Coldwell Banker's Central PA Real Estate Blog

Leola PA Real Estate - Local Attractions, Homes For Sale

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Thu, 06 Aug 2009 09:24:44 -0700

Interested in Leola PA? Here's the Leola PA Real Estate webpage that has the lowdown on the Lancaster County community just east of Lancaster City along Route 23 (on the way to New Holland). Leola PA is zip code 17540 and is in the Conestoga Valley School District. You can see all homes for sale in Conestoga Valley here. Some popular Leola PA restaurants would be:

Leola Family Restaurant717-656-2311365 West Main St., , Leola 17540	Reflections Restaurant717-656-37171390 Oregon Road, Leola 17540
Restaurant Mazzi717-656-898346 Deborah Drive, Route 23, Leola 17540	The Homeplace Restaurant717-656-0917Achenbach's, 375 E. Main St, Leola 17540
Upper Crest Bakery and Deli866-562-7588345 West Main St., Leola, Leola 17540

Lancaster PA Real Estate - School District Directory

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Wed, 05 Aug 2009 08:49:29 -0700

As a help to Lancaster County PA homebuyers, we're posting a good list of school districts in Lancaster County as a reference. Lancaster County has 16 school districts that fall mostly within the county, and the district is often an important factor in home buyers minds. Here's the list with links to the appropriate real estate page at www.LancasterPAsRealEstate.com: Cocalico homes Columbia Borough homes Conestoga Valley homes Donegal homes Eastern Lancaster County homes Elizabethtown Area homes Ephrata Area homes Hempfield homes Lampeter Strasburg homes Lancaster homes Manheim Central homes Manheim Township homes Penn Manor homes Pequea Valley homes Solanco homes Warwick homes Use these pages for specific lancaster real estate agents, lancaster homes for sale and much more! ____________________________________________________________________________________ Coldwell Banker Select Professionals, based at 1000 North Prince Street in Lancaster and with additional offices in Lebanon, Hershey & York can be reached at 717-735-8400 or at www.cbselectpros.com. Coldwell Banker Select Professionals serves the Lancaster PA real estate, York PA real estate, Hershey PA real estate, Harrisburg PA Real Estate, Lebanon PA real estate markets with local offices and agents. Search Homes by Map See Coldwell Banker's New Home Communities Throughout Central PA! Interested in Moving to Central PA? Let Coldwell Banker be your perfect partner. Corporate relocation? Coldwell Banker is a Principal Central PA broker for Cartus Relocation Coldwell Banker Select Professionals - We're Always Moving! Visit www.cbSelectPros.com or Call 800-223-9690 today to get started.

York County Foreclosures - What Are My Options To Keep My Home?

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Mon, 03 Aug 2009 08:26:59 -0700

The following options will result in a York PA homeowner facing foreclosure retaining ownership of their property: Repayment Plan: This usually involves establishing a schedule with the Lender to make a full regular monthly payment plus a little extra each month, to repay the delinquent amount over a specified period of time. Special Forbearance Plan: This option may provide for a temporary reduction or suspension of payments, that will be increased at a later point to repay the delinquent amount over a specified period of time. Mortgage Modification: This option may allow the owner to refinance the debt and / or extend the term of the existing mortgage loan. HUD Partial Claim: If the loan is an FHA insured loan, the lender may be able to obtain a one time payment from the FHA-Insurance Fund to bring the mortgage loan current with payments. Refinance: This option may allow the York home owner to use the equity that they have established in their home to pay the delinquent amount. Depending on the interest rate of the new loan, the monthly payments might be reduced. Homeowners can explore refinancing with their existing Lender as well as with any Lender of their choice. Homeowners’ Emergency Mortgage Assistance: This option provides special financial assistance to Pennsylvania residents, including York, who are facing the possibility of losing their primary residence through foreclosure. Depending on the Homeowner’s situation, they may be eligible to receive a LOAN to bring their mortgage payments current. Homeowners, depending on their circumstances, may also be eligible to receive financial assistance with their monthly mortgage payment for up to 24 months from the date the mortgage became delinquent.

Coldwell Banker Wins Coveted JD Power Top Slot for 2009

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Thu, 30 Jul 2009 08:08:54 -0700

Today the nation's leading customer satisfaction tracker announced that Coldwell Banker has received top honors in it's 2009 Home Sellers Survey. Read the details and official press release here. We're proud to be associated with such a progressive, dominant real estate brand as Coldwell Banker and would love the opportunity to show you some of the service that has won us this coveted award! ____________________________________________________________________________________ Coldwell Banker Select Professionals, based at 1000 North Prince Street in Lancaster and with additional offices in Lebanon, Hershey & York can be reached at 717-735-8400 or at www.cbselectpros.com. Coldwell Banker Select Professionals serves the Lancaster PA real estate, York PA real estate, Hershey PA real estate, Harrisburg PA Real Estate, Lebanon PA real estate markets with local offices and agents. Search Homes by Map See Coldwell Banker's New Home Communities Throughout Central PA! Interested in Moving to Central PA? Let Coldwell Banker be your perfect partner. Corporate relocation? Coldwell Banker is a Principal Central PA broker for Cartus Relocation Coldwell Banker Select Professionals - We're Always Moving! Visit www.cbSelectPros.com or Call 800-223-9690 today to get started.

Hershey PA Real Estate Guides - Local Restaurants

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Wed, 29 Jul 2009 09:49:48 -0700

Hershey PA is one of the best-known destinations in Central Pennsylvania. There are just so many attractions that appeal to all members of the family! After a day of hitting Hershey Park or wherever, you'll be ready to sample some of Hershey's fine restaurant selection. To help you, we've posted a list of Hershey PA restaurants and food establishments to get you started! Mangia!

Arndts Arndt's Family Restaurant(717) 534-28031016 E Governor Rd , Hershey, PA , Hershey 17033	Carlas Cucina (717) 534-20991144 E Chocolate Ave , Hershey, PA , Hershey 17033
CATHERINE'S RESTAURANT717-533-9050845 E. Chocolate Ave, Hershey 17033	Cocoaplex Center(717) 312-14441130 Cocoa Ave , Hershey, PA , Hershey 17033
Demarco Casual Fine Dining(717) 520-1634202 W Chocolate Ave , Hershey, PA , Hershey 17033	Dimitris(717) 533-34031311 E Chocolate Ave , Hershey, PA , Hershey 17033
FIRE ALLEYFIRE ALLEY717-533-3200 1144 Cocoa Avenue, Hershey 17033	FIRESIDE STEAKHOUSEHershey, PA 17033W. Chocolate Ave. & University Drive, Hershey 17033
Friendly's (717) 533-41901000 Reese Ave , Hershey, PA , Hershey 17033	Gingerbread Man (717) 533-55411715 E Chocolate Ave , Hershey, PA , Hershey 17033
Hershey's HERSHEY'S CHOCOLATE TOWN CAFE717-533-2917Hershey's Chocolate World, Hershey 17033	Kazi Foods Of Annapolis Inc(717) 533-1385134 W Chocolate Ave , Hershey, PA , Hershey 17033
KFCPhone - (717) 533-13134 W Chocolate Ave , Hershey, PA , Hershey 17033	Kreider Dairy Farm Family Restaurant(717) 533-806716 Briarcrest Sq , Hershey, PA , Hershey 17033
LEBBIE LEBKICHER'S717-520-5401W. Chocolate Ave. & University Drive, Hershey 17033	Lucy's Cafe IncPhone - (717) 534-10267 W Chocolate Ave , Hershey, PA , Hershey 17033
Marco Polo Garden Inc(717) 533-228821 Duke St , Hershey, PA , Hershey 17033	Palmdale Cafe(717) 533-31001736 E Chocolate Ave , Hershey, PA , Hershey 17033
Papa John's (717) 566-5600Park Village Plz , Hershey, PA , Hershey 17033	Penn Hotel & Sports Bar Ltd (717) 533-9260600 W Chocolate Ave , Hershey, PA , Hershey 17033
Pippin's Food & Spirits (717) 534-3821100 W Hersheypark Dr , Hershey, PA , Hershey 17033	Pizza Hut (717) 533-70001406 E Chocolate Ave , Hershey, PA , Hershey 17033
Red Robin(717) 520-1776621 Park Ave , Hershey, PA , Hershey 17033	Shakeys Pizza (717) 533-9824312 Mill St , Hershey, PA , Hershey 17033
Spinner's Restaurant Inc(717) 533-9157845 E Chocolate Ave , Hershey, PA , Hershey 17033	THE BEARS' DEN717-520-5401W. Chocolate Ave. & University Drive, Hershey 17033
THE HERSHEY GRILL717-520-5401W. Chocolate Ave. & University Drive, Hershey 17033	THE HERSHEY PANTRY717-533-7505 801 E. Chocolate Ave., Hershey 17033
THE HERSHEY PANTRY717-533-7505 801 E. Chocolate Ave., Hershey 17033	UNION CANAL HOUSE & RESTAURANT717-566-0054107 S. Hanover St., Hershey 17033
Union Canal House Inc(717) 566-0054107 S Hanover St , Hershey, PA , Hershey 17033	Wendy'S(717) 312-1126615 Park Ave , Hershey, PA , Hershey 17033
WHAT IF... OF HERSHEY717-533-5858 845 E. Chocolate Avenue, Hershey 17033	Your Place Restaurant (717) 533-61401077 W Governor Rd , Hershey, PA , Hershey 17033

