THE FOLLOWING IS INCLUDED IN MY MONTHLY eNEWSLETTER.  IF YOU WANT TO RECEIVE THIS DIRECTLY, PLEASE SEND ME AN EMAIL.

Properties in Syracuse listed to-date without a contract pending - 12.  If you are thinking of listing, now is the time to give me a call!  People are looking!  If you aren't quite ready, keep January 15th in mind for a date to have it listed by to be ready for the spring rush!  Finish up your to-do list this winter!

On October 9, I was sworn in as the Nemaha Valley Board of Realtors President.   I look forward to a great year of networking with my peers!
2015-2016 NVBOR Officers
President Lynn Wilhelm
Vice President Tom Farrell
Treasurer Jeri Johns
Secretary Mark Easter

Real Estate Notes:
*I had my first all electronic real estate transaction from listing agreement to purchase agreement!!  No paper was used until closing.  Great saving time and trees!

*All purchase agreements signed October 3, 2015 and later now require a "3 Day Moratorium" between finalized closing statement and closing.  A last minute change will delay closing.  Make sure you are aware of this when reaching your closing date.  Read the article below for more information.

*$250 Home Buyers Assistance Foundation Grants are available to select first-time homebuyers.  Contact me for more information or CLICK HERE.

*The Nemaha Valley Board of Realtors will be participating in Realtor Ring Day on Friday, December 4, at Fareway in Nebraska City.

*LB34 Carbon Monoxide Safety Act passed in 2015 requires working carbon monoxide alarms in residential property "that has a fuel-fired heater or appliance, a fireplace, or an attached garage."

Personal note :-)
I've been seeing lots of snake pictures on Facebook this last month and have encountered some in my backyard.  I'm not always prepared to expect the unexpected .  The other day when I went to saddle up my horse I encountered this instead...
Yes, it's alive.  I would probably rather see a mouse than a snake any time!

Have a great November and thanks for reading!

NEIGHBORHOOD NEWS

Small town Syracuse finds~
*For those early bird shoppers (myself included!), consider buying locally.  Some fun local shops to hit are The Treasure Trove, Diamond Antiques, Staacks Fine Furniture, AJ's Coffee Shop, and Do It Best.  Don't know what to get for someone, try a gift certificate to any of the mentioned or Terry's Family Foods, B&J's Restaurant, and more!

To find out more about local events and news visit these websites:
www.gosyracusene.com
www,sdarockets.org
www,syracusene.com
www.kimmelorchard.org
www.nebraskacity.com
www.nebraskacityareaedc.com 
4 WAYS YOUR HOUSE PAYMENT COULD UNEXPECTEDLY GO UP

Part of the allure of buying a home is stability—the same neighborhood, the same schools, a predictable payment. Although the location of your home won’t change, the character of the neighborhood can, school districts can be redrawn, and your monthly mortgage payment can go up (or down, but up is more common). If you have a fixed-rate mortgage, it might seem like your payment would stay the same. A stable payment might even be one reason you decided to buy rather than rent. So, when you get a notice that your payment is going up, what could be the reason?
It’s likely to be one of these:

1. Your home’s value went up
 
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OUCH!  THREE TIMES YOU CAN KISS YOUR EARNEST MONEY GOODBYE

The earnest money deposit—the cash you offer to essentially call dibs on a house—is one of the most important and misunderstood parts of the home-buying process.

Depending on where you live, you can expect to put down anywhere from 1% to even 10% of the home’s purchase price as earnest money. (In some highly competitive markets, buyers are making even larger deposits in an effort to stand out.) An earnest money deposit tells a seller you are serious about closing. Without earnest money, you could theoretically make offers on multiple homes, essentially taking them off the market until you decide which one you like best.

Don’t worry—the seller isn’t going to run off to Aruba with your cash. It remains in an escrow account or with the title company until the sale closes. And, if everything goes off without a hitch, that earnest money is put toward your down payment and closing costs. So there’s nothing to lose, right?

Probably not, except these three scenarios where your earnest money could end up financing the seller’s trip to Aruba.

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NEW MORTGAGE RULES MAY SPARK DELAYS, FRUSTRATION
 
Effective Oct. 3, regulations aim to protect consumers, but they prompt concerns in industry
 
Mortgage lenders and real-estate agents are bracing for the Oct. 3 implementation of a five-year-old law that has forced them to overhaul the way they process sales.
 
The changes, prompted by the 2010 Dodd-Frank financial law, are meant to help consumers better understand the terms of their mortgages before they sign the dotted line.
 
But some in the real-estate industry worry that the rest of the year could be marked by delayed closings, frustrated borrowers and confused real-estate professionals as they adjust to the new rules.
 
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