There's a movement spreading from one Main Street to the next across American communities: Buy Local. It teaches a community's residents about the benefits of buying from locally, independently-owned businesses. By supporting Saint Joseph's locally-owned and operated businesses, you can have a dramatic effect on Saint Joseph's local economy and help to preserve the character and spirit of our Southwest Michigan community.
Saint Joseph--better known as the Riviera of the Midwest—has almost anything you could ask for. Our agents from Cressy & Everett Real Estate live and work in the community and know the area well. We value the beautiful homes in Saint Joseph, Michigan and appreciate the downtown area's impressive walkability.
If you're an architecture aficionado in South Bend, Indiana, you're in luck. While the Windy City gets all the glory for its architecture tours, you don't have to drive all the way to Chicago to experience Art Deco office buildings from the 1920's or Classical Revival hotels from the 1890's. Right here in South Bend, we have more than 20 well-preserved buildings that show off the best of American and European architectural styles from the past 130 years. And on the first Friday of every month, a local history expert leads a downtown walking tour that highlights them.
"Then & Now: A Downtown South Bend Architecture Walking Tour" leaves at 5:30 from the American Trust Co. clock, and its route varies according to the season. Whether you're a history buff, an art student, or just a South Bend resident who's curious about the city you call home, this monthly walking tour is a great opportunity to learn more about our historic downtown area.
Buying a house is a major decision. Your first real estate purchase will be the biggest investment you've ever made, and it will stick with you for years to come, in the form of principal payments, interest charges, and other fees. That is s why it's so important to slip out of your wide-eyed newbie mode, and develop some strategies and skills that have served countless home buyers before you. Instead of buying a house blindly, make sure you are aware of these common mortgage mistakes, and how you can avoid falling into the same pricey trap.
Coming up with the down payment for a home is one of the biggest roadblocks for many first-time buyers. Many lenders require a down payment of 20 percent, which can be quite a chunk of change. Although there are lending programs that can take that percentage as low as 3.5, with 20 percent you'll have a better chance of getting approved for a loan, a lower interest rate, more equity in your home, and a lower monthly payment. There are closing costs to consider as well. While saving for a house may seem daunting, there are simple ways to cut costs and squirrel money away.