Help
  • Why Choose Berkshire Hathaway as an agent.

  • If interested in being an agent with us & you want to set up a confidential appointment or want more information, click below:

    I'd like to be an agent in the best company and want to learn more.

  • Sellers: See what is your home is worth

  • Sign up for Monthly email showing listings/sales near your home

  • Selling Q&A

    • What are the advantages of owning a home?

      There are many. Among the most appealing: you own it, which gives you, instead of a landlord, control of your living space. Other benefits stem from potential tax savings and the build up of equity as your property likely appreciates in price over time. Equity can be used to help put children through college, purchase a second home, or make home improvements.

      The mortgage interest paid on a home loan is tax deductible, as is the local property tax. If you get a fixed-rate home mortgage loan, you also can invest more wisely knowing your monthly mortgage payment, unlike rent, will not change substantially.



    • What is the first step to buying a home?

      Make sure you are ready - psychologically and financially. Ask yourself the following questions: Do I have steady income? Is my debt lower than my total income? Do I have enough money to pay for the down payment and closing costs? Am I working hard enough to improve bad credit?

      A house needs constant care and attention. Also ask yourself if your budget will allow for unexpected repairs and upkeep. Once you can honestly answer "yes" to these questions, you are several steps ahead of the game and that much closer to becoming a homeowner.



    • How much can I afford?

      The general rule of thumb is that you can buy a home that costs about two-and-one-half times your annual salary. A good REALTOR® or lender can determine how much you can afford and estimate the maximum monthly payment based on the loan amount, taxes, insurance and other expenses.



    • Is it best to save for the ultimate dream home or begin with a less expensive starter home?

      It can take a long time to save for that perfect dream home. Meanwhile, the market has been flooded with some of the most favorable mortgage interest rates in years. Low rates make housing more affordable, which is why so many buyers have jumped on the home buying bandwagon.

      Home-price appreciation has also been strong, making very solid gains in communities across the country. In fact, home prices are expected to increase 2.5 percent to 3 percent annually over the next five years.

      If you purchase a starter home today, you can potentially begin to build value that can lead to the purchase of a larger, or more desirable, trade-up home in the future.



    • How do you decide whether to add on to an existing home or purchase a new one?

      There are a few things to consider, including cost, individual needs, and what will add value down the road. Also important: your emotional attachment to the existing home. As designer and builder Philip S. Wenz, the author of Adding to a House: Planning, Design & Construction, notes, an addition is much cheaper than building a new home and can offer a "new" home without the heartache of moving.

      Other considerations:

      • Can you finance the home improvement with your own cash or will you need a loan?
      • How much equity is in the property? A fair amount will make it that much easier to get a loan for home improvements.
      • Is it feasible to expand the current space for an addition?
      • What is permissible under local zoning and building laws? Despite your deep yearning for a new sunroom or garage, you will need to know if your town or city will allow such improvements.
      • Are there affordable properties for sale that would satisfy your changing housing needs?
      Explore your options. Make sure your decision is one you can live with - either under the same roof or under a different one.

  • Monthly Help Videos

  • Monthly Home Ownership Tips

    • Is it true you never really stop fixing up a home?

      From the day you move in to the day you sell your home, there will always be something that will need to be repaired or remodeled. You may want to undertake some changes simply to elevate your comfort level - like installing central air conditioning - or spruce up the home's aesthetics, such as adding a few stained-glass windows.

      But other work will need to be done to maintain the property and minimize problems later on. For example, replacing a hazardous roof, fixing broken windows, and repairing leaky pipes. These are all necessities. Left undone, they can lead to major problems and damages within the home.

      If you decide one day to sell, other improvements will likely be made to increase the home's value and appeal to potential buyers.



    • Is there anything I should pay special attention to?

      From the very beginning, get in the habit of taking an inventory at least once every year of every nook and cranny of your home to check for potential problems. Examine the roof, foundation, plumbing, electrical wiring - basically everything. Try to fix trouble spots as soon as you uncover them. This proactive approach will help you avoid larger expenses later on, so leave no stone unturned when taking your inventory.



    • What about the unseen problems like toxic gases?

      Problems with your chimney, mechanical devices on your heating appliance, and pressure within the home can all cause combustion spillage, the unwanted flow of combustion gases into your home. Present in these gases are toxic elements such as carbon monoxide, sulfur dioxide, and nitrogen oxides.

