Ever Wonder Why You Need A Title Company for A Real Estate Transaction?

Don't forget to file your property tax deductions!

Common Title Problems

Homestead Verification Form

Have you filed your Homestead Verification Form yet and you live in Indiana? If not, you had better do so or rish paying up to DOUBLE in property taxes! See the graphic for more information.

Closing Questions...Answered

December 2012 Steve & Jack's Home News

Merry Christmas & Happy New Year!

We hope you had a fun and relaxing Thanksgiving holiday with friends and family and are now preparing for the Christmas holiday season. Steve & Brigid hosted Thanksgiving again this year for Brigid's brother and wife, Steve's sister and family, and Jack and Mary Anne. We had a great time and everyone left with lots of leftovers! Our favorite is turkey sandwiches the next day...with lots of mayo, of course!

Steve & Brigid took advantage of the long weekend to get Christmas decorations up throughout the house, both inside and out. Although a full day of work, it is our favorite time of the year and we love looking at the Christmas tree with all of the bows, lights, and ornaments. A tradition Steve & Brigid have is picking up a Christmas ornament every time they travel. It always bring back fond memories of vacations gone by and remembering how life has changed over the years. Of course, we have ornaments from when we were younger as well and we share with Ana & Talia how old we were and some memories of that time in our lives. It is a great family time for sharing memories and teaching our girls a little about when we were their age.

One of the new traditions we have embraced is the Elf on The Shelf. What a great vehicle for impressing upon kids the importance for good behavior! Ana read the book about the Elf to Talia. If you are not familiar with the Elf, Santa sends him to kids' houses to watch them and then he reports their behavior back to Santa each night. The following morning, the kids have to look for him as his location changes daily. They aren't allowed to touch him as he will lose his magical powers. Every parent we know who has an Elf in their house absolutely LOVES it!

On a down note, Steve & Ana both have to have their tonsils removed. In order for them to take advantage of the Christmas break and Brigid's vacation time to play nurse, they had to schedule the surgery on December 21st! So, Christmas will not be quite as merry as usual, but the important thing is that they will be much healthier in the future. Recovery time for Ana is about a week, but for Steve it will be about two weeks. Lots of milkshakes have been promised!

In housing news, excellent data has been released, yet again!! These numbers are for all of the MIBOR service area. Hamilton County numbers are even better!!
• Closed sales are up 18.0%
• Median sales price is up 1.9%
• Inventory is down 11.5% and is down to 6.8 months


***Don't forget about our Annual Santa Night at our office-3801 E. 82nd Street on Thursday, December 6th from 5-7PM. This has become an annual event for many of you and we always look forward to seeing you each and every year. This is great for kids, parents, and grandparents. A friendly Santa will be there along with his elfs, a professional photographer who will be taking FREE photos, & some refreshments. Please RSVP by 12/3 to Lisa Kirkpatrick at 317-654-5430 or Lisa@Welcome2Indy.com.

Here are some fun articles you will find in this month's newsletter:
• The Archer
• December Doings
• December Quiz Question
• Boost Problem Solving
• Winter Fun Facts
• Birds Can be Multilingual
• Perfect Holiday Parties
• Overheard on A Bus
• Sleep Tight
• Nuts to You-for A Healthier Diet
• Less Is Often More
• The Power of 'We'

Click here to read the final newsletter of 2012.

Click here to access our exclusive coupons & discounts to save you money at stores you shop every day.

Click here to download the most powerful real estate app in Indy.

Our wish to you this holiday season is that you are able to take some time out of your hectic schedule and the pressures that accompany this time of year and spend some quality time with friends and family as you enjoy your own holiday traditions. Please remember that there are so many people who will not have a very merry Christmas this year. Volunteering in some way is not only good and very much appreciated by those less fortunate, but also does some pretty amazing things for us as well. Please consider volunteering this holiday season to make it just a little brighter for someone else.

Merry Christmas & Happy New Year!!

Top Tips Before Buying A Home

View Your Home from A Buyer's Perspective

Boost Your Home's Curb Appeal

November Steve & Jack's Home News

Welcome Fall!!! With the much-lower temperatures come the changing of leaves and greener grass along with more rain. It also marks the end of many sports, such as baseball and soccer. Such is the case with our family. Ana finished her last soccer game on Saturday, and while it frees up three days/week, it is bitter-sweet as I always look forward to watching Ana play. Brigid enjoys coaching, but is ready for a break as well.

