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Tara Mortgage Services Featured Blog! Locked vs Floating Mortgage Rate: Which Is Better?

DHREA 19/11/2019

Mortgage rates have been relatively consistent, but don’t let that get you too comfortable. Rates are changing all the time…by how much, and whether it will be in your favor, we cannot say. We can make intelligent guesses, but we can’t predict with any certainty.  

However, that doesn’t mean that you are entirely powerless when it comes to taking charge of the mortgage rate you qualify for. 

You hold a lot of power, including the ability to qualify for a lower rate by improving your credit score, buying points, and exploring the rates of various home loan options. 

And here is another idea for getting a low mortgage rate in an uncertain market: get a floating mortgage rate. 

Bookmark this post for future reference and read on to understand the difference between a locked-in rate versus a floating rate. 

Locked and Floating Mortgage Rate Compared

Mortgage Rate Lock

“Locking” a mortgage rate means the interest rate won’t change from the time we offer it to you until the closing of your loan. When the rate rises—as they’re expected to—your rate won’t budge. Sounds great, right? It is! 

However, you should know that there are a few stipulations to a mortgage rate lock, such as:

  • Closing within the predetermined time frame
  • No changes to your mortgage application
  • Rate lock timeframes range from 30 to 60 days, though longer terms are sometimes available. 

Even with a locked rate, some circumstances can still cause a locked rate to adjust, namely:

  • You change the type of mortgage or the amount of your down payment. 
  • Your home appraisal is higher or lower than expected. 
  • Your credit score changes. 
  • There was trouble documenting your additional income such as bonuses or overtime

There is also a fee associated with locking in a rate, and the longer the rate lock term, the higher the fee. Plus, if the rate drops, you won’t be able to take advantage of the lower rate—unless you have a “float down” option.

What is a Float Down Option?

A “float down” option means that you’re able to reduce your interest rate if market conditions cause rates to drop during your lock term. This mortgage rate option is dependent on the daily market fluctuations. So if the interest rate goes up by the time you close on your mortgage, you’ll lose some buying power. 

But if the rate falls, you’ll gain some buying power. 

Choosing to float your mortgage rate is considered riskier because one can’t truly predict what rates will do from one day to the next. But the potential for savings is very attractive, which is why many mortgage applicants choose it. 

When Should You Choose to Float? 

When rates are decreasing steadily from week to week, it might be a good idea to float it. There’s a chance you’ll get a better rate when it’s time for the loan transaction to take place. 

On the other hand, if rates a less steady or are moving higher, then you’ll want to lock in your rates.  

How much can a rate impact your monthly mortgage payment? Let’s look at an example. A mortgage payment on a $200,000 home at a 4.5 percent interest rate would be $1,013. However, at a 4.75 percent interest rate, the payment would be $1,043. 

That $30 difference that adds up to nearly $400 over a year!

Need more personalized guidance about interest rates and which you should choose based on the current market? Call Tara Mortgage Services, your local mortgage experts!

(This blog was originally published at tara-mtg.net)

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Visit our affiliates!

MACE Property Management: www.PittsburghPropertyManagement.com

Tara Mortgage Services, LLC: www.Tara-MTG.net

HDH Settlement Services, LLC: www.HDHTitle.com

Burkhead Insurance Services: Burkhead.Insure

Bin There Dump That: www.PittsburghDumpsterRental.com

Red Tree Mortgage: https://www.redtreemtg.com/

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Tara Mortgage Services Featured Blog: How Identity Theft Affects Your Home Loan Approval

DHREA 13/11/2019

It makes everyone cringe at the mere possibility of it — identity theft. Unfortunately, about 1 in 15 Americans are victims of it. And the way most find out that it’s happened to them is when their credit is pulled, and they notice something suspicious. Indeed, identity theft can even negatively affect your home loan application. Here’s how identity theft affects your mortgage application and the steps you can take to help you get approved despite the fraud.

Types of Identity Theft And How It Affects Your Home Loan Application

There are many types of identity theft. While all are serious, only one can hamper getting a home loan. With financial identity theft, a criminal is using your identity to get approved for credit. While a $300 shopping spree probably won’t affect your ability to get approved for a mortgage, it could lower your credit score and change the mortgage rate you qualify for.

