Cyndi Hartsock's (hartsock) Blog

What is a Flat Fee MLS service? Want or need to sell your home on your own but still willing to pay an Agent who brings you a Buyer? Need the advertising power a Realtor's marketing tools can bring? Recent reports by the National Association of Realtors (NAR) say that as many as 80% of buyers sta...

Welcome Home Program   The Federal Home Loan Bank of Cincinnati has established a set-aside of Affordable Housing Program (AHP) funds to help create homeownership. These funds are available to Members as grants to assist homebuyers under the Welcome Home Program. This is a general description of...

According to RealtyTrac 2008 U.S. Foreclosure Market Report, foreclosure filings were up 81 percent in 2008.  Sad to say for homeowners who bought in the last few years who need to sell, but these properties are the driving force in the market now. Eviction notices, sheriff sales and bank reposse...

Interesting blog from another realtor - different area - very similar trends.  Everyone seems to be in the same boat right now given the market conditions.To sell your house or not sell your house, that is the question. Now here's my answer: Folks property pricing is key.  And if one more "potent...

What is a HUD Home?A HUD home is a 1 to 4 unit residential property acquired by HUD as a result of a foreclosure action on an FHA-insured mortgage. HUD becomes the property owner and offers it for sale to recover the loss on the foreclosure claim. Who can buy a HUD Home?Almost anyone! If you have...

 Is your home in jeopardy? Are you behind on your bills? Are your mortgage payments behind? Did your interest rate just jump way up...or is about to? Did you or your spouse just lose their job? Facing a separation or divorce? Death or serious illness in the family? Home no longer worth what you p...

Lima Ohio real estate this past year has been interesting to say the least!  Homes are still selling...but at declining prices and much longer days on the market.  Not to mention the flood of foreclosures still pummeling the Northwest Ohio area.  I am still hoping that the historically low intere...

I am considering using a SMS marketing technique in my 2009 marketing plan.  Has anyone had success with this medium?  Also, I am having a difficult time narrowing the choices of what SMS marketing systems work best and are the most cost effective long-term.  Please advise if anyone has good or b...