• 910 sq. ft., 1 bath, 2 bdrm 2 story - MLS® $65,000 Columbian Park Area, Lafayette  -  Enjoy the Seasons in This Home! Relax on the Inviting Front Porch, while Swinging on Your Porch Swing. Walk to Columbian Park, Arni's, and The Frozed Custard. Entertain Guests on the Paver Patio in the Large Fenced in Backyard. You'll Love the Extensive Planting & Landscaping, with Perrinials to Bloom for years. The Open Design of this Home Flows Perfectly. The Large Living Room, Dining Room, and Den offer Versatility for Furniture Placement. Beautiful Renovations in the Kitchen with Lovely Cabinetry & Flooring. The Bathroom has also been Renovated, with Ceramic Tile Flooring, Pedestal Sink, and all New Fixtures. Rest in the Upstairs Bedrooms, and keep cool with Hunter Ceiling Fans. Den could easily... 07/14/2008

After not selling with a broker from another company, no luck for sale by owner, we got it SOLD!Brookfield Heights, Lafayette  -  The 2 story at 5 Goldersgreen has been sold! Property information Are you ready to sell your home?  WE ARE! Why hire an agent?  HIRE A GROUP!  We have already sold over 70 homes so far in 2008! Call Your Real Estate Specialists Group today!  (765)426-1141 07/14/2008

• 1,285 sq. ft., 2 bath, 3 bdrm single story "Ranch" - $80,000 Lafayette, Indiana  -  Best Home Value in the Neighborhood For the Price! Extensive Updating has been completed, with Attention to Every Detai! You Will Love the New Kitchen, Featuring New Flooring, New Light Fixtures, & All New Appliances: Refrigerator, Dishwasher, Oven/ Range, Microwave / Range Hood, and Garbage Disposal. All New Carpeting, Paint, Ceiling Fans, and Trim Throught the Home. New Heat Pump & Central Installed with a Transferrable 10 year Warranty. Newly Remodeled Master Bath with New Flooring, Paint, Vanity Sink, Medicine Cabinet, and Light Fixtures. All Windows are Equipped with New Screens. Great Curb Appeal with all New Mulch & Landscaping. Enjoy the Large Fenced Yard with Deck for Entertaining. Convenientl... 07/14/2008

• 880 sq. ft., 1 bath, 3 bdrm ranch "Ranch" - MLS® $71,000 Lafayette, Indiana  -  Refreshing Home with Many Recent Updates: 2008: All New Carpeting, New Blinds, New Central Air, New Garage Siding, New Garage Roof, Freshly Painted Throughout. 2005: New House Roof, New Water Heater. Enjoy the Large Fenced Yard, Mature Shade Trees, and Back Patio. The Garage is Equipped with Electric Door Opener. This Home is Ready for You to Move In! Won't Last Long!Call Becky Johnson for your personal tour of this home: (765)426-2083 Property information   This home is ready for you! 07/14/2008

The Benefits of a Professional Consultant Choosing a good lender is a key element in managing your mortgage.  A professional consultant won't just provide a loan, they will help you select the one most beneficial to you and your long-term goals, and then, help you manage that debt over time. There are not many lenders out there who provide this type of personalized service. My job is just beginning when your first loan closes. I will monitor rates on your behalf, and stay in touch with you to make sure we remain on target with your financial goals. Seeking Pre-Approval What's the difference between pre-qualification and pre-approval? Pre-qualification is the starting point in your search for mortgage financing. A quick snapshot is taken which includes income, existing debt, savings, len... 07/08/2008

Erika Fultz | Keller Williams Realty | (765)404-5855 3925 Rushgrove, Lafayette, IN Luxurious Ranch in The Commons. SunRoom, Open Floorplan, Master Suite, & More! 3BR/2.5BA Single Family House offered at $194,900 Year Built 2008 Sq Footage 2,087 Bedrooms 3 Bathrooms 2 full, 1 partial Floors 1 Parking 2 Car garage Lot Size 0 sqft HOA/Maint $0 per month DESCRIPTION This Luxurious Ranch Home offers Everything You Have Been Waiting For! Relax in Your Sunroom, or Next to the Fireplace Features 3 Bedrooms, 2.5 Baths, and 2,087 SF. The Gourmet Kitchen boasts Stainless Steel Appliances, A Large Island, Ceramic Tile Backsplash, and Pantry. The Open Floorplan is Perfect for Entertaining! The Commons Neighborhood offers a Community Clubhouse & Pool, Basketball & Tennis Courts, Picnic Shelters, and... 07/07/2008

Scott Brown | Keller Williams Realty | (765)714-1971 2468 Silverado, Lafayette, IN LUXURIOUS LIFESTYLE, POND VIEW, EXECUTIVE CONDO 3BR/2BA Condo offered at $235,000 Year Built 2007 Sq Footage 1,710 Bedrooms 3 Bathrooms 2 full, 0 partial Floors 1 Parking 2 Car garage Lot Size Unspecified HOA/Maint $135 per month DESCRIPTION Call Scott Brown to View This Home: (765)714-1971 Escape to Serenity at this Executive Condo in Ravenswood. Exquisite Bright & Open Designs with Custom Detail Throughout. GorgeousViews of the Pond from the Veranda Year Round. Great Room Features a Fireplace, Large Windows, and Vaulted Ceilings. Gourmet Kitchen Boasts Stainless Appliances, Hardwood Floors, and Upgraded Cabinetry. Relax in the Master Suite, Featuring Walk-In Closet off the Bathroom, Double Vanity Sinks... 07/07/2008