However, fraudulent charges of thousands or tens of thousands of dollars are sure to halt your loan approval and here’s why:

Part of getting approved for any loan is demonstrating that you can be trusted to pay it back. And, essentially, that’s what a credit score shows. The higher the score, the more financially responsible you appear to be, and the more lenders will trust that you can and will pay back the loan.

So when it comes to mortgage approval, you can imagine how much weight your credit score carries. And if your credit shows that you have a $12,000 debt that’s currently in collections, that’s a red flag that no lender wants to see.

Home loan denied. Well, for now, anyway.

Fortunately, that’s not the end of the story! While it’s not a fast process, there are steps you can take to help clear up the crime from your credit history and get you well on your way to home loan approval.

What You Can Do If You’re a Victim

First thing you want to do it report the crime to the police. You’ll also want to file an affidavit with the Federal Trade Commission. Sometimes, a copy of the police report and the affidavit is all that the underwriter needs to move your application towards approval. Unfortunately, even with proof of a crime and loan approval, your rate may remain on the higher end of the scale because rates are determined when you first applied for the home loan.

Now we come to a fork in the road. Accept the higher rate and move forward with the home purchase. Or wait until everything gets cleared from your credit history and start the process all over again.

Both options have their advantages and disadvantages.

If you decide to purchase now, you’ll have the certainty of buying in the current favorable conditions. Your rate may be high now but, then again, it could be high later too. The market is changing all the time, and we cannot predict what your future rate would be.

However, if you decide to take the extra steps to clear your history and wait to purchase, you’ll have the peace of mind that you are getting the best rate based on your actual credit score. Your rate may also be lower than it was the first time around, possibly saving you thousands of dollars over the life of the loan.

Plus, you also have to consider the housing market. The availability of homes for sale in your price bracket may not be the same in six months. Are you willing to wait and see?

Identity theft isn’t something that’s fixed overnight. After you’ve filed a police report and an affidavit with the FTC, you still need to submit copies to the credit bureaus. This will trigger an investigation and should also stop them from showing the fraudulent info on your report. The time it takes for your report to be completely cleared varies quite a bit. It can take as little as weeks, but in some cases, it’s taken years.

We hope that you are never a victim of identity theft, in any form. However, know that there is light at the end of the tunnel when it comes to buying your dream home even if this does happen to you. Do you know what rate you qualify for? Contact us today to see how low your rate can be!

(This blog was originally published at tara-mtg.net)

Network with over 700 Real Estate Investors! Join Alex Deacon’s Real Estate Networking Group on MeetUp.com, and be one of the first to receive updates on upcoming events!

Alex Deacon Real Estate Networking Workshops

Carnegie, PA
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Learn investing from a local expert with a vast amount of experience in the Pittsburgh market. Alex started investing in 1993. We will review hands on examples, analysis, and …

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Join Alex Deacon’s fast-growing Pittsburgh Landlord Group on MeetUp.com! Connect with other Landlords for monthly seminars with Q & A! Click below!

Pittsburgh Landlord Group

Carnegie, PA
234 Members

This is a great venue for Real estate investors, real estate agents and property managers to expand your knowledge and to help others in the field of being a landlord. We will…

Check out this Meetup Group →

Visit our affiliates!

MACE Property Management: www.PittsburghPropertyManagement.com

Tara Mortgage Services, LLC: www.Tara-MTG.net

HDH Settlement Services, LLC: www.HDHTitle.com

Burkhead Insurance Services: Burkhead.Insure

Bin There Dump That: www.PittsburghDumpsterRental.com

Red Tree Mortgage: https://www.redtreemtg.com/

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Tips for Ensuring a Smooth Move for Seniors!

DHREA 01/11/2019

Moving can be overwhelming for anyone, let alone some of our great seniors. Here’s some tips to make their move as easy as possible.

1. Communication and Choice

Seniors can be emotionally vested in the home they’re leaving, and it’s expected that there will be sadness and apprehension about the move. It can be a tough conversation to have with your aging parent, but give them time to grieve the change and talk about where they will be living and why they are moving, in order to help make the transition smoother. When seniors are asked to leave their longtime homes, a frequent cause of distress is their perceived loss of control, so give your loved one as much choice as possible as they plan and implement the move.

