Fall is now upon us.  Now the ideal time to rejuvenate your lawn.  Especially if you are thinking about selling in the spring market.  Studies have shown that homes that are nicely landscaped will sell for more.  Your lawn is a big part of the landscaping.  You can start by raking over the lawn.  This loosens the soils allowing it to breathe.  It also removes debris and dead grass from the lawn.  This is an essential step before you put down fertilizer.  Raking the lawn is prep for the fertilizer, so it can get down into the soil. Be sure to buy the right fertilizer for your lawn.  Fertilizer in a sense is like winterizing your lawn.  It is preparing it for the spring.  Your lawn needs to repair from the summer.  In closing, give your lawn what it needs and you will be thankful in the ... 09/18/2008

Langhorne Alive, http://langhornealive.com/  is a sub site of BucksCountyAlive.com.  It is a great resource if you are visiting the area, or if you live in the area. It offers things to do, community resources, quick links, guides, newsletter, and even an up to date gas price locator.  The website is an endless wealth of knowledge, so check it out!  I was very impressed. 09/17/2008

Healthy Schools Honored with National Award Neshimany school district is Langhorne's  top rated school district.  If you are looking to relocate to the area, Neshimany school district has great credentials.  Neshimany Middle School in Langhorne, Pa. was honored among 43 other schools nationwide for their efforts in becoming a healthier school.  Check out:http://cbs3.com/topstories/Healthy.Schools.Honored.2.789367.html 09/15/2008

I have been contacted by the local pantry to organize a Food-Fuel of Life Drive.  Given the position of Keller Williams Cultural Chairperson it has been brought to my attention that the local food pantries are in need of food.  They are crying out for help restocking the many local pantries. A fellow agent, is a pastor a local congregation.  She asked if we could team with the teen center  which is to open in September.  The teens will  aid in the collection & distribution to the local pantries. The Food - the Fuel of Life Drive will begin Sept. 22, 2008.  Non perishable groceries maybe dropped off at our Keller Williams Real Estate office located at 584 Middletown Blvd across from Macy's in the Oxford Valley Mall.  Call me, Carol Swain,  if you need the items picked up on Sept. 29th.  ... 09/11/2008

We all know and love Google.  It seems like you can just about do it all at Google. I know personally, I use Google, when I need to look an address or area up on a map.   Google has now come out with Google Street View is now available for our websites.Google Street View is a feature of Google Maps and Google Earth that gives you a 360 view of the of a location.    It is neat.  The program displays photos that have been taken by a camera mounted in a car.  You can also go up and down the street by clicking on the arrows in the direction you wish to go.  Photos can be viewed from different angles, in any direction or in different sizes.     09/10/2008

Imagine owning a home with that you can turn all your lights on with a remote.  That is right.  And the technology is out there, it is called Verve Lighting.  You can check it out at www.vervelivingsystems.com . The Verve Living System eliminates wires and operates on a radio frequency network. The network transmits the radio signal wirelessly at fast speeds.   This means via remote control lighting both indoor and outdoor can be controlled.  The network transmitsthe radio signal wirelessly at fast speeds.  This is great news for new homes being built. Verve eliminates the need for wires, nothing is hardwired.  Verve switches can be mounted almost anywhere on anything in the home.  Verve switches also make it possible to lower the intensity of light in any given room with any switch or ... 09/09/2008

Healthy Schools Honored with National Award Neshimany school district is Langhorne's  top rated school district.  If you are looking to relocate to the area, Neshimany school district has great credentials.  Neshimany Middle School in Langhorne, Pa. was honored among 43 other schools nationwide for their efforts in becoming a healthier school.  Check out:http://cbs3.com/topstories/Healthy.Schools.Honored.2.789367.html             Carol Swain, Owner/PartnerKeller Williams Real EstateLanghorne, Pa(215) 757-7257carol@swainsells.com Visit my website for area listings: www.swainsells.com 08/19/2008

Many seniors can't even imagine trying to fit their things in a smaller space. The thought of selling your home and leaving your neighborhood usually feels overwhelming for anyone. For many seniors, it evokes such fear and anxiety they often try to avoid moving even though there may be good reasons to make that move. In some cases, there are safety and security issues that make a move necessary. Their home may not be the ideal situation or environment anymore. Or there may not be quick and easy access to care if something should happen. Read more at http://sellwithstacey.featuredblog.com/?p=50 Flowers Mill in Langhorne has a number of great homes for sale for the 55+ and over crowd. Spacious homes and a great community with a clubhouse and pool make a move there easy. A gated community ... 08/12/2008

I have been contacted by the local pantry to organize a Food-Fuel of Life Drive.  Given the position of Keller Williams Cultural Chairperson it has been brought to my attention that the local food pantries are in need of food.  They are crying out for help restocking the many local pantries. A fellow agent, is a pastor a local congregation.  She asked if we could team with the teen center  which is to open in September.  The teens will  aid in the collection & distribution to the local pantries. The Food - the Fuel of Life Drive will begin Sept. 22, 2008.  Non perishable groceries maybe dropped off at our Keller Williams Real Estate office located at 584 Middletown Blvd across from Macy's in the Oxford Valley Mall.  Call me, Carol Swain,  if you need the items picked up on Sept. 29th.  ... 08/11/2008

