Hartwick Up North Homes

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Hartwick Up North Homes Meet the Hartwicks, your Northern Michigan real estate family team. It all starts with getting to know you and your unique situation.

Hartwick Up North Homes, led by long time Harbor Springs residents, Bob & Trish Hartwick, offers personalized real estate services in Northern Michigan, specializing in waterfront, luxury, and investment properties. Bob and Trish Hartwick's story began in Harbor Springs, where they met, married, and started both a family and a business dedicated to the Up-North lifestyle. Hartwick Up North Homes provides real estate services across a broad area of Northern Michigan, including Petoskey, Harbor Springs, Charlevoix, and Boyne City. The Hartwicks offer comprehensive assistance for buying and selling homes, condos, and land, specializing in waterfront and luxury listings, as well as investment properties. Home sellers benefit from the Hartwick family's lifetime Up-North residency and expertise to connect with both local and remote qualified buyers. The Hartwicks help buyers visualize and acquire their dream homes, seasonal residences, or investment properties through personalized service. Why Choose Hartwick Up North Homes? Highest Credentials & Proven Results: The Hartwicks have a more than 30-year track record of success: over $500 million in total sales and 60 to 80 transactions annually, with top professional credentials including Accredited Buyer Representative, Certified Residential Specialist, and Luxury Property Specialist with high customer satisfaction in online reviews. Deep Local Roots: Decades of Northern Michigan residency, living and breathing the Up-North lifestyle daily. The Hartwicks have expert understanding of the landscape, local regulations, and professional relationships to expedite your property goals. Essential Expertise & Service: Bob's diversified career includes luxury resort development, commercial and residential sales, and brokerage ownership. Trish is a high performing luxury certified agent known for comprehensive customer service and community connection. As part of the Coldwell Banker Schmitt Petosky team, they bring you family-focused service with the backing of an established brokerage. They deliver proactive support and consistent communication tailored to your situation. Our Mission

Whether seeking new owners for your cherished family home, locating your perfect residence, managing your seasonal rental, connecting you with exceptional builders, or identifying smart investment opportunities, we're here as your local experts. Our family business is dedicated to ensuring you achieve your goals and have the most positive ownership experience possible. We're here to advise and help throughout every season of your Up-North life.

TRISH'S TUESAYS TIPSRepairs You Shouldn’t Ignore (and Ones That Can Wait)Owning a home comes with a steady stream of rep...
10/20/2026

TRISH'S TUESAYS TIPS

Repairs You Shouldn’t Ignore (and Ones That Can Wait)

Owning a home comes with a steady stream of repairs, both big and small. When several issues appear at once, it can be difficult to know what truly needs immediate attention and what can be handled later.

Understanding the difference can reduce stress and help you make more confident decisions about your home.

Repairs that affect safety
Issues that pose a safety risk should always come first. Electrical problems, gas odors, unstable railings or damaged steps are examples of repairs that should not be delayed.

Addressing safety concerns promptly helps protect everyone in the home and prevents accidents before they happen.

Problems involving water or moisture
Water-related issues often worsen over time. Leaks, persistent dampness or signs of water damage can lead to mold, rot or structural concerns if left untreated.

Even small leaks deserve attention sooner rather than later to avoid larger repairs down the road.

Structural concerns need closer attention
Cracks that grow quickly, sagging floors or shifting foundations can signal deeper issues. While not every crack is a problem, changes that worsen or appear suddenly should be evaluated.

When structure is involved, early assessment often prevents more extensive damage.

Repairs that affect daily function
Some issues may not be emergencies but still disrupt daily life. Broken appliances, unreliable heating or cooling or plumbing problems in frequently used areas can quickly become frustrating.

These repairs often fall into the “soon” category, even if they are not immediate emergencies.

Cosmetic issues can usually wait
Scuffed floors, chipped paint or outdated finishes often look worse than they are. While these issues affect appearance, they rarely cause damage if postponed.

Cosmetic updates can be scheduled when time and budget allow without creating long-term problems.

