2700 Julienne Pl Hattiesburg , MS  39402

Perfect for college roommates! 2 BD/2 BA, fenced yard, convenient to hospitals, shopping, etc.

Call Crye-Leike for details!

103 E MAIN St. Seminary , MS 39479  $169,900

Established, income producing restaurant with a hometown setting. Conveniently located on the corner of Old HWY 49 and Main St.

Call Crye-Leike  today for details on this property.

1.83 acres mol located in Orleans Park off Highway 98 West in Oak Grove. Lamar County Zone C-1.  This lot appraised in February 2011 for $478,000.  Listed now at $399,000!  Call Kevin Brown 601-543-5478

More often than not, there will always crop up urgent needs like emergencies and the money that is intended for savings for your first home purchase would be used to resolve that problem. However, with a lot of individuals fascinated with all the good experiences that home ownership can bring; saving money for their first-home purchase is something that they want to accomplish. In line with this, many lenders are making home buying more appealing by offering home loans that require only ten percent deposit. For the first home buyers who also want to know something about property management, you can turn to some property managers for advice.

Compared to the previous practice of asking twenty percent deposit; this is absolutely a lot more advantageous for most first-time home buyers. With this having said, for sure many people would be glad to learn some effective ways that can help them save the money they will need to help them become a home owner too! So, here are three of the best ways that can help many people save money for their home buying dreams; say for instance their dream home from Smyrna homes for sale listings.

If buying your home soon is your top priority, you need to go back to the basics. This means living life simple minus the little luxuries you enjoy in life. For example, if you are used to traveling during weekends; definitely, cutting out this habit would help you save some money.  If you are used to call food delivery for lunch at work, preparing your own lunch would mean additional savings in your bank account too! Making simple but worthy sacrifices like these would help you reach your target sooner.

This means learning to differentiate your basic needs with your extra wants. You can start with saving on your electricity costs by using energy-efficient appliances and lighting at home. Instead of incandescent bulb, use fluorescent lights because it consumes less electricity without making your house look dim. It would also help if you would create a shopping list before you do your groceries. In doing so, you would minimize the chances of buying things or foods that you do not really need at the moment.

If you are really determined about reaching your savings goal, why not take a second or a part time job? It may seem time and effort demanding but sure enough, it would be an effective way to help you earn some cash that you can save for your home purchase goals. Saving money for buying your dream home may not be as easy as other think. However, it is also not impossible. With your patience and determination sprinkled with some practical choices, arriving at the money you need for the down payment of your dream home from Smyrna real estate, for example is something that can be done for sure.

http://finanzaslocales.com/uncategorized/how-to-save-money-for-your-first-home

The next Home Buyer Seminar will be held  on  March 20, 2012 at 6:30, at the Crye-Leike office. Call now to reserve your seat!

Satisfied seminar  partipant:

“If anyone is looking at buying a home in the Hattiesburg area, the Crye-Leike team held a great Home Buyers Seminar. We highly recommend attending it. We learned a lot of great tips.”    Nina Wilson           

59 Wandering Oaks Ln.  Hattiesburg , MS 39401   $205,000

Perfect place to unwind in this 3 BD, 2 BA home. Features stainless appliances, granite square counter tops, brick fireplaces and much more.

Call Crye-Leike today for your private showing!

195 W CANEBRAKE Blvd   Hattiesburg , MS 39402

Choose Canebrake- Vacation all year!

4 Bedroom, 4.5 Bath home on 1.3 acres (MOL).  Too many features to name….

Call Crye-Leike today for details.

Each day the Research staff takes a look at recently released economic indicators, addressing what these indicators mean for REALTORS® and their clients. Today’s update highlights mortgage rates.

