Buying a home can be exiciting and frustrating all at the same time!  One common problem buyers say is "If I had known, I would have started saving much sooner!"  Yes the down payment  and the loan documentation preparation requirements are important!  It is also very important you work with an agent who is networked with loan officers who are skilled in helping you find a comfortable payment plan that meets your needs. I also find that after meeting some frustrated buyers that educating needs to happen... with all this information on the internet it is very easy to assume some information you read online as "The Gospel" but in all reality not everything you read is True!  Be Careful!  I can't stress that enough and make sure you find the agent who you want to work with! Once you find t... 01/23/2010

Okay by now you know about the $8,000 Tax Credit for first time buyers and the $6,500 Tax Credit for Current homeowners... well at least you should know of it! Another Treasure of Homeownership is that the IRS and most state governments allow you to deduct within limits certain mortgage interest and property taxes when you file your annual income tax return. Real Estate Agents are required to refer you to someone versed in taxes like an Accountant.   I advise you to do the same so you can learn more about the tax benefits of homeownership! To find out more don't delay and call your Tax accountant for more information! If you need assistance with finding an Accountant in my Dover, Delaware area feel free to contact me and I'll be glad to point you in the right direction! Thanks! Tom Davis  01/23/2010

Credit Repair in Delaware National Credit Fixers: 330 Roberts Street Suite 402 East Hartford CT 06108 phone: 860-282-6181. National Credit Fixers boasts of 13 years experience repairing low FICO scores. Whether your credit has been damaged by a foreclosure, bankruptcy, slow credit, collections, judgments, repossessions, etc. we can help. We are the experts in credit restoration and credit repair. We have helped numerous residents of Delaware. We are experts in Delaware Credit Repair. We believe that going the extra mile is necessary to ensure maximum results and success. Most credit repair companies or "law firms" only send out some generic form of dispute letter which you could do yourself at home. The problem with this method is that there is only about a 10% chance anything will even... 01/16/2010

One of the first things you will find is some agents tour your home before the presentation and some tour the home after the presentation.  Their really is no set of rules for this but it is going to happen so be ready to talk about your home with the REALTOR ® that you invited over to your home. Once the REALTOR ® is touring the home, he or she will be looking for things that affect the saleability of the home and will be jotting down notes so be prepared to discuss everything with that agent.  Leave out no secrets because it will haunt you later if the deal falls through over something you didn't disclose up front.  Be Honest!  Typically the tour of the home will last 10-15 minutes and then a rundown of items will be suggested for you.  You may not like what you hear but you need to c... 01/16/2010

It's amazing how customer Trust is out the door these days, says Realtor "Tom Davis of Dover, DE.  With big companies spending billions of dollars of goverment money paid for by tax paying citizens in America.  Thousands of jobs have been shed, companies have gone bankrupt , and consumers are cutting back everywhere you turn for good reasons. In a world of complexity out there, Tom Davis Understands his customers and wants to ease them right up front! Top Customer Concerns (According To National Association Of Realtors) Are As Follows: 1.) * Knowing That The Realtor has the ability to help them find the right house! Tom has been in this business for 4 years now and sits down and goes over everything in detail with you and goes over all of your questions you have.  Eliminates your confus... 01/16/2010

Okay, OREGANO did all that for me?  Yes!  I know real estate agents can use extra energy and I think I found something to help!  I told my Mom and she said you sure you didn't eat something else?  Lol.... I told her that I was up for like 2 days straight full of energy!  Well I am pretty sure that it is OREGANO that I've added to my eating!  It all started when I made pasta one night a couple weeks ago. I loaded it with more OREGANO than ever...I know this sounds really funny... but I did.... well I had 1 problem that nite!  I COULD NOT SLEEP AT ALL!  I MEAN TO TELL YOU I JUST HAD THE ENERGY!  IT EVEN WENT ON THE NEXT DAY! I felt crazy for loading on that much Oregano but I did... Well the next day I researched the benefits of Oregano as I believed it was giving me "Super Energy" ... we... 01/15/2010

Dear Mr./Ms. Homeowner, Today's Market requires a little more to stand out when selling your home.  You must now prepare yourself to be a seller and your ultimate goal is to get your home Sold!  If you want your home sold in the least amount of time and with the highest possible money coming back to you at the settlement table then you need to pay close attention to me when I go through my advice and tips when I meet with you.  I will be honest and I will make sure you know the truth.  I also am on your side and want the home to sell.  The average time on the market in our area is just over 120 days.  So here's my first good tip to get you started. For about $400 you can find out everything that Needs to be repaired UPFRONT before you list your home!  Also if you call me I might be able... 01/15/2010

