A short question and answer session all about matters of forbearance.
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9991 Garvett Street, Livonia, MI – Ann Arbor Area Real Estate for Sale
Welcome home to this classic Livonia ranch! This lovely home is move-in ready and waiting for you. The soothing palette compliments the refinished hardwood floors in the living room while the modern tile backsplash and gleaming cabinets are the stars of the functional eat-in kitchen. Two spacious, light-filled bedrooms and full bath round out the main floor living, with new carpeting! Seller will paint 2 of the bedrooms at purchasers color choice! Downstairs, the partially finished basement provides so much potential with the non-conforming 3rd bedroom, extra living area, and a newer furnace (2018). Outside, the patio, yard, screened in porch, in-ground heated pool and hot tub are great for summer BBQ’s and backyard recreation! The 1.5 car garage has plenty of storage space and the extra long driveway provides off-street parking galore. The location is very convenient with most major services within 1 mile including: gas, pharmacy, coffee and more, over 140 restaurants, 8 parks & 41 golf courses within 10 miles. This is a must see!
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Keller Williams Realty
Kathy Toth and Team are Washtenaw County, Michigan real estate experts who will guide home buyers and sellers through the entire real estate process. Our extensive knowledge of Washtenaw County areas, combined with decades of expertise in the local real estate market is extremely valuable to helping you achieve your goals. For quality service and personal attention during your real estate transaction, contact Kathy Toth and Team for all your home buying and selling needs.
We want to be your real estate agents!
774 Calder Court, Saline, MI – Ann Arbor Area Real Estate for Sale
Stop scrolling… you’ve just found the perfect home! This affordable brick ranch is located on a quiet cul-de-sac in Saline’s popular Rolling Meadows. The seller has taken great care to make sure this home is ready for its next owner! The hardwood was just refinished, the paint is fresh, the carpet is new the only thing missing is you! This floorplan offers 3 bedrooms, 1 full bath and 1 half bath on the main level. The spacious kitchen has granite countertops, breakfast bar seating and an awesome over-the-sink greenhouse window that will give you a view of the large fenced back yard. Hang out in the formal living room or in the spacious family room near the cozy wood stove or relax on the screened porch or deck. The finished lower level adds additional flex space plus there is a separate room for a study or whatever you choose! An attached garage is a huge convenience in Michigan. Brand new front porch! Residents of Rolling Meadows enjoy picturesque treelined streets with sidewalks and green space in the community park. Walking distance to Downtown Saline and highly acclaimed Saline Schools! Schedule your private showing today, this one won’t last long!
Additional ANN ARBOR AREA REAL ESTATE Listings
Toth Team, Worldwide Network
Your Ann Arbor Real Estate Experts
Keller Williams Realty
Kathy Toth and Team are Washtenaw County, Michigan real estate experts who will guide home buyers and sellers through the entire real estate process. Our extensive knowledge of Washtenaw County areas, combined with decades of expertise in the local real estate market is extremely valuable to helping you achieve your goals. For quality service and personal attention during your real estate transaction, contact Kathy Toth and Team for all your home buying and selling needs.
We want to be your real estate agents!
232 Tiplady Road, Pinckney, MI – Ann Arbor Area Real Estate for Sale
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Welcome home to this lovely Pinckney 4 bed, 2.5 bath Dutch colonial! At just over 2,300 square feet of living space and sitting on a heavily wooded 1.9 acres and backing up to the Reichert Nature Preserve. This home is just what you’ve been looking for. Walk in to find a spacious living room with plenty of natural light, open kitchen, 1/2 bath and dining room. Upstairs you’ll find a spacious master bedroom, 3 additional well-size rooms and an additional full bath. In the partially finished walkout basement, you will enjoy another full bath and plenty of space for entertaining, storage, etc. The separate additional 2-car outbuilding is the perfect place for car/recreational vehicle enthusiasts and the 2nd floor offers so much potential! From additional living space, tons of storage, home gym – the possibilities are endless! Updates include brand new windows (95%), a newer roof (2013), new soffit, trim, gutters/downspouts, and furnace (2018).The location is very convenient with most major services within 3 miles including: gas, cleaners, ATM, groceries, pharmacy, coffee shops & more. The lovely home is within the Pinckney School District and surrounded by 4 lakes, a nature preserve, Pinckney Recreation Recreation Area and is a MUST see!
