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3/9/2010 Cleaning & Caring For Siding
If youd like to prevent costly home repairs and add to the value of your house, clean your siding. With proper care and a little regular maintenance, your homes exterior could be trouble-free for 50 years and more. Cleaning siding removes dirt and mildew that may shorten the life of your siding. A clean house protects your investment, too.

All types of siding benefit from a good cleaning once every year to remove grit, grime, and mildew. The best waywhether you have wood, vinyl, metal, stucco, brick, or fiber-cementis with a bucket of warm, soapy water (1/2 cup trisodium phosphateTSP, available at grocery stores, hardware stores, and home improvement centersdissolved in 1 gallon of water) and a soft-bristled brush attached to a long handle. Divide your house into 20-foot sections, clean each from top to bottom, and rinse. For two-story homes, youll be using a ladder, so keep safety foremost.

Take time to inspect and clean your house siding, and youll be rewarded with a trouble-free exterior. More to come...

3/3/2010 Qualifying For Energy Tax Credits
Does it feel like money is escaping through your homes drafty windows, doors, and skylights? You might be able to keep at least some of that cash in your pocket by taking advantage of federal energy tax credits for retrofitting your house with qualified energy-efficient replacements. You can claim a tax credit of up to $1,500 for upgrading the windows, exterior doors, and skylights in your primary residence during 2009 and 2010.

The credit is based on 30% of the cost of materials, so a $5,000 purchase would max it out. But a tax credit alone isnt reason enough to start calling contractors. Do a little homework first. The true value of replacing aging windows, doors, and skylights isnt always an open-and-shut case.

A label alone doesnt guarantee your new windows, doors, and skylights qualify for the energy tax credit, but it does provide critical information related to eligibility. To qualify, windows, doors, and skylights must have a U-factor of 0.30 or less and a Solar Heat Gain Coefficient (SHGC) of 0.30 or less. The U-factor measures how well a product prevents heat from escaping, and the SHGC gauges how well a product blocks heat from the sun. Labels also carry information on light transmission, air leakage, and condensation resistance.

More to come...

2/16/2010 Sold
Some homeowners try to sell their own home, believing that they are as capable as a real estate agent of handling a property transaction. But according to statistics, only 8 to 10 percent of "FSBO" transactions actually close, and many end up in litigation.

If you choose to buy a home with a Realtor's help, you substantially reduce your risk. Buying real estate involves more legal and financial repercussions than most people realize. We are licensed and highly regulated professionals who are equipped to deal with the complex issues that arise. For example, if the FSBO seller holds your earnest money deposit, how will you as the buyer go about getting it back if the deal does not close? What will you do if the seller refuses to correct defects in the home or treat a termite infestation? Who pays for re-wiring the house if the electrical system does not meet current codes? What if there are liens against the property?

As a buyer, you have rights written into the sales contract. An experienced agent like me knows how to protect those rights while negotiating the best price and terms on your behalf. More to come...

2/10/2010 Time To Move?
Serious house hunting can leave you worn out and confused at the end of the day. It is hard to remember which house had the great back yard and kitchen and which one you ruled out because of inadequate storage space. Some of the houses you visited looked familiar--like maybe you had seen them before. How can you conserve energy and keep it all straight?

The first step is to find a real estate agent who knows the area well and will only show you homes that meet your criteria. Next, what I do, is give my clients a customized detail sheet for each house in order to keep a record of the homes they visit. They note the style and exterior color, as well as something distinctive about the house that will trigger their memory. I encourage them to make a special note if a house has real possibilities. Jot down important pluses and minuses of each property and share this information with your real estate agent. This helps narrow down the houses to their favorites. More to come...

2/3/2010

Termites
Most home purchase agreements have clauses that deal with termites. After the agreement is ratified, a termite inspection is arranged. Before the closing can occur, the sellers must be able to produce papers signed by a licensed exterminator stating that the house is free of infestation and that any termite damage has been repaired.

Before you sign an agreement to buy or sell a home, you should read the termite clause and be sure that you understand it. Who selects the exterminator and pays for the inspection? If bugs are found, who pays for the treatment? Are the sellers obligated to repair any damage and have they placed a limit of the dollar amount they will spend on those repairs? If treatment is required, the buyers may want a chance to discuss the options with the pest control company, especially if someone in the family is sensitive to the chemicals used to control the termites. Ask about the exterminator's guarantees or service contract options. More to come...

1/13/2010 Locking In Loan Rates
It is important for new homebuyers to know how to lock in an interest rate when applying for a mortgage loan. Understanding how rate locks work prepares you to evaluate your options. While you are in the process of applying for your mortgage loan, interest rates will most likely fluctuate from day to day and week to week. If you want assurance that the wonderfully low interest rate on your loan will not increase while you are waiting for loan approval, ask for a rate lock. A conventional rate lock is a guarantee from the lender that your mortgage will carry a particular interest rate, with specific, predetermined points and fees.

The interest rate is "locked in" for a specified period of time, usually thirty days. When you call a lender for a rate quote, ask how long that rate will last for. If you think you might need more than thirty days to complete your home purchase, tell your lender how many days you will require, and they will give you an adjusted rate quote. Rate locks are especially useful if interest rates are on the upswing, and you are concerned about ending up with higher monthly payments. If you cannot afford the risk of a further interest rate increase, lock in your loan rate now. More to come...

1/4/2010 A Beautiful Yard
Many homeowners wait until they are ready to put their home on the market before painting, planting flowers, and making other improvements to their homes. After completing these improvements, they may be so delighted with the results that they wish they had done the work on their home sooner in order to enjoy the changes.

Whether you have recently purchased a home or have been settled in your home for several years, you should consider evaluating the condition of your house as if you planned to sell it soon. Maximize your home's "curb appeal" now, so that you will reap the benefits every time you pull into your driveway. Plant those flowers and bulbs and you will have your fresh flowers on your own dining room table. Add new window treatments to freshen the appearance of the main rooms. If your house needs an upgraded kitchen, go ahead with the renovation. You will enhance your whole neighborhood and experience the pleasure of living in a more beautiful and fully functional home. More to come...

