$450,000 :: 1053 BLOOMVIEW CIR, Rochester MI, 48307

4 beds, 3 full, 1 part baths
Home size: 2,569 sq ft
Lot Size: 8,712 sq ft
Added: 05/31/17, Last Updated: 06/01/17
Property Type: 1 1/2 Story, Residential
MLS Number: 21302022
Community: Rochester (63152)
Tract: STONY CREEK RIDGE NO 1
Status: Active

*STATELY HOME with 1st FLOOR MASTER*GORGEOUS Stony Creek Ridge & SUPERB QUALITY!*Remarkable CUSTOM features: EXQUISITE leaded glass entry door, REFINISHED HARDWD in ?Expresso?, STUNNING lighting in FOYER, GR, and DR *Private LIBRARY*CROWN moldings EVERYWHERE*GORGEOUS open CURVED staircase highlights vaulted GR* EXPANSIVE wall of windows views private yd*CLASSIC FP is the focal point*OPENS to all living areas, plus the KITCHEN* BREAKFAST RM adjoins the yard*You?ll love the WHITE KITCHEN w/ its GRANITE & ISLAND, 42? tall cabinets, the VIKING stove/hood & the Butler?s PANTRY* The ?HARD TO FIND? 1st FLOOR MBR features a bay window, WALK-IN closet/linen, garden tub /sep. shower*UPSTAIRS: 3 BDRMS & FULL bath/2 SINKS* A FINISHED BASEMENT too! Incl. GAS FP, Kitchen, FULL 3rd Bath, Workshop & 5th BDRM*Added FEATURES: Insulation/SOUNDPROOF T/O, 4? LONGER garage, 8? TALL garage DR, 2ND WATER METER/irrigation, GARAGE/EPOXY* STONY CREEK POOL, CLUBHOUSE, TENNIS, SIDEWALKS.

Listed with Real Estate One-Rochester


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$450,000 :: 1053 BLOOMVIEW CIR, Rochester MI, 48307

4 beds, 3 full, 1 part baths
Home size: 2,569 sq ft
Lot Size: 8,712 sq ft
Added: 05/31/17, Last Updated: 06/01/17
Property Type: 1 1/2 Story, Residential
MLS Number: 21302022
Community: Rochester (63152)
Tract: STONY CREEK RIDGE NO 1
Status: Active

*STATELY HOME with 1st FLOOR MASTER*GORGEOUS Stony Creek Ridge & SUPERB QUALITY!*Remarkable CUSTOM features: EXQUISITE leaded glass entry door, REFINISHED HARDWD in ?Expresso?, STUNNING lighting in FOYER, GR, and DR *Private LIBRARY*CROWN moldings EVERYWHERE*GORGEOUS open CURVED staircase highlights vaulted GR* EXPANSIVE wall of windows views private yd*CLASSIC FP is the focal point*OPENS to all living areas, plus the KITCHEN* BREAKFAST RM adjoins the yard*You?ll love the WHITE KITCHEN w/ its GRANITE & ISLAND, 42? tall cabinets, the VIKING stove/hood & the Butler?s PANTRY* The ?HARD TO FIND? 1st FLOOR MBR features a bay window, WALK-IN closet/linen, garden tub /sep. shower*UPSTAIRS: 3 BDRMS & FULL bath/2 SINKS* A FINISHED BASEMENT too! Incl. GAS FP, Kitchen, FULL 3rd Bath, Workshop & 5th BDRM*Added FEATURES: Insulation/SOUNDPROOF T/O, 4? LONGER garage, 8? TALL garage DR, 2ND WATER METER/irrigation, GARAGE/EPOXY* STONY CREEK POOL, CLUBHOUSE, TENNIS, SIDEWALKS.

Listed with Real Estate One-Rochester


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$139,000 :: 635 OAKBROOK W, Rochester Hills MI, 48307

2 beds, 1 full, 1 part baths
Home size: 1,386 sq ft
Lot Size: 0 sq ft
Added: 05/31/17, Last Updated: 06/01/17
Property Type: 2 Story, Residential
MLS Number: 21302010
Community: Rochester Hills (63151)
Tract: OAKBROOK OCCPN 206
Status: Sold

L.S.S.D

Listed with Keller Williams Domain Birmingham


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$284,900 :: 1836 N ADAMS Road, Rochester Hills MI, 48306

Property Photo

4 beds, 2 full, 1 part baths
Home size: 2,872 sq ft
Lot Size: 21,780 sq ft
Added: 10/18/16, Last Updated: 05/31/17
Property Type: Residential
MLS Number: 216102371
Community: Rochester Hills
Tract: HAWTHORN SUB NO 2
The price of this listing was last reduced on 2/6/2017 by 5%
Status: Sold

LOCATION, LOCATION, LOCATION!! GORGEOUS LOT WITH VIEWS OF THE POND. TRANQUILITY AND SERENITY ABOUNDS. FOUR BEDROOMS, 2.1 BATH COLONIAL WITH A WALK-OUT BASEMENT. *** UPDATES ARE: WINDOWS 2012 ON 2ND FLOOR; BASEMENT WATERPROOFING 2010; NEWER ENTRY DOOR 2016; GARAGE DOOR 2015; *** CIRCULAR DRIVEWAY, LARGE LOT, LIBRARY & AWESOME VIEWS!