Scott Brown | Keller Williams Realty | (765)714-1971 1100 Wea Valley, Lafayette, IN Luxury Estate on 5 Acres with Inground Pool & Full Finished Basement 4BR/3.5BA Single Family House offered at $689,900 Year Built 1993 Sq Footage 5,576 Bedrooms 4 Bathrooms 3 full, 3 partial Floors 3 Parking 4+ Car garage Lot Size 5 acres HOA/Maint $0 per month DESCRIPTION Grand First Impressions in Wea Valley. Enjoy time with family & friends in this hidden subdivision just 1 mile from everything. A yard large enough to hit golf balls, and 6 car bays for your toys. Entertain pool side, or in the finished basement featuring a complete kitchen, fireplace, and theater room. Enjoy the seasons year round in the 4 Seasons Sun Room, overlooking the 5 acres of trees and lovely landscaping. see additional photo... 07/07/2008

Erin Romanski and The Romanski Group | Keller Williams Realty | 765-807-7121 348 Blakely Drive, Lafayette, IN Great ranch close to I-65 and new hospitals! 3BR/2BA Single Family House offered at $100,000 Year Built 2002 Sq Footage 1,109 Bedrooms 3 Bathrooms 2 full, 0 partial Floors 1 Parking 2 Car garage Lot Size .12 acres HOA/Maint $0 per month DESCRIPTION Situated in a convenient east Lafayette location with easy access to I-65 and the new hospitals is this spacious ranch. This home offers a three bedroom split floor plan, two full baths with over 1100 square feet throughout. There is a foyer entry that opens into the great room with cathedral ceilings. The fully equipped eat-in kitchen and the laundry room have ceramic tile (new in '07). Additional features include some fresh paint, ... 07/02/2008

Erin Romanski and The Romanski Group | Keller Williams Realty | erin@romanskigroup.com | 765-532-6148 1432 Santanna Drive, Lafayette, IN Custom built 2-story home on 2 beautiful wooded acres in prestigious Julius Springs. 5BR/2.5BA Single Family House offered at $465,000 Year Built 2003 Sq Footage 3,445 Bedrooms 5 Bathrooms 2 full, 1 partial Floors 2 Parking 3 Car garage Lot Size 2 acres HOA/Maint $0 per month DESCRIPTION This custom built 2-story home is situated on 2 beautiful wooded acres in prestigious Julius Springs. Fine attention to detail is evident throughout this spacious home with five generous bedrooms, two and a half bathrooms. This home combines warmth and charm with many upscale amenities including cherry finished hardwood floors. This home offers nearly 3,500 square fee... 07/02/2008

Erin Romanski and The Romanski Group | Keller Williams Realty | 765-532-6148 1324 S. 24th, Lafayette, IN Adorable & charming 3 bedroom bungalow. 3BR/1BA Single Family House offered at $89,900 Year Built 1930 Sq Footage 956 Bedrooms 3 Bathrooms 1 full, 0 partial Floors 2 Parking 1 Car garage Lot Size Unspecified HOA/Maint $0 per month DESCRIPTION Adorable and charming bungalow home in a great central location in Lafayette! This home offers a spacious living room with beautiful refinished hardwood floors, a fully equipped kitchen, three bedrooms, and an updated bathroom. There is a full basement with an office and lots of storage space. Relax on the patio in the well manicured privacy fenced backyard offering a large storage barn. Additional features of this home include a 1-car detached... 07/02/2008

Once your loan package has been sent to the lender, there are a number of things you should avoid doing that may change your financial picture. Remember, the lender is looking for stability and consistency. If you want the best interest rate, keep that in mind. Here are a few things to consider: The lender wants to see what your source of down payment is.Your lender will most likely ask you to provide proof of your liquid assets. This includes bank statements for checking and savings accounts, verification of investments, and any other liquid assets. Some of the things they ask for may seem trivial, but keep in mind, if you are planning a move to a new home, it's important to have all documentation readily available. If the lender asks for cancelled checks or deposit receipts to meet ce... 07/01/2008

In a mortgage lender's eyes, a good credit score translates into lower interest rates for home-shopping borrowers. The higher your score is, the less risk you are, and the more likely it is you will pay off your debt. For this reason, borrowers with lower scores usually end up paying higher interest rates on their loans. If this is you, don't panic. Here are a few guidelines on what you can do to adjust your score and receive a favorable review from the underwriter: Should I pay off all past due balances and charge-offs?This is usually a good idea, but you only need to worry about the past due balances and charge-offs that have occurred in the last two years. Items more than two years old have little effect on your current credit score. In fact, if you pay off delinquent items over two ... 07/01/2008

