Residential and Commercial Sales Leasing Management www.LeariaGroup.com May 11, 2013 Mark McCurdy Mark McCurdy ABR, CHMS, CRS, GRI, e-PRO ABR, CHMS, CRS, GRI, e-PRO 2010 REALTOR OF THE YEAR OF THE YEAR Happy Mother’s Day to my Mom and my wife. Love, Mark See page 2 See page 5
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R e s i d e n t i a l a n d C o m m e r c i a lSales Leasing Management
Happy Mother’s Dayto my Mom and my wife.Love, Mark
See page 2
See page 5
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NORTHWEST4721 PERSMIMMON CT. B-4 OPEN SUNDAY ONLY! 2-4(West Robinson and 48th, go north on 48th to Davinbrook, east on Davinbrook to Persim-mon ct. west on Persimmon ct. to property.)3 BED, 2 bath, 2 car garage home built in 1982. Kitchen remodeled, wood flooring in entry and living area, large lot. Sq.ft. 1584 (MOL) New price $148,900. Hostess: Jackie SaxonMETRO BROKERS OF OKLAHOMA [email protected] 361-33883000 LOCHINVER E-3 OPEN SAT. & SUN. 12-6WESTPOINT HOMES’ SHOWCASE HOME IS A MUST SEE! As your walk thru this open design and see the colors you will have a warm, at home feel. This 3 bedroom, 2 ½ bath home has special features such as a study with beautiful bookshelves and wood flooring, a mudroom, decorative tile work and so much more.WESTPOINT HOMES westpoint-homes.com 366-00003001 LOCHINVER E-3 OPEN MON-FRI 1-6, SAT 2-5(North on Porter Ave, past Rock Creek Road, turn left into Highland Village, then go right onto Lochinver.)THIS SHOWCASE HOME has the best in quality, detail and value for your new home. It features 3 beds, study or 4th bed, dining with open chef style kitchen, granite coun-ters, real Oak hard wood floors throughout main Muirfield Homes can do for your family. Host: Scott WilliamsMUIRFIELD HOMES [email protected] 760-1330212 PECAN VALLEY E-3 OPEN SAT & SUN 12-5(From Tecumseh Rd. and Porter go south to Highland Village entrance. West to Tara, right to Marbel, and south to Pecan Valley.)QUALITY CONSTRUCTION BY Skyridge Homes. Beautiful 5 bedroom home with lots of extras, including granite, gas cook-top, hardwood floor, built-in shelving, sprinkler system and more. $275,000. Call Mahnaz @ 979-7462. #262128DON CIES REAL ESTATE, INC. www.DonCies.com 329-0256
NORTHEAST516 QUIDNET F- 3 OPEN SAT 2-4(In the Vineyard Addition- On Porter Ave. North of Rock Creek Rd or South of Tecumseh Rd. Enter through the Covered Bridge at The Vineyard E trance go east on Nantucket Blvd make a right on Quidnet, the house is on the corner in the Phase III section of the addition.)JUST COMPLETED! A BEAUTIFUL NEW HOME IN THE VINEYARD! Built by C.A.McCarty Construction an inviting and spacious two story home is 3426+/- sq ft includes a large finished bonus room. Features of this home include a vaulted great room, open kitchen with breakfast area, a gathering room with fireplace, formal din-ing, study; oak hardwood floors. You will love the downstairs master suite and spa-cious master bath! Upstairs is 3 bedrooms, 2 full baths and bonus room. The home has a 3 car garage and many other amenities. Call Sherry for appt 694-0734 or Visit us this Saturday!C.A.MCCARTY CONSTRUCTION camccartyconstruction.com 310-32101500 FAWN RUN CROSSING G-3 OPEN SUN-MON 1-5, TUES-SAT 11-5(From Rock Creek Road and 12th Ave NE, go east to Queenston. Turn left - Show home islocate on the SE corner of Queenston and Fawn Run Crossing.)YOU’LL LOVE THE pond, walking trails and playground with basketball court. Full brick NEW HOMES in NE Norman. Deerfield Addition. Amenities include Energy Star, Whirlpool Appliances, Ceramic Tile, Builder also pays Closing Costs (restrictions apply). Starting in the $130’s. Hostess: Peggy DarrDILLARD GROUP www.peggydarr.com 642-0549
SOUTHWEST3920 PRESIDIO DR F-9 OPEN SAT & SUN 1-4(Highway 9 East to 12th Ave. S.E turn right. Go to Skylar Way take left. Turn right on Presidio Dr.)BEAUTIFUL NEW HOME 1875 square feet. Three bedrooms and a study. Quality built and very pretty. A Must See! $204,750 Hostess: Claudia DAVINCI HOMES DaVinciHomesOK.com 659-4665