12/23/2009 A Beautiful Yard
Many people wait until they are about to sell their home before they put energy and attention into improving the landscaping. Then in a desperate attempt to create instant curb appeal, they call in a professional landscaper and spend a lot of money making the yard beautiful for the next owners to enjoy.

Why wait until you are ready to move to enhance your surroundings? Even if you don't want to take on a major project, you can plant a few bushes and bulbs each year. You can get plants that bloom at different times of the year, many of which don't need a tremendous amount of care. There are several benefits to this approach. You will be able to enjoy your improvements yourself, and you will profit more from your sale if you haven't invested a lot of money in your yard right before the transaction. Well-landscaped lawns tend to increase the real estate values in the whole neighborhood, and can result in a more rapid increase in the equity you have in your home! More to come...

12/9/2009 Earning Your Loyalty
When you begin to search for a new home, you will probably encounter several real estate agents at open houses, through friends or from signs or advertisements. Each agent would like a commitment from you to work exclusively with him or her. Is this arrangement in your best interest or is it better to play the field?

There is a universal law that also pertains to real estate agents--you get back from a relationship what you put into it. If you are not convinced that one agent could possibly fill all your needs, you may be overlooking the positive aspects of a one-on-one relationship.

The first step is to find an agent whom you like and trust. Don't be afraid to discuss your reluctance to work with one agent exclusively, but be open to other viewpoints. You may be pleasantly surprised by the open communication that such an admission will establish right from the beginning! Making a commitment to work exclusively with an agent is part of the formula for success in real estate. More to come...

12/2/2009 Marketing
When my clients list their home for sale, we work as partners to ensure it sells as quickly as possible, and for the best price. While they take the necessary steps to make their property look good inside and out, I go to work to make sure the home is exposed to qualified buyers.

I work with each seller to develop a marketing plan. This enables them to know what I am doing to sell their home and what they can expect to happen while the property is on the market. It will also include suggestions on how to make their home sell. There is regular communication between us from the day the listing agreement is signed. I give progress reports and feedback from the people who have seen the home. My sellers also have frequent opportunities to ask questions and discuss changes in the marketing strategy. More to come...

11/25/2009 Remodel or Move?
At some point your present home may begin to feel cramped. You would like enough room to have an "adult haven", but you must weigh the price of a larger home over against the prospect of living with contractors and plaster dust for a long time. Is it better to remodel or to look for a new home?

Before you decide on a major home improvement project, let me know. Will the changes you have in mind over-improve your home, making it difficult to re-sell? Will you be able to recover the cost of your investment? Find out how much your present home is currently worth, and how much home equity you have. You may be able to make a substantial down payment that lowers your mortgage payments on a larger home. It may be worth making a move to avoid the stress and inconvenience of remodeling, if you can find a new home with all the features you would like to add to your present home. More to come...

10/27/2009 Disclosing Home Defects in West Virginia
Most states require a home seller to provide the buyer with some type of disclosure form. What might the seller have to disclose?

West Virginia state law requires the home seller to disclose any and all known facts that affect the property's value and aren't readily observable such as conditions of the home's heating, wiring or plumbing systems, including any defects that may exist, such as leaks in the roof or cracks in the foundation. If something in your home is not working properly or needs repair, the seller will need to either fix it or disclose the material defect to the prospective buyer.
However, West Virginia does NOT require the seller to put these imperfections in writing. West Virginia doesn't have a state-approved form.

To protect sellers and buyers I insist all issues with the property are in writing before closing. If you have any questions, contact me! More to come...

10/19/2009 How This REALTOR Listens To Your Needs
Some buyers purchase the exact kind of house they said they were looking for, in the neighborhood they preferred. Other buyers surprise me by falling in love with a house that is the complete opposite of what they originally wanted.

I listen carefully when buyers describe their needs and preferences. I screen the current inventory of homes to come up with possible matches. Since there is almost always some compromise involved when selecting a home, I may suggest alternatives that might work for buyers.

If you like a specific neighborhood where there are no homes in your price range, I may suggest homes in other areas with similar amenities. If you want four bedrooms, and one of them will be used as a home office, I may look for a den or family room that could serve your needs. When you look at houses, remember that your feedback is important--and it won't hurt my feelings. More to come...

9/26/2009 What If You Find The Perfect House Before You Sell The One You Have?
Sellers may be reluctant to accept an offer that is contingent on the sale of another property. However, such a sale can be structured to minimize the risks.

The seller could put a limit on the amount of time that you have to accept an offer, and they may keep their home on the market during that time. Many sellers also reserve the right to require that any contingencies be met within a short period of time, ideally 24 to 48 hours, if they get a second offer. This is called a "First Right" contingency.

Contingent sales can work well for the sellers. You probably will not be in a position to ask for sizable concessions on price or terms. Each situation is different, however, so go over the terms with your real estate agent before making or accepting a contingent offer. More to come...

9/20/2009 About Appraisals
Before your mortgage application is approved, the lender will order a professional appraisal of the home to make sure that the agreed-upon selling price is justifiable based on the current market value of the property. The cost of the appraisal will be based on the complexity of the appraisal report and the time required to complete it.

A professional appraiser will choose the appraisal technique that is applicable to the particular property to arrive at an unbiased opinion of value. One approach is to look at comparable homes in the area that have sold within the last six months. If there are a number of similar properties that have sold recently, the appraiser's job is easy. It is more complicated to arrive at the appraised value if your home is located in a rural area or a diverse neighborhood. More to come...

9/17/2009 How Do You Mend A Broken House?
Most houses have a few "little" problems, like leaking faucets, a stove burner that won't light, or electrical outlets with too much "spark". These defects may not seem very important--unless your house is about to go on the market.

We rarely have difficulty getting sellers to agree to paint, replace worn carpets or plant a few flowers in the front yard. These kinds of repairs obviously increase the overall appeal of the property. However, if any of the major systems in your home need maintenance, it is also prudent to have the necessary repairs made. Have your furnace, central air-conditioning system, plumbing and wiring checked as part of your pre-marketing efforts. The best rule is--if it's broken, fix it!

The purchase agreement requires that a house be conveyed with all the systems in working order, and most buyers will bring in a home inspector to identify any potential problems. During the period of time between the "meeting of the minds" and the removal of the inspection contingencies, the buyers are the most vulnerable to an attack of buyer's remorse. This is also the time when anything that hasn't been repaired could become a major issue. More to come...

