• WavesWindSun

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*  Love Michigan's lakes & miles of sandy beach.  Grew up along the lakeshore enjoying: sailing, water skiing, body surfing the big waves, fishing, teaching swimming & life guarding.

*  Graduated in 1981 from Michigan State University with a B.S. in medical technology.

*  Started a real estate career in 1987 after working in the medical field for 7 years.

*  Proud to be extremely detail oriented, skilled at negotiation, & relentless in providing unparalled service.

*  Uncompromising when it comes to adhering to high ethical standards.

*  Welcome the opportunity to be YOUR West Michigan Shoreline real estate resource!

PLEASE NOTE: When I receive a Zillow contact and I believe another one of my team members will be a better "fit', then I will have one of the agents from our NEXES team contact you after your initial inquiry.
From time to time when my plate is too full, I will also need to refer you to one of our many very capable agents.
ALSO, as a service to you, I will put you in touch with either Emily Rose or Rob Garrison from Aspire Lending.  They will start working on a pre-approval letter for you if you are obtaining financing for your purchase.  I always want my buyers in the strongest negotiating position they can be in prior to their dream home popping up.

  *****Below are links you may find helpful*****

A) Very Simple payment calculator...just plug in your loan amount & an interest rate

B) How I may be able to save you $$$thousands$$$ as your buyer agent

C) Estimate what your real estate taxes will be

D) Principal Residence Exemption (PRE) Guidelines including the May 2012 law change.  PRE was know as homestead exemption.
You may be suprised to know that you may be able to claim 2 properties as 100% PRE if one is listed for sale. This is a 17 page guide that should answer most of your questions on this topic.  Print it and take it along the next time you have a meeting with your CPA.

:
pams@nexesrealty.com cell: 231.744.3585


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A)   WHAT WILL MY PAYMENT BE ??
http://www.teamgarrison.net/calc_simple.html 

B)  MICHIGAN PROPERTY TAX ESTIMATOR-
https://treas-secure.state.mi.us/ptestimator/PTEstimator.asp

C)  BELOW IS THE LINK FOR THE "GUIDELINES FOR THE MICHIGAN PRINCIPAL RESIDENCE EXEMPTION PROGRAM ", PRE- ALSO known as "homestead exemption".

Page 4 addresses requirements for receiving an exemption on more than one home.

The Guidelines were published prior to the PRE law change, May of 2012.  Substitute June 1 and November for May 1.

http://www.michigan.gov/documents/2856_11014_7.pdf


Governor signs new Principal Residence Exemption Law change May 2012 :
 (old term is- Homestead Tax Exemption)
This is great news for home buyers in Michigan! Previously, if you purchased a home in Michigan, there was a May 1st yearly deadline to claim the Principal Residence Exemption (approximately 40% property tax savings yearly). The new filing deadlines are June 1st and also November 1st. What this means for homebuyers, is that the amount of taxes escrowed into your mortgage may be greatly reduced, giving you a lower monthly mortgage payment. Additionally, the new law allows foreclosing lenders to keep the homestead on a foeclosed property, so lenders for the new purchaser are using the lower tax rate to figure escrowed taxes. In the past, many buyers were turned down by lenders because their payment would be too high with the extra 40% taxes included in their mortgage payment. Good for Michigan!
Below is the link to the "Guidelines for the Michigan Principal Residence Exemption Program",  PRE, was formerly known as "homestead exemption".
Page 4 addresses requirements for receiving an exemption on more than one home.
The Guidelines were published prior to the PRE law change May of 2012.  Substitute June 1 and November for May 1.
http://www.michigan.gov/documents/2856_11014_7.pdf