      The best way to prevent spillage is to hire a professional - preferably one who specializes in building inspection, indoor air quality, ducting, chimneys and heating equipment - to do a yearly maintenance check of all your combustion appliances. These appliances include a gas-fired furnace, boiler, or water heater, an oil-fired furnace, boiler, or water heater, and a fireplace.The service professional can check for heat exchanger leakage, evidence of start up spillage, and condensation in the chimney. Maintenance normally includes a tune-up, or in the case of a chimney, clearing it of debris and fixing cracks on the inside wall.



    • How much, on average, can I expect to spend on maintenance?

      Expect to spend one percent of the purchase price of your home every year to handle a myriad of tasks, including painting, tree trimming, repairing gutters, caulking windows, and routine system repairs and maintenance.An older home will usually require more maintenance, although a lot will depend on how well it has been maintained over the years.

      Tell yourself that the upkeep of your home is mandatory, and budget accordingly. Otherwise, your home's value will suffer if you allow it to fall into a state of disrepair. Remember, there is usually a direct link between a property's condition and its market value: The better its condition, the more a buyer will likely pay for it down the road.

      Also, adopt the attitude that the cost of good home maintenance is usually minor compared to what it will cost to remedy a situation that you allowed to get out of hand. For example, unclogging and sealing gutters may cost a few hundred dollars. But repairing damage to a corner of your home where gutters have leaked can potentially cost several thousands dollars.



    • What are the main reasons why homeowners remodel?

      There are many reasons. Home remodeling can improve the appearance of your home, enhance its value, add to your quality of life, and appeal to future homebuyers. According to a recent survey by the National Association of Home Builders, the top four reasons homeowners remodel is to obtain more space, avoid buying a new home, enjoy more amenities, and adjust to lifestyle changes.



  • Want a Market Analysis on your home: Request more Information

  • Glossary of Terms

    • Acceleration clause

      Stipulation in a mortgage agreement that allows the lender to demand immediate payment of the entire loan balance if any scheduled payment is missed.

    • Adjustable rate mortgage (ARM)

      Mortgage loan on which the interest rate falls and rises with changes in prevailing rates. The mortgage rate is tied to a selected index and may be adjusted annually. Also called a variable rate mortgage.

    • Agent

      Person authorized to act by and on behalf of another.

    • Air rights

      Right to occupy and use the open space above a parcel of land or property, such as in the leasing of air space over existing buildings or highways.

    • Amortize

      Pay a debt in monthly or other periodic installments until the total amount, along with the interest, if any, is paid.

  • Daily Consumer News

    • What to Buy in January

      Looking to hit the stores for some big ticket items? RetailMeNot shopping expert Sara Skirboll, says, "Some shoppers may be feeling guilt or fatigue from their holiday shopping sprees, but think twice about not shopping because the deals might be worth braving the mall. January brings many opportunities to save on items that will help with New Year's resolutions, whether they are about getting fit or organizing your life."

      Below are Skirboll's top insights:

      Revise Your Workout Routine. It's that time of year to think about your lifestyle habits and commit to a healthier you in 2019. January is the best time to sign up for a gym or studio membership because many chains will be offering special rates. Fitness centers may give incentives like waived enrollment fees, free months or unlimited classes, but make sure to read the fine print so you don't get locked into long-term contracts that are hard to get out of. For those who prefer to burn calories at home, no sweat: This month offers plenty of savings on at-home exercise equipment.

      Redo Your Dwelling. For homeowners looking to sell or renovate their place in the coming year, now is a great time to get a jump on any renovations that need to be done. Retailers will be marking down certain home renovating essentials to help owners prepare for house-selling season in the spring.

      Revamp Your Rooms. If you just want to spruce up your space, you're in luck. Furniture manufacturers will be releasing new designs and models in February, so items like couches, loveseats, and recliners will be at their lowest price points of the year this month. Pro tip: Have measurements handy and bring a tape measure so you avoid making any "final sale" mistakes!

      Restock Your Decor. It should be no surprise that holiday decor is at its lowest price point in January. With the Super Bowl and Valentine's Day hot on the heels of holiday, retailers are motivated to discount past seasonal inventory. Before packing up last year's ornaments and garland, think about what you could do differently next season. Write down what you have so you don't buy multiples of things you already own.

      Refresh Your Linen Closet. The annual "white sale" has always been a popular seasonal staple that comes with the start of a new year. While the shopping event has evolved over time, shoppers can always count on January to bring savings on all manner of linens. Holiday houseguests may have come and gone, but another round is sure to follow. Get ready for them by

      Source: RetailMeNot, Inc.

      Published with permission from RISMedia.



