Meli Gerogianis Clarksville Real Estate

Staging Tips

Meli Gerogianis — Fri, 10 Feb 2012 16:33:00 GMT

Lots of color can be added to the décorby using inexpensive and colorful accessories suchasrugs, flowers, matching towels, curtains, and so on.This works better than trying to add color with paint, carpet,tile or countertops.

Make sure the doorbell or door knocker works and is in new condition. Many buyers have commented on a non-working doorbell with something like:I wonder what else in this house isn’t working”. Their"problem-finding" radar switches to high beam immediately.

You never want a buyer to pause and wonde rif something is or can be a problem. Clutter tends to make buyers think defensively and wonder what all that stuff is hiding.

As one experienced home decorator put it: making a home attractive to the buyers is one-third de-cluttering, one-third cleaning, and one-third prepwork.

When you use terms in your advertising like discounted, best offer, moving must sell, and so on all you do is attract price shoppers who make low offers. Your client will net more money if instead you show them how to make their home more attractive and highlight the home’s desirable features in your ads.

If you are working with up scale properties, most sellers will interview agents not only on their selling skills but also your showcasing skills so you can walk through their home and list the problem areas and help them get the most for it.

Interesting websites for decorating and showcasing ideas:

www.interiordec.about.com

www.hgtv.com

www.getdecorating.com

www.homeandgardenmakeover.com

www.cozylighting.com

www.housekeepingchannel.com

Make the Switch!

Meli Gerogianis — Wed, 08 Feb 2012 17:43:00 GMT

Incandescent bulbs are out, more efficient options are in. Find out how a small change can make a big difference on your energy bill.

In January, the Energy Independence Security Act began phasing out production of general-purpose incandescent bulbs, starting with 100-watt bulbs. Exceptions will be made for some incandescent, however, including 3-way, appliance, and ceiling fan bulbs. Fortunately, the alternatives are more energy efficient, better for the environment and provide similar - or better - light quality.

LED LIGHTS
Cost: Estimated cost per year is $1.58 compared to $7.90 for a 60-watt incandescent bulb (there are currently no 100-watt equivalent LED bulbs on the market).

Life: 25,000 hours

Pros: Most energy efficient and long lasting. Many dimmable options. Instant on. No mercury. Great for hard-to-reach locations.

Cons: Costs more to purchase, but you make up for it in energy savings over the life of the bulb. Technology is still evolving.

COMPACT FLORESCENT
Cost: Estimated cost per year is $3.42 compared to $13.17 for a 100-watt incandescent bulb.

Life: 10,000 hours

Pros: Most cost-effective, energy saving option. Produces low heat. Many color temperature options are available.

Cons: Contains mercury. Requires safe disposal. Most models are not dimmable (check packages).

HALOGEN
Cost: Estimated cost per year is $9.48 compared to $13.17 for a 100-watt incandescent bulb.

Life: 1,000 hours

Pros: Produces highest light quality. More efficient than incandescent bulbs, while delivering similar performance.

Cons: High heat. Not as energy efficient as CFL or LED.

Courtesy of Lowe’s Creative Ideas for Home and Gardens

Home Tip of the Month: Update a Kitchen for Less

Meli Gerogianis — Thu, 02 Feb 2012 17:26:00 GMT

How can you remodel a kitchen while keeping an eye on the bottom line? Today, a variety of products and remodeling methods help homeowners change or update the look of their kitchen for far less than the thousands of dollars it may cost to gut a kitchen.

When contemplating a kitchen remodel, one rule of thumb suggests never spending more than 15% of a home's current value on the project. In fact, spending less while creating a more functional and elegant room is possible if the project is researched and budgeted carefully.

One way to dramatically change the look and style of a kitchen can be accomplished by resurfacing kitchen cabinets. In fact, some manufacturers offer peel-and-stick veneer for do-it-yourselfers to make the job simpler. No matter if it's peel-and-stick veneer or cut to size, it is always better to measure twice and cut once. The job can also be outsourced to professional kitchen remodelers. In this case, carpenters remove doors and drawer fronts and cover all exterior surfaces with a veneer of prefinished wood. The new doors and drawer fronts are made to match. With this method, costs may range from $100 to $300 per linear foot of cabinetry.

Thermofoil doors are another relatively inexpensive option. These doors are created by using heat and pressure to seal a thin layer of plastic coating to fiberboard, resulting in an incredibly durable door. The doors can be made to match any interior design or décor.

It is also possible to replace just the panels on cabinet doors, while leaving the boxes intact and in place. Filler panels available today include glass that can be clear, etched, tinted, or patterned. Metal doors are also becoming popular and can be made from stainless steel or patterned tin. Even replacing cabinets altogether is less expensive than gutting a room and moving plumbing and electrical lines. A smaller change that can leave a big impact is concentrating on one major upgrade in the kitchen; such as new window treatments or adding colorful pendant lights to create a stunning effect.

New countertops can also provide a dramatic change in a kitchen, and prices can range from very inexpensive to costly, depending on the materials chosen. Laminates are among the most economical of countertop surfaces, and are considered stain and heat resistant. Solid surface countertops made from acrylic are stain, moisture and heat resistant, and inhibit the growth of bacteria. Because this material is molded, a sink can be integrated into the countertop for a seamless installation. Granite continues to be a popular, although a more expensive choice, because of its strength, stain and scratch resistance, and the visually pleasing effect of natural veins, specks, and swirls. A change in flooring color and material can make a kitchen feel brighter and even larger, often for surprisingly less. Vinyl flooring is affordable,moisture-resistant and durable.