9/5/2009 Home Warranties Help Homes Sell Faster
You have just found a new home that you love and we just put your current home on the market. Even though you haven't had any recent problems, you begin to think of all of the things that could break down now that a sign is in your yard. The air conditioner may stop working or your trusty old dishwasher might "bite the dust". Purchasing home warranty protection is one way to reduce these worries for you and your buyer.

There are warranty plans to cover the home from the time it is listed until one year after the closing date. Although the details of these policies vary, there is usually a standard deductible of $50 to $80. Many sellers purchase these warranties to make their property more attractive to potential buyers and to limit their liability in the event that a problem is discovered after the closing. More to come...

8/15/2009 What Is Motivating Current Home Sellers and Buyers?
From relocation.com: A recent survey has found some optimism for the real estate and relocation biz: 50 percent of people who recently moved did so to improve their living situation, whether to move into a bigger home or move to a better neighborhood.

As the primary reason for moving, No. 1 on the list was to live in a bigger/better home (26 percent), followed by living in a better neighborhood or area (24 percent); to be closer to family/friends (12 percent); living in an area with a lower cost of living (9 percent); or a move that was sparked by a change in marital status (6 percent). Moving because of school, job loss, retirement or foreclosure each garnered 3 percent or less.

While finances still factor into the moving decisions, the survey indicates that fewer people were feeling the need to move due to job losses, foreclosures or downsizing to cut costs. The people who looked to improve their living situation were a mix of those buying a home or renting that were seeking to take advantage of lower rents and home prices to move smart. More to come...

8/9/2009 Recent Home Market Numbers Provide Optimism for Huntington Area

While sales of existing homes in the Huntington area are off from the high we saw in 2007, existing-home sales in July 2009 proved there is a robust demand in the marketplace. According to data from the Huntington Board of REALTORS MLS, the number of residential sales in July 2009 increased by an impressive 25% when compared to closed sales in July 2008. The average sold price also had an 8% increase over the average sale price a year ago.<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p>

Across the U.S., existing-home sales in the second quarter showed healthy gains from the first quarter in the vast majority of states, and price declines have increased affordability in most metro areas, according to the National Association of RealtorsŽ.
I encourage those of you standing on the sidelines to get into the market and look around. I think youll be pleasantly surprised at what you find here in the Huntington region. There are many low-cost, sound mortgage products today from prime conforming loans to those insured by the Federal Housing Administration.
Over the years in Huntington, Barboursville, Proctorville, Ohio and throughout our Tri-State area, homeownership has proven to be a good long-term investment. A look at todays market fundamentals makes a very good case for buying a home if your life and family conditions warrant it.

More to come...

July 25^th, 2009 -

Why You Need An E-Pro

Last year, I successfully completed the e-PRO^Ň Technology Certification Program course to become one of the very few real estate professionals in the Huntington area to earn the prestigious certification offered by the National Association of REALTORS^Ž. The e-PRO^Ň certification is specifically designed to provide real estate professionals with the technology tools needed to assist homebuyers in the purchase of a home. The Bunch family started in real estate over 50 years ago, but the real estate industry has undergone a fundamental change over the past several years. I realize a majority of consumers are taking the time to conduct their own research prior to contacting an agent. In turn, I understand how important it is for a REALTOR to be knowledgeable of how technology can assist the needs of home buyers and sellers. It only makes sense to work with a REALTORŽ who is up to speed on todays technology. More to come...

July 10^th, 2009 - Please Help Me!!

I have been arrested and will be put in jail for the Muscular Dystrophy Association (MDA) Lock-up. Dont even bother asking what crime I have committed its not really that important. I just have to raise my bail before the Lock-Up and they will go easy on me, but I need your financial assistance to post my bond. Your 100% tax-deductible donation will help MDA continue research into the cause and the possible cure of the 43 neuromuscular diseases they cover. Your support of the MDA Lock-Up will also help MDA provide medical equipment, clinic visits, support groups and a magical week of MDA Summer Camp for the families served by the Association in our local area. E-mail me at wgbunch@wgbunch.com and I will e-mail you the details. Thanks a bunch! More to come...

July 7^th, 2009 - Homebuyer Tax Credit Provides Incentives for Buyers

With low interest rates and an abundance of homes on the market, we are seeing that now is the time to buy. And for those who were previously on the fence, the recently approved 2009 first-time homebuyer tax credit is becoming the incentive they need, allowing buyers to save thousands on a new home this year.

The $8,000 tax credit is available to first-time home buyers who purchase a principal residence between January 1, 2009 and December 1, 2009. First-time homebuyers who qualify are those who have not owned a residence during the three years prior to the purchase. Unlike previous homebuyer tax credits, this credit does not have to be repaid and can be used as a down payment toward the purchase of the home.

For many interested buyers, this tax credit not only provides financial support, but it allows many to realize the dream of homeownership that they may not have qualified for previously.

The details of the credit are similar to the one offered in 2008 and include the following requirements:

ˇ Buyers must close on their home purchase by November 30, 2009

ˇ Buyers must ensure that they are qualified first-time buyers under IRS guidelines

ˇ Buyers must decide which year to file under, 2008 or 2009

ˇ Buyers must file an amended 2008 return or choose to apply the credit to their 2009 tax return

The success of the tax credit thus far has increased support for legislation that would extend the tax credit beyond the current deadline, as well as that which would open it beyond first-time buyers. This is just one of many efforts under way to help people like you achieve the dream of homeownership.

With all of the requirements and restrictions for this credit, the key is to work with a real estate professional that knows the local market and specializes in buyer representation." - More to come...

