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Cathy Smith







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(419) 280-3942

 

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KEY REALTY


6655 Embassy Court

Maumee, OH 43537

 


 
 

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IdealProperties.net is a Home Buyer Portal. Find Your Ideal Property at IdealProperties.net!




Find Thousands of Property Listings for Sale or Lease; Homes for Sale, Foreclosures, Bank Owned homes and Government Owned Properties for sale, For Sale By Owner Homes (FSBO Homes) and other real estate Information and resources in your Community and Nationwide! IdealProperties.net is set up as a free site for buyers to view listings, run searches, get instant home values, maps, area and school information, and numerous other resources, tools, tips, technology and services that will aid in making an educated purchase decision. Buyers can set up their own personal automated search for properties for sale, for lease or land contract, review Market Conditions, Area Demographics, Recent Sales as well as having detailed reports and links to information that will help in the purchase process. Check out our
Buyers Guide to learn more about the purchase process and to find the tools and information that will help you every step of the way.

 










Get Your Home SOLD not just listed!




List with US!





 

As a Seller you want the best price for your home in the shortest amount of time. We are uniquely prepared to work with you towards these ends, to a satisfying and profitable closing on your home. We have what it takes to get your home sold because we have tools, techniques and technology that is put in place to Market and to Move Your Home Listing.
We have training, experience and technology in every aspect of Real Estate that helps us Market Your Property in a way that it will reach and appeal to the Buyers most likely to purchase your home.
Listwith Us!



  • We cross market your property to area Brokers and hundreds of professional real estate agents and their Buyers.



  • Exclusive marketing partnerships exposing your property to hundreds of real estate web sites and over 185,000 real estate professionals and buyers around the world.


  • Your listing is featured on Realtor.com, IdealProperties.net and dozens of other top Real Estate Portals that ensure that the right Buyer for your home will find your home listing information.


  • We link buyers back to your listing, where we are able to capture their contact information and Sell them your Home.



  • We utilize software that will send drip emails to the Buyers that have searches on the Internet seeking a property with attributes that match your home.

 






Free Mortgage Calculators and Real Estate Tools





The first step in the purchase process is to determine what you want your monthly payment to be, finding out how much you can afford and what will a lender requires. The Mortgage Calculators will give you an idea of your monthly payments and the Credit link will give you tips on how to improve your credit in order to get the best financing.

Meeting with your lender at the onset will make sure that you are clear on what needs to be done to get you in the right loan product. Your lender will provide you with a Pre-approval letter that will strengthen our offer and in many cases it is required in order to present an offer.

This link provides information that will help you to get things in line with your Credit and financing. The
Mortgage Calculators will be a handy tool to determine the monthly payment on homes that you may want to buy.










Market Conditions and Real Estate News







Our real estate web site is designed to provide you with the latest real estate market information for properties in your city and across the Nation. You will find a wealth of useful real estate information for home buyers and home sellers on Idealproperties.net. Please feel free to contact me with any questions or suggestions for items you would like to have on this site.
When you are in the market either to buy a home or to sell a home your transaction will be greatly impacted by the market conditions and issues that are currently effecting the Real Estate industry.
This link will allow you to view community information as well as the latest news feeds on real estate matters locally, nationally and even globally. An educated buyer is a home buyer that is empowered to make a strong and decisive purchase decision on their Ideal Home. IdealProperties is rich with resources and tools to further enable you to be that educated buyer.





Ideal Services and Resources

 
Licensed as a Realtor in Ohio and Michigan and having been licensed as a Finacial Loan Officer I have a vast amount of experience and resources to ensure that your real estate transaction is pleasing and profitable. I have been certified as a Marketing Specialist and a Relocation Expert and have provided these services to firms in our community for over a dozen years. I utilize and keep up to date on current market conditions, new technology and issues that may affect your real estate needs. Real Estate and Home Building has been ingrained in me since my youth. I worked with my Father who was a Builder and Developer, I have provided Organizations, Builders and Developers with Multi-Media Marketing Materials, I managed a Building Industry News Paper and I own, renovate, manage and market my own personal investment properties. In my humble opinion, I have got what it takes to get the job done right for you.
Our real estate web site is designed to provide you with the latest real estate market information for properties in your city and across the Nation. You will find a wealth of useful real estate information for home buyers and home sellers on Idealproperties.net. Please feel free to contact me with any questions or suggestions for items you would like to have on this site.

