<?xml version="1.0"?><rss version="2.0"><channel><title>Erie Pennsylvania Real Estate News &amp; Listings Presented By Marsha Marsh Real Estate Services</title><link>http://www.marshamarsh.com</link><description></description><lastBuildDate>Thu, 11 Mar 2010 05:24:06 GMT</lastBuildDate><item><title>5225 W 53RD STREET, Fairview Township, PA 16415</title><description><![CDATA[<img src="http://www.marshamarsh.com/property/5225-W-53RD-STREET-Fairview-Township-Pennsylvania/i/214777/0/t?pid=" title="" alt="" style="float:left; padding:3px;" /><p><span style="font-family: georgia,palatino; font-size: 14pt;">Large lot, great location! Hardwood floor exposed in bedrooms, also under carpeting. Area is quiet and close to schools. Fishing at Walnut Creek and golfing. Beautiful landscaping a plus. Must see!</span></p>]]></description><link>http://www.marshamarsh.com/property/5225-W-53RD-STREET-Fairview-Township-Pennsylvania</link><guid>http://www.marshamarsh.com/property/5225-W-53RD-STREET-Fairview-Township-Pennsylvania</guid><pubDate>Wed, 10 Mar 2010 14:01:57 GMT</pubDate></item><item><title>3620 CAMEO WAY, Millcreek, PA 16506</title><description><![CDATA[<img src="http://www.marshamarsh.com/property/3620-CAMEO-WAY-Millcreek-Pennsylvania/i/214572/0/t?pid=" title="" alt="" style="float:left; padding:3px;" /><p><span style="font-family: georgia,palatino; font-size: 14pt;">Herb Logan build in wonderful Brentwood Hills. Close to schools and shopping. Side entry garage with entry to lower level. Family room has wood burning fireplace and access to covered patio. Must see!</span></p>]]></description><link>http://www.marshamarsh.com/property/3620-CAMEO-WAY-Millcreek-Pennsylvania</link><guid>http://www.marshamarsh.com/property/3620-CAMEO-WAY-Millcreek-Pennsylvania</guid><pubDate>Tue, 09 Mar 2010 14:04:29 GMT</pubDate></item><item><title>2809 PITTSBURGH AVENUE, Erie/City, PA 16508</title><description><![CDATA[<img src="http://www.marshamarsh.com/property/2809-PITTSBURGH-AVENUE-ErieCity-Pennsylvania/i/214371/0/t?pid=" title="" alt="" style="float:left; padding:3px;" /><p>Three bedroom two full bath Cape Cod in southwest Erie. Fenced deep lot and a beautifully landscaped yard. Newly painted. New wooden blinds. Great dining room and Florida sun room. Great condition. Must see.</p>]]></description><link>http://www.marshamarsh.com/property/2809-PITTSBURGH-AVENUE-ErieCity-Pennsylvania</link><guid>http://www.marshamarsh.com/property/2809-PITTSBURGH-AVENUE-ErieCity-Pennsylvania</guid><pubDate>Mon, 08 Mar 2010 14:03:24 GMT</pubDate></item><item><title>Bar in Corry Pa</title><description><![CDATA[<img src="http://www.marshamarsh.com/property/32-E-MAIN-Corry-Pennsylvania/i/214191/0/t?pid=" title="" alt="" style="float:left; padding:3px;" /><p><span style="font-family: georgia,palatino; font-size: 14pt;">Established tavern in Corry Pa. Separate dining area. Fully equipped kitchen. Two men's and one women's restrooms. Garage and upstairs apartment. Liquor license included. Inventory sold separately as per PLCB.</span></p>]]></description><link>http://www.marshamarsh.com/property/32-E-MAIN-Corry-Pennsylvania</link><guid>http://www.marshamarsh.com/property/32-E-MAIN-Corry-Pennsylvania</guid><pubDate>Sat, 06 Mar 2010 14:06:58 GMT</pubDate></item><item><title>Marsh Madness Open House Tournament</title><description><![CDATA[<p><img title="Marsh Madness" src="http://www.marshamarsh.com/agent_files/Marsh%20Madness/MarshMadness-2010.png" alt="" width="400" height="200" /></p>
<p><span style="color: #000080;"><span style="font-size: 18pt;"><strong><span style="font-family: arial,helvetica,sans-serif;">Marsh Madness Open House Tournament starts this weekend!</span></strong></span></span></p>
<p><span style="font-size: 12pt;"><span style="font-family: arial,helvetica,sans-serif;">Sign in for a chance to win a $25 gift card (March 7, 14, 21, 28). Provide your name, e-mail and phone number at any Marsha Marsh Real Estate Services OPEN HOUSE to become eligible. On March 29, all registered OPEN HOUSE attendees are entered to win the Grand Prize of a 32&rdquo; flat screen TV* and leather reclining chair!**</span></span></p>
<p><span style="font-size: 12pt;"><span style="font-family: arial,helvetica,sans-serif;">Ask your Marsha Marsh Real Estate Services real estate agent for an OPEN HOUSE VIP pass.</span></span></p>
<p><span style="font-size: 12pt;"><span style="font-family: arial,helvetica,sans-serif;"><a title="View Open House Schedule" href="http://www.marshamarsh.idxco.com/idx/4200/featuredOpenHouses.php">Open House Schedule</a><br /></span></span></p>
