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Since 1996,  I have viewed 1000’s of homes with Buyer(s) in Columbus, Ohio as their Exclusive Buyer’s Agent (EBA) and one question I continually get asked by my Buyer(s) is “how to fix squeaky floors?”

Squeaky floors are an annoying problem that can affect both newer and older homes.   Typically squeaky floors occur when your wood flooring (plywood sub-flooring or hardwood) dries out and shrinks.  The squeak you hear can either be your wood floors rubbing against your floor joists or the flooring nails have become a little loose.

The basic fix is usually just to screw the wood flooring to the joists.  But, If you have newer carpeting or hardwood floors then the fix is a little more complicated.

I discovered a few of low costs solutions that might work for most home owners.

  • Squeeeeek No More (could you add a few more “e’s”)
  • Squeek-Relief
  • Squeek Ender

All of these methods are very inexpensive (approximately $10 – $30) and not the hard to do for even for the most “home repair challenged” home owner.  You should be able to purchase these items online or at your local hardware store.

Check out the short videos below:

I have NOT used these products and I do NOT endorse them.  But, they appear to be a great, easy fix for a very frustrating problem.

Good luck out there!  I hope this information is helpful.

Please feel free to contact me if you need help or have questions

Home Buyer Advocate Mike

Representing People, NOT Property!

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The title tells you everything you need to know! A very good video for home buyers from “The Balancing Act” show on cable channel “Lifetime”.  The National Association Exclusive Buyer’s Agents (NAEBA) is an organization that strives to give today’s home-buying consumers the level of service they deserve and are increasingly demanding. NAEBA members firmly believe that home buyers have the same full and equal representation rights as sellers in any real estate transaction.   We have NAEBA members throughout the world.

Exclusive Buyer Agents (EBA) are the guaranteed, highest and best representation possible for a home buyer.  We help our Buyer Clients, “Locate, Evaluate and Negotiate!”

Great information for the home buyer.

Good luck out there!

Please feel free to contact me if you need help or have questions

Home Buyer Advocate Mike

Representing People, NOT Property!

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superman-logoIf you are looking for help to buy a home in Columbus, Ohio then you should contact a Buyer’s Agent.  But, not all Buyer’s Agents are the same.  The best representation for a residential or investor home buyer in Columbus, Ohio is an Exclusive Buyer Agent (EBA) or Exclusive Buyer Broker (EBB).  An Exclusive Buyer Agent will always look out for your best interest and protect you in the home buying process.

Here are the TOP 10 reasons to use an Exclusive Buyer Agent:

  1.  We ONLY represent buyers.  We are EXPERTS at buyer representation.
  2.  We negotiate the BEST price and terms for you.
  3.  We don’t sell homes.  We advise, counsel and educate.
  4.  We assist Buyers in evaluating the BEST financing options.
  5.  We have a duty to DISCLOSE all material information to our Buyer’s.
  6.  We are Buyer advocates that work to PROTECT your investment.
  7.  We are the GUARANTEED highest level of representation.
  8.  We SAVE you time and money.  We pay attention to the details.
  9.  We provide MORE available homes to our Buyer’s than most other  agents.
  10.  We locate, evaluate and negotiate for our Buyer’s.

For more information contact an Exclusive (true) Buyer Agent today. 

Helping home buyers is our only speciality.

A true Buyer’s Agent (EBA) will have no conflicts of interest….ever!superman-picture

An Exclusive Buyer Agent is NOT Superman.  But, we are the home buyers best protection and advocate in the home buying process.

Good luck out there.

Home Buyer Advocate Mike

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Starting in January 2009, Condo loan guidelines will be even more difficult for home buyers.  Fannie Mae &  Rising RatesFreddie Mac guidelines will change which will affect nearly all conventional condo loans.  But, FHA loans should not be affected (good news).  The major change is a pricing adjustment  that will increase the interest rate for the following condo loans.

  • Buyer is putting down 25% or less (Loan to value percentage exceeds 75%). 
  • If a condo loan term is great than 15 years

The approximate rate increase on these types of condo loans will be 1/2% or higher.

These new condo guidelines would have affected nearly 99.999% of all condo owners that I have helped since 1996.  This is a ridiculous new change that I think will really hurt condo sales in the Columbus, Ohio area.  We are moving in the wrong direction if we want to try and help the real estate and mortgage industry recover.

Good luck out there!

Home Buyer Advocate Mike

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Last week there was a great article in the Columbus Dispatch newspaper, “Independent Title Agents Sue”.  A group of small, independent title agents is petitioning the Ohio Supreme Court to STOP real estate brokers, banks, mortgage companies from steering business to affiliated title companies.

In a nutshell, the independent title agents are suing the Ohio Department of Insurance for failure to protect the consumer and to enforce state laws against what it calls “the spread of kickbacks and referral schemes in the real estate industry” (aka, affiliated business relationships).