IdealProperties.net is a free online real estate web site that provides information on every aspect of real estate, including home buying, home selling, homeownership, investments, foreclosures, mortgages, and rentals. IdealProperties.net has real estate listings for millions of homes for sale in most all areas across the United States. We offer Free access to home valuations for most Properties in the Toledo Ohio area, Northwest Ohio and South East Michigan and throughout the United States of America. We also have real estate market analysis and reports for most local markets in the United States including current market conditions, median property values, demographic information, as well as schools and area information. It is our Goal to arm consumers with information and tools to make smart decisions about homes, real estate properties and mortgages, to enable them to buy, sell or Find their Ideal Property at IdealProperties.net. As a free online real estate site, we have real estate, real estate articles, links and directories where you can read up on vital real estate facts and details that will aid you in every step of your real estate process. You will find virtually everything you need to find Your Ideal Property.    


SELLING A HOME?

If you’re thinking of selling your home, the first thing you should ask is “How much is my home worth?” Being educated on market trends in the propertys area gives you the best chances of selling your home quickly and for the best price possible. Click on “How Much is Your Home Worth” to request a free (C.M.A.) Comparative Market Analysis of your property. The correct selling price of a home is the highest price that the market will bear. To assist you in determining the correct asking price we provide you with a comprehensive market analysis of comparable properties sold and offered for sale in your neighborhood. Please call me for a more detailed Comparative Market Analysis and your personal consultation.

 

 

Remember, I also take advantage of the latest technologies to make sure your property has a strong presence on the Internet and appeals to its target market. I have software that actually seeks out and sends your listing and marketing directly to Buyers that have an internet search set up for a home like yours. This means I can help you to get your home details in front of the exact buyers that are looking to buy a home with attributes like yours. The content of IdealProperties.net will attract Buyers and the Free tolls and information provided will keep them coming back. If someone is looking for real estate in Toledo, Ohio, or a Realtor in the Toledo Ohio and the surrounding area, they have a much higher chance of finding this site, and YOUR listing. Contact me today and I will be happy to give you more information about my services to sellers.

Thank you for visiting! I strive to provide the highest quality of service to all of my clients while I put our expertise to work to make each transaction profitable. Call or e-mail me today for information on your next real estate transaction!


BUYING A HOME?

IdealProperties.net is set up as a free site for buyers to view listings, run searches, get instant home values, maps, area and school information, and numerous other tools, tips and services that will aid a Buyer in making a purchase decision. Buyers can set up their own personal automated search, find foreclosure homes and information, find For Sale By Owner Listings, Corporate housing, Vacation Properties, Bank and Government Listings, review Market Conditions, Area Demographics, Recent Sales as well as having detailed reports and links to information that will help in the purchase process.     

 

 



 

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Buyers Home Buying Guide







IdealProperties.net is set up as a free site for buyers to view listings, run searches, get instant home values, maps, area and school information, and numerous other tools, tips and services that will aid a Buyer in making a purchase decision. Buyers can set up their own personal automated search, find foreclosure homes and information, find For Sale By Owner Listings, Corporate housing, Vacation Properties, Bank and Government Listings, review Market Conditions, Area Demographics, Recent Sales as well as having detailed reports and links to information that will help in the purchase process.






Congratulations on your decision to purchase a home! When you buy your home you will be joining the ranks of thousands of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating a setting that best suites your family and your lifestyle. When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours. Over time, your home will increase in value. On IdealProperties.net you’ll find the information you need to make a wise buying decision. We’ll take you through the planning process step-by-step, to help you determine which home is your Ideal Property. You’ll find a host of informative articles on mortgages, on touring homes, the offer, closing details and moving. Finding a home for sale may be a challenge in this market, especially when the property you find turns out to be sold. Make your home search easier and become a


VIP Buyer

receive immediate information of ALL new listings that match your criteria emailed directly to you. As always, if you have any questions about the real estate market, or about finding that Ideal Property or home for sale in this area, please let me know!






Our Quick Search allows you to search by an MLS Number, a specific street address or enter a city and state in our search bar to gain access to our vast database of real estate listings, houses for sale, homes for rent, and other Ideal Properties currently on the market.

Each listing will offer you listing details, photos and maps of the property for sale and links to Area Schools and Market Information, Maps, Mortgage Information andwill help you to contact me to set up a showing, to get free reports or more information.






IdealProperties.net offers buyers numerous tips and tools that will help you to know what to expect in the Buying Process and will allow you as a Buyer to make an informed purchase decision. As your Realtor, I will help you through this process in order to assure a smooth and hassle free purchase. Idealproperties.net offers numerous reports, links and directories that will aid you in this process if you are the type of hands on buyer that likes to do research and dig into the details on your own. If indeed this becomes overwhelming to you never fear you can contact me directly and I can do all of the leg work for you as I work to get you to a pleasing and hassle free closing on your Ideal Property.