2917 BRETFORD WAY G-8 OPEN SUNDAY ONLY! 2-4(East on Hwy 9 south to 24th ave. SE, turn south to Southlake, right to Bretford Way.)SUPER NICE HOME, 3 bed, 2 bath, and 3 car garage. Open kitchen, granite coun-tertops, and stainless steel appliances. Large backyard, and HOA includes pool, club-house, workout facility, ponds and walking trails. Home built in 2007, sq.ft. 1987 (MOL). Price $210,500.00 Host: Terry SaxonMETRO BROKERS OF OKLAHOMA www.jackieandterry.com 361-3388
By Broderick PerkinsRealtyTimes.com
Counseling, whetherit be for homeowner-ship, foreclosure, cred-it, bankruptcy or otherfinancial issues, is sup-posed the clear the airand prepare con-sumers for a givenfinancial condition.
Ironically and unfor-tunately, consumersare confused aboutcounseling that's sup-posed to remove theconfusion.
The latest NationalFoundation for CreditCounseling's (NFCC)Financial Literacy Sur-vey found that confu-sion could be prevent-ing consumers fromseeking help the helpthey need when theyneed it most.
"When strugglingwith debt and otherpersonal financeissues, consumers dothemselves and theirfamilies a disservice bynot seeking advice
from a trusted profes-sional nonprofit creditcounseling agency,"said Gail Cunningham,NFCC spokeswoman.
"However, there canbe major differencesamong (counseling)agencies," she added.
The survey revealedthe following areas ofconfusion consumerssuffer when it comes tocounseling.
• Consumers saidthey didn't know whichagency to turn to for
assistance.Fact: Caution is war-
ranted in the financialservices world, but notto the point where itbecomes a head-in-the-sand proposition.
Consumers can fer-ret out legitimate helpby looking for anagency associated witha membership organi-zation such as theNFCC, federal govern-ment agencies like theU.S. Department ofHousing and Urban
Development (HUD)and community groupslike NeighborWorksAmerica.
Also check with stateconsumer protectionor licensing agencies,the state attorney gen-eral's office and theBetter BusinessBureau.
• Many consumers,already struggling withcash flow problems,believe counseling willcost too much.
Fact: Much counsel-
ing is free, especiallyHUD-certified counsel-ing mandated by cer-tain mortgage pro-grams. NFCC membercounseling is free orlow cost - no servicecan be denied basedon an inability to pay.Fees are waived inhardship cases.
• Some consumersbelieve credit counsel-ing would hurt theircredit report and cred-it score.
Consumers confused about credit counseling
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Fact: To the con-trary. Counseling ser-vices aren't reported tothe credit bureaus.However, studies showthat credit scoresimprove with creditcounseling. Counsel-ing teaches consumersto use credit in aresponsible way.
• Some consumersbelieve that creditcounseling agenciesoffer only advice,rather than real solu-tions.
Fact: Counseling iseducation. Counselorsteach both short-termand long-term solu-tions for consumers. AtNFCC, each consumeris provided with a writ-ten action plan thatincludes concretesteps to address imme-diate concerns and laythe groundwork for afinancial goals.
Debt management isone such tool. Thecounselor negotiateswith the creditor for alower monthly pay-ment, a lower interestrate, and late fees andover-limit fees stoppedor lowered. Once inplace, the plan pro-vides immediate relieffor those struggling tomeet debt obligations.
Foreclosure preven-tion counseling like-wise works with thelender to provide analternative to foreclo-
sure.Bankruptcy counsel-
ing seeks alternativesto bankruptcy and isdesigned to providetools to prevent bank-ruptcy in the future.
• Some consumerssaid they believed thatdebt settlement orbankruptcybankruptcywere better or easieroptions.
