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There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.
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Michael Richter
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Read What People Are Saying About Me We always ask my clients to write or email me, and tell me truthfully how they appreciated my service to them. Their feedback is so important! Here are a few highlights of what people are saying about me...
"We dropped our realtor and chose Mike"
"We dropped our realtor and chose Mike who not only found us a buyer but was also able to negotiate our asking price in a very tough market."
The Golden Family!
Buyer
We were looking for a Realtor...
Michael & Nicole Ferrara
Happy Buyer!
"I would recommend him without hesitation to any of my friends.”
Viki & Dan
Investor
He is one of the most patient, energetic, knowledgeable, and above all, persistent agents/persons I have ever met.
Beth & Mark Bukata
Seller and Buyer
We couldn't agree on what we wanted in a house...
Mary Molnar & Chris Fretz
You have a story to tell about me. You've worked with me, and I've helped you buy or sell a home. We need your feedback. Others need your feedback, too! Please take a moment to fill out this form and tell me how I did... 
Making An Offer >Creative Offers
Putting together an offer on a home is easy if the buyer has a lot of money, a terrific job and impeccable credit. Many buyers are not in that precise situation, however. And while sellers like to get their asking price, good listing agents prepare them for the possibility of receiving offers that involve some compromises.
Successful real estate agents know how to put together creative offers and do whatever it takes to make a transaction work. If a buyer is low on cash, the agent may structure an offer that shifts closing costs to the seller, minimizing the amount of cash that the buyer needs to close. A variation of a lease purchase arrangement might be effective if a buyer has recently changed jobs or is self-employed. Owner-financing for part of the loan can make a difference in some cases. If your agent brings you a complex offer designed to get a buyer into your home, don't say "no" until you understand the offer.
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| Q |
What is a VA home loan?
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| A |
The Office of Veterans Affairs guarantees small or no-down payment mortgage loans made by lenders to U.S. veterans. |
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