Use our Nationwide Property Search and Home Value tool where you can input the address of a home that you would like to buy or ofa home that you want to list to find the Estimated HomeValue.








You can also create your own customized “Home Auto Search”that gives youthe Property Listings that match your criteria e-mailed directly to you daily. This will allow you to see the home listing before most realtors do. If you would like to get a more detailed search for properties for sale in this area then please contact me directly and I will set this up for you on your own personal web site that allows you to view your listing searches, to manage your listings.










Each listing will offer you listing details, photos and maps of the property for sale and links to Area Schools and Market Information, Maps, Mortgage Information andwill help you to contact me to set up a showing, to get free reports or more information.







The “Market Analysis” button will allow you to send me a form requesting for me to send you Comparable Properties that have recently soldand give you a Market Value Analysison your property.







“Mortgage Center” links you to mortgage calculators and financing information or you can email me and I will set you up to get an on-line Pre-Approval.







Click “Home Services” to find a contractor or a Home Service Professional that you may need in the process of buying, selling or fixing up your property.






I dont just help you buy a house and I help to negotiate the best deal on your dream home. When we find the property that is just right for you I will walk you through The Purchase Agreement, The Purchase Negotiations, the Home Inspection, The Financing, The Closing Process and make sure that you get More Money For Your Home and More Home For Your Money.















Feel free to contact me at any time in the process. As Your Real Estate Agent, with over two decades of experience in marketing, home buying and selling, owning, managing and renovating investment properties as well as serving as a loan officer in financing homes, I have numerous tips, technology and resources that I will gladly share with you and will walk you through every step of the process.













The Home Buying Process may be daunting and is likely one of the largest purchase decisions that you will ever make. So IdealProperties.net offers a full explanation of what you can expect in the process and tools and tips that will help you to make an educated purchase decision. You may be thrilled to have found this resource that lets you be a hands-on buyer digging up your own home buying information. However if this thought is overwhelming to you then please feel free to contact me and I will gladly take care of all of these details for you in order to make this a smooth and enjoyable home buying experience for you. I have a reciprocity set up with other area real estate brokers that allows me to show and sell any real estate listed by other agents in South East Michigan and North West Ohio and even can get you in FSBOs. I want to assure you that when you hire me as your Buyers Agent that my services are FREE to you as the Seller will cover my fee. I make it my business to stay abreast of the real estate market conditions and area real estate listings and will be forth coming with my knowledge and research that will help you to find Your Ideal Property and to purchase it for the best price possible.








Home Search

– On the Home Page you will be able to do Property Searches for Properties anywhere in the United States. The listings that come up in the search on my site will have details on the property and the area for you to review; photos, maps, room sizes, description, school information and local demographics.














Tax Records

– You may want to look up the Property Tax Records that can usually be found on the County Web Site, to see when it was last sold and for how much. You can see what the taxes are and if they are paid up to date. You will find many helpful details about the property: flood zones, foreclosures, Sheriff Sales, zoning and regulations and much more.















Transfers and Legal Notices

– You can do a search for any legal notices that will note any transfers or foreclosures. This may be public record with the courts, city or county or you may find it posted on other sites, like legalnews.com. You can also search for Government owned properties that are up for sell. Check out this link


http://www.treasury.gov/auctions/


. You can also search for Bank Owned Properties to get a good deal on. Feel free to call me and I will walk you through the process.















Home Value

– You can input the addresses of your favorite listings into the Home Value Tool to get a very general idea of what it may be worth.














Auto E-mail Search

– click on this button to create a saved search with specific parameters for Your Ideal Property. This will send you daily e-mails with the latest properties that meet your search criteria. And this will give you a Personal Web Page where you can store and manage the home listings. This web page allows you as a home buyer to save properties for us to tour and make notes about each property and ear mark properties that you may purchase in your favorites folder. This tool allows buyers to see listings even before the Realtors do.













