Randall & Ann Messick

CENTURY 21 Mortgage & Century 21 LeMac Realty East

2010-03-26T19:19:00Z

CENTURY 21 Mortgage and CENTURY 21 LeMac Realty East in Mountain Home, AR have a partnership that benefits the client - it's "one stop shopping"!

In our case, our CENTURY 21 Mortgage Advisor, Michele Linehan, is available to meet with our clients in our office... No having to go somewhere else for a pre-approval.

If it's more convenient for you, you can apply: over the phone, via email or on Michele's dedicated website: http://MicheleLinehan.c21mortgage.com You have access to your loan information 24/7 at www.MortgageLoanStatus.com Once your loan is in process you can view information about your mortgage application online, anytime.

CENTURY 21 Mortgage has a full array of loan programs including FHA, VA, USDA Rural Development and HomePath.

Customer Satisfaction is our top priority at CENTURY 21 LeMac Realty East and CENTURY 21 Mortgage... 92 percent of our customers said they would recommend us.

Michele has 12 years of experience in the mortgage business. As a licensed Loan Officer she is required to maintain certain standards and complete regular continuing education requirements. On top of that, CENTURY 21 Mortgage requires continuing education on a variety of topics that impact consumers and lending in general.

As a mortgage professional Michele is a member of AAMB/NAMB (Arkansas Association of Mortgage Brokers/National Association of Mortgage Brokers) and NARLO (National Association of Responsible Loan Officers). Both of these organizations advocate for consumer education and professional ethics in the mortgage business.

I hope you will find this helpful as many of our clients already have, and should you need further information we will be happy to help. I have listed Michele's information below and of course you can find our information here on our website: http://www.ozarkhometeam.com/

Your CENTURY 21 Mortgage Advisor: Michele Linehan, NMLS License #137866, 870/293-9515, 856/917-1355 fax michele.linehan@mortgagefamily.com

CENTURY 21 Home Protection Plan FAQ!

2010-03-02T21:56:00Z

As a real estate professional, I strive to deliver the highest service value possible! A CENTURY 21 Home Protection Plan administered by American Home Shield provides sensible, affordable protection against unexpected, covered repair costs for you.

What is a Home Protection Plan?

Why do You Need a Home Protection Plan?

Why American Home Shield?

How does a CENTURY 21 Home Protection Plan Work for you?

Remember, a CENTURY 21 Home Protection Plan covers the repair or replacement of many system and appliance breakdowns, but not necessarily the entire system or appliance. Please refer to the contract for details.

How do I know the Service Contractors Are Qualified?

What is a Trade Service Call Fee?

How do they Ensure My Clients Are Satisfied with the service?

Did you know? American Home Shield founded the home warranty industry in 1971.

A CENTURY 21 Home Protection Plan is a Win-Win Solution for Everyone involved in a real estate transaction.

How should I Position A CENTURY 21 Home Protection Plan?

How do I Place An Order?

Did you know? AHS currently provides more than 1.3 million home warranties nationwide, and the average customer makes more than 2 service requests a year.

What If I have Additional Questions?

If any of these questions have entered your mind and you would like to know the answer or if you would like additional information just let me know I will be happy to help!

Time To Buy... A Tycoon's Tips!

2010-02-21T06:07:00Z

BUY NOW! That's the hot advice of respected housing expert Barbara Corcoran, who says she's never seen a better time to purchase a home. "Typically when real-estate prices are low, interest rates are high. This is the first time I've seen cheap money and cheap prices simultaneously. This is the good old days we've dreamt about." Corcoran has a knack for timing. Having parlayed a $1,000 loan into the high-end New York City real estate firm she started, The Corcoran Group, she sold the company for $66 million in 2001, before the market cratered. Now, as an investor on ABC's Shark Tank, Corcoran encourages buyers to jump at the abundance of good deals. "It's a perfect time to snatch a bargain or to up-grade," she says. And when does she think the market will rebound? "Real estate is slow to unwind but fast to recover. I suspect we'll make up most of the loss of the last four years within the next 18 months." - Laurie Wiegler

NAR Frequently Asked Questions- Homebuyer Tax Credit Changes

2010-01-18T18:33:00Z

NAR Frequently Asked Questions

Homebuyer Tax Credit Changes

National Association of REALTORS® Goverernment Affairs Division

500 New Jersey Avenue, NW, Washington DC, 20001

Here are some of the most frequently asked questions on the changes to the Homebuyer Tax Credit.

