Happy New Year!

Tomorrow brings another day and year! 2012 has certainly been a year to remember- economically, nationally as well as personally.

Trulia.com put together the 5 top "In" real estate trends for the new year. Here is a quick look:
1. Out: Will Home Prices Bottom: In: Will inventories Bottom?
Prices have hit bottom- now the question is will there be enough inventory to help stabilization
2. Out: Robo-signing Settlements In: New Mortgage Rules
In 2013 the new housing policy drama will be trying to prevent a future housing crisis rather than dealing with the last one
3. Out: Improving Housing Affordability In: Declining Housing Affordability
Rising mortgage rates will reduce affordability
4. Expanding Refinancing to Stimulate the Economy In: Cutting the Mortgage Interest Deduction to Fix the Budget
5. Out: National Housing Policy In: "Localized" Housing Policy
Housing issues to be tailored towards local issues and economy

Read full article here

A new year brings new resolutions. If you are promising yourself to organize and de-clutter your life this coming year, here are some tips to get you started.
I love to de-clutter and I hope this year to become even more of a minimalist. It feels so "free" to have only the essentials, plus your home looks so much better with less crap everywhere!

• How to Get Rid of Stuff and Declutter Your Life

  You can get that warm, fuzzy holiday feeling and make a few bucks by responsibly ditching all the excess stuff you accumulate, particularly at this time of year. Read

Visit houselogic.com for more articles like this.

Copyright 2012 NATIONAL ASSOCIATION OF REALTORS®

Monday Morning Coffee

EEEK! Only 2 more weeks in 2012! Have you put together your New Year's Resolution?

Some of you may be looking to purchase a home next year, but how will you come up with the downpayment?

Trulia.com has come up with some ideas:
"...Whether you’re trying to scrape by with 3.5 percent for an FHA loan or you’re planning to put down a full 20 percent, saving for a down payment might be the largest savings endeavor you ever undertake, after retirement planning.

But don’t let that daunt you. Look at it as more of a challenge or a game than a slow-slogging deprivation-driven chore. In fact, I suggest that you add something to your scrounging and saving: scavenging. Finding your down payment money hidden in resources that are right in front of you can be a fruitful and fun angle to take on an otherwise overwhelming goal.

Use this short list of oft-untapped down payment treasure troves to open your eyes to funds that might be hidden in plain sight:

1.  Your budget’s biggest line items. I like to get maximum bang for my buck. And I like to enjoy my life, too, so depriving myself of little luxuries without getting much mileage toward my goal is definitely low on my savings strategies list. But I’ve often found that if you take your top 10 or so monthly expenses, there are almost always at least one or two that you could slash significantly or totally do without, push come to shove: all without feeling as deprived as you would if you cut your daily coffee.

Home buying is one of those push-meet-shove-type situations. If you’re serious about coming up with your down payment funds, sit down during your holiday off-days, and backtrack over your monthly budget (if you have one) or your last month’s checking account statements. Isolate your top 10 budgetary line items and do an internal gut check on whether there is anything on this list that you can slash or eliminate.

If this seems obvious or silly to you, don’t scoff before you give it a chance. I have seen buyers do this exercise and decide to:

• move home or to a cheaper place to eliminate rent
• go from two cars to one to eliminate a car payment
• cancel cable or switch cell phone service providers to get rid of a hundred bucks or more every month, pressing fast-forward on their down payment savings and home buying plans by many months, even years.

2.  Your bad habits. Have you heard yourself say - out loud or internally - I’ve got to stop:

• smoking
• drinking so much
• eating out so much
• eating so much junk
• watching so much TV
• drinking so many sugary coffee drinks
• impulse shopping
• OSUI:  Online Shopping Under the Influence (it’s a real thing - I promise!)

- or anything in that vein? Well, each of these are bad habits that cost. And because they are  often engaged in compulsively, they can cost much, much more over time than you have any idea you’re actually spending.  

Again, far be it from me to suggest that someone who works hard every day shouldn’t treat themselves to a coffee or lunch here or there. The fact is, if you deprive yourself too severely, there’s a good chance your efforts to cut back and save will be very short-lived, and possibly even backlash into binging behavior.  But if there’s a habit you’ve been wanting to change for health or other reasons that also costs you a pretty penny, you might find it easier to make those changes when you know you’re doing it in service of your vision of owning a home.

