Ozzie Sez: t o0V1-411 Steve Leibhan, CRB, GRI, QSC Sales Manager, Real Estate One Associate Broker rVAI . tot I-VOSC velacil ttiS .toe Aa rttilttl' Looking for the lowest rate and payment possible? Consider an Adjustable Rate Mortgage. We offer such a wide selection, we can customize just the right loan for your financial circumstances. We even offer adjustable mortgages that feature a fixed-rate period of 3, 5, 7 or 10 years. And the rates are lower than 30-year fixed rate loans. Rates start at 1.25%. FREE APPRAISAL WITH THIS AD! ($275 Value) REAL ESTATE TALK Q. A co-worker suggested we sell our house by owner and save the call Ozzie Jacobson 248-968-3499 direct PREMIER MORTGAGE FUNDING, INC. Office: 248-968-5850 25900 Greenfield Fax: 248-968-5854 Suite 413 Cell: 248-761-2661 Oak Park, Michigan 48237 ozziej@prnfop.com 900100 BEFORE OUR GRAND FINALE COMES TO AN END! • Outstanding #1 ranked West Bloomfield schools • Exciting new floorplans up to 4,400 square feet! • Each home personally customized • Prestigious entrance, sidewalks & 3-car garages *Fabulous decorated models on display brokerage commission. Is this a good idea? BRL - Farmington Hills A. It may appear to be a reasonable choice, however, I feel strongly that a Realtor will net you more money than if you attempt the job yourself. There are a myriad of details that accompany real estate transactions and a Realtor has been trained to handle every one of them. You should consider the following: • Are you able to be at home to qualify and to show prospects your house throughout the day? • The security of having a Realtor accompany all prospects is reassuring. • The multiple listing service exposes your property in ways that an owner selling privately cannot take advantage of. • There are additional costs incurred when selling yourself: • additional attorney fees • for sale and open signs • advertising costs in the newspaper for several months • Transferees work with Realtors because they don't know the areas and don't have time to read your various ads. • One overlooked factor is that sophisticated buyers often discount your price by the brokerage fee and then begin to negotiate. Where then, is the savings to you? A house is typically your most important asset. I believe a Realtor can help you protect this investment with professional services to allow you to get top dollar in the shortest time with the fewest problems. Questions for this column may be directed to: FROM THE MID $500/s WE BUILD OFFSITE! 913170 11/26 2004 88 Maple Road, just west of Farmington Road. Models Open Daily Noon-6 PM Closed Thursday. Presented 131 The Cr 248-661-5353 Organization www.hermanfrankel.com STEVE LEIBHAN 32961 Middlebelt • Farmington Hills 48334 248-851-4100 - Ext. 405 sleibhan@realestateone. corn Brought to you by Carri Cold ring John Adams Mortgage Co. 248-855-8800 909050