classifieds work harder for you! call 248-351-5107 LAKE PROPERTY FOR SALE 662 830 MUSIC LESSONS LAKE PROPERTY FOR SALE Discerning Parents N. COMMERCE 50' LAKEFRONT PROPERTY confident, independent, 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. $319,000 Do you want your child to become a creative, 248.909.9496 28 Contact Helen Kerwin, pianist, M.A., MTNA, NCTP 835 248-353-6245 II !!' 186106) ,„ „ 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 Michigan-Florida Connection... Nina Spinner-Sands REALTOR 731 NINA S. SPINNER-SANDS HANDICAP CONSTRUCTION 954-290-8293 NinaSpinner-Sands@ keyes.com DISABILITY MADE EASY -Grab Bars -Bathroom Safety Products -Wheelchair Ramps -Stairlifts & Platform Lifts -Portable & Rental Ramps -Barrier Free Construction Free Estimates SELL INVEST "Raised in Detroit Experienced in Arizona" r. Mel Dryman 248-569-1580 1729 E. 14 Mile Rd. • Ste 220 • Troy • MI • 48083 Licensed • Insured BUY 480-239-8686 'w 1'4F 1726180 PHYSICAL THERAPY 11 wwwaneldryman.com meLdrymaneazmoves.com 1861370 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.... Metro SOLD Selling • Leasing • Management • Residential & Commercial 1-111 r!i,"rm7-' rmit R it W AI SUPPORT OUR COMMUNITY, SHOP WITH OUR ADVERTISERS! Mention that you saw them in the JN! Visit JNonline.us 76 September 5 • 2013 W D 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 Investment Properties Sales • Rentals COLDLUOLL BANKOR C 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 Broker in between. 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 eaine,c14) 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 Call for Professionalism will provide a high FREE Home I r ■ lit..1-11s,.-1 Evaluation quality experience. Knowledge TROPO 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 248-488-SOLD 2723 S. State St., Ann Arbor, MI 734-369-9550 www.MetroSold.com Jay Greenspan, Broker Jgreenspan@metrosold.com 1854200 If you have a real estate question _01, please contact Mitch at mwolf@cranrealtors.com or 248-626-8700