5 Mistakes Home Buyers Make

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Tue, 28 Jul 2009 06:51:08 -0700

Are you considering buying a home or possibly in the midst of a home search? If so, you likely have learned that there are many steps to the house hunting and buying process. Coldwell Banker Select Professionals is providing the following list of common mistakes buyers make, so please read carefully and avoid these pitfalls. Forgetting about resale: You may love a particular home, but think twice if it is the nicest one in the neighborhood. You will have difficulty getting a good resale since the surrounding lower home values will weaken yours. Going at it alone: Although you may be tempted to handle a home purchase on your own, you will most likely regret it. Buying a home is a very complex process involving many steps and a variety of people. There are legal issues, inspections, and insurance and mortgage needs that must be addressed. You will be thankful for involving a realtor who handles a multitude of transactions a year and knows about the hidden roadblocks so you can safely navigate around them. Changing your financial outlook before closing: When you've found a home you want to buy, you may be tempted to make some big purchases to outfit it. After your loan application has been completed, do not buy anything major (large appliances, electronics, a car) on credit or with a credit card. Alterations in your credit rations could jeopardize your loan and leave scrambling at the last minute. Putting off getting pre-approved: So you've found a house you really like and want to put in an offer. Since you haven't been pre-approved yet, you rush to get this accomplished. In the meantime, another party puts in an offer that is accepted, and you've missed out on a great opportunity. To avoid this, you're first step-even before going on any showings-should be speaking with a lender and determining what you qualify for. Making snap decisions: You may fall in love with a house the second you see it, but do your best to view the situation objectively. Does the home satisfy the needs of your family and will the mortgage fit comfortably within your budget? Make sure you have a thorough list of your needs and wants before you start shopping...preparation is the key to success! Please contact Coldwell Banker Select Professionals if your looking for personal service and have questions regarding buying a home in Lancaster PA, York PA, Harrisburg PA, Lebanon PA, Hershey PA and Cumberland County. Be sure to connect with one of our agents at www.cbselectpros.com/. We have local offices serving all of Lancaster, Lebanon, York, Hershey, Harrisburg, and Cumberland County PA. Get started on your search today!

Get The Right Insurance On Your Biggest Investment

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Mon, 27 Jul 2009 09:26:28 -0700

Navigating all of the options available for homeowners insurance can be a challenge. Since “Mother Nature” reliably makes her appearances across the country year after year, selecting the proper insurance is critical to protect perhaps the largest purchase one will make over the course of a lifetime. It is a good idea to review the policy annually to ensure the best coverage is being provided. The Fundamentals: Standard policies should reimburse for basic damages including burglary and destruction to the home caused by fire, smoke, lightning, ice, snow and frozen pipes. In addition, traditional policies often offer liability coverage for medical claims of third parties and legal damages should the homeowner be named the defendant in a lawsuit. The most common amount of liability coverage is $100,000. Be Prepared for the Worst Case Scenario: Before granting a loan, lenders often require homeowners to purchase at least a basic insurance plan. However, homeowners should be prepared for the worst. They should find out exactly how much it would cost to restore the home from top to bottom in case of complete destruction, and then contemplate insuring it for that amount. Although the policy will provide the funds to rebuild the structure of the home, money is still needed to refurbish the inside with new appliances, furnishings, etc. Many consumers are not aware that they have the option to insure their home and belongings for either the replacement cost or the actual cash value. Actual cash value is the amount it would take to repair a home or replace damaged possessions after factoring in depreciation. Replacement cost is the amount it would take to repair a home with materials of similar kind and quality, or to purchase new possessions without deducting for depreciation. Understandably, insuring property to cover replacement costs is more expensive than insuring it for its actual cash value, but may be worth the difference if a consumer can afford the higher premiums. To best prepare for refurbishing the inside, put together a detailed home inventory list. Include everything from jewelry to artwork to carpets to computer equipment to tools and sporting equipment. A list with receipts attached is ideal. Also consider doing a photographic or video inventory (date stamp the video as a record) in which the key information is chronicled. Whether a written or visual property catalogue is compiled, be sure to include a description of the item, quantity owned, brand name, model or serial number, name of the vendor, date of purchase, purchase price, current value and replacement cost. Another tip is to keep this documentation in a separate location in case tragedy should strike the home. Water, Water, Everywhere? According to the National Flood Insurance Program (NFIP), flooding is the most common natural disaster in the U.S., yet it is typically not covered by traditional home-owners insurance policies. It is however offered by the National Flood Insurance Program (NFIP) for many areas of the country. In fact, if a property lies in a flood hazard area (determined by the Director of the FEMA to have a one percent chance of being hit by a flood), the borrower will likely be required to purchase flood insurance. If you live in an area prone to flooding, consider purchasing such a policy from a local agent. It is not wise to rely on federal disaster funds, as these loans must be repaid. Sometimes floods are brought on by hurricanes. Hurricanes “Katrina” and “Rita” are reminders of the devastation that storms can cause. Unfortunately, hurricane insurance has become pricier and more difficult to obtain. Those living in hurricane prone areas should shop around for the most comprehensive and affordable policy from a reputable provider.

