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Meet Kam Warner

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Office: (419)874 7958
Cell: 419-345-5170
Fax: (419)874-9682
VM:
kamwarner@wellesbowen.com
 MEET KAM WARNER

Professional and Personal Qualifications

    • Toledo Board of Realtors®
    • Ohio Association of Realtors®
    • National Association of Realtors®
    2012,2013, 2014 Toledo Board of Realtors President’s Club Member
    Voted 2011 Best Realtor of the Year by the Toledo City Paper
    • Consistent Top Producer for Welles Bowen Realtors
    • Award of Achievement, Ohio Association of Realtors 2013
    • Award of Distinction, Ohio Association of Realtors, 2014
    • Bachelor’s and Master’s degrees from Bowling Green State University
    • Member of Ft. Meigs YMCA **Member Perrysburg Chamber of Commerce
    • Member of the Toledo Zoo • Specialize in residential real estate sales
    • Former career in Marketing and Public Relations
    • Perrysburg resident
    • Interests are rehabbing properties and spending quality time with my family
    • Free – without obligation or cost – consultation!

 

Serving Clients in Northwest Ohio

What are you waiting for?

Let’s get movin! Isn’t that one of the first phrases used upon deciding to venture into the real estate market? Whether you are ready to buy, sell or invest, I am here to help you realize your property goals. My proven background in marketing and my passion for real estate make me an excellent candidate to be your agent. My written guarantee to you is to communicate continuously throughout the real estate process so you are kept informed. I pride myself on turning many clients into extended family, as our relationship should be longstanding – not one that exists only for the duration of a transaction. To find out more about me and sales style opt to follow me on these social media sites that I actively participate – Facebook, YouTube, Twitter and LinkedIn.

 

Welcome Deana Deen to Welles Bowen

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Office: 419-891-0888
Cell: 419-283-8504
Fax: 419 891-1092
VM: 419-897-2700 x214
deanadeen@wellesbowen.com

Professional and Personal Qualifications

  • Toledo Board of Realtors®
  • Ohio Association of Realtors®
  • National Association of Realtors®
  • Member of The Leading Real Estate Companies of the World™
  • Member of the Multiple Listing Service
  • Specializing in Residential Real Estate Sales

 

My Pledge To You…

I pride myself with providing my clients with the utmost attention to their real estate needs. From selling your home to finding your dream home, I promise to assist my clients from start to finish!

 

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Here’s the Latest Article found for you by Brian Carroll

6 Reasons to Reduce Your Home Price

By: G. M. Filisko Published: March 19, 2010

While you’d like to get the best price for your home, consider our six reasons to reduce your home price.

These six signs may be telling you it’s time to lower your price.

1. You’re drawing few lookers

You get the most interest in your home right after you put it on the market because buyers want to catch a great new home before anybody else takes it. If your real estate agent reports there have been fewer buyers calling about and asking to tour your home than there have been for other homes in your area, that may be a sign buyers think it’s overpriced and are waiting for the price to fall before viewing it.

2. You’re drawing lots of lookers but have no offers

If you’ve had 30 sets of potential buyers come through your home and not a single one has made an offer, something is off. What are other agents telling your agent about your home? An overly high price may be discouraging buyers from making an offer.

3. Your home’s been on the market longer than similar homes

Ask your real estate agent about the average number of days it takes to sell a home in your market. If the answer is 30 and you’re pushing 45, your price may be affecting buyer interest. When a home sits on the market, buyers can begin to wonder if there’s something wrong with it, which can delay a sale even further. At least consider lowering your asking price.

4. You have a deadline

If you’ve got to sell soon because of a job transfer or you’ve already purchased another home, it may be necessary to generate buyer interest by dropping your price so your home is a little lower priced than comparable homes in your area. Remember: It’s not how much money you need that determines the sale price of your home, it’s how much money a buyer is willing to spend.

5. You can’t make upgrades

Maybe you’re plum out of cash and don’t have the funds to put fresh paint on the walls, clean the carpets, and add curb appeal. But the feedback your agent is reporting from buyers is that your home isn’t as well-appointed as similarly priced homes. When your home has been on the market longer than comparable homes in better condition, it’s time to accept that buyers expect to pay less for a home that doesn’t show as well as others.

6. The competition has changed

If weeks go by with no offers, continue to check out the competition. What have comparable homes sold for and what’s still on the market? What new listings have been added since you listed your home for sale? If comparable home sales or new listings show your price is too steep, consider a price reduction.

