Howard Hanna Myers Real Estate Services

Fayette's Sheepskin Trail is famous!!

For 2021, there’s a ton of trends you'll want to add to your home and you’re sure to see them in your friends' homes! Before you get into the list, we think you should decorate for your happiness. So just think of these things as a suggestion!

There are plenty of cheap and easy ways to bring your home into this century!

Ohiopyle, a natural gem in the Laurel Highlands of Fayette County PA is one of the most beautiful, powerful, and historic waterfalls in Pennsylvania. So, the next time you're at Ohiopyle State Park, think about its place in history. It’s entirely possible that, without the presence of Ohiopyle Falls, the story of America could be very, very different. We might not have even heard of that young British colonel George Washington who led his troops west to Ohiopyle all those years ago! #FayetteCountyPAProud #History

Today's home buying tip concerns what is debt and how it impacts your ability to secure a mortgage! Debt-to-income ratio is an important calculation for borrowers--the more income you have compared to outgoing payments for things like your car payment, credit cards, personal loans or child support every month the better. But what is considered debt and what are not counted as part of your debt ratio. That’s right, some of your monthly financial obligations may get left out ...of the calculation. Let’s explore that concept: Financial obligations not counted: Federal, state, local taxes, if not delinquent Automatic deductions from savings, when not associated with an obligation. Federal Insurance Contributions Act (FICA) and other retirement, such as 401(k) accounts. Loans secured by depository accounts. Utilities. Child care. Commuting costs. Union dues. Insurance, other than property insurance. Open accounts with zero balances. Voluntary deductions, not associated with another type of obligation. Excluding the above, a lender is required to review all credit report inquiries to ensure that all debts, including new debt payments resulting from inquiries listed on the credit report, are used to calculate the debt ratios. One debt-related area in particular for some applicants? Student loans. Some worry that carrying large student loan debt will deter loan approval. One of the most important things you can do to address this issue is to make sure you are not delinquent on ANY student loans and that your record of payments is consistent for at least 12 months, just like any other type of debt! Ready to get into a home of your own? Contact us now and we'll get you moving! #WeSpeakHome See more

Big Housing Decisions You May Face in 2021! Housing decisions are never small. Where you choose to live impacts your budget, your job and your social life. And, in the future, your home plays a major role in what your retirement might look like both financially and logistically. For these reasons, housing decisions require plenty of careful consideration. Should you build or buy? Both building a new home or buying an existing one can be good choices. You’ll definitely pay... more for a new home, but it will likely need fewer repairs and have lower maintenance costs. Existing homes, on the other hand, are usually cheaper upfront, but they may come with more issues and potential repairs. Is it better to move or to remodel? There will typically come a time when you outgrow your house. When this happens, you’ll need to decide whether updating or expanding that home is best or if you’re better off finding a new home instead. Renovating comes with lots of hassles and messes, but if you love your neighborhood, it can be a smart choice. Buying a new home would allow you to change some of those foundational aspects things like location, school district and community amenities. Is it time to downsize? As you age and your family size shrinks, you might want to consider a smaller house. Downsizing potentially reduces your monthly costs, frees up cash flow and reduces the amount of cleaning and maintenance you need to do regularly. On the other hand, it may be hard to part with your long-standing home both for you and your family. You’ll also want to think about things like your budget, long-term retirement plans, physical comfort and more. Need help making a big housing decision? We're here for you. Get in touch today to discuss all the options that will make selling your current home easy and finding the place that matches what you’re looking for today! #HomeHappensHere

Buying your first home? It's hard but worth it. Making the leap from renting to owning takes work, dedication, and consistency with your money. The result: your very own place to settle down and build memories in. Yes, you can do it and we want to help! Check out these tips that you can start with right away, then call or text any of our real estate pros to get you into your new place ASAP! #lovewhereyoulive #homebuyertips

New Listing Alert! Don't miss out on this stunning 4 bedroom 3.5 bath tucked back on 1.86 just outside of Smithfield! Amenities Galore! A Must to see so take a peek now then call or text Lisa Myers 724-984-0499 to arrange your private tour! #PerfectLocation #AlbertGallatinSchoolDistrict #Smithfield #CountrySplendors

It's the first Monday of 2021! Here's to all of your plans and goals for the year - and here's a little inspiration as you start working on them!

