Ginny Grove, Realtor - Century21 Forward Realty Inc., Big Rapids

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Ginny Grove, Realtor - Century21 Forward Realty Inc., Big Rapids

Purchasing or selling a home can be a daunting and confusing process. It's my job to help make that I have been working with buyers and sellers since 2010.

My goal is to help my buyer clients find the home of their dreams at the best possible price. And, for my seller clients to obtain the best sale price for their home. It's a balancing act that can be accomplished through listening to client needs and desires and then negotiating so each party to the transaction gets a "win". This process works and I love it!

02/13/2022

Ready to purchase a home? Before you think about purchasing, think about "what you want to purchase" and where you want to purchase. Before you make an offer on a home, you will need to get a pre-approval letter from a lender. And, before you go to a lender, you should know what you want to purchase. I say this because there are a variety of different loans available and NOT ALL LENDERS OFFER ALL TYPES OF LOANS! Once you have decided what and where you want to purchase, you can begin the process of finding a lender that offers what you need. That being said, today's post is designed to "test your knowledge". Here are some true and false questions about some of the most common loan types. Post your answers and ask your questions. I'm not a lender so if I can't answer your question, I'll direct you to someone who can!

"EDUCATE YOURSELF" - Post #2 (True or False)
1. You need at least a 20% down payment to purchase using a conventional loan.
2. To qualify for an "RD" loan (Rural Development), the house itself must meet certain requirements.
3. Purchase Money Mortgages and Land Contracts are both types of Seller Financing arrangements.
4. All first-time home buyers qualify for MSHDA (Michigan State Housing Development Authority) loans.
5. Most lenders offer manufactured home loans.
6. The traditional FHA loan is one of the most common loan types and requires only 3.5% down payment.

If you missed last week's post, you can find it on my business page. And, as always, whether buying or selling, please message me with your questions.

02/06/2022

Last fall I did a mini series of posts entitled "It's Not Just About the House". Now, in preparation of the spring home buying/selling season, I'll be doing a mini series called "EDUCATE YOURSELF" to help educate home buyers and sellers with some of the terms in a real estate contract, loan types and some of the language found in a loan application. I'll do my best to present this information in a fun way with a series of "true and false" questions, crossword puzzels, terms matching and whatever else I think up along the way! I may even offer some prizes for the first correct answer! So pass my posts along to your friends! I'm hoping we can all learn a little and still have fun!.

"EDUCATE YOURSELF" - Post #1
Pictured is a sample partial document of one of the most important (in my opinion) pieces of paper that will be found in your loan documents. And, although buyer's don't see it until they reach the closing table, they can actually make one of their own prior to purchase...it's an eye-opening document filled with really important information and it's not nearly as scary if understood...who can tell me what this is and how it works?

01/19/2022

There's a new investor in town! Among December's sales was the sale of this two-unit rental to a new investor client! My clients are excited to become part of the Big Rapids community from an investment standpoint. They hope to provide affordable, quality housing and are currently looking for their next purchase.

12/06/2021

Don't miss the Dec. 16th night shop at the Painted Turtle!

11/24/2021

CONGRATULATIONS ON YOUR FIRST HOME! - I love working with first-time home buyers and Sara was fun to work with. She wanted to know everything about the purchasing process from identifying the home that was right for her to understanding the terms of a Purchase Agreement and of a mortgage agreement. I got to teach...and I love to teach! I gave her "homework" assignments and she willingly completed each one! Now, I don't have to give homework to work with a buyer but I do think it's important that a buyer understands what they are doing. So, if you are thinking of purchasing a home and you want someone who will take the time to explain the process, please contact me.

Congratulations Sara and thank you so much for allowing me to be part of your "first home" purchasing experience!

11/08/2021

IT'S NOT JUST ABOUT THE HOUSE! This post will be the last of my mini series of posts entitled "IT'S NOT JUST ABOUT THE HOUSE!" Before moving to Big Rapids I had no idea of the far reaching effects of Ferris State University on our community. And, as a Ferris graduate, I am so pleased to learn of so many community projects. Did you know that the Band Shell which is host to the summer series of concerts and is located along the Riverwalk was designed in-part by Ferris Students? Did you know that Ferris State is a big contributor to the Festival of the Arts...a month long celebration of everything artistic. And, did you know that Ferris State Athletic Department was instrumental in the design and the creation of the Riverwalk itself? Did you know that the Pavilion in Mitchell Creek Park was a three semester long welding project worked on by many Ferris State welding students who donated their time to benefit our community? So, many of the topics I've covered in this little mini series...the beauty of our parks...the culture of our community, tie directly back to Ferris State and the Ferris students. Ferris State incorporates "community service" into their educational programs and those services benefit us directly! The list of activities where students are involved is too long to recreate here but I do want to mention a few. I've seen Ferris students in our schools. I've worked with a few at Angels of Action. They volunteer their time to Relay for Life, Big Brothers/Big Sisters, Make a Wish Foundation and United Way. So, much of the pride, culture, and beauty that draw people to our community is due to FERRIS STATE! IT'S NOT JUST ABOUT THE HOUSE! A Big Thank You to Ferris instructors, students, administrators, donors, committee members who work so closely with other Big Rapids businesses and organizations for without your contributions, our community wouldn't be what it is today.