Listed with Real Estate One-Troy


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$185,000 :: 1301 JOHN R RD, Rochester Hills MI, 48307

Property Photo

3 beds, 2 full baths
Home size: 1,632 sq ft
Lot Size: 130,680 sq ft
Added: 02/16/17, Last Updated: 05/31/17
Property Type: 1 Story, Residential
MLS Number: 21262163
Community: Rochester Hills (63151)
The price of this listing was last reduced on 3/13/2017 by 7%
Status: Sold

Two parcels totaling approximately 3 acres in desirable Rochester Hills. Home is in need of work. Furnace and A/C 5 years old. Country feeling with the luxury of the city close by! Rochester Schools. Parcels can be sold separate or together this listing price reflects both parcels. Vacant land approximately 2 acres and land with house 1 acre. BATVAI

Listed with Real Living Kee Realty


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$1,700 :: 678 HIGHGATE, Unit 144, Rochester Hills MI, 48307

Property Photo

2 beds, 2 full, 1 part baths
Home size: 1,416 sq ft
Lot Size: 0 sq ft
Added: 05/23/17, Last Updated: 05/29/17
Property Type: Condo, Residential Rental
MLS Number: 217042428
Community: Rochester Hills
Tract: BARCLAY OCCPN 461
Status: Active

**PREMIUM** Court Setting! **TWO STORY** great room with fireplace, **MASTER SUITE** with **WALK-IN** closet & private bath. Second bedroom has **PRIVATE** bath, too. Den-sized loft. Kitchen with appliances, washer & dryer included. Upper & lower **DECKS**, large basement. **TWO CAR** GARAGE. Rochester schools. Pool, tennis court & public **GOLF COURSE** within complex! **NO** pets & **NO** smoking in or on condo premises. **TWO YEAR** lease. 1-1/2 month’s rent as security plus first month’s rent & $300 non-refundable administrative fee. Satisfactory **CURRENT** credit report(s), employment letter & references required. Dim. Appox. Buyer/Agent for Tenant to verify info.

Listed with Real Estate One-Rochester


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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Make That Home Greener: Energy-Efficient Mortgages

Shutterstock_MoneyGeek

By Michele DiGirolamo, Guest Contributor from MoneyGeek.com

If you’re in the market for a new home, there’s a way to save the environment and some cash at the same time: Consider a “green” mortgage.

An energy-efficient mortgage (EEM), the umbrella term for these types of loans, allows buyers to fold expenses for energy-saving home improvements into their mortgage.

Photo credit: Shutterstock

EEMs are an option if you’re buying or building a home and you want to add energy-efficient features, if you’re refinancing a mortgage for a home you already own and want to add energy-efficient renovations, or if you’re buying a new home that is already energy-efficient.

The idea is that, in the long run, the money saved on monthly utility bills will offset the higher mortgage payment. The projected energy savings from the lower bills could also qualify buyers for a larger loan amount and a better, more energy-efficient home.

And at the point of resale, homeowners will likely benefit again, as the energy upgrades can boost the home’s value and attract buyers in a competitive market.

Improving Your Home’s Energy Efficiency

Green mortgages can be used to finance a range of energy-efficient upgrades, from weather stripping to new heating and cooling systems to double-pane windows and solar panels.

A required home energy audit provides recommendations for energy-saving improvements and estimates of the costs and savings of those improvements. Lenders use this information to determine how much you’ll save in energy costs with each improvement.

Fannie Mae, the Federal Housing Administration, and the Department of Veterans Affairs all offer a version of EEMs. The amount of energy improvements a borrower can finance varies by program, ranging from about 5 percent of the value of the property through an FHA loan to around 15 percent with a conventional mortgage. A VA EEM, available to military personnel, caps energy improvements at $3,000 to $6,000.

Understanding the Green Mortgage Lending Process

While securing an EEM can be fairly simple for the borrower, it can be cumbersome for lenders unaccustomed to the process of managing the “work flow” of the energy improvements, says Tonya Todd, senior vice president of strategic products at Mountain West Financial in Redlands, California. This may be why they aren’t more common.