For a larger investment, ceramic or natural stone floors are also a good choice for a kitchen. Ceramic tiles are produced by firing of clay in a kiln at high temperatures. Different types of clay are used to produce different textures and colors. Tiles made from natural stone are also a popular choice, including marble, granite, and slate.

To finish the remodel, bold colors can make a statement and tie various kitchen accents together. Rather than using color sparingly, it can be spread across the entire kitchen. Some of today's most popular colors include teal and mushroom.

Source:Nashville Home Inspection, John Watkins

Rent Payments & Credit Reporting

Meli Gerogianis — Tue, 31 Jan 2012 15:09:00 GMT

We have received several inquiries about how rent payments are being reported and reflected on your credit report. To help answer some of your questions, please refer to the information below courtesy of Experian Credit Bureau.

In December 2010, Experian became the first credit reporting agency to include positive rental payment histories on its credit profiles. Information is collected by Experian RentBureau and with this data, millions of Americans can build or repair their credit scores. Simply by paying their rent on time, responsible renters should get credit for managing their rental payments and also may now have the opportunity to gain access to mainstream credit products they deserve.

Experian has partnered with property management companies across the country to offer renters this unique opportunity to build credit through consistent on-time rental payments and create an opportunity for consumers to have a positive credit history. In order for this data to be included in your credit file, your property management company must contribute its rental history to Experian RentBureau. As your current property management company or any apartment community you are considering living in if they contribute their data so that you get credit for paying your rent on time.

Frequently Asked Questions

Why type of rent information is on my credit report?

Only positive rental history has been added to your credit report. If available, it will display the 25 most recent months of rental payment history information. No derogatory information will be displayed because any negative rental information, such as collection amount, is already reported through collection agencies.

How will Lenders use my rent information?

Lenders may use your rental obligation as one of the factors when determining your ability to pay any new debt. Because your rental payment history is now part of the standard credit reports, it may also be incorporated into credit scores used by Lenders to make credit-granting decisions. Each credit grantor decided what standards you must meet for it to grant you credit.

Will my rent payments affect my credit score?

Because your rental payment history is now part of your standard credit report, it may be incorporated into certain credit scores. This will allow many who previously didn't have credit to become "scoraeable" for the first time and begin building and rebuilding credit through the responsible payment of rent.

Why are my payments not on my Credit Report?

In order for your rental payment history to show up on your credit report, your property management company must submit your payment information. You can refer your property management office to Experian's RentBureau at www.experian.com/rentbureau/rental-history.html.

Can I submit my own rental payment information?

No, you cannot report your own rental payment history. Only property management companies can report rental payment data.

Why does my rent appear as an Installment Loan?

Your rent is intended to be similar to an auto lease, which is considered installment credit. Installment credit consists of paying regular installments of a fixed amount over a set period of time, usually measured in months or years.

Why does my credit report show a credit limit for my lease when it is not a line of credit?

Experian calculates an "original loan amount", which represents the sum of the total payments over the entire period of the lease agreement. For example, a 12-month lease with a $1,000 monthly rent, would add up to $12,000 (12 months x $1,000).

Why does my credit report show any outstanding balance for my lease when I don't owe any money?

An outstanding balance or current balance amount on your rental payment history represent the sum of all rental payments left on the lease. The balance denotes the total amount for which the consumer will be responsible over the remainder of the lease. As you pay your rent each month, the outstanding balance will continue to decrease.

For more information about rental payments on your credit report, visit the Rent and Credit Section in the Experian website.

Real Estate Report

Meli Gerogianis — Mon, 30 Jan 2012 18:26:00 GMT

If you or someone you know are in the market to buy and are facing any of the following:

Had a short sale or foreclosure in the past 24 months lowering your credit score - now renting
Credit score not high enough for other reasons - but have good renting history

Please read this article from the New York Times and feel free to pass it on to anyone you know that can benefit
from the information.

Borrowers who have a history of paying rent on time may see a boost to their credit score. Experian, a leading
credit report company, added a section to its credit reports last year that reflected on-time rent payments, which
helped give a boost in the credit scores to some on-time rent payers. Now the two other major credit reporting
companies are following suit. CoreLogic and FICO recently announced they are also adding a score that reflects
payment histories from landlords, The New York Times reports. “Evidence of positive rental payments could be a
plus for consumers,” Joanne Gaskin, FICO’s director of product management global scoring, told The New York
Times. Nearly half of high-risk consumers saw an increase of 100 points or more after their rental history was
added to their credit report, says Brannan Johnston, the managing director of Experian’s rent bureau. Consumers
with average or higher credit scores, on the other hand, did not see any major difference to their scores. For
former home owners who lost their homes to foreclosure, they may be able to rebuild their credit histories more
quickly now by showing they are “very responsible renters,” Tim Grace, senior vice president of CoreLogic, told
The New York Times. Source: The New York Times

All About Appraisals

Meli Gerogianis — Mon, 30 Jan 2012 18:24:00 GMT

Understanding the Guidelines of the Appraisal Process

The appraisal process often puzzles our clients. They may feel that their home is worth a lot more, so they don’t always agree with the appraised value. It is important to know that the appraiser is completely independent from lenders, buyers, sellers, and real estate agents. The guidelines to which they adhere are dictated by the Uniform Standards of Professional Appraisal Practice (USPAP) and Fannie Mae. In most states, the mortgage lenders must also disclose the purpose of the appraisal (i.e. sale, refinancing, court settlement, etc.) because each transaction has its own sets of rules & regulations to follow.