Figure out roughly what you’re spending on your bad habit, and set up an automatic saving transfer from your checking account into your down payment savings account.

3.  Your stuff.  When you need to save money, there are really only two levers you can pull: you can spend less, or you can make more. Selling stuff you have and don’t use or need is a relatively painless way to make more money to go toward your down payment.  If you’re really serious about home buying, put everything on the table.

I’ve known buyers-to-be who sold any and everything, including:

• cars and motorcycles
• clothes, costumes, shoes and handbags
• hobby-related gear (bikes, tools and even costumes)
• furniture and antiques
• and electronics, CDs and even books (think: TVs, computers, old smart phones, etc.) to fund their down payment and home buying-related debt elimination plans.

Don’t underestimate the amount of cash you can bring in from the stuff you already own.

4.  Your skills and time.  One way to make more money, as discussed above, is to liquidate the things you have lying around. Another way is to get to work! Spend your off-time, your evenings and weekends leveraging your professional skills or personal hobbies to bring in some extra cash. A friend of mine recently had a savings target she was trying to reach and actually sent her whole circle of friends an email detailing (a) what she was selling and (b) what sorts of projects she was willing to do to get there - she earned well into the four figures, in less than a month.

Maybe you can sew or knit stuff to sell on Etsy, grow things in your backyard to sell at the farmer’s market or, like one enterprising Mom I know, use your baking and cake decorating skills to monetize your kids’ classmates’ birthday parties. Or maybe you’re more interested in cooking, house cleaning, babysitting or dog walking - in fact, another acquaintance of mine has earned thousands of “extra” dollars dog sitting while she works at home. If that sort of thing is not up your alley, think about whether you can help people you know with their small business projects, like research, bookkeeping or office organizing projects.

Once you get serious about coming up with your down payment cash and decide to be creative about where to find that money, using your skills and your time creatively is a power-packed way to open the financial floodgates. Consider starting out with a simple email to your circle of acquaintances or by listing your services on a site like TaskRabbit.

5.  Your loved ones.  Some folks are fortunate enough to have cash-flush loved ones who would love nothing more than to help you have a home of your own. The best case scenario is to have some idea of what sort of gift money you can count on as far in advance as possible, as it will impact your own savings targets and your lender’s documentation requirements. If you have a parent, sibling or auntie who has mentioned their interest in giving you this sort of gift, it’s not bizarre to bring the subject up, express your gratitude and let them know that you’re planning to buy in 2013 so you can have a detailed conversation about logistics - including their financial, tax or estate planning pros, if it makes sense.

Alternatively, if your home buying plans are timed alongside your wedding plans, graduation plans or new baby due date, consider opening a down payment registry, so well-wishers can funnel their gift funds right into your real estate savings. For example, the federal Dpeartment of Housing and Urban Development (HUD) allows small gifts to be combined in a single savings account and eliminates otherwise onerous gift money documentation requirements with the FHA Bridal Registry program, which is available around weddings and “other legitimate occasions where substantial gifts are typically received by an individual or individuals.”

Touch base with your lender and agent to see whether there are any registry programs that might make sense for your situation.

Finally, buyers who decide to team up with their BFFs, siblings, parents or other loved ones to buy a place they can jointly own and/or live in might be able to structure things so that they have to come up with less down payment money than they would otherwise - the co-buyer comes up with the rest!  Think about whether this sort of arrangement might help you and your loved one accomplish your respective financial and real estate goals, in one fell swoop.

6.  Your employer. Believe it or not, some employers actually offer down payment and other forms of mortgage assistance to employees. In particular, universities and governmental agencies that employ first responders who are required to live locally for their jobs (e.g., police, fire and other emergency personnel) often have housing assistance programs that can include down payment funds or access to mortgage programs with lower down payment requirements.  

Even if you don’t work for one of these sorts of agencies, if you are relocating for work, touch base with your HR department to find out whether there are any relocation benefits that can help you make up the difference between the cash you have and the down payment you need to make your move.

7.  Your city, county or state.  What you’ve heard is true: there are few, if any, down payment assistance programs still available on a national level. But many states, counties and cities offer their own down payment assistance programs, which are generally available to folks falling into one or more of the following categories:

• first-time buyers (people who haven’t owned a home in the area in the last 3 years)
• buyers in low- or moderate-income brackets
• or those buying homes in a particular part of town.

