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The Dark Side of Real Estate
Our Recommended Servicers
to thank our Clients, Customers, Friends, Sales Associates and Referral Partners
for a superb 2014. We have had three consecutively improving years over
our best ever year since the 2007-2008 collapse of
the real estate market and are now entering 2015
our continued pledge to
do our very best to assist you in buying and selling, leasing and managing your
property as well as consulting to provide you with honest, beneficial information
regarding your property.
Our projections for 2015 are for continued improvement in the overall market. Referrals of buyers and sellers to
us as well as to our contacts
in other cities throughout the country are always appreciated. Yes, we have a very
high customer satisfaction rate. Thank you for your support.
Our 2015 First
Quarter Sales are better than anytime in the last 3 years.
in economical, effective, efficient, legal and much lower cost Real Estate Services for the Central Indiana areas of Indianapolis,
Greenwood, Greenfield, Avon, Brownsburg, Plainfield, Zionsville, Carmel, Noblesville, Fishers,
McCordsville, Fortville, Pendleton and Castleton-Geist areas with
years of experience
honestly representing well over 1,500 sellers and buyers,
Ken R. Fisher &
Associates, Inc., Realtors®,
Reduced Fee Brokers,
For Sale By Owner
and Fee Based Consultants
will save you
a lot of money with
Variable Rate Commission Fee Plans from
to 5.95% !
We offer Plans A,
B and C to save you money
KenFisher@Realtor.com for our Free, No
Obligation Home Actions Newsletter
Click for our
Click for our
Track Record at
for our Rental Availabilities at'
30 Year Fixed Rates Are
Floating at 3.75% - 15 year = 2.875%
FHA Fixed Rates Are Floating at 3.25% - 15 year - 2.75%
A Real Estate Agent To Our Company
part-time) and will provide extensive training as needed,
desk rental fees and a 70%
contact Ken Fisher at 317-845-9511
have no down payment loan sources available up to $417,000 and no PMI with a Credit
Score of 640+. The
Seller can pay 3% of the Purchase Price for closing cost assistance. Rates
are G-R-E-A-T. Prices really have hit the Bottom and are now on the way up,
up, up, along with Closing Costs and Interest Rates. It's Time To Buy Now!
How To Blow Away
Many of Your Friends At the Same Time
We have access to and
provide information for:
VA / Conventional Foreclosure Lists
HUD FHA Foreclosures available with loans
up to $271,000.
Down Government Insured USDA Financing available in selected areas.
FHA 203K Financing ...
Buy and Improve A Home With ONE COMBINED FHA Loan and 3.5% Down
Freddie Mac HomeSteps on their foreclosures.
We work with Fannie Mae HomePath on their
what you won't believe as the
impending astronomical inflation and resulting reduction of the value of your
dollar, you should keep in mind that Your Money Will Never, Ever Again Be Worth What
It Is Today! You should buy today and make your fixed mortgage
payments tomorrow with those 'devalued' dollars! Don't just sit by
watching your gasoline, clothing and food bills go up and up and up.
Mortgage interest is continually fluctuating up and down with an overall upward
Click here for the US Debt Clock
Click Here for A Different Kind of Clock
SRES Business Partners
As a certified Seniors Real Estate Specialist, I offer services to Seniors throughout the 9
County Central Indiana area. I use my qualifications, expertise and the
following websites to provide services:
Visit these sites and contact me for additional information. I would be
happy to provide a current Market Analysis on your home with no obligation.
Appreciation Program is of considerable value to all of our current and
past clients and
customers upon request and at no charge
A Real Estate Consultation
A 'Remodel or Relocate' Consultation
A CMA Report on our customer's property
A current Property Tax report
A 'kickback free' Contractor Referral Source
For our current property listing owners, we have a program to
keep them informed on a twice monthly basis as to the numbers of property views
by the public on the 52+
websites that we use for marketing. Obviously, this report includes our use
'enhanced' version of the #1 Realtor.com
which now provides data for Rental Property as well as New Homes.
Email Ken Fisher @Realtor.com for more
WE ARE LARGE ENOUGH TO GET THE JOB
DONE AND SMALL ENOUGH TO CARE!
HONESTLY CAN SAVE
A LOT OF MONEY!
Do you really
need a high-cost Franchise or an Agent Warm Body Shop? Does the office
with the most people insure that you will reach success with your selling and/or
buying efforts when every Realtor member has access to your home through the
Do you want a
bottom of the barrel, cheep, chicken little service, here today gone tomorrow rip-off,
potentially illegal operation? Some fly-by-nighters operate online only
and are not even based in our communities. Did you know that certain companies offer
less than minimal services and fail to provide the minimum services, standards and requirements as
legally required by the Indiana Real Estate Commission? The decision that you make
is one you will live with and perhaps just continue to live in the house you are
wanting to sell.
