Ann Arbor Area Real Estate: 8225 Blue Jay Drive

8225 Blue Jay Drive

blog1 blog2

Bedrooms: 4 Bathrooms: 2.5 Square Feet: 2,330







Super opportunity to own this beautiful well taken care of Short Sale” home. This Ann Arbor Area Real Estate has a two story foyer with hardwood floors. Light filled family room with fireplace and volume ceiling. Center island kitchen with breakfast nook and hardwood floors.Formal dining room with crown and chair rail molding.The living room flows into formal dining room. Master suite with cathedral ceiling and master bath with soak tub and separate shower. Tree lined back yard. Two and a half car attached garage. Full basement for extra storage.Professionally landscaped with sprinkler system.If you don’t add this Propertunity to your favorites soon, you might be kicking yourself. Just minutes away from shopping and restaurants.Just 20 minutes from downtown Ann Arbor and 20 minutes to Detroit Metropolitan Airport. Newer Wallside Windows. Basement is plumbed for full bath. The sale of this home is subject to bank short sale approval and seller acceptance of bank terms.

Related Links

See Extra Photos for 8225 Blue Jay Drive

Please visit our website for a complimentary MLS search



Kathy Toth and Team

Keller Williams Realty

Should Ann Arbor Area home owners do “Strategic Default” ?

3 Reasons the Term “Strategic Default” Is Misleading

In a recent study, the Chicago Booth/Kellogg School Financial Trust Index found that a full 36% of Americans would consider “strategic default”—another term for walking away from your mortgage—if they were underwater (owed more on their home than what it was worth).

Now that more than one in four American homeowners is “underwater,” I feel that it’s important for the community to know the truth about strategic default.

The truth is the foreclosure process carries with it credit issues, current and future employment challenges, issues with security clearance and possible debt collections.

That’s why it is vital to explain the 3 reasons why the term “strategic default” is misleading:

  1. There’s nothing strategic about defaulting on purpose, especially when you have options like short sales, mortgage modifications, and refinance (just to name a few) that may keep you from foreclosure.
  2. The waiting periods to apply for a new mortgage loan are at least five years less in a short sale vs. a foreclosure.
  3. A foreclosure will show up on your credit report every time you apply for a home loan, car loan, new job, etc., and will affect your financial situation for many years to come.

Luckily, we are experiencing less foreclosures in Washtenaw County in 2012.  There are 177 homes in our Ann Arbor Area Board that are foreclousres and or short sales today.

If you are under water and can no longer afford your mortgage payments, you need to create a genuine strategy to avoid foreclosure, helping to provide stability for you and our community.  You may be eligible for a Short Sale.

If you have any questions about what steps you or someone you care about should take next, contact us today! 734-426-6669

Kathy Toth, CDPE

Ann Arbor Real Estate: 140 Ridgeview Court, Grass Lake Schools

140 Ridgeview Court, Grass Lake

Bedrooms: 3          Bathrooms: 1.1          Square Feet: 1,150

Short Sale subject to bank approval. This well designed ranch can easily double in square footage if the partially finished lower level walkout is finished. Lower level is also plumbed for a full bath. Small is beautiful in this kitchen, which uses every inch of space to the fullest. The design blends the kitchen into the adjoining great room area, providing a seamless flow for day-to-day activities and entertaining. The heart of the home is the great room with gas fireplace, which offers plenty of space for family and friends.  Don’t miss the opportunity to own this attractive Ann Arbor Real Estate.

Related Links

See Extra Photos for 140 Ridgeview Court
Please visit our website for a complimentary MLS search


Kathy Toth and Team

Ann Arbor Market Center
Keller Williams Realty

Short Sale Explained in Video: Is Ann Arbor Area Short Sale for You?

Many home owners in Washtenaw County are finding it impossible to make the mortgage payments after dipping into all of their savings.  Please look at options before heading into foreclosure.

Here is a quick video explaining one of the options – a short sale.