A Step-By-Step Walkthrough  Pre-approval - Get pre-approved for a mortgage and know in advance exactly how much house you can afford. Completing this step will also increase your negotiating power since you'll be viewed as a "cash buyer". Loan Search - Put yourself in the hands of an experienced mortgage professional, someone who will help you to determine which financing options best suit your needs today and in the future. The Hunt - Begin shopping for a house. Once you find the right one, the terms of the sale will be negotiated, including the price and potentially the terms of the loan being sought. Loan Application - Supply your mortgage professional with all required information, and try to be as accurate as possible. It's essential to include all outstanding debts as well as asse... 07/01/2008

While it might be tempting to borrow whatever amount of money your lender is willing to give you, it's important to think carefully about how much you'll actually need to borrow in order to purchase a new home. From the down payment to taxes to insurance and interest rates, there are many factors to consider when making this important, life-changing decision. Contrary to popular sentiment, there is no standard formula for accurately calculating the specific dollar amount you should borrow when purchasing a new home. Many websites do offer special borrower calculators that claim to factor in important variables, and yet final results vary vastly from one site to the next. Other websites offer general rules of thumb, suggesting that you should never borrow more than 2 1/2 to 3 times your ... 07/01/2008

Are you trying to sell your home for sale by owner in the Lafayette or West Lafayette Area?  No Luck? You're in the same boat the McDowell's were!  They had their home listed with the broker of Remax for 4 months.  They only saw her twice, and only had 7 showings.  Needlesss to say, they didn't sell their home and they did not want to list with another realtor.  They listed themselves with FSBOLocal.com.  Two months ago, Your Real Estate Specialists Group sold 5122 Heritage in Brookfield Heights in Lafayette, Indiana.  We saw the FSBO sign at 5 Goldersgreen, and called to inform them that we just sold a home in their neighborhood after it had been listed with Coldwell Banker Shook for several months.  We told the McDowell's that we would like to offer our services to them, and get their... 06/26/2008

Erin Romanski and The Romanski Group | Keller Williams Realty | 765-807-7121 2350 N. 20th, Lafayette, IN Spacious and updated 2-story home with a basement! 3BR/1.5BA Single Family House offered at $92,500 Year Built 1920 Sq Footage 1,576 Bedrooms 3 Bathrooms 1 full, 1 partial Floors 2 Parking 1 Car garage Lot Size .12 acres HOA/Maint $0 per month DESCRIPTION This spacious home has been updated throughout and is ready to move into! This 2-story home offers three bedrooms, one and a half bathrooms with nearly 1600 square feet plus a basement. Features include a charming covered front porch, foyer entry with ceramic tile, large living room with pocket doors, a formal dining room and a den. Enjoy the remodeled oak kitchen with all the appliances and a breakfast nook. Addtional features inc... 06/20/2008

Erin Romanski and The Romanski Group | Keller Williams Realty | 765-807-7121 348 Blakely Drive, Lafayette, IN Great ranch close to I-65 and new hospitals! 3BR/2BA Single Family House offered at $102,900 Year Built 2002 Sq Footage 1,109 Bedrooms 3 Bathrooms 2 full, 0 partial Floors 1 Parking 2 Car garage Lot Size .12 acres HOA/Maint $0 per month DESCRIPTION Situated in a convenient east Lafayette location with easy access to I-65 and the new hospitals is this spacious ranch. This home offers a three bedroom split floor plan, two full baths with over 1100 square feet throughout. There is a foyer entry that opens into the great room with cathedral ceilings. The fully equipped eat-in kitchen and the laundry room have ceramic tile (new in '07). Additional features include some fresh paint, ... 06/20/2008

Erin Romanski and The Romanski Group | Keller Williams Realty | erinromanski@kw.com | 765-532-6148 4729 Saintsbury Court, Lafayette, IN Stunning new ranch w/ over 2000 sq. ft. 3 bedrooms plus a den! 3BR/2BA Single Family House offered at $189,900 Year Built 2006 Sq Footage 2,037 Bedrooms 3 Bathrooms 2 full, 0 partial Floors 1 Parking 2 Car garage Lot Size .25 acres HOA/Maint $0 per month DESCRIPTION Located in Hickory Ridge, this spacious ranch by Gunstra Builders, offers three generous bedrooms plus a den, two full bathrooms with over 2000 square feet. Features include a split floor plan, beautiful kitchen with a breakfast nook, great room with a gas log fireplace, ceramic tile flooring, large backyard with a patio and a 3-car attached garage. Contact The Romanski Group today at (765)... 06/20/2008

  Organize Your Documents A properly documented loan application makes your loan process go smoothly. This checklist will help you gather your paperwork. Complete and sign the residential loan application, Form 1003, and the attached loan info sheet, credit authorization and fair lending notice. Page 5 of the application is a continuation page in case you need additional space for your assets or liabilities. If you make a mistake while filling out the application cross it out, and make a change. Do NOT use whiteout. If you are salaried: provide W-2's for the previous two years and one month of paystubs. If you are self-employed, provide tax returns for the previous two years, including all schedules, and a YTD profit and loss statement. (Note: provide copies of all requested documents. ... 06/19/2008