6/13/2009 How Homebuyers Should Choose Their Real estate Agent
From newswise.com: A study of recent home buyers and sellers found that most consumers rely on three basic factors when deciding on an individual real estate agent for buying or selling a home. Through their focus group study, researchers found that consumers are likely to begin evaluating real estate agents by paying close attention first to social influences, followed by market sources and ultimately, the reputation of the agent. The study found that critical word-of-mouth referrals often come from friends who are real estate agents and from friends who had a good experience with a specific agent, indicating that individuals seek out others who have some level of experience in buying or selling real estate and with whom they already have a relationship. Researchers also found that the word-of-mouth extends to the ease of use of the Realtors website, which gives buyers or sellers a clue about the agencys potential quality. Satisfaction with a Realtors website can lead customers to be more loyal and spread positive messages to others. Researchers also discovered that consumers expect:Comfort. Recent research suggests that the strongest effect on consumer perceptions of satisfaction and loyalty with an agent is the comfort level the consumer experiences in working with the agent. An agents reputation as being someone easy to work with is based on word-of-mouth received from others. In addition, an agent with a good sense of humor is more likely to have a positive reputation as someone customers want to work with.

Honesty. Customers expect the agent to be honest about the market and to have knowledge about when the house will best sell. According to the focus group, agents with a reputation for being honest are known to ask questions, listen intently and ultimately respect the clients wishes - particularly regarding price ranges. In contrast, those who felt manipulated by an agent offered negative word-of-mouth to others, thereby damaging the agents reputation.

Establishment. On an individual agent basis, being established means that the agent has been able to satisfy the needs of others long enough to remain in business, which could put newcomers at a disadvantage.

Experience. Closely related to establishment, the focus group noted that the reputation of an agent is tied to the breadth and depth of experience of the agent.

Knowledge. The focus group discussed the need to find agents with a reputation for knowing the particulars of the local market for buyers (knowledge about schools and other geo-demographic statistics) and sellers (how to market a property). More to come...

6/10/2009 Downtown Developer Needed
Waaaay back in December 2005, Prudential Bunch Co. REALTORS was honored to be selected as the exclusive listing company for a new downtown condo project in Huntington The St. James. I vividly remember being the on-site host for two years and, in that time, watching the project evolve from one that evoked comments from the public of This will never work to one in which suites sold above their asking price due to the high demand. Once the buildings prime units were gone, eager prospects would consistently ask if there would be any other condos downtown. The answer was always At this point, nothing official. Several people asked about the C.M. Love Hardware building as it was rumored it may be developed into condos. Todays headline is that the C.M. Love Hardware building will be developed intoloft apartments for rent! The same investors are renovating the Dickinson Furniture building downtown intoloft apartments for rent! The logical question you might have is if The St. James did so well with condo sales, why arent these new projects being built as condos for sale instead of apartments for rent? It may be the condition of the buildings. It may be the projects parking options. It may be the possibility of having commercial tenants in one or both of the buildings. However, there are condo options in central Huntington. Let me know if you would like more information at wgbunch@wgbunch.com. More to come...

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6/7/2009 Can Realty Companies Advertise Homes When The Homeowner Has Already Accepted An Offer?
Dont you get frustrated when you see your potential dream home in a homefinding guide or online but when you contact the agent, they inform you Unfortunately, that house is already under contractbut I know another house I could show you that may be what youre looking for? Some homebuyers see that as a bait and switch method and I wholeheartedly agree. FYI: The REALTORS Code of Ethics states (in article 12): Realtors^Ž shall present a true picture in their advertising, marketing, and other representations. I question an agent who continues to advertise a property as active even though the seller has entered into a binding agreement with a buyer. Over the years, those agents have attempted to justify their decision by stating that state law mandates they are obligated to do anything within the law that a seller requests in order to procure a buyer. However, West Virginia state law states a real estate license can be revoked if the licensee Uses misleading or false advertising´. More to come...

5/27/2009 - The Tri-State Housing Market Update
It would be a challenge to find a recent national television newscast that doesnt have a segment that focuses on or references the current housing market. As the President of the Huntington Board of REALTORS, I answer questions about our real estate market on a regular basis. I get questions about staging a home to sell. I get asked how the new tax credit works for homebuyers (FYI: this can save you thousands of dollars. Ask your REALTOR for details)! However, the most popular question I receive is simply Hows the real estate market?

My answer to any real estate question is based upon local data and experience. After all, it would not make sense to advise a potential home seller in Barboursville to spend $15,000 remodeling their basement because it worked on a TV reality show for a home seller in New York. Likewise, fluctuating home prices in Scottsdale, Arizona do not directly affect someone looking for a four-bedroom home with a two-car garage in Chesapeake.

What is happening today in real estate on a national level does not reflect trends we are experiencing in the River Cities. There are thousands of real estate markets and ours continues to defy most trends you read and hear about from national media outlets.

In fact, statistics indicate good news for the Tri-State area! According to the Huntington Board of REALTORS Multiple Listing Service, the local median home sale price in April 2009 increased eight percent when compared to April 2008. Those numbers are a welcome contrast to national home prices which were approximately 15 percent below where they were a year ago.

The National Association of REALTORS recently reported the number of existing home sales across the country in April 2009 increased almost three percent from March 2009..The Huntington Board of REALTORS is pleased to announce sales in our MLS rose approximately 20 percent from March to April 2009.

NAR President Charles McMillan, a broker with Coldwell Banker Residential Brokerage in Dallas-Fort Worth, said conditions are optimal for buyers with good jobs and long-term plans. We have record low mortgage interest rates, a wide selection of homes and affordable prices in most areas, he said. When you add the $8,000 first-time buyer tax credit, its hard to imagine a better time to make an investment in your future through homeownership.

That same outlook is certainly true in the Tri-State.

The biggest enemy of todays housing market and the economy in general is uncertainty. There are homesellers and homebuyers who want to weather the storm. But, ask yourself if its raining in Florida, do you grab an umbrella, too?

There are ample signs suggesting a sizable, pent-up demand in the real estate marketplace. One indicator is that real estate websites such as realtor.com are reporting record numbers of visitors each month. Yet, home sales have remained soft. I compare it to a busy mall but only a few people have shopping bags in their hands.
More to come...

4/21/2009 - When Does An Offer Become A Contract?
A purchase contract is created when there is a meeting of the minds on all termswhen you and the seller have come to agreement and signed the necessary forms along with any counter-offers and addenda. Real estate contracts must be in writing; verbal contracts to purchase real estate cannot be enforced.
More to come...

