Happy Holiday - the best to you in 2015!

Wishing you all a very HAPPY HOLIDAY! 

I hope you have a chance to spend some time with good friends and family!

I wish you the best in 2015!

I hope if you have any real estate needs

you give me a call at

317-966-1790

OPEN HOUSE - Sunday 12/14/14 - Harness Lakes, Indianapolis, IN

COME SEE THIS GREAT HOME

7164 Harness Lakes

Indianapolis, IN

Perry Township School

SUNDAY, DECEMBER 14, 2014

1:00 - 3:00 pm

Listed to sell at $139,000

Harness Lakes Xmas

Harness Lakes Xmas

Breaking News - 3% Down Programs for buying a Home!!

Breaking News: Fannie and Freddie formally announce 3% Down Programs

Yesterday, HousingWire reported that both Fannie Mae and Freddie Mac formally announced their 3% down options on home purchases. Fannie Mae’s plan will be effective December 13, 2014 while the Freddie Mac plan will be available March 23, 2015. The HW article quotes FHFA Director Mel Watt:

“The new lending guidelines released today by Fannie Mae and Freddie Mac will enable creditworthy borrowers who can afford a mortgage, but lack the resources to pay a substantial down payment plus closing costs, to get a mortgage with 3% down. These underwriting guidelines provide a responsible approach to improving access to credit while ensuring safe and sound lending practices.”

This is great news to millions of purchasers that have been denied the opportunity to own their own home because of the almost impossible burden of saving for a 20% down payment.

Will these programs create future challenges?

Certain pundits fear that low down payment programs will create a wave of foreclosures down the road. Mr. Watt also addressed this concern:

“To mitigate risk, Fannie Mae and Freddie Mac will use their automated underwriting systems, which include compensating factors to evaluate a borrower’s creditworthiness. In addition, the new offerings will also include homeownership counseling, which improves borrower performance. FHFA will monitor the ongoing performance of these loans.”

We also recently addressed this issue.

Here are the direct links to the guidelines for each program:

Fannie Mae 3% Down Program

Freddie Mac 3% Down Program

Remember, as with any new program, there will be some confusion as it is unveiled. Contact a mortgage professional for a deeper understanding. Don’t have a mortgage person yet? Contact your local real estate agent for a referral.

Melissa Wyatt
MNLS #234601
Call or Text: 812-639-2041
HoosierLoanLady.com

Great Home in Indianapolis, IN Perry Township - $139,000.

Click on the following link for a virtual tour of this great home!  Please give me a call if you would like a personal showing of this lovely home!
http://www.listingbooster.com/vtour/12318755

Great Home in Perry Township, Indianapolis, IN - Priced Right to Sell at $139,000!

THIS IS A MUST SEE HOME!!!

Lots of updates!

3 bedrooms/2.5 bath

Great landscaping

Lots of storage

Large great room

Large kitchen

Nice corner lot with lots of space between neighbors!

CALL TODAY for YOUR PERSONAL SHOWING

(317) 966-1790

7164 Harness Lakes

Indianapolis, IN 46217

$139,000.

Harness Lakes- Open House Sunday 11/9/14 from 1:00 -3:00pm

Harness Lakes

New Listing - Indianapolis, IN - Perry Township $139,000 - Open Sunday 11/9

BRAND NEW LISTING

OPEN HOUSE this SUNDAY 11/9/2014

1:00 - 3:00 pm

7164 Harness Lakes Drive in

Popular Harness Lakes Subdivision off of Southport Road

Listed for $139,000

This home won't last long - lots of updates and great homeowner pride!!

Looking to BUY or SELL your home in Johnson County, Greenwood Area?

Thinking of BUYING or SELLING??

There are still people who need homes this time of the year!

Interest rates are very good now!

NOW is a good time to make a move!

I would love to assist you with your real estate needs

Just give me a call at:

(317) 966-1790

Looking for a home in Old Town Greenwood? Here's the one for you!! Open Sunday 10/26

236 E. Broadway

Greenwood, IN  46143

$96,000.

OPEN SUNDAY - OCTOBER 26, 2014 from 1:00 -3:00

Come see this charming home with lots of character!!

Going through a Divorce - Need a Mortgage - Need a Home!! Give me a call (317)966-1790

Looking for a Home in the Indianapolois area?

VA Loans available!!

