tammy hines home tour 4.4

12
Columbia / Waterloo Illinois Edition Volume 4 Issue 4 Tour & Columbia Waterloo Illinois HOME OM M OM O OM HO O E M H OM OM O O O O O O H H O O O O O O O O O O O O E E M E M H H H H H E E E E E E E E E E E E E E E E TAMMY MITCHELL HINES & CO. Go to CallTammy.com for 50 Fun Things to Do

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Tammy Hines Home Tour 4.4

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Page 1: Tammy Hines Home Tour 4.4

Columbia / Waterloo Illinois EditionVolume 4 Issue 4

Tour&C

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HOMEOMMOMOOMHOO EMHOMOMOOOOOOHHOOOOOOOOOOOO EEMEMMHHHHH EEEEEEEEEEEEEEEE

TAMMY MITCHELL HINES & CO.

Go to CallTammy.comfor 50 Fun Things to Do

88818.4.3.999:Layout 1 4/9/13 2:58 PM Page 1

Page 2: Tammy Hines Home Tour 4.4

Tammy Mitchell Hines, ABR, CRS, GRI, SFR, CDPEA note from Tammy:

Spring is here and sales are starting to heat for the Spring market. There are a lot of properties going on the market. This year we haveseen many multiple offer situations. That means there are several buyers making offers on the same home. This is a great situation for sellers asthey are able to maximize the most out of their home's value.

Interest rates remain low which allows buyers to qualify for a larger home. For those of you who already own a home, make sure youhave a competitive interest rate. If you have not refinanced in the past few years, you might be able to save hundreds of dollars on yourmortgage payment.

We are always here for you if you have any real estate questions. If you are looking to sell, we have a great marketing planthat we would be happy to share with you. If you are looking to buy, we have fantastic Buyer's Agents who will listen to your needs andfind you the perfect home!

Happy Spring! We look forward to hearing from you! Give us a call today at 939-HOME or 281-HOME. We are alsoavailable by email at [email protected].

207 N. Main Street, Suite 101Columbia IL 62236

618-281-HOME (4663)618-939-HOME (4663)www.CallTammy.com

Sherrie Snow,Office Manager;Client Care Manager618-281-3959Ext. 10

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Carla Mercer,REALTOR,Buyer's Agent618-207-1804

Chris LaValle,REALTOR, Buyer'sAgent, Broker,GRI618-920-8885

Dan Haven,REALTOR,Buyer's Agent618-719-9529

Marcie Dudley,AdministrativeAssistant618-281-4663

Columbia - Beautiful Place to Build Your Dream Home Ext. 2145Stonecrest is just 5 minutes from Rt. 3 at 255. This is a country subdivision only minutes from town yetthe serenity of the countryside. There are just 7 lots left and they are just beautiful! Most of them are eitherwooded or back to trees for privacy. The lots range in size from 1 acre to 3 acres in size. There is acommunity lake set in a park like setting. Public water, high speed internet, fiber-optic telephone, lightedconcrete streets and sidewalks. This would be an amazing place to build your dream home.

ONLY3 LOTSLEFT!

$20,000price decreaseLots start at

$55,000

Homes by Email.

We would be happy to email you a list of homes for salein your area and price range.We will keep you up to date on all property as it hitsthe market.

Just email us at [email protected] call 281-HOME (4663).

We look forward to hearing from you!

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Page 3: Tammy Hines Home Tour 4.4

--33--

Buy Or Sell With Me ...Use MyTruck FOR FREE! Follow Us On:

For a voice description on these properties, please call 1-800-239-2519 and dial the 4 digit extension of the home.

Welcome to Stonehenge. The name

itself evokes timeless craftsmanship, inspired beauty &simple elegance. The serene country setting issurrounded by trees, complimented by three quiet lakes,& frequently visited by wildlife. The community atStonehenge is a relaxing retreat & a feast for the eyes.There are still many beautiful lots for sale in Stonehenge.We invite you to drive around, look at the lakes and walkthe lots. As you walk the lots you will be amazed theviews many of these lots have to offer. Or you arewelcome to call us and we would be delighted to giveyou the grand tour. There are restrictive covenants toprotect your investment. The lots start at $57,000.

