Pat Leavy's Blog


Whether it’s your first or second home buying experience, financing should always be a major consideration. Buying a home is one of the most costly things, hence the need to get the best deal. House negotiations determine whether you pay thousands of dollars more or less on the real estate property. If you don’t get a reasonable deal, it might be difficult to find a financier who is willing to sponsor you.

Below are some tips to guide you through the negotiation process.

Understand the Market Trends

The biggest mistake you can make is starting your negotiations on the wrong foot. If you don’t have any knowledge about the average prices of the kind of house you want, it will be difficult to get a reasonable deal. You need to do prior

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So you've found a house that you love, you've made an offer on it, and now you're in the closing phase of the purchase. Now what? 

You're in the final stretch, but you can't let your guard down yet. Here's the ultimate guide to buying your dream home just in time for the new year.

1. Home Inspection, Appraisal, Financing

The first thing you want to check off your list before closing is taking care of all contingencies. The most common that you will face are:

  • Home inspection
  • Appraisal
  • Mortgage approval timeline

The home inspection allows you to have the place professionally inspected before you purchase the home. An appraisal compares the market value of the home to your bid for fairness. The timeline allows you to back

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You’ve spent months researching, negotiating, and inspecting a particular home; however, there is a chance that you missed some important details along the way. Purchasing a new home requires you to create a final walk-through checklist. This checklist is the last one you'll make to ensure everything is in order and no major modifications need to be made.

A final walk through checklist is so important because it verifies the information at hand prior to mortgage payments being set.

Step 1: Have a Reference to Guide Your Checklist

Before starting your final walk-through, make sure you have about 60 minutes to be thorough. You can use the following to conduct your real estate inspection:

  1. Contract of sale to use as a reference.
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There’s a lot of money and dedication that goes into buying a home. If you’re a first-time homebuyer, this can be a scary exercise. You don’t want to spend your hard-earned money on something that doesn’t excite you. You also don't want to invest in something that won't give you returns.

Buying a home requires thinking about the long-term. If you do it wrong, the decision will haunt you in the future.

To avoid the stress and complications that come with buying a home, it’s advisable to seek the counsel of a qualified real estate buyer agent. But what exactly does a real estate buyer agent do for you?

Identifies the Right Financing Option

Financing is one of the most critical areas of any home-buying process. While buying in cash might be

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Not everyone is an expert at the art of selling a home. While this is not a skill needed most of the time, a lack of market fluency will make selling your home in Petoskey or the surrounding area very complicated if you don't have a realtor.

Before you work with any real estate professional, you should do everything you can to make sure they are experienced and trustworthy.

Here are 9 questions you should ask a realtor when selling your house.

1. "How Many Clients Are You Currently Representing?"

You may think that the most popular realtor will be the best option for you. However, if they are popular, it may also mean that they have a lot of other clients at once, making it difficult to have you as their top priority.

If you know how

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Buying a home is a major decision. House hunting, mortgages, realtors, and inspections—all these sound scary to first-time homebuyers. However, if you know what to expect and look for in the process, then it does not have to be such a daunting task. This guide serves as a basis for all homebuyers from beginning the process to scoping out potential homes.

1) Check Your Credit and Decide on a Realistic Budget

If you have a low credit score, you may pay thousands of dollars more in interest than someone with a higher credit score who’s looking to buy a home in Walloon Lake MI. This is why, before you start the home buying process, you should check your credit score and decide what to do.

Make sure to use a FICO score, since that is what mostly

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Sitting on a bench in East Park, between Petoskey and Bay Harbor, one takes advantage of a very special view: Bay Harbor to the West, Petoskey to the East, and directly across the bay to the North, rests Harbor Springs.

The vista is spectacular and unobstructed aside from one’s possible disbelieving eyes. There’s never a moment when a visitor to this park isn’t snapping a picture, biking through on the Charlevoix to Mackinaw Wheelway, or simply resting and relaxing as the soft Lake Michigan westerlies caress the grasses rimming the bluff.

Today, a sailboat tacks over the teal blue bay in search of nothing other than the serenity of the momentary breeze, while white puffs of clouds carouse with each other until disappearing over the horizon.


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On the leeward side of Walloon Lake’s North Arm along Kilarney Shores Road, one can gaze across toward the treed hillsides and Jones Landing. Aside from an occasional easterly storm, these shores are usually quiet.

Pontoon boats and assorted runabouts float at the ready for an evening cruise or weekend ride, and one of those enchanting boat rides is around the point, south, where you’ll find access to Walloon Village and all the amenities it offers. You’ll also be able to navigate greater sections of the lake, west and further north.  For those who prefer an auto tour, your only a few miles from Petoskey and Walloon Village if you cut over from Resort Pike Road on Williams Road to US-131.

An added bonus to the homes along Kilarney Shores Road is the

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As you come down the hill on M-119 and past City Hall, park along the street among the stately homes and stroll into town. But don’t be surprised by what you find. There have been changes to the real estate in Harbor Springs!

The Lyric Theater looms stoically as you enter town. Open last year on July 27th, it’s gearing up to celebrate its first anniversary this summer. And while the façade speaks to a quiet renaissance, the inside is anything but stoic.

"People really enjoy our theater experience," says Scott Langton, Executive Director. "We have over 52 beverage selections, including new wines and beer, we have organic popcorn and use real butter, but best of all we have wonderful community volunteers."

Review the website often. Scott says they

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For a soft spring morning on Burt Lake, one often finds time, no, makes time to enjoy the silence of the water while paddling a kayak, and there’s no place better than Maple Bay. Only a few hundred yards from the fine trimmed lawns and blossoming gardens, an Audubon delight awaits.

Today it was a pair of mergansers swimming around a lone mallard drake. Further down among the reeds, nesting swans sat cautiously as an eagle glided overhead. A glance down from the kayak into the crystal-clear waters found a painted turtle, hovering below, and looking up as if to say, “Good Morning!” We watched each other as blue jays and flickers cajoled above the treetops of the Burt Lake waterfront homes.

The breezes swished by painting whitecaps on the ripples, then

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