Cumberland County PA Colleges - A Summary

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Fri, 24 Jul 2009 10:19:14 -0700

Cumberland Colleges & Schools Cumberland County, Pennsylvania contains six institutes of higher learning along with 9 public school districts. Colleges and Universities Central Pennsylvania College Central Pennsylvania College is America's largest career-oriented college located in the suburban Harrisburg, Pennsylvania neighborhood of Summerdale, Pennsylvania. Established in 1881, Central Penn, formerly known as Central Pennsylvania Business School, officially changed its name in 1999 to better characterize the diversity of the school's academic programs. Central Penn offers two-year associate's degree and three- and four-year bachelor's degree programs to its students. The college offers on-campus housing, but about 60 percent of the school’s students commute. The school’s library, the Charles T. Jones Library, features a learning resource center open to the public. A swimming pool,basketball and volleyball courts and picnic areas also are features of the drug- and alcohol-free campus. The college is accredited by the Middle States Association of Colleges and Schools. Dickinson College Dickinson College is a private, residential liberal arts college in Carlisle, Pennsylvania. Originally established as a Grammar School in 1773 , Dickinson was chartered September 9, 1783, five days after the signing of the Treaty of Paris, making it the first college to be founded in the newly-recognized United States. Dickinson was founded by Dr. Benjamin Rush, a signer of the United States Declaration of Independence and named in honor of a signer of the Constitution, John Dickinson, the President of Pennsylvania. Dickinson College is America's 16th oldest college. With over 180 full-time faculty members and an enrollment of nearly 2,400 students, Dickinson is known for its innovative curriculum and outstanding international education programs but for also having an expensive tuition of $45,000 per year. Dickinson sponsors 12 study centers in other countries and its approach to global education has received national recognition from the American Council on Education and NAFSA: Association of International Educators. The college was among six institutions profiled in depth by NAFSA for "Outstanding Campus Internationalization" in 2003. The 42% acceptance rate for the Class of 2011 is Dickinson's lowest ever, and the College's nearly 6,000 applications put it amongst the top liberal arts colleges nationwide. In 2007 Dickinson's endowment topped $300 million, more than double its total from ten years before. Dickinson College is not to be confused with the Dickinson School of Law, which abuts the campus but has not been associated with the college since the late 19th century. The law school merged with The Pennsylvania State University in 1997, and its students study at both the Carlisle and State College campuses. Dickinson is sometimes mistaken for, yet has no relation to, Fairleigh Dickinson University, a private university in the state of New Jersey. Messiah College Messiah College is a private Christian college of the liberal and applied arts and sciences in the unincorporated village of Grantham in south-central Pennsylvania. It was founded in 1909 by the Brethren in Christ Church as the Messiah Bible School and Missionary Training Home. Messiah's mission is to "educate men and women toward maturity of intellect, character, and Christian faith in preparation for lives of service, leadership, and reconciliation in church and society." Penn State Dickinson School of Law The Dickinson School of Law (also known as Penn State Dickinson or Penn State Law) is the law school of The Pennsylvania State University. Penn State Dickinson, one of the professional graduate schools of Penn State, operates as a dual-campus system with campuses located in both University Park, Pennsylvania and Carlisle, Pennsylvania. The two campuses operate meaningfully as a single enterprise, with a single identity, single reputation and single stature. The University Park Campus is Penn State's main campus, and it maintains over 40,000 undergraduate and graduate students. Carlisle, approximately 80 miles southeast of University Park, is the original home of the law school. The law school was founded by John Reed in 1834, making it the fifth oldest law school in the United States and the oldest law school in Pennsylvania. It is home to over 600 law students, most of whom are earning the degrees of Juris Doctor (J.D.) or Master of Laws (LLM). Penn State Dickinson has a faculty and staff of over 100. U.S. News and World Report, in its 2009 edition of America's Best Graduate Schools, ranked Penn State Dickinson 77th among the nation's top 218 law schools. In June 2007 Penn State established the School of International Affairs that is intimately linked with the law school. The School of International Affairs, which will offer a professional master's degree in International Affairs with several specialty concentrations, will be housed administratively within the law school. The two schools will share similar educational objectives. Randall Robinson was recently appointed as faculty of the School of International Affairs. Shippensburg University of Pennsylvania Shippensburg University of Pennsylvania, commonly known as Ship, or SU, is a public university located in Shippensburg, Pennsylvania, 40 miles (64 km) west-southwest of Harrisburg. It is one of the 14 state universities that compose the Pennsylvania State System of Higher Education (PASSHE). Shippensburg University is accredited by the Middle States Association of Colleges and Schools (MSACS). The U.S. News & World Report again ranked Shippensburg University among the top public universities in the North in its book "America's Best Colleges 2009." In the annual rankings, Shippensburg is tied for 58th among all institutions in the North region. It was named one of the 100 best values among public colleges in "Kiplinger's Personal Finance". Ship was also included in the 2007 edition of The Princeton Review's "The Best Northeastern Colleges." U.S. Army War College The United States Army War College is a United States Army school located in Carlisle, Pennsylvania, on the 500 acre (2 km²) campus of the historic Carlisle Barracks, a military post dating back to the 1770s. It caters to high-level military personnel and civilians and prepares them for strategic leadership responsibilities. It is the U. S. Army's most senior military educational institution. The War College is a split-functional institution. While a great deal of emphasis is placed on research, students are also instructed in leadership, strategy, and joint-service/international operations. Approximately 600 students attend at any one time, half in a two-year-long Internet-based program, and the other half in an on-campus program lasting ten months. The college grants its graduates, both civilian and military, a Master's degree in strategic studies. The Army handpicks most of the students who participate in the residential program, but the student body always includes officers from the other military branches, civilians (from the Pentagon, State Department, and the National Security Agency), and several dozen senior officers from foreign countries. For example, the residential Class of 2004 included: 268 officers from the Army (active, reserve, National Guard), Navy (active, reserve), Air Force (active, reserve, National Guard), Marine Corps (active, reserve) and U.S. Coast Guard 30 senior civilian employees of the federal government 42 officers from other countries The average age of students is 45 years old and the typical military rank is Lieutenant Colonel. Army applicants must have already completed the U. S. Army Command and General Staff College. For more on Cumberland County homes visit our county website at www.cumberlandparealestate.com ____________________________________________________________________________________ Coldwell Banker Select Professionals, based at 1000 North Prince Street in Lancaster and with additional offices in Lebanon, Hershey & York can be reached at 717-735-8400 or at www.cbselectpros.com. Coldwell Banker Select Professionals serves the Lancaster PA real estate, York PA real estate, Hershey PA real estate, Harrisburg PA Real Estate, Lebanon PA real estate markets with local offices and agents. Search Homes by Map See Coldwell Banker's New Home Communities Throughout Central PA! Interested in Moving to Central PA? Let Coldwell Banker be your perfect partner. Corporate relocation? Coldwell Banker is a Principal Central PA broker for Cartus Relocation Coldwell Banker Select Professionals - We're Always Moving! Visit www.cbSelectPros.com or Call 800-223-9690 today to get started.

Energy Saving Tips

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Wed, 22 Jul 2009 05:54:23 -0700

In our current economic climate, we are constantly looking for ways to save energy and lower the cost of our monthly electric bill. There are lots of small, simple steps you and your family can take in order to save money and improve the environment. Coldwell Banker Select Professionals has compiled the follow list of suggestions to make your home and habits more energy efficient. Make sure your dishwasher and washing machine are completely full before you run them. Also, consider line drying your clothing and air drying your dishes. Remember, it is not more economical to hand wash dishes-the dish washer will use less water. Install a programmable thermostat so you can reduce your energy consumption when no one is home-there is no need to overly heat or cool a house while you're at work. In addition, pull the drapes at night and when you're not home to prevent heat escape. Start using compact fluorescent bulbs as opposed to incandescent and plug all your appliances into a power strip. This allows you to turn off the strip when the appliance is not in use. Surprisingly, appliances plugged into an outlet will continue to use power even after they're turned off. Clean the filters in your air conditioner and furnace during months of heavy use because dirty filters cause the units to work longer and harder than necessary. Also, consider insulating your hot water heater to make it more efficient. Fill up your refrigerator-all the cold food helps prevent the fridge from loosing coolness when you open it. Also, use your microwave while cooking as often as possible-it is likely the most energy efficient cooking appliance in your home! Hopefully the above tips will allow you to save on your future electric bills. Please contact Coldwell Banker Select Professionals if you're looking for personal service and have questions regarding listing your home in Lancaster PA, York PA, Harrisburg PA, Lebanon PA, Hershey PA and Cumberland County. Be sure to connect with one of our agents at www.cbselectpros.com/. We have local offices serving all of Lancaster, Lebanon, York, Hershey, Harrisburg, and Cumberland County PA.

