Roseann Moves Houses! 
Welcome to my web site! I hope that you will find the information useful and easy to access.
I am grateful to all my clients, past and present, for the faith and trust they have bestowed upon me.
The greatest compliment that I could receive is the referral of my services to friends and family members. I promise to treat anyone referred to me with the utmost professional commitment and personal care. -Roseann
Did You Hear? USDA home mortgages are back!
What are USDA Home Loans? 
USDA stands for United States Department of Agriculture. A USDA Mortgage provides a low-cost insured home mortgage loan to buyers within a certain income limit who plan to puurchase a home in a rural or sem-rural setting.
A USDA Guaranteed Loan is 100% Government insured and serviced by direct lenders that meet federal guidelines.
NO DOWN PAYMENT! NO PMI! Loan terms are for 100% financing therefore no down payment is required. There is no monthly PMI, but USDA loans require a 3.5% (formerly 2%) Guarantee Fee that is financed into the loan. Since there is no monthly PMI the mortgage payments are typically less than other loans.Rural areas include open country and places with population of 10,000 or less and—under certain conditions—towns and cities. There is an automated rural area eligibility calculator at: http://eligibility.sc.egov.usda.gov.
- Curious about mortgage interest rates?
- Need a mortgage pre-approval?
- Want to know more about USDA loans?
- Thinking about refinancing?
Call Corey, our in-house home mortgage consultant.
HomeSale Lending, LLC is now an affiliate of Wells Fargo Home Mortgage. Corey Kimple is an integral part of our HomeSale team. He is never too busy to answer your mortgage loan questions. You will receive prompt, courteous and professional service from Corey. He takes pride in being thorough and going beyond what clients expect.
Contact Corey today for a complimentary mortgage consultation.
Did you know? The Prudential corporate logo
was inspired by the Rock of Gibraltar!
Welcome Perspective Buyers with Confidence
First impressions are lasting ones! When placing your home on the market, it is critical to spruce up the outside as well as the inside. Looking at your home through the eyes of prospective buyers means just that...putting your emotional attachments aside and examining the lawn, sidewalk, front steps, railings, porch, front door, bushes and other landscaping objectively. What this means, is for you to imagine that you are discerning buyers. Details do matter! If buyers are greeted by cracked sidewalks, crumbly steps, peeling paint, loose or rusty railings, out-of-control bushes, crabgrass, and, heaven forbid, cobwebs hanging from the front door, they tend to form a negative impression about how the interior of the home has maintained. It only takes two or three seconds for this subliminal message to formulate in the brain. Even if you do not have a fancy entryway, you can optimize the buyers' approach to your home by strategically placing colorful flower pots, trimming hedges and bushes, cleaning the porch steps, and, if necessary, hiring a professional to shore up steps and secure railings and bannisters. Nothing is more inviting to buyers that a clean, crisp, and fresh entrance to your home, something that will set the mood for something better to come once inside.
IRS Guidelines & Form 5405- Home Buyer Tax Credits 
MOVE TO HUNTERS GATE- an attractive new-home community of luxurious homes in the mid-300s and upper-400s, is nestled in the Cumberland Valley. Accommodating only 19 home sites, Hunters Gate is located off of Lambs Gap Road in Hampden Township.
Ground-breaking news! Classic Communities, has begun construction of a spacious two-story home on Lot. 4 on Appaloosa Drive. For more information, please contact me at (717) 497-3936 or at rannis@prudentialhomesale.com.
Directions: Rte. 81 to Wertzville Exit (Rte. 944). R/Wertzville Road for .5 mile to Lambs Gap Road. Follow for .5 mile to Hunters Gate. L/Hunters Gate...LOOK FOR NEW CONSTRUCTION!
Classic Communities Corporation 2151 Linglestown Road, Suite 300. Harrisburg, PA 17110. 717.901.9311. info@classcorp.com
Money Saving Tip- "The 5-Year Plan"
Buying a home is probably the largest single investment you will ever make. Each time you buy and sell a house, you pay significant transaction fees such as 1% transfer tax, mortgage lender fees, title insurance, and pre-paid taxes, for example. Plan ahead! Project where you want to be in 5 years, the average length of time it takes to recoup initial closing costs and build some equity in your home. Consider location, size of home, school district, and nearby amenities when making your purchase. Look for a home which you could maintain and improve during your ownership in order to maximize your net proceeds after selling it and moving up to the next one. Do your "home work" by keeping track of sales prices in your neighborhood and comparing your home's amenities and overall condition to those which have sold. Remember, though, that the real estate market fluctuates, so don't become fixed on a particular range. Rather, keep current by getting periodic "market snapshots" from Internet-based programs..
"House Talk" by Roseann
Palladian window A large window that is divided into three parts. The center section is larger than the two side sections, and is usually arched. Renaissance architecture and other buildings in classical styles often have Palladian windows.
The term "Palladian" comes from Andrea Palladio, a Renaissance architect whose work inspired some of the greatest buildings in Europe and the United States. Modeled after classical Greek and Roman forms, Palladio's buildings often featured arched openings.
Architectural Shingles Architectural shingles, also known as laminated or dimensional shingles, create a distinctive 3-dimensional appearance on the roof line. They are designed to last for 30-50 years. Considered among the highest quality roofing products, architectural shingles do not require additional support under the roof. Attractive to builders because of their ease of installation and ability to withstand extreme temperatures and severe weathering, architectural shingles are often available with a lifetime warranty. It is the combination of asphalt and minerals that makes architectural shingles strong and flexible.
Mansard or Mansard Roof
A style of hip roof characterized by two slopes on each of its four sides with the lower slope being much steeper. The story formed by a mansard roof is usually called the garret.
Balustrade A row of short, upright columns or urn-shaped supports and the railing connecting them. Used as a stair rail and also above the cornice on the outside of a building.
Did you know?
An FHA loan is a federal assistance mortgage loan in the United States insured by the Federal Housing Administration. FHA does not make loans. Rather, it insures loans made by private lenders.
WHY trust me as your REALTOR? I pledge to listen to your real estate needs and concerns and to research your options carefully and thoroughly.
HOW can I help you? By working on your behalf in a cooperative manner utilizing the state-of-the art professional and technological services offered by Prudential Homesale Services.
WHAT are you specific real estate needs and goals? I can help you to identify them and offer appropriate ways to address them in a timely manner.
HOW do I provide value beyond any specific costs you might incur? I am a trained communicator, negotiator, and problem-solver. I can save you time, money, hassle, and inconvenience by anticipating problems before they occur. Risk management is a high priority.
WHEN can we start? If you are considering a home purchase or sale and would like to explore resources and options available to you, we can begin with a professional consultation NOW!
My Links
Not only do I have local information on my site, but I have also put together the following links that you may find useful. Please note that all links will open in a new window.