Your mortgage pro and real estate agent should be able to help you track down any such local programs applicable to you. In fact, this is one great reason to touch base with them at the beginning of your down payment savings adventure versus waiting until the end. But make sure you read up on the programs extensively before you decide to opt into one. Many of them run out of cash over the course of the year, so shouldn’t be counted on; others may require you to repay any assistance received if and when you sell or move - things you should keep in mind at the outset.

Holiday Cheer:

Ardmore Patch recently posted a recipe for one of my favorite things- Eggnog!

 Eggnog

• 3 1/2 cups milk
• 1 1/2 tsp vanilla extract
• 1 tsp ground cinnamon
• 1 cinnamon stick
• Pinch of ground clove
• 6 egg yolks
• 3/4 cup sugar
• 1 cup heavy cream
• 1/4 tsp nutmeg
• 1 cup spiced rum (optional)

In a saucepan over low heat combine milk, vanilla extract, cinnamon, cinnamon stick and clove. Bring to a slow boil (this will take between 5-7 mins). Once the milk mixture starts to boil remove from heat and leave cinnamon stick in for a couple of minutes, then remove. Put egg yolks and sugar into a bowl. Using a hand held mixer, mix them until pale and fluffy. Pour the hot milk mixture into the egg yolks and mix on low until well mixed. Pour the mixture back into the pan and heat over medium heat for about 5 minutes, stirring constantly, until thick and creamy. (Make sure you don't let it boil or the eggnog will curdle.) Stir in the rum (optional), heavy cream and nutmeg and refrigerate overnight. Serve with a sprinkle of cinnamon.

Monday Morning Coffee

Market News:

The National Association of Realtors (NAR) has completed it's 2012 survey of the typical home buyer and seller. They compiled a profile of who was buying and selling over the past year.

Here are some of the highlights:

65% of recent home buyers were married couples - the highest share since 2001. Conversely there was the lowest share of single buyers since 2001.   For 52% of home buyers, the first step in the home buying process was taken online. 89% of buyers purchased their home through a real estate agent or broker, similar to last year's report - a share that steadily increased from 69% in 2001. 88% of sellers were assisted by a real estate agent when selling their home.  Approximately 2/3 of home sellers only contacted one agent before selecting the one to assist with their home sale.

Holiday Fun:

One of my favorite parts about the holidays are the Christmas lights. Ever since I was a little girl we would drive around various neighborhoods to check out all of the lights and decorations. The newer trend of synchronizing lights with a song is fun to watch too!

MSN.com just posted Gangnam song light show which is pretty cool!

Your Holiday Entertaining Guide

One of my favorite parts about the holiday's are the get together's with family, friends and colleagues. I know it can also be the host's most stressful part about the holiday's too! 

Homes.com has put together a guide to help ease your stress and hopefully allow you have some fun this season.

The guide offers tasty recipes, pre-party checklists, decor ideas, and much more! I think it's a great tool to use this season. 

Enjoy :)

Homes.com 2012 Holiday Entertaining Guide

Monday Morning Coffee

House Hunting Tips:

Trulia.com has put together 5 Unexpected Upsides of Off Season House Hunting:

1. Less Competition

2. Super motivated Sellers

3. Opportunity to spot Hidden Gem properties

4. Keep personal finances in check

5. Money pits become more clear

To get the more inforamtion, contact me! I can email you the full brochure

Philadelphia Winter Date Ideas:

I recently "Pinned" the top 10 Holiday date ideas. Here's are a few that I'd like to do:
-Blue Cross RiverRink
-Longwood Gardens light show
-The Nutcracker at the Academy of Music

See full list <<here>>

Monday Morning Coffee

Market News:
In Montgomery County, PA the inventory accumulation has decreased compared to last year and sale prices continue to stabilize.
Inventory:
October 2011    October 2012
4,977                 4,175

Settled Homes:
October 2011     October 2012
483                     507

Median Sale Price:
October 2011      October 2012
$247,000             $246,000

Home Tips:
Traditionally, after Thanksgiving the Christmas lights go up. Are you debating between LED lights or traditional bulbs? Here are some tips for the new LED light options. 

• LED Holiday Lights: 6 Need-to-Know Tips

  LED holiday lights vs. old-fashioned bulbs: 6 tips to help you decide which is right for you. Read

Visit houselogic.com for more articles like this.