Questioon: Existing homeowner credit: Must the new house cost more than the old house?
Answer: No. Thus, for example, individuals who move from a high cost area to a lower cost area who meet all eligibility requirements will qualify for the $6500 credit.
Question: I am an existing homeowner. On October 25, 2009, I signed a contract to purchase a new home. I have lived in my current home for more than 5 consecutive years and am within the new income limits. I will go to settlement on November 20. If President Obama has signed the bill by the time I go to settlement, will I qualify for the new $6500 tax credit?
Answer: Yes. The existing homeowner credit goes into effect for purchases after the date of enactment (when the bill is signed). There is no reference to the date of contract for the new credit. The provision looks solely to the date of purchase, which is generally the date of settlement.
Question: I am a firsttime homebuyer but was not within the prior income limits at the time I entered into my contract to purchase on October 30, 2009. I will be covered, however, by the new income limits. If the new rules have been signed into law by the time I go to settlement will I be eligible for a credit?
Answer: Yes. The new income limitations go into effect as soon as the President has signed the bill. The income limit and other eligibility rules will look to your status as of the date of purchase, which is the settlement date. So if the new rules have been signed when you go to settlement, you should be eligible for the credit (or a portion of the credit if you're within the phaseout range).
Question : I am an eligible existing homeowner. I have a fair amount of equity in my home. I have found a home with a nonnegotiable price of $825,000. Will I be able to use any of the $6500 tax credit?
Answer. No. the $800,000 cap on the cost of the purchased home is firm at $800,000. Any amount above $800,000 makes the home ineligible for any portion of the credit. The $800,000 is an absolute ceiling.
Question: I owned my home for 10 years, but sold it two years ago and have been renting since. If I purchase a home, will I be eligible for the $6500 Tax credit if I meet all the other eligiblity tests?
Answer: Yes. Because you lived in the home for more than 5 consecutive years of the previous 8, you will qualify for the $6500 credit. For example, Say John and his wife bought a home in 2000 and lived there until 2008 when he got a divorce. Whether John has been renting or bought in the interim, he WOULD INDEED be eligible for the credit because he owned a home and occupied it as his principal residence for 5 consecutive years out of the last 8 years. The keyword here is "consecutive." As long as he lived in that house for 5 years straight what he did since 3 years doesn't impact eligibility.
Question: I am an eligible first time homebuyer, I entered into a contract to purchse on November 1, 2009. Do I have to go to closing before December 1? How does the extension date affect me?
Answer: You do not have to close before December 1. Once the legislation has been signed , it will be as if the Nov 30 date had never existed. Therefore, so long as the contract settles before April 30 (or July 1, worst case), the purchaser will be eligible for the credit.

Extended & Expanded Home Buyers Tax Credit!

2009-11-17T21:29:00Z

Homes have to be purchased between November 6, 2009 and June 30, 2010 (ratified contract by April 30).

Existing home owners are now eligible if they have owned a principal residence for 5 consecutive years out of the 8 years preceding the purchase of a new home.

Ownership of vacation property or rental property does not disqualify home buyers from this program.

1.) The full $8,000 Tax Credit is for first-time-home buyers who have NOT owned a principle residence during the three-year period prior to the purchase.

2.) The maximum credit is $8,000 or 10% of the home purchase, whichever is less.

3.) The credit is available for homes purchased on or after November 6, 2009 and before June 30, 2010. However contracts must be fully ratified by April 30, 2010.