<p><span style="font-size: 8pt;"><span style="font-family: arial,helvetica,sans-serif;">*32&rdquo; flat screen TV, Retail price $500<br />**Leather Lane Recliner, provided by Schultz Furniture Superstore. MSRP $899</span></span></p>]]></description><link>http://www.marshamarsh.com/Blog/Marsh-Madness-Open-House-Tournament</link><guid>http://www.marshamarsh.com/Blog/Marsh-Madness-Open-House-Tournament</guid><pubDate>Sat, 06 Mar 2010 06:39:00 GMT</pubDate></item><item><title>2519 BROOKSBORO DRIVE, Millcreek, PA 16510</title><description><![CDATA[<img src="http://www.marshamarsh.com/property/2519-BROOKSBORO-DRIVE-Millcreek-Pennsylvania/i/213892/0/t?pid=" title="" alt="" style="float:left; padding:3px;" /><p><span style="font-family: courier new,courier; font-size: 14pt;">Good SE Millcreek location. Single story living at its best. Recently remodeled kitchen with Granite. Many closets and storage. Large rooms, enclosed porch with hot tub. Huge walk out basement. Nice deck. One year home warranty.</span></p>]]></description><link>http://www.marshamarsh.com/property/2519-BROOKSBORO-DRIVE-Millcreek-Pennsylvania</link><guid>http://www.marshamarsh.com/property/2519-BROOKSBORO-DRIVE-Millcreek-Pennsylvania</guid><pubDate>Fri, 05 Mar 2010 14:02:49 GMT</pubDate></item><item><title>819 POWELL AVENUE, Millcreek, PA 16505</title><description><![CDATA[<img src="http://www.marshamarsh.com/property/819-POWELL-AVENUE-Millcreek-Pennsylvania/i/213891/0/t?pid=" title="" alt="" style="float:left; padding:3px;" /><p><span style="font-family: courier new,courier; font-size: 14pt;">Great NW Millcreek location. Home is in excellent condition. Everything is improved outside and in, including fully remodeled kitchen and bath. Large fenced backyard. 1.5 car garage, finished inside. One year home warranty.</span></p>]]></description><link>http://www.marshamarsh.com/property/819-POWELL-AVENUE-Millcreek-Pennsylvania</link><guid>http://www.marshamarsh.com/property/819-POWELL-AVENUE-Millcreek-Pennsylvania</guid><pubDate>Fri, 05 Mar 2010 14:02:49 GMT</pubDate></item><item><title>3404 CHAPIN STREET, Erie/City, PA 16508</title><description><![CDATA[<img src="http://www.marshamarsh.com/property/3404-CHAPIN-STREET-ErieCity-Pennsylvania/i/213366/0/t?pid=" title="" alt="" style="float:left; padding:3px;" /><p><span style="font-family: courier new,courier; font-size: 14pt;">Nice Cape in a great neighborhood, within walking&nbsp;distance to the zoo, schools, and YMCA. This spacious home boasts excellent room sizes and a fully applianced kitchen in stainless. Newer windows throughout, and a fenced yard with garage. Exterior is composition.</span></p>]]></description><link>http://www.marshamarsh.com/property/3404-CHAPIN-STREET-ErieCity-Pennsylvania</link><guid>http://www.marshamarsh.com/property/3404-CHAPIN-STREET-ErieCity-Pennsylvania</guid><pubDate>Wed, 03 Mar 2010 14:02:05 GMT</pubDate></item><item><title>5301 WINDCREST DRIVE, Harborcreek, PA 16510</title><description><![CDATA[<img src="http://www.marshamarsh.com/property/5301-WINDCREST-DRIVE-Harborcreek-Pennsylvania/i/213090/0/t?pid=" title="" alt="" style="float:left; padding:3px;" /><p><span style="font-family: tahoma,arial,helvetica,sans-serif;"><span style="font-size: 12pt;"><span style="color: #003366;"><em>Great value!&nbsp; Welcome foyer leading to stairway, formal Dining Room and spacious Great Room featuring a brick fireplace and cathedral ceiling. It is wired for surround sound. Fireplace can burn wood or be used as gas. Kitchen with Dining Area and access to 14' x 14' covered patio. Marble back splash. Exceptional Master Bedroom Suite with two walk-in closets, double basin vanity and jetted tub. Home offers plastered walls &amp; ceilings throughout, casement windows and hardwood &amp; ceramic floors. 2-1/2 car garage with access to finished lower level. Lower level is professionally finished and includes a half bath and flexible living area. All nicely placed on one of the largest lots in the popular subdivision. Includes a basketball court, patio and fire pit.</em></span></span></span></p>]]></description><link>http://www.marshamarsh.com/property/5301-WINDCREST-DRIVE-Harborcreek-Pennsylvania</link><guid>http://www.marshamarsh.com/property/5301-WINDCREST-DRIVE-Harborcreek-Pennsylvania</guid><pubDate>Tue, 02 Mar 2010 14:02:19 GMT</pubDate></item><item><title>10274 BARTON ROAD, Greene, PA 16441</title><description><![CDATA[<img src="http://www.marshamarsh.com/property/10274-BARTON-ROAD-Greene-Pennsylvania/i/212838/0/t?pid=" title="" alt="" style="float:left; padding:3px;" /><p><span style="font-family: courier new,courier; font-size: 14pt;">Meticulous ranch with convenient location on over 5 acres. 2 good 2 be true with 2 large bedrooms, 2 full bathroom, 2 living spaces (both with gas fireplaces), 2 kitchens, and a large 2 car garage.