    • Booking Travel? 4 Tips to Put the Brakes on Poor Customer Service

      Are you planning your dream vacation? Nothing puts a damper on travel planning like shoddy customer service from airlines, hotels or travel agencies. Here are four easy tips to help you get more convenient and personalized travel support, courtesy of Genesys®.

      Decide on your preferences. Contacting travel agencies isn't limited to a phone call. You can also get the human touch by making use of digital communication methods like texting and web chat. Explore your options and decide what you prefer, but always remain open to the ever-evolving avenues of communication.

      Embrace the revolution. Save time and energy by taking advantage of recent strides in artificial intelligence (AI). If you need help modifying your flight time or arranging a shuttle, try messaging with a chatbot to access efficient support. Chatbots are smarter and more capable than ever to help you quickly compare prices, locate hotels and identify local activities.

      Skip the hold option. Waiting on hold is the number one irritant for customers, so avoid it if possible. If you decide to access customer service over the telephone, ask for a return call if immediate assistance is unavailable. More and more businesses are offering a 'callback' option – so take it! Enjoy the flexibility of evolving support features and use that time to pack your bags, instead of impatiently counting the minutes you've been holding the phone to your ear.

      Humanize customer service agents. Travel agents help coordinate trips for hundreds of anxious travelers day-in and day-out. Call them by their name and have patience. They'd probably love to switch places and take your vacation, instead of just assisting with yours. Do what you can to make the experience happier for both you and the agent.

      Many of us travel to relieve stress, so planning a trip shouldn't induce it. Following these tips will help resolve your support issues and pave the way for a peaceful vacation. Happy travels!Source: Genesys®

      Published with permission from RISMedia.



    • Tips for Avoiding Scams

      Unfortunately, scammers continue to get more creative in their attempts to trick the general public into relinquishing funds and personal information for nefarious purposes. Here are some important best practices from the Better Business Bureau (BBB) to help protect yourself next time you connect with an unknown caller, or come across a suspicious link online:

      Try to only answer the phone when you know who is calling. Our curiosity is piqued by those unknown phone numbers, and many times, they look just familiar enough, but don’t answer your phone unless you know who it is, says the BBB. Today’s scammers are very convincing once you do pick up, pretending to be anyone from your grandchild to a bill collector from your utility company, but think about this: anyone who genuinely needs to reach you (like a family member or someone to whom you actually owe money!) will leave a message.

      Don’t provide personal information without asking why. In today’s digital environment, we tend to give away our personal information online with ease. But always question if a site really needs your contact information, credit card information, or Social Security Number. In fact, before entering any information at all, make sure the site has ‘https’ in its URL, which signifies that it is secure.   

      Don’t send payments via wire transfer or prepaid gift cards. The bottom line is, no legitimate business only accepts these payment methods, so when this request is made, you can be pretty confident it’s a scam. Wire transfers and prepaid gift cards are the quickest and most untraceable ways to send money, according to the BBB. If you can’t pay by credit card, which has the most buyer security since you can dispute charges, something’s fishy.

      Don’t click, download or open anything that comes from an anonymous sender. This is most definitely the work of a scammer attempting to gather mass quantities of personal information or install malware on your computer. Always be wary of such unsolicited messages that don't contain your name or other personalizing information and simply delete.

      If you’re afraid you’ll miss out on something by being too cautious, don’t be. Legitimate companies are well aware of the above scam tactics and more and, therefore, practice safe online and telecommunication practices. You won’t be asked to do any of the above or be contacted in suspicious ways by businesses seeking to do you no harm.

      Published with permission from RISMedia.



    • Break Away for a Spring Travel Adventure

      (Family Features)--Spring is the perfect time of year to break away from everyday life for a journey to a new destination. Across the country, the climate tends to be moderate, so you can take in a wide range of activities for a fun-filled getaway.

      One challenge of planning a trip is finding things to do that appeal to everyone's interests and packing it all into a limited amount of time. Get started planning your trip for this spring with these activity ideas.

      Learn something new. Museums are a great place to learn more about your favorite topics, see memorabilia and share your passion with your traveling companions. Look for a destination with museums dedicated to a wide range of interests, like the broadcast industry or the path toward freedom in America, for example.

      Get immersed in nature. One of the best ways to appreciate the local flora and fauna is inserting yourself right into the middle of it. For example, at Caddo Lake State Park in Karnack, Texas, you can paddle waterways dotted with bald cypress trees draped in Spanish moss that tower over the lake's maze of bayous, sloughs and ponds. While visiting the park you can also stay in a historic cabin, try your luck fishing, hike, picnic, camp and even experience an adventure within an adventure when you look for a geocache.