OPEN HOUSE - Sunday, Oct. 5th 1-3:00pm Greenwood, IN

4036 Wander Way

Carefree Addition

Greenwood, IN

OPEN SUNDAY (10/5/14)

1:00 - 3:00pm

Come by to see this beautiful home.

For more information go to:

http://www.mlsfinder.com/in_mibor/suewhitney/index.cfm?action=listing_detail&property_id=21296881

Good Information about Mortgages!

Speeding Up the Close: Five Tips on How to Close Your Mortgage Loan Faster So You Can Start Moving In

When a seller accepts an offer from a buyer, the process of obtaining the property has just begun. The buyer now has to conduct an inspection, get approval from an attorney and obtain a mortgage – all of which can be time consuming. Here are a few ways that you can speed up the mortgage process and close the deal sooner.

Make Sure That You Have Money For Closing Costs

Do you have the money needed for a down payment and to pay other closing and prepaid costs? If not, you won’t be able to close until you find the funds to pay those costs – and this could delay the closing on your home indefinitely. Before you arrange the mortgage, make sure you have enough cash on hand to pay closing costs.

Get Conditional Approval Before Making The Offer

If you have not been conditionally approved for a loan before making an offer, you can’t be sure that a lender will give you a loan for the amount of the purchase price. In addition, starting the process from scratch could push back the closing timeline. Having your mortgage conditionally approved means the mortgage process is already underway when you make your offer, which saves you time.

Have Your Documents Together

Get your bank statements, pay stubs and other documents together before the seller accepts your offer. Having everything that the lender needs right away decreases the time needed for a lender to assess your application before extending the loan.

Work With An Experienced Mortgage Lender

Your mortgage lender may be able to move everything along by staying on top of the loan approval process. By ensuring that documents are being processed in a timely manner, an experienced lender can reduce the closing time from months to weeks.

Create A Timeline For Repairs The Seller Is Obligated To Make

It is not uncommon for a seller to be obligated to fix certain issues with the house before the new owner takes possession. However, it is important to put these repairs the contract along with a mandatory completion date. Otherwise, the seller could drag his feet with no contractual obligation to finish any repairs before he sees fit to do so.

Closing on a home loan can take anywhere from 30 to 120 days depending on work that needs to be done on the home and how well prepared a buyer is. Contacting and working closely with your mortgage lender or broker can result in a speedy and painless close. Contact an experienced mortgage professional today for more information about closing a mortgage.



Melissa Wyatt
Waterstone Mortgage
NMLS 234601
812-639-2041
mwyatt@waterstonemortgage.com
www.HoosierLoanLady.com 

Fall Video

Fall Video

Housing Market Information

JOSH WISE  Branch Manager direct: (317) 759-2849 cell: (317) 258-6303 fax: (317) 489-5230 NMLS: 990676 1644 Fry Rd Greenwood, IN 46142 Email Me Visit My Website

Housing starts saw a significant drop, while first-time unemployment claims plummeted to a 14-year low, and consumer prices dropped to their lowest point in more than a year. Housing Starts After seeing a solid performance in July, new home construction news for August was not exactly stellar, with permits and housing starts both seeing drops, according to last week’s report from the Census Bureau and the Department of Housing and Urban Development. Building permits issue in August for construction of residences of all types, fell to an annual rate of 998,000, marking a 5.6 percent drop from July’s revised rate of 1,057,000. Permits for single-family homes took a smaller hit, dropping only 0.8 percent to 626,000 in August from July’s 631,000. Overall, permits are still 5.3 percent higher than August 2013. Starts on construction of private housing took a steep fall in August to an annual average of 956,000, marking a sizable 14.4 percent drop from July’s revised estimate of 1,117,000. Starts on single-family homes saw a much smaller drop, falling 2.4 percent to 643,000. Overall, constructions starts were still 8 percent higher than August 2013. Meanwhile, completions of private housing in August hit an annual average of 892,000, which was 3.2 percent over July’s revised estimate of 864,000 and was 16.9 percent higher than August 2013’s average of 763,000. But permits and starts are the key figures to watch as they indicate future real estate activity. Bearing that in mind, the wild swings between July’s gains and August’s losses should be taken with a grain of salt given that much of the fluctuation has been occurring in construction of multi-family dwellings, such as apartments, and because single-month performances aren’t indicative of trends. “Overall, the weakness in this report reflects the expected giveback from the unexpected surge in activity the month before, and is not an indication of weakening underlying momentum in the sector,” Millan Mulraine, deputy head of U.S. research and strategy at TD Securities, noted in a public statement.