Copyright 2012 NATIONAL ASSOCIATION OF REALTORS®

Monday Morning Coffee

While you're spending time with family and friends over the upcoming Thanksgiving holiday weekend,  there's a good possibility the topic of housing would come up. Maybe someone got a new job and needs to move, or a rental lease is ending soon and they are debating on what to do, or your Aunt and Uncle want to downsize now that the kids are out of the house.
This is a great opportunity to tell them you know a Realtor that is happy to answer any questions and assist with their real estate needs.

The process of buying a home changes often. So even if your friend or family member is a seasoned home buyer, it is beneficial to speak to a professional to get an idea of their local market and learn the necessary steps to take.

Always feel free to pass my information along:
Kelly Kneeland
484-343-2406 Direct
KSKneeland@gmail.com

Wishing you and your love ones a wonderful Thanksgiving day celebration!

October Updates

Real Estate Market News:

October 2012 Real Trends Market Report:

The October 2012 report shows that the rate of housing sales increased dramatically on an annualized basis over a year ago.  Overall, October 2012 new and existing unit sales were up 23.3 percent from a year ago.  The annual rate for October of 2012 was 5.699 million up from the 4.623 million recorded in October 2011.

The average price of homes sold increased significantly rising 9.0 percent from October 2011 to October 2012. 

November 12, 2012 – The REAL Trends Housing Market Report showed that the combination of new and existing home sales in October 2012 strengthened from the prior year.  The annualized rate of the combination of new and existing home sales increased to 5.699 million up from the 4.623 million recorded in October 2011.

The average price of homes sold in October 2012 was up 9.0 percent from the average price of homes sold in October 2011 marking the seventh consecutive month of increased home sale prices. 

Home Maintenance Tips:
Keep up to date on Outdoor Fall Chores that will PAY YOU BACK!
Yahoo! Homes

Monday Morning Coffee

Today we honor those men and women who serve and protect our freedom. Thank you for all you do and have done for our country. You are our real heroes!

Find out where you can participate in ceremonies around Philadelphia:
Veteran Day ceremonies

Monday Morning Coffee

My thoughts and prayers go out to the families that have lost their homes or are still suffering from hurricane Sandy. 

The Storm may Prompt Mortgage Relief:
"The government-controlled mortgage finance giants said Tuesday that mortgage companies that collect payments for them can give breaks to homeowners affected by the storm. The aid will come in the form of a forbearance plan, which allows homeowners to delay payment on some or part of the loan, but the amount is still owed.
Fannie Mae said it allows mortgage companies, also known as loan servicers, to temporarily suspend or reduce a homeowner’s mortgage payments for up to 90 days without reaching the homeowner. After that, homeowners may get additional aid, typically for up to a year."
More information <<here>>

**Don't Forget to Vote Tomorrow, November 6th!**
Get Pennsylvania Voter information at https://www.pavoterservices.state.pa.us/Pages/SurePortalHome.aspx


Home Storage Tip:

• 

  Low-Cost Kitchen Storage: Cheap Stress Reduction

  Low-cost storage strategies bring calm to your kitchen, banishing stress-inducing clutter and leaving the space orderly. Read

Visit houselogic.com for more articles like this.

Copyright 2012 NATIONAL ASSOCIATION OF REALTORS®

Monday Morning Coffee

Much of the East Coast is being affected by hurricane Sandy today. For update to date information follow the storm on Facebook:
http://www.facebook.com/HurricaneSandyOfficialPage

Most people have off today, so no need to travel. Please stay safe!

If your home does get any flooding, here are some tips on what to do within the first 24 hours:

1. Avoid additional risks- turn off water and electrical sources to the home
2. Take pictures- primarily for insurance coverage purposes
3. Protect you health- wear rubber boots and gloves. Throw out any food that's touched the flood water
4. Call your insurance company
5. Find out if your in a disaster area
6. Remove water- use sump pump or wet vac
7. Mitigate mold damage- remove carpet or bedding
8. Secure the property

Get more information and details here

Monday Morning Coffee... con't

I'm bummed, I wrote up my blog at 7am on Monday Morning, published (I thought) and it didn't publish or entirely save!