</span></p>]]></description><link>http://www.marshamarsh.com/property/10274-BARTON-ROAD-Greene-Pennsylvania</link><guid>http://www.marshamarsh.com/property/10274-BARTON-ROAD-Greene-Pennsylvania</guid><pubDate>Sun, 28 Feb 2010 14:01:53 GMT</pubDate></item><item><title>531 E MAIN, Corry, PA 16407</title><description><![CDATA[<img src="http://www.marshamarsh.com/property/531-E-MAIN-Corry-Pennsylvania/i/212676/0/t?pid=" title="" alt="" style="float:left; padding:3px;" /><p><span style="font-family: courier new,courier; font-size: 14pt;">Perfect for owner occupied or single family living. Garage with work shop. 1.5 baths and 3 bedrooms downstairs, 2 bed apartment upstairs.</span></p>]]></description><link>http://www.marshamarsh.com/property/531-E-MAIN-Corry-Pennsylvania</link><guid>http://www.marshamarsh.com/property/531-E-MAIN-Corry-Pennsylvania</guid><pubDate>Sat, 27 Feb 2010 14:02:29 GMT</pubDate></item><item><title>Foreclosure VS. Short Sale</title><description><![CDATA[<p><span style="color: #16145f;"><span style="font-size: 14pt;"><span style="font-family: arial,helvetica,sans-serif;">Homeowner Consequences</span></span></span></p>
<table style="border: 1px solid #16145f; height: 1510px;" border="1" cellpadding="8" align="left">
<tbody>
<tr>
<td width="150"><strong>Issue</strong></td>
<td width="150"><strong><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Foreclosure</span></span></strong></td>
<td width="150"><strong><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Successful Short Sale</span></span></strong></td>
</tr>
<tr>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Future Fannie Mae Loan &ndash; Primary Residence(1)<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">A homeowner who loses a home to foreclosure is ineligible for Fannie Mae-backed mortgage for a period of 5 years.<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">A homeowner who successfully negotiates and closes a short sale will be eligible for a Fannie Mae-backed mortgage after only <strong>2 years</strong>.<br /></span></span></td>
</tr>
<tr>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Future Fannie Mae Loan &ndash; Non-Primary(2)<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">An investor who allows a property to go to foreclosure is ineligible for a Fannie Mae-backed investment mortgage for a period of <strong>7 years</strong>.<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">An investor who successfully negotiates and closes a short sale will be eligible for a Fannie-Mae backed investment mortgage after only <strong>2 years</strong>.<br /></span></span></td>
</tr>
<tr>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Future Loan with any Mortgage Company</span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">On any future application, a prospective borrower will have to answer <strong>YES</strong> to question C in <span><span>Secion</span></span> VII of the standard 1003 form that asks "Have <span><span>ou</span></span> had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?" This will affect future rates.</span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">There is no similar declaration or question regarding a short sale.</span></span></td>
</tr>
<tr>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Credit Score<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Score may be lowered anywhere from <strong>250 to more than 300</strong> points. Typically will affect a credit score for over <strong>3 years</strong>.<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Only late payments on mortgage will show, and after sale, mortgage is normally reported as 'paid as agreed', 'paid as negotiated', or 'settled'. This can lower the score as little as <strong>50 points</strong> if all other payments are being made. A short sale's effect can be a brief as <strong>12 to 18 months</strong>. <br /></span></span></td>
</tr>
<tr>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Credit History<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Foreclosure will remain as a public record permanently, and on a person's credit history for <strong>10 years or more</strong>.<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">A short sale is <strong>not reported on a credit history</strong>. There is no specific reporting item for 'short sale'. The loan is typically reported 'paid in full, settled'.<br /></span></span></td>
</tr>
<tr>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Security Clearance<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Foreclosure is the most challenging issue against a security clearance outside a serious misdemeanor or felony conviction. If a client has a foreclosure and is a police officer, in the military, in the CIA, security, or any other position that requires a security clearance, in almost all cases clearance will be revoked and position will be terminated.<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">On it's own, a short sale <strong>does not challenge most security <span><span>clearnances</span></span></strong>. (3) <br /></span></span></td>