“The loan itself is easy; it’s the facilitation that takes some work,” Todd says. “Lenders that are successful at this will find a local energy-efficient mortgage facilitator. The facilitator handles everything from A to Z to ensure a smooth and timely process for all parties.”

The facilitator works with the buyer, the energy rater, the contractor, the realtor and the lender to keep everything moving to avoid delays.

“After closing, the facilitator will ensure the installation of the energy improvements are completed,” she adds. “It just makes everything much smoother.”

So, if you’re interested in pursuing an EEM, go for it — just be aware you may have to put some effort into finding a lender.

“Niche lenders do offer these programs and do them well,” Todd says. “However, a lot of lenders do not offer them because they do not understand the operational component, or they don’t have the support system internally.”

More Homeowners Are Going Green

While they’ve been around in some form since the 1990s, eco-friendly mortgages even today are not particularly well-known. But that could be changing, Todd says.

“Energy-efficient measures are becoming more popular especially as homeowners are purchasing older homes that may not be so environmentally friendly,” Todd adds. “People are more aware of being green. That’s why homeowners are looking for features that will help them save energy.”

The average household spends more than $2,200 a year on energy bills, with nearly half of that going to heating and cooling costs, according to the U.S. Department of Environmental Protection’s Energy Star program. There are significant savings to be had by improving a home’s energy efficiency.

Other Ways to ‘Green’ Your Home

Even if you’re not in the market for a green mortgage, there are measures you can take around your house to save energy and reduce your utility bills. The following are some tips — some simple, some more involved — from the Energy Star program and other experts:

  • Turn your hot water heater’s thermostat to 120 degrees Fahrenheit.
  • Keep your refrigerator at 37-40 degrees and freezer at 5 degrees.
  • Install and properly use a programmable thermostat (this can save about $180 annually).
  • Install low-flow fixtures.
  • Do only full loads in the washer and dishwasher.
  • Fix any leaky faucets, toilets, pipes, and your roof.
  • Seal heating and cooling ducts (in the typical house, about 20 percent of the air in a duct system is lost due to leaks, holes, and poorly connected ducts).
  • Seal the “envelope” of your home – the outer walls, ceiling, windows, and floor (this can save 20 percent on heating and cooling costs).
  • Replace the filters on your air conditioning unit, dryer, and furnace.
  • Turn off ceiling fans when you’re not home.
  • Set ceiling fans counter-clockwise in the summer to draw cooler air upward.
  • Dust your refrigerator coils.
  • Plant shade trees to cool your home.
  • Request a home energy audit for more tips and advice.

ABOUT THE AUTHOR: Michele DiGirolamo is a former longtime reporter for United Press International and a freelance writer for MoneyGeek.com.

Continue Reading →

Make That Home Greener: Energy-Efficient Mortgages

Shutterstock_MoneyGeek

By Michele DiGirolamo, Guest Contributor from MoneyGeek.com

If you’re in the market for a new home, there’s a way to save the environment and some cash at the same time: Consider a “green” mortgage.

An energy-efficient mortgage (EEM), the umbrella term for these types of loans, allows buyers to fold expenses for energy-saving home improvements into their mortgage.

Photo credit: Shutterstock

EEMs are an option if you’re buying or building a home and you want to add energy-efficient features, if you’re refinancing a mortgage for a home you already own and want to add energy-efficient renovations, or if you’re buying a new home that is already energy-efficient.

The idea is that, in the long run, the money saved on monthly utility bills will offset the higher mortgage payment. The projected energy savings from the lower bills could also qualify buyers for a larger loan amount and a better, more energy-efficient home.

And at the point of resale, homeowners will likely benefit again, as the energy upgrades can boost the home’s value and attract buyers in a competitive market.

Improving Your Home’s Energy Efficiency

Green mortgages can be used to finance a range of energy-efficient upgrades, from weather stripping to new heating and cooling systems to double-pane windows and solar panels.

A required home energy audit provides recommendations for energy-saving improvements and estimates of the costs and savings of those improvements. Lenders use this information to determine how much you’ll save in energy costs with each improvement.

Fannie Mae, the Federal Housing Administration, and the Department of Veterans Affairs all offer a version of EEMs. The amount of energy improvements a borrower can finance varies by program, ranging from about 5 percent of the value of the property through an FHA loan to around 15 percent with a conventional mortgage. A VA EEM, available to military personnel, caps energy improvements at $3,000 to $6,000.

Understanding the Green Mortgage Lending Process

While securing an EEM can be fairly simple for the borrower, it can be cumbersome for lenders unaccustomed to the process of managing the “work flow” of the energy improvements, says Tonya Todd, senior vice president of strategic products at Mountain West Financial in Redlands, California. This may be why they aren’t more common.