      Get up close with animals. Zoos across the country may have one thing in common (the animals, of course), but each offers its own special touches that make learning about and interacting with animals a fresh experience. From petting areas to drive-through safaris that put you right in the middle of the animal kingdom, there are plenty of ways to satisfy the animal lover among your group.  

      Travel through history. If there's a history buff in your travel party, a destination like the Texas State Railroad takes visitors back in time by allowing them to ride a refurbished train car through a round-trip, four-hour, 25-mile rail journey through the Piney Woods of East Texas. Vintage steam and diesel locomotives take passengers on a trip featuring historic narration, comfortable seating, and food and adult beverage services.

      Source: Texas Tourism Board

      Published with permission from RISMedia.



    • Make Your Yard a Healthy Place to Relax and Entertain

      Are you looking to make your home a happier, healthier, more efficient, environmentally-friendly and/or more comfortable place to live? You may want to look to your yard. To help, healthyyards.org - organized by a team of professional gardeners in southeastern New York - suggests numerous ways to boost the health of your yard, for you, and everyone who visits:

      Mosquito management. Rather than spraying the yard with insecticide that will destroy mosquito larvae along with beneficial insects, consider a deterrent. Fans are very effective for outdoor seating areas. Since mosquitoes reproduce in tiny amounts of standing water, limit unnatural breeding areas like tires, planters, and buckets - or anywhere water can pool.

      Ticks, too! Ticks are a very concerning pest and can cause several serious illnesses, and the team at healthyyards.org say there are no fool-proof prevention strategies. If you have a small lawn, consider a cedar oil application, some other organic solution, and/or border the lawn with a gravel path to deter rodents, which carry the ticks, from entering. Remember: pesticides, both conventional and organic, also kill beneficial insects in your yard, so treat with care.

      'Leaf' them alone. Leaves provide a protective, nutrient-rich layer for plants and wildlife, shelter plant roots from excessive heat and cold, and once they decompose, they keep the soil healthy. So why spend millions of hours and gallons of fuel to blow or vacuum them? Instead, mow over fallen leaves during your final cut of the season and 'leave' beneficial mulch behind.

      Don't invite trouble. Invasive plant species have little or no relationship with wildlife and have no natural predators, so they can spread undisturbed. According to the team at healthyyards.org, invasives cause loss of biodiversity, habitat degradation and other ecological and economical disasters - and require more urgent and immediate action because of their rate of spread. Learn about the early signs of invasives where you live, and weed them out as soon as they appear.

      Published with permission from RISMedia.



  • Buyers: Ck out our featured Properties

    • 1652 S ASH CIR JAMISON, PA 1652 S ASH CIR, JAMISON, PA Single Family | Detached for sale. $449,900 
    • 512 DERSTINE AVE LANSDALE, PA 512 DERSTINE AVE, LANSDALE, PA Single Family | Semi-Detached for sale. $1,200 
    • 338 MAIN ST HARLEYSVILLE, PA 338 MAIN ST, HARLEYSVILLE, PA Single Family | Detached for sale. $395,000 
    • 1160 SCHOOL HOUSE LN QUAKERTOWN, PA 1160 SCHOOL HOUSE LN, QUAKERTOWN, PA Single Family | Semi-Detached for sale. $214,900 
    • 23 W 4TH ST POTTSTOWN, PA 23 W 4TH ST, POTTSTOWN, PA Single Family | Semi-Detached for sale. $78,500 
    • 0 HARLEYSVILLE PIKE HARLEYSVILLE, PA 0 HARLEYSVILLE PIKE, HARLEYSVILLE, PA Lot/Land for sale. $135,000 
    • 2048 MILL RD NORRISTOWN, PA 2048 MILL RD, NORRISTOWN, PA Residential Income | MultiBldgs for sale. $360,000 
    • 2898 UPPER RIDGE RD PENNSBURG, PA 2898 UPPER RIDGE RD, PENNSBURG, PA Single Family | Detached for sale. $265,000 
    • 105 BRITTANY DR CHALFONT, PA 105 BRITTANY DR, CHALFONT, PA Single Family | Detached for sale. $319,500 
    • 701 E MAIN ST LANSDALE, PA 701 E MAIN ST, LANSDALE, PA Single Family | Detached for sale. $285,000 
    • 2048 MILL RD NORRISTOWN, PA 2048 MILL RD, NORRISTOWN, PA Single Family | Detached for sale. $360,000 
    • 130 HAMPSHIRE DR CHALFONT, PA 130 HAMPSHIRE DR, CHALFONT, PA Single Family | Detached for sale. $308,500 
    • 1443 PERKIOMENVILLE RD PERKIOMENVILLE, PA 1443 PERKIOMENVILLE RD, PERKIOMENVILLE, PA Commercial for sale. $500 
    • 27 MELVINS RD TELFORD, PA 27 MELVINS RD, TELFORD, PA Single Family | Detached for sale. $259,000 
    • 205 W RELIANCE RD SOUDERTON, PA 205 W RELIANCE RD, SOUDERTON, PA Commercial for sale. $1,698 
    • 430 MAIN ST #C HARLEYSVILLE, PA 430 MAIN ST #C, HARLEYSVILLE, PA Commercial for sale. $1,000 
    • 139 W BUTLER AVE CHALFONT, PA 139 W BUTLER AVE, CHALFONT, PA Single Family | Detached for sale. $285,000 
    • 623 FAIRWAY DR TELFORD, PA 623 FAIRWAY DR, TELFORD, PA Single Family | Detached for sale. $599,000 
    • 924 PINELAND RD BIRDSBORO, PA 924 PINELAND RD, BIRDSBORO, PA Farm/Ranch | Detached for sale. $579,000 
    • 924 PINELAND RD BIRDSBORO, PA 924 PINELAND RD, BIRDSBORO, PA Lot/Land for sale. $579,000 
  • Search the Mls for Houses for sale