Do you want to
deal with an Agent who doesn't have the slightest idea what your house is really
worth, and will handily agree with anything you say? Months pass with
nothing happening ... and then you renew your listing because your ineffectual
Agent is associated with a 'big franchise company or just switch to another. Now you know what a a 'sinking feeling' feels like.
been playing Agent Roulette? Have you determined yet that
Agent Roulette' is not a good game to play? How many agents can you go through
before you finally figure out that this mistake has already cost you a lot of
time, value and money?
Do you really need to
play with a big company or a purchased identity (a franchise or membership group) and all of their extra fees and gimmicks and dog and pony
shows with promises that look good but typically don't really work?
Do you want to take a
chance and deal with a company or an agent who was a participant in the
sub-prime mortgage scandal? Their gain is now your loss! They drive
a Mercedes while you are driving a Suzuki. However, the Justice Department
is finally considering taking action against some of these individuals.
Do you want to
deal with a company that may not even be here tomorrow ... they can auction off
YOUR listing contract to the highest bidding company ... and you will have absolutely NO Choice in the
(often part time, often untrained)
Agent and wrong Company (a warm body shop)
selection WILL cost you a lot of time, stress and money in the long run ... and
your property may well still be unsold in the end!
Current commentaries indicate that most agent incomes were down by over 30% and that
25-30% of the agents left the business or just shifted to part-time.
(Apparently, at last official count, 28% finally left the business completely.) Many
just getting other jobs and selling real estate on a 'shush, don't tell, confidential' part-time basis
but are still charging a full time commission. Some of the
part-time jobs they are taking are Credit Repair, ID Theft Prevention and Advance Pay Legal
programs or the latest Multi-Level Marketing Plan ... Avon and Exit Realty come to mind. Do you really
want to work with that part-time agent charging a full time commission? Do
you want to work with 'what's left' after your agent leaves the business (your
listing contract could be reassigned to someone you don't know or literally be auctioned off to some
(If you are a 'starving artist' real estate agent
,you should consider that as an Agent with a
relatively low income, you should be looking for a progressive Broker with a profitable balance sheet. Go to
Careers with Ken
Don't scare the pig! Spend your money wisely, don't throw it away!
We offer Experience!
We offer Results!
is a well trained Ken R. Fisher & Associates, Inc. Real Estate Broker-Agent who really knows his or
her business (25 hours of face-to-face training + plus MIBOR training + ongoing CE
training and updates as
needed plus constantly updated forms and technology) ... many others just don't have the slightest idea as to what they
are doing! ... anything for a quick buck! Many of these people don't even
know how to set up an appointment to show your home, let alone how to show a
house without saying "Oh Look, here is the Living Room". Your #1 Choice
is a Company that offers always available strong company/management support to
its' Broker-Agents (without additional fees). Our Broker-Agents are individually
trained one-on-one and have the experience and continued management support
necessary to effectively represent you when selling or buying your home.
CHOICE will cost you more time,
stress and money than you may realize
... until it's too late and your house does not sell! You could easily be a victim of the Closing Table
Shock Syndrome when you find out about the undisclosed fees!
Please note: Exclusive Agency Listings providing direct negotiating contact with the Property Owner
SHOULD NOT LEGALLY APPEAR on MIBOR.com and Realtor.com. It would be wise to talk with the
company or agent that you are considering to make sure that you really are getting
what you think you are paying for!! If they have lied, call the Indiana
Professional Licensing Agency/Indiana Real Estate Commission.
We do have over
in the business. We were legal
yesterday, legal today and will be legal tomorrow ...
... no purchase of a web identity, no quickie name change,
and no cut and run
with our company!
We offer Experience!
Results! We offer
on over 52 Web Sites!
on Listing Web Site Page Views!
to 134 Major Newspaper markets!
in Real Estate Services
(and have since
You've heard the complaints and the excuses: he said, she
said ... I didn't know ... but they guaranteed ... well, I thought they
guaranteed ... all I wanted to do was save some money ...
boy, that company sure is cheap, now I know why ... my agent said nothing about those costs ... nobody said it would cost this much ...
I though a really big company would be the best company ... I
thought franchises were great ... their
marketing plan was unbelievable - it sure was ... I didn't
know what 'lost in the shuffle' meant ... it's not my
fault ... I have the best house in the world, but nobody else thinks so
... I thought the builder was my friend ... I thought my agent was
experienced ... my agent won't even return my calls anymore ... I don't even
know who my agent is ... my agent's manager won't return my calls either ... I can't find the information I need anywhere ...
what is a transaction fee, anyway -- and do I really have to pay it ... I
thought my agent was to accompany me to the sale closing per Indiana Law ... I'm not
sure this real estate company is legal in Indiana ... I thought CHEAP was the
way to go ... what do I do NOW?