Ideal Property Search – You also can have me set up a more detailed search for you with special software that seeks out any property in the Multiple Listing Service (MLS) where local Realtors have their listings. I would be happy to set up a detailed property search for you with my special software. I will set up the search based on the information that you share with me in my buyers survey that we will go overwhen we get together.Your specific search parameters will be input into my software so that you will be sent an e-mail each time a property comes on the market that matches your specific criteria. You will view these listings before most agents do. The e-mail will have a link to a web page personally designed for you to manage the Your Home Listings. Be sure to click on the searches tab to view all of your search options. When you see a home that you may be interested in click the radio button to save it into your Possibilities Folder and then e-mail me to let me know when you will be available to tour the properties. I will contact you when Ifindproperties that I think will be good homes for you and you can view these on your home search web site under the Recommendations tab.We will reserve the Favorites folder for you to save the home listings that you have toured and that you may want to purchase.

















Pre-Approval –

I will help you obtain a
Pre-Approval that will help us determine your buying power and will give you an edge in negotiating the purchase of your home.















FREE Comparable Market Analysis –

I will prepare a
FREE Comparable Market Analysis on the final home or in some cases homes that you choose so that our offer is on target.













Home Buying Purchase Process





FINANCE AND CREDIT INFORMATION The first step in the purchase process is to determine what you want your monthly payment to be, finding out how much you can afford and what will a lender require. The Mortgage Calculators will give you an idea of your monthly payments and the Credit link will give you tips on how to improve your credit in order to get the best financing.






NEIGHBORHOOD INFORMATION Investigate specific communities and neighborhoods to determine what will be the best fit for you and your desired lifestyle. Check out Area Demographics, Crime Rate, School Quality, and More






PROPERTY INFORMATION Once you know how much you want to spend and what areas you would prefer to be in, then you can begin to search for listings based on specific criteria that you wish to have in your Ideal Property. You can follow the basic guidelines that I have outlined here for you to search on your own. Please contact me if you would like me to create a web page that will highlight searches made just for you that match your listing criteria and will help you manage them in your purchase process. More . . .






PROPERTY SEARCH & MAPS Do your due diligence on each desired property. Look up information regarding the: PROPERTY VALUATION, COUNTY FLOOD MAPS, PROPERTY TAX INFO, PROPERTY HISTORY, LIENS, or Contact me to provide these service for you on the Ideal Properties that peak your interest.






TITLE INSURANCE The seller will usually order the title. Be sure to check with your lender to see what you are required to have and possible ways for you to cut down on some of these costs. More . . .






HOME INSPECTION Well write into your contract to have a Home Inspection within 10 days after acceptance. This allows us to ask for the seller to repair any major or life thretening damages that are found, to reduce the purchase price or to cancel the contract. More . . .






HOME WARRANTY This one year Home Warranty will cover repairs on many mechanicals and items. More . . .






FLOOD INSURANCE You may want to check the County Flood Maps to see if you will need Flood Insurance. More






PROPERTY SURVEY Your lender will require property survey coverage yet for a bit more you can get a full survey.






RELOCATION INFORMATION – MOVING COMPANIES I am pleased to help you get settled into your new home.






REAL ESTATE LAWYERS Having a lawyer is not required but it may be added insurance that your deal goes well.


















Purchase Process Progress Report – Check list







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Get a copy of your credit report and correct any errors. Do not Make Any Major Purchases or take out New Loans.








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Reduce your consumer debt No late pays on loans or collections. credit card balances to <50% of the credit limit








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Assemble cash down payment. If your Income or debt changes your whole loan will change and need to be redone.








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Get a gift letter and Bank Account Statement from donor if you are using gift funds








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Work with your Loan Officer (LO) to determine how much you can afford to pay for a home. Housing Payment < 36% of income








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Decide the monthly housing payment you will be most comfortable with that will allow you to maintain your desired lifestyle.








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Get familiar with basic mortgage terms and programs. Find out the best terms for your situation.








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Shop for a mortgage loan with your mortgage lender. Dont shop rate, shop service, knowledge and costs.








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Get your pre-approval Letter (keep it equal to the amount of your offer or the sale amount).








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Investigate neighborhoods where you want to look for a house.







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Do your own due diligence your Realtor is not legally allowed to discuss anything relating to any protected classes.








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Consider neighborhood school quality and crime rates.








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Select two or three neighborhoods that meet your requirements.








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Visit homes for sale with your Realtor® and make notes. Outline Major Dislikes and Major Needs.








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When researching the homes you are interested in go to Idealproperties.net to do a search to get listing & area info








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You can find out home values and area information at Zillow.com or on Trulia.com








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You also may find what the seller originally paid for the home and property tax information at the local Countys web site








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The Seller will order title work on the property. Review this for any current leans or encumbrances against it.








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Decide how much to offer for the home you want. Your Agent will provide you with research documentation, Recent Comparable Sales, Tax records . . . and other data that will help you to nail down a reasonable purchase price.