We are looking forward to enjoying some time in the Smokies for Fall Break with Jack and Mary Anne later this month. Mary Anne had eye surgery a few weeks ago, which necessitated her having to keep her head down for 10 consecutive days! While not fun, she completed her recovery a week ago Saturday last. Now, she has another 4 or more weeks before she can expect full vision to be restored, but it beats going blind!

We are looking forward to going to some pumpkin patches and our annual Trick-or-Treating in our neighborhood. Ana has decided she is going to be Dorothy from The Wizard of Oz and Tali is going to be her favorite cartoon character Scooby Doo. Hopefully, you are looking forward to Trick-or-Treaters, Halloween parties and/or Fall Break plans.

Our real estate market continues to improve and has received quite a bit of great press lately. Here is why:
Quarter-over-Quarter Change in Closed Sales +14.5%
Quarter-over-Quarter Change in Median Sales Price +4.2%
Quarter-over-Quarter Change in Inventory -11.2%
Months Supply of Inventory 7.8 months -21.7%

Happy Fall!!!

Save the date for our annual Santa Night at our office on Thursday, December 6th from 5-7PM. Santa will be there with on of his Elfs, refreshments will be served and professional photos will be taken, suitable for Christmas Cards. More details will be coming soon!!!

Some of the fun articles you will find this month:
• Don't Doubt The Power of A Dream
• Notable in November
• November Quiz Question
• Furnace Readiness Tips
• Oldest Bird, Not A Bird?
• Knowledge Is A Matter of Perspective
• Caring for An Elderly Relative While Working
• Facts about Factoids
• 5 Tricks Theaters Use
• Remodel with A Financial Blueprint
• Lost Jobs Lead to New Opportunities
• Girls, Ask Your Guys

Click here to read our November Newsletter:


Click here to access our exclusive coupon & discount site:


Click here for the most advanced real estate app available, including sold listings!
or TEXT: HOME21 to 87778

Buyer Facts & Trends

Some great insight into buyer trends.

First-Time Buyer Facts

October Steve & Jack's Home News

Welcome to Fall! After such a hot and dry summer, fall has hit us hard with much lower temperatures and one of the wettest Septembers on record. We hope that you have gotten back into the rhythm of fall with school back in session, sports in full swing, a multitude of activities to attend, and don't forget this week started new episodes of our favorite TV shows. And...the NFL refs are coming back!!



I attended a class last week hosted by our lender, which focused on business planning for next year already! It was a shock to start thinking about next year, but in order to prepare it is essential. Have you begun planning for next year? Are you good about extablishing goals and committing them to writing? A study once found that over 90% of people accomplished their goals when they were clearly written down and broken down into small tasks. What would your life look like if you accomplished 90% of what you wanted to do?



A coach of mine calls these 'shoulds'. I should do this and I should do that. He asked me to write down 100 'shoulds'. I had to work hard to come up with 100, but eventually was able to do so. After 1 year, I re-visited the list to find that over 80% of my 'shoulds' were completed. That brings up another thought, what would happen if you could dream a goal and you knew that you couldn't fail? What would that goal be? What would happen if you started approaching that goal as if you couldn't fail? In what ways would your life be different? What is the worst that could happen if you didn't accomplish your goal? I'm curious to know what your dream goal is. Would you share your dream goal with me if I shared my dream goal with you?



My dream goal or Ultimate Scenario is to be able to send both Ana & Natalia to Notre Dame by having a business so strong, which creates raving fans by providing magical service to clients that we are able to help 50 clients each year buy, sell, or build a new home. Additionally, my dream goal is to have our systems so tight and have help with our clients, which allows Brigid and me to travel to Europe for 6-weeks, which is our dream vacation. I have already written this goal down and broken it down into small steps and am on my way to accomplishing it. The most important thing is that I can visualize myself having accomplished this goal. I know what it looks like and how I feel having accomplished it. That is my dream goal. Everyone has a different one. What is yours?



While you ponder that, take a gander at this month's newsletter. Here are some of the acticles you will enjoy:

*The Reward That Keeps on Giving
*Fall into October
*Halloween Tongue Twisters
*6 Weird Facts about Technology
*The Cold Facts
*Personal Productivity Trick
*Pumpkin Carving Tips
*Avoid 'Vicarious' Success
*Liking Living Alone
*Your Body Is A Laser
*One-Liners



Click here to read our October Newsletter.