2. Plan Effectively

Before families begin the sorting and organizing process, it will help to have a visual of what they are getting into. What rooms need to be furnished? How many square feet is the new residence? Writing for AARP, Ann Goyer recommends plotting the floor plan of your loved one’s new home on graph paper, and suggests cutting out pieces to represent furniture.

3. Enlist Relatives

This will undoubtedly be a big job, so enlist help from your family. Encourage siblings or other close family members to take a few days off of work. Even children and younger members in the family can participate. Surrounding your senior parents with loved ones who are supportive and encouraging could help ease the emotional stress of moving as well.

4. Sort and Organize

Moving your elderly parents will involve downsizing. Go through the house item by item with your support team. You can categorize objects to make the process easier: items to be moved, keepsakes to be left with family, items to be sold or donated, and items to be thrown out. Don’t allow yourself to become a packing robot lacking feelings. Honor the emotional attachment to personal belongings and allow your senior parent to reminisce as you help sort out their possessions. Remember, these are not just things you’re moving; they’re memories. Also, be open to your own emotions, especially if this was your childhood home.

5. Clean and Repair

After the organizing and packing is complete, there is work that still needs to be done. Whether the house is going to be sold, rented or passed on to another relative — the general requirements are the same. The house should be cleaned, and they should consider making any required repairs now before any get worse. It’s better to take care of maintenance issues all at once rather than dealing with them later while the house is for sale (or after renters move in).

6. Plan the Moving Day

There are a few different strategies for moving your senior loved one into their new home. A full service mover is the easiest way to go, but also the most expensive. They will load everything, deliver to its destination and put things in place. We looked at quotes from movers and found the cost of moving the contents of a two bedroom home across the country exceeds $6,000.  Families can save some money on the move by using a self-service mover, which means their family will load the moving truck, but the cargo will be hauled by a professional mover.  Then there’s the do-it-yourself (DIY) option where you can rent a moving truck or trailer. But, even the DIY option of renting a U-Haul or Ryder is not cheap: a move from Atlanta to Los Angeles in a 26 foot truck could exceed $3,000 when you factor in gasoline.

Of course, each family’s circumstances are unique, so we’re hesitant to give blanket advice. However, I hope these tips help you better plan and execute your elder loved one’s next move!

Network with over 700 Real Estate Investors! Join Alex Deacon’s Real Estate Networking Group on MeetUp.com, and be one of the first to receive updates on upcoming events!

Alex Deacon Real Estate Networking Workshops

Carnegie, PA
738 Members

Learn investing from a local expert with a vast amount of experience in the Pittsburgh market. Alex started investing in 1993. We will review hands on examples, analysis, and …

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Join Alex Deacon’s fast-growing Pittsburgh Landlord Group on MeetUp.com! Connect with other Landlords for monthly seminars with Q & A! Click below!

Pittsburgh Landlord Group

Carnegie, PA
227 Members

This is a great venue for Real estate investors, real estate agents and property managers to expand your knowledge and to help others in the field of being a landlord. We will…

Check out this Meetup Group →

Visit our affiliates!

MACE Property Management: www.PittsburghPropertyManagement.com

Tara Mortgage Services, LLC: www.Tara-MTG.net

HDH Settlement Services, LLC: www.HDHTitle.com

Burkhead Insurance Services: Burkhead.Insure

Bin There Dump That: www.PittsburghDumpsterRental.com

Red Tree Mortgage: https://www.redtreemtg.com/

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Trick or Treat Checklist and Safety Tips

DHREA 31/10/2019

You can never be too prepared or too safe when it comes to our children trick or treating. Continuing the Halloween theme this week, we thought it was important to present some tips and tricks to help make you and your child’s Halloween fun, safe, and as fail-safe as can be. First, we listed some fantastic supplies that come in handy during the yearly candy and costume adventure. Second, some really good safety tips for the spooky night. These might just be refreshers to some, but protecting our little ones is worth the refresher.