Stonehenge, ext. 2825Fabulous new subdivision with 1-plus acrelots, floor plans starting from $299,900,lots starting at $57,000. Many beautiful

lake lots available. Millstadt Grade School.

Houses start at

$299,900

AMAZINGPRICES ONLAKE LOTS

LOT #21 - $62,000LOT #24 - $66,000LOT #36 - $79,000LOT #37 - $77,000LOT #38 - $69,000LOT #39 - $79,000LOT #42 - $62,000

Homes sold from January to March 2013325 N. Market St., Waterloo602 Rockhampton, Columbia821 Briar Lake Pl, Columbia2256 Turkey Ridge, Waterloo3436 Maeystown Rd., Waterloo507 S. Lafayette, Millstadt10 Eaglecrest, Columbia8050 Barn Rd, Waterloo521 Mary Dr., Waterloo539 Shamrock Dr., Waterloo

602 Pines Way, Columbia1350 Rueck Rd., Columbia607 Amber Tree, Columbia6046 Willow Bend Ln,Waterloo708 S. Library, Waterloo407 Sandalwood, Waterloo215 Harrisonville, Valmeyer307 N. Metter Ave., Columbia609 Autumn Rise, Columbia603 Rockhampton, Columbia

126 Madison, Red Bud9344 Christopher Lake, Columbia1216 White Pine, Columbia7117 Bluffside Rd., Columbia408 Hillcrest Dr., Waterloo1525 Ontario Dr., Waterloo1227 Main St., Maeystown6467 Old Baum Church,Waterloo224 W. 4th St., Cahokia2505 Keim Rd., New Athens

This data is compiled from the Southern Illinois Regional Multiple Listing Service. Properties are listed and sold by various brokers.

COLUMBIA $379,900 5 BR, 3 Bath,

2 fireplaces, all brick

COLUMBIA $289,900 3 Br, 4 Bath

Beautiful Setting with 2 Lakes.EXT. 3725

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Page 4: Tammy Hines Home Tour 4.4

www.CallTammy.comPrices are constantly changing, please check our website for current prices.

--44--

For a voice description on these properties, please call 1-800-239-2519 and dial the 4 digit extension of the home.Great Investment Opportunities / Homes Under $100,000

COLUMBIA 2 BR, 1 Bath, Granite in Kitchen

CAHOKIA 4 BR, 1.5 Bath with Large Fenced

Yard EXT. 2375

DUPO 3 BR, 1 Bath with full basement

EXT. 2755

MILLSTADT 2 BR Fixer Upper EXT. 2425

DUPO 3 BR, 1 Bath, updated kitchen

EXT. 3415WATERLOO

Brick 3 BR, 1 Bath 1.5 Story, Lots ofPotential EXT. 3565

DUPO 3 BR, 2 Bath Mobile Home on

Leased Lot EXT. 3885DUPO

2 BR, 2 Bath 1.5 Story, Basement,Double Lot EXT. 3485

DUPO 3 BR, 2.5 Bath, updated floor

coverings, basement w/ wet bar, lg lotEXT. 3465

DUPO Cute 2 BR, 1 Bath 1.5 Story EXT. 2525

FREEBURG 5 Unit building with 2 BR

Stand Along Home EXT. 3765

HECKER/WATERLOO SCHOOLS 3 BR, 1 Bath 1.5 Story, Lots of Space

EXT. 3645

Homes Priced $101,000 - $150,000

DUPO Freshly Painted 2 BR, 2 Bath, 1 Car Garage EXT. 2275

WATERLOO 2 BR, 1 Bath Brick Ranch with Basement

on 1+ Acres EXT. 3635

DUPO 4 BR, 2.5 Bath, Ready to Move into

WATERLOO - $499,000 3 BR, 3.5 Bath, 10 acres, outbuilding, finished walkout basement

CHECK OUT THISHOME ON 10 ACRES!!