    Sorry! We could not find a location to match your search criteria. Please try again.
    Search Tips
    City or Township Devon, PA
    Postal Code 19333, PA
    Neighborhood Neighborhood, Devon, PA
    School District School District, County, PA
    Listing Service Area Area, PA
    Address 123 Main St, Devon, PA
    Street Main St, Devon, PA
    Listing ID #123456
  • Search for School information on a home you like

    Before you purchase a new home it is always a good idea to research the schools in the surrounding area. The quality and/or proximity of the schools surrounding your home may significantly impact its resale value.

    Select a city to view a comprehensive list of all public and private schools that are available in the area.


    Sorry! We could not find a location to match your search criteria. Please try again.
    Search Tips
    City or Township Devon, PA
  • Buying Q&A

    • What are the advantages of owning a home?

      There are many. Among the most appealing: you own it, which gives you, instead of a landlord, control of your living space. Other benefits stem from potential tax savings and the build up of equity as your property likely appreciates in price over time. Equity can be used to help put children through college, purchase a second home, or make home improvements.

      The mortgage interest paid on a home loan is tax deductible, as is the local property tax. If you get a fixed-rate home mortgage loan, you also can invest more wisely knowing your monthly mortgage payment, unlike rent, will not change substantially.



    • What is the first step to buying a home?

      Make sure you are ready - psychologically and financially. Ask yourself the following questions: Do I have steady income? Is my debt lower than my total income? Do I have enough money to pay for the down payment and closing costs? Am I working hard enough to improve bad credit?

      A house needs constant care and attention. Also ask yourself if your budget will allow for unexpected repairs and upkeep. Once you can honestly answer "yes" to these questions, you are several steps ahead of the game and that much closer to becoming a homeowner.



    • How much can I afford?

      The general rule of thumb is that you can buy a home that costs about two-and-one-half times your annual salary. A good REALTOR® or lender can determine how much you can afford and estimate the maximum monthly payment based on the loan amount, taxes, insurance and other expenses.



    • Is it best to save for the ultimate dream home or begin with a less expensive starter home?

      It can take a long time to save for that perfect dream home. Meanwhile, the market has been flooded with some of the most favorable mortgage interest rates in years. Low rates make housing more affordable, which is why so many buyers have jumped on the home buying bandwagon.

      Home-price appreciation has also been strong, making very solid gains in communities across the country. In fact, home prices are expected to increase 2.5 percent to 3 percent annually over the next five years.

      If you purchase a starter home today, you can potentially begin to build value that can lead to the purchase of a larger, or more desirable, trade-up home in the future.



    • How do you decide whether to add on to an existing home or purchase a new one?

      There are a few things to consider, including cost, individual needs, and what will add value down the road. Also important: your emotional attachment to the existing home. As designer and builder Philip S. Wenz, the author of Adding to a House: Planning, Design & Construction, notes, an addition is much cheaper than building a new home and can offer a "new" home without the heartache of moving.

      Other considerations:

      • Can you finance the home improvement with your own cash or will you need a loan?
      • How much equity is in the property? A fair amount will make it that much easier to get a loan for home improvements.
      • Is it feasible to expand the current space for an addition?
      • What is permissible under local zoning and building laws? Despite your deep yearning for a new sunroom or garage, you will need to know if your town or city will allow such improvements.
      • Are there affordable properties for sale that would satisfy your changing housing needs?
      Explore your options. Make sure your decision is one you can live with - either under the same roof or under a different one.