Enjoy your Fall and the amazing colors that it brings!

Excellent News on Housing Prices!!!

Updated Morgage Stats-Did You Know This?

Updated Seller Stats & Trends

Great Real Estate Stats

Check out these great stats on the recovering real estate market:

Graphic courtesy of Brian Buffini

September 2012 Steve & Jack's Home News

Welcome to the end of summer! With school starting earlier and earlier, it seems like summer is getting shorter and shorter. Ana started 2nd grade last Tuesday and Talia started in the TOTS program at Ana's school last week as well. Both absolutely LOVE their teachers and classmates. We are so fortunate to have such amazing schools! They both attend Maple Glen Elementary in Westfield and we couldn't be happier. Hopefully, if you have school-age children, they had a smooth transition as well going back to school.

With the new school year comes new activities. Ana has taken an interest in voice and piano and has been taking lessons weekly to encourage and improve her skills in both. We have been very happy with her progress, but getting her to practice is not always easy... Ana has also started soccer again and Brigid is her coach once again. Both enjoy it and Ana is also taking an additional developmental practice session for 5-weeks to sharpen her skills. She seems to enjoy that as well. Finally, we signed Ana up (at her request) to sing in the Indianapolis Childrens' Choir. If she likes it, we will probably continue it, but Ana knows she can't do any more activities without discontinuing a current one. Mom and dad have run out of time!!!

Earlier this month our family traveled to Tampa, FL to visit Brigid's parents for a few days and then we took our first Carnival cruise. Over the years, we have taken a couple Disney cruises, a Costa cruise and I took a couple of Royal Caribbean cruises with my family while in college. We were interested to see how our experience would be with Carnival.

Overall, it was quite good and we would recommend Carnival to others. It was a smaller ship and an older ship celebrating its 10-year anniversary while we were on board. We were able to get a good deal and secured a stateroom with a balcony for Brigid and me and then got an adjoining inside stateroom for the girls. That arrangement worked great allowing us to relax on the balcony at night after they went to bed and during Talia's naps.

The food was surprisingly good, except for the last night. The dining room service was extremely slow, however. The shows at night were a disaster and even the crew admitted they were terrible! We enjoyed the family comedy shows early each evening. The Carnival Kids Club was amazing and was actually rated higher than Disney!!! The girls both loved it so much, they didn't want to hang out with us the rest of the cruise! We enjoyed several relaxing dinners and comedy shows, as a result. Our ports of call were Cozumel, Belize, Roatan, & Grand Cayman. We swam with the dolphins in Cozumel, stayed on the ship in Belize as there wasn't much we wanted to do there, took a zip line tour through the forest in Roatan (without the girls, of course), and enjoyed a pirate ship ride in Grand Cayman.

We were lucky that we missed both hurricanes, which came through there the weeks prior and following our trip. Carnival is trying really hard to kick its reputation of being a 'booze cruise' and instead is more of a family cruise now. We had a great time and will probably do it again. If you get the chance to take their 'Behind The Fun' tour, do it!! It was fascinating to see areas of the ship guests never see.

Jack and Mary Anne are both doing well and enjoying taking some trips and playing lots of bridge. I was fortunate that Jack was able to cover for me while we were gone. That is quite a relief knowing your clients are in great hands while you are away.

As for the real estate market, it is still going strong! Closed sales are UP 16.6%, the median home sales price is UP 5.3%, and inventory is DOWN 11.6% to 7.8 months. These are all great numbers and are contributing to one of the strongest years in real estate that we have seen in years.

Enjoy the end of summer and feel comfortable calling us anytime we can help.

Here is a sneak peek into this month's newsletter:
• Better Write It Down
• September Quiz Question
• Have A Peaceful September
• Are You in The Cloud?
• Six Innovative Questions
• Movie Homes for Sale
• Four Interesting Food Facts
• Thrifty Car Management
• You Probably Suspected...
• Early Signs of Diabetes
• Why So Many Zippers Say YKK

Click here to read the September newsletter.

August Steve & Jack's Home News

Welcome to the Drought of 2012! We don't know about you, but the lack of rain is certainly making it very difficult for us to keep our gardens and flower and newly planted trees alive. A couple of weeks ago, we were struck a second time in two years by lighting! It was a direct hit to our roof. Fortunately, no major damage occurred, however we did have to replace a few things...again. Our furnace kicked on and heated the house up to 80-degrees before we knew what was happening.