</tr>
<tr>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Current Employment<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Employers have the right and are actively checking the credit of all employees who are in sensitive positions. In many cases, a foreclosure is reason for <strong>immediate reassignment or termination</strong>.<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">A short sale is not reported on a credit report and is therefore <strong>not a challenge to employment</strong>. (4) <br /></span></span></td>
</tr>
<tr>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Future Employment<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Many employers are requiring credit checks on all job applicants. A foreclosure is one of the most detrimental credit items an applicant can have and in <strong>most cases will challenge employment</strong>.<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">A short sale is not reported on a credit report and is therefore <strong>not a challenge to future employment</strong>. (5) </span></span></td>
</tr>
<tr>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Deficiency Judgement<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">In <strong>100% of foreclosures</strong> (except in those states where there is no deficiency), the bank has the right to pursue a deficiency judgement.<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">In some successful short sales, it is possible to convince the lender to <strong>give up the right to pursue a deficiency judgement</strong> against the homeowner. <br /></span></span></td>
</tr>
<tr>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Deficiency Judgement (amount)<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">In a foreclosure, the home will to go through an REO process if it does not sell at auction. In most cases this will result in a lower sales price and longer time to sale in a declining market. This will result in a higher possible <strong>deficiency judgement</strong>.<br /></span></span></td>
<td><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">In a property managed short sale, the home is sold at a price that should be close to market value, and in almost all cases will be better than an REO sale resulting in a<strong> lower deficiency</strong>. <br /></span></span></td>
</tr>
<tr>
<td colspan="3">
<p><span style="font-size: 8pt;"><span style="font-family: arial,helvetica,sans-serif;">(1) Fannie Mae Announcement 08-16: Michael A. Quinn, Senior Vice President, Single-Family Risk Officer<br /></span></span></p>
<p><span style="font-size: 8pt;"><span style="font-family: arial,helvetica,sans-serif;">(2) Fannie Mae Announcement 08-16: Michael A. Quinn, Senior Vice President, Single-Family Risk Officer</span></span></p>
<p><span style="font-size: 8pt;"><span style="font-family: arial,helvetica,sans-serif;">(3) Short sales are currently not explicitly reported on a credit report.</span></span></p>
<p><span style="font-size: 8pt;"><span style="font-family: arial,helvetica,sans-serif;">(4) Short sales are currently not explicitly reported on a credit report.</span></span></p>
<p><span style="font-size: 8pt;"><span style="font-family: arial,helvetica,sans-serif;">(5) Short sales are currently not explicitly reported on a credit report.</span></span></p>
</td>
</tr>
</tbody>
</table>]]></description><link>http://www.marshamarsh.com/Blog/Foreclosure-VS-Short-Sale</link><guid>http://www.marshamarsh.com/Blog/Foreclosure-VS-Short-Sale</guid><pubDate>Tue, 26 Jan 2010 03:00:00 GMT</pubDate></item><item><title>Which part of the brain controls your money?</title><description><![CDATA[<p><span style="color: #333399;"><strong><span style="font-size: 14pt;"><span style="font-family: arial,helvetica,sans-serif;">Investor's Night hosted by Laban Marsh</span></span></strong></span><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;"><br />Join us this Tuesday at 6pm to enjoy a discussion on Erie&rsquo;s Real Estate Market and the abundant opportunities available here in Erie. We&rsquo;ll cover issues on financing, flipping, and the never ending need for good rental property throughout the county. Learn about tax advantages and how to buy a property with equity already available. Meet others who are looking to begin partnerships to build wealth, and share success stories about today&rsquo;s opportunities.