These principal guidelines help appraisers put a fair market value on homes based on comparable sales in the same area, and the home must be similar in size and value.

For example, there is no set value for a property with a great view, pool, spa, bathroom upgrades, etc. If a homeowner installs a custom pool that cost them $30,000, but the local marketplace supports the value of a pool at $15,000, then that item will be priced at about $15,000 on the appraisal.

Upgrades can usually be expressed at a higher percentage of their value in newer homes because the only way to obtain the upgrades was to put more money into the cost of building the home. On the other hand, the upgrading or remodeling of an older home is rarely reflected in full in the final appraisal. This is because typically 25-40% of the project involves demolition and the fixing of issues that aren't uncovered until the project has already begun, such as plumbing or wiring that may need updating.

In the end, the value of the upgrades must be supported by comparable examples within the same market. These comparisons must be drawn from current market activity within the last six months. This prevents appraisers from attaching too high a value to the home in question, and opening up the appraisal for review. This guideline further states that appraisers can only base their opinion on the value of home sales that have actually closed.

Source: Mortgage Master Service Corporation – Kent, WA http://www.mortgagemasterwa.com/appraisals.htm

Home Selling: First Impression Counts

Meli Gerogianis — Mon, 30 Jan 2012 18:19:00 GMT

First impressions make or break potential sales. Buyers will judge the integrity and honesty of a seller based on the condition of the property they visit. If you do not take care of small repairs, buyers may assume that bigger repairs have likewise been neglected. Eliminate buyers' doubt by ensuring that your property is clean, tasteful, and attractive before the open house.

Touching up

Freshen up interiors with new paint. Use neutral colors like light tan and cream.
Light up rooms.
Remove outdated wallpaper and textured ceilings.
Resurface or paint dated or used cabinetry in the kitchen.
Fix and replace damage floors, leaky fixtures, and defective lighting.
Patch up cracks in the sidewalk. Caulk windows and doors. Replace leaky roofs.
Mend broken locks, door knobs, and fences.
Add new towels, knobs, and shower curtains to make the bathroom attractive.

Clean & Declutter

Organize closets, basements, and attics.
Eliminate clutter. Donate things that you have not used in over a year.
Emphasize spaciousness.
Wash windows thoroughly, inside and out.
Remove odors and do not use perfumes to cover up odors. Perfumes may trigger allergic reactions.
Clean bathrooms until they sparkle.
Get rid of any insects or pests.

Curb Appeal

Prune shrubs, trim trees and lawns and plant seasonal plants and flowers.
Paint the front door and make sure the house number is visible to visitors.
Make sure walkways are clear of debris.
Clean gutters.

Buying A Home - Checklist

Meli Gerogianis — Mon, 30 Jan 2012 18:16:00 GMT

The list below contains "TO DO" items you will need to complete when buying a home.

* Request your credit report and check it for accuracy. Correct errors if necessary.

* Figure out how much house you can afford - use a Mortgage Calculator to help you determine this amount.

* Find a reputable lender who is offering a competitive rate.

* Consider pre-qualifying for a home loan.

* Make a list of what you are looking for in a home and take it with you as you begin your search with a Real Estate Agent.

* Once you have found a home, you will want to make sure that all your paperwork is complete before making an offer. Once you have made an offer, be prepared to negotiate.

* If your offer is accepted, you will want to have the home inspected. Make sure you get a termite inspection.

* Once you have reached a deal, an escrow account will be established. Be sure to include any special instructions you may have in the sales contract.

* Complete your mortgage loan process.

* Find a homeowner's insurance company. Ask your Real Estate Agent for recommendations.

* Attend the closing.

* Move in and enjoy your new home!

Home Selling Tips

Meli Gerogianis — Mon, 30 Jan 2012 18:04:00 GMT

1) Before Selling or Listing

Research the neighborhoods to which you plan to relocate, and then get pre-approval for a home loan before pricing yours on the market.
Calculate your current mortgage payoff. Get your home appraised to estimate its current worth.
Calculate the costs of selling and buying a new home, and figure out the estimated proceeds.

2) For Sale by Owner

Study housing markets and prepare professional fact sheets, contracts, and forms. Assemble documents and get home repairs and cleanup in order for the sale.
Familiarize yourself with the neighborhood so you can answer questions & price your home accordingly with comparable properties.
Consider listing our home for a flat fee with the Multiple Listing Service (MLS).

3) Interviewing Real Estate Agents

Ask how many years they have worked in the real estate business, and how many homes have they sold in the area?
Ask how many total homes they have sold, and what percentage were sold at the original asking price or better?
Ask what are the commission rates, and if they are negotiable?
Ask how the home will be marketed and how will meetings with potential buyers be coordinated?