York County PA Utilities - A Quick Guide

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Tue, 21 Jul 2009 08:19:03 -0700

Often homebuyers need to find out which utility company is servicing their area. We're posting a list of York PA public utilities for your convenience!York County Utilities York Telephone CompaniesVerizon (800) 555-4833 Sprint (800) 877-4646 York Cable CompaniesComcast (800) 266-2278 Dish Network (866) 274-8905 Direct TV (800) 280-3488 York Electric CompaniesMET-ED (800) 545-7741 Adams Electric (717) 792-3666 PECO (800) 494-400 PP&L (800) 342-5775 York Gas CompaniesColumbia Gas (888) 460-4332 Delta Gas (717) 456-7816 York Water CompaniesYork Water Company (717) 845-3601 Dover Borough (717) 292-6530 Dover Township (717) 292-3634 Glen Rock Borough (717) 235-3206 Hanover Water Dept (717) 637-3877 New Freedom Borough (717) 235-2337 Dallastown, Yoe, Red Lion Water Authority (717) 244-3475 West Manchester Township Water Authroity (717) 764-3624 Shiloh Water, Garbage & Sewer (717) 764-3624 Ashbury Pointe Water & Sewer (717) 854-0011 Shrewsbury Borough (717) 235-4371 Stewartstown Borough (717) 993-2963 United Water of Pennsylvania (717) 564-3662 York Trash Removal CompaniesYork Waste Disposal (717) 845-1557 Waste Management (888) 964-9727 Penn Waste (717) 767-4456 Hanover Boro (717) 632-3939 Penn Township (717) 632-7366 ____________________________________________________________________________________ Coldwell Banker Select Professionals, based at 1000 North Prince Street in Lancaster and with additional offices in Lebanon, Hershey & York can be reached at 717-735-8400 or at www.cbselectpros.com. Coldwell Banker Select Professionals serves the Lancaster PA real estate, York PA real estate, Hershey PA real estate, Harrisburg PA Real Estate, Lebanon PA real estate markets with local offices and agents. Search Homes by Map See Coldwell Banker's New Home Communities Throughout Central PA! Interested in Moving to Central PA? Let Coldwell Banker be your perfect partner. Corporate relocation? Coldwell Banker is a Principal Central PA broker for Cartus Relocation Coldwell Banker Select Professionals - We're Always Moving! Visit www.cbSelectPros.com or Call 800-223-9690 today to get started.

Curb Appeal: Dress Up Your Home's Exterior

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Fri, 17 Jul 2009 06:09:24 -0700

If you're considering selling your home, you probably know that making a positive first impression among potential buyers is a necessity. Especially if you are selling your home in a buyers' market, you will want the best qualities of your home to stand out among other listings. Coldwell Banker Select Professionals has created the following guide to help you make the most out of your home's curb appeal. When buyers pull up for a showing, you do not want to disappoint them before they even get to the front door. Make sure the outside is as clean and tidy as possible. In order to determine what needs to be done, go out to the front of your home from the street and take note of what stands out the most. It might be worthwhile to have an observant friend do the same so you can compare notes. Some of the obvious care issues that should always be attended to are peeling, chipped, or faded paint. If the shutters, railings, trim, or doorway could use some freshening, now is the time to do it. Not only do you want the paint to be fresh and clean, but also your home's siding should be spotless. If it has green stains on it, make sure you give it a good cleaning with a power washer. Next, you will want to make sure your lawn, flower beds, and shrubbery are as manicured as possible. A fresh mowed yard with weed-free, nicely edged flower beds is an inexpensive and effective way to impress buyers. You could add an extra pop of color by planting some blooming flowers if the time of year allows. The final and perhaps most important aspect of your home's curb appeal, is the entryway. People will linger in this area before entering the home, so it will set the mood for their first step inside. Ensure the entry is bright and clean by replacing dead light bulbs, cleaning the windows, door, and railings, and clearing away any spider webs. Replace the mat at the door if it is dirty and worn out, consider putting some colorful potted plants on the front stoop, and hang an attractive wreath on the door. Hopefully the above will give you a good starting point for how to amplify your home's exterior appeal. Please contact Coldwell Banker Select Professionals if you're looking for personal service and have questions regarding listing your home in Lancaster PA, York PA, Harrisburg PA, Lebanon PA, Hershey PA and Cumberland County. Be sure to connect with one of our agents at http://www.cbselectpros.com/. We have local offices serving all of Lancaster, Lebanon, York, Hershey, Harrisburg, and Cumberland County PA. ____________________________________________________________________________________ Coldwell Banker Select Professionals, based at 1000 North Prince Street in Lancaster and with additional offices in Lebanon, Hershey & York can be reached at 717-735-8400 or at www.cbselectpros.com. Coldwell Banker Select Professionals serves the Lancaster PA real estate, York PA real estate, Hershey PA real estate, Harrisburg PA Real Estate, Lebanon PA real estate markets with local offices and agents. Search Homes by Map See Coldwell Banker's New Home Communities Throughout Central PA! Interested in Moving to Central PA? Let Coldwell Banker be your perfect partner. Corporate relocation? Coldwell Banker is a Principal Central PA broker for Cartus Relocation Coldwell Banker Select Professionals - We're Always Moving! Visit www.cbSelectPros.com or Call 800-223-9690 today to get started.

Harrisburg PA Real Estate - Homes For Sale Market Report

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Tue, 14 Jul 2009 08:14:39 -0700

PRICE AND SALES SHOW STRENGTH AMID DECREASESSales decrease at slower pace; Median price remains strong, says local Realtor association... HARRISBURG (July 10, 2009) – The median home-sale price in the South Central Pennsylvania area decreased slightly in the second quarter of 2009. According to statistics from the Central Penn Multi-List, Inc., the median home-sale price in the second quarter was $164,767 – a 1.9 percent decrease from the $168,000 median home-sale price in the second quarter of 2008. “Once again, our area median price is holding steady,” says Frederick L. Briggs, president of the Greater Harrisburg Association of REALTORS®. “While we continue to see substantial drops in price in other areas of the county, South Central Pennsylvania homes are maintaining their value.” The number of residential housing units sold in the second quarter of 2009 was 1,952 units, down 6.9 percent from the 2,097 units sold in the second quarter of 2008. “In the preceding six quarters, sales had decreased by double-digit percentages,” Briggs says. “I am pleased to see a slower rate of sales decrease this past quarter, and our market may be starting to turn around in terms of sales.” Listings stayed on the market an average of 86 days in the second quarter of 2009 – up from an average of 74 days in the second quarter of 2008.The number of active listings in the second quarter rose to 4,279, compared to 4,072 active listings at the end of the first quarter of 2009. Across the country, existing-home sales increased in both April and May. According to statistics from the National Association of REALTORS® (NAR), sales increased 2.9 percent from March to April, but total sales in April 2009 are 3.5 percent below April 2008. NAR reported that sales also increased 2.4 percent in May from April, but remain 3.6 percent below sales in May 2008. The national median existing-home price was $170,200 in April and $173,000 in May. Both months’ median prices are down from median existing-home prices in April 2008 (15.4 percent decrease) and May 2008 (16.8 percent decrease). “The South Central Pennsylvania market continues to be a buyers market,” Briggs says. “Strong prices, coupled with the increased inventory, make it a great time to buy in our area.” Visit here for more Harrisburg PA real estate information and to search all homes for sale.