</span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;"><strong>When:</strong> Tuesday, January, 26 at 6pm<br /><strong>Where:</strong> Marsha Marsh Real Estate Services &bull; 8840 Peach St. &bull; Erie, PA 16509</span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">If you would like to attend, please e-mail <a href="mailto:Laban.Marsh@MarshaMarsh.com" target="_blank">Laban.Marsh@MarshaMarsh.com</a></span></span></p>]]></description><link>http://www.marshamarsh.com/Blog/Which-part-of-the-brain-controls-your-money</link><guid>http://www.marshamarsh.com/Blog/Which-part-of-the-brain-controls-your-money</guid><pubDate>Mon, 25 Jan 2010 03:00:00 GMT</pubDate></item><item><title>Marsha Marsh and Therese “TJ” Penn Earns Prestigious Designation to Help Homeowners in Danger of Foreclosure</title><description><![CDATA[<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Erie, PA &ndash; January 20, 2010 &ndash; <a title="Learn more about Marsha Marsh" href="http://www.marshamarsh.idxco.com/idx/4200/bio.php?id=7">Marsha Marsh</a> and <a title="Learn more about TJ" href="http://www.marshamarsh.idxco.com/idx/4200/bio.php?id=19">Therese &ldquo;TJ&rdquo; Penn</a> of Marsha Marsh Real Estate Services in Erie has earned the prestigious Certified Distressed Property Expert<sup>&reg;</sup> (CDPE) designation, having completed extensive training in foreclosure avoidance, with a particular emphasis on short sales. At a time when millions of homeowners are struggling with the possibility of foreclosure, the skills and education accumulated by Marsha and TJ will help benefit Erie-area residents and communities. <br /></span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;"><img style="float: left; margin-right: 10px;" src="http://www.marshamarsh.com/agent_files/blog/CDPELogo_color_name_72dpi.jpg" alt="" width="150" height="140" />Short sales allow the distressed homeowner to repay the mortgage at the price that the home sells for, even if it is lower than what is owed on the property. With plummeting property values, this can save many people from foreclosure and even bankruptcy. More and more lenders are willing to consider short sales because they are much less costly than foreclosures.</span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Today, more than 13 percent of homeowners are delinquent on their mortgage or in the foreclosure process. This is occurring across all price ranges, and the fastest-growing category of homes in foreclosure is the luxury home market. <br /></span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">&ldquo;The CDPE designation has been invaluable as I work with homeowners and lenders on complicated short sales,&rdquo; said TJ. &ldquo;It is so rewarding to be able to help families save their homes from foreclosure.&rdquo;</span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Alex Charfen, co-founder and CEO of the Distressed Property Institute in Austin, Texas, said that agents such as Marsha and TJ with the CDPE Designation have valuable perspective on the market, and training in short sales that can offer homeowners real alternatives to foreclosure, which can be devastating to credit ratings.</span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">&ldquo;These experts better understand market conditions than the average agent, and can help sellers through the complications of foreclosure avoidance,&rdquo; he said.</span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">The Distressed Property Institute provides live and online courses to train real estate professionals how to help homeowners in distress, with a particular emphasis on handling short sales. <br /></span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;"><a href="http://www.marshamarsh.idxco.com/idx/4200/bio.php?id=7"><img style="float: left;" src="http://www.marshamarsh.com/agent_files/Meet%20the%20Agent/Marsha%20Marsh_web.jpg" alt="" width="100" height="125" /></a><a href="http://www.marshamarsh.idxco.com/idx/4200/bio.php?id=19"><img style="float: left; margin-right: 10px;" src="http://www.marshamarsh.com/agent_files/Meet%20the%20Agent/TJ-Penn_web.jpg" alt="" width="100" height="125" /></a>&ldquo;Our goal is to help as many homeowners as possible, by educating as many real estate professionals as possible,&rdquo; Charfen said. &ldquo;Marsha and TJ have demonstrated a commitment to the struggling homeowners, and will provide much-needed assistance in stabilizing the community.&rdquo; <br /></span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">For more information about CDPE Designation, visit <a href="http://www.cdpe.com/">www.cdpe.com</a>.</span></span></p>]]></description><link>http://www.marshamarsh.com/Blog/Marsha-Marsh-and-Therese-TJ-Penn-Earns-Prestigious-Designation-to-Help-Homeowners-in-Danger-of-Foreclosure</link><guid>http://www.marshamarsh.com/Blog/Marsha-Marsh-and-Therese-TJ-Penn-Earns-Prestigious-Designation-to-Help-Homeowners-in-Danger-of-Foreclosure</guid><pubDate>Sun, 24 Jan 2010 19:52:00 GMT</pubDate></item><item><title>Sell your home this winter</title><description><![CDATA[<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;"><span style="color: #ff0000;"><strong><span style="font-size: 14pt;">10 reasons to list now during the holidays </span></strong></span><br /><strong>with Marsha Marsh Real Estate Services</strong></span></span></p>