TRICK OR TREAT SUPPLY CHECKLIST

  • Candy Bag
  • Flashlight
  • Extra Batteries
  • Reflector Strips or Glow Stick
  • Trick or Treating Route
  • Return Home/Meet-Up Time
  • Emergency Identification Information Attached
  • Costume Check
  • Bandaids
  • Bottled Water
  • Extra House Key
  • Cell Phone

TRICK OR TREAT SAFETY TIPS

  • Go During Safe Trick Or Treat Times

    You don’t have to wait until it is pitch-black outside to go trick-or-treating. A good trick or treat time is right after an early dinner and just before dusk when you can keep better track of your children and you are able to see the others that you encounter on the street. Besides, if you are the first person there, you will have the best selection of candy!

  • Steer Clear Of Masks

    While masks are a fun part of many costumes, do your best to recreate the mask with face paint. Having a mask on can sometimes impair the vision of the child wearing it. With face paint, it is easier for your child to see where they are going and they won’t have to lift their mask to have a conversation with a fellow trick or treater. If your child absolutely must wear a Halloween mask, make sure it’s a snug fit, is ventilated and has large enough eyeholes so they can see all around them.

  • Be Visible

    If your kids will comply, choose costumes that are brightly colored so that they are easier to see in the dark. If they really want a dark costume, apply some reflective strips to their costume. You could also have them wear glow necklaces or carry glow sticks and flashlights.

  • Never Go Alone

    It is important that your children have an adult chaperon at all times while trick or treating. You should also discreetly add some emergency identification information such as the child’s name, address & phone number to their costume or on a bracelet in case your child happens to get separated from the group.

  • Walking Tips

    Be sure that your children understand simple traffic rules, such as stopping and looking both ways before crossing the street, and staying in a crosswalk if one is available. If you have to cross at a light, make sure you have the proper “walk” signal before you proceed. Inform your children that they should never assume that they have the right away when crossing the street, especially at night on Halloween.

  • Knock On Doors That You Know

    Encourage your children to only trick-or-treat at homes where they know the inhabitants. If they know everyone on the street, except for one house, they could ask the neighbors about that one house. If a home is dark or has no Halloween decorations, that is typically a good sign that they are not up for trick-or-treaters.

  • Don’t Go Inside

    Trick-or-treaters always seem to run across a house or two where someone invites them to “come in”. Remind your little ones that they should never go inside anybody’s home while trick-or-treating. They can easily get the candy they seek from the porch or if the homeowner is persistent, inform them to simply turn and walk away.

  • Stay On Track

    It might be tempting to take a short cut through an alley or cut through someone’s yard, but that can sometimes pose a danger. Stay on streets and in neighborhoods that are well lit and where there are plenty of people around.

  • Say No!

    If you’re children are old enough to trick or treat in a group without you, be sure and designate a time for their return. Teach your children that if a stranger offers to give them a ride or take them to a Halloween Party, they should say “no”. Stranger danger is important to remember no matter how old your kids are, even while trick-or-treating.

  • Taste-Testing Patience

    Make sure your little goblins know that trick or treating is for gathering candy, not eating it as they receive it. You know they’re going to be tempted to take a taste before you’ve had a chance to inspect it, so pack a goody bag with some of your own Halloween candy so they have something to snack on if they just can’t wait until they get home.

Network with over 700 Real Estate Investors! Join Alex Deacon’s Real Estate Networking Group on MeetUp.com, and be one of the first to receive updates on upcoming events!

Alex Deacon Real Estate Networking Workshops

Carnegie, PA
738 Members

Learn investing from a local expert with a vast amount of experience in the Pittsburgh market. Alex started investing in 1993. We will review hands on examples, analysis, and …

Check out this Meetup Group →

Join Alex Deacon’s fast-growing Pittsburgh Landlord Group on MeetUp.com! Connect with other Landlords for monthly seminars with Q & A! Click below!

Pittsburgh Landlord Group

Carnegie, PA
227 Members

This is a great venue for Real estate investors, real estate agents and property managers to expand your knowledge and to help others in the field of being a landlord. We will…

Check out this Meetup Group →

Visit our affiliates!