“The loan itself is easy; it’s the facilitation that takes some work,” Todd says. “Lenders that are successful at this will find a local energy-efficient mortgage facilitator. The facilitator handles everything from A to Z to ensure a smooth and timely process for all parties.”

The facilitator works with the buyer, the energy rater, the contractor, the realtor and the lender to keep everything moving to avoid delays.

“After closing, the facilitator will ensure the installation of the energy improvements are completed,” she adds. “It just makes everything much smoother.”

So, if you’re interested in pursuing an EEM, go for it — just be aware you may have to put some effort into finding a lender.

“Niche lenders do offer these programs and do them well,” Todd says. “However, a lot of lenders do not offer them because they do not understand the operational component, or they don’t have the support system internally.”

More Homeowners Are Going Green

While they’ve been around in some form since the 1990s, eco-friendly mortgages even today are not particularly well-known. But that could be changing, Todd says.

“Energy-efficient measures are becoming more popular especially as homeowners are purchasing older homes that may not be so environmentally friendly,” Todd adds. “People are more aware of being green. That’s why homeowners are looking for features that will help them save energy.”

The average household spends more than $2,200 a year on energy bills, with nearly half of that going to heating and cooling costs, according to the U.S. Department of Environmental Protection’s Energy Star program. There are significant savings to be had by improving a home’s energy efficiency.

Other Ways to ‘Green’ Your Home

Even if you’re not in the market for a green mortgage, there are measures you can take around your house to save energy and reduce your utility bills. The following are some tips — some simple, some more involved — from the Energy Star program and other experts:

  • Turn your hot water heater’s thermostat to 120 degrees Fahrenheit.
  • Keep your refrigerator at 37-40 degrees and freezer at 5 degrees.
  • Install and properly use a programmable thermostat (this can save about $180 annually).
  • Install low-flow fixtures.
  • Do only full loads in the washer and dishwasher.
  • Fix any leaky faucets, toilets, pipes, and your roof.
  • Seal heating and cooling ducts (in the typical house, about 20 percent of the air in a duct system is lost due to leaks, holes, and poorly connected ducts).
  • Seal the “envelope” of your home – the outer walls, ceiling, windows, and floor (this can save 20 percent on heating and cooling costs).
  • Replace the filters on your air conditioning unit, dryer, and furnace.
  • Turn off ceiling fans when you’re not home.
  • Set ceiling fans counter-clockwise in the summer to draw cooler air upward.
  • Dust your refrigerator coils.
  • Plant shade trees to cool your home.
  • Request a home energy audit for more tips and advice.

ABOUT THE AUTHOR: Michele DiGirolamo is a former longtime reporter for United Press International and a freelance writer for MoneyGeek.com.

Continue Reading →

$145,999 :: 2755 EMMONS AVE, Rochester Hills MI, 48307

Property Photo

3 beds, 2 full baths
Home size: 1,462 sq ft
Lot Size: 8,276 sq ft
Added: 05/28/17, Last Updated: 05/29/17
Property Type: 1 Story, Residential
MLS Number: 21301034
Community: Rochester Hills (63151)
Tract: SPRVSR’S PLAT OF BROOKLANDS PARK
Status: Active

Cute three bed / two bath ranch offering almost 1,500 sq. ft. with new roof on home & garage (2017). Bright kitchen with an abundance of storage / sliding door leading out to a huge fenced yard perfect for entertaining. Hardwood floor in master bedroom, family room features 2nd sliding door to back yard as well as a natural fireplace. Neutral d~cor throughout. Hurry, you don’t want to miss this great home offering lots of potential. Close to shopping, highways and parks.

Listed with RE/MAX Defined


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$339,000 :: 890 TIMBERLINE DR, Rochester Hills MI, 48309

Property Photo

4 beds, 2 full, 2 part baths
Home size: 2,734 sq ft
Lot Size: 16,117 sq ft
Added: 05/28/17, Last Updated: 05/29/17
Property Type: Quad-Level, Residential
MLS Number: 21301000
Community: Rochester Hills (63151)
Tract: SHADOW WOODS SUB NO 2
Status: Active

Move in ready and updated 4 bedroom 2.2 bath quad-level located on large private lot backing up to the association common grounds. Lot has been recently landscaped. Spacious open living room with vaulted ceilings and plenty of natural light. Formal dining area. Large eat in kitchen with island. Family room with fireplace, wet bar and door-wall leading to deck and back yard. Recently painted interior. New carpet in family room and finished basement. New vinyl siding on entire house. Huge walk out deck and new sod in back yard. 3 car attached garage. All appliances and 1 year home warranty included. Adams High School! Hurry this house won’t last long! BABATVAI

Listed with Berkshire Hathaway HomeServices HWWB


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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