Great Lakes Burn Camp – Western Michigan

The Great Lakes Burn Camp is a non profit organization located in Western Michigan. Their mission is to help burn survivors interact in a normal atmosphere with other burn survivors. The camp has survivors from ages 6-17 that help each other heal, grow and bond with each other. They are financially dependent on fundraisers and donations. Some of the fundraisers include: motorcycle runs, sport tournaments, charity balls and chili cook offs. Check out their camp brochure. Niles is having a motorcycle run “Burn Run” on June 25,26,27. If you are interested in helping or want more information check out their website.

If you think that someone you know could use this information please send it on. I have more safety tips and special non profit blogs on my Val Cares web page. Valerie Bomberger ABR, AHWD Re/Max Harbor Country.

Comments

Understanding Pre-qualification and Pre-approval

Buyers ask me all the time what the difference is between Pre-qualification and Pre-approval. If you are considering the purchase of a new home or selling your home, you may be concerned with the issue of finance. If you are a buyer obtaining the right mortgage is a key step in the home buying process, but it does not have to be a stress inducing one. Talk to your lender before you make an offer. Most lenders offer pre-qualification, pre-approval, or both to help you know where you stand. Get Prequalified and be up front about the source of your down payment money. A good lender will explain the true costs of borrowing to you so you can comfortably afford the home you want as well as the monthly payments. Sellers should always ask if a buyer that wants to see their house is already pre-qualified. Pre-qualification: Is a preliminary estimate of how much you can afford to pay for a home based on information you provide. Because credit and employment information are not validated fo

Understanding how the down payment for buying a home works

Down Payment 101 A down payment is a very important first step in buying and owning your own home. Having a down payment is a good sign that you’re ready to tackle home ownership and likely be able to handle the monthly expenses that come with home ownership; including the monthly mortgage payments, property taxes and any repairs that come up. Mortgage lenders require a down payment to help offset their risk. The larger the down payment the less they end up losing if they foreclose. If a buyer puts down less than 20% they will have to get private mortgage insurance (PMI). This insurance repays the lender a portion of the loan if it goes into default. You will need to remember that PMI insurance will increase your monthly mortgage payments. The size of the down payment can affect your interest rate. Most mortgage lenders will offer a lower rate to buyers with larger down payments. The money for a down payment can come from several sources: From your own savings Gifts from f

Why Work with a Real Estate Agent?

Should I Hire a Buyer's Agent? Yes. Real estate agent is a professional in a field where most buyers and sellers are novices. This is likely the largest single purchase you will ever make. After all, how often do you drop a quarter of a million dollars or more on a shopping spree? Home buying and selling is full of pitfalls that can be avoided with an agent to provide you with expert assistance, knowledge of the market and negotiation skills. Your agent is the unbiased voice of reason who brings objectivity to the table. An agent helps sellers see past their emotional connection to their home and helps buyers deal with a multiple bid situation. Your agent can recommend a good independent home inspector who can provide a list of repair needs. Then, the agent will help evaluate which repairs are reasonable and which are excessive as you get your home ready to sell. Your agent also has contacts with excellent contractors to make the necessary repairs. Determining t

SW Michigan Real Estate Community Voice

Search This Blog