classifieds work harder for you!
LAKE PROPERTY FOR SALE
LAKE PROPERTY FOR SALE
50' LAKEFRONT PROPERTY
interesting and happy adult?
1/3 acre buildable lot with existing
640 sq. ft. vintage cottage and
storage garage. Walk to
Huron Valley Sinai Hospital.
Do you want your child to
become a creative,
Contact Helen Kerwin,
pianist, M.A., MTNA, NCTP
OF STATE FOR SA
Find your perfect Florida home
for a fraction of the cost!
Private piano lessons for those ages 8-80
Class piano lessons for those ages 4-7
KEYES REAL ESTATE
Throughout South Florida, including Boca, Boynton & Delray
Let an old friend be your
NINA S. SPINNER-SANDS
DISABILITY MADE EASY
-Bathroom Safety Products
-Stairlifts & Platform Lifts
-Portable & Rental Ramps -Barrier Free Construction
"Raised in Detroit
Experienced in Arizona"
1729 E. 14 Mile Rd. • Ste 220 • Troy • MI • 48083
Licensed • Insured
DeVinney Czarnecki Physical Therapy, P.C.
REAL ESTATE FOR SALE
Specializing in Manual Therapy and Exercise
Loren DeVinney, PT., 0.M.P.T.
John Czarnecki, PT., 0.M.P.T.
6020 W. Maple Rd., Suite 500, W. Bloomfield, MI 48322
(248) 851-6999 • www.dcptonline.com
Get Your House....
Selling • Leasing • Management • Residential & Commercial
R it W AI
SUPPORT OUR COMMUNITY,
SHOP WITH OUR ADVERTISERS!
Mention that you saw them in the JN!
September 5 • 2013
My wife and I just fisted our home with a realtor
for 3 months but we have decided we would like
to change to a family friend who is a realtor as
well. Is that allowed or legal?
Since you have a signed contract for 90 days, you would have
to get your current agent's permission to be released from the
contract so you can go with the other agent.
Your agent will attempt to persuade you from making the
change, but will release you because they don't want to
provoke any bad will. The agent will be reluctant of course,
especially since you just "changed your mind," and cannot
point to any lack of performance problems.
The agent can also refuse to release you from the listing
agreement. In that case, you will need to wait it out or take
your home off the market for the rest of the listing period.
How is closing at the end of the month
beneficial to me?
Homes • Condos
Sales • Rentals
e are pleased
to announce a
new and exciting
weekly feature for the readers
of the Jewish News.
Expert Realtor, Mitch
Wolf will be answering your
real estate questions using his
over 30 years of experience
with first time buyers to
empty nesters and everyone
As the broker and owner
of Cranbrook Real Living
and as a market leader in
Southeast Oakland County,
Mitch is proud to say he has
been with this premier firm
since it's inception.
The real estate market is
continuously changing and
it is of utmost importance
National Award Winning Recruiter
to have a real estate expert
to guide you through the
process. As designated Realtors, the agents of our company
are held to the highest of standards set by the Metropolitan
Consolidated Association of Realtors, the Michigan
Association of Realtors as well as the National Association
of Realtors. Our role as your advisor and negotiator is one
we take on with dedication and commitment.
At Michigan Metropolitan Realtors' we are ready to guide you through
the entire Home Selling Process. With over 100 years of experience
our Honesty, Accuracy and
Professionalism will provide a high
I r ■ lit..1-11s,.-1
quality experience. Knowledge
combined with the understanding
, RE LT
of today's real estate market will
ensure the best possible outcome
whether leasing or selling.
MICHIGAN METROPOLITAN REALTORS -
Closing at the end of the month will help to lower your
out of pocket cost by minimizing the amount of "prepaid
interest" you pay on your mortgage at closing.
Interest on your mortgage begins running from the date
your transaction closes, but most loans are due on the first
day of the month. So when you close, you "pre-pay" the
interest between the closing date and the end of the month.
For example, if you close on the 29th of August, you prepay
one day of interest to cover the rest of August interest. Your
first payment will be due October 1st, when you will actually
be paying September's interest.
As a different example, if you close on the 6th of
September, you prepay 24 days of interest. You will have to
bring in more cash to close your real estate purchase than
would have been required by closing just eight days earlier.
Nevertheless, the benefits of a late-in-the-month closing
are only short-term.
With the August 29 closing, your first payment due-date will
be October 1. With the September 6 closing, your first payment
is not due until November 1.
The major benefit is that it will take less cash "out of
pocket" to close near the end of the month.
A DIVISION OF MICHIGAN PROPERTY MANAGERS
2985 W. 12 Mile Rd., Berkley, MI
2723 S. State St., Ann Arbor, MI
Jay Greenspan, Broker
If you have a real estate question
please contact Mitch at
email@example.com or 248-626-8700