<ol>
<li><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">There is <em>less competition</em> for buyers.</span></span></li>
<li><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Winter prospects are <em>more serious buyers</em>.</span></span></li>
<li><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Your home looks better during the holidays.</span></span></li>
<li><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">One of the highest percentages of "LISTINGS SOLD" to "LISTINGS TAKEN" occurs during this time of year.</span></span></li>
<li><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">You may <em>receive more money for your home</em> now because you have less competition.</span></span></li>
<li><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Throughout the holiday season, you may restrict showings during your personal family events.</span></span></li>
<li><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Buyers have more time to look at homes during the holidays, especially during vacations.</span></span></li>
<li><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">January is traditionally the biggest transfer month AND you must be on the market to capture that market.</span></span></li>
<li><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">By selling now, you can have a delayed closing or extend occupancy until the beginning of the following year if you want it.</span></span></li>
<li><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">You may have fewer actual showings, but <em>more qualified and motivated prospects</em>. <br /></span></span></li>
</ol>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;"><span style="color: #ff0000;"><strong>If you or someone you know is interested in listing their home this winter, e-mail <a title="List my house this winter" href="mailto:info@marshamarsh.com?subject=List my home with winter">info@marshamarsh.com</a> and an agent will contact you within 24 hours.</strong></span><br /></span></span></p>]]></description><link>http://www.marshamarsh.com/Blog/Sell-your-home-this-winter</link><guid>http://www.marshamarsh.com/Blog/Sell-your-home-this-winter</guid><pubDate>Mon, 16 Nov 2009 03:00:00 GMT</pubDate></item><item><title>Helping Women Vets</title><description><![CDATA[<table border="0" cellspacing="0" cellpadding="0" width="500" align="left">
<tbody>
<tr valign="top">
<td width="205" align="left" valign="top" scope="row"><span style="font-size: 8pt;"><span style="font-family: arial,helvetica,sans-serif;"><img title="The Grace House Project" src="http://www.marshamarsh.com/agent_files/philanthropy/conniepatcongress-woman.png" alt="Congress" width="200" height="157" /> Pictured above: Projects Administrator Connie Miller, Congresswoman Kathy Dalhlkemper, and Executive Director Patricia Quinn</span></span></td>
<td width="20" align="left" valign="top">&nbsp;</td>
<td style="vertical-align:top;"><strong><span style="font-size: 14pt;"><span style="font-family: arial,helvetica,sans-serif;">My Father's House of Erie </span></span></strong><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">My Father&rsquo;s House of Erie is honored to have the opportunity to support women who have served our country bravely, as they make their journey home. Through our partnership with The County of Erie, the Erie VA Medical Center&rsquo;s Homeless Veterans Program, and with funding from a &ldquo;Homelessness Prevention and Rapid Re-housing for Underserved Populations&rdquo; award, My Father&rsquo;s House of Erie embarks on the &ldquo;Grace House Project,&rdquo; to meet the transitional housing needs of this unique population. [<a title="The Grace House Project" href="http://mfherie.org/gracehouse.html" target="_blank">Read more</a>]</span></span>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;"><br /></span></span></p>
</td>
</tr>
<tr>
<th width="205" align="left" valign="top" scope="row"><img title="My Father's House of Erie Brochure" src="http://www.marshamarsh.com/agent_files/philanthropy/MFH_brochure.png" alt="My Fathers House" width="200" height="155" /></th>
<td width="20" align="left" valign="top">&nbsp;</td>
<td style="vertical-align:top;"><strong>Marsha Marsh Real Estate Services</strong> is proud to have funded the production of the My Father's House brochure.