Manheim Township PA Homes - Tips To Prepare Your Home For Sale

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Thu, 09 Jul 2009 09:10:07 -0700

Manheim Township is located just outside Lancaster City and straddles 3 major highways in Central PA, making it a desirable place for commuters heading to Harrisburg, York, Reading or Chester County. If you own a home in Manheim Township you should look at doing the most you can to get it ready for sale when the big day comes. Here are a few tips for getting started: Seller Tips to Prepare Your Manheim Township Home For Sale How you prepare your home for a potential buyer can affect the likelihood of selling quickly. Here are a few selling tips to help guide you along the way. Outside: People tend to judge a book by its cover. Investing some time and money into your homes' exterior can pay dividends. 1. A trim landscape can attract buyers, so mow and water your lawn. 2. Trim trees and bushes, and tidy up mulch and other ground cover. 3. Cover bare spots in your lawn with grass seed. 4. Plant flowers – an oft-repeated tale says that yellow flowers symbolize new beginnings and can evoke buying emotions. 5. Clean sidewalks, walkways, and the sides of your home -- renting a power washer can be a good investment. 6. Make your house number clearly visible from the street. 7. Keep clutter to a minimum - store bikes, toys and other equipment. 8. Repaint the home or touchup the necessary areas to present a clean and kept appearance. Inside: Give potential buyers a blank canvas to work with; let them see your home as a place they will live their lives in, and not the home that you are living in. 9. Depersonalize your home by removing pictures, paintings, trophies, etc. 10. Remove clutter around the house -- pack up random items you will be moving, remove books from shelves, and empty all counter space. 11. Organize things behind closed doors –- smart buyers will want to open cabinets and closets, so keep it neat. This will show the buyer that you take care of the home down to the smallest detail. Some examples include: - Alphabetizing your spice rack, place cup handles uniformly, and neatly stack dishes - Hang jackets or shirts together and uniformly, and line shoes up 12. Remove unnecessary furniture such as shelving units, extra leaves from the dining room table, or any thing else that may increase the appearance of a room – rent a storage unit if you must. 13. Leave enough furniture to give potential buyers enough to imagine what the room is used for. Fix-It: Take care that you're not selling a "fixer-upper" - from replacing light bulbs to touching up the paint, be sure to present your Manheim Township home in move-in condition. Replace: Items that are moving with you should be replaced before showing the house. The general rule of thumb is, anything attached to the home is expected to be part of the deal. Minimizing any confusion will minimize potential negotiating issues later on. 14. Replace that light fixture which has been in your family for years. 15. Change the bathroom sink you aren't willing to part with. 16. If you are taking any major appliances be sure to have their replacements in place before showing the home. Minor Repair: Consider making some small, inexpensive upgrades to your home. 17. Replace any cracked tiles, or repair them. 18. Patch any holes in the wall. 19. Fix leaky faucets. 20. Fix doors that don't shut properly and kitchen drawers that jam. 21. Replace light bulbs that are burnt out – more light gives a spacious perception. 22. Replace worn bedspreads. Major Repair: Be sure the costs of the repairs you are making don't outweigh the benefits they will create. 23. Paint rooms neutral colors – it will give the room a bigger feel and eliminate your perception of a "good" color (for example, red may not be good for everyone). 24. Discuss any other major repairs with your Sales Associate. Freshen Up: Give your Manheim Township home a good "spring cleaning" both inside and out before someone sees it. Continuous maintenance will help keep your home in good order and prevent you from that last minute clean up before someone comes to see your house. 25. Clean windows on both sides. 26. Rent a pressure washer to clean the exterior of the house. 27. Clean cobwebs. 28. Re-caulk bathrooms and bleach grout. 29. Clean out the refrigerator. 30. Wax floors and vacuum daily. 31. Dust furniture, ceiling fan blades and light fixtures. 32. Replace worn rugs. 33. Hang fresh towels in bathrooms. 34. Clean out musty smelling areas. 35. Stop smoking inside the house. 36. Bathe pets and clean out litter boxes. 37. Empty all trash, recycle bins, etc. 38. Dry-clean drapes and shampoo carpets. 39. Use baking soda boxes in smell-prone areas. 40. Place flowers, potpourri or air fresheners around the house. 41. Monthly cleaning can preserve a floor's shine. 42. Clean all carpets. 43. Clean all windows and mirrors. 44. Clean water stains in all sinks and tubs. Ask a "buyer": Invite a friend or neighbor in Manheim Township to walk through your home like a buyer would. Get their opinion on whether or not it's inviting, clean and well maintained. Strongly consider making any changes they suggest. Read more about Manheim Township PA Homes and Lancaster PA real estate at http://www.lancasterpasrealestate.com/manheim-township-school-district.html

Dauphin County PA Real Estate - What Can I Afford To Buy?

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Mon, 06 Jul 2009 09:37:40 -0700

Home buying in Dauphin County PA - What can I afford to buy? Calculate the estimated mortgage payment Several formulas exist to help determine how much a lender will allow a consumer to borrow. One of the more accurate formulas is a front- and back-end ratio. It states that the buyer can afford as much as 28 percent of his or her gross-monthly income toward the monthly mortgage payment, assuming that the consumer's other debt payments(credit cards, car loans, student loans, etc...) are less than or equal to 8 percent of his or her gross-monthly income. To better understand this formula, assume a gross-family income of $5,000 a month. The front-end ratio or maximum monthly mortgage payment is (28 percent of $5,000) $1,400. The back-end ratio is (8 percent of $5,000) $400. Therefore, the buyer can afford a $1,400.00 monthly mortgage payment as long as monthly debt payments are less than or equal to $400. If debt payments exceed the back-end ratio, it will reduce the monthly mortgage payment dollar for dollar. For example, if debt payments are $500, the maximum monthly mortgage payment a person could afford would be reduced to $1,300. Planning for Home Maintenance Costs You don't think about future maintenance costs when buying a home, but you should. Whether buying an older home or a newly constructed home, equipment can be faulty and costly to repair. Usually a home's purchase price can be used to project maintenance costs. The recommendations for annual maintenance costs range from 1.5 to 4 percent of the home's original cost. While this is not always true, especially when the purchase price of a home is three-quarters of a million dollars, it is a good rule of thumb for the average home buyer. Since most home buyers are focusing on making the down payment and not saving for future repairs, a home warranty provides a good back-up plan. Most home warranties cost between $300-$400 and will cover many major home systems and built-in appliances for one full year after close. A home warranty will either pay to repair or replace a covered item and the homeowner pays a minimal deductible rather than the full cost of repairs. It's an easy way to manage your home's finances and plan for those unexpected repairs. To read the rest of this home buyer article visit our Dauphin County PA real estate website. ____________________________________________________________________________________ Coldwell Banker Select Professionals, based at 1000 North Prince Street in Lancaster and with additional offices in Lebanon, Hershey & York can be reached at 717-735-8400 or at www.cbselectpros.com. Coldwell Banker Select Professionals serves the Lancaster PA real estate, York PA real estate, Hershey PA real estate, Harrisburg PA Real Estate, Lebanon PA real estate markets with local offices and agents. Search Homes by Map See Coldwell Banker's New Home Communities Throughout Central PA! Interested in Moving to Central PA? Let Coldwell Banker be your perfect partner. Corporate relocation? Coldwell Banker is a Principal Central PA broker for Cartus Relocation Coldwell Banker Select Professionals - We're Always Moving! Visit www.cbSelectPros.com or Call 800-223-9690 today to get started.