Additional ANN ARBOR AREA REAL ESTATE Listings
Toth Team, Worldwide Network
Your Ann Arbor Real Estate Experts
Keller Williams Realty
Kathy Toth and Team are Washtenaw County, Michigan real estate experts who will guide home buyers and sellers through the entire real estate process. Our extensive knowledge of Washtenaw County areas, combined with decades of expertise in the local real estate market is extremely valuable to helping you achieve your goals. For quality service and personal attention during your real estate transaction, contact Kathy Toth and Team for all your home buying and selling needs.
We want to be your real estate agents!
The Delia Group and Toth Team Join Forces
Delia Group and Toth Team alliance “Powered by Infinity”
The Delia Group of Rochester, MI, and the Toth Team of Ann Arbor, MI, have formed a new real estate alliance, combining the strength of five brokerages under a unified operating system powered by the Infinity Group. The combined organization will provide an unmatched breadth of services for home buyers and home sellers in the counties of Oakland, Macomb, Wayne, Lapeer, Genesee, Saint Clair, Washtenaw, Livingston, Kent, Ottawa, Muskegon and Newaygo.
While each company will retain its own brand identity, the Infinity Group will provide sales and marketing support, transaction management, technology support plus an array of client services and agent resources. In addition to The Delia Group and the Toth Team, brands powered by Infinity include Paint Creek Title, Keller Williams Paint Creek and Keller Williams Somerset. An insurance company and a property management company are in future expansion plans.
The new alliance builds on the market leadership demonstrated by Joe Delia of the Delia Group and Kathy Toth of the Toth Team. Each is ranked among the top one percent of REALTORS© nationally.
Joe Delia, CEO of the Delia Group and the Infinity Group, began his real estate career in 2013. By 2017, he was the Operating Principal of Keller Williams Paint Creek and Keller Williams Somerset, with $280 million in sales. His ability to capitalize on new technologies and leverage efficiencies enabled the creation of the Infinity Group, which today serves as the parent company for multiple real estate businesses. The Toth Team is the latest company to become powered by Infinity.
The Toth Team, founded by Kathy Toth, is a well-known name in greater Ann Arbor real estate, having been featured on HGTV’s “House Hunters” and endorsed by Martin Bandyke on radio 107.1. Toth has been featured in the Small Business Review and numerous other publications. With over 30 years of professional real estate experience, Toth’s skills as a real estate coach and trainer will serve a vital role in the Infinity Group.
“Kathy Toth does a phenomenal job with coaching and marketing, and her team’s performance is top-notch,” says Delia. “We’re excited to welcome her to the Infinity Group family of companies.”
For Kathy Toth, joining the Infinity Group was a confident decision. “Joe Delia knows how to make things happen,” says Toth. “He has a vision for the future, and the infrastructure to achieve that vision. We share a deep commitment to our clients and to the success of our teams. This is a win-win for everyone.”
With the Delia Group and the Toth Team powered by Infinity, both companies have charted a course for growth while ensuring that each client receives the best service in the industry. For more information, contact Stephanie Atias, Director of Operations, 248-515-4272.
1411 Collegewood Drive, College Heights Subdivision, MI – Ann Arbor Area Real Estate for Sale
Welcome home to this lovely 3 bedroom, 2 bath classic brick ranch on a tree-lined street in the highly sought after College Heights Subdivision. Walk in and find a spacious living room with beautiful natural light and hardwood flooring that continues into the open concept kitchen and dining area. Down the hall, you’ll be greeted by 3 well-sized bedrooms and a full bath. The open, airy family room overlooking serene backyard is the perfect place to relax after a long day! Downstairs, the finished basement with additional family living area and 2nd full bath provides tons more space for entertaining or just evenings with the family! Running errands is a breeze with most major services within 1 mile including: gas, cleaners, ATM, groceries, pharmacy, etc. Schedule your showing today!