The Path to Homeownership is full of caution but.............. in 2020 the quest for a place better equipped to fulfill your families needs, homeownership has skyrocketed! And since homeownership leads to greater wealth accumulation when compared with renting, since renters don’t capture the wealth generated by house price appreciation, nor do they benefit from the equity gains generated by monthly mortgage payments, which become a form of forced savings for homeowners. If yo...u are rethinking becoming a homeowner, now is the time! Check out the chart showing the big difference that today's mortgage rates make on your monthly budget! So whether your buying your first home, or moving up to a home that better fits your families needs, owning a home makes a ton of sense! Ready to get moving to a new place today? Contact any of our real estate pros now to find your perfect place! #wespeakhome #HomeHappensHere See more

Good morning, Fayette County Pennsylvania! Don’t let the chilly weather keep you cooped up indoors! Embrace the season and take a gorgeous hike through the frosty landscape. It will lead you straight to one of many beautiful waterfalls at Ohiopyle where spellbinding beauty awaits! #OhiopyleStatePark #LoveWinterinFayetteCounty

Our home, Fayette County, is so rich in nature and is such a beautiful place to live! #MovetoFayetteCountyPA #Ohiopyle

Leaving home can be hard. Let us make the journey a little easier. 724-320-3130

There are endless reasons why you’d want to work with a real estate agent, but some are especially critical in today’s market. Before you list your home for sale, make sure you know the benefits of working with one of our real estate agents and how hiring an agent takes the load off your shoulders! And even if your home sells extremely quickly, there’s still an enormous amount of follow up needed to ensure that you get to the closing table not to mention the paperwork! Howard Hanna Myers agents are here to do that work for you, helping to make the process of selling your home a smooth, easy, and financially successful one! #WeSpeakHome #SellYourHome

Fayette County has so much beauty to enjoy! Check out this guide to Ohiopyle State Park! #lovewhereyoulive

#InTheNews: RealEdge, a real estate podcast hosted by RISMedia, recently published an interview with Helen Hanna Casey, CEO of Howard Hanna Real Estate Services. Host Daniel Ramsey and Helen spent over 40 minutes discussing a number of topics related to Howard Hanna, the company’s operations, and the real estate industry overall. You can read about the interview as well as find a link to the podcast episode now at our blog: https://hubs.ly/H0DCRPP0

USDA Homeownership Programs Low interest, fixed-rate homeownership loans are available to qualified homebuyers with financing offered at fixed-rates and terms through a mortgage loan guaranteed by USDA Rural Development. These home loan programs do not require a down payment. Rural Development Single Family Housing Program helps lenders work with low- and moderate-income households living in our area to make homeownership a reality. Providing affordable homeownership opportu...nities promotes prosperity, which in turn creates thriving communities and improves the quality of life in our communities! Applicants must: Meet income-eligibility (cannot exceed 115% of median household income) Personally occupy the dwelling as their primary residence Be a U.S. Citizen, U.S. non-citizen national or Qualified Alien Want to find out more about how the USDA home loan programs work? Or if you are eligible to qualify for a 0 down payment mortgage? Contact any of our real estate agents to help you navigate the best mortgage loan options that are best for you! #USDA #HomeHappensHere

Inexpensive Ways to Stay Busy at Home This Winter Whether you’re social distancing or trying to pocket more savings to buy your first home or upgrade to a bigger, better place, there are plenty of ways your family can have fun from the comfort of your home: Try a new subscription delivery box Teach your kids about money Go sledding or snowshoeing... Build a snowman or have a snowball fight Learn a new skill together Make your own movie theater Watch free performances online Have a family pajama day Try new recipes together Bake cookies to drop off at the neighbors’ Host a Zoom get-together Play your favorite games Make a scrapbook Set up an indoor treasure hunt Have fun with science Create a 2020 time capsule It’s likely the coronavirus crisis may change our health and financial habits permanently. On the positive side of things, we may learn to practice better self-care in addition to healthier spending and saving habits. And it’s possible we’ll develop new family traditions and find fun at-home activities that will stick with us even after the pandemic is controlled. Not only will staying home this winter keep you healthy and keep your finances in check, but it may also make for a memorable year for your family. You might find that getting creative with your family activities will actually bring your family closer together. And when your ready to move your family into a great new place, make sure you call any of our real estate pros to get you settled in before next winter! #WeSellHome #Howardhannamyers #winterathome See more

Ready to buy your own home but have issues with you credit? Well here are some credit repair techniques you can do yourself! #FHA

2020 saw major shifts in what people wanted and needed in a home! Now experts are predicting which features and trends will remain popular or gain popularity in the new year! So what would you consider essential when you buy a new home this year?

Congrats Tyler! We know you'll love your great new place! #happyhomeownershipday