Professional Documents
Culture Documents
You can increase your purchasing power by talking with your neighbor, Brian Collins, about opening a home equity line of credit at
First Financial Bank today.
The best thing about a home equity line of credit is that it’s ready when you decide to make an important purchase. No need to go to
the bank or call anyone for approval.
Credit card access … A home equity account provides you with a Gold MasterCard and special checks so you will have a variety
of access to your line of credit. It’s the perfect way to increase your purchasing power and write your own loan, saving you time and
travel.
It’s easy … You’ll find the process takes very little of your time.
Now is the perfect time to check out the possibility of using the equity in your home. For more information, just stop in today at the
Liberty Crossings banking center (7237 Cincinnati-Dayton Road in front of the Kroger store). Or call your neighbor, Brian Collins, or
Maria Kennedy at 513-346-3740.
Brian and Maria look forward to helping you be successful in turning your wishes into reali-
ties.
Brian Collins
RBC Assistant Vice President/Manager
First Financial Bank, NA
6945 South Liberty Way
Liberty Township, OH 45044
P 513-346-3743
F 513-755-3317 brian.collins@bankatfirst.com
Graeme George
GCGeorge@Roadrunner.com
Women’s Bible Study Here In Dutchland Call Jack Today for a quote on your car and
Woods home! Neighborhood Referrals!
Come Join The Ladies From Your “Dave and I save money with Jack”! Brenda
Neighorhood on Tuesdays at 7 pm at The
White House Jack Lewis Insurance
We will be starting the study 8585 Mason Montgomery Rd
Mason, Ohio 45040
Living Victoriously in Difficult Times Office: 513-229-8928
Bring a snack if you would like, I am focus- Fax: 513-842-4361
ing more on healthy snacks, but any snacks Cell: 513-505-7654
are welcome. jacklewisinsurance@yahoo.com
Jack Lewis,
For more information please contact: “Advice...not simply insurance”
Agent
Kim Rogers at: kimbr@fuse.net Auto-Home-Life-Health/Medicare-Business/Benefits
759-2094
Page 7
3.
4.
Take
advantage of
This was a great view provided to us by Graeme George. the warm
Thanks Graeme for being concerned and keeping us all up to date!
weather to
meet your
neighbors this
season!
P a g e 6
Following are a few myth busters (selected myths/facts provided The Realty Corner) about working directly with the builder,
but without the benefit of working with a Realtor.
MYTH: The Builder will discount the price if I don’t have a REALTOR®.
FACT: In most cases, the agent is paid through the seller’s fees. Generally in new construction, the builder has already
anticipated this cost. If you work with a builder without the guidance and representation of a REALTOR®, you’re likely
paying for real estate services without reaping the benefits. Why put yourself at such a disadvantage? And although most
think that working with a REALTOR® may cost them money, for a homebuyer, these services are free.
MYTH: Buying directly from the builder will be hassle-free.
FACT: There will be many things to consider when purchasing a new construction. As you walk through a model home
everything may seem straight-forward. However, the process of building, financing and inspecting your new home may
not be as clear as you anticipated. You’ll benefit from REALTOR® services: to interpret builder jargon, contract lan-
guage, advise you on inspections and contingency deadlines, and even help show you how your option choices can add
value to your new home.
MYTH: This is the price of the home I see is the price I will pay.
FACT: Not always. Many model homes have upgrades. These upgrades, or options, (such as hardwood floors or granite
countertops) are attractive to most buyers. However, many prices advertised don’t include the options you see in a model
home. If you’ve fallen in love with the ceramic tile in the foyer, make sure to find out if the tile is included in your total
price or how much extra it will be to upgrade. A REALTOR® can help you choose the options that you want and guide
you in making selections that also add lasting value to your new home.
MYTH: REALTOR® services will not help me when purchasing a new home.
FACT: The builder has to develop every parcel of land owned in order to make a return on investment. This may mean
trying to sell you a lot that may not be the best option for your needs, or a lot that may be difficult to resell later. A
REALTOR® walks the lot with you, goes through the house or plans, and can recommend ideas to you may help you
choose the lot and house plan that best suit your needs. A REALTOR® will negotiate terms, pricing, and builder conces-
sions, and monitor inspections and contract contingencies throughout the building and closing processes. Your REAL-
TOR® is your advocate, from foundation to the final walk-through.
MYTH: The sales agent at the model home works for me, too.
FACT: Although they may be warm and friendly, the sales agents you meet when touring model homes work for the
builder, not you. Their interest is in negotiating the most profit on the houses they sell. You need a REALTOR® you
know is representing your interests.
MYTH: The builders contractors and representatives monitor the construction process to ensure my specifications and
timelines are met.
FACT: An inspector who will go to the site at predetermined intervals to insure that you are indeed getting what you
pay for and to make sure that the builder keeps maintains standards and meets or exceeds building codes.
MYTH: Any Real Estate Agent can assist me.
FACT: All real estate licensees are not the same. Only real estate licensees who are members of the NATIONAL ASSO-
CIATION OF REALTORS® are properly called REALTORS®. REALTORS® are committed to treat all parties to a
transaction honestly. REALTORS® subscribe to a strict code of ethics and are expected to maintain a higher level of
knowledge of the process of buying and selling real estate. Not all REALTORS® and agents are experienced in new con-
struction. As a REALTOR® with plenty of new home experience, I also offer specialized services and resources for new
home buyers, including financing, closing and title services, concierge benefits, extended home warranties and home in-
surance products.
If you are considering new construction, please call me. A solid plan and experienced representation can make a tremendous
difference when building your dream home.
Your Neighborhood Realtor Brenda Swigert, e-PRO Relocation Realtor ReMax Unlimited
brendaswigert@gmail.com direct: 513-378-14611 Follow me on Facebook and Twitter!
P a g e 7
ORDER YOUR
GRADUATION
ALBUMS
NOW!
SMALL-$20.00
LARGE-$30.00
5134 Cassidy Pass Unit 34 6509 Cobbler Trail 6951 La Boiteaux Ave
Hamilton, OH $77,895 Sales Price $190,500 College Hill, OH $68,900
96.33% list to sale ratio
www.BrendaSwigert.com www.Lovetosellcincyhomes.com