More from HouseLogic

How to ready your home for sale at little cost

How to review offers on your home

Other web resources

More on setting the right price

G.M. Filisko is an attorney and award-winning writer who made strategic price reductions that led to the sale of a Wisconsin property. A frequent contributor to many national publications including Bankrate.com, REALTOR® Magazine, and the American Bar Association Journal, she specializes in real estate, business, personal finance, and legal topics.

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Office: 419-891-0888
Cell: 419-266-8706
Fax: 419 891-1092
VM: Use cell
briancarroll@wellesbowen.com

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Linda Smith Brings You This Weeks Article

Congress Heaps Uncertainty on Financially Troubled Home Owners’ Misery

Published: November 12, 2012

Unless Congress extends the forgiven debt exemption, financially troubled home owners who short sell their homes to avoid foreclosure or otherwise have mortgages forgiven will get slammed with a huge tax bill in 2013.

The nation’s attorneys general worked hard to get the five biggest mortgage servicers to agree to a $25 billion settlement to help the nation’s financially troubled home owners avoid foreclosure.

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Linda Smith
Realtor

The national mortgage settlement was intended to help stop the housing market spiral and hold the banks accountable for foreclosure abuses.

Now, a good portion of that money may end up in Uncle Sam’s bank account, wrenched from the depleted pocketbooks of those same troubled home owners in the form of income taxes.

The tax rub occurs because IRS rules say a debt you get to walk away from is really income, which as you know, is taxable.

Here’s an example of how you could get taxed on a short sale, where you sell your home for less than you owe on the mortgage:

Say you have a $100,000 mortgage on your house. You short sell your house and net $75,000 after sales expenses. You repay your lender that $75,000, creating $25,000 in forgiven debt.

The IRS will add that $25,000 to your taxable income. So if you have no deductions and you’re in a 28% tax bracket, you’d owe $7,000 ($25,000 x 0.28) in tax on that forgiven debt.

Up until the end of this year, you can escape that forgiven debt tax because Congress created an exemption for you back in 2009. Unfortunately, that exemption expires at the end of 2012.

If you qualify for a foreclosure avoidance program, like a short sale (or any of the other ways that reduce what you owe, below), but you can’t close your deal until 2013, you could face a huge tax bill. A tax bill large enough to put you right back into another financial tailspin.
Principal reduction: The lender shaves off a specific amount from what you owe on your mortgage.

Recasted mortgage: If the lender reduces what you owe overall to lower your monthly payment, that reduction would count as forgiven debt.

Second mortgage waivers: The bank says you no longer have to repay your second mortgage and just wipes out that loan.

Foreclosure: You’d be taxed on whatever is left on the mortgage that you didn’t pay.

Finally, any time you find yourself in a cash-out situation, such as a home equity line of credit, exercise care, because not all of it will be necessarily forgiven.

There’s not a soul in Congress who’s opposed to extending the forgiven debt exemption, but it still might not happen. With the federal budget in full-on crisis mode, any legislation that concerns a tax issue faces an uphill battle.

But wait. It gets worse. Traditionally, Congress lumps all the expiring tax provisions into a single bill. That bill is among the last things Congress passes before it goes home in December. That means the odds of Congress passing the forgiven debt extension by itself aren’t good. In the last 15 years, Congress has never passed a bill extending only one expiring tax provision.

Going through the foreclosure process is incredibly stressful, even if things work out OK in the end. Having to sell your home because you can’t afford it anymore is devastating. Having the IRS send you a tax bill for the forgiven debt? That’s just cruel.

Contact Linda Smith Here:

Office: 419-352-6565
Cell: 419-276-2354
Fax: 419 352-2654
VM: 419-354-4871 ext.113
lindasmith@wellesbowen.com

lindasmith.wellesbowen.com

Susan Langendorfer Presents Why Home Equity Beats Facebook Equity

Why Home Equity Beats Facebook Equity

Article From HouseLogic.com By: Dona DeZube
Published: October 29, 2012

Facebook’s IPO and subsequent stock value points up a simple truth: It’s easy to get caught up in the notion of getting rich quick. But there’s no surer way to wealth than home ownership.

As Facebook’s IPO (http://abcnews.go.com/Business/facebook-ipo-roadshow-poised-hit-road/story?id=16263419#.T6LGAZpYtXA) approached, it was easy to start traveling down the “what if” path:“What if I had equity in Facebook?!? How rich would I be?”

