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Sunday, March 26, 2017 from 1:00 PM to 3:00 PM Ridge 2 River Realty will be hosting an Open House this Sunday in Paden City. If you are interested in a home in Paden City stop by and visit these fine properties: 101 S. Third Ave. 117 E. Madison St. ... Read more
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Welcome to Ridge 2 River Realty, LLCTHE GOLD STANDARD IN REAL ESTATE SERVICE. We hope you enjoy your visit and explore everything our realty website has to offer, including Tyler and Wetzel County real estate listings, information for homebuyers and sellers, and more About Us, your area's professional Realtors.  From the ridges to the river and all the hollows in between, it will be our pleasure to serve you.

Looking for a new home? Use Quick Search or Map Search to browse an up-to-date database list of all available properties in the area, or use our Dream Home Finder form and we will conduct a personalized search for you.

If you're planning to sell your property in the next few months, nothing is more important than knowing a fair asking price. We would love to help you with a FREE Market Analysis. We will use comparable sold listings to help you determine the accurate market value of your home.

Testimonials Page

A year ago, plunged into the unexpected task of settling an estate in Tyler County, complicated by my living nearly 2000 miles away, the only solution was to find the best, most trustworthy realtor in the area. That person was Steve Zechman, recommended by the estate attorney who had positive experiences with him. Although he was about to depart for vacation, Steve met me on a Sunday morning at the house, explained the process and handled virtually everything from that point forward. At every decision point, Steve communicated clearly the options available and when asked, gave his opinion on the most viable choice. Nearly a year later, the house closed, having involved far more logistics and innovative solutions than we ever could have imagined. The house was in dire need of repair in many areas, but Steve found a buyer willing to do the repairs himself despite being retired without many resources. Anyone who needs a professional who values follow-up, attention to detail, honesty, integrity, and willingness to find a solution even in the most adverse circumstances cannot go wrong with Steve Zechman. He made what could have been a nearly impossible sale happen with concern for the best outcome for everyone involved. In short, Steve Zechman is an amazing, awesome realtor and I recommend him without reservation. Judith Morales, Brownsville TX
My wife Irmgard and I currently live in Houston TX. Living so far from Tyler County it was vital to have a strong Agent like Steven. He took responsibility for the sale of our property from start to close. He protected our interests and provided regular updates and advice. Steven handled the sale of our property with the skill and care of a true professional. He has earned our Trust and Friendship. We wish Steven and his wife Linda the best in their new Real Estate practice. Peter and Irmgard Guenther, Houston TX
If you are looking for a knowledgeable realtor, try Steve Zechman. Steve was readily available to show my property and capable of answering any questions between the buyer and the seller. He is honest and has passion for his job. I tried to sell my property on my own but had no luck. Steve had it sold within a short time. Dena Grimes, Tyler County
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Real Estate News!!!

Latest Realty News from NAR

Audio: Dealing with Cyberthreats

Steve Spano, president and chief operating officer of the Center for Internet Security, recently visited NAR’s Washington offices to discuss techniques real estate professionals can employ to stay safe online. Listen to his comments below.

Yes, Interest on Home Equity Loans is Still Deductible

There’s been confusion since the big tax law was enacted over the deductibility of interest on home equity loans. NAR has been saying that the interest is still deductible for the part of the loan that’s used for home repairs, renovations, and additions. And that’s the correct interpretation, according to the IRS. The agency confirmed that in a memo about a week and a half ago.

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The part of the loan that’s used on the house to fix something or improve it remains deductible under the new tax law. Loan proceeds that are used for personal living expenses or anything not related to improving the home are not deductible.

The clarification is looked at in the latest Voice for Real Estate news video from NAR.

The video also looks at an important vote in the House on so-called drive-by lawsuits. These are lawsuits filed by people who are using accessibility requirements under the Americans with Disabilities Act to extract fees from small property owners. People are sending letters to property owners alleging they have an ADA violation and threatening a lawsuit unless the owner reaches a settlement with them. The person sending the letter typically doesn’t even say what the alleged violation is. The only way the owner can find out is by going to court. Most owners end up settling as the cheaper alternative and if there was ever any violation the owner never finds out what it is.

The House passed a bill requiring people who send these letters to identify what the alleged violation is and to give owners a chance to correct the problem before taking them to court. It’s a solution that addresses a clear abuse of an important law and NAR supported its passage. The bill still has to be taken up in the Senate.

Other topics in the video include NAR’s Commitment to Excellence initiative, which will roll out later this year, to give NAR members a chance to voluntarily assess how well they perform on key aspects of their business, including technology, the Code of Ethics, and the forms and contracts they use.

The video also gives an update on home sales—they’re off to a slow start this year, mainly because of inventory shortages in many markets, especially among lower-cost starter homes—and what’s happening in commercial real estate. Briefly, transaction volume on small cap properties is doing okay but volume on large cap properties is slowing down.

Watch and share video.

What’s the Right Way to Structure a Marketing Service Agreement?

Real estate practitioners entering into marketing service agreements with lenders, title companies, and other settlement service providers is a well-established practice, but a recent court decision shows why you have to structure these agreements the right way.

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An appellate court just ruled that it’s okay for a mortgage lender to refer business to mortgage insurers who are buying reinsurance from an affiliate of the lender, because the reinsurance is a bona fide service and the insurers are paying fair market rates for it. In other words, the arrangement doesn’t amount to a kickback.

Although the case involves a lender, insurance companies, and a reinsurer, the structure of the agreement is something that applies to the kind of marketing service agreements you might be involved in as an agent or broker. Any agreement you enter into with a lender or title company must be for actual services rendered and priced at fair market rates and not simply an arrangement for referrals.

How do you ensure a marketing agreement is appropriate under federal anti-kickback rules? The most important thing is to have it looked at by an attorney who’s familiar with the Real Estate Settlement Procedures Act, or RESPA. For a general idea, though, there are two tests you can apply:

1.Is the marketing fee you receive based on the number of referrals you make to the company, whether it’s a title company, a lender, or another service provider? If the fee corresponds to the number of referrals, you could be inviting a close look by the Consumer Financial Protection Bureau (CFPB), which is the federal agency that enforces RESPA.

2. If you have an arrangement to split costs on a joint project, like a newspaper ad, is the split reflective of what each of you get in return? For example, if you and the title company are splitting the cost of the ad down the middle, then half the ad should go to the title company and half should go to you. If the title company is covering 75 percent of the cost of the ad but only taking up 25 percent of the space, that split makes it look like the company is subsidizing 50 percent of the ad cost. Again, you could be inviting a close look by the CFPB.

Learn more about the recent court decision in the latest Voice for Real Estate news video from NAR. The video also looks at what was in the budget agreement enacted into law about two weeks ago. Among other things, the new law extends the tax deduction for mortgage insurance premiums and retains the prohibition on taxing forgiven mortgage debt as income. It also looks at why a recent Supreme Court decision on the regulation of bodies of water is important to your inbdustry.

Watch video now.

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"The GOLD Standard in Real Estate Service"
Ridge 2 River Realty, LLC
A West Virginia Limited Liability Company
Steve Zechman, Broker

All information deemed reliable but not guaranteed, and may be subject to errors and omissions. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s), agent(s), or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.