  • Financing Q&A

    • What is a mortgage and how does it work?

      A mortgage makes homeownership possible for most people. In the simplest terms, it is a loan that is secured by real property. The lender holds title to the home until the loan is completely repaid. If you fail to pay up, the lender has a right to take the property, sell it, and recover the money that is owed.

      The amount of a mortgage will vary greatly depending on the down payment you make to reduce the amount of money that is needed to finance the home. You may put as much money down as you like, or you can sometimes pay as little as 3 to 5% of the purchase price, or sometimes nothing at all. The more you put down, the more you reduce the amount that is financed, thereby lowering your monthly payment.

      The monthly payment consists of both principal and interest but also typically includes additional amounts to cover property taxes and insurance-specifically hazard insurance and private mortgage insurance, the latter of which is required for down payments less than 20% of the purchase price.

      Home buyers in the U.S. have access to several different types of mortgage loans.



    • How do I qualify for a home loan?

      Top 5 Members have information on lender loan requirements and will be able to calculate a rough monthly figure you can afford based on the maximum monthly payment for the loan, taxes, insurance, and any type of maintenance fees. This pre-purchase evaluation by the agent can save you a lot of time spent looking at properties you cannot afford.

      Lenders also routinely calculate what you can afford and can pre-qualify you for a loan even before you begin your home search. This way, you know exactly how much you can afford to buy.

      Lenders generally stipulate that you spend no more than 28% of your gross monthly income on a mortgage payment or 36% on total debts.

      Ultimately, the price you can afford to pay for a home will also depend on other factors besides your gross income and outstanding debts. They include the amount of cash you have available for the down payment, your credit history, current interest rates, closing costs and cash reserves required by the lender, and the type of mortgage you select.



    • What's the best way to choose a home loan?

      A lot will depend on the length of time you plan to live in the home, other financial obligations, and potential savings gained from comparing the monthly costs of a home against the upfront costs and closing costs involved with a particular loan.

      Also, you will need to be comfortable with whatever choice you decide to make. Trust your instincts and do not be pressured into signing for a loan that will not really work for you.



    • Where can I get a mortgage?

      You can get a home loan from several different sources-a credit union, commercial bank, mortgage company, finance company, government agency, thrift (which includes savings banks and savings & loan associations), mortgage broker, and even the seller.

      Note, however, that most lenders have tightened their credit standards in light of increasing foreclosures and higher delinquency rates. Begin your search by calling at least half a dozen lenders to inquire about the types of financing available, current rates on each loan type, loan origination fees and number of points, other loan features and their credit requirements for borrowers.

      Once you actually apply for a mortgage, the lender will pull a recent copy of your credit report. That inquiry and any and all others are recorded and become a part of your credit file. Normally, several inquiries during a short period are viewed negatively, as a sign you are trying to open several new accounts. Such a move lowers your credit scores; and lower credit scores mean you will be offered a higher mortgage interest rate.

      However, there is a caveat. Credit scoring software generally detect that you are shopping for a single mortgage, if you shop within a short, 30-day window. So multiple inquires pulled roughly within this time frame will only count as one inquiry and should not affect your FICO or credit score.

      Checking your own score also will not lower your credit score.



    • What does a mortgage broker do?

      Much like a stockbroker helps you buy stocks, a mortgage broker can help you purchase a home loan. Because the broker has access to many lenders, you will be able to select from a wide variety of loan types and terms that fit your specific needs.

      Note, however, that brokers are not obligated to find the best deal for you. Of course, if you agree in writing to have one act as your agent, that is an entirely different story. This is why it is important when looking for a broker to contact more than one, just as you would any other lender.

      Compare their fees and ask questions, particularly about how they will be paid. Sometimes their fees appear as points paid at closing or the compensation is factored into the interest rate, or both. In any event, haggle with the broker and the lender for the best deal.

      Real estate agents normally maintain contact with several brokers. Ask your Top 5 Member for recommendations.



  • Home Matters Articles

    • Interior Design 2019: Go Bold or Go Home

      If you’re like many, January has kicked off with a flurry of diet and exercise. But why make all those New Year’s resolutions about you? Commit to giving your home a makeover for 2019, too, by trying out one or two of these interior design looks from the annual 100 Pinterest Trends. Here are just five of the styles highlighted on the Guest of a Guest blog that will instantly add a fashion-forward flare to your living space.