DUPO3 BR, 2 Bath Tri-Level w/ Lookout Basement

EXT. 3506

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Page 5: Tammy Hines Home Tour 4.4

WHETHER YOU ARE BUYING OR SELLING CALL US TODAY!

--55--

618-281-HOME (4663) OR 618-939-HOME (4663)

For a voice description on these properties, please call 1-800-239-2519 and dial the 4 digit extension of the home.Homes Priced $101,000 - $150,000

Homes Priced $151,000 - $200,000

RED BUD 4 BR, 2 Bath Bi-Level w/ Oversized

2 Car Garage EXT. 3833COLUMBIA

2 BR, 1 Bath Condo EXT. 2005

WATERLOO 3 BR, 2 Bath Brick Ranch w/

Basement

COLUMBIA Charming Lustron Home, 2 BR, 1Bath w/ Lots of Updates EXT. 3825

MILLSTADT Adorable 3 BR, 2 Bath with Open

Floor Plan EXT. 3335FULTS

Nicely Updated 3 BR, 2 Bath 1.5Story Home EXT. 3885

COLUMBIA Updated 2 BR, 1 Bath, basement

EXT. 3675DUPO

New Construction 3 BR, 2 Bath, 2 car gar

BELLEVILLE 3 BR, 2 Bath Detached Townhouse,basement, 2 car garage EXT. 3795

COLUMBIA 4 BR, 2.5 Bath 1.5 Story, full

basement EXT. 3355

DUPO 3 BR, 2 Bath 1.5 Story, Open Floor plan, Master

BR on Main Floor, Fenced yard EXT. 3265

SMITHTON 3 BR, 2 Barh, FR in Basement w/rough in, 2 car garage EXT. 3615

COLUMBIA 3 BR, 2.5 Bath 1.5 Story, nice

landscaping & large yard EXT. 3755

MARYVILLE 3 BR, 3 Bath Townhouse, full base-

ment, 2 car garage EXT. 3845

WATERLOO 4 BR, 2.5 Bath 1.5 Story, basement w/

rough in EXT. 3745

WATERLOO Duplex, Each side 2 BR, 1 Bath,Basement, 1 Car gar. EXT. 3655

WATERLOO New Split Bedroom Plan, 3 BR, 2 Bath

Ranch, full basement

WATERLOO 3 BR, 2.5 Bath, finished basement,

backs to trees EXT. 3585COLUMBIA

Waterloo Schools - 3 BR, 2.5 Bath 1.5Story on 2.5 Acres in Country Setting

EXT. 3705

WATERLOO 4 BR, 3 Bath Two Story, FDR, Lg

Fenced Yard EXT. 3475

WANT MORE INFORMATION ON ANY OF THESE LISTINGS?

Call 1-800-239-2519 and enter the ext. number to hear a description of the

home you are interested in

DUPO 3 BR, 2 Bath, oversized garage,

vaulted ceiling

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www.CallTammy.comVisit Our Website for Virtual Tours, Interior Photos & Video Tours

--66--

Homes from $109,900Open Sat/Sun 11-5

4 Bedrooms, 2 Baths From $119,900

Ten minutes fromDowntown or South County. Dupo, IL

Call Today! 281-4663

Check out These Homes:

WATERLOO$212,500

3 BR, 2 Bath oncorner lot,

full basement w/roughin EXT. 3025

1/2 off Options up to$16,000

Country Setting 1 mile from shopping!Now from $159,900

Open Sat & Sun 11-5Want to build your own home in Waterloo?

