #103

37 Franklin Ave

1 Bedrooms / 1.0 Baths

3 Bedrooms / 1.0 Baths

Michael Brango • 610-935-3200

RE/MAX Main Line-Phoenixville Realtor • mbrango@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #119330

Phoenixville

RE/MAX Main Line-Phoenixville Realtor • mbrango@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #42372

$144,900

Phoenixville

$139,900

131 Prospect St #104

131 Prospect St #107

1 Bedrooms / 1.0 Baths

Michael Brango • 610-935-3200

RE/MAX Main Line-Phoenixville Realtor • mbrango@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #119331

Phoenixville

RE/MAX Main Line-Phoenixville Realtor • mbrango@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #119334

$144,900

Phoenixville

$119,900

131 Prospect St #101

333 Church St

1 Bedrooms / 1.0 Baths

4 Bedrooms / 1.0 Baths

Michael Brango • 610-935-3200

RE/MAX Main Line-Phoenixville Realtor • mbrango@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #119332

Phoenixville

RE/MAX Main Line-Phoenixville Realtor • mbrango@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #119335

$174,900

Trooper

$225,000

416 Heckle St

127 Colonial Ave

3 Bedrooms / 2.5 Baths

3 Bedrooms / 1.5 Baths

Michael Brango • 610-935-3200

Mary Beth Van Trieste • 610-805-0119

RE/MAX Main Line-Phoenixville Realtor • mbrango@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #42369

Century 21 Alliance-Audubon Agent • c21marybeth@aol.com

Visit www.LifeandHomes.com Type in Quick Search #119338

October ■

www.Life and Homes .com

L i f e and H o m e s

LAW OFFICES OF

PAUL J. STACOM P: 267-496-0358 • F: 610-277-2512 • E: Stacomlaw@aol.com www.DivorceinPennsylvania.com • www.PhiladelphiaAccidentLawyer.net

Free Initial Consultation • Divorce • Property Division • Alimony • Child Support • Child Custody • Protection from Abuse

• Automobile accidents • Slip and Falls • Wills • Power of Attorney • Living Wills

L i f e and H o m e s

■

Montgomery County, PA

6 Office Locations: Philadelphia, Bala Cynwyd, Exton, King Of Prussia, Plymouth Meeting And Radnor

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

5 S. Boro Line Road, Brid

Suburbia Seafood H S E E R F FOO ST SEA

135 S. Boro Line Road, Bridgeport, PA 19406

(610) 265-7426

AROUND

Store Hours: Monday – Closed Tuesday, Wednesday & Thursday ~ 9am – 6pm Friday ~ 9am - 7pm Saturday ~ 9am - 6pm Sunday ~ 10am – 3pm

Exceeding Your Expectations

www.Life and Homes .com

L i f e and H o m e s

■

gordy@gm-electric.net

October

484-571-4088 (P) 610-454-0493 (F)

• 24 Hour Emergency Service • Commercial/Residential • Tenant Fit Outs • Retail Stores/Service • Pole Lighting Service • Tennant Improvements

Ask the expert Questions? LIVE CHAT with a Local Business Expert! Go to www.LifeandHomes.com, select your category and click on Live Chat.

Electrical G & M ELECTRICAL CONSTRUCTION, LLC 484-571-4088 Commercial/Residential Exceeding Your Member Since 02/11

Expectations! 24 Hour Emergency Service / Commercial/Residential / Tenant Fit Outs / Retail Stores/Service / Pole Lighting Service / Tennant Improvements. gordy@gm-electric.net

Exterior Finishing

Flooring

Pools

EARL HARRISON CARPETS 610-996-2589 Serving Southeast Pennsylvania and the Tri-State 610-275-7280 areas. We supply expert installation of carpet and Member Since 01/11

Landscaping

Member Since 01/11

areas we have been in the Property Maintenance & Landscaping business for over 20 years and we know lawns. A quick phone call will set us up to give you an on-site estimate and schedule for your home’s needs.

Pets DOGGIE DOOERS 610-326-9835 Dog waste removal service.

Member Since 01/11

Montgomery County, PA

analysis, summerize, parts, pumps, pool renovations, games, ﬁlters, chemicals, covers.

DAVID / RANDALL ASSOCIATES INC 215-256-7950 Enhancing commercial roofs for over 20 years 1-800-799-ROOF through extraordinary performance. Licensed Member Since 01/11

Installation & Service Applicator of major roofing systems. 24/7 Emergency service. Roof Inspection Service. GREEN Applications. OSHA Approved.

Advertise

H&H SYSTEMS INC 610-495-5688 Fire Protection * Security * Access Control * CCTV Backflow Preventers, Building Fire Alarm, Camera & Surveillance, CO2 Systems, Fm-200 Systems, Gate/ Parking Solutions, Nicet Certified, Pre-Engineered Systems, Put Muscle In Your Fire Protection.

Member Since 01/11

Roofing

LONESOME J’S LANDSCAPING 610-721-3469 Serving the Montgomery County and nearby

Fire Protection

SPLASH-A-WAY POOLS Pool Maintenance & Supplies ; Winterize, water 610 489 6040

floors and are certified in CFI and Karastan flooring. For all of your Residential and Commercial needs give us a call today for a quick on-site estimate!

MCBRIDE PLASTERING 610-656-7187 Serving the Delaware Valley area since 1998. Specializing in Stucco Walls with fine detail and design. We are also experts with stone walls and facing. Call today for all your new design needs as well as restorations and renovations!

LIFEANDHOMES™ 610-337-3260 To advertise your business in this space and be a part of Montgomery County’s ever growing Home Service Network, give us a call and join the LifeandHomes™ community!

Affordable Advertising

■

L i f e and H o m e s

live ChaT

LifeandHomes Media ™

Print • Online • Radio • video Channel

Call Al Fox

610.337.3260 • www.LifeandHomes.com 18

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Mary Beth Van Trieste 610-805-0119

theredhead@century21.com asktheredhead.net

2828 Audubon Village Dr Audubon, PA 19403-2262 ALLIANCE

610-666-0202

Norristown

$140,000

Norristown

$175,000

Trooper

$225,000

Norristown

$300,000

This is a mixed use property - 2 apartments, each 1 bedroom with kitchen, dining room and living room and both currentlky rented. Bottom floor is an office. Off street parking, basement for storage, central air,. Seller is MOTIVATED. QSN # 119336

WOW - talk about pride of ownership! This lovingly maintained home is an absolute move in condition. Upper level - large master and 2 ample sized bedroom with matching drapes yes, they are staying. QSN # 119338

Zoned Light Commercial (call agent for information) many businesses allowed. Great lot, terrific location and the garage is perfect for storing many things, including large trucks. Being sold “as is”. QSN # 119337

Are you looking for new construction without the price tag? This is it - total rehab this year. NEW kitchen, oak cabinets and granite counters, NEW appliances. NEW Red Oak hardwood flooring in Living room and dining room. QSN # 119339

Sound

Legal Advice

Mark ryan Attorney at Law www.Life and Homes .com

L i f e and H o m e s

610.277.4868

■

621 Swede St, Norristown, PA

October

• General Civic Practice with Concentration on - Real Estate - Estate Planning and Administration • Approved Attorney for Conestoga Title Insurance • Serving Montgomery & Chester County Communities for over 30 Years

McBride Plastering Making Your Exterior Beautiful

L i f e and H o m e s

■

Montgomery County, PA

• New Construction • Reface/Restore older stucco home renovations and additions • More than 26 years experience in the business • Fully licensed & insured

McBride Plastering Inc. Stucco & Plastering 20

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Serving the Delaware Valley since 1998

610-656-7187