4) Pre-listing Inspection

Hire a license or certified Home Inspector to help set realistic price expectations and to see the home through a third party.
Inspections provide opportunities to make repairs and prevent delays in obtaining use and occupancy permits.
It establishes trust and peace of mind, alleviating a potential buyer's concern or suspicions about the property.
Make copies of the inspection and repairs available to buyers.

5) Disclosures

Note "material" problems to the buyer in writing.
Disclose plumbing or electrical issues; hazards such as asbestos, radon gas or lead paint; foundation, roofing, pests and heating and ventilation issues; alterations to the properties without a building permit.
Shift as much responsibility as possible to a paid professional.
Check your state's housing authority for legal disclosure rules.

6) Creating First Impressions

Conduct curb-to-door cleanup. Prune shrubs and trim trees and lawns, paint the front door and plant seasonal plants to enhance the attractiveness of the home.
Remove clutter and make the home look spacious.
Depersonalize - let the buyers imagine the home as their own.
Remove religious, political, and social artifacts before showing the home.

7) Setting a Price

Prices can vary for comparable structures and depend on current market conditions.
Take current market conditions into consideration when pricing your home for sale. Is it a buyer's, seller's, or balanced market?
Study market listing no more than half a mile away from your home for pricing guidelines. Look for common patterns.

Home Buying Tips

Meli Gerogianis — Mon, 30 Jan 2012 17:36:00 GMT

1) Finding an Agent

· Talk to friends and relatives to see if they can refer a trusted realtor.

· Check with a local trade association.

· Be sure to “interview” prospective realtors. Find out how long they have held their license and the number of homes sold.

· Consider working with a “Buyer’s Agent”.

2) Shopping for a House

· Determine how long you plan to live in your next home.

· Make two lists – one of “must haves” and another of “prefer to haves”. Rank items according to their importance.

· Use the internet to search for information on prospective neighborhoods. Many websites offer information on tax rates, schools, and crime.

3) Applying for a Loan

· A loan officer can help cut down the amount of leg work you need to do.

· If possible, order copies of your credit report before starting the home buying process.

· Make sure you get a complete list of fees before applying.

· Always research the different types of loans available.

· If using a “Buyer’s Agent”, they can help you determine a good offer.

· Research the selling price of comparable houses in the area.

· Considering whether the market is “hot” or “cold” will help you know whether to make your offer high or low.

· Be prepared to negotiate.

4) Making an Offer

· If using a “Buyer’s Agent”, they can help you determine a good offer.

· Research the selling price of comparable houses in the area.

· Considering whether the market is “hot” or “cold” will help you know whether to make your offer high or low.

· Be prepared to negotiate.

5) The Sales Agreement

· The sales agreement is a legally binding contract issued between the buyer and seller. It outlines all the details of the sale.

· Consult an attorney before signing a sales agreement.

· Know what options you have and determine whether an “escape clause” is necessary.

6) Home Inspections

· A home inspection is a way for buyers to know exactly what they are purchasing by searching for faults and defects.

· Information found in a home inspection can help you renegotiate the selling price of the home.

· You can find home inspectors either through your real estate agent or listed in the yellow pages.

7) Closing

· The closing is where the actual sale of the home takes place.

· By law, you must receive a list of all your closing costs prior to the sale. Speak with your lender if you are unclear about any charges.

· It is a good idea to have your lawyer accompany you to the closing.

Price Reduced on 1039 Eljie Rd in Rural

Meli Gerogianis — Mon, 30 Aug 2010 14:03:00 GMT

Rural, Clarksville - Announcing a price reduction on 1039 Eljie Rd, a 2,871 sq. ft., 3 bath, 3 bdrm single story. Now MLS® $329,000 - Reduced!.

Property information

Clarksville TN - Stop the Quarry off Exit 1

Meli Gerogianis — Tue, 11 May 2010 19:24:00 GMT

If you live in the area and are interested in finding more information on this subject, check out the following article by Thea Agnew

Stop the Quarry off Exit 1

April 23rd, 2010

by Thea Agnew

Update: On April 22, 2010, A representative from The Rogers Group admitted to an Oakland Hills resident that called on behalf of the stopthequarry movement the plot outlined in the satellite photo IS one of the two sites they are considering in the Todd County!

I was called from a neighbor a couple of days ago about a problem that might be arising that will affect all the homes off Exit 1 around the Trenton/Tylertown Roads. She went to Kentucky yesterday to get a plat of where this Quarry will be built. It is shocking how close it is to our subdivisions on the North side of Interstate 24!

Below I have placed a copy of the plat, so you can see if it will affect your area. We understand that this is being built right inside the KY line but they will be using Trenton and Tylertown Road to get to the Hemlock. Not to mention the blasted that will shake all of our homes!

Taken from the new site about this development, I have been given permission to quote what has been brought to the surface.

What we know:

The Rogers Group based in Nashville, TN has shown an interest in developing a rock quarry in the Todd County area. They are the company interested in the tract of land in question (below). The Rogers Group is deciding between two locations and hopes to acquire the quarry location in order to supply the Hemlock plant with the quarried limestone. (Tylertown Road would be the most direct route of delivery.)

Apparently, core samples have been taken and some surveying has been done in preparation for the development of a quarry. However, on a positive note, no mining permit has been applied for with the state of Kentucky.

