Dawn Griffin

Saint Louis City-Focused Broker/Salesperson
GRI, e-Pro, Licensed REALTOR®

dawn@dawngriffin.com / 314.413.7086

Dawn Griffin

HELP! It’s HOT and my AC is broken

I had trouble naming this blog post. I really wanted to call it “Great Neighbors in Tower Grove East.” Reading the Tower Grove East Neighborhood list serve, I ran across this thread in which one neighbor posted a request for a recommendation of an HVAC contractor and within a VERY short period of time got SEVEN responses. So if you are looking for an HVAC contractor, look no further. There are 7 recommendations from happy customers below.
1.) My daughter and I have used Jim Reynolds for both maintenance and installation of heating and air conditioning systems. We have found him to be very capable, honest, and reasonably priced. I would recommend him to anyone for HVAC work. His cell phone is 401-7425.

2.) We’ve been using Ricotta Heating and Cooling and are quite happy with them. They
have been reliable, fair and reasonable in costs. Visit www.ricottaheatingandair.com.
Our contact has been Alan Ricotta. If you use him please tell him we spoke highly of him so he gets another data-point as to our appreciation.

3.) I don’t know how”local” you mean, but we’ve used C&G Heating & Cooling
(now at 7805 Manchester) since we lived in the county sixteen years ago. Carol & Gus (C&G)
retired a few years ago and sold their business to another local family. We continue to use them for semi-annual checks on our systems, and we signed upfor their Comfort Club. Last year they fixed a particularly pesky leak we had from condensation on a third-floor A/C unit. They are not cheap, but they’ve continued to be thorough and reliable. If you call them, please tell them we recommended them.
C&G Heating &
Cooling, LLC
7805 Manchester Avenue
St. Louis, MO 63143
314/645-0535

4.) Call Dave cell no. 448-9030. He just put in a new furnace & central A/C for me for the
1st floor apt. He also went out to Mo’s mom’s house in Ballwin and re-charged
her system on Sunday for $85. Great guy. Tell him you live across the street from me.

5.) We like Seliga Heating and Cooling out on Gravois – I think they’re in the
City. Prompt and reasonable, I think.

6.) Hoffmann Bros is on Tower Grove Ave. We’ve used them for years.

7.) Give Rich a call. He’s in Shaw and does this on the side. He’s worked on lots of my properties and we’ve generally been pleased with his work. 314.398.1762.

OR, if you are just looking for a great neighborhood to be a part of, check out Tower Grove East. As it’s name suggests the neighborhood borders the east side of Tower Grove Park.

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3003 Minnesota is 3 bedroom, 2 bath home in Tower Grove East. Priced at $122,500 it is perfect for a first-time home buyer. It was a total gut renovation about five years ago, so it’s move in ready and should prove to be a hassle free home. There’s a two-car parking pad in the rear, but the sellers are willing to build a garage prior to closing (cost to be negotiated in contract)

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MHDC Offers $15,000 Credit When Buying Foreclosures

Mark AndersonThanks to Mark Anderson from Pulaski Bank for writing this post! Mark has been a great resource for me and my clients. If you have any further questions about this post or other financing options, please contact him directly. All his info is on his site.

The Missouri Housing and Development Commission, or MHDC, has an excellent new program for buyers purchasing foreclosed homes. First-time and repeat buyers will receive funds up to 20% of the foreclosed property’s sales price, with a maximum of $14,999. This amount can be applied to the purchaser’s down payment and closing costs. The money does come in the form of a 2nd mortgage (as opposed to being a grant), but the loan has 0% interest and is forgiven after 5 years of occupancy.

In order for buyers to qualify, the following conditions must be met:

  • In St. Louis City and County the total household income must fall at or below limits based on household size. For one person, the limit is $57,000. A family of two can earn up to $65,150 and still qualify. From there, you can add about $8,000 to this limit for each additional member of the household.
  • The buyer’s first mortgage must be an MHDC First Place Loan, which is an FHA 30-Year Fixed product at 6.0%. The interest rate is currently above normal FHA loans by about .5%, but the higher rate is almost undoubtedly worth it given the cash incentive.
  • The buyer must go through approved homebuyer education.
  • The purchase price for the foreclosed property must be discounted by at least 5% from the appraised value.
  • The buyer must live in the property as their primary residence.
  • If the foreclosed property was rented, it must have been clear of tenants for at least 12 months.

The best thing about this program is that first-time buyers can still take advantage of the $8,000 federal tax credit, for a total maximum benefit of over $22,000 for purchasing a foreclosed property. One thing to keep in mind is that MHDC has a limited pool of resources to fund this benefit – as compelling as it is, I suggest moving quickly!