Home Buyers often encounter a Vicious Seller when it comes to defending their home price these days.  Here is why someone becomes vicious.... The 3 basic necessaties of life are: Shelter, Food, and Security.  When you own a home it is considered your "Castle" and people tend to become vicious when their homes are threatened. Many sellers these days feel Threatened of losing their home to foreclosure.  Short Sales are also painful for sellers as well since many did not originally intend to sell their home. The situation the seller is faced with is reality so it is understandable that at times you will deal with people who lose their tempers about their home. Fortunately for you as a buyer you won't have to witness all the details in the home buying process. Fortunately for sellers... the... 01/10/2010

Yes I know I caught your attention with that headline!  Yes buying a home is a careful, planned out process. A Good REALTOR ® will help you spot an Overpriced "Turkey" as they call it... yes an overpriced home. One way to do this is through reviewing homes that have Sold.  Since a "Sold" home is market value. I play a game called "Guess What That Home Sold For" as I drive by it.... what they say... Well Lol I honestly let them guess a few times until they start getting the price right! This is the easiest way a buyer can learn the market.  Yes that's right...by spotting Overpriced Turkeys and by guessing the prices of homes that sold! If you do this .... I promise you won't buy an Overpriced Turkey! It is one of buyers biggest fears and I can help you overcome that problem! Thanks for t... 01/10/2010

During these tough economic times a seller may think that rules change in their favor because they NEED THE MONEY.  Wrong!  This is the best information I can tell you... Don't choose an agent who is willing to quote the Highest List Price... You Know Why??.... It is what many of us Professional REALTORS ® Call "Buying The Listing." So How does the agent "Buy The Listing"... Simple... he/she goes along with whatever price you think the home is worth in hopes of securing the listing at first.  Then after a week or two that agent calls you relentlessly to get you to reduce the price but many of you don't since your agent agreed with you when you listed it. It saddens me to hear stories like this because pricing is so critical to your home selling. Here is the real reality... your homes be... 01/10/2010

A home price is directly reflected to its physical condition.  Sellers who have their home in Top Shape, sell for Top Dollar.  Fixer-Uppers sell at greatly reduced prices because buyers who buy must spend money on repairs.  (If your lucky to find a buyer willing to do repairs and willing to reduce the price you have a win but in most cases it will be up to you as a Seller to make your home stand out) A good REALTOR ® can point you in the right direction and may offer counseling.  Listen to their advice as that is what is going to help sell your home!  A REALTOR ® working for you in your best interests is what you are looking for.  Look for a REALTOR ® who will be direct and honest with you. Remember above all else: He/She is Not Trying To Hurt Your Feelings!  This is only objective advi... 01/10/2010

Dover Realtor is switching gears into Overdrive.  Tom Davis a Dover, DE Realtor has pledged to make 2010 even better for his customers.  Additional hours at work will be crucial to ensure more gets done in less time.  More than ever a customer needs a service from a licensed professional Realtor like Tom Davis.  Tom Says... "The Contracts are changing, the sellers need more guidance on selling their home" and the buyer "Needs more" to understand the pros and cons of buying different homes.  Just because it is bank owned does not neccessarily mean your always "getting a good deal!"  Buyers and Sellers both need and value the professional guidance that Tom Davis gives on a daily basis. If your faced with a real estate transaction either now or in the future, Call Tom Davis (302)398-3757. ... 01/07/2010

Dover DE Realtor Has Hit The Goldmine ... well at least it almost feels that way.... YES... 243,936 Points and Can't Wait for that 250,000 Point mark. I didn't know how to react and maybe I just wasn't realizing that I had hit America's Top 51 Bloggers! Wow was my initial reaction!  It is nice to get noticed for your work! I would like to share that I'm not alone in this award... I give credit to everyone who comments on my posts and everyone who participates here who makes it so fun and inviting. Here is the Top 51 Bloggers in America for Real Estate.... http://agentgenius.com/g-rants-insanity-more/real-estate/51-top-ranking-activerain-com-real-estate-blogs/ Feel free to check out the article and feel free to support all the bloggers who you feel do a great job day in and day out! Yes ... 01/06/2010

