Friday, December 26, 2014   /   by Derek Gutting

Buying a home after you had a short sale!

Did you have to sell your home via a short sale?  Wonder when you can buy another home and qualify for a mortgage.  Heres the latest:  Most lenders follow Fannie Mae Guidelines, which a few months ago changed their ruling from 2 years to 4 years after your short sale.  There are extenuating circumstances that will allow borrowers to qualify within 2 years, but from what I am hearing, this is very hard to qualify for.  (Ie, sudden loss and dramatic drop of income, etc)  The good news is, some local community banks and credit unions will not follow the Fannie guidelines and will look at your salary, your credit, your savings, etc to qualify you.  So, here is what you should do if you had a short sale:
Less than 2 years ago:  Forget about it
2 years to 4 years ago:  Shop your local banks and/or credit unions (find the ones that have loan programs that are do not have Fannie Mae Requirements)
4 years or more:  You should bm ...

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Thursday, February 27, 2014   /   by Derek Gutting

4 EASY Ways to Save on Heating Costs!

The Simplest Ways To Lower Your Home Heating Bill This Winter
[caption id="attachment_137" align="alignnone" width="252"] Lower Heating Costs[/caption]
When the holiday season starts and the winter chill comes around, the heating bill at your property will naturally increase as you keep yourself warm and cosy. However, if your home is not being heated efficiently, you are essentially letting your hard earned dollars escape into the air as wasted energy.

What are some simple and inexpensive ways that you can cut down your heating expenses this winter and save yourself some money?

1 Only Heat The Rooms You Are Using

If you work from home and are spending eight hours of the day sitting in your home office, there is no need to keep the rest of the house toasty warm. If you have heaters that you can turn on and off for each room, you can direct the heat to the room that you are using.

0If you have a spare bedroom, you don’t even have to heat it at all unless a guest is c. ...

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Wednesday, October 9, 2013   /   by Derek Gutting

Uptick in move-up buyers taking over Hamilton County Real Estate

More of our past clients are calling us this year than ever before. They are looking for great deals in Hamilton County, and not just that, but bigger homes and "Forever Homes" to purchase and settle into for the long haul.
Because the average days on the market has decreased due to low inventory, we have fine-tuned our negotiating skills and made ourselves available 24/7 to ensure your offer is the best, possibly the first offer Realtors!
Don't worry about not finding the right home! The news has kept Real Estate top-of-mind so if Sellers aren't aware that we're in a Buyer's Market, then they are losing out on some great finds of their own!
We represent our own Sellers in Carmel, Fishers, Zionsville, Westfield & the Noblesville areas. Create & Save your own hassle-free search on or give us a call at 317-846-4888 if today's the day you need to sell your home fast & find your "Forever Home".
Read more about the Move-Up market here: A sweet spo. ...

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Wednesday, May 22, 2013   /   by Derek Gutting

Hello world!

The Gutting Group is proud to announce the release of our newly designed website. When we decided to update our main site, WWW.GUTTINGGROUP.COM, we realized the design and search tools deserved a new upgrade. So that’s what we did! With our new site, we’re introducing a more streamlined search process, easier navigation, and tons of more information. But we’re aware all these changes might be a little confusing to our returning visitors, so we’ve created a simple “How To” document to show you what changes we’ve made and how you can still access all the things you loved from the old site. Here are some highlights:
For Returning Users
Don’t Panic! All your account information has been transferred over, so you can still access your favorite listings and saved searches from before. To log in to your account, click the “Sign In” tab, conveniently located in the upper right-hand corner of the webpage. A prompt will then ask you toe ...

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