Kentucky does not have zoning restrictions – meaning there is no barrier between development and the state. No planning commission, no re-zoning red tape. Companies applying for a mining permit in the state of Kentucky DO have to submit a public notice to the most heavily circulated newspaper within a 50-mile radius of the intended mining site. This is, of course, the Kentucky New Era based in Hopkinsville, would be the appropriate publication.

We need to show The Rogers Group they aren’t just going up against a small group of Tennessee homeowners and a handful of Kentucky farmers; they are going against a united front of more than 7 large Clarksville neighborhoods consisting of more than a thousand Tennessee homeowners willing to support those bordering their intended quarry!

We need to contact them RELENTLESSLY voicing our opposition to their potential quarry before it legally becomes our newest neighbor!

We need the support of Clarksville neighbors not affected to stand in the gap for the homeowners who can’t be here due to be deployed. Will you help us take a stand?

Channel 4 News came to Clarksville and did a piece on this developing story.

Facts:
The Rogers Group out of Nashville is planning to start quarrying limestone to supply the Hemlock plant.
The land that is the subject is owned by Paul Cooper
Core samples and surveying have been done on the property
No new deeds have been filed in Todd County
No mining permit has been applied for in the state of Kentucky
The Rogers Group will have to notify the public via the New Kentucky Era for 30 days as part of the permit process
No notification has appeared in the paper as of yet
No zoning restrictions in Kentucky – NO planning commission
The Rogers Group has been trying to access limestone in Todd County for a few years now without much success
The Rogers Group moved a projected quarry site in Huntsville, AL due to public fallout
Woodstock residents and Kentucky farmers are not happy
Tylertown/Oakland Hills residents are just now finding out
Tennessee officials have no power in Kentucky, it’s up to our residents to make a change
The EXACT location of the quarry – Woodstock farms (right next to Woodstock subdivision)
The land consists of 500 +/- acres and crosses HWY 108

Rumors and Speculations:
Property has been sold to The Rogers Group

To view updated information about this developing story please visit STOP the Quarry!

If you know a resident that is deployed, stand in the gap for them! Please forward this to everyone you know to help us stop something that could hurt our economy and to educate others on what is going on right outside our back doors!

Curb Appeal

Meli Gerogianis — Fri, 17 Oct 2008 23:10:00 GMT

We've all had that experience with a client where you drive up to a house and they don't even want to go inside. It's an immediate "un-appeal." You may know the inside of the house shows much better, but you just can't convince them to spend the time to even go inside. In today's market with lots of homes available to the buyer, why should they?

Here is a little list I give my clients to help them change the "un-appeal" to "curb-appeal". Some are easy, inexpensive fixes that will help create that outside look of the buyer's "dream home" and get the seller one, giant step further to a sale.

1. Paint or stain the front and garage doors, especially if they show any weathering. These are the first visuals where a potential buyer focuses. If garage doors are metal and dented, they may need to be replaced.

2. Any old, basically abandoned sheds or small structures, must be removed, the area graded and the grass replaced.

3. Change any dated and/or non-operational, outside light fixtures.

4. Fix that driveway. If it is blacktop, make sure cracks and crumbling areas are dug out and filled and then the whole driveway sealed. If it is cement, have large cracks filled and repaired professionally. The buyer must at least feel they can drive the moving truck in confidently!

5. Make sure landscaping bricks are in their proper placement. Mowing, weed-whipping sometimes moves them and this is something the homeowner rarely notices, but makes the property look unsightly.

6. Fill in bare dirt under large shade trees. Plant shade-tolerant plants in defined planters or groundcover. Landscape properly for that area.

7. All landscaping beds should be cleaned out and updated for the time of year it is in your region. Place new bedding material down.

8. Have trees and bushes pruned and trimmed. If a bush or tree is looking old or about to expire, remove it and replace it with a similar size and type if you can. If there is a tree limb(s) over the roof, have them removed.

9. If the house needs painting and a full paint job is not in the cards; have it touched up professionally in the worst, most visible spots. Paint shutters and fix them if they are hanging crooked. At least this may help get your client in the front door, even if they negotiate a full paint job into the sale later.

10. If the house is sided, have it power-washed and have gutters and windows cleaned. Window cleaning inside and out makes the house feel updated and fresh, rather than old and dingy.

11. Make sure grass is in good shape, weeds are removed, trimming done regularly. So many sellers fall down on this job the minute the house is listed, and this is critical to selling a house quickly, especially one where the owners have already moved out. In snowy climates, removal must be done regularly too. If owners have moved out, make sure you have an HWA Home Warranty to re-assure buyers.

12. Keep garbage and recycle containers inside the garage, along with all toys and equipment. Make sure the garage is neat and organized. Painted walls and floors also go a long way in this area and are inexpensive to do.

13. Decks should be washed and repainted or re-sealed; plantings around them cleaned, weed-free and looking good. Patio furniture should be in excellent condition. Even though it is in the backyard, this is the area where the family can envision enjoying the warm days and the new yard.

14. If the roof has missing shingles and they can be replaced inexpensively, suggest this be done as it may save negotiation over a completely new roof. Roof repair needs and costs should be minor or the homeowner might as well replace the entire roof.

15. If the homeowner wants to do a bit more, suggest solar lights lining the driveway or installing a more attractive front door with lead glass inserts and replacing plain doorknobs with something more custom.