4/12/2009 - It's A Stone Cold Gas!
Over the past 3-4 years, an electric heating system in a house was a bonus over a furnace that used natural gas. A lot of that had to do with the cost. I remember my mother having a monthly gas bill of over $600 in 2007. Next winter, homeowners using gas should see up to a 75% savings on their heating bill. Why? A "bunch" of natural gas reserves have been found in the U.S. recently so the principle of supply and demand will kick in.
More to come...

4/4/2009 - Play Ball!!
If you're looking for something to do on Saturday, April 18, the Proctorville area is celebrating 50 years of Little League in the area. A parade goes from Kroger to the main field Saturday morning. At 9:30 a.m., the 1959 Fairland Little League players will be introduced. Cheer extra loudly for Larry Zimmerman (my father-in-law).
More to come...

3/15/2009 - Homebuyer Tips For Today's Market
Spring is on the way and www.bankrate.com offers some good ideas for those shopping for a home:Buyers have access to the lowest mortgage rates in years and an $8000 first time home buyer tax credit that does not have to be repaid if the homeowner lives in the home for at least three years. This should improved demand side for the housing market and with these nine tips, buyers should be moving in to their new home soon.

    1. Cash is king. With down payment increases from FHA and Fannie Mae, cash has more buying power than before.
    2. Negotiate everything. Home sellers will be offering more incentives to sell their home quickly. Consider asking for seller paid closing costs, property taxes, and home association fees.
    3. Save for a down payment. Set up a budget and include savings. The ideal goal is for 20% down on your new home.
    4. Determine how much home you can afford. Understand what you would like your monthly payment to be before finding out what amount you qualify for.
    5. Improve your credit score. Check your credit report for reporting errors, pay your bills on time, and do not cancel or close any open accounts.
    6. Research the local housing market. As you work with your local Realtor, search online to find out how long homes have been on the market and what they have sold for. The more you know, the better off you are in negotiating your purchase.
    7. Watch for certain neighborhoods. A Realtor will be able to help you avoid traffic issues, zoning changes, and higher crime areas.
    8. Consider foreclosed homes. With the number of foreclosed homes on the markets banks should be eager to sell.
    9. Look ahead. If you dont qualify for a mortgage today continue to watch the market and keep up your savings.
More to come...

3/9/2009 - Homeowners: Don't Forget Your Tax Credits
Just a reminder that home improvements you made last year to make your house more energy-efficient may be eligible for a credit on your taxes. More to come...

3/3/2009 - Home Fads Falling Out Of Style
Some home features losing popularity include fireplaces (global warming?), carpeting (hardwood floors, not laminate, have recently become homebuyers #1 choice), desks in the kitchen (which are now known as clutter spaces), skylights and granite countertops (more home buyers are choosing low-maintenance laminates).
More to come...

2/16/2009 - What Homesellers and Homebuyers Want
From National Association of REALTORS 2008 surveys: What do homebuyers look for most in finding the right neighborhood? Quality of the neighborhood (level of upkeep of the homes and overall appeal). What do homebuyers cite as the biggest benefit of using a REALTOR in their home buying process? Guidance about the home buying process. What age range represents the largest segment of homebuyers? 25-34. What's the biggest compromise homebuyers made when purchasing a home? Price. However, even more homebuyers said they didn't have to make any compromises. What do homebuyers value the most when visiting a real estate website? Multiple photos of listings. What is the most common reason for selling a home? Job relocation.
More to come...

2/10/2009 - When Can You Get The Best Deal On A Home?
I'm working with buyers who watch the news, read some blogs and come up with their own conclusions on what homes are worth. They want to make an offer on a $200,000 house that's been for sale for two weeks and their offer is $160,000. When asked where they came up with their offer price, they don't really know but "the current market" seems to always enter the conversation. Here are some signals I look for when I help my homebuyer clients come up with an offer: 1.) If it's vacant, the homeowner is probably paying two mortgages = $$. 2.) How long has it been on the market at its current price? 3.) When setting up the appointment, did the listing agent use a phrase such as "These people really need to sell." 4.) What is the average Days On Market for that subdivision? 5.) Was the house previously listed with another company? If you see any of these signs, the likelihood of a motivated seller increases. FYI - The average sale price to list price ratio in the Huntington MLS is 93%.
More to come...

1/17/2009 - The Local Home Market - 2008 in Review
In the Tri-State area, there were 13% fewer sales and a 2% decrease in the average sold price in 2008 as compared to 2007. The average price of residential sales was $130,483.Most areas had a decrease in number of sales but the Huntington and areas west had the largest decrease in activity with an 18% drop in sales. Lawrence County, Ohio actually had more 2008 sales than in 2007.
More to come...

1/11/2009 - Who Does A Real Estate Agent Work For Hardest?When real estate professionals work with sellers and buyers, agency relationships are established. In West Virginia (Ohio IS different) there are three kinds of agency relationships:

When you list your home, you are probably listing with a Sellers Agent
A sellers agent represents the interests of the seller and has a responsibility of reasonable care, loyalty, confidentiality and disclosure to the seller. A sellers agent works to assist the seller in locating a buyer and in negotiating a transaction suitable to the sellers specific needs.

When you are looking for a home, you should be working with a Buyers Agent
A buyers agent represents the buyer during the home buying process. The buyers real estate agent has a responsibility to represent the buyers best interests. CAUTION BUYERS: If you make an offer through the seller's agent, that agent will be helping the seller negotiate the best deal, not you!

You may end up with a Disclosed Dual Agent A disclosed dual agent represents the interests of both the seller and the buyer, during the same transaction. A dual agent has responsibilities to both seller and buyer and must act in the best interests of both parties.
More to come...

12/30/2008 - Interesting Concept: House Sitter
It can take a vacant house longer to sell than a staged, lived-in home. In some markets, sellers are cautiously renting their home to someone as a "home sitter". The tenant deters break-ins and keeps the house in showing condition. Another factor is that most home insurance policies increase after a house sits vacant for more than 30 days. In a few instances, the house sitter fell in love with the house and bought it!
More to come...