Additional ANN ARBOR AREA REAL ESTATE Listings
Toth Team, Worldwide Network
Your Ann Arbor Real Estate Experts
Keller Williams Realty
Kathy Toth and Team are Washtenaw County, Michigan real estate experts who will guide home buyers and sellers through the entire real estate process. Our extensive knowledge of Washtenaw County areas, combined with decades of expertise in the local real estate market is extremely valuable to helping you achieve your goals. For quality service and personal attention during your real estate transaction, contact Kathy Toth and Team for all your home buying and selling needs.
We want to be your real estate agents!
3600 Arvilla Drive, Whitmore Lake, MI – Dexter Area Real Estate for Sale
This is a GREAT opportunity to own the last 2 acre lot available on Arvilla Lane! Arvilla Lane properties enjoy low township taxes and are in the sought-after Dexter School System! What a wonderful place to build your own custom dream home! The lot is perfectly lined with mature pines on all sides, this parcel is square shaped and has a 36×54 pole barn on a slab. Properly permitted 350-amp electrical to pole barn has been completed and all that will need to be done is bring the line from the pole to the future house! All within the Dexter School District, so close to Ann Arbor and all it has to offer. This is a must see!
Additional ANN ARBOR AREA REAL ESTATE Listings
Toth Team, Worldwide Network
Your Ann Arbor Real Estate Experts
Keller Williams Realty
Kathy Toth and Team are Washtenaw County, Michigan real estate experts who will guide home buyers and sellers through the entire real estate process. Our extensive knowledge of Washtenaw County areas, combined with decades of expertise in the local real estate market is extremely valuable to helping you achieve your goals. For quality service and personal attention during your real estate transaction, contact Kathy Toth and Team for all your home buying and selling needs.
We want to be your real estate agents!
Your January 2021 Market Update
Here’s what’s going on in our Michigan real estate market.
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We can honestly say that the real estate market is hotter than it’s ever been. We currently have a 1.7-month supply of homes in Ann Arbor Schools—anything less than five months is a seller’s market. Each area and price segment are different, so be sure to check with your agent to see additional trends.
Across the nation, home prices are rising.
The National Association of Realtors’ chief economist says that the pool of the interested buyers at the end of 2020 outweighed what was available for sale, and inventory is at record lows across Michigan. We’re also seeing more people who want to purchase a home rather than rent, and many need a different setup to accommodate schooling from home, working from home, and so on. The driving forces behind these trends include interest rates, upcoming vaccines, and the resolution of the U.S. election.
All in all, right now is a perfect time to put your house on the market. Whether you’re upsizing or downsizing, know that across the nation, home prices are rising. Residential home prices are up by 3.8% and the average price for a condo is up .3%.
For trends and specific pricing for Chelsea, Dxter, Ypsilanti, Saline, Ann Arbor, Manchester, and Milan click this https://www.
If you’re thinking about selling your home and want more money from your sale in less time, reach out and give us a call. We’re here to help add value to your transaction.
11460 Hearthside Drive, Pinckney, MI – Ann Arbor Area Real Estate for Sale
Located at the end of a paved cul-de-sac in Pinckney’s Hearthside Estates, you’ll find this beautiful and private custom home surrounded by 5.95 acres with plenty of green space and serene natural views from every angle. This home offers a main floor master suite with 3 additional generously sized bedrooms upstairs. The two-story great room is warmed by a stone fireplace and adjoins the center island eat-in kitchen. Plenty of windows showcase the abundant nature outside and let in the sunshine. The convenient first floor laundry room is located just off the 3-car garage. The finished walkout lower level includes a 5th bedroom or home office plus full bath and kitchenette. And the cherry on top? It’s the 30×40 outbuilding with a concrete floor and 220 electric. Recent updates include: HVAC (2019), well pump (2019), windows and lighting in the outbuilding, brand new carpet and more! Get your exercise on the trail that circles the home or enjoy all the area can add to your lifestyle with nearby state land, Potawatomi Trail, Portage Lake boat launch and more! By the way, you could have horses here with space for a pasture up front! As the seller says, this is not a two-dimensional property. Come see it with your own eyes! Schedule a private showing today.