MACE Property Management: www.PittsburghPropertyManagement.com

Tara Mortgage Services, LLC: www.Tara-MTG.net

HDH Settlement Services, LLC: www.HDHTitle.com

Burkhead Insurance Services: Burkhead.Insure

Bin There Dump That: www.PittsburghDumpsterRental.com

Red Tree Mortgage: https://www.redtreemtg.com/

Read More

Western Pennsylvania Trick or Treat Times (With Updates)

DHREA 30/10/2019

Don’t let the rain wash away your Halloween festivities! Here’s a list of Trick or Treat times all over Western Pennsylvania. Locations in green have been updated due to weather on Thursday:

Allegheny County

Aspinwall – Thursday, October 31, 6:00-7:30 PM (Trick or Treat), 7:30-9:30pm (Firefighter’s Costume Parade @ Aspinwall Borough Building)
Avalon – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Baldwin Borough – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Baldwin Township – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Bellevue – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Ben Avon – Thursday, October 31, 6:00-8:00 PM (Trick or Treat), Saturday, October 26, 12:00-1:00PM (Halloween Parade)
Bethel Park – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Blawnox – Thursday, October 31, 6:00-8:00 PM (Trick or Treat), Thursday, October 31, 5:30-6:00PM (Children’s Halloween Parade)
Braddock – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Braddock Hills – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Brackenridge -Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Bridgeville – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Carnegie – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Castle Shannon – Saturday, November 2, 6:00-8:00 PM (Trick or Treat)
Churchill – Saturday, October 26, 2:00 PM (Halloween Party at Yagle Community Center), Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Clairton -Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Collier – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Coraopolis – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Crafton – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Crescent – Saturday, November 2, 5:30-7:00 PM (Trick or Treat)
Dormont – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Dravosburg – Friday, November 1, 6:00-7:30 PM (Trick or Treat)
East Deer – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Edgewood – Tuesday, October 29, 6:00 PM (Halloween Parade, outside Edgewood Elementary School), Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Edgeworth – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Elizabeth Borough – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Elizabeth Township – Thursday, October 31, 6:00-8:00 PM (Trick or Treat), Saturday, October 19, 11:00-12:00 PM (Halloween Parade/ Trunk or Treat)
Fawn – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Findlay Township – Saturday, November 2, 4:00-6:00 PM (Trick or Treat) 
Forest Hills – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Forward – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Fox Chapel – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Glen Osborne – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Green Tree – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Harmar – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Harrison – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Indiana Township – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Ingram – Saturday, October 26, 2:00-4:00 PM (Trick or Treat)
Jefferson Hills – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Kennedy – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Leetsdale – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Liberty Borough – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Lincoln – Saturday, October 26, 6:00-8:00 PM (“Trunk or Treat” at Fireman’s Social Hall)
Marshall – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
McCandless – Saturday, November 2, 5:00-7:00 PM (Trick or Treat)
McKees Rocks – Saturday, October 26, 12:00 PM (Halloween Event, Rangers Field), Thursday, October 31, 6:00- 8:00 PM (Trick or Treat)
McDonald – Saturday, November 2, 2:00-4:00 PM (Trick or Treat)
Millvale – Thursday, October 31, 5:30-8:00 PM (Trick or Treat)
Monroeville – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Moon Township –  Saturday, November 2, 5:00-7:00 PM (Trick or Treat)
Mount Oliver – Saturday, October 26, 2:00-4:00PM (Trunk or Treat), Thursday, October 31, 5:30-7:30 PM (Trick or Treat)
Mt. Lebanon – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Munhall – Saturday, October 26, 2:30 PM (Halloween Parade), Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Neville Island – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
North Braddock – Thursday, October 31 6:00-8:00 PM (Trick or Treat)
North Fayette – Saturday, November 2, 4:00-6:00 PM (Trick or Treat)
North Versailles – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Oakdale – Thursday, October 31, 6:00-8:00 PM (Trick or Treat) 
Ohio – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Pennsbury Village – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Penn Hills – Thursday, October 31 5:30PM-7:30 PM (Trick or Treat)
Pitcairn – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Pittsburgh – Thursday, October 31, 5:30-7:30 PM (Trick or Treat)
Pleasant Hills – Tuesday, October 29, 6:30-8:00 PM ( Halloween Parade), Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Port Vue – Thursday,, October 31, 6:00-8:00 PM (Trick or Treat)
Reserve – Sunday, October 27, 1:00 PM (Halloween Parade), Thursday, October 31, 5:30-7:30 PM (Trick or Treat)
Richland Township – Sunday, October 20 (Halloween Party), Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Robinson – Saturday, October 26, 12:00-2:00 PM (Halloween in the Park), Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Ross Township – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Scott – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Sewickley – Saturday, October 26, 10:30-11:30 AM (Halloween Parade), Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Sewickley Hills – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Shaler – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Sharpsburg – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
South Fayette – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
South Park – Sunday, October 27, 1:30-4:00 PM (Halloween Party), Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
South Versailles – Friday, November 1, 6:00-8:00PM (Trick or Treat)
Springdale Borough – Thursday, October 31, 5:30-7:30 PM (Trick or Treat)
Swissvale – Saturday, November 2 5:00-7:00 PM (Trick or Treat)
Tarentum – Saturday, October 12, 3:00-6:00 PM (Boo Festival), Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Thornburg – Thursday, October 31, 6:15 PM (Halloween Parade, Trick or Treat immediately following)
Trafford – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Upper St. Clair – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Verona – Thursday, October 31, 6:00PM-8:00PM (Trick or Treat)
West Deer Township – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
West Mifflin – Thursday, October 31, 6:00-7:30 PM (Trick or Treat), Saturday, October 26, 2:00-4:00PM (Kid’s Halloween Event and Fall Fest)
West View Borough – Thursday October 31, 6:00-8:00PM (Halloween Parade on Monday Oct. 27 at 7PM – Perry Highway at Highland Avenue)
Whitehall – Thursday, October 31 6:00 PM-8:00 PM (Trick or Treat)
Wilkins Township – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)

