Katelyn Mayer Realtor - Iron Valley Real Estate of Central PA

       Are you looking for a rental that feels less like a temporary space and more like a home? Look no further than this exceptional townhouse now available at 1002 Cambridge Court in Palmyra, PA . This is a rare opportunity to rent a property that combines spacious living with modern, low-maintenance features.      At $1,850 a month , this beautiful home offers over 1,500 square feet of well-designed living space. Step inside and you'll find an open and inviting main floor, complete with a cozy fireplace that's perfect for unwinding. The layout provides a seamless flow from the living area to the kitchen, making it ideal for both daily life and entertaining.      This three-bedroom, two-and-a-half-bathroom home truly stands out with its versatility. The finished basement can easily transform into a third bedroom, a private home office, or a personal gym—whatever best suits your needs. On the upper level, you'll find two additional...

Greene Township Residents: Fall Disposal & Recycling Programs As fall approaches, Greene Township residents have several opportunities to properly dispose of bulk items, white goods, tires, and yard waste. Here’s everything you need to know to take advantage of the township’s programs this season. Landfill Voucher Program – Blue Ridge Landfill Residents of Greene Township can use the Blue Ridge Landfill at 1660 Orchard Road, Chambersburg, PA 17202, up to six Saturdays per year . Voucher cards are available for free at the Greene Township Office (Monday–Friday, 8:00 AM – 4:00 PM). You’ll need a valid driver’s license to verify your address, and vouchers are available to Greene Township residents only . Bulk Item Drop-Off Bulk items can be dropped off Saturdays only, from 7:30 AM – 11:00 AM at Blue Ridge Landfill. Please note that white goods and metals are not accepted through this program. White Goods & Metals Disposal Items such as refrigerators, ranges, microwaves, wa...

  By Katelyn Mayer, Realtor – Serving Pennsylvania & Maryland Deciding whether to rent or buy your next home is a big decision — and one that depends on your personal circumstances, financial goals, and lifestyle. As a trusted Realtor serving both Pennsylvania and Maryland, I’m here to help you weigh the pros and cons so you can make the best choice for your future. When Renting Makes Sense 1. Flexibility is Your Priority If your job requires you to move frequently, or you’re not ready to settle down in one area, renting provides the freedom to relocate without the burden of selling a home. 2. Lower Upfront Costs Renting typically requires a security deposit and maybe first and last month’s rent, but it avoids the hefty down payment, closing costs, and ongoing maintenance expenses that come with homeownership. 3. Maintenance and Repairs Are Covered When you rent, your landlord is generally responsible for maintenance and repairs — a big plus if you’d rather avoid unexp...

 Whether you're a landlord protecting your investment or a tenant settling into a new space, renter’s insurance plays a critical role in the world of residential leasing. It’s often misunderstood, underestimated, or simply overlooked—but having a basic understanding of how it works can save both parties time, money, and stress. 🔍 What Is Renter’s Insurance? Renter’s insurance is a policy purchased by a tenant to cover personal property , liability , and additional living expenses in the event of damage, theft, or certain disasters. Importantly, this insurance does not cover the structure of the home—that’s the landlord’s responsibility. 🏠 For Landlords: Why Require Renter’s Insurance? As a landlord, requiring renter’s insurance is a smart way to: Minimize liability if a tenant causes accidental damage (e.g., kitchen fire or plumbing backup). Reduce disputes over personal property damage after incidents. Encourage tenants to be financially responsible. 💼 What Do...

  By Katelyn Mayer, Licensed Realtor in PA & MD | Relocation Specialist When I travel, I always bring my real estate lens along for the ride. Whether I’m exploring a neighborhood’s livability, gauging rental potential, or simply observing how an area “feels,” each trip doubles as a little market research. Our October 2022 visit to Myrtle Beach, South Carolina was no different. We stayed at Hilton Grand Vacations Club Ocean Enclave Suites , and while it was a wonderful place to relax, it reaffirmed something important: not every beautiful stay equals a wise real estate investment . 🏨 Ocean Enclave: A Luxury Hotel, Not a Long-Term Option Let me be clear— Ocean Enclave is stunning . It’s modern, clean, oceanfront, and full of resort-style amenities. It was perfect for a short family getaway. But as a licensed Realtor in Pennsylvania and Maryland and a relocation specialist , I wouldn’t recommend it as a second-home or vacation property option. Why? Because Ocean Enclave fu...

  What is it? LTVR compares the loan amount to the property’s value to measure lender risk. Formula: LTVR = ( Loan Amount Home Value ) × 100 \text{LTVR} = \left(\frac{\text{Loan Amount}}{\text{Home Value}}\right) \times 100 LTVR= ( Home Value Loan  Amount​) × 100 Example: Home price: $100,000 Down payment: $10,000 Loan amount: $90,000 L T V R = ( 90 , 000 100 , 000 ) × 100 = 90 % LTVR = \left(\frac{90,000}{100,000}\right) \times 100 = 90\% L T V R = ( 100 , 000 90 , 000 ​ ) × 100 = 90% A higher LTVR means higher risk for the lender. Loan Origination Fees What are they? Fees charged by lenders for processing a new loan, typically between 0.5% and 3% of the loan amount. Calculation: Origination Fee = Loan Amount × Origination Percentage \text{Origination Fee} = \text{Loan Amount} \times \text{Origination Percentage} Origination Fee = Loan Amount X Origination  Percentage Example: Loan amount: $225,000 Origination f...