York PA Real Estate - Finding Your Town

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Thu, 02 Jul 2009 10:08:11 -0700

York County PA has a lot of towns to choose from. Our clients often tell us that they'd like to narrow it down a bit - so we decided to post this list of links to York PA towns - and homes for sale in each. This should help to narrow down your search if you are considering buying a home in York PA but aren't sure where to start: Search By Town Codorus homes for sale Dallastown homes for sale Dover homes for sale East Prospect homes for sale Etters homes for sale Felton homes for sale Glen Rock homes for sale Hanover homes for sale Jacobus homes for sale Lemoyne homes for sale Lewisberry homes for sale Manchester homes for sale Mount Wolfe homes for sale New Cumberland homes for sale Railroad homes for sale Red Lion homes for sale Seven Valley homes for sale Shrewsbury homes for sale Spring Grove homes for sale Stewartstown homes for sale Thomasville homes for sale Wellsville homes for sale Windsor homes for sale Wormleysburg homes for sale Wrightsville homes for sale Yoe homes for sale York City homes for sale York Haven homes for sale

Things To Know About Lancaster Short Sales

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Wed, 01 Jul 2009 08:13:19 -0700

Options To Dispose Of A Home In Lancaster: In situations where the Lancaster homeowner does not want to retain ownership of the home, the following disposition options may be available as an alternative to Lancaster Foreclosure. These options affect the owner’s credit rating less than a Lancaster Foreclosure will. Sell The Lancaster Home: If there is sufficient equity in the property, the owner may be able to receive more for their property than what is due on the mortgage loan. Assumption: With this option, the owner would sign over the Lancaster property to another person. That person would then take possession of the home, and take over making the payments. Lancaster Pre-Foreclosure Sale (Lancaster SHORT-SALE): This option may allow the owner to sell their property for an amount less than what is necessary to pay off the mortgage loan. Deed In Lieu Of Foreclosure: This option may allow the owner to voluntarily "give back" the property to their Lender without further damaging their credit. Pennsylvania Housing Finance Agency www.PHFA.org HOTLINE 800-342-2397 I. Lancaster SHORT SALES will have a negative impact on the owner’s credit similar to a foreclosure for a period of time and will most likely prevent them from obtaining another mortgage at a favorable rate for at least 24 months (based on current Fannie Mae rules). II. Except for certain conditions pursuant to the Mortgage Forgiveness Debt Relief Act of 2007, be aware the I.R.S. could consider debt forgiveness as income which could result in the owner owing taxes resulting from the sale of the property and/or the forgiveness of debt by the lender. III. A lender who accepts a Lancaster short sale may pursue a borrower for the difference between the amount owed and the amount paid. In some states, this amount is known as a deficiency. A lawyer can determine whether the loan qualifies for a deficiency judgment or claim. IV. The Lancaster SHORT SALE process can be lengthy. Many lenders will take 4-16 weeks to negotiate and accept a contract and settle. Read more about Lancaster Foreclosure options.

Home Improvements: What Impresses Buyers

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Tue, 30 Jun 2009 05:41:23 -0700

Looking to list your home in Central Pennsylvania? With the current mortgage rates and special programs offered by the government, there's a lot to attract buyers, especially first time home buyers. In order to make your home as appealing as possible, Coldwell Banker Select Professionals is posting the following information regarding the types of economical interior improvements buyers appreciate most. Surely you've heard that updating your kitchen and bathrooms will markedly increase your home's appeal. People spend a lot of time in their kitchens, so they want them to be bright, clean, and modern, but this doesn't mean you have to spend a fortune in remodeling costs. If your home has dated cabinetry in the kitchen and bathrooms, consider painting them with a fresh coat and adding new hardware-you'll be surprised how much this contributes to the overall look. Also, you might want to update your faucets, especially if they are leaky. A spotless sink with new faucets leaves a good impression. The flooring in your home is also very important-hardwood floors are what buyers want. Consider removing carpet in rooms where there is hardwood. If there is no hardwood underneath, make sure the carpeting is as clean and inviting as possible. Neutral colors will be most attractive to the majority of buyers. If your home has tile in the entryway, bathrooms, or kitchen, spend some time thoroughly cleaning the grout and replacing damaged tiles. Finally, a fresh coat of paint on your walls and ceilings will create the kind of first impression you need to sell your home quickly. When potential buyers are looking at your home, they will analyze the walls and ceilings for any problems, so make sure they are spotless and clean. If you have outdated wallpaper or wood paneling, you must remove it or paint over it. Again, neutral tones are the way to go--not only do they brighten instantly, but they are widely appealing to most people. Hopefully, the above gives you a good starting point on how to create a positive first impression with potential buyers. Please contact us if you're looking for personal service and have questions regarding listing your home in Lancaster PA, York PA, Harrisburg PA, Lebanon PA, Hershey PA and Cumberland County. Be sure to connect with one of our agents at www.cbselectpros.com. Coldwell Banker Select Professionals has local offices serving all of Lancaster, Lebanon, York, Hershey, Harrisburg, and Cumberland County PA. ____________________________________________________________________________________ Coldwell Banker Select Professionals, based at 1000 North Prince Street in Lancaster and with additional offices in Lebanon, Hershey & York can be reached at 717-735-8400 or at www.cbselectpros.com. Coldwell Banker Select Professionals serves the Lancaster PA real estate, York PA real estate, Hershey PA real estate, Harrisburg PA Real Estate, Lebanon PA real estate markets with local offices and agents. Search Homes by Map See Coldwell Banker's New Home Communities Throughout Central PA! Interested in Moving to Central PA? Let Coldwell Banker be your perfect partner. Corporate relocation? Coldwell Banker is a Principal Central PA broker for Cartus Relocation Coldwell Banker Select Professionals - We're Always Moving! Visit www.cbSelectPros.com or Call 800-223-9690 today to get started.

Lebanon PA Real Estate - What's My Home Worth Anyway?

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Mon, 29 Jun 2009 09:13:05 -0700

Everyday, new homes are listed throughout Lebanon County PA. While there are many factors that can impact how quickly a particular home sells, one issue is often overlooked by frustrated sellers. If a home fails to entice any buyers within one month, chances are the listing price is not right. Generally, the listing price should be in line with the current market value of the home. However, many sellers don't realize that the market value of a home is impacted by many more factors than simple square footage and the quality of the appliances. If you need help determining the market value of your Lebanon PA home and setting the right price, talk with your real estate agent and consider some of the tips outlined here. One of the first steps a seller may want to consider when determining the appropriate property value is a comparison with recently sold properties. By comparing the square footage, lot size and overall amenities of your home to those that have already sold, you and your agent may gain some valuable insight into the true market value of your property and assistance in setting the asking price. Also, as you get closer to putting your home on the market, try to keep track of other properties listed in the Lebanon PA area. By looking at current listings, determinations can be made about how well homes in the neighborhood are selling and how your assessment of your own property compares with similar sellers. Regardless of how long you have lived in the home, take account of your personal investment. If you have lived in the home for several years, you have probably made a number of repairs or upgrades to the property. As you prepare to list your home, take notes on any such improvements and consult your personal records if necessary. By assessing the value of improvements made to the property, you will be able to work with your agent to determine how your investment affects the current market value of your home. One of the best ways to determine how your home's amenities impact the value is to make a detailed list of the property's features. Your list should include all recent updates to the property, any items that might require repairs and an assessment of the home's overall condition. After compiling your list, work with your agent to establish how each individual feature impacts the overall value of the home and the eventual asking price. For the rest of this article on establishing a home's value visit our Lebanon PA Home Values webpage.

Lancaster County PA Colleges - Many Options To Choose From

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Wed, 24 Jun 2009 08:04:07 -0700

Lancaster Colleges & Schools Lancaster County, Pennsylvania contains ten institutes of higher learning along with 16 public school districts. Colleges and Universities Elizabethtown College Elizabethtown College is a small comprehensive college located in Elizabethtown, Pennsylvania in Lancaster County. The school was founded in 1899 by members of the Church of the Brethren. It is commonly referred to as "E-town." Franklin & Marshall College (F&M) Franklin & Marshall College is a four-year private co-educational liberal arts college in Lancaster, Pennsylvania. It is the 25th-oldest institution for higher education, as well as the 17th-oldest college in the United States. It employs 175 full-time faculty members and has a student body of approximately 2,120 full-time students. Harrisburg Area Community College (HACC) Established in 1964, the mission of Harrisburg Area Community College (HACC) has stayed the same; "To foster educational, cultural, work force development, and economic growth of the college service areas." HACC provides flexible schedules and classes for students that are employed full-time, working toward a career or transfer degree, transferring previous college credits, or studying all year on a part-time basis. Lancaster Bible College Lancaster Bible College and Graduate School, commonly referred to as LBC, is a small Bible college in Lancaster, that "exists for the purpose of educating Christian men and women to live according to a biblical worldview and to serve through professional Christian ministries." For a complete list of Lancaster County colleges and other vocational schools visit the Lancaster PA real estate page devoted to that. ____________________________________________________________________________________ Coldwell Banker Select Professionals, based at 1000 North Prince Street in Lancaster and with additional offices in Lebanon, Hershey & York can be reached at 717-735-8400 or at www.cbselectpros.com. Coldwell Banker Select Professionals serves the Lancaster PA real estate, York PA real estate, Hershey PA real estate, Harrisburg PA Real Estate, Lebanon PA real estate markets with local offices and agents. Search Homes by Map See Coldwell Banker's New Home Communities Throughout Central PA! Interested in Moving to Central PA? Let Coldwell Banker be your perfect partner. Corporate relocation? Coldwell Banker is a Principal Central PA broker for Cartus Relocation Coldwell Banker Select Professionals - We're Always Moving! Visit www.cbSelectPros.com or Call 800-223-9690 today to get started.