If my parents had only bought me Berkshire Hathaway stock for my first birthday in 1962, I’d have made some serious money in stock equities.

Alas, they didn’t recognize the hot stock of their era any more than I would recognize the hot stock of mine.

Like most Americans, it’s home equity (http://www.houselogic.com/home-advice/equity-loans/home-equity-line-tips/), not stock equity, that will pad my bank account when I hit the retirement finish line.

About two-thirds of Americans invest in home ownership (http://www.houselogic.com/home-topics/the-home-ownership-matters-blog/), but only half of us invest in stocks. (I suspect this is in no small part because we have to make our mortgage (http://www.houselogic.com/home-taxes-financing/home-loans-mortgages/) payments every month or the bank comes and takes our houses back.)

The fact is, more of us are getting rich by buying and paying off our homes than by picking the next Facebook.

Here are some interesting facts from the National Center for Real Estate Research:

6 in 10 of us have more home equity than stock equity.

One-fifth of Americans’ total net worth is home equity.

Home owners accumulate, on average, $167,000 in their lifetimes, compared to $42,000 for renters.

The median wealth for the poorest American home owners, those earning less than $20,000, is 81 times that of renters with similar income.

In a recent study that took into account falling home prices, buying was still more likely to generate wealth than renting, simply because renters are more inclined to spend instead of save and invest in stocks (http://kenhjohnson.com/tag/wealth-accumulation/#19_1).

The bottom line is this: Even if renting appears cheaper on a spreadsheet, the forced savings of home ownership leads to wealth more reliably than renting. Many of us simply don’t have the willpower or motivation to save our discretionary income and invest it in stocks.

So unless you’ve got the inside track on the next hot future IPO, keep making your mortgage payments.

What’s worth more right now, your

IRA or your home? 

Susan Langendorfer

Susan Langenforfer
Realtor

 

Call Susan Langendorfer Today

Office: 419-891-0888
Cell: 419-283-7200
Fax: 419 891-1092
VM: 419-897-2700 ext. 229
susanlangendorfer@wellesbowen.com

susanlangendorfer.wellesbowen.com

6 Reasons to Reduce Your Home Price from Susie Thomas

An icon from the Crystal icon theme. Nederland...

While you’d like to get the best price for your home, consider our six reasons to reduce your home price.

These six signs may be telling you it’s time to lower your price.

1. You’re drawing few lookers

You get the most interest in your home right after you put it on the market because buyers want to catch a great new home before anybody else takes it. If your real estate agent reports there have been fewer buyers calling about and asking to tour your home than there have been for other homes in your area, that may be a sign buyers think it’s overpriced and are waiting for the price to fall before viewing it.

2. You’re drawing lots of lookers but have no offers

If you’ve had 30 sets of potential buyers come through your home and not a single one has made an offer, something is off. What are other agents telling your agent about your home? An overly high price may be discouraging buyers from making an offer.

3. Your home’s been on the market longer than similar homes

Ask your real estate agent about the average number of days it takes to sell a home in your market. If the answer is 30 and you’re pushing 45, your price may be affecting buyer interest. When a home sits on the market, buyers can begin to wonder if there’s something wrong with it, which can delay a sale even further. At least consider lowering your asking price.

4. You have a deadline

If you’ve got to sell soon because of a job transfer or you’ve already purchased another home, it may be necessary to generate buyer interest by dropping your price so your home is a little lower priced than comparable homes in your area. Remember: It’s not how much money you need that determines the sale price of your home, it’s how much money a buyer is willing to spend.

5. You can’t make upgrades

Maybe you’re plum out of cash and don’t have the funds to put fresh paint on the walls, clean the carpets, and add curb appeal. But the feedback your agent is reporting from buyers is that your home isn’t as well-appointed as similarly priced homes. When your home has been on the market longer than comparable homes in better condition, it’s time to accept that buyers expect to pay less for a home that doesn’t show as well as others.

6. The competition has changed

If weeks go by with no offers, continue to check out the competition. What have comparable homes sold for and what’s still on the market? What new listings have been added since you listed your home for sale? If comparable home sales or new listings show your price is too steep, consider a price reduction.

By: G. M. Filisko Published: March 19, 2010

Susie Thomas, Realtor

Office: 419-535-0011
Cell: 419-367-3974
Fax: 419 535-7571
VM: 419-539-2700 ext. 135
susiethomas@wellesbowen.com

You can find Susie’s website by clicking here.