16. If you have an evening showing, make sure lights are on outside and inside the house. This is warm and inviting.

17. If it's a holiday season, by all means decorate the home! Just like sugar cookies or vanilla scent on the inside of the house, this really says "it's a home" and I can see myself enjoying life here! In the least, always have some greenery or flowers for the season on the front step or porch; even a birdbath with a little garden around it says home.

Each house is different and might not need all of the items listed done to it. But if there are items that need to be done, do it! And remind the sellers that, most home buyers cannot visualize even these simple changes and clean ups in a house. And the ones who can ... will be looking for a reduced price. So to sell the house at top dollar and quickly, make it "appeal" to the many who will be seeing it! And don't forget to update the pictures on the internet once everything it's done!

Golf Courses - Clarksville TN / Ft Campbell KY area

Meli Gerogianis — Fri, 17 Oct 2008 23:07:00 GMT

Are you a golf fan and either live in the Clarksville TN / Ft. Campbell KY area or are planning to move here? Want to know about our golf courses and what they have to offer? Below is some basic information on some of our golf courses.

Swan Lake Golf Course
581 Dunbar Cave Road Clarksville, Tn 37043

Swan Lake is an 18-hole, 6,065-yard course located at beautiful Dunbar Cave State Natural Area. This par-71 course features dining facilities and annual green fees. Daily green fees are $16.00 (18-holes) and $9.00 (9-holes) weekdays. Daily green fees for weekends and holidays are $21.00 (18-holes) and $11.50 (9-holes). Cart rentals are $11.00 per person (18-holes) and $5.50 per person (9-holes). Private cart fees are $9.00. (Map & Directions)

Mason Rudolph Golf Course,
1514 Golf Club Lane Clarksville, Tn 37043

Named for former PGA tour member Mason Rudolph, a Clarksville native, is a 9-hole, 2,008-yard course located at 1514 Golf Club Lane. This par-30 course also features annual green fees. This short layout will reward good shots and provide a fun golf outing for everyone. Online tee times may be available at Mason Rudolph Golf Course or at nearby golf courses, usually offered at a discount from the normal rate of approximately $12. Also a driving range is available.

Country Club Golf Course,
334 Fairview Lane Clarksville, Tn 37043

Clarksville Golf & Country Club is an 18-hole regulation length golf course in Clarksville, Tennessee. This medium-length layout features 4 sets of teeboxes for the enjoyment of golfers of all skill levels. Online tee times may be available at Clarksville Golf & Country Club or at nearby golf courses, usually offered at a discount from the normal rate of $57.

Eastland Green Golf Course,
550 Clubhouse Lane Clarksville, Tn 37043

The Eighteen Course at Eastland Green Golf Course is an 18-hole regulation length golf course in Clarksville, Tennessee. This medium-length layout has adequate length for a regulation course. Some holes are quite challenging and interesting, but overall it can be somewhat forgiving. There is another course at this same golf club, the Nine Hole Course. Online tee times may be available at Eastland Green Golf Course or at nearby golf courses, often at a substantial discount from the going green fees rate of approximately $25-$34

The Nine Hole Course at Eastland Green Golf Course is a 9-hole regulation length golf course in Clarksville, Tennessee. This championship layout provides for a fun golf experience for golfers of all skill levels. Difficulty level of the course is unknown at this time, but will be provided soon. There is another course at this same golf club, the Eighteen Course. Online tee times may be available at Eastland Green Golf Course or at nearby golf courses, often at a substantial discount from the going green fees rate of $22-$25

Senior Citizens - Both courses offer a discount on weekday green fees to players 55 years of age or older. There is also a senior discount on annual green fee. Students - Mason Rudolph Golf Course offers students a discount on daily green fees.

For any additional information you can contact the following:
City Golf Courses Main Office
581 Dunbar Cave Road
Clarksville, Tn 37043
(931)648-0479
(931)553-2411 Fax

Golf Course Information - courtesy of:
Meli Gerogianis
Real Eastate Consultant
931-378-9601

Should you get an inspection on a new construction?

Meli Gerogianis — Fri, 17 Oct 2008 23:04:00 GMT

I've represented several buyers in the last few months that purchased new constructions. I always make it a point to tell them about home inspections and the benefits of it. Some of them are reluctant to pay for an inspection since the house they're buying is brand new, (what could be wrong?) and most of them have a minimum 1 year builder's written warranty so they think that will cover everythin!. That is great but I got news for any "would be buyers" out there.

Two months ago one of my clients agreed to pay for a home inspection and among the things the inspector found incomplete were both attic space and crawl space had partial insulation done. Part of the crawl space was missing the insulation under the floor, and part of the attic had insufficient insulation. And this was a new construction!

Last month I had another client that purchased a new construction and I had a hard time dealing with the builder. The inspector found among other things that the yard was graded wrong, so the the rain water was going toward the house instead of away from the house. The builder refused to fix it claiming it was fine the way it was. I wanted to make sure that my buyer was protected so I advised him to put a specific clause in the builder's warranty that if at anytime during the next 12 months there was standing water in the yard or water was coming in the crawl space, the builder would have to come and correct that! And this too was a new construction!