Trust patterns, not isolated moments
A one-time noise or minor issue is not always cause for concern. Repeated problems, ongoing odors or changes that continue to worsen over time are more important to watch.

Paying attention to patterns helps distinguish between normal wear and issues that need attention.

Prioritizing with confidence
Not every repair requires immediate action. By focusing on safety, water and structure first, homeowners can make thoughtful choices and reduce unnecessary worry while caring for their homes over time.

🏡 Just Sold | 9651 South River Road, CheboyganA family home for generations on just over 17 wooded acres — and now it be...
10/20/2026

🏡 Just Sold | 9651 South River Road, Cheboygan

A family home for generations on just over 17 wooded acres — and now it belongs to a new family. We’re so pleased to have represented the sellers on this one. From the brick wood stove insert and elevated primary deck to the 30x40 pole barn, vintage cabin, and everything in between, this property found exactly the right buyer.

Thinking about selling? We’d love to talk.

Trish: 231-838-0411 | Bob: 231-838-2926 | Coldwell Banker Schmidt – Petoskey (231) 347-7600

Sunday, October 18th:10am–12pm | 8324 Valley Road, Levering | $849,0001pm–3pm | 8660 Tall Timber Lane, Petoskey | $598,0...
10/17/2026

Sunday, October 18th:

10am–12pm | 8324 Valley Road, Levering | $849,000
1pm–3pm | 8660 Tall Timber Lane, Petoskey | $598,000

Swipe to see each home, then stop in and say hi. 👋

All listings at trishhartwick.com

Trish: 231-838-0411 | Bob: 231-838-2926 | Coldwell Banker Schmidt – Petoskey (231) 347-7600

🏡 Two open houses this Saturday — we’d love to see you!Saturday, October 17th:10am–12pm | 8292 Woodloft Trail, Harbor Sp...
10/17/2026

🏡 Two open houses this Saturday — we’d love to see you!

Saturday, October 17th:

10am–12pm | 8292 Woodloft Trail, Harbor Springs | $739,000
1pm–3pm | 2563 Woodside Drive, Petoskey | $958,900

Swipe to see each home, then stop in and say hi. 👋

All listings at trishhartwick.com

Trish: 231-838-0411 | Bob: 231-838-2926 | Coldwell Banker Schmidt – Petoskey (231) 347-7600

Happy Friday.....Just had to share 🤣🤣🤣🤣
10/16/2026

Happy Friday.....Just had to share 🤣🤣🤣🤣

✨ Just Sold — 387 Silver Creek Road, Petoskey | $410,000No HOA. Just over 1 private acre. Close to downtown Petoskey. Th...
10/14/2026

✨ Just Sold — 387 Silver Creek Road, Petoskey | $410,000

No HOA. Just over 1 private acre. Close to downtown Petoskey. This one had everything the right buyer was looking for—and it sold. If you’re thinking about making a move in Northern Michigan, now is a great time to find out what your home is worth.

Trish: 231-838-0411 | Bob: 231-838-2926 | Coldwell Banker Schmidt – Petoskey (231) 347-7600

🏡 Just Listed | 2015 Woods Lane  #46, Petoskey — $445,000Everything you need for daily life falls on one floor at this B...
10/12/2026

🏡 Just Listed | 2015 Woods Lane #46, Petoskey — $445,000

Everything you need for daily life falls on one floor at this Bear Creek Estates townhome — primary bedroom, updated kitchen, renovated bath, gas fireplace, and laundry all under cathedral ceilings. Below, a finished walkout lower level adds a large family room, a bedroom, a full bath, and two decks with wooded views. One mile from downtown Petoskey, with the association handling maintenance.

trishhartwick.com/property/481023/?view

Trish: 231-838-0411 | Bob: 231-838-2926 | Coldwell Banker Schmidt – Petoskey (231) 347-7600

✨ Just Listed | 8292 Woodloft Trail, Harbor Springs — $739,000Mid-century modern meets up-north cabin on a wooded lot ne...
10/12/2026