      1. Think Yellow. Mustard yellow, to be exact. If you’re a fan, paint an entire room in this deep golden hue, otherwise, incorporate the trend here and there with pillows, ceramics, or linens.
      2. Plant walls. You may be noticing these vertical green spaces in your favorite trendy restaurants or coffee shops, but now you can bring the look right into your home. Use real or artificial greens in one section of a room to create a plant wall that stretches from floor to ceiling. You’ll instantly bring the outdoors in and give any room in your house a fresh and vibrant feel.
      3. Textile art. Think macramé wall hangings reminiscent of your favorite ‘70s scene, or woven wall coverings. The look adds a warm, Bohemian vibe to your living space, and blends well with just about any of your existing décor.
      4. Painted geometric wall collage. Pick up some painter’s tape and a few cans of paint, and spend an afternoon turning a wall into a design statement. Pick your favorite shape—triangles, rectangles, hexagons, you name it—and use different shades of one color or contrasting colors to make a soft or psychedelic statement.
      5. Wallpaper. From textured finishes to dramatic patterns, wallpaper has made a comeback. Use it to show your personality on one wall or an entire room. The look you create can run the gamut from soft to sophisticated to funky to elegant. 
      Having fun with these design trends can add style to your home without embarking on a major overhaul. And when you’re ready to change things up, you can do so with ease.

      Published with permission from RISMedia.



    • As Winter Takes Hold, Here's How to Keep Household Expenses in Check

      The chill of the winter season has settled in for most parts of the country, and many homeowners will see the unfortunate consequences in their energy bills. Here are some strategies from energy experts for keeping you warm and safe through the winter months, as well as keeping your household budget in line:

      • Start by lowering your thermostat to 68 degrees. It might be a little chillier than you like, but compensate by lighting a fire, adding an extra blanket and throwing on another layer. The difference of just one or two degrees in your thermostat setting makes a significant difference in your heating bill, says Dominion Energy.
      • Seal any air leaks. Chilly air finds its way into your home and warm air leaks out in a variety of obvious and unexpected places, such as entrances, pull-down attic stairs, light fixtures, pipes and outlets.
      • Ditto for duct work. Make sure all duct work is sealed at joints and intersections with duct sealer or silicone caulk. Ducts can be sealed using foil-backed tape or silicon caulking, recommends Dominion.
      • Make sure furnace filters are changed monthly. Optimal functioning of your furnace is critical for an efficiently heated home. It’s also the No. 1 reason for furnace breakdowns, so have your heating and cooling equipment inspected and professionally cleaned annually, or as often as the manufacturer recommends. Make sure all heating ducts are also inspected, recommends AAA. And, if you need a new furnace, you may be entitled to federal tax credits to help cover the cost.
      • Weather-strip all doors, windows and attic entryways. Take a close look at your windows and doors. If you see daylight streaming through, that means they’re in need of sealing with caulk or weather stripping. According to AAA, air leaks around doors and windows can waste as much as 30 percent of your energy use. Use door draft stoppers, weather stripping or even rolled-up towels to seal leaks. 
      • Insulate hot water pipes. Doing so can warm your water by two to four degrees and lower your heating bills, according to the U.S. Department of Energy. Such insulation is usually available in pre-slit foam pieces so it’s easy and convenient to install. This will also help pipes from freezing and bursting, helping to stave off an expensive and dangerous emergency situation.
      If you’re having trouble making ends meet, talk to your energy provider about what assistance may be available, says Dominion. There are usually programs in place to help get you and your family safely through a rough patch.

      Published with permission from RISMedia.



    • Keep Your Flooring on Trend This Year

      One of the most important design elements for the home is happening right under your feet. Our choice for flooring has a critical impact on the entire look and feel of every room in the house. From styleblueprint.com, here are some of the top trends in flooring for the year ahead.

      • Lighter hardwoods. Wood flooring will never go out of style, but according to designers, this year, lighter-toned hardwoods with smooth, matte finishes will be more popular choices; 4 - 5-inch widths are also on trend.
      • Natural finishes. Natural finishes for wood floors are also rising in popularity over stained wood floors. To achieve the natural look, the wood is oxidized with minerals that react with tannins in the wood to create color. 
      • Gray wood. Our love affair with gray continues, as gray wood flooring gains popularity. Shades of gray run the gamut, from light to driftwood to darker rustic hues.
      • Hardwood in bathrooms. Many homeowners are also opting for hardwood floors in bathrooms, especially distressed or antique looks that add a unique warmth. If opting for hardwood in the bathroom, it’s a good idea to finish floor areas where puddles may form—such as around the tub—with tile.
      • Darker carpeting. New trends in wood flooring blend well with the latest looks in carpeting. This year, dark colors will be popular in carpets, such as black and charcoal, as well as jewel tones. These rich colors play well against warm woods when used for stair runners or area rugs in bedrooms and living spaces. Low-profile, patterned carpets will gain favor over thicker, shag varieties.