11/27/2008 - Remodeling Projects: Cost vs. Value
Are remodeling projects the best way for owners to add value to their homes? NATIONAL ASSOCIATION OF REALTORS statistics show that home prices have fallen by an average of 7 percent nationally in the past year (only 2% in the Huntington area). Remodeling Magazine produces the Cost vs. Value Report each year in cooperation with REALTOR magazine. In our region, here are the cost-to-value ratios: remodeling an attic to a bedroom = 71% of the cost can be expected to be recouped with the home's sale, a kitchen upgrade = 114%, a bathroom remodel = 71% and a basement remodel = 69%.
More to come...

11/17/2008 - Sorry, I Just Ate
Today, I received five e-mails from former Huntington residents and other people who have visited our area over the years regarding the news story naming Huntington "The Fattest City In The Nation". First, I will admit the report is bad news and has valid points but there is a major factor the story doesn't really mention. The report says "Huntington" is an area of over 284,000 people. That's because the health story includes Huntington...and Barboursville, Ona, Milton, Lavalette, Ceredo/Kenova, Wayne County, Ashland (KENTUCKY!), Flatwoods (KY!), Greenup County (KY!), Boyd County (KY!), Proctorville (OHIO!), Chesapeake (OHIO), Ironton (Ohio), South Point (Ohio) and Lawrence County (Ohio). But, I want to be clear: Is it a problem that hot dogs are the culinary cuisine in Huntington? Yes. Is it a problem that some of the locals feel that watching NASCAR burns enough calories to justify a Sam's Club box of cheesesticks? Yes. However, I just want Huntington natives living in other parts of the world to know that people still jog in Ritter Park, they still shoot hoops at the Southside Y.M.C.A. and kids are still pretending to be Randy Moss in Highlawn backyards.
More to come...

11/6/2008 - Home Sale Prices Similar to Last Year
According to the sold statistics from the Huntington MLS, the sale prices of existing homes are similar to where they were in 2007. The average sale price of residential real estate in the first ten months of 2008 was $131,807. That's only about a 2% decrease from $134,828 which was the average sale price in the first ten months of 2007. The number of sales so far in 2008 are below where they were in the same period in 2007. From 1/1/2007-10/31/2007, 1268 residential sales were recorded in MLS. That number decreased by 12% to 1113 from 1/1/2008-10/31/2008.
More to come...

11/5/2008 - "Beyond Imagination"
John Smith is a long time F.O.B. (Friend Of the Bunches) who shared some interesting info with me. Did you know there is a proposed Children's Hospital to be built by Cabell Huntington Hospital? Wow! How great would that be? Currently, area families are forced to travel to other cities for special pediatric care. John has compiled a series of short stories called Beyond Imagination. John is making a contribution to the hospital project from the sale of each book. It's only $14 (including shipping) and would make a very special Christmas gift for a loved one. Don't forget to get one for yourself.
More to come...

11/4/2008 - Pricing Your Home Correctly This Autumn
I won't bore you with all of the talk about this challenging market. It stands to reason that if you need to sell your home this autumn, pricing is more important than ever. If you're considering more than one REALTOR, be sure each one brings a Comparative Market Analysis. Those "CMAs" should give you a better idea of what similar homes around you have been selling for and how homes currently on the market compare to yours. However, you should always hire the agent to represent you based upon their marketing plan and not the agent who comes in with the highest asking price for your house. Next, have your timeline in order which means how quickly do you need to sell? A lower price should help your home move quickly. Finally, be open to adjusting your price. If you're priced too high, you'll know...soon. After 30 days of only a few showings (and no offers), it's time to get together with your agent and revisit your asking price.
More to come...

10/31/2008 - Selling Your Home Means Using An Agent Who Uses Realtor.com
When it comes to browsing homes online, homebuyers have so many options I don't have time to list them here. The most popular site in the world is www.Realtor.com Recently, the site received a makeover with more user-friendly features and more neighborhood data. If you are a homeseller looking for the best possible price for your home within a time frame that meets your needs, be sure you work with a Realtor who has the "Showcase Homes" package on Realtor.com. When your home is a "Showcase Home", is separated from other homes with colorful banners, up to 25 photos of the property, a descriptive paragraph, and more.
More to come...

10/30/2008 - Looking For A Loan?
There are a lot of misconceptions about FHA loans because the requirements have changed. Not too long ago, sellers were required to scrape any old window paint and repaint the frames (among other minor repairs). That's changed. The down payment couldn't be a gift from family. That's different. For details on how FHA loans can work for you, click http://www.realtor.org/government_affairs/fha_toolkit
More to come...

10/29/2008 - OOOOUUCH!!!
A good friend of mine from my college days, Jeff Heaney, came to town for the Marshall vs. University of Houston football game. On a real estate note, Jeff relocated to Raleigh, NC for a new job and put his former residence in West Palm Beach, Florida on the market...... TWO YEARS AGO!! That's right, he was telling me that the market is rough for homesellers. Huntington area sellers should count their blessings.
More to come...

10/19/2008 - Is Downtown Skywalk The Right Move?
John Hankins, an "old school" downtown property owner, thinks a skywalk linking the parking garage on the corner of 10th Street & 4th Avenue to the West Virginia Building. The walkway basically goes down the alley between 3rd & 4th Avenues for approximately one block. According to the Herald-Dispatch, Hankins modeled his glassed-in project after a Louisville skywalk that links hotels, restaurants and retail shops. A big difference between Huntington and Louisville's projects is that there aren't any retail or hospitality outlets to link in Hankins' skywalk. And what about the view from the glassed skywalk? In a dark alley with zero appeal? I personally don't feel that this is the item that will propel downtown's progress.
More to come...

10/13/2008 - Cell Phone Service and Internet Access Not A Given
When a seller puts their home on the market in West Virginia, a written disclosure form is NOT mandatory. However, most real estate companies understand the liability and may not list a property without a written property disclosure completed by the seller. So, companies use their own customized forms for their clients to use since there isn't a state mandated form. BUYER BEWARE: As of today, I have yet to see a written disclosure that asks about cellular phone reception or internet access. You may be surprised where cell phone service (depending on the provider) drops out. Just as important, some homes need expensive satelite equipment for dial-up speed internet service. Be sure to get an e-mail or written notice of how the seller gets their internet and who they use for cell phone service before you go to contract.
More to come...