If you have talked to your lender, and even your attorney, then you should know about some choices.  If you are looking for Ann Arbor Area Certified Distressed Property Experts with short sale experience, call our Ann Arbor Real Estate Eperts to discuss what is best for  you:  Kathy Toth has co authored a book titled Should I Short Sale My House?

Was this short sale video helpful?



Facing Foreclosure in Ann Arbor Area?

IMPORTANT – If You Know Anyone Facing Foreclosure, Please Make Sure They Read This!

Ok… so here comes the Big “SECRET.” Are you Ready for it?

It’s earth SHATTERING! – It’s going to ROCK your world… You’ll never look at homeownership, or the “American Dream” The Same Way Again.



Because you… and your home… and your life.



Do You Understand What This Means?


This means that all that worrying you’re doing. About how you’re going to pay next month’s mortgage. Or about how you might not be “holding up your end of the deal.”

About how you have to “do the right thing…”

You Can Let Go Of All That — RIGHT NOW!

You can stop fighting with your spouse about money.

Stop losing sleep.

Stop fighting a losing battle…




Here’s the thing.  There’s a legal document associated with your mortgage. You pretty much know what it says, right?

It says if you don’t pay your mortgage, the bank can foreclose on you. They can take legal action.

And force you to leave….

But guess what.

IT’S GOING TO Take Them a LONG Time!


You see?

The guys who are sending you those letters. And calling you. And telling you that you’re behind on your mortgage payments. They don’t know you. They don’t care about you. And you are not going to hurt them if you just ignore them.

Have you ever really thought about what’s going to happen if you just stop paying? How it’s probably going to take them at least 6 months to force you to move unless you have vacated the house.

How they can’t just show up and kick you to the curb. And they have to give you fair warning… advance notice… that you have to move.

Which means …

You Have Time To Prepare


So really there’s no rush. No need to panic. You can take your time… and get a little “Strategic” about your situation.

You can stay in control.

If you or someone you love is facing foreclosure — and if you’re thinking about trying to “tough” it out.

Just ask yourself: Who am I doing this for?

For some big bank who just sees me as a business transaction? For myself, because I signed a document that said I would pay?

For my family? Because I care what the neighbors think? Because I’m proud?

No no no…  Think about it…

You signed a document that said if you don’t pay, they can eventually — (after they go through a whole bunch of legal steps) — force you to leave your home.

So the Reality of Your Situation Is


The reality of your situation is that you probably have 3,6,9 months maybe even a year or more to get ready for where you’re going to live next. If you have 3 or more acres, you have 12 months.

You have time to SAVE that money you would usually pay for your mortgage.

To squirrel it away. To build up a nest egg.

So when the BIG DUMB BANK finally gets around to kicking you out…You have the cash you need to find a suitable rental.

A Place to live with a monthly payment that’s a little less above your means.

A place and a monthly payment that can give you and your family a fresh start…

A happy home – instead of one where there’s a whole bunch of stress over how you’re going to make those “TOO BIG TO FAIL” banks happy…

Come on.


Really… who’s more important?


You… Or them?

And besides, they’ll be all right anyway right — after all, it’s their fault you can’t just sell your house and get out of this mess.

And NOT ONE of them has gone to Jail For It!

We Understand You Might Love Your Home


Sure. That’s fair. You like where you live. You love your home….

And you might be thinking you want to tough it out and stay because after all… it’s your home.

We get that.

But is hanging on to that dream really worth all the stress? All the damage it’s doing to your mindset, and your health when you can’t get a good nights sleep?

No… it’s not worth it. If you really think about it… It’s not worth it…

And If You’re Worried About Your Credit Score



It’s  ”Credit” that got us all into this mess! Kicking the can down the road. Thinking “we’ll pay for it later…”

That’s the big problem here. You need to realize that you don’t need credit!

Won’t it feel good to just live within your means. Spend what you actually have, and nothing more. Become part of the solution instead of part of the problem?

Maybe save a few bucks where you can… or rent a movie instead of going to the theater?