Open House in Greenwood, IN - Wakefield Addition - Sunday 9/21 1:00 -3:00pm

COME ON OUT and SEE THIS BEAUTIFUL HOME

5493 Gainesway Drive

Greenwood, IN

Listed to sell at $204,000

OPEN THIS SUNDAY 9/14 from 1:00 -3:00 pm

Register to win two Colts tickets for December game against the Texans

sponsored by Waterstone Mortgage 

For more information on this super home go to:

http://www.mlsfinder.com/in_mibor/barbaradunnstear/index.cfm?action=listing_detail&property_id=21314195

GREAT HOME in FRANKLIN, IN - $164,900. Check it Out!!

CHECK OUT this Great Home in

Franklin, IN

Heritage Subdivision

for

$164,900

Many,many updates throughout!!

Lots of homeowner pride!

Give me a call to have a personal showing.

For more information about this home click on:

http://www.mlsfinder.com/in_mibor/suewhitney/index.cfm?action=listing_detail&property_id=21281622

Home in Greenwood, IN - Open House 9/14 1:00 - 3:00 !!

4036 Wander Way, Greenwood, IN

Carefree Subdivision

$184,900.00

OPEN HOUSE - SUNDAY 9/14 from 1:00 - 3:00pm

Register to win 2 free Colts tickets for the Colts vs. Texan game in December!!

For more information on this home click on the following link:

http://www.mlsfinder.com/kwls/kw/index.cfm?action=listing_detail&property_id=194421296881

What's Ahead for Mortgage Rates???

What’s Ahead For Mortgage Rates This Week – Sept 8, 2014

 

Last week’s housing-related economic news was slim, likely due to the Labor Day holiday Monday. On Tuesday, the U.S. Commerce Department reported that construction spending for July increased by 1.80 percent as compared to June’s revised reading of 1.0 percent and expectations of a 1.0 percent increase for July.

The Federal Reserve released its Beige Book report Wednesday; the collection of anecdotes from business contacts within the 12 Federal Reserve districts indicated that the general economy was strengthening as well as labor markets. The Fed noted a shortage of skilled workers. New construction and home sales grew modestly, but the Fed reported that fewer than half of the districts reported growth in real estate activity.

This information appears to be consistent with recent media reports of falling home sales, mortgage originations and demand for homes. Analysts say that mortgage lenders remain wary of loosening mortgage credit standards without protection from having to repurchase faulty mortgages from Fannie Mae and Freddie Mac.

Mortgage Rates Saw Little Change

Freddie Mac reported that average mortgage rates and discount points saw little change last week. The average rates for a 30-year mortgage and a 5/1 adjustable rate mortgage were unchanged at 4.10 percent and 2.97 percent respectively. Discount points were also unchanged at 0.40 percent. The average rate for a 15-year fixed rate mortgage fell by one basis point to 3.24 percent with discount points also lower at 0.50 percent.

Non-Farm Payrolls Add 142,000 Jobs, Unemployment Rate Unchanged 

The Bureau of Labor Statistics Reported that 142,000 new jobs were added in August. Analysts had expected 228,000 new jobs added, but many analysts said that the abrupt decline in jobs added was a fluke. A couple of short-term incidents impacted retail and automotive sectors as a supermarket chain cut hours and fewer July layoffs in the automotive sector led to fewer workers called back in August. The unemployment rate remained at 6.10 percent.

Weekly jobless claims rose to 302,000 against expectations of 300,000 new jobless claims and 298,000 new jobless claims in the prior week.

What’s Ahead

This week’s scheduled economic news is also light on housing and mortgage reports. Retail spending, consumer credit, and federal budget data are some of the reports set for release.

Melissa Wyatt

NMLS: #234601
Direct: 317-975-0741
Text: 812-639-2041
On Twitter @HoosierLoanLady
Apply at: www.HoosierLoanLady.com  

Open House 9/7/14 in Kensington Grove, Greenwood, IN

5517 Camden Lane

Greenwood, IN

JUST REDUCED to $440,000.

in Popular Kensington Grove Subdivision

OPEN HOUSE this SUNDAY 9/7/14

from 1:00 - 3:00

Hope to see you there!!