COLUMBIA$299,900

Updated &Spacious 4 BR, 4Bath Ranch, 3 cargar, finished base-

ment EXT. 3895

MILLSTADT$225,000

2 BR, 2 Bath on 5 acres withshared lake

FULTS WATERLOOSCHOOLS

4 BR, 6 Baths on5 Acres & 2Outbuildings EXT. 3695

RED BUD $139,900

4 BR, 2 Bath Bi-Level on cul de sac EXT. 3835

COLUMBIA$432,500

5 BR, 4 Bath TwoStory on 1.81

Acres, with finishedwalkout basement

EXT. 2615

WATERLOO$197,000

4 BR, 3 Bath Two Story with

Huge Yard EXT. 3475

COLUMBIA$114,900

2 BR, 1 BathLustron Home

with Lots ofUpdates EXT. 3825

WATERLOO $272,500

4 BR, 3 Bath, onlake with 2 car

attached & 2 cardetached garage,

walkout basement.

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134 S. Main Columbia, IL 62236Michael J. Budde, RPHBUS: (618) 281-5135FAX: (618) 281-4181

Emergency: (618) 281-7575CELL: (618) 420-7720

Valid for in-store use only and only at theColumbia, Illinois location. With coupon.

Not valid on insurance co-pays.Expires 6-11-13

$10VALUE00

WITH NEW OR TRANSFERREDPRESCRIPTION

Cash Purchase:

Prescription Card:

$10 OFF Prescription

$10 OFF MedicineShoppe® Brand Products(Non Prescription)

ADVERTISING OPPORTUNITIESARE AVAILABLE!

PLEASE CONTACT TAMMY FOR PRICING.618.281.HOME (4663)

Memory LaneGifts & Floral

“Your One Stop Gift Shop”Full Service Florist & Tuxedo Rental

Monday-Friday 9am-6pmSaturday 9am-5pm515B N. Main Columbia, IL 62236

Pam Haberl - Owner 618-281-4538• Fresh Florals For All Occasions * Holidays• Teleflora Wire Service• Weddings, Receptions & Invitations• Funerals, Green Plants & European Dishgardens• Custom Silk Design & Gift Baskets• Candles, Angels & Other Giftables• Delivery Available

www.memorylanefloralandgifts.com

Cintas Document ManagementWe are servicing businesses in your area and would like to helpyou with your shredding needs.Not sure you need confidential document destruction?

Thereʼs more at risk than you think!

These are just a few examples:- Invoices- Trademark information- Bank Statements- Inaccurate sales literature- Sales figures- Back-up disks- Tax returns

Contact us today fora quote: 314-595-5200www.cintas.com

VisitTammyCares.comfor more information or call281-HOME (4663)for a private consultation.

Having Trouble MakingYour House Payment?

Are you looking to BUY a home?Some homes are selling FAST. Sometimes there

are even multiple offers on a home.

Our Buyer's Agents, Dan, Chrisand Carla can help you packageyour offer the best they can.Call us today!We would love to help youfind your dream home!

281-HOME (4663)

SMITHTON - $895,0004 BR, 5 Bath with lots of amenities on

4 Acres with a lake EXT. 5095

FOR SALE

WATERLOO - $489,90016 Acres, Clubhouse, Outbuilding, Lake & 3BR, 3.5 Bath House with Wrap Around Deck

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Page 8: Tammy Hines Home Tour 4.4

www.CallTammy.comVisit Our Website for Virtual Tours, Interior Photos & Video Tours

--88--

For a voice description on these properties, please call 1-800-239-2519 and dial the 4 digit extension of the home.Homes Priced $201,000 - $300,000

WATERLOO 3BR, 2 Bath spec, decked out

EXT. 2605COLUMBIA

4 BR, 3.5 Bath, Finished LookoutBasement, 3 Car Gar EXT. 3895

Ledgestone Estates in Smithton...just 10 minutes from Belleville and about 30 minutesfrom St. Louis. Homes start at $169,900 with lots ofgreat standard features including island in kitchen, gasfireplace and vaulted ceilings. Many homes includegranite counters. Also there are 30 lots available foryou to build that special home

Currently Available:

WATERLOO 3 BR, 2 Bath Ranch, New Construction,

walkout basement, 3 car garage

COLUMBIA3 BR, 2 Bath, 1,760 sq. ft., LookoutBasement in Village of Wernings

Buy Or Sell With MeUse My Truck FOR FREE!