1:00 PM - 4:00 PM    This Sunday come preview this house! Price: $165,500 244 Kesselring Avenue Dover, DEBed: 4   Baths: 1 Full, 1 Half Comments: Start the New Year Off Right! A New Home Could Be Yours! Come Out To See Me, REALTOR ® Tom Davis On Sunday Jan 10th from 1-4 PM ! We will have lots of food and drinks! Also feel free to tune in to "Talking House" by stopping by the property and tuning in to the AM Radio frequency 1640 AM for more information about the Open House and the property. I look forward to seeing you there! You won't want to miss out on this property! If you have any questions please call me at: (302) 331-4660. Thanks, Tom Davis. Directions: South on Gov Ave to left into Mayfair, bear into Kesselring. Home on left.   Attention Sellers!  You can make your home a "Talkin... 01/06/2010

Why List with Me?     •·         I consider myself not just a real estate agent but also a professional REALTOR® •·         ERA Harrington Realty, Inc. is a Top 50 Company with ERA National   (You're working with a top-flight company) •·         I will target market apartments to search for buyers to look at your house •·         I will make your house a "saleable listing" not just a "listing" •·         I'll  make sure your house is "priced right, dressed right, and ready to go" •·         Five years ago only 5% of homebuyers viewed homes on the internet before they made a purchase.  Last year over 92% of all buyers viewed homes on the internet before making a purchase.  The internet is the fastest growing advertising medium in real estate. •·         ERA Harrington Realty, Inc. is a "... 01/06/2010

Always There For You®   There Really is a Difference in Real Estate Companies! Tom Davis works strictly according to the REALTOR® Code of Ethics. ERA HARRINGTON REALTY, INC.:  Ranked as a "Top 50 Company" with ERA out of over 3,000 companies in America. ERA's "First in Service" slogan on television had to be proven to the networks. We were high-tech before high-tech was in:  That's how we got our name (Electronic Realty Associates) because of a machine we had in 1972, which enhanced the technology that you now know as the fax machine.  ERA has always been known as the Leader in Technology in real estate. ERA Home Warranties:  ERA created Home Warranties in 1973, and we still have the best home warranty in the real estate industry. ERA Sellers Security Plan:  It is a guaranteed sale, if ... 01/06/2010

Have you ever seen the ERA... "We will sell your house, or ERA will buy it!"TM                                  That's called the ERA Seller Security Plan ®. It's another exclusive ERA program that might help you as a seller, and as a Buyer too! It Guarantees that your house will sell, because "We will sell your house, or ERA will buy it! TM  That would be a nice reassurance, wouldn't it? Since You won't have to wait to close on your current house, you can move as soon as you want.  Would that be a benefit to you? *Certain conditions apply Call Tom Davis if your selling your home & find out more about the Sellers Security Plan! (302)398-3757   01/01/2010

It's always nice when you get an award for something or if your excellent service has been noticed!  Well that's what just recently happened in an article for Agent Genius Magazine!  Dover, DE Real estate agent Tom Davis was found to be in the Top 51 of bloggers Nationwide in the USA for his blogging abilities.  http://agentgenius.com/g-rants-insanity-more/real-estate/51-top-ranking-activerain-com-real-estate-blogs/  Tom Davis plans on using this award in his listing presentations to show sellers he is capable of marketing their home online to the most potential buyers.  Marketing is hard work but worth it when we sell your house for a higher price than normal market value through multiple offers.  Another benefit to sellers in Tom Davis's marketing abilities is a shorter time on the ma... 01/01/2010

Wow!  Just heard someone setting off FIREWORKS in my area!  Yes the moment we waited for 2010 is HERE!  Most of us can't wait to FLUSH out 2009 and ring in the new year!  This will be the year for recovery!  Let's get america going AMERICA!  Each day Solutions are available to those that look to seek them out!  I will be seeking out more solutions this year and have made it my New Years Resolution to make it my best year EVER! Welcome in    2010   because here i come in with a big , fat,  BANG ,   BANG !! -       -        -          -        -           -          -           -            -             -               -                Helping First Time Homebuyers buy a home before April 30th, 2010 tax deadline to take advantage of that $8,000 Tax Credit Available.  Begin Your Home Sea... 12/31/2009

Figuring Out How To Own A Delaware Home Can Be Complicated so let me offer some help! It also makes great financial sense because of the tax benefits - which you can't take advantage of when paying rent.Based on your current rent, use this calculation to figure out how much mortgage you can afford.Rent: _________________________Multiplier: x 1.32Mortgage payment: _________________________Now this is neat...because of tax deductions, you can make a mortgage payment - including taxes and insurance - that is approximately one-third larger than your current rent payment and end up with the same amount of income. If you would like to further discuss the benefits of moving to Delaware, please call me Tom Davis at (302)398-3757.  You may also wish to Browse the Delaware homes for sale at: www... 12/25/2009