9/15/2008 - Teays Valley Community Is Under Way
Devonshire at Teays Valley is an exciting community with upscale amenities in Scott Depot. Its less than a mile from Interstate 64 and U.S. Route 35. The 110-acre planned community will eventually include over 800 homes with a combination of condos, houses and town homes. The apartments and townhomes are being built first. Their clubhouse will feature a pool, fitness center, club room, movie theater, massage, tanning, business center, conference room and billiards parlor.
More to come...

9/2/2008 - Numbers Show Existing Home Sale Prices Rising
According to the sold statistics from the Huntington MLS, the sale prices of existing homes are rising. The average sale price of residential real estate in the 60-day period of 7/1/2008 - 8/31/2008 was $135,296. That's a 4% increase from $130,144 which was the average sale price in 7/1/2008-8/31/2008. However, the number of sales in July & August 2008 were below where they were in the same period in 2007. From 7/1/2007-8/31/2007, 264 residential sales were recorded in MLS. That number decreased by 15% to 225 from 7/1/2008-8/31/2008.
More to come...

8/12/2008 - Marshall Chair Making Immediate Impact
Let me tell you about someone who relocated to Huntington less than two years ago but has done more for the area than most do over a lifetime. Byron Clercx is the chairman of Marshall University's Department of Art & Design. I met Byron after his wife, Lynn Clercx, joined our team shortly after they moved here (Lynn is now one of our most productive agents). Yesterday, Byron was awarded a consulting agreement with the city to guide the first phase of the "Old Main Corridor" which is a plan to provide an eye-appealing project to link the Marshall campus with downtown Huntington. Included in the plan are urban improvements ranging from landscaping to a dual plaza in front of one of Huntington's best known landmarks, the Keith-Albee. Byron and Lynn have lived all over the country and we should be thankful they are sharing their talents with Huntington.
More to come...

8/10/2008 - How Strong Is The Local Market?
"How's the market?" I get asked every day or two that question. Last winter, I was like most agents in our area; I had my armor on with the response ready "Don't let the national media scare you. It's not like that here." Well, there are factors other than the nightly news slowing our market. The interest rate is, overall, good but it's much more difficult to get into a house with little or no money. Residential sales are almost 20 percent lower than they were a year ago. July was also 20% down from July 2007. The good news: if there is a For Sale sign in the yard, the homeowners probably need to sell. They are more willing to negotiate. They want to sell before their neighbors do. So, if you're browsing online and you see your perfect home, act on it. If you don't, someone else will!
More to come...

7/3/2008 - THE Movie Experience Is Still New To the Area
In 2002, the only choice for movie theaters were the same ones that existed from my childhood in the 1970's & 1980's. When they started the rollout of Pullman Square and the new Marquee Cinema complex, I couldn't believe how many people made negative comments that it didn't make sense to build the theaters because they couldn't fill the old ones, that no one would pay an extra buck for stadium seating, digital sound, blah, blah, blah. Well, the Marquee was built at Pullman Square and the movie fans have continued to show their approval by keeping the theaters full as they enjoy the digital movie experience. Almost two years ago, the dated Carmike theaters at the Huntington Mall were shut down. The good news is a 12-screen Cinemark theater will open next spring in the same location. I think it's great. With the movie technology today, I still love going to the movies for a blockbuster and I love the idea we will have another Huntington area location to soak in the true movie experience.
More to come...

6/30/2008 - Huntington Police Promotions
Today at City Hall, lieutenants Hank Dial and Mike Albers were promoted to captains within the Huntington Police Department. I've known Hank and Mike for years. Hank and I used to work together at Stewart's Original Hot Dogs in the '80's. Mike and I have known each other since we went to Meadows Elementary waaay back in the 70's. Both of these outstanding public servants will be excellent leaders to the police force and I feel they will help continue the momentum against crime within the Huntington area.
More to come...

6/20/2008 - Increase The Chances for Selling Your Home (And For More Money!)
I just read an article that 11.5 BILLION videos were viewed on the internet in March 2008 alone. Nationally, more and more stories are covering the effect of video in real estate. It's definitely the next wave in real estate. If you check http://www.youtube.com/watch?v=pOqx_sEJtGc you can see that one of our community spotlights (for Applewood, WV) has been watched almost 4,000 times in just 6 months! We recently sold a Southside home that had over 8,000 views in the four months it was on the market. Since September 2007, homes above $200,000 in the Huntington MLS have a sold rate of 53% (the other 47% have either expired or are still waiting on a buyer). Homes with videos on the web sell at a rate of over 80%. Anyone selling their home can post a video on the internet using a digital movie camera. Where can you see some great examples? http://www.prudentialbunch.com/prudential_bunch/featuredhomes.php?m1=1&m2=0
More to come...

6/19/2008 - United Way Cleaning Up Huntington
I attended a nice lunch event at the new Frankie D's Chop House in Pullman Square to support The United Way. The volunteers at The United Way will be landscaping the city's entrance from the Hal Greer exit and the area across from Baskin Robbins at the intersection of Washington Blvd. & Hal Greer Blvd.
More to come...

5/26/2008 - The Power Of Home Rule
Huntington has received the power to request to levy a one percent "occupation tax" on income. I've talked to more than one person who has commented it's just another way to drive people out of the city. Hopefully, I can clarify the situation. Huntington would repeal the much-hated "user fee" and reduce the business and occupation (B&O) tax currently in place and would start the occupation tax so the city doesn't see a loss in revenue. Huntington officials are trying to emphasize this isn't an additional tax punch but that it's just a fairer way to raise revenue. They also say the amount taxed would be roughly the same the city gets now. This occupation tax has to be approved by Huntington's city council before it's implemented. Mayor Felinton hopes to have it in place by January 2009. The occupation tax would be offset by getting rid of the current $2 weekly "service fee" the city charges today. The occupation tax is a tax on how much you earn from your profession. Before the tax can start, the city has research to do. What percentage should be charged? Will people in certain income ranges be exempt? How and when will it be collected? What it all means is the current B&O tax would be reduced, the occupation tax would kick in, it may work, it may not. We all will have to wait and see.
More to come...