618-281-HOME (4663) OR

618-939-HOME (4663)

FAIRVIEW HEIGHTS 4 BR, 4 Bath 2 Story Home, Tons of

Space, Finished Basement EXT. 3575

WATERLOO 3 BR, 2 Bath 2 Story, walkout

basement, 3 car garage

MILLSTADT 2 BR, 2 Bath on 5 Acres/Lake EXT. 3715

COLUMBIA3 BR, 2 Bath, 1,612 sq. ft., Lookout Basement in

Village of Wernings

SMITHTON New 3 BR, 2 Bath, full walkout

basement EXT. 3625

WATERLOO (VALMEYER SCHOOLS) 3 BR, 3 Bath, finished walkout

basement on 8+ Acres EXT. 3525

$218,000 3 BR, 2 Bath, 3 Car Garage,

Full Walkout BasementEXT. 2855

$239,900 3 BR, 2 Bath display Home w/ Full Lookout Basement

EXT. 3785

$249,900 3 BR, 2 Bath Backing to Trees,

Full Walkout Basement EXT. 3625

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--99--

Buy Or Sell With Me ...Use MyTruck FOR FREE! Follow Us On:

LLoottss && LLaannddBELLEVILLE - 3 One Acre Lots in Wyndrose Estates $49,900 to $56,900 EXT 2885

COLUMBIA - address/Waterloo Schools - Wide open 5 acre lot with 40 x 48 Outbuilding $119,000 EXT. 2905

COLUMBIA - address/Waterloo Schools - 2.5 Acre flat lot in Wessel Farms $54,900 EXT. 3325

COLUMBIA - address/Waterloo Schools - 3.93 acre lot with lake/pond view $59,900 EXT. 3425

COLUMBIA - Beautiful 42 acres off D Road w/ shared lake $550,000

COLUMBIA - 0.7 acre lot in Brellinger on the Golf Course - $89,000 EXT. 2335

COLUMBIA - .38 corner lot - $42,000 EXT. 2065

COLUMBIA - 1.89 acre lot - $94,900 EXT. 2175

COLUMBIA - Beautiful .61 acre lot at end of cul de sac $55,000 EXT. 2725

COLUMBIA - Beautiful corner lot in Brellinger Subdivision $79,900 EXT. 3875COLUMBIA - 74+ Acres of wooded property, platted & approved for 43

$1,492,000 EXT 3305

COLUMBIA/WATERLOO SCHOOLS - 9.43 Acres that is open and wooded EXT 3965

SMITHTON - $45,000 - Nice 1.13 Corner lot in Wildwood Lake Estates. EXT. 3805

SMITHTON - $44,900 - lg lot approx. 1 acres backing to trees and lake EXT. 3275

VALMEYER - on culdsac w/ woods and walkout lot - $37,500 EXT. 2205

VALMEYEER - 3 Lots $25,000 each EXT 3075

VALMEYER - Nice .44 Acre Wooded Lot $35,000 EXT 3075

WATERLOO - 2.5 acre lot, mostly wooded w/creek - $29,500 EXT. 2945

WATERLOO - .78 acre lot in Westview Acres $40,000 EXT. 5065

WATERLOO - 21 acres w/ 50 x 30 pole barn $199,000 EXT. 2045

WATERLOO - 1.57 acre wooded lot in Chantilly Village $25,000 EXT. 5155

WATERLOO - 2.5 Acres, mostly wooded w/ creek $29,900 EXT 2945

WATERLOO - Private & gently rolling 14.97 acres with trees $119,900 EXT 2545

For a voice description on these properties, please call 1-800-239-2519 and dial the 4 digit extension of the home.Homes Priced $300,000+