      Published with permission from RISMedia.



    • Report: Remodeling Homeowners Finding Joy in DIY

      Whether it’s because they’re young and tight on cash or love the sense of accomplishment, the majority of homeowners are taking remodeling projects into their own hands, according to a recent report from the National Association of REALTORS®.

      The 2019 “Remodeling Impact Report: DIY” reveals that homeowners who want to add a personal touch to their homes are opting to do it themselves over hiring a professional, especially millennials. Respondents reported a “Joy Score” of 9.9 for projects they completed themselves compared to a score of 9.6 for those completed by a professional. Understandably, 97 percent of DIYers enjoyed a sense of accomplishment upon completing their project, compared to just 93 percent of those who enlisted the help of a professional.

      Why are DIYers embarking on remodeling projects in the first place? The reasons broke down as follows:

      - Increase functionality and/or livability of their home: 35 percent
      - Increase the home’s beauty and aesthetics: 19 percent
      - Adding durable and long-lasting materials and appliances: 15 percent and 18 percent

      Interestingly, projects that were designed to add personality to a home were twice as popular among DIYers than among those hiring a professional (10 percent and 5 percent, respectively).

      Not surprisingly, the choice to DIY was greater among the younger generations: nearly three-fourths of Gen Y and millennial consumers (73 percent), over half of Gen X (51 percent) and 50 percent of younger boomers choose to DIY home projects, while 70 percent of the silent generation indicated that they hired a professional to complete their project.

      Published with permission from RISMedia.



    • Survey: Entertainment Drives Our Technology Purchases

      What’s trending among consumers in the smart home technology arena? Speech recognition and entertainment options, for starters.

      Research provider Toluna recently surveyed consumers in advance of this month’s 2019 Consumer Electronics Show (CES) to help determine the tech-influenced trends that will matter most in the year ahead. Here are some of the most interesting findings from the study:

      When it comes to the technology we’ve already adopted, the leaders are:

      • Speech recognition/voice search. This category has been adopted by the largest segment of consumers, with 24 percent of respondents saying they own this type of technology.
      • Smart home devices or Internet-of-Things (IoT) connected devices are close behind, along with wearable technology devices, both purchased by 22 percent of consumers.
      • Virtual reality (VR) and/or augmented reality (AR), facial recognition technology, smart or foldable displays and interactive devices trail behind, adopted by 10 - 14 percent of consumers.
      So, what’s the technology we’re most interested in next?
      • Smart home devices or IoT connected devices lead the pack, with 27 percent of consumers planning to purchase these products within the next six months.
      • Wearable technology devices are next, with 24 percent of consumers reporting they plan to purchase these products within the same period.
      • VR and/or AR is the third most popular category, with 22 percent of consumers planning to purchase these types of technologies in the same term.
      The trends that are influencing our technology purchases are the following:
      • Entertainment is driving most of our technology purchasing decisions: 43 percent of consumers said they plan to purchase new technologies for this purpose, followed by automating tasks (26 percent), tracking and measuring behavioral data (23 percent), sharing on social media (18 percent) and receiving more personalized ads (12 percent).
      • Sleep technology is another emerging area that’s piquing our interest: 22 percent of respondents said they would be interested in purchasing products under this category, compared to 17 percent who said sports tech, and 14 percent who said baby tech.

      Published with permission from RISMedia.



  • Office Location: 418 Main St, Harleysville

  • Find us on Facebook

  • Patricia O'Herrick

    Vice President / Associate Broker Harleysville Office

    (215) 256-6543

    (267) 718-0202

    Email Me

    AB-067879

    Patricia has been in real estate over 20 years. She has lived and work in this area her whole life. She is actively involved in her church and volunteering in her community. She has a heart for serving her clients and giving back.  Her background has always been in management and sales. She has several real estate designations, both state and nationally recognized, that give her the expertise she needs to represent her clients successfully.

    - Sellers love her dedication, marketing plans and pricing that gets their house sold.
    - Buyers appreciate both the time, energy and care that she puts into finding just the right home for them.
    - Her certified negotiation skills aide in all areas, giving her clients the most for their money.
     
    Patricia's experience and expertise is joined by her caring and fun personality. Her clients love her and continue to come to her for all their real estate needs.