The only thing constant is change...

Wow, that's a big logo. Not sure how to shrink it, so I'll only keep it here for the month.

Lots of news in Real estate this month, but I'm saving that til last... Lauren delivered the twins she's been hiding from us for the last several months on 1/10/11. Dave tried to talk the nurse into waiting til the cool birthday but none of the women would cooperate. Jaxon Paul came first at 6 lbs and some change and Carson Michael hit the streets at just under 5 lbs. both about 19 inches long. Good thing they came, it looks like Jaxon was hogging all the food from his brother in there.

Mom and babies are doing great (see pics lower right column). So 4 kids under 5, and 3 under 1 year old... glad I set the diaper standard for grandpa early (none ever). :0)

Jessy & Anthony came to visit over the holidays for a couple weeks... we had a great time, shopped ... a lot... and took Anthony out to teach him how to shoot clay pigeons. He's a quick study, and after his first confirmed hit, his football nature came out and it turned into a competition. I don't want to tell you who lost, but it wasn't the rookie.

Yours truly made an office change just before Christmas. Real Estate One in Troy is where I hang out these days. I mailed my 2011 calendars with the new business card. If you didn't get one, the post office goofed, or I don't have your current address. send me and e-mail, and I'll shoot one out a.s.a.p. All my contact info remains unchanged so please and thank-you... feel free to send me your referrals as always.

On to Real Estate news. Across the board Realtors are talking more and more optimistically about the state of our market for 2011. Interest rates are inching up, but remain under 5% (4 3/4 - 5%) lately depending on credit scores and type of mortgages and length of mortgage.

If you were one of the unfortunate group that fell on hard times 3 years ago and had to either short sell or were foreclosed on... depending on the type of mortgage you apply for, you might be in the clear to gain approval for a new mortgage. Bankruptcy requires a 2 year wait, FHA loans and victims of short sale a 3 year wait.

If you are anxious to jump back into the property ownership game, and want more information, give me a call... I'll turn you over to the right individual. Then lets start looking for that deal.

May 2011 bring you health wealth and happiness.

Dave & Kelly Henderson