<p><a title="My Father's House of Erie Brochure" href="http://www.marshamarsh.com/agent_files/philanthropy/My%20Fathers%20House%20brochure.pdf" target="_blank">Download your FREE brochure.</a></p>
<p>Want to know more about My Father's House of Erie? <a title="My Father's House of Erie" href="http://mfherie.org/index.html" target="_blank">click here</a></p>
<p>To find out how else Marsha Marsh Real Estate Services has made a direct impact on our community, visit <a title="MM RES Sponsorships" href="http://www.marshamarsh.com/sponsorships">www.marshamarsh.com/sponsorships</a></p>
</td>
</tr>
</tbody>
</table>]]></description><link>http://www.marshamarsh.com/Blog/Helping-Women-Vets</link><guid>http://www.marshamarsh.com/Blog/Helping-Women-Vets</guid><pubDate>Fri, 13 Nov 2009 03:00:00 GMT</pubDate></item><item><title>Home buyer tax credit extension</title><description><![CDATA[<p><span style="color: #16145f;"><strong><span style="font-size: 14pt;">First-time Homebuyers: <br /><span style="font-size: 10pt;">E-mail <a title="First Time Homebuyer" href="mailto:info@marshamarsh.com">info@marshamarsh.com</a> if you're ready for your first home!</span></span></strong></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">(WALL STREET JOURNAL)<br />WASHINGTON -- Senate negotiators reached a tentative deal to extend a tax credit for first-time home buyers, but its passage remains uncertain.</span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">The agreement would extend the existing credit for first-time home buyers, worth up to $8,000, while offering a new credit of up to $6,500 for some existing homeowners, Senate aides said. The reduced credit would be available to all home buyers who have been in their current residence for a consecutive five-year period in the past eight years.</span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">The new provisions are aimed at broadening availability of the credit beyond first-time buyers and giving the weakened real-estate market a bigger boost while preventing real-estate investors from benefiting.</span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Many property experts have cited the credit as a reason for signs of recovery in the housing market in recent months. But that recovery was somewhat undercut by the September drop in new-home sales reported Wednesday.</span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">The credit would be extended from its current expiration date of Dec. 1 to all contracts entered into by April 30, and closed before July 1. It is expected that income limits on people claiming the credit would be increased to $125,000 for singles and $250,000 for couples, from the current $75,000 and $150,000, aides said. The credit phases out for people making more than those amounts.</span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">While Senate lawmakers appear to have reached a deal on the substance of the tax credit, they are still at odds over how it would be brought to the Senate floor. Senate Majority Leader Harry Reid (D., Nev.) hopes to add it to a bill currently on the Senate floor to extend federal unemployment insurance benefits. But agreement on that hasn't been finalized.</span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">While Senate Republicans are likely to support the measure, House Democrats have raised concerns that it carries a high cost to the government. The Internal Revenue Service is examining the program for alleged abuse.</span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;"><cite class="paperLocation">Printed in The Wall Street Journal, page A4</cite></span></span></p>]]></description><link>http://www.marshamarsh.com/Blog/Home-buyer-tax-credit-extension</link><guid>http://www.marshamarsh.com/Blog/Home-buyer-tax-credit-extension</guid><pubDate>Thu, 29 Oct 2009 03:00:00 GMT</pubDate></item><item><title>Success through Service</title><description><![CDATA[<p><span style="color: #d88e2d;"><span style="font-family: arial,helvetica,sans-serif;"><strong><span style="font-size: 14pt;"><img style="float: left; margin-left: 10px; margin-right: 