Lancaster PA Real Estate - Your Guide To Closing

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Tue, 23 Jun 2009 10:01:51 -0700

After making the decision to buy a home, many buyers are surprised by the amount of work required for a successful closing. To ensure that you are prepared to close on the home, you may want to develop a checklist of necessary steps with your real estate agent. As you prepare to complete the sale and move into your new home, consider the tips offered here concerning the most important tasks facing homebuyers. After you have filed your loan application and placed a deposit on the home, your mortgage lender will provide you with an estimate of closing costs. As the amount provided by the mortgage lender is merely an estimate and can change prior to closing, you are allowed to inspect all the loan documents the day before closing. Once you have confirmed the amount, including the remainder of the down payment, you will need to obtain a certified or cashier's check. In most cases, personal checks are not acceptable for payment of closing costs, so work with your agent if you have concerns about the proper methods of payment. Most real estate professionals recommend performing a final walk-through inspection of the home before finalizing the sale. In most cases, the contract between both parties will include a clause allowing the buyer to inspect the property within the 24 hours prior to closing. At this time, the buyer should make sure the home is vacated, all appliances that the seller agreed to leave in the home are intact and any repairs included in the terms of the sale have been completed. If needed, you can also request that the seller perform a walkthrough with you to explain all of the home's details. For the most part, this final walkthrough is the buyer's last opportunity to ensure the terms of the contract are met. If any problems are uncovered during the inspection, you can work with your agent to obtain funds from the seller for repairs or postpone the closing until all repairs are made. To read the rest of this article visit our Lancaster PA Real Estate guide to closing website.

CLUE Reports: What Does Yours Say?

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Mon, 22 Jun 2009 10:23:17 -0700

Are you considering buying or selling a home in Central PA? If you are, then you should know about Comprehensive Loss Underwriting Exchange (CLUE) Reports. This report-along with your insurance score-is what insurers use to determine how much of a risk you and your home are to insure. Each claim you make-and sometimes even inquires you make regarding your coverage-are included on your report. The report shows a five year history of any claims you have made including the date of the claim, type of loss claimed, and amount paid by the insurance company. Insurers use this information because they believe that a person's history in filing claims will be a good indicator of whether or not they'll file again in the future. If you are a homeowner who wants to access your CLUE report, you have the same rights as you do for accessing your credit score. You are entitled to a free report every 12 months, you have the right to dispute inaccurate or incomplete data, and you are entitled to a notice when an adverse decision is reached regarding your insurability. If you are a buyer who is curious about the claim history on a specific property, you can have your Realtor ask the seller to provide a CLUE report, which will detail any claims made on that property within the previous five years. This will give you a general idea about what types of issues the home has had, and it will help you make a better informed decision. If you would like more information on how to get a free copy of your report, contact the consumer reporting agency, ChoicePoint at (866) 312-8076. You can visit their website at www.choicepoint.com/factact.html. Please contact Coldwell Banker Select Professionals if your looking for personal service and have questions regarding buying a home in Lancaster PA, York PA, Harrisburg PA, Lebanon PA, Hershey PA and Cumberland County. Be sure to connect with one of our agents at www.cbselectpros.com. We have local offices serving all of Lancaster, Lebanon, York, Hershey, Harrisburg, and Cumberland County PA. Get started on your search today! ____________________________________________________________________________________ Coldwell Banker Select Professionals, based at 1000 North Prince Street in Lancaster and with additional offices in Lebanon, Hershey & York can be reached at 717-735-8400 or at www.cbselectpros.com. Coldwell Banker Select Professionals serves the Lancaster PA real estate, York PA real estate, Hershey PA real estate, Harrisburg PA Real Estate, Lebanon PA real estate markets with local offices and agents. Search Homes by Map See Coldwell Banker's New Home Communities Throughout Central PA! Interested in Moving to Central PA? Let Coldwell Banker be your perfect partner. Corporate relocation? Coldwell Banker is a Principal Central PA broker for Cartus Relocation Coldwell Banker Select Professionals - We're Always Moving! Visit www.cbSelectPros.com or Call 800-223-9690 today to get started.

HOMEstead Loan Program for Central PA Buyers

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Thu, 18 Jun 2009 05:32:58 -0700

Looking to buy a home in Central Pennsylvania? Mortgage rates are at historic lows and there's a lot to attract first time home buyers this summer. You may be ready to own a home but need some assistance with the downpayment and closing costs. If you live in Cumberland, Dauphin, Lebanon, or York counties, you may qualify for a no-interest second mortgage from the Pennsylvania Housing Finance Agency (PHFA). Eligible buyers could get as much as $10,000 in order to help with closing costs or a downpayment. The minimum loan amount is $1,000.00, and borrowers must have enough for a downpayment of 3% of the purchase price or $1,000.00 with a minimum credit score of 660. The HOMEstead loan will provide the funds for the remainder of the downpayment and closing costs. In order to apply for this loan, buyers must meet certain income limit and purchase price limit requirements. Also, not all areas in Central PA qualify for this loan, but if you are in Cumberland PA (Carlisle Boro), Dauphin PA (City of Harrisburg), Lebanon PA, or York PA (City of York) and meet the income and purchase price limits, there is a good chance you can take advantage of this no-interest loan. Please contact Home National Mortgage for more information on how this program can benefit your unique situation. If you're looking for personal service and have questions regarding loans, be sure to connect with one of our mortgage specialists at www.homenat.com. They have local offices serving all of Lancaster, Lebanon, York, Hershey, Harrisburg, and Cumberland County PA.

Coldwell Banker News - Silver Lining Seen In Economic Downturn...

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Wed, 17 Jun 2009 08:30:50 -0700

