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.

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The hard part of buying a home, Closing and Escrow

This is such a hectic time in the home buying process. There is so much going and understanding all that is happening is very important. My Closing and Escrow page covers a lot of the problems and paperwork that needs to be handled. I cover keeping your credit in check and information on choosing a closing date. I have added pages on both Title Insurance and Homeowners Insurance. Keeping up with everything your Escrow Officer needs on a timely basis is a must. I covered the escrow officer's duties on both my Closing and Escrow page and on the Understanding the Escrow Officers Duties Page. Going over these pages will help your stress level. This is the time that an agent is invaluable. Let Valerie Bomberger, ABR, AHWD with RE/MAX Harbor Country help you navigate the Closing and Escrow process and any other part of the home buying process. Please contact me on my website or call / text 269-208-4750

This is it! Let’s make that offer

Now that you have done the fun part, touring homes and have found the perfect one, it’s time for the hard work to start. I have added a Making the Offer to my website that outlines items that need to be done and what I, the realtor, can do for you. I found a Michigan Government website that will help you understand the Michigan Transfer Tax that will need to be paid at closing. Now is the time to think about Home Warranties . I can help walk you through the advantages of a warranty and help you get one. The major inspections/appraisals that will probably be handled at this time: Inspections (always it an inspection) Land Survey ( This is important if there is any undefined boundaries) Home Appraisal ( the lender will insist on this ) No worries, I can walk you through all of these things. If you have any questions just ask .

Understanding the Mortgage Process

Mortgage 101 Let's face it, the mortgage is the most important item in buying a home. Without the mortgage there is no home. Mortgages can be very confusing . The most important part is getting your Pre-qualification letter and Pre-approval letter . Without these letters sellers are not going to take you seriously. I have also blogged about down payments in the past and have added a Mortgage page to my website that covers Types of Mortgages and Down Payments. One of the most crucial items that affect your mortgage is your credit score. Your credit score affects the rate you get with your mortgage. When filling out your loan application there is a lot to understand. You will find a Loan Application Checklist on my website to help you with the mortgage process. Be careful when looking online for a lender. There are a lot of scammers out there. The Consumer Financial Protection Bureau (CFPB) has a great brochure to help you look into your lender. The National Mortgage Licens...

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