 

 

More from HouseLogic

How to ready your home for sale at little cost

How to review offers on your home

Other web resources

More on setting the right price

G.M. Filisko is an attorney and award-winning writer who made strategic price reductions that led to the sale of a Wisconsin property. A frequent contributor to many national publications including Bankrate.com, REALTOR® Magazine, and the American Bar Association Journal, she specializes in real estate, business, personal finance, and legal topics.

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Buying or Selling? Should You Use the Assistance of a Realtor®?

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Written by Mary Ann Coleman, Manager Welles Bowen Realtors Oregon Office

Today’s real estate market is a challenge for even the most experienced home buyer or seller. The rules change almost daily and if you are not in the know you might find yourself in trouble. A real estate transaction has so many sides and facets than unless you spend 24/7 keeping yourself updated on the nuances of a deal you will not get the best bang for your buck. That’s where the expertise and experience of that extra hand of a Realtor® can be invaluable.

For the home seller a Realtor® will…….

 

  • Help you establish a reasonable starting price to attract the most number of buyers. Overpricing only slows the process and it indicates to the savvy buyer that you are not realistic and will be difficult to deal with when the time comes.
  • Give you advice on how to best stage your home to keep the buyer interested. Remember you only have a few minutes to make that best first impression and it really does count.
  • Know how best to promote your home and where that promotion should be placed. For most homes that means getting your house placed on as many internet sites as possible. Just by virtue of having your home on the local Realtor® Multiple Listing Service sends it out to many other sites, but your Realtor® will do more than even that to get your information out.
  • Help you make informed decisions when you are negotiating an offer to purchase by providing you with accurate information on costs and offering advice on the give and take of an offer.
  • Navigate you through the process to the closing table by keeping an eye on the details including keeping in touch with the buyer’s lender, making sure the title work is reviewed, watching that all appropriate costs are on the closing statement and no additional charges are applied and most important keeping you informed.

 

For the home buyer a Realtor® will…….

 

  • Make sure you know your buying potential by assisting you in getting a pre-approval from a reputable lender who offers the best choice of options for your financial situation. Remember your Realtor® has established good working relationships with many lenders and he/she knows who might work best with you.
  • Provide you with information on all the properties that suit your criteria. With the advanced software your Realtor® uses to search for houses it is easy to locate suitable properties and those listings can be sent to you as soon as they hit the market.
  • Provide you with objective information about any properties you might have an interest. Having that extra information can help take some of the emotion out of the deal and prevent you from making a poor choice.
  • Help you present a reasonable offer that will result in the best terms for you. Your Realtor® will, along with your lender, make sure you understand the actual costs that you will incur so you are better prepared to make your choice.
  • Walk you through the inspection process assuring you know what the condition of the property is and what you might expect in future maintenance costs. Your Realtor® will guide you on how best to ask for repairs from the seller, helping you determine what is reasonable and what is not reasonable.
  • Keep track of your transaction, making sure all the necessary steps are followed to get you to the closing table successfully.

 

There is so much more that a Realtor® brings to the table. These are only a few examples, but I assure you that your buy or sell will go so much smoother if you use the services of an established agent. The best part is that you will have a friend for life! Have a fun transaction!

 

Mary Ann Coleman

Mary Ann Coleman, Manager Welles Bowen Oregon

Mary Ann Coleman, Realtor, Manager

Office: 419-698-5370
Cell: 419-343-5348
Fax: 419 754-1408
VM: 419-754-1405 ext. 100
maryanncoleman@wellesbowen.com

You can find Mary Ann’s website by clicking here.

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ABOUT WELLES BOWEN REALTORS For over 100 years, Welles Bowen Realtors has been consistent in its ability to recruit and retain many of Toledo and NW Ohio’s top agents. While much of our agents’ success can be attributed to individual initiative, an equally large measure is due to the strength and support Welles Bowen provides. From educational opportunities to the latest in marketing technology, ...
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The IDX Data on this site was last updated on Feb 22 2015 6:00AM Eastern Standard Time. All Information is deemed reliable but not guaranteed. The data is updated on a daily basis. Some properties which appear for sale on this website may subsequently have sold and may no longer be available. For the most current information, contact Welles Bowen Realtors at 1-800-533-7692 or email us at mail@wellesbowen.com. The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the NORIS MLS. Real estate listings held by brokerage firms other than Welles Bowen Realtors are marked with the Broker Reciprocity logo and detailed information about them includes the name of the listing brokers. © Copyright 2015 NORIS. All rights reserved. Broker Reciprocity information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

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