So, new or not, always get an inspection. When buyer does his or her walk thru and check the house out, they think that is enough. However, there are many things that you cannot see with the naked eye or without knowing what to look for or where to look (Would your buyer crawl under the house? or climb in the attic? or check out the electric system or plumbing? - most likely NO) The small investement of a few hundred dollars upfront, would save you a lot of money in the long run and a lot of headaches too!

Should a Homeowner try to sell as FSBO (For Sale By Owner)

Meli Gerogianis — Fri, 17 Oct 2008 23:00:00 GMT

When it comes to housing, this year has seen a nationwide price decline and combine that with lots of ARM and Balloon failed mortgages, it puts a lot of sellers in a tight situation. Many home sellers owe more or as much as the house is worth and they have no funds to pay for the services of a licensed Realtor to market their home. The alternative - try to sell it as FSBO (For Sale By Owner).

Many young, tech savvy homeowners, think that they have what it takes to do it on their own. And some of them do succeed. However, knowing how to design a flyer, put a sign on the yard, or put an ad on a couple of websites, doesn't get close to getting the house SOLD. If you still think you can do it, ask yourself a couple of questions and answer them honestly.

1. Would you be able to stay objective throughout the entire process? You will hear strangers talking about your outdated kitchen, your "wild" imagination in coloring and decorating, your second rate DIY improvements, your "cleaning skills", your pet Rover's smelly stuff and a lot worse. Will you be able to overcome your emotional ties to the house and still make a deal with the buyer?

2. Are you up to the hassle? Yes, you are college educated, and yes you have researched the subject of selling a house and you know that it requires a lot of paperwork... but do you really know how much paperwork is involved? Between contracts, disclosure requirements, adendas and amendments, doing the deal requires, as a colleague put it, "more documentation than the average Middle East cease-fire agreement". And when you start negotiating, you need to listen closely and measure carefully every response and not let your emotions get on the way. If all that sounds too much for your nerves, stick with a broker.

3. Do you have the time that it requires? You got the sign in the yard and the ad in the newspaper, now all you have to do is wait for the phone calls and show the house. Someone calls and wants to look at the house tomorrow morning, only one problem, you work during the day. Prospective buyers like to view houses at their convenience, not YOURS. How about an Open House? You are tied down to the house for hours waiting on that right person, and when they show up you're not so sure what to say or how to present the house to make it appealing, yet not sounding pushy.

4. Serious Buyers or just Lookers? You finally got a cute couple showing up to view your house! You think you're one step away from hitting a home run. Are you really? How do you know for sure that they are going to buy and not just killing time (theirs and yours)? Do you know if they have enough money to buy YOUR home? Do you know what to do or where to take them to find them the right financing for the purchase of your home? What the rates are? What the mortgage payment would be? ......... (Are you tired yet?)

And there is plenty more: advertising, dates, rates, updates, pictures, safety, security, and liabilities. With all of the above, plant on spending at least 10 hours per week to service the FSBO while your house is on the market.

In conclusion: Is it worth it to sell your home FSBO? Absolutely! If you have the time and expertise, by all means - do so! But if the only expertise you have on Real Estate is buying the home you're trying to sell, you will need help going thru the process. And if you already have a full time job and/or are busy packing to move and don't have the necessary time to do it right, you WILL need help!

Over 70% of FSBOs end up listing with a Realtor. You can still try and be one of the other 30%, but if you decide to use the services of a Realtor, please, do your homework: interview at least 2 or 3 people for the job. They all have different skills and experiences, they have different approches to the job and different personalities. Pick the one that best suits your needs and compliments your personality!
Good luck and happy selling!

Support our Troops / Clients all the way to War Zone!

Meli Gerogianis — Fri, 17 Oct 2008 22:40:00 GMT

We are a military town and as such have very close ties to the war in Iraq and Afghanistan. My husband is currently deployed in Iraq (his third deployment) and I also have many friends and clients that are deployed. Some are past clients and some are clients I am currently working with.

I make it a point to send out care packages to as many of them and as often as I can. When the war first began, everybody was concerned about it. There were churches, schools and other organizations geting together to prepare care packages for our deployed soldiers. Not anymore! It is a shame! Our soldiers still need our support and care just as they did when this war first started! I know the military families and organizations still continue to work on this, but the rest of the population seems to have forgotten about it! It is not their fault for being there! So, make a note to yourself to do something about it next time you get a chance. Make your next giving - a gift to a lonely, hot, tired, and home sick soldier. Call upon your office colleagues to make one care box per office and send it to Iraq or Afghanistan! It will lift their spirits! ... and yours too!

Best Deal in Town

Meli Gerogianis — Fri, 17 Oct 2008 22:35:00 GMT

One Sunday afternoon a couple sees an ad in the paper. They can't believe their eyes. There is a house in the paper for $1000 that is in the nicest part of town. We are talking about a Highland Park mansion for $1000. They think this has to be a misprint, but decide to call anyway. They said to lady who answers we saw your ad, and realize it is a misprint correct. She tells them no it's not & you are actually the first ones to call. They decide to go look at the house.

They race over as fast as they can. They pull up to the most beautiful house on the block. In front of the house is a fountain that cost at least $30,000. They ring the door bell & the lady answers. She starts showing them the house. They realize this house is over 5000 sq ft and it is obvious that expense was not a problem in building this house. The house had marble imported from Italy & a chandelier imported from France. The landscaping was breath taking & the house had a great pool & a nice tennis court.