WATERLOO 4 BR, 3 Bath 1.5 Story Home on

4.48 Acres w/ Pond EXT. 3455

COLUMBIA 4 BR, 5 Bath, 1.5 Story w/ FinishedWalkout Basement, 3 Car Garage

EXT. 3345

COLUMBIA 4 BR, 4 Bath Log Home on 8+ AcresWaterloo School District, horses

allowed EXT. 3665

COLUMBIA 4 BR, 4 Bath Two Story, 4 Seasons

Room, basement, 3 Car Gar EXT. 3855

SWANSEA 5 BR, 5 Bth 1.5 Story 4 Car Garage

EXT. 3595SMITHTON

4 BR, 5 Bath Two Story, FinishedWalkout Basement on 4 Acres w/

lake EXT. 5095

WATERLOO 4 BR, 3 Bath All Brick 1.5 Story Home onBeautiful 21.42 Acres with Stocked Pond,Outbuilding, Horses allowed. EXT. 3916

WATERLOO 4 BR, 3 Bath Brick Ranch, finishedw/o basement on lake EXT. 3925

WATERLOO $389,900 3 BR, Office, 3 Car Garage, Finished Basement. Incredible outdoor living space with

pavered patio, kitchen, fire pit and fenced in heated, salt water pool.EXT. 3935

88818.4.3.009:Layout 1 4/11/13 11:29 AM Page 1

Page 10: Tammy Hines Home Tour 4.4

www.CallTammy.comVisit Our Website for Virtual Tours, Interior Photos & Video Tours

--1100--

ILLINOIS

INSPECTION

SERVICE

PETE BARNESLicensed & Insured

License #405.0002799

Office: 1-877-907-4500Email: [email protected]

Inspected Once Inspected Right

•• MMIILLIITTAARRYY DDIISSCCOOUUNNTT ••

Serving IL and St. Louis City and County

AAccentccentTitle, Inc.Title, Inc.

“For All Your Real Estate Title Needs”

Residential & Commercial ClosingsLocally Owned & Managed Elizabeth Gallagher, Atty • Kathy Neal & Donna Washausen

P: 618-281-2040 • F: 618-281-2041

404 N. Main St. • Columbia, IL 62236

kkaatthhyy@@aaccccttiittllee..ccoomm

ddoonnnnaa@@aaccccttiittllee..ccoomm

Bring This In For$25.00 Off your

Closing FeeServing The Counties Of

Monroe, St. Clair,Madison & Randolph

CCOOLLUUMMBBIIAA KKIINNDDEERR CCOOLLLLEEGGEEWWWWWW..CCOOLLUUMMBBIIAAKKIINNDDEERRCCOOLLLLEEGGEE..CCOOMM

“Forming a Brighter Future”

111144 WWEESSTT CCHHEERRRRYY SSTTRREEEETTCCOOLLUUMMBBIIAA,, IILL 6622223366661188..228811..55111155 PPHHOONNEE661188..228811..55111100 FFAAXX

Columbia Kinder College is a unique andprogressive child care facility conforming tomodern technology with computer, foreign

language, fine arts and other highly structurededucational programs.

Our educated and certified staff providehands on learning, interactive play andare committed to offering loving care,

individualized instruction and enrichingactivities to help your child

form a brighter future.

Educational &Foreign

LanguageProgram

Age Appropriate

Playgrounds &Greenhouse

ComputerTechnology

Room

ADVERTISING OPPORTUNITIES ARE AVAILABLE!

PLEASE CONTACT TAMMY FOR PRICING.618.281.HOME (4663)

Our Mission Statement:

As an experienced Real Estate Team our purpose is togive great service, exceed expectations and ALWAYS

work in our client’s best interest.

Southview Villas. Waterloo

Many options for Maintenance Free Living in a beautiful community with Brickand Stone fronts, Carriage Style Garage Doors and much more!