Are you all 'Teamed" out - don't know where the buck stops
- tired of spending your life on 'hold'?
There is no "I" in Team. We put the 'I' back
in Business and the 'I' back in Professional. Beware
of "in sight, it must always be right" ... that is just not always the case
Don't get caught on the
Dark Side of Real Estate! Are you a "Real Estate Lemming",
do you know who you are following potentially to a disaster in the making?
Do you really need an honest Choice? ...
We Offer You A Very Clear Choice!
In fact, we offer several choices ... and every one of them will save you a lot
of money! We are here today, here yesterday and here tomorrow too! ... and
legal! It's your money! It's your
CHOICE! And it's
wisely! You will never, ever really know what you miss until you contact
By the way, Looking for a
Yep, We are and We will
... save you a Lot of Green!
We are not participants in
the so-called "Green Realtor Designation Program" as we are much more
interested in saving you a LOT OF GREEN $$! You don't have to go to a
class to figure out
things like reducing your home's energy requirements (heating, cooling, water
heating, lighting, appliances, TV's, computers, etc.). The green objective is to
reduce the use of fossil fuels to 'save the world' based upon what now appears
to be corrupt and false data by lots of folks, including the United Nations, the
Federal Government and Al Gore. The government (using a version of Cap and
Trade) will soon be controlling your usage of energy by (1)determining just how much you will be
allowed to use, and (2) taxing both your 'authorized' and 'unauthorized' uses
considerably. This will be control by excessive taxation on your usage
of gas and electrical energy, propane, and your gasoline and diesel and even
usage. The Obama Administration is now seeking ways to provide grants to low
income people to 'green' their houses at tax payer expense (did you see this one
coming?). As the Feds implement their Home Energy Certification
Requirements, owners will be required to spend considerable cash to meet the
government requirements. Taxes will likewise go up to fund the thousands
of government inspection and certification personnel. Also,
Green homes do face a
construction continues to have considerable difficulty with nearly impossible to
overcome low appraisals requiring buyers to come up with considerably more down
payment or just stopping construction.
Your government sets goals for you then makes it nearly impossible to accomplish
those goals. And they use your tax dollars to subsidize most any
'so-called' green manufacturing company including failing solar panel
manufacturing companies subsidized by your tax dollars while they continue to lose money and
declare bankruptcy, only to be saved by a Chinese Company (didn't see that one
For FREE REAL ESTATE REPORTS
Five More Years
Dumbest Things You Do with Your Money
Tips to Getting Your Loan Modification Application Reviewed
Click on 'Mortgage
Loans' for more mortgage information
The Six New Rules
for Financial Security
What's Up With
F I C O
F I C O Needs Help ... It Is Out Of Date
With The Times
Interest Rates and Credit
Owner Insurance: Is Your Home
Underinsured, Preparing For Nature
11 Tips for Hiring A Home Remodeling Contractor
Search the entire BLC/MLS for
Search the entire BLC/MLS for
Listings to see what's on the market right now. We offer daily BLC/MLS Updates
for anywhere in the United States to your email free and without obligation. This
Service provides the latest New Listings to you by email on a daily basis. Provide us
with the detail as to the locations, specifications and price range of the home you are
seeking. We'll handle the rest! And, best of all, it's free!
This Special New Construction
Offer Is Now Available!
We will refund up
of the Purchase Price of a New Home purchased through our Company (based upon
price range and commission paid).
We will be an integral part of your transaction and
will attend the closing as required by Indiana Law. We will also give you the option of a full Time Share
Week at a RCI or Wyndham Vacation Resorts Condominiums anywhere in the U.S.
based upon availability.
We sell new construction by all builders in
contact us first before making contact with any builder.
YOU do need representation!
The Builder IS NOT REALLY your "best friend"!
You Like To Vacation ... Today?
We have a very limited number of RCI Vacation Certificates available at a
including all RCI fees
There are over 1,675 condominium resort locations throughout the United
Or, Why Not Lease one of our Fantastic
Wyndham Vacation Resorts Condos!
Sometimes, you need a lot
more than a little Magic!
CONTACT KEN FISHER TODAY!!
Office | Mobile | Text
Ken R. Fisher, Realtor®, Broker, GRI, CRS,
Service Real Estate
Reduced Fee Real Estate
Home Consulting & Rebates
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The Dark Side of Real Estate Our Recommended Servicers
What Our Lawyers Make Us Say
This information is provided for informational purposes only. The information
contained in this document represents the current view of Ken R Fisher &
Associates, Inc. on the issues discussed as of the date of publication. Because
Ken R Fisher & Associates, Inc. must respond to changes in market conditions, it
should not be interpreted to be a commitment on the part of Ken R Fisher &
Associates, Inc. and Ken R Fisher & Associates, Inc. cannot guarantee the
accuracy of any information presented after the date of publication.
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