Beaver County

Ambridge – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Beaver – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Brighton – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Chippewa Township – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Conway Borough – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Hanover Township – Saturday, November 2, 6:00-8:00PM

Butler County

Buffalo Township – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Butler Township – Thursday, October 31, 6:00-7:00 PM (Trick or Treat)
Cranberry – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Seven Fields – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Summit Township – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Zelienople – Wednesday, October 30, 6:30-7:30 PM (Halloween Parade), Thursday, October 31, 6:00-8:00 PM (Trick or Treat)

Fayette County

Connellsville – Friday, November 1, 6:00-8:00 PM (Trick or Treat)

Washington Township/Belle Vernon – Saturday, October 26, 2:00-4:00 PM (Trick or Treat)

Lawrence County

Mahoning Township – Thursday, October 31, 6:00-9:00 PM (Trick or Treat)
New Castle – Saturday, November, 4:00-6:00 PM (Trick or Treat)
Wampum – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)

Mercer County

Sandy Lake – Thursday, October 31, 4:00-6:00 PM (Trick or Treat)

Washington County

Canonsburg – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Canton Township – Thursday, October 31, 5:30-7:30 PM (Trick or Treat)
Carroll Township – Saturday, October 26, 5:00-7:00 PM (Trick or Treat)
Midway Borough – Wednesday, October 30, 6:00-8:00 PM (Trick or Treat)
North Strabane – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
South Strabane – Thursday, October 31, 5:30-7:00 PM (Trick or Treat)
Peters Township – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)

Westmoreland County

East Vandergrift Borough – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Hempfield – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Irwin – Friday, November 1, 6:00-8:00 PM (Trick or Treat) 
Lower Burrell – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
New Stanton – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
North Huntingdon – Friday, November 1, 6:00-8:00 PM (Trick or Treat) 
North Irwin – Friday, November 1, 6:00-8:00 PM (Trick or Treat) 

Southwest Greensburg – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
West Leechburg – Thursday, October 31, 6:00-8:00 PM (Trick or Treat)
Youngwood Borough – Thursday, October 31, 6:00 PM (Halloween Parade), Trick or Treat immediately following parade (End time not stated)

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Alex Deacon Real Estate Networking Workshops

Carnegie, PA
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Learn investing from a local expert with a vast amount of experience in the Pittsburgh market. Alex started investing in 1993. We will review hands on examples, analysis, and …

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Pittsburgh Landlord Group

Carnegie, PA
226 Members

This is a great venue for Real estate investors, real estate agents and property managers to expand your knowledge and to help others in the field of being a landlord. We will…

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