RETIREMENT COMMUNITIES MAY BENEFIT FROM SILVER LINING IN ECONOMIC DOWNTURN 53 Percent of Surveyed Coldwell Banker® Real Estate Professionals in Retirement Havens Report Increase in Retirees Ages 60 and Younger Purchasing Homes PARSIPPANY, N.J. (April 14, 2009) – According to a recent national survey of Coldwell Banker® real estate professionals, over half of those who work in popular retirement areas are seeing younger retirees (ages 60 and under) looking to purchase homes in their markets. Furthermore, 43 percent of all the sales associates and brokers surveyed believe market and economic conditions may cause an increase in demand for retiree homes in their areas throughout the next year. “Over the past couple of years, home prices have declined significantly in the majority of markets with traditional appeal to retirees,” said Jim Gillespie, president and chief executive officer of Coldwell Banker Real Estate LLC. “Younger retirees are taking advantage of these desirable prices and turning the economic downturn into an opportunity.” While the survey indicates that this is emerging trend across the country, driving factors seem to vary regionally. For example, anecdotal feedback from Coldwell Banker real estate professionals in South Florida finds pre-retirees taking real estate-related steps now to support longer-term goals. “Many individuals not yet ready to retire are purchasing these homes and leasing them until they are prepared to move permanently,” said Elaine Harari of Coldwell Banker Residential Real Estate in Bay Harbor Islands, Fla. In desirable areas with low property taxes, such as northeast Arkansas, it’s more common for younger retirees to move from more expensive cities; some even taking jobs for which they can telecommute to save money. Additionally, Coldwell Banker professionals in Michigan note that some retirement communities are experiencing an influx of former automobile company employees who have received early retirement packages. Andrew Brearley, president of Coldwell Banker First Affiliate in Sedona, Ariz. reports a recent increase in sales volume. “Lifestyle is certainly the reason why so many choose to move to Sedona. We have 360 days of sunshine. With the 30 percent price corrections we have experienced, many individuals who are at or near retirement are realizing this is a great opportunity for them. Some buyers who have lost their jobs, taken retirement packages or sold their businesses are moving up their plans for retirement and taking advantage of the low mortgage rates and home prices. Others, who are already here, are moving up.” The Coldwell Banker real estate professionals surveyed offered their perspectives on the top reasons retirees are buying or selling homes, and 33 percent said the No. 1 reason retirees are moving right now is to live closer to their families. Interestingly, 12 percent cited improvements in housing conditions, such as buyer-friendly home prices and interest rates, as the key drivers. Other results from the overall survey include: 53 percent of Coldwell Banker real estate professionals have observed an increase in retirees who plan to downsize from their primary residences into smaller properties. 37 percent are seeing an increased number of retirees who own more than one property sell their primary residences to move to their secondary homes. 23 percent are seeing more people buy different homes for retirement, or move into their previously purchased retirement properties earlier than expected. Methodology: Coldwell Banker conducted an online survey on trends regarding retirement-aged home buyers in March 2009. The survey yielded responses from 1,475 Coldwell Banker real estate professionals across the United States, including 423 agents and brokers in communities typically described as “havens for retirees.” Please contact Coldwell Banker Select Professionals if your looking for personal service and have questions regarding buying a home in Lancaster PA, York PA, Harrisburg PA, Lebanon PA, Hershey PA and Cumberland County. Be sure to connect with one of our agents at www.cbselectpros.com. We have local offices serving all of Lancaster, Lebanon, York, Hershey, Harrisburg, and Cumberland County PA. Get started on your search today! ____________________________________________________________________________________ Coldwell Banker Select Professionals, based at 1000 North Prince Street in Lancaster and with additional offices in Lebanon, Hershey & York can be reached at 717-735-8400 or at www.cbselectpros.com. Coldwell Banker Select Professionals serves the Lancaster PA real estate, York PA real estate, Hershey PA real estate, Harrisburg PA Real Estate, Lebanon PA real estate markets with local offices and agents. Search Homes by Map See Coldwell Banker's New Home Communities Throughout Central PA! Interested in Moving to Central PA? Let Coldwell Banker be your perfect partner. Corporate relocation? Coldwell Banker is a Principal Central PA broker for Cartus Relocation Coldwell Banker Select Professionals - We're Always Moving! Visit www.cbSelectPros.com or Call 800-223-9690 today to get started.

Moving: 10 Tips to Make Life Easier

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Fri, 12 Jun 2009 06:44:30 -0700

Are you planning a move in the near future? With mortgage rates at historic lows and many properties to choose from, now is the time to make your move and take advantage of the current market. Coldwell Banker Select Professionals is posting the following 10 tips to help make your move as smooth as possible. Notify People of your New Address. A month prior to your move make sure you inform all your service providers and the post office that you will be moving. Pack Yourself. You will save money if you have the majority of your possessions packed up and ready for the movers to put in the truck. Organization and prior preparation is key! Get Creative! Consider using old newspapers, towels, and even clothing to protect your more fragile belongings. You don't need to waste your money on all those expensive packing supplies. Boxes, Boxes...and more boxes! You will need more than you think, so plan ahead and start saving them early. Use your Luggage. Make sure you're not bringing empty suitcases to your new home! Pack them full and use every bit of space possible. Color Coordinate. Create a color key for each room in your new home. Each box should be color coded so the movers know exactly where to put them when they unpack. Stick Together. Keep items together that go together. For instance, you'll want to pack a pair of bookends in the same box and all the electrical cords that go with a particular electronic device together. Keep Important Paperwork and Valuables. Make sure these stay with you at all times. You do not want to entrust their safety with the movers! Leave Pets and Small Children with a Friend. Otherwise, they tend to get in the way and make a stressful day even more so. Moving can be a confusing process for kids and pets, so try to minimize their angst by making alternate arrangements for them the day of the move. Survival Kit. Make sure you keep a box of essentials with you in case the movers are late. Also, this kit will ensure that you don't have to scramble to unpack everything as soon as you arrive at your new home. You will have the basics you need together in one box. Few things are more hectic than moving, so keep a positive attitude, remind yourself it will be over soon, and follow these 10 simple tips to make life easier. If your looking for personal service and have questions regarding homes and loans in Lancaster PA, York PA, Harrisburg PA, Lebanon PA, Hershey PA and Cumberland County, be sure to connect with one of our agents at www.cbselectpros.com or one of our mortgage specialists at www.homenat.com. Home National Mortgage and Coldwell Banker Select Professionals has local offices serving all of Lancaster, Lebanon, York, Hershey, Harrisburg, and Cumberland County PA.

5 Reasons to Buy a Home in Today's Market

Coldwell Banker, Select Professionals (Coldwell Banker Select Professionals) — Mon, 08 Jun 2009 08:39:30 -0700

Are you considering buying a home in Central Pennsylvania? With mortgage rates at historic lows and special programs offered by the government, there's lots of reasons to buy, especially for first time home buyers. Coldwell Banker Select Professionals is posting the following list of five reasons to buy a home in order to provide some incentive for you to begin your home search. Appreciation: While the real estate market is cyclical, the general trend is for a home to increase in value. This means buying a home is truly an investment for the future. Pride in Ownership: Owning a home gives you and your family a sense of security and pride-you have a place to call your own where you can do what you like. You can paint the walls any color, landscape to your liking, and remodel the bathroom without asking for someone else's permission. Reduce Income Tax: As long as the balance on your mortgage is smaller than the price of your home, you can deduct mortgage interest on your tax return. You can also deduct what you spend on property tax. Build Equity: As you pay off your mortgage, you are building equity in your home, which will serve you well in the future. As a renter, you are throwing money away-the monthly rent you pay makes no investment in your future. Interest Rates: The current combination of low interest rates and high inventory makes it an ideal time to buy. If you decide to wait, interest rates could increase, which will result in a high monthly payments. Please contact Coldwell Banker Select Professionals if your looking for personal service and have questions regarding buying a home in Lancaster PA, York PA, Harrisburg PA, Lebanon PA, Hershey PA and Cumberland County. Be sure to connect with one of our agents at www.cbselectpros.com. We have local offices serving all of Lancaster, Lebanon, York, Hershey, Harrisburg, and Cumberland County PA. Get started on your search today! ____________________________________________________________________________________ Coldwell Banker Select Professionals, based at 1000 North Prince Street in Lancaster and with additional offices in Lebanon, Hershey & York can be reached at 717-735-8400 or at www.cbselectpros.com. Coldwell Banker Select Professionals serves the Lancaster PA real estate, York PA real estate, Hershey PA real estate, Harrisburg PA Real Estate, Lebanon PA real estate markets with local offices and agents. Search Homes by Map See Coldwell Banker's New Home Communities Throughout Central PA! Interested in Moving to Central PA? Let Coldwell Banker be your perfect partner. Corporate relocation? Coldwell Banker is a Principal Central PA broker for Cartus Relocation Coldwell Banker Select Professionals - We're Always Moving! Visit www.cbSelectPros.com or Call 800-223-9690 today to get started.