Need Lots of Living Space for a Great Price? $110,900 in Franklin, IN

946 Ravine Drive

Franklin, IN

Heritage Subdivsion

$110,900 for 2,134 square feet of living space

For more information on the home go to:

http://www.mlsfinder.com/in_mibor/suewhitney/index.cfm?action=listing_detail&property_id=21294031

Looking for a home in Johnson County, Indiana? Give me a call at (317) 966-1790

Looking for a home in Johnson County, Indiana

Greenwood, Franklin, Center Grove, Bargersville, Needham, Trafalgar?

Give me a call at

(317) 966-1790

I will be more than happy to assist you with your real estate needs!!

Looking for a home in Franklin, IN??? Here are two great buys!!

2222 Hampton Drive

Heritage Subdivision

$164,900

For more information go to: 

http://www.mlsfinder.com/in_mibor/suewhitney/index.cfm?action=listing_detail&property_id=21281622

946 Ravine Drive

Heritage Subdivision

$110,900

For more information go to:

http://www.mlsfinder.com/in_mibor/suewhitney/index.cfm?action=listing_detail&property_id=21294031

Greenwood, IN OPEN HOUSE Sunday 8/17 from 1:00 - 3:00

4036 Wander Way

in popular Carefee Subdivision

OPEN HOUSE this Sunday 8/17 from 1:00 - 3:00

For more information on this home, please visit my website at:

http://www.mlsfinder.com/in_mibor/suewhitney/index.cfm?action=listing_detail&property_id=21296881

Heritage Subdivision - Franklin, IN - Two Great Homes for Sale! Check it Out!

Heritage

Purchasing after a bankruptcy, foreclosure, or short sale? Here are some answers!

Looking for a home in Greenwood, IN?? Let me be the one to help you!

Looking for a home in Johnson County?  Greenwood, Whiteland, Franklin, Center Grove area?
Please go to my website to customize your search! http://www.kw.com/kw/agent/suewhitney  When you find some home of interest, let me know and we can schedule some personal showings for you!  Or give me a call at (317) 966-1790
Hope to hear from you soon!
http://www.kw.com/kw/agent/suewhitney

Housing Market for June Reveals Increase in Home Prices!

Local Market Data: June Reveals Increase in Home Prices and New Listings, Decrease in Pending and Closed Sales Housing data released by MIBOR today shows a continued increase in home prices in central Indiana with decreases in pending and closed sales. New listings jumped by 6.5 percent in June and 2.1 percent in the last quarter. Months of Inventory decreased slightly in June to place the availability of properties at 5.6 months. Median Sales Price for the quarter ending in May grew 3.9 percent to $142,900 compared to the same quarter last year. Average Sales Price grew 4.9 percent to $188,435 for the quarter ending in June 2014 compared to 2013. Along with the Monthly Indicators Report, a one-page report of each county within the service area is also provided. In total, these data sets are intended to be a snapshot of the market, providing historical comparisons whenever possible. The data was pulled from the BLC® listing service on July 17. To download the Monthly Indicators report, click here. To view the one-page county reports, click here. Please note, due to the length of the reports, it may take a few minutes to download. If you have questions regarding the data, please contact clairebelby@mibor.com.

2014 MIBOR, 1912 N. Meridian St., Indianapolis, IN 46202 | 317-956-1912 | http://www.mibor.com/

Heritage Subdivision - Franklin, IN - GREAT PLACE to LIVE!!!

HERITAGE SUBDIVISION - has so much to offer to families!
There is a community clubhouse that has a beautiful pool. Paved
walking trails throughout the neighborhood for your exercise
enjoyment.  Nice children playgrounds that are well kept and
maintained.  There are also tennis courts, and basketball courts to
keep those sport enthusiast busy!

This addition is located very close to 165 for easy commutes to Columbus, Indianapolis, Edinburgh, Greenwood and Shelbyville.