The couple said to the lady this is the most beautiful house we have ever seen, what's the catch? The lady assured the couple there was no catch. The couple wanted the house for $1,000 but was leery of doing the deal. Finally the lady said you seem like a nice couple, so I'll let you know the truth. She told them this house is completely paid for, and not a penny is owed against it. Well, last week I got a call from my Husband. He informed me he is leaving me for his secretary. He then told me I could have everything we own as long as he could have the proceeds off the sale of the house. I agreed and he asked me if I could sell the house while he & his new girlfriend hung out in the Caribbean? HOUSE SOLD.

I bet you were thinking this was a real house for sale! Well a little humor from time to time does us all some good! Meli G.

A Heart Warming Story

Meli Gerogianis — Fri, 17 Oct 2008 22:30:00 GMT

I had just left the office yesterday when the receptionist called and said there was a delivery there for me. I asked her what it was but she didn't say. She just said it will be waiting at the front desk for you. I was a little puzzled but made my rounds and turned back at the office right at closing time. I asked the receptionist where my delivery was. She smiled and pointed toward the edge of the desk. I walked where she was pointing looking for a UPS box or something to that effect and didn't see anything. I turned around and asked her again: well, where is it? She pointed at this beautiful flower arrangement sitting right in front of me and said: Right there! I pulled out the card and my eyes filled with tears. It was from a client that I "couldn't help"... Let me back track a few weeks...

Rebecca and her daughter had called our office a few weeks ago looking to buy a low priced home. She had contacted another agent in our office and made an appointment to see her. The other agent didn't feel that Rebecca would really be able to buy anything and even if she did, just wouldn't be enough to bother with, so she asked me if I wanted to work with her. I said, absolutely! I never turn anybody down! I don't care if they have the money or the credit, I still talk to them and try to help them get on their feet and make it happen when they're ready! Rebecca's case turned out like that. I met with her, got some information and immediately got a lender on the phone to do a pre-qualification. Her credit was too low and so was her income so there was no way that we can get her a house. I guess at this point most agents would've hung up their hats and tell her goodbye! I just couldn'd do it!

I decided to see if there was anything I can help her with and found out that she was in a really tough situation with some relatives threatening to throw her out of the house. I made some phone calls to other investors and realtors to see if anyone had a place to rent and even better one that they eventually would consider selling. I put Rebecca in touch with a few people and still spent several hours of phone conversations with her to get her in the right path to a new beginning. At the end of our last conversation, she said: "Thank you so much for talking to me! You've given me hope again!" It felt great! And here we are a few weeks later! On the first of this month she moved to her new house where she will be renting for a year and work on her credit, and she will re-apply for a loan at the end of her lease and try to buy the house! She was very excited and so was I! And the flowers she sent... that was too much!

I wasn't able to find Rebecca and her daughter a house to buy right there and then, but I didn't abandon them in their moment of need and I am glad to say that my efforts paid off! Everybody deserves a chance and can use a helping hand! Stories like this one are priceless and this is why I love this business!

Relocating to or from Ft. Campbell KY

Meli Gerogianis — Fri, 17 Oct 2008 22:23:00 GMT

Are you military and transferring to or from Ft. Camplell KY and need someone to help you sell, buy or rent a home in Clarksville TN or Ft. Campbell KY?

Hi, My name is MeliG and I am a realtor with Keller Williams Realty in Clarksville. I am Ready, Able and Willing to provide you with personalized attention to help you accomplish your real estate goal whether it is marketing and selling your home or buying your dream home. Your interests and goals become mine and I work diligently to accomplish them.

Maybe you don't have any immediate needs but are curious about what the neighbor's house sold for... Or maybe you want to know what your house is worth, just out of curiosity or maybe planning a refinancing... Give me a call or e-mail me. I will set you up to receive all the information you want and get regular updates on it. It is a Free, no obligation service provided as a benefit to you, the customer!

If you are new moving to Ft. Campbell KY and need a relocation package, please e-mail me. I will provide a nice local info package to help you get started. All the things you need, from the basic info of utilities and schools, to shoping and entertainment will be included. I will include a special chapter on real estate and the latest prices in bought, sold and rented, discount coupons, maps and more.

If you are transfering from Ft. Campbell KY to another base, I will do the same. Just e-mail me the location you're going to and I will provide you with the same service plus the name and contact information for a trusted realtor in that area. It's Free, and a no obligation service. I am here to serve YOU!

Start with a Realtor - End with a Friend!

Meli Gerogianis
Real Estate Consultant
931-378-9601

Single Story For Sale in Belle Forest

Anonymous — Tue, 16 Sep 2008 06:00:00 GMT

• 1,083 sq. ft., 1 bath, 3 bdrm single story "Ranch" - MLS® $96,875

Belle Forest, Clarksville - Great first home or investment property! 3 bedrooms, 1.5 baths, completely renovated. Vinyl siding, windows and roof are only 2 years old. House just got a new face lift with new vinyl and carpet throughout, fresh paint, new kitchen cabinets, new bathroom, tub, tile surround, vanity and more. All appliances are included: side by side refrigerator, stove, microwave, washer & dryer. Nice leveled lot, fenced in the back, deck, storage shed.

Property information