Fact: Debt settle-ment and bankruptcyare serious financialdecisions. Like foreclo-sure, they both havenegative consequencesfor a consumers creditreport and score. Theyaren't for everyone, butmore of a last resortoption.
"When experiencingfinancial difficulties, itis important to recog-nize the problem, andthen promptly contacta professional creditcounseling agency,"said Cunningham.
Delay is not anoption.
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Credit
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MONEYMONEY$$AVINGAVINGCOUPONCOUPON$$
EVERY DAYEVERY DAY
(two-hundred �fty dollars worth of savings)
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classifieds online @normantranscript.com
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Sales
Homes 510106 E. SYMMES
1350 sf, 2 or 3 Bdrm. 1 Bath, CH/A1 Blk S of Courthouse
$155,000Call: 405-514-5388
1908 Pendleton Dr1430sf. 3/2/2 new roof, carpet,
new ss appl,granite kithen & bath tops. fresh int&ext paint, etc.
$131,900. Call 405-388-9553.
FSBO: West Moore Schools, 3/2/2, 1636q’ Custom Built 2000. Ex.Cond
corner lot. New Roof. $148,500. 405 820-2955 • 405 623-4365
Nice 2 bedroom brick home with fenced back yard. Priced at ap-praised value. 507 Johnson, Lex-ington, OK. Call 405-250-9909
409 W. Daws St2BR/1BA. Lots of updates make thislovely house move-in ready! Hard-wood floors, open floor plan, crownmolding, remodeled kitchen and bath(tile, corian countertops), new fur-nace (2011), new roof (2012), newdriveway (2011), new paint through-out (2010-2013). Sunroom with barsink, private patio, loft add extraspace. Is in a great neighborhoodjust one mile from OU campus!OPEN HOUSE May 12 2-4pm. FSBO$117,000. Call (405) 456-9483.
Storm Shltr, Energy Eff. Home, Windows Repl, Attic Fan, Firepl., Fresh Paint/Carpet, 3bd/1.5bth, 2 Liv, 2 Car, appr. 1400 sq. ft., Only $115,000 Call Margrit (405) 412-7932 Old Town Realtors
Manufactured Homes 515$9999 CASH
Used Singlewide 405-634-4812
BIG DADDY Singlewide,Tape Texture,
special intro pricing 405-634-4812
Manufactured Homes 515FISHERMAN 3/2 • $27,500 405-634-4812
HOMES & LANDAll areas OKC 405-634-4812
Land / Acreage 5305 - 10 20 Acre Tracts
Well Septic Eectric • East ofNorman • Trees • Owner Finance.
10% Down • 405-760-1342
Rentals
Homes 6101502 Briar Meadow
3Bd/2Bth/2Car Lg Fenced Yd,Totally Remodeled, Pet Free. Avail Now. $925/mo 329-7185
• 1b/1bth Noble..$375/350• 1b/1bth W/D
1932 E Lindsey $400/350• 2b/1bth Noble...$495/400• 3b/2bth
(BPT) - From thebelief that it costs toomuch to operate a pool tothe misconception it willgo unused, myths aboutpool ownership abound –and they likely dissuadesome homeowners frommaking this valuablehome improvement.Here are five myths thatsimply don’t hold water:
Myth: Pools are toocostly to install.
Reality: The cost of apool will depend on manyfactors, including the sizeof your yard, the dimen-sions of the pool and thematerials you choose.Finding the right installeris key. The Association ofPool & Spa Professionals(APSP) offers an onlinemember locator to helpconsumers find an APSPCertified Professional intheir area.
Myth: It’s difficult andcostly to maintain a pool.
Reality: Pool pumpsand filtration systems aremore energy efficientthan ever, saving moneyon electricity costs.
Myth: Pools are notenergy efficient.
Reality: Energy-effi-cient pool pumps can useup to 30 percent less pow-er to operate.
Myth: A pool won’tenhance my home’s val-ue.
Reality: Among peo-ple who purchased ahome with an existing
swimming pool, an eye-opening 78 percent saidthe presence of thepool contributed totheir decision to buy,according to the APSPsurvey.
Myth: If we get apool, we’ll never use it.
Reality: Seventy-sixpercent of pool ownerssay they are extremelyor very satisfied withtheir pools. Theybelieve having a poolentices their family tospend more timetogether in their ownbackyards.