After two direct strikes in two years, we bit the bullet and are having a lightning rod system and surge protection system installed and attached to all of our lines to the house (gas, both electric panels, phone lines, satellite boxes, irrigation system, etc.). The company is Capitol Lightning Protection based in Fishers and is the only certified lightning protection company in the state. We have been very happy with them so far. According to the stats, we have a 99+% chance of either not getting hit again or absorbing and grounding the lightning such that we don't even know we got hit! Those are pretty good odds!! If you want the contact info for Capitol, let me know and I'm happy to give it to you. With all of the news reports lately of houses getting struck by lightning and us getting struck twice, it was time to do something as next time we might not be so lucky.

August 6th is a big birthday for me, the big 4-0. Brigid's birthday is two day's earlier, but she has a few years before having to emotionally deal with this milestone. It is hard to believe I am going to be 40. Brigid and I are going out to eat to celebrate and then we embark on a cruise to the Caribbean for a week with the kids later in the month. We are very much looking forward to that.

Jack and Mary Anne returned safely from their trip to Italy and, after having a few mishaps (broken glasses, lost luggage for 4 days by the airline, and a stolen wallet), it was a great dream vacation for them. They even had an audience with the Pope! They are happy to be home, however.

Real estate has been extremely busy the past several months. Interest rates have continued to fall and are now around 3.5%!! If you still haven't re-financed and think you might benefit from it, it would make a lot of sense to contact a local lender to see if makes sense for you. I have some names of some excellent lenders if you would like them.

Enjoy the rest of your summer, and please do a few rain dances for us. We need it!!!

Click here to read our August newsletter.

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July Steve & Jack's Home News

Happy Independence Day!!!

We hope you are planning to enjoy some fun festivities over the next week. With the dry weather, it is making personal fireworks' displays more and more dangerous. Should you decide to enjoy some personal fireworks at home, PLEASE be extra careful since the grass is so dry, it can ignite with the smallest of sparks. Have a hose and bucket of water nearby.

We always enjoy attending the Carmel Parade, fair and fireworks show each year. It is always well-organized and has so many entrants in the parade it lasts about two hours! With the heat, it will be interesting to see how long we last.

It goes without saying how thankful, grateful, and appreciative we are of our servicemen and women who have fought for our freedom we have enjoyed for over 200 years now. Freedom certainly isn't free. Thank you to everyone who has sacrificed for each of us to live as we do-servicemen and women, their families, and their friends. We are forever grateful and could never adequately convey that gratefulness through any words, so THANK YOU will have to suffice...

Our family is anxiously awaiting the start of the Olympics. We enjoy watching it every year. What a fantastic show of true sportsmanship and coming together as a global community to support our athletes and nations.

Brigid just finished a HUGE project in re-finishing a dresser and bunk bed for Ana. She didn't just re-finish it, but also added bead board, trim, and decorations. In addition, she built, yes built from scratch by herself a desk for Ana complete with a bookcase, drawers, and a hutch over the desk with lighting, bead board, trim, and routed all of the corners. It looks amazing!!! I am so proud of her!

Ana and Natalia are attending summer camp at Maple Glen this year and they both absolutely love it!! It is a great program and we have been so pleased with how well-organized it is. As an update to Natalia and her potty training, she is pretty much potty trained and has very few accidents. We are so excited and appreciate all of the suggestions you sent last month. Thank you!!

As for the market, it continues to improve. Indy was named again as the Most Affordable City in the Nation! Our Hamilton County Schools are all ranked in the Top 10 in the state. Closed sales are up 15.8%, pending sales are up 9.1%, new listings are down 1.7%, median sales price is up 6.1%, % of original list price received at sale is up 0.3%, months supply of inventory is DOWN 20.3%!! Every single one of these statistics is OUTSTANDING! Interest rates today for a 30-year fixed conventional loan is around 3.687%! If you have a rate in the 4.5% or higher range, you would do good to talk with a lender to see if it makes sense to re-finance. If you needs some names of some great lenders in the area, please let me know.

Enjoy this month's newsletter with some of the articles being:
*Count Your Blessings
*July Quiz Question
*Running of The Bulls
*Invention of The Popsicle
*Vitality Makes Life Easier
*Olympic History
*Bizarre Vacation Ideas
*How to Not Get Hired (very funny!)
*Remove Wax from Carpet
*Tips on Homeowner's Insurance
*The Art of Scrambling Eggs

Click here to read the July newsletter.

Happy July!!!