4.) Modified Adjusted Gross Income, to qualify for full tax credit please contact your tax advisor.

5.) There is no Recapture or Repayment Clause if the home is owned for at least 36 months.

6.) Current homeowners who have owned and used the same residence as a pricipal residence for any 5-consecutive year period may be eligible for a $6,500 tax credit.

7.) The full amount of the eligible tax credit is refunded to the buyer, even if it is more than what you have paid in, in taxes.

8.) Home purchase cap $800,000 (no cap in previous version)

9.) Special exemptions and extensions for military... please contact your Tax Advisor.

10.) Credit is only available to purchasers who are at least 18 years old.

11.) This version now requires that the home purchaser attach a properly executed copy of the settlement statement used to complete the purchase to the tax return.

NOTE: Please consult your tax advisor/accountant to determine whether you are eligible for this tax credit. This information should be verified by your tax professional.

Single Story For Sale in Meadowcrest

2009-11-11T23:08:00Z

Don't miss out on this one!

• 2,408 sq. ft., 2 bath, 3 bdrm single story - MLS® $169,900

Meadowcrest, Mountain Home - Don’t miss out on this one… all brick, in town, corner lot, 3 BR, 2 Bath, new paint inside, new fascia, soffit and guttering, great galley kitchen with large pantryand breakfast area, out building and more!

Property information

Fall Colors in the Ozarks!

2009-11-05T18:01:00Z

People who live and buy homes in Mountain Home, AR get to view these beautiful colors every fall! Even though the colors have peaked the weather is still beautiful for a fall drive. Typically the best time to view the fall colors is the last week in October and the first few days of November... but anytime really is a beautiful time to be out & about in the Ozarks viewing the sites!

Today, as I am inside working on paperwork I thought it would be a good time for me to post a photo or two of what's been going on outside around me!

I hope you enjoy the drive and remember if you or someone you know is looking to buy or sell real estate in Mountain Home, Arkansas or the surrounding areas we would love to help you with that!

NOTE: Some photos are courtesy of friend Libby McDonald owner of Copper John's Resort in Lakeview, AR http://www.copperjohnsresort.com/

Beautiful Buffalo River:

Bull Shoals Dam with it's fall colors!

Lake Norfork, full of fall colors!

Beautiful Fall Lake Shore

Fall foliage against a blue sky!

Still Hanging On!

A drive after the peak!

The White River at Cotter, AR

The White River at Buffalo City, on 126 South

All Hallows' Eve Spook-A-Rama!

2009-10-29T16:26:00Z

We will be graced with an "almost" full moon this Halloween!

The spooks are out, the Goblins are hiding and the team at CENTURY 21 LeMac Realty East Branch and Main Office are ready for them with decorations, tricks, treats and costumes! Please come by, bring your little goblins, transformers & alien's and have some fun with us! Saturday 5PM-7PM

FOR SALE! 100 Overhill Dr. Bull Shoals, AR

2009-10-22T21:43:00Z

Greetings from Mountain Home, Arkansas Real Estate!

Just listed a lovely all brick home on corner lot in very nice Woodstone Subdivision in Bull Shoals, AR! This home was built in 2004 and still "smells new!" Bright and airy open floor plan with views of wooded areas. All appliances convey with this home. The garage is equipped with a large work shop or it could be used for boat storage. Home is located just 1.25 miles from the boat launch at Browns Beach in Bull Shoals, Asking price $194,900.00

NOTE: To view full listing click: 3 BR 2.5 BA Home For Sale in Bull Shoals, Arkansas

priced to sell!

Things to Consider When Searching for a Home:

2009-10-15T19:48:00Z

Real Estate in Mountain Home, AR. Things to consider when searching for a home:

1.) Your lifestyle

2.) Your housing needs.

3.) Must haves and Nice-to-haves

4.) Distance to work

5.) Consider lifestyle... if you love to cook, you'll want a well-equipped kitchen.

6.) Consider what you might need in the future.

7.) How long you're planning to live in the home, and consider short term and long term needs.