 I currently have two very nice homes listed in this neighborhood
that you will definitely want to check out.  For more information
on each of these homes you can go to the following websites:
http://www.mlsfinder.com/in_mibor/suewhitney/index.cfm?action=listing_detail&property_id=21294013
http://www.mlsfinder.com/in_mibor/suewhitney/index.cfm?action=listing_detail&property_id=21281622

CALL ME TODAY (317) 966-1790

Thinking of Buying or Selling a House? Here is why you need to give me a call - (317) 966-1790

Franklin Township, Indianapolis, IN - Great Open House Sunday 8/3 from 1:00 -3:00

10426 Clifty Falls Road

Indianapolis, IN

$229,000

OPEN HOUSE - SUNDAY (8-3-14)

1:00 - 3:00 pm

Come by and see this great house!  It has 4 bdrooms/2,409 sq. feet

Gourmet kitchen and tons of other great features too numerous to mention!!

For more information you can go to:

http://www.mlsfinder.com/in_mibor/suewhitney/index.cfm?action=listing_detail&property_id=21295862

Message to Sellers!

Sellers, Beware: Five Reasons You Might Not Get Top Dollar when You Sell Your Home (And How to Avoid Them)

 

For most people, their home is their largest asset, so they want to maximize that asset by getting top dollar when they sell. Here are a few reasons you might not get top dollar when you sell – and how to avoid them!

Selling At The Wrong Time

From early spring to late summer is home-buying season for most people, especially those with children. Putting your house on the market during this period is when you are likely to get top dollar for it. Early fall is also a good time to list your home. Winter – especially December – is the worst time to list. If you list your home outside of prime selling season, you are likely to get less for it than you could have otherwise.

Not Staging Your Home Properly

Many people think of staging as simply rearranging the furniture or changing curtains, but there is so much more to it, and not doing it properly can mean less money for your home. To stage your home properly, you must declutter, putting knick-knacks and family pictures away. You also want to make sure your home is as clean as possible and that you correct any defects such as holes in the wall or cracked window panes. Another thing you should do as part of your staging routine is to paint your walls in neutral colors and update cabinet hardware and light fixtures that are out of date. These little changes can make a big difference. 

Not Paying Attention To Curb Appeal

You can spend all the time and money necessary to spruce up the inside of your home, but if your lawn is a patch of dirt and your gutters are falling down, all that work and money can go for naught. To get top dollar for your home, you need to improve your curb appeal. This includes seeding or sodding bare spots in your lawn, trimming trees and shrubbery and fixing up home-related items such as broken concrete and sagging gutters.

Not Getting The Price Right

You might think that to get the highest price out of your house, you have to price it high. However, that’s not necessarily always the case. If you price your house too high, it can make other similar houses that are priced lower look like better deals. You should make sure to pay close attention to what comparable homes are selling for in the area and price your home accordingly.

Not Working With A Real Estate Agent

Many people think they can save a bundle selling their home by not working with a real estate agent. While you do save on the real estate commission, you can lose more than that amount by making mistakes in pricing and marketing. A real estate agent will have access to resources you don’t, such as information on buyers looking in your neighborhood. An agent will market your home, make sure it is priced accordingly and set up showings. It is worth your time and money to call an agent experienced in selling homes in your neighborhood who can give you a market evaluation.



Melissa Wyatt, NMLS #234601
Mortgage Loan Specialist
Direct: 317.975.0741
On Twitter @HoosierLoanLady
www.HoosierLoanLady.com  

Message to Sellers!

Sellers, Beware: Five Reasons You Might Not Get Top Dollar when You Sell Your Home (And How to Avoid Them)

 

For most people, their home is their largest asset, so they want to maximize that asset by getting top dollar when they sell. Here are a few reasons you might not get top dollar when you sell – and how to avoid them!

Selling At The Wrong Time

From early spring to late summer is home-buying season for most people, especially those with children. Putting your house on the market during this period is when you are likely to get top dollar for it. Early fall is also a good time to list your home. Winter – especially December – is the worst time to list. If you list your home outside of prime selling season, you are likely to get less for it than you could have otherwise.

Not Staging Your Home Properly

Many people think of staging as simply rearranging the furniture or changing curtains, but there is so much more to it, and not doing it properly can mean less money for your home. To stage your home properly, you must declutter, putting knick-knacks and family pictures away. You also want to make sure your home is as clean as possible and that you correct any defects such as holes in the wall or cracked window panes. Another thing you should do as part of your staging routine is to paint your walls in neutral colors and update cabinet hardware and light fixtures that are out of date. These little changes can make a big difference. 

