May your Holidays be Grand, yet bring you Peace with family and friends!

  Let's also keep the families involved in the recent tragedies and weather related disasters in our thoughts and prayers this Holiday Season!

Interest Rates

Horizon Bank reported these rates this week.

  F.H.A. V.A. and Rural Development 3.25% 30yr.

  Conventional 30yr 3.50%

  • Conventional 15yr 2.875%

  The feeling is that the coventional rate may drop slightly after the first of the year.


Winter Activity in the Market

A soft beginning to our winter may be playing a part in the current sales activity in Southwest MI.

  We are starting to see a lack of quality inventory in some price ranges and areas. Most Real Estate offices are reporting a flurry of business that is un characteristic for this close to the Holidays let alone being December. I myself have multiple transactions to try to close before the end of the month. I put together an accepted offer in St. Joseph yesterday, and just received a call that I have an offer coming on a listing near New Buffalo.

Positive signs for housing recovery leading to a more balanced market.




Paul Dumke

Real Estate Consultant

ABR, GRI, E-Pro Notary Public

2011 Realtor of the Year SWMAR

2012 President SWMAR