Additional ANN ARBOR AREA REAL ESTATE Listings
Toth Team, Worldwide Network
Your Ann Arbor Real Estate Experts
Keller Williams Realty
Kathy Toth and Team are Washtenaw County, Michigan real estate experts who will guide home buyers and sellers through the entire real estate process. Our extensive knowledge of Washtenaw County areas, combined with decades of expertise in the local real estate market is extremely valuable to helping you achieve your goals. For quality service and personal attention during your real estate transaction, contact Kathy Toth and Team for all your home buying and selling needs.
We want to be your real estate agents!
11460 Hearthside Drive, Pinckney, MI – Ann Arbor Area Real Estate for Sale
Located at the end of a paved cul-de-sac in Pinckney’s Hearthside Estates, you’ll find this beautiful and private custom home surrounded by 5.95 acres with plenty of green space and serene natural views from every angle. This home offers a main floor master suite with 3 additional generously sized bedrooms upstairs. The two-story great room is warmed by a stone fireplace and adjoins the center island eat-in kitchen. Plenty of windows showcase the abundant nature outside and let in the sunshine. The convenient first floor laundry room is located just off the 3-car garage. The finished walkout lower level includes a 5th bedroom or home office plus full bath and kitchenette. And the cherry on top? It’s the 30×40 outbuilding with a concrete floor and 220 electric. Recent updates include: HVAC (2019), well pump (2019), windows and lighting in the outbuilding, brand new carpet and more! Get your exercise on the trail that circles the home or enjoy all the area can add to your lifestyle with nearby state land, Potawatomi Trail, Portage Lake boat launch and more! By the way, you could have horses here with space for a pasture up front! As the seller says, this is not a two-dimensional property. Come see it with your own eyes! Schedule a private showing today.
Additional ANN ARBOR AREA REAL ESTATE Listings
Toth Team, Worldwide Network
Your Ann Arbor Real Estate Experts
Keller Williams Realty
Kathy Toth and Team are Washtenaw County, Michigan real estate experts who will guide home buyers and sellers through the entire real estate process. Our extensive knowledge of Washtenaw County areas, combined with decades of expertise in the local real estate market is extremely valuable to helping you achieve your goals. For quality service and personal attention during your real estate transaction, contact Kathy Toth and Team for all your home buying and selling needs.
We want to be your real estate agents!
Today I’m joined by Chad Whistler whose been handling mortgages since 1998. In today’s short question and answer session, I’m asking Chad all about forbearance:
What is forbearance?
Forbearance is a temporary postponement of your current mortgage payment. Your lender has to approve of this so you can put your payments on hold until you’re able to afford them again.
Why might it be a good idea to get a forbearance on a mortgage?
If you’re struggling financially, forbearance gives you the chance to get back on track. The lender is required to allow it for up to six months, then extend it six months if needed so you have up to a year of postponed payments.
Is there a risk to forbearance?
The negative side is that you’re extending the time period of your loan. If you’re working toward paying off your loan, it could be an issue. Placing payments on hold means you may have trouble getting financing in the future. For example, if you want to sell your home and buy a new one, you might not get approved for a loan. If you’re in deferment, you cannot obtain a new mortgage.
To qualify for a new loan or refinance, you must be out of deferment and have had three on-time monthly payments in a row. The “rule of three” is crucial.
You should also know that some lenders require you to pay all your deferred payments at the end of your forbearance period in a lump sum. Speak to either Chad or me so we can guide you through matters of forbearance.
If you want to discuss your options for free, email Chad at [email protected] or call him directly at (248) 840-9559.
If you want to discuss forbearance or anything else with me or my team (also for free), give us a call at 866-696-8447. We’re here to add value and connect you with a top real estate agent anywhere in the world if you need them. We’d love to help with whatever you need.
If you’re thinking about selling your home and want more money from your sale in less time, reach out and give us a call. We’re here to help add value to your transaction.