Not Paying Attention To Curb Appeal

You can spend all the time and money necessary to spruce up the inside of your home, but if your lawn is a patch of dirt and your gutters are falling down, all that work and money can go for naught. To get top dollar for your home, you need to improve your curb appeal. This includes seeding or sodding bare spots in your lawn, trimming trees and shrubbery and fixing up home-related items such as broken concrete and sagging gutters.

Not Getting The Price Right

You might think that to get the highest price out of your house, you have to price it high. However, that’s not necessarily always the case. If you price your house too high, it can make other similar houses that are priced lower look like better deals. You should make sure to pay close attention to what comparable homes are selling for in the area and price your home accordingly.

Not Working With A Real Estate Agent

Many people think they can save a bundle selling their home by not working with a real estate agent. While you do save on the real estate commission, you can lose more than that amount by making mistakes in pricing and marketing. A real estate agent will have access to resources you don’t, such as information on buyers looking in your neighborhood. An agent will market your home, make sure it is priced accordingly and set up showings. It is worth your time and money to call an agent experienced in selling homes in your neighborhood who can give you a market evaluation.



Melissa Wyatt, NMLS #234601
Mortgage Loan Specialist
Direct: 317.975.0741
On Twitter @HoosierLoanLady
www.HoosierLoanLady.com  

Moving to Franklin, IN?? Here are two great homes to consider!

Here are 2 Great Homes in FRANKLIN, IN

that you need to look at if you are considering moving to this area!

They are both in the popular Heritage Subdivision

 2222 Hampton Drive

$164,000.00

http://www.mlsfinder.com/in_mibor/suewhitney/index.cfm?action=listing_detail&property_id=21281622

946 Ravine Drive

$117,000

http://www.mlsfinder.com/in_mibor/suewhitney/index.cfm?action=listing_detail&property_id=21294031

Heritage Subdivision has a lot to offer to the people who live in this community.

There is a very nice clubhouse, community swimming pool,

paved walking trails, basketball courts, tennis courts, several ponds

and very nice playground areas for smaller children.

CALL ME TODAY to have a personal showing of either of these homes!

(317) 966-1790

Looking in Franklin, IN??? Here's a great home/great buy!

2222 Hampton Drive

Franklin, IN

Popular Heritage Subdivision

$164,900.

Visit the website: www.hamptondrfranklinin.info

for more information or go to

http://www.mlsfinder.com/in_mibor/suewhitney/index.cfm?action=listing_detail&property_id=21281622

Wanting to BUY in Johnson County? Mortgage Rates Inch Down Slightly!

Mortgage Rates Inch Down Slightly

Fixed mortgage rates for most home loans fell slightly this week to remain near historic lows.  The average interest rate on a 30-year fixed mortgage dipped to 4.13% from 4.15% last week, according to the latest survey from mortgage buyer Freddie Mac.  It was at 4.37% a year ago.

Meanwhile, the average rate on a 15-year fixed loan dropped to 3.23% from 3.24% last week. At this time last year it averaged 3.41%

"Mortgage rates were little changed amid a week of light economic reports," said Frank E. Nothaft, Freddie Mac vice president and chief economist.  

Looking ahead, most analysts predict rates will hold steady in the short term.  

GIVE ME A CALL TODAY if you are interested in making a real estate move - Buying or Selling --- I can help you with your needs!  (317) 966-1790

Moving to Greenwood, Whiteland, Franklin, Bargersville Areas?

Thinking of Moving to the Johnson County Area?

Greenwood, Whiteland, Franklin, Bargersville, Center Grove?

Let me be the one to help you through the transition!!
Call me at 317-966-1790

Great Home/Great Buy in Franklin, IN

946 Ravine Drive

Franklin, IN

Popular Heritage Community

$117,000

This home is a must see!  It's a three bedroom, 2.5 bath, 2,134 square feet!  There is a spacious loft on the upper level that splits the bedrooms from the master bedroom.  The master bedroom suite has it's own bathroom and walk in closet.  The lower level has a very open floor plan that could be used in a variety of ways.  There is a separate laundry room with storage space just off of the kitchen that leads to the two car garage.  The Heritage Community offers a clubhouse with a swimming pool, walking trails, playgrounds, and several ponds.  

CALL ME TODAY FOR A PERSONAL SHOWING

(317) 966-1790