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With the help of your real estate agent, write an Offer to Purchase.








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Negotiating the purchase terms Clearly voice your ideas – rely on your Real Estate Agents experience








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Hire an inspector to examine your prospective home (Usually within 10 days after the purchase acceptance).








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Accompany your inspector during the inspection.








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Get agreement on repairs to be made by the Seller. Inspect repairs and handle other details prior to closing day.








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For some loans you will need to get bids on the repairs from licensed and insured contractors








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Youre ready to get your loan in order. Meet with your lender, Loan Officer (LO) and provide all needed Documents (listed below)








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Your lender will take care of most of the process for you. Ask them to search for programs that will best help your needs.







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Complete all mortgage loan application requirements. Find out what they will need to get a clear to close.








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Be sure to ask to your lender to provide you with all title search information and the final HUD Doc before closing.








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You may ask the lender not to charge an origination fee or points (this is a part of your pay to the LO). This makes rate higher.








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Your lender can add your fees into the closing costs if they are being paid by the seller (Insurance, Home Inspection).








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Flood Zone Insurance your lender pulls a Flood Certification or you can go to FIMA Maps to see if it is in a Flood Zone








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Property Survey your lender orders survey insurance or you can order a full survey on the property for not much more.








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You may want to hire a lawyer to review your closing documents at the closing. It may be less than $300 and gives you assurance.








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Have your Home Owners Insurance Binder for the closing day (you may pay for 1 year or have it paid for at close).








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Get the Keys and GO HOME! Congratulations on your New Home!






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Contact the Moving Company, Change Postal addresses, set up the garbage collection and transfer the utilities into your name. HOME FREE!!!


 





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IdealProperties.net serves as one of the largest Internet real estate sites an on-line market place with hundreds of thousands of homes for sale and property rentals with photos, descriptions, real estate market data, and community information and resources of real estate professionals and relocation services. The advertisers and publishers are not responsible or liable for misinformation, misprints, or other errors. All information provided is deemed reliable but is not guaranteed and should be independently verified. Properties may be subject to prior sale or rental.








Search all Sylvania OH Homes!

If you know what area you are interested in, my real estate web site is designed to provide you with the latest real estate market information for Sylvania homes for sale. I feature a free Sylvania Ohio

real estate search

that will allow you to search area residential, single family, bank owned property, resale, new homes, home construction, golf course communities, foreclosures, retirement community, vacation property, condos, relocations, building, vacation property and more!

Sylvania is a wonderful community in the state of Ohio with beautiful parks, homes, schools, sports leagues, country clubs, retirement communities, and more! One of the top reasons to move to Sylvania is the focus on family and a public school system that focuses on the value of education and lifelong learning. Commuting to Toledo is easily done by driving down I-475. Make your move with your family to Sylvania today!



This website has more to offer than just Sylvania Real Estate listings

Find

information on buying or selling your next home

here on our Sylvania Ohio real estate website. Let an expert Realtor® help you through out the real estate buying or selling process, including help for first time home buyers and for sale by owners (FSBO’s). Whether you already know which area you are interested in, or are looking for some suggestions,

contact me

today and we can discuss any question you might have about

Sylvania



OH

or any of the surrounding cities!




BUYING A Sylvania OH HOME?




Finding a home for sale in Sylvania OH is sometimes a challenge, especially when you find the property you want and then find out the property was just sold. Make your home search easier and become a

VIP Buyer

receive immediate information of ALL new listings that match your criteria emailed to you. As always, if you have any questions about the Sylvania Ohio real estate market, or finding that perfect home for sale here, please let me know!



SELLING A Sylvania OH HOME?



If you’re thinking of selling your home in Sylvania OH, the first thing you should ask is “How much is my home worth?” Being educated on market trends in Sylvania OH gives you the best chances of selling your home quickly and for the best price possible. Click on


“Free Market Analysis”


to request a free (C.M.A.) comOHrative Market Analysis of your Sylvania home. Remember, I also take advantage of the latest technologies to make sure your property or farm has a strong presence on the Internet. For example if someone is looking for real estate in Sylvania, or a Realtor in the Sylvania Ohio area, they have a much higher chance of finding this site, and YOUR listing.

Contact me

today and I will be happy to give you more information about my services to sellers.

 

Thank you for visiting! I strive to provide the highest quality of service to all of my clients while I put our expertise to work to make each transaction profitable. Call or

e-mail me

today for information on your next real estate transaction!


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