• Mortgage rates touched a new low last week, with Freddie Mac announcing a 3.91 percent average rate on a 30-year mortgage. The shorter term 1-year and 5-year ARMS also reached historic lows with average rates at 2.80 percent and 2.86 percent, respectively.
• The shorter-term rate may decline a little further if the Federal Reserve reaffirms its goal of keeping the fed funds rate at essentially zero for a longer period than 2013. But some of the voting members have carefully hinted that they will watch economic developments before making further pronouncements of ‘low rates for an extended period’.
• The longer-term rates are less directly determined by the Federal Reserve and are more influenced by global bond investors. So far, bond investors have been comfortable buying U.S. government debt as well as U.S. government-backed Fannie and Freddie securities. Generally the movements in the 10-year Treasury yield lead to corresponding changes to the 30-year fixed mortgage rate (because investors know that a vast number of 30-year mortgages do not last for 30 years but are refinanced or a person moves into a new home within 10 years).
• Today’s 10-year Treasury is at 1.98 percent, which is about the same as last week. Therefore, expect no meaningful changes to the 30-year fixed rate mortgage this week from last.
• Most economists are predicting the 10-year Treasury borrowing rate to rise and to reach 2.6 percent by the fourth quarter of this year and 3.3 percent by the fourth quarter of 2013. If this is realized then the 30-year mortgage rate will be about 4.5 percent by the end of this year and 5.2 percent by the end of 2013.
• Meanwhile, global bond investors continue to shy away from Greek government debt. The 10-year Greek government borrowing rate is not 2 percent (like the U.S. or Germany) or 5 percent (like Spain and Italy) or 10 percent (like many developing countries), but 29 percent. As a result Greece is now evidently willing to go to the global pawn shop. That is, it will now borrow money by putting up some of Greek land and islands as collateral. That is the price of continually overspending money the country does not have.

http://economistsoutlook.blogs.realtor.org/2012/01/09/mortgage-rates-2/

On January 9, 2012, in Daily Economic Updates, by Lawrence Yun, Chief Economist

1510 CONCART St. Hattiesburg , MS  39401 $147,500

Located one block from zoo/park. Entertainer’s dream with charm and character.Fresh paint and new appliances.

Call Crye-Leike today for details!

It’s been a mild winter throughout most of the country so far. That means we still have time to run through a foul-weather checklist. Here are 10 “must do’s” to have a warm, cozy and safe winter.

1. Check attic insulation. A foot of blown-in or batt insulation (R-38) in the attic reduces heat transfer from heated interior space to the great outdoors. This is a do-it-yourself job. If your attic is not insulated, blow in or roll out 12 inches of loose or batt insulation. If the amount of insulation is less than 12 inches, simply roll out unfaced fiberglass batts over the existing insulation to create a heavier thermal blanket. This is a case where more is better. Make sure to leave soffit vents unobstructed.

2. Install or replace weatherstripping, if necessary. Check the rubber threshold gasket at the bottom of exterior doors and replace if worn or torn. Next, make sure the top and sides of the door are weatherstripped and fit tightly. If there are gaps, replace the weatherstripping.

3. Check exterior doors and windows for gaps. Modern windows are probably OK, but older windows may need some help. To reduce air leakage, casement windows might need some weatherstripping at the joint where fixed and movable panes meet. Old double-hung wood windows are notorious air leakers. Place pieces of narrow self-adhesive rubber weatherstripping on the bottom sides and at the joint where the top and bottom panes meet.

4. Check the outside of doors and windows for voids, and caulk any gaps you see.

5. Change the filter in the heater. In older furnaces, filters should be changed monthly. Change or service newer, more efficient filters according to the manufacturer’s instructions.

6. Replace your old thermostat with a new programmable model. This allows you to regulate the heater to warm the house when you’re there and to reduce the temperature when you are at work or asleep.

7. Have your heater inspected by a licensed heating and air conditioning contractor. An inspection ensures that the heater is operating safely and efficiently. In many cases an inspection can alert you as to whether the unit is at the end of its life. It’s nice to have the option to replace an old heater before it quits and becomes an emergency on a cold January day.

8. Check the carbon monoxide (CO) detector. If you don’t have one, get one. Carbon monoxide is an odorless and colorless gas that kills. An operating CO detector can prevent a tragedy. While you’re at it, check the smoke detectors to ensure they’re operable.

9. Clean gutters and downspouts so fallen leaves won’t clog them. Make sure that downspouts discharge away from the foundation and that soil is graded away from the foundation and at least 6 inches below the siding.

10. Clean the fireplace of ashes; visually check the chimney for loose or missing mortar. Also consider having the chimney professionally inspected and swept by a licensed and bonded chimney sweep.

BY BILL AND KEVIN BURNETT, WEDNESDAY, JANUARY 4, 2012.

Inman News®