5/15/2008 - HGTV online
"Designed To Sell", "House Hunters", "Curb Appeal" and other HGTV TV shows have been viewed by millions over the past few years. Well, now the cable channel has launched their online companion for you to refer to as you buy or sell a home. Frontdoor.com has current listings for you to browse, some useful data you can use to compare areas, interactive maps, and lots of video clips for ideas on selling your home for top dollar as quickly as possible. There are so many real estate sites out there, original content is almost impossible. However, frontdoor.com does have a nice library of exclusive resources you can't find anywhere else. More to come...

5/14/2008 - Getting Your House Ready To Sell?
"Spring cleaning" is a term we've all heard along the way. This annual event takes on new meaning when you're getting your home ready for the market. It advances from Lysol, Windex and organizing closets to gallons of paint, staining the deck and investing in a storage space.
More to come...

5/9/2008 - After Four Months of 2008
There were 22% fewer sales and a 5% decrease in the average sold price for homes in the Huntington area for the first four months of 2008 compared to the same period in 2007. The average price of residential sales from January 2008 April 2008 was $128,094. However, there were fewer houses sold over $450,000 and that decrease in volume is what reduced the overall average price. Aside from the fewer sales in the $450,000 and up price range, the overall average for 2008 was 1% higher than 2007. Residential property in the Barboursville, Ona, Milton and Teays Valley areas usually have the largest increase in activity. This year, they had the largest decrease (50%). Unfortunately, all areas had a decrease in number of sales. The days on market remained unchanged.
More to come...

5/8/2008 - New South Point Elementary School
South Point will be getting a new elementary school for the 2009-2010 school year. It will be built where South Point Middle School used to be. The school currently being used was built in 1959.
More to come...

4/9/2008 - Huntington Home Sales Finally Decrease
I've commented previously about the western West Virginia, southern Ohio and eastern Kentucky region covered by the Huntington MLS weathering the housing market storm very well with a 7% increase in number of residential sales in 2007 as compared in 2006. Well, we finally hit a speed bump as the number of sales in the first quarter of 2008 were down 20% from the same period in 2007. The two areas who felt the most impact were the Proctorville, Ohio area (down over 50%) and the Ona & Milton district (30% fewer home sales).
More to come...

4/8/2008 - The Huntington Area Cost of Living and Crime Rate
It seems the public gets an earful when it comes to some of our area's challenges (i.e. the crime rate, lack of cultural activities and road conditions). While it's true, we don't have an NBA team or a drug-free city, our conditions need to be compared to other markets for a clearer picture. Forbes.com ranked 200 metropolitan areas in the U.S. in their annual "Best Places for Careers and Business" list. Overall, we were ranked right in the middle at #100. Here are some very interesting ratings: for the cost of living, we were #1. That's right, numero uno! We ranked 35th for job and income growth. I feel that's also pretty darn good. Our crime rate was 65th. A note about the crime rate is that the number of arrests made by the Huntington Police Department has significantly increased in the past year. Last year, Skip Holbrook was elected as the new police chief and Skip's proactive strategies have resulted in more arrests. It's too bad some only see the rise in police arrests as a signal of more crime. But shouldn't the increase in that number also reflect the "We're not gonna take it anymore" by the police department?
More to come...

3/26/2008 - New Ona Subdivision
Breckenridge Subdivision is the latest location getting some press. Homes will start at $350,000. A unique feature will be that this will be a gated community which is rare in the Huntington area. Actually, the subdivision is off of Route 60 in Ona. Building is to begin in late August.
More to come...

3/3/2008 - Will Everybody Love Raymond's Brother's House?
When I was a DJ in Houston, I got to meet Brad Garrett. Today, most people know Brad as Ray Romano's brother on "Everybody Loves Raymond". When I hung out with Brad it was in the early 1990's and he was a touring comedian. He was a very likable guy and I'll never forget him being there during one of my Friday night shows and him telling me I was "really talented". Did I mention, how great he was? Anyway, poor Brad's 6 BDR, 8 BTH home has been on the market for over six months. The price was just reduced from $9.49 million to $8.79 million. If you need a French country estate with a six car garage, please let me know and I will be happy to refer you to an agent who can show you Brad's casa.
More to come...

2/24/2008 - West Virginia Housing Fund
The West Virginia Housing Fund has taken steps to help West Virginia residents buy a home in 2008. If you qualify, 30-year 4.99% fixed rate loans are availiable through the plan. One section of homebuyers this is designed to help is the first-time homebuyer group. The $20 million will provide more money for mortgages, to help homebuyers with closing costs and will help current homeowners avoid foreclosure.
More to come...

2/21/2008 - Lawrence County Growing
I commented on our area's encouraging home sale statistics a few entries ago. The Lawrence County, Ohio auditor released good news for residents of Chesapeake, Proctorville, South Point and the rest of the county. In 2004, $101 million of real estate sales were recorded. That number increased by roughly 9% to $110 million in sales for 2007. Buckeyes should feel confident their property hasn't felt the decline seen in other areas.
More to come...

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Pricing >Price and Condition

Pricing a house is one of the most important parts of the marketing process. You want to get as much for the property as you can, but if you set the price too high, you can turn away qualified buyers. Your real estate agent can tell you the selling price of homes comparable to yours. Pricing strategy depends on market conditions, and it is different in a buyers' market than it is in a sellers' market.

If your home is overpriced, the marketplace will reflect that to you. When a property fails to sell in a reasonable period of time, you and your real estate agent should have a frank discussion to determine whether too high a price tag is the reason. Your real estate agent will also be getting feedback from other agents who have shown your home.

Remember that price is only one factor. Consider ways you can make the property more attractive to show by handling needed repairs, improving curb appeal or making cosmetic improvements. Improve the condition of your home and you will improve its chances of selling.

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Q	What weighs 320 tons and is considered the largest single block building?
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W.G. Bunch, REALTORŽ, real estate agent and broker for Huntington, Hurricane and Ona, West Virginia home listings, property and land for sale

W.G. Bunch
Prudential Bunch Realtors
523 11th St.
Huntington, WV 25701
Direct: 304-638-7438
Fax: 888-332-7942
wgbunch@prudentialbunch.com
The Bunch family has been in Huntington area real estate for over 50 years. When my grandfather, Leland Bunch, started he said, Theres no substitute for hard work. Even with the technology we use today, his statement still rings true. Let us put our enthusiasm and energy to work for you!

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