✨ Just Listed | 8292 Woodloft Trail, Harbor Springs — $739,000

Mid-century modern meets up-north cabin on a wooded lot near Boyne Highlands and downtown Harbor Springs. Four bedrooms, three full baths, and three finished levels—a light-filled sunroom, a primary bedroom with its own private deck, and a lower level built for entertaining. No association, and a proven short-term rental track record.

trishhartwick.com/property/481025/?view

Trish: 231-838-0411 | Bob: 231-838-2926 | Coldwell Banker Schmidt – Petoskey (231) 347-7600

TRISH'S TUESDAYS TIPS:Tired of PMI: Here’s When It Goes AwayYou’ll need to pay PMI if you provide a down payment of less...
10/12/2026

TRISH'S TUESDAYS TIPS:

Tired of PMI: Here’s When It Goes Away

You’ll need to pay PMI if you provide a down payment of less than 20% of a home’s purchase price when you take out a conventional mortgage. Conventional mortgages are any home loans not insured by a government body.

Homeowners don’t like PMI, partly because it doesn’t protect them. Instead, this insurance protects the lender in case you stop making your mortgage payments.

PMI can also be expensive. It varies, but you’ll usually pay from $30 to $70 a month for every $100,000 that you borrow. In other words, if you take out a $300,000 mortgage, PMI could cost you an extra $90 to $210 per month.

Fortunately, PMI isn’t permanent. It will disappear before you pay off your mortgage loan.

How to get rid of PMI

One of the most common ways to eliminate PMI is through automatic termination.

Under federal law, your lender must cancel your PMI payments once your mortgage loan balance reaches 78% of your home’s value when you bought it. This means if you spent $300,000 on your home, your lender must cancel your PMI when your mortgage balance hits $234,000.

The best thing about this? You don’t have to do anything except make your mortgage payments on time. As you pay down your mortgage, you’ll hit the 78% mark, and your lender will cancel PMI without you taking any further action.

Requesting early cancellation

But waiting for automatic cancellation isn’t your only option for eliminating PMI.

You can ask your lender to remove PMI when your loan balance reaches 80% of your home’s original purchase price. To do this, you’ll contact your loan servicer and formally request cancellation. Your lender might order an appraisal to make sure that your home’s value has not declined since you purchased it.

There are certain requirements for canceling PMI at this level. Most lenders will require that you have a good payment history. This means no 30-day late payments in the last year or 60-day late payments in the last two years.

You might not think that requesting an earlier cancellation of PMI will make much difference. After all, the 80% threshold for requesting cancellation isn’t much higher than the 78% mark for automatic cancellation.

But canceling when your mortgage balance reaches 80% of your original purchase price can save you thousands of dollars in extra mortgage payments, depending on the size of your loan and the amount you pay in PMI each month. It’s important, then, to keep track of your loan-to-value ratio and to request cancellation of PMI as early as you can.

💲 Price Reduced | Trout Creek  #77 | Now $399,500One of the few ranch-plan units at Trout Creek just got even more acces...
10/07/2026

💲 Price Reduced | Trout Creek #77 | Now $399,500

One of the few ranch-plan units at Trout Creek just got even more accessible. Trout Creek #77 is a single-level, move-in ready condo with every room overlooking a quiet wooded setting — updated kitchen with new stainless appliances, renovated primary bath with walk-in shower, wood-burning fireplace, screened-in patio, and a flexible floor plan that works for full-time living, a Northern Michigan getaway, or a short-term rental. Detached garage, separate laundry room, central air.

Resort amenities include a pool, clubhouse, tennis and pickleball courts, fitness center, and trails. Nub’s Nob and The Highlands are minutes away.

Now priced at $399,500 — see the full tour here:
trishhartwick.com/property/479762/?view

Trish: 231-838-0411 | Bob: 231-838-2926 | Coldwell Banker Schmidt – Petoskey (231) 347-7600

Address

420 Howard Street
Petoskey, MI
49770

Opening Hours

Monday 8am - 7pm
Tuesday 8am - 7pm
Wednesday 8am - 7pm
Thursday 8am - 7pm
Friday 8am - 7pm
Saturday 8am - 7pm

Telephone

(231) 838-0411

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