I wanted to share some fun and affordable Fall decorating tips!
Better Homes and Garden has a list of 20 ideas to get your home in the Fall spirit. Here are some of my favorite:
1. Fall-hue Dining Table- put together some small orange pumpkins as a centerpiece and use red or yellow placemats
2. Double Duty Decor- draping Fall colored or patterned blankets on chairs and couches
3. Seasonal Kitchen Display- input pumpkins and accessories on your open shelving in kitchen or dining room along with your dish ware that is displayed year round
Full list here:

http://www.bhg.com/decorating/seasonal/fall/fall-decorating-ideas/

Monday Morning Coffee

Happy Monday! Hope you had a chance to enjoy the beautiful weather this weekend!

Market News: 
Trulia.com just posted a blog on the 5 tops PAYOFFS to close on a home before 2013.

1. Take advantage of the Mortgage Debt Relief Forgiveness Act benefits: set to expire December 31, 2012 this act allows current underwater homeowners to avoid some extreme tax burdens. Obviously, I would suggest speaking to your tax professional for more information and qualification.

2. Reduced competition: Summer is typically a "hot" buyers market. With that said, if you are looking in the Fall and Winter months, you will be competing against fewer buyers.

3. Increased motivation from all parties at the table: Face it, who likes to go treking out in the snow to see a home? If buyers are out looking and sellers are preparing their home for a showing, they are serious. Another benefit is banks and asset managers are eager to get properties off their books before the end of the year= more consideration, responsiveness and speed on their end.

4. Transaction- related tax deductions: Mortgage interest paid in 2012 will be deductible in 2013, that means you need to close by November. There are other tax deductions- check out www.irs.gov

5. Interest Rate certainty: There's an election coming up, which brings some uncertainty. Closing by the end of the year is the only failsafe way to lock in historic low interest rates for the next 30 years.

Full Article

Monday Morning Coffee

Happy Columbus Day! I figured a lot of you may be sleeping in, so your Monday Morning Coffee may be at 12:00 pm, not 7:00 am :)

Fun Facts:
Here are some 5 misconceptions about Christopher Columbus from MSN.com:
1. Columbus set out to prove the world was round.
Ancient Greek mathematicians already proved the earth was not flat 2000 years prior to Columbus. However, Columbus under estimated the Earth's circumference, that is why he set out West to find Asia.
2. Columbus discovered America.
Columbus actually came across the Bahamas and then the island named Hispaniola, now split into Haiti and the Dominican Replublic. On his subsequent voyages he went farther south, to Central and South American. He never got close to what is now call the United State. 
3. Columbus introduced syphilis to Europe.
An outbreak of syphilis occurred in Naples in 1494 during a French invasion, just two years after Columbus's return. However, it probably existed for a millennia in Europe before, but was simply not well understood.
4. Columbus died unknown in poverty. 
He wasn't rich when he died, but he wasn't impoverished. He was denied most of his profits of his discoveries, but his heirs eventually secured significant amount of riches.
5. Columbus did nothing significant.
He did establish knowledge about trade winds and was the first European to stay which created a permanent presence of Europeans in both North and South America. 

Check out the full article <<here>>


Market News:
September unemployment rate drops to 7.8%- first time it's fallen below 8% since February 2009. In addition, the economy added 142,000 jobs in August. 
There's still speculation and need for improvement, but it needs to start somewhere...
Read full CBS News article <<here>>


Weekend Fun:
This weekend if the Junior League of Philadelphia's 3rd Annual 'Taste of Fall' fundraiser! On Sunday, October 14th come out to the Smith Memorial Playground and Playplace for food, drinks, and fun! Bring the whole family!
<<Learn more and buy tickets here>>

Monday Morning Coffee

My second week of the Monday Morning blog did not go as planned, but better late than never!

Market News:
Two reports today (Tuesday, October 2) confirmed an uptrend in home prices. The S&/Case-Shiller home price index of 20 major cities increased 1.2% in the 12 months ended in July. The Federal Housing Finance Agency reported its measure of U.S. home prices increased .2% in July over June. That rise capped off seventh consecutive monthly gains. 
Read full story at WSJ.com

Home Maintenance Tips:

Yahoo.com has a nice article about Top Home Improvement projects to do this Fall. Here is a snippet of ones I think are very beneficial:
1. Roof Repair or Replacement. It's important to have a sturdy, leak proof roof before the winter snow and sleet. Get it checked out now while the weather is more cooperative.
2. Window Replacements. It's easier to install new windows with milder weather, plus new windows provide more insulation which could bring winter heating costs down.
3. Heating Systems Checked. Just like getting your AC checked in the Spring to make sure it works properly, you want to check your heating systems to make sure they are good to go. This is where a service contract comes in handy, but if you feel comfortable you can always check the systems yourself.
4. Concrete and Mortar. Cold air does not work well with concrete or mortar, so if you have cracks in your driveway, repair them now in the warmer months. If it freezes, it won't set properly. 
To read more tips and details <<click here>>


Local Fun:
Sunday was the launch for the popular Center City Restaurant week! 