8.) Decide on the type of home you want.

9.) Your Budget, Get pre-qualified with your bank if you are planning to finance.

10.) Talk with your Realtor

Before deciding which house to buy, think about your lifestyle, your current and anticipated housing needs, and your budget. It's a good idea to create a prioritized list of features you want in your next home - you'll soon discover finding the right house involves striking a balance between your "must-haves" and your "nice-to-haves."

To start, consider your lifestyle. If you love to cook, you'll want a well-equipped kitchen. If you're into gardening, you'll want a yard, If you're planning your office at home, you may want a room for a separate library or work space, If you have several cars, you may require a larger garage. Use this list as your search guide.

Next, think about what you might need in the future. As you consider your housing needs, it's important to consider how long you may live in your home. If you're newly married, you might no be concerned with a school district right now, but you could be in a few years. If you have aging parents, you may want to look at homes that offer living arrangements for them as well as you.

It's important to think about your new home's location just as carefully as you do about a house's features. Location is a huge art of any move. In addition to considering the distance to work, you need to evaluate the availability of shopping, police and fire protection, medical facilities, school and day-care, traffic and parking, trash and garbage collection, even recreational facilities.

Perhaps the most important decision is deciding on the type of home you want. Do you want a condominium or a co-op? A town house or a detached single-family home? Do you want brick, stone, stucco, wood, vinyl siding, or something else? Do you prefer a new home or an older one?

Through all this make sure to talk with your Realtor.

October Outings In and around Mountain Home Arkansas!

2009-10-07T18:35:00Z

Whether you're looking for real estate in Mountain Home Arkansas area or not there's always something fun to do during the month of October! Here's just a sampling:

Oct 7th: MHHS Homecoming Parade

Oct 8th: A Walk Through Time, Mountain Home 870-508-8349

Oct 9-10: Trail of Tears Tractor Tour, Pocahontas, 870-647-2169

Oct 10: Arkansas State Square Dance Federation Mountain Home 870-926-2442

Oct 10: October Car Fest, Classic Chevy Club & Ultimate Auto Group, Mountain Home, AR CENTURY 21 LeMac East Branch 870-492-7653

Oct 9-10: Turkey Trot, Yellville, 870-449-4676

Oct 10: Full of Bull Hot Dog Eating Contest, Booneville, 479-675-2683

Oct 15-18: Fall War Eagle Mill antique Craft Show, 479-789-5343

Oct 17: Hogs N Hot Rods Party on the Square, Mountain Home 425-5111

Oct 17-18: Fall Arts & Crafts Festival, Hardy, 870-856-3571

Oct 22-24: Autumn Antique & Crafts Festival, Batesville, 870-793-4632

Oct 23: Mad Hatter's Ball, Eureka Springs, 479-253-5384

Oct 24: Iron Mountain Festival/Duck Calling Contest, Walnut Ridge, 870-886-3232

Oct 24: Bluegrass Run, Horseshoes, & Guns, Berryville, 870-423-3704

Oct 24-25: Gun & Knife Show, Berryville, 870-423-2658

Oct 29-31: Silver Threads Quilt Show, Mtn. Home, 870-425-1105

Oct 29-31: Beanfest & Outhouse Races, Mtn. View 870-269-8068

Oct 31: Halloween Party CENTURY 21 LeMac Realty East Branch 5pm-7pm, 870-492-7653

It's County Fair Time in Mountain Home Arkansas!