Stop letting those big dumb banks win again by charging you crazy interest rates on your own money?

(Yeah. Can you believe it? They’ve been taking your hard earned money — the tax money you give the government — that the government gave to them — They’re taking that an lending it back to you… and charging you interest! )


We took the time to write this because we hope that this letter will help a few good people be a little happier, and a little less stressed out…

And because if more people get this message, perhaps it’ll force the Banks — and the Government to finally fail enough that they have to start doing the right  thing.

Because when the people who poisoned this whole system are forced to fail won’t things be better for all of us?

Think about it.

Can you see how not paying your mortgage this month might actually be your Patriotic Duty?

If you Have Any Questions About This Strategy…


Thanks for reading this letter. We understand that what we talked about here might be a little new for you.

And you might not fully grasp all the technical and legal issues attached to what we’re suggesting.  That’s ok.

Feel free to contact an attorney or just email us [email protected].  We will contact you shortly.

Ann Arbor Real Estate: 3942 Bemis Road, Ypsilanti, MI, 48197

3942 Bemis Road, Ypsilanti

Bedrooms: 4
Bathrooms: 2.5
Square Feet: 1,568


Related Links

See Extra Photos and a Virtual Tour for 3942 Bemis Road
Please visit our website for a complimentary MLS search


Kathy Toth and Team

Ann Arbor Market Center
Keller Williams Realty

Solving Your Mortgage Crisis Just Got Easier in Ann Arbor Area

Solving Your Mortgage Crisis Just Got Easier

5 Steps for a Successful Short Sale in Washtenaw County

Lenders and the federal government, prompted by the sheer volume of loan modification and short sale requests, have overhauled their systems and programs, making the foreclosure avoidance process much easier than in the past.

If you are considering short selling your home to avoid the financial and emotional fallout of foreclosure, you should be aware of the five steps you should take to increase your chances of a successful transaction.

First, do you qualify?

You must:

  1. Have a verifiable hardship, like unemployment, medical bills, or relocation
  2. Must have a monthly income shortfall
  3. Be insolvent (you have no cash or assets that can be sold to pay down the mortgage), or headed towards insolvency

If you meet these qualifications, follow these five steps to a successful short sale:

  1. Contact me so we can identify your servicer, fill out a short sale packet for the lender, and assemble all the required information needed to list your home for sale
  2. Gather financial information (i.e., bank statements, pay stubs) from at least the last three months
  3. Keep your house in showcase condition for showings, and make as many repairs as necessary and that you can afford
  4. Expect the lender, junior lien holders, and private insurance companies to request more paperwork, and try to gather requested information quickly to ensure transaction efficiency
  5. Set realistic expectations and work with me, the lender, and the buyer to the satisfaction and benefit of all parties involved

For more information about how the short sale process works, or about any other foreclosure alternatives you may qualify for, call me today.  Kathy Toth and Team can help you alleviate the burden that the threat of foreclosure brings, and we can develop a strategy to help you breathe a little easier.


Dexter Real Estate: 6934 Wilson; Huron Farms Subdivsion, Dexter Schools

Huron Farms  6934 Wilson, Dexter Schools  Short Sale

Bedrooms: 3
Bathrooms: 2
Square Feet: 1,813

Lovely ranch home nestled among trees and nature, professionally landscaped, English-garden inspired lot minutes from Ann Arbor and I-94, walking distance to shopping, schools, adjacent pond and woodland areas. Beautiful, spacious paver patio. 10 ft ceilings, hardwood floors throughout main living area, granite kitchen, and every possible upgrade. Wired for home theatre projection system; approx. 110″ (4.5 ft X 8 ft) screen stays. A delightful retreat to come home to. Subject to short sale approval. Own your piece of Dexter Real Estate today!

Related Links
See Extra Photos for 6934 Wilson, Dexter Schools
Please visit our website for a complimentary MLS search

Additional DEXTER REAL ESTATE Listings


Kathy Toth and Team

Keller Williams Realty