Checkout Out Our NewWebsite....

www.CallTammy.com

15 Lots available, Builders Welcome, $35,000 each lot

Don't Make a Move Without Us!Buy or sell Your Next Home with Tammy Mitchell Hines &

Co and Use Our Moving Truck for FREE....Call

618-281-HOME OR 939-HOME (4663)

Who said you can't get anything FREE today?All you do is buy or sell your home with usand you can reserve your date to use thetruck! If you have a charitable or communityproject that needs a truck, call us! We'll letthem use it for FREE too.

88818.4.3.010:Layout 1 4/9/13 2:56 PM Page 1

Page 11: Tammy Hines Home Tour 4.4

THE LANE GROUP102 N. Main StreetColumbia, IL 62236

618.281.5171

www.TheLaneGroup.MKAdvisor.com

Morgan KeeganA Regions Company | Morgan Keegan & Company, Inc. | Member FINRA, SIPC

Not FDIC Insured | May Lose Value | No Bank Guarantee

Checkout Out Our NewWebsite....

www.CallTammy.com

Tammy Did It Again!

SOLDTAMMY SELLS A PROPERTY

EVERY 48 HOURS!

www.CallTammy.com

Don't Make a MoveWithout Us!

618-281-HOME OR939-HOME (4663)

www.CallTammy.com

88818.4.3.011:Layout 1 4/9/13 2:57 PM Page 1

Page 12: Tammy Hines Home Tour 4.4

Short Sale Way

Foreclosure Road

Did you know you have options?You are not alone.

If you are having trouble making your house payment aShort Sale may be a better option for your than Foreclosure.I have helped many families sell their home through theShort Sale process. I can help you find solutions like I have

done for others. Call Me Today.

Tammy Mitchell Hines & Co.Help Line...281-HOME (4663)

Go to

www.TammyCares.comfor more information

Have you faced a Foreclosure or a Short Sale in the past 5 years? Would you like to buy a homeagain? Now is the time to start rebuilding your credit and we can help. Give us a call at 281-3959and we can start the process.

Prospective buyers whoʼve experienced a foreclosure or bankruptcy can expect the following waitingperiods before they can seek loan approval.

Waiting Periods:Fannie Mae and Dept. of Veterans Federal HousingFreddie Mac Affairs Administration

Foreclosure

Chapter 7 or 11Bankruptcy

Chapter 13Bankruptcy

Seven years, but the lender willmake exceptions at three years ifextenuating circumstances are metsuch as job loss or death of a wageearner.

Generally, not less than two years withforeclosures and bankruptcies filedunder straight liquidation anddischarge provisions. If the foreclosurewas on a VA loan, the buyer must havepaid the VA for its loss beforequalifying for a new VA loan.

Three years, but the FHA maygrant an exception if theforeclosure was a result of seriousillness or death of a wage earnerand the borrower hasreestablished good credit.

Four years (two years withextenuating circumstances).

Under a Chapter 7, two years afterthe discharge with reestablishedgood credit or no incurred newcredit obligations,

Two years from discharge date;four years from dismissal date.

After making 12 months ofpayments to a court-appointedtrustee and the trustee or thebankruptcy judge approves newcredit.

One year current on requiredpayments to be considered.

Reprinted from REALTOR® Magazine, March/April 2013, with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2013. All rights reserved.

St. Louis Magazine has awarded Tammy Mitchell Hines withthe 2013 Real Estate Agent Five Star Award.

Congratulations Tammy!Real Estate agents who have been chosen for the 5 star awardhave successfully satisfied key client satisfaction criteria andscored highest in overall satisfaction. A 3rd party identifies RealEstate agents in a local market that score highest in overall satis-faction. In all 5 star award winners represent no more than 7% ofprofessionals in their market area.

Realtors are evaluated on 9 Service Attributes:• Customer Service• Market Knowledge• Communication• Integrity• Negotiation• Finding the Right Home• Marketing the Home• Close preparation• Overall Satisfaction

Tammy has hadthe honor ofreceiving thisaward for over

7 years.

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