2009-09-11T02:28:00Z

Since next week is the Baxter County Fair in Mountain Home, Arkansas I started thinking about what the County Fair means to me:

Blocking off main street to watch the Fair Parade.
Remembering as a child when mama and daddy would get us kids dressed up to go have a good time.
Remembering going to the fair with my teenage friends without mama and daddy.
Reminder that fair time is usually the first time, since last winter for a light jacket as temperatures are now cooling down.
Usually get to see a lot of people that I haven't seen in a long time.
Seeing all the just bathed animals, with their shiny, groomed coats of fur.
Enjoying all the proud little, round, rosy cheeked, country kids so proud of their pet cow, pig, goat etc. (My little brother used to be one of them).
Remembrance of my mother volunteering to cook hamburgers and hot dogs at the Buford 4-H food booth (those were the BEST hamburgers and hot dogs... I can still see her there when I close my eyes).
Seeing all the winning ribbons that some will prize for a lifetime.
The midway... filled with laughter, screams and smells of cotton candy and funnel cakes.
The mystique of the Carnies' & their Gypsy lifestyles.
A place to go where everyone is smiling.

By now I thought you might want some information. So, here is the link that will have all the information regarding the events and time schedule of the Baxter County Fair. http://www.baxtercofair.com/

Now, come and join us and add your own to the list!

See you at the Baxter County Fair in Mountain Home, Arkansas!

Top Ten Reasons People Retire to Mountain Home Arkansas!

2009-09-03T20:08:00Z

1. Low Taxes

2. Low Crime

3. Affordable Living

4. Three Rivers

5. Two Lakes

6. World Class Fishing/Hunting

7. Schools/ College/ Continuing Education

8. Beauty & Nature

9. Fresh Clean Air

10. Friendly People

NOTE: Also visit http://www.retiresouth.com/

SEPTEMBER SOCIALS!

2009-08-28T04:05:00Z

Whether you’re looking for real estate in Mountain Home Arkansas, sight seeing or just a social visit there are a lot of “goings on” in the Mountain Home area during September!

Labor Day weekend is always a good time with area attractions! Summer starts winding down here in the Ozarks as we start getting ready for fall! With all the rain we have had this year we should have a spectacular show but that will be a whole other story!

The Baxter County Fair will be a major attraction to the area during September 15^th thru 19^th

Gate Admission

Adults: $5.00
Students (grade 1st-12th): $2.00
Under 6: free

http://www.baxtercofair.com/

Mountain Home Bombers “kick off” a new season of football!

PLUS:

Sept 4-5: Banjo Rally International, Eureka Springs, 937-207-9062

Sept 4-7: White River Days, Bull Shoals, 870-445-3629

Sept 5: J Junk-n-Jam, Hardy, 870-856-3571

Sept 11-12: Diamond City Festival, 870-422-7144

Sept 11-13: Hot Air Balloon State Championship Race, Harrison, 870-741-2659

Sept 11-13: Wood Carvers Jamboree, Eureka Springs, 918-251-8734

Sept 11-13: Antique Automobile Festival, Eureka Springs, 800-638-7352

Sept 12: Arkansas, State Championship Hillbilly Chili Cook-off, Bull Shoals, 870-445-3629

Sept 12-13: Stamp & Picture Postcard Show & Sale, Mountain Home, 870-425-7799

Sept 18-20: Chuckwagon Cook-off, Mountain View, 870-269-8068

If you have any questions or need additional information please contact me at 870-405-8100 or 800-238-1341

$8,000 Tax Credit... Time is Runnin out!

2009-08-21T17:06:00Z

Thinking of Mountain Home Arkansas Real Estate? First time buying a home? OR haven’t purchased a home in the last three years? This tax credit may be just for you!

In 2008 Congress enacted a $7,500 tax credit

designed to be an incentive for first-time homebuyers

to purchase a home. The credit was designed

as a mechanism to decrease the over-supply of

homes for sale. For 2009, Congress has increased

the credit to $8,000 and made several additional improvements.

This revised $8,000 tax credit applies to purchases on or

after January 1, 2009 and before December 1, 2009.

The link below will take you to FAQ’s If you have additional questions… I’m here, just give me a call! 870-405-8100 Cell

800-238-1341 Toll Free

http://www.realtor.org/wps/wcm/connect/4dbca6804e41c6dcb604b7d4f1772a7a/government_affairs_tax_credit_brochure_052709.pdf?MOD=AJPERES&CACHEID=4dbca6804e41c6dcb604b7d4f1772a7a