Good news, Ohio law prohibits banks, real estate brokers and mortgage companies from being licensed title agencies.  But, since 1974 the federal Real Estate Settlement Procedures Act (RESPA) has allowed affiliated business relationships.  In my opinion, overall RESPA has been great legislation that has helped protect the consumer.  But, RESPA really dropped the ball in regards to affiliated business relationships.

Let’s hope the independent title agents will be successful with their lawsuit.  I will keep you updated with future blog posts.  “Affiliated business relationships” are really bad for the consumer.  These relationships raise the cost of many title company fees with no benefits to the consumer.

In my opinion, if this lawsuit wins it could really open an “ugly door” into our state departments and agencies that are set up to monitor and regulate many industries, such as real estate, lending, financial securities and insurance.

The “average Joe citizen” would think these agencies are set up to protect the consumer.  But, in many times, the actions and decisions of these agencies have worked to protect the industry that they are monitoring more so than protecting the consumer.

We have been mixing “big business industry” with politics for years.  This has fostered an environment of “sleeping with the enemy” and/or “the fox is guarding the chicken coop”.

This is a dangerous mix of power, control and greed that has been dormant for a long time.  If this lawsuit is successful, hopefully it will expose other agencies and open up a lot more questions.

If you can’t tell by now, I am no proponent of “one stop shopping”.  The problems of affiliated business agreements are just a smaller component of the entire “one stop shopping” farce.

There is only ONE reason why big banks, insurance companies and/or real estate firms offer you the convenience of one stop shopping and that is profit and greed.  It will almost never be in your best interest to make a major financial decision on one stop shopping.

If you need to buy or sell a home in Central Ohio and you are thinking about using the largest real estate broker in our market to help with everything (real estate transaction, new loan, home warranty, title services, etc.) then you need to be really careful.  As Dr. Phil would say, “You need to get REAL” (or not real, if you know what I mean).

You need to do research and work to be a smart, informed consumer.  Shop around, make phone calls, get multiple estimates or quotes.  If you do your research you will make the best informed decision and you will be better off financially.

In my opinion, there has always been a public perception that the real estate industry has been notorious for kickback schemes and unethical referral arrangements.  Eliminating or better monitoring of affiliated business relationships/agreements will be a good start toward improving our public perception.  Let’s hope the Ohio Supreme Court can do the right thing! 

After we fix affiliated business relationships we will move onto stopping one stop shopping. heh, heh, heh!

Here are some related links:

Ohio Department of Insurance

Ohio Department of Commerce (Real Estate, Mortgage & Financial Securities)

Division of Financial Institutions

Division of Real Estate

Division of Securities

Be careful out there!

Home Buyer Advocate Mike

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After years of failed attempts, it finally looks like we will have some licensing regulations in place for Home Inspectors in the State of Ohio by 2009.  House bill (HB) 257 recently passed the Ohio House of Representatives by a wide margin (83-11).  The bill will be reviewed by the Ohio Senate later this year when the legislature reconvenes after the November 4th election.

With all the problems in the last few years in real estate, it would be “political suicide” for any political official (wink, wink Gov. Ted Strickland) not to pass some positive legislation.  Legislation designed to regulate & license Ohio’s home inspection industry is long over due.

For too long, any “Joe Schmoe” could print up a business card on their home computer and start a home inspection business.  Because of this reason, there are inexperienced, unqualified inspectors in our area.  This is a problem for a potential home buyer.  The problems we have had in the home inspection industry are really “small potatoes” compared to all the other major problems in real estate (lenders, fraud, greed, non-disclosure, foreclosures, etc.).  But, this is a good thing.  This means legislation will probably get passed in the State of Ohio.

The new Home Inspection Licensing will probably include the following provisions:

1.  Criminal penalties for performing home inspections without a license.

2.  Creation of a process for investigating complaints filed against inspectors.

3.  Creation of the Ohio Home Inspection Board to regulate the industry.

4.  Creating minimum standards and guidelines for performing inspections.

Hopefully our state legislature will have the home inspection bill passed soon.  I am confident that home buyers in 2009 will have the protection of home inspection regulation and licensing.
Home Inspector

Home Inspector

Check out my previous past about “Home Inspection Nightmares”.  This blog post also has good links to find qualified home inspectors in your area via The American Society of Home Inspectors (ASHI) and National Association of Home Inspectors (NAHI)

Good luck out there!

HomeBuyer Advocate Mike

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Buyer's Resource Realty Services 7100 N. High St. Suite 204 Worthington, OH 43085
614.321.9577

Michael Marshall – Angie’s List Super Service Award 2013!

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HomeBuyer Advocate Mike


Representing People, NOT Property in Columbus, Ohio. If you are a home buyer, then you need me to protect you. I can help you get the best price and terms for your next home purchase. You must use a true Buyer Broker! 1.614.805.7607

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