Neshimany school disctrict is Langhorne's  top rated school district.  Neshimany Middle School in Langhorne, Pa. was honored among 43 other schools nationwide for their efforts in becoming a healthier school.    Check out:http://cbs3.com/topstories/Healthy.Schools.Honored.2.789367.html   08/11/2008

In analyzing a borrower's credit and applying the fha credit requirement, past credit performance serves as the most useful guide in determining the attitude toward credit obligations. A borrower who has made payments on previous or current obligations in a timely manner represents a reduced risk. Conversely, if the credit history, despite adequate income to support obligations, reflects continuous slow payments, judgments, and delinquent accounts, strong compensating factors will be necessary to approve the loan.When an underwriter looks at a borrower's Fico Scores/Reports , it is the overall pattern of credit behavior that must be examined rather than isolated occurrences of unsatisfactory or slow payments causing bad credit. If a borrower had a period of financial difficulty in the p... 02/03/2008

Loan Programs  First Time Home BuyersWe understand the excitement and pressure that can be a part of your first home purchase. That is why we have trained professionals to help you get the information and  financing you need. There are several benefits available for your first home purchase. Give us a call and we will give you a free consultation on purchasing your first home.New ConstructionWe have numerous construction loan programs to help you build the home of your dreams. With extended lock programs, we can give you the peace of mind that your rate will not go up. Government Loans (FHA / VA)These loans, backed by the US government, are a great way to get into a home with little to no money down, even if you have credit issues. They are also a great way to finance unique or distress... 12/14/2007

Mortgage Checklist  The following information is usually requested during the loan process.Your Social Security numberCurrent Pay stubs or if self employed, past two years of Tax returnsBank statements for past two monthsInvestment account statements for past two monthsLife Insurance policyRetirement account statements for past two monthsMake/Model of vehicles you own along with their resale valueCredit Card account informationAuto Loan account informationPersonal Loan account informationIf you currently own Real Estate:Mortgage Account informationHome Equity Account information (if applicable)Home Insurance Policy information 12/14/2007

At one time or another many homeowners consider the possibility of a mortgage refinance for a number of reasons. For one, a Pennsylvania mortgage refinance affords the homeowner the opportunity to lower their interest rates and subsequently lower their monthly payment. Additionally, a mortgage refinance allows a homeowner to pay down - or off - other debt and put cash in their pockets to make home improvements, pay for education, or make other large expenditures. Finally, a Pennsylvania mortgage refinance gives homeowners the opportunity to change the terms of their loan - drastically decreasing the length of their loan and changing their financial future.A successful Oregon mortgage refinance is reliant upon finding the lender and terms that work best for your particular financial situ... 10/23/2007

How to Get a Loan Approval Process     When you submit your application to a pennsylvania mortgage company for a mortgage loan we take the following steps:Verifying your amount of your income and the stability of your employment Verifying the amount of other debts you currently have Determining the affordability of your new mortgage payment Verifying the source of your down payment Analyzing your past credit history Determining the property's value1. Income and Employment You will be asked to provide the Pennsylvania mortgage company. with proof of your current gross income.  Typically this will require that you bring in a copy of your most recent pay stub and a copy of your most recent W-2 Statement.  Your pay stub will verify that you are currently employed and will indicate the appro... 10/23/2007

Protecting Your Investment With A Pennsylvania Mortgage RefinanceA home is the biggest investment that most of us will ever make. And protecting that investment is paramount to our financial future. In fact, many young couples have dreams of owning their home outright one day so that they may settle into retirement comfortably without the pressure of a monthly mortgage payment.But in order to protect that investment, it may be necessary to make continued adjustments throughout the lifetime of your home mortgage. For instance, while you may have initially been comfortable with a longer term mortgage at an adjustable interest rate, you may find over the course of time that it makes more financial success to reexamine the terms of your mortgage.A Pennsylvania mortgage refinance allows home... 10/23/2007

A Happy Seller that Just Settled 6-26-07Dear Sheri & John,Gary and I wanted to take a moment to THANK YOU for the superior service you provided on our recent home sale.After unsuccessfully listing with two well-know neighborhood agents, we decided to try the Curci team. Boy, did we get lucky!Your well thought out marketing plan, generated five appointments and a cash offer with a quick settlement in the first week.We really appreciated the level of service, integrity and professionalism that was maintained from the listing through the settlement.Selling a home is extremely stressful and complicated.We were glad to have you on our side. You will always be our first choice realtors!Andrea & GaryAlso Another Happy Buyer settled- 6-25-07......Hi John   Just wanted to drop a quick note to sa... 06/27/2007