Visit OpenTable.com to book your reservations. 

Monday Morning Coffee

I know I'm not the best or most consistent blogger. However, I want to change that so I've come up with a few new strategies! The first thing I'm implementing is a Monday Morning Coffee blog. Every Monday I'll blog about community events, local market news, home maintenance tips, and any other relevant information I feel like sharing that you can read while preparing for your new week. I think it will be informative and fun! So here we go...

Market News:
In Montgomery County, inventory was down and prices were steady in August, 2012 compared to August 2011. Both sold homes and pending sales are up this year showing signs of a strong market for the remainder of the year. 

Home Maintenance:
Fall is upon us which means fallen leaves, lots of them! How do you dispose of them? First, check with your township on their rules on baggin, blowing, burning and disposing. They often require specific bags and sometimes only allow leaf blowing on certain days. Once you have a clear understanding of your town ordinances follow these tips once you have gathered your leaves in a pile:
Bag them- Use sturdy bags and be sure to get a lot of them. Checkwhat day your town picks the bags up
Let leaves degrade- Compost piles love dead leaves. They will decompose faster if you shred them first. If you don't want to shred leaves, pile them up in a corner of your garden to decompose into a "Leaf Mold"- great garden mulch that increases water retention and promotes garden worms. Spread the mold all around your garden, trees and shrubs throughout Fall. 
Return leaves to the Earth- Don't bother raking or blowing leaves, simply use a mulching lawn mower to shred which will eventually decompose and nourish your lawn for next Spring.
www.houselogic.com


Fun Fact:
It was recently reported that 64% of women say home ownership is essential to achieving the American Dream, compared to 52% of men. The poll was taken by TD Bank to more than 1,300 Americans. 

Weekend Fun:
This Saturday, September 29th is the Manayunk StrEAT Festival! This is their kickoff to the Manayunk Restaurant Week starting September 30- October 5. From 10am to 5pm on Saturday come out to enjoy live music, fall speciality foods and crafts. 
More information at Manayunk.com

Parents moving in with their children

Today it's becoming more common to see aging parents moving in with their children. It's a popular theme throughout the world and cultures, however American has really only caught on within the past few years.
With the current economic status, health care costs, and numerous personal reasons, it can often make sense to combine two households. With this trend has entered the demand for first floor bedrooms and in-law suites. Builders are building homes to meet these needs and homeowners are converting areas in their homes to accommodate their parents or are considering moving into homes with the features already in place.
Another "bonus" I see with having an in-law suite is the rental income potential. An extract living area with a separate entrance could be a great space for a tenant (or college child!) if you choose not to have a parent living with you.

Below is a home I have for sale in Aududon, PA. The garage was converted into an in-law suite with a full bath and kitchenette a few years ago. It's a convenient space for a parent or tenant with a separate entrance and set away from the main living spaces of the home. Click the photo for more details.

Golf Course Views!

Looking for a home that's low maintenance, one floor living and has amazing Golf Course views? Then this home at the desirable Raven's Claw golf course neighborhood is perfect for you!
Click the address below for more information.

207 Masters Drive, Limerick

June Sales Report

June sales reports from Trend.com


Settled units in Montgomery County, PA up nearly 21% in June 2012. Pending units also increased, nearly 13%, to 725, forecasting a strong market ahead.

Single-Family	June '11	June '12
Inventory	5,583	4,674
Settled Units	693	837
Median Price	$275,000	$276,000
Stl Price/Orig Price	91.7%	93.1%

Through June 2012, Montgomery County has settled 3,358 units at an average price of $308,000.


I am reporting Montgomery County statistics. If you would like information on your specific area please contact me. I'm happy to provide anything you need!


kskneeland@gmail.com
484-343-2406 Direct