10px;" title="Don Johnson, REALTOR" src="http://www.marshamarsh.com/agent_files/Meet%20the%20Agent/Don%20Johnson_web.jpg" alt="Don Johnson" width="200" height="250" />Testimonial from one of Don Johnson's clients</span></strong></span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Just wanted to let you know what a great job Don Johnson did in getting our home sold. He really had his work cut out on this one and he came through with flying colors. We had many issues pop up and Don worked through all of them and got the sale through. Don also was a great help in locating a home for us. We love the place we purchased and it fits our criteria perfectly. Kudos to Don for a job well done.&nbsp;&nbsp;&nbsp;<em> </em></span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;"><em>~ Ken (Chip) &amp; Cheryl Hunt</em></span></span></p>
<p><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;"><strong>Want to learn more about Don Johnson?</strong> [<a title="Learn more about Don Johnson" href="http://www.marshamarsh.idxco.com/idx/4200/bio.php?id=9" target="_blank">Learn more</a>]</span></span></p>]]></description><link>http://www.marshamarsh.com/Blog/Success-through-Service</link><guid>http://www.marshamarsh.com/Blog/Success-through-Service</guid><pubDate>Wed, 28 Oct 2009 03:00:00 GMT</pubDate></item><item><title>United Way supporters motivated at Mid-Campaign Rally</title><description><![CDATA[<p style="text-align: center;"><span style="font-size: 10pt;"><span style="font-family: arial,helvetica,sans-serif;">Nearly 150 United Way supporters turned out for a rally at United Way's offices on Wednesday, October 14. The event marked the halfway point of United Way's campaign and encouraged everyone to redouble their efforts as they work to make the campaign a success. <br /><br /><span style="font-size: 12pt;"><span style="color: #16145f;"><strong>Interim President Bill Jackson highlighted some of the early successes in the campaign, including the first ever electronic United Way campaign at PNC. Another highlight was Marsha Marsh Real Estate, where in addition to posting photos on their website of their employees in LIVE UNITED t-shirts, they also raised over $1,000 for United Way at a Client Appreciation Party.</strong></span></span><br /><br />Thanks to Jim Martin, 2009 Campaign Chair, and his wife Cheryl for generously underwriting the cost of the event.</span></span></p>
<p><span style="font-size: 8pt;"><span style="font-family: arial,helvetica,sans-serif;">(C) United Way of Erie County.</span></span></p>]]></description><link>http://www.marshamarsh.com/Blog/United-Way-supporters-motivated-at-Mid-Campaign-Rally</link><guid>http://www.marshamarsh.com/Blog/United-Way-supporters-motivated-at-Mid-Campaign-Rally</guid><pubDate>Tue, 27 Oct 2009 11:24:00 GMT</pubDate></item><item><title>Sunday, Nov. 1</title><description><![CDATA[<p><span class="body" style="font-family: arial,helvetica,sans-serif;"><img style="float: right; margin-left: 10px; margin-right: 10px;" title="Daylight Savings" src="http://www.marshamarsh.com/agent_files/home%20promos/daylight-savings_home.jpg" alt="Daylight Savings" width="202" height="267" /></span><span style="font-size: 14pt;"><span style="color: #1f8bdf;"><strong><span class="h1">Daylight savings reminder</span><br /></strong></span></span></p>
<p><span class="body" style="font-family: arial,helvetica,sans-serif;">Turn your clocks back on Sunday, November 1, 2009. Change the battery in smoke and carbon monoxide detectors and check your light bulbs for energy efficiency. Switching to energy efficient bulbs in your ceiling fixtures could save you $30 a year per bulb on your electric bill. </span></p>
<p><span class="body" style="font-family: arial,helvetica,sans-serif;">If you or someone you know is considering buying or selling a home, remember <a href="/">Marsha Marsh Real Estate Services</a> for all your real estate needs.<br /></span></p>]]></description><link>http://www.marshamarsh.com/Blog/Sunday-Nov-1</link><guid>http://www.marshamarsh.com/Blog/Sunday-Nov-1</guid><pubDate>Tue, 27 Oct 2009 10:02:00 GMT</pubDate></item></channel></rss>