This wraps up my mini series. Watch for a new series right after the first of the new year! And, as always, If you know of someone interested in moving to our community, please send them in my direction.

10/29/2021

IT'S NOT JUST ABOUT THE HOUSE! People move for a variety of reasons and when they have a choice they select a place that fits with their interests. Last week in this little mini series of posts, "IT'S NOT JUST ABOUT THE HOUSE" we explored the Culture and Pride of our community. Today, continuing with the topic of "Culture", I'd like to recognize a few organizations and cultural events I've attended in the past and some coming in the near future. For those interested in art, painting, pottery, basket weaving and photography, you must check out The Artworks in downtown Big Rapids. In addition to the Painted Turtle gift shop, the Artworks offers classes and workshops in all areas just mentioned. For those looking for entertainment rather than a "hands-on" experience, check out Ferris States theatre and music deparments for musicals, plays and concerts. (Ferris State's fall musical, "We Will Rock You" begins on November 7th and their Fall Jazz Concert is November 10th.) Another favorite, visit the web site for Stage-M and go to tubabach.org for concerts performed by some of the best musicians in Michigan. Who would have known that such a small community had so much to offer! So, IT'S NOT JUST ABOUT THE HOUSE! Cultural events draw people to a community. And how better to experience that culture without the traffic jams and long commutes of big cities....the answer, Big Rapids!

I have one more topic to cover in this little mini series. Next week I'll take a look at Ferris State and what I think the University means to our community.

If you have missed any postings and would like to get caught up, please visit my page. If you learned of some new event from this post, please let me know. And, as always, if you know of someone thinking of moving to our area, please send them in my direction.

10/21/2021

For the past couple of weeks I've been posting a mini series of posts called "IT'S NOT JUST ABOUT THE HOUSE". First I explored the Big Rapids school system and last week's topic was "Pure Michigan" featuring our numerous Parks and outdoor activities. Today I'd like to look at our beautiful City. Never in my life have I enjoyed walking around a city as much as I enjoy Big Rapids. Our city represents Culture and Pride! We have the most beautifully manicured flower beds, brilliantly painted murals, and captivating sculptures! So, IT'S NOT JUST ABOUT THE HOUSE, it's also about the community...the people who live and work here everyday...how they help to maintain our community...how they interact with each other...how they dedicate their time and talents. A big "Thank You" to all those who serve Big Rapids! The house is important but in my opinion, "Community Pride" is right up there!

Thinking of moving to Big Rapids? Please contact me. I'd love to help you find just the right house and share with you all the reasons I chose Big Rapids!

10/11/2021

IT’S NOT JUST ABOUT THE HOUSE! Why do people choose to move to Big Rapids? Last week’s post suggested our school system may be one reason. But it’s not the only reason. Perhaps one is the opportunity to experience what “Pure Michigan” has to offer. Whether it be a tubing trip down the river, our miles of trails for walking and biking, or our numerous sites for camping and fishing or just spending an afternoon with your children enjoying a picnic lunch at one of the many parks, Big Rapids has a little something for everyone. I want to express my thanks to all those individuals who help to plan and maintain all of our community parks and recreation areas. Big Rapids is, in my opinion, one of the most beautiful cities in Michigan. It’s one of the reasons I moved here and I’m sure I’m not alone! If you are thinking of moving to Big Rapids and would like more information about our community, please contact me.

10/02/2021

Homes sell on first impressions! Buyers make a decision as to whether or not they wish to purchase within the first few seconds of entering a home. So, Sellers', holiday and seasonal decorations most definately help with that first impression! Don't forget to tastefully decorate!

Thinking of selling? Please contact me. I have lots of suggestions to create that favorable first impression!

09/30/2021

IT'S NOT ALWAYS JUST ABOUT THE HOUSE! Why to people choose to move to Big Rapids? It just may have something to do with our "Blue Ribbon" High School. Originally from a small town myself, I am so impressed with the opportunities available for Big Rapids students! Take a walk around the grounds of the high school and you'll fell like you're on a small college campus! If you are a sports lover, Big Rapids does not disappoint! The new football field, tennis courts, soccer field and baseball diamonds are impressive! Academics are top notch with so many offerings for individual development...Rotary, Science and Robotics clubs to name just a few. Let's not leave out the arts...music, arts and drama opportunities galore! And, I have never seen a small community offer Equestrian club, but it's here in Big Rapids. So, the house isn't everything...maybe...just maybe...the educational opportunities for your children are just as important!

If you are thinking of moving to the Big Rapids area, please message me. I will be happy to discuss what Big Rapids has to offer and to help you find just the right home!

Address

119 Linden
Big Rapids, MI
49307

Telephone

+12316792549

Website

http://www.ginnygrove.com/

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