Lowell Roush's Blog

WichitaShortSales.com Short Sales

Lowell Roush (CENTURY 21 Advantage) — Thu, 11 Sep 2008 14:54:46 -0700

WichitaShortSales.com

Let CENTURY 21 Advantage give you a helping hand!

ARE YOU IN FORECLOSURE?

DO YOU NEED A FRESH START?

INTEREST RATE ADJUSTMENT GOT YOU DOWN?

Here at CENTURY 21 Advantage, we have contacts trained to work with your lender to accept less than is owed due to a financial hardship on your part. We specialize in negotiating this foreclosure process. DON'T WAIT UNTIL YOU'RE IN TROUBLE. CALL US NOW! Let us give you information you can trust. Call our Customer Service Department for immediate help. 316-264-2121 or 800-321-4894

What is a Short Sale?

A short sale is when the lender will accept less than the full amount due on a mortgage when a property is sold. Usually, the lender will accept the short sale to avoid the time and expense of a foreclosure. Financially the lender is actually ahead after a short sale.

What is involved to do a Short Sale?

In order to start negotiating the Short Sale, the lender will usually require the homeowner to submit verification that they are qualified in order to consider the short sale. The information required and documentation necessary is provided to you as well as training on the entire process.

Will the bank come after me for the difference?

CENTURY 21 Advantage will always negotiate with lenders to "Not seek a deficiency judgment" against the homeowner.

Will I get a 1099 from the bank and do I have to pay taxes on that income?

Upon successfully closing a short sale, lenders will always report a loss to the IRS and issue a 1099. However, the Mortgage Forgiveness Act of 2007 was signed into law on 12-20-07 and is now official, effectively getting rid of the question "will I be taxed on the Short Sale". Prior to this action, forgiven mortgage debt due to foreclosure, short sale, or deed in lieu of foreclosure, was potentially taxable income to the borrower.

This was the subject of much media attention and led to many questions and concerns from Sellers wondering whether or not they were going to get "hit with taxes" on the Short Sale.
The new law, however, temporarily waives these taxes for debts forgiven (as high as 35%) from the beginning of 2007 to the end of 2009.
This will effectively put an end to the question from Sellers... will I be taxed on the Short Sale discount. The definitive answer (at least until the end of 2009) is NO!

For a copy of the Mortgage Forgiveness Debt Relief Act of 2007, go to:
http://www.whitehouse.gov/news/releases/2007/12/20071220-6.html

Will my credit be affected?

If you have to short sale your home, you've most likely missed payments already. That in itself has already adversely affected your credit. The key here is to stop the devastating affect on your credit that a Foreclosure causes. A Foreclosure is the most damaging record on your credit report - it's even worse than bankruptcy.

By working with CENTURY 21 Advantage you give yourself a fighting chance of avoiding foreclosure and start towards the "Rebuilding" process. With our help, your credit will recover quickly if you keep your other lines of credit in good standing. With CENTURY 21 Advantage you have an experienced team of professionals that will help you through these tough times.

Is a Short Sale right for me and my situation?

Mortgage lenders are increasingly willing to work with borrowers faced with a financial hardship to accept a discounted payoff on a mortgage. If you are faced with a hardship, and are unable to meet your obligation on your mortgage, your lender would prefer to settle the matter with you as opposed to taking the property through foreclosure.
As you consider the option of pursuing a short sale, remember your lender is looking to limit any potential loss on your loan. By completing a short sale, your lender has arrived at a solution that is, for them, much better than a costly foreclosure.

What sort of hardship would my lender consider legitimate?

To some extent, that will depend upon the mortgage company considering the short sale request. Generally, as long as the hardship is real and the mortgage company believes the loan is likely to become delinquent as a result, the short sale request will be processed by the Loss Mitigation Department. A big key to getting Loss Mitigation to accept a hardship is to submit a strong hardship letter. The hardship letter sets the tone for the entire file.

Will the lender approve a Short Sale even if the homeowner is current on their mortgage?

Yes we have successfully negotiated and received an approval on a short sale even when the homeowner was current on their payments.

Why would a mortgage company agree to accept a short sale?

There are actually several reasons why a mortgage company would approve a short sale payoff, including the following:

· Legal Concerns: Mortgage lenders have come under legal pressure to work with borrowers to equitably resolve situations where borrowers are unable to meet their mortgage obligation, particularly when the borrower makes an effort to arrive at a compromise solution.

· Wall Street is Watching Mortgage lenders rely heavily on their ability to package and sell bundles of loans on the secondary mortgage market. They need to sell these bundles of loans in order to put the funds back to work by loaning the money again and collect loan fees along the way. If mortgages perform poorly after they are sold it could impact the lender's ability to sell their loans on the secondary market. A successful short sale gets the loan payoff resolved quickly.

· Asset Management Expenses- If a lender acquires a property through foreclosure, the property will be managed until it is repaired and resold. It is expensive to manage real property assets - homes - spread throughout the region, the state and possibly even the nation. Keeping properties maintained, keeping utilities on, making repairs and the administrative costs attached to these activities are all costs the lender would prefer to avoid. A successful short sale eliminates most of these costs.
• Reserve Requirement- Delinquent and non-performing loans place another burden on mortgage lenders. For all delinquent and non-performing loans lenders must set aside funds in reserve to deal with potential losses. These funds cannot be put to work generating new loan fees until the bad loans are resolved. A successful short sale lets the lender put their money back to work.

Can I still short sale my home even if I have 2 loans?

Yes, it doesn't matter how much you owe. The lender will evaluate what the current market value is and then decide how much they will accept.

Can I still do a short sale even if the property is in very bad condition?

Yes. Lenders are more motivated to do a short sale on a property that needs work than on a property that doesn't. Lenders know losses start to skyrocket when they foreclose on a property that needs a lot of repair work. Lenders are in the business of lending money not property management and home repairs.

If I am behind in my payments and can't afford closing costs what can I do?

Lenders are understanding when it comes to this situation and will actually pay the REALTORS® commission and your closing costs.

Your Life Changing Number

264-2121

$7500 TAX CREDIT KansasTaxCredit.com

Lowell Roush (CENTURY 21 Advantage) — Thu, 11 Sep 2008 14:53:27 -0700

KansasTaxCredit.com

On July 30, 2008, H.R. 3221 was signed into law. As part of the housing bill, Congress has created a new, temporary tax credit to provide an incentive to first-time homebuyers who buy their principal residence between April 9, 2008 and July 1, 2009.

What is a tax credit? It is a dollar-for-dollar reduction is what a taxpayer owes on income taxes. Within certain income guidelines, a "first time homebuyer" can take as a credit against his/her taxes 10% of the qualified home purchase price, up to $7,500. For most first-time homebuyers, this means the tax credit will actually equal $7,500.

What if my tax liability is less than $7,500? The new tax credit is a "refundable" credit. This means that the refundable amount is the difference between the credit amount and the tax liability. So, if you owed $3,000 in taxes, and were entitled to a tax credit of $7,500, you would receive a tax refund of $4,500.00.

Who is a first-time homebuyer? A person (and that person's spouse) who has not owned a principal residence during the three-year period before the present purchase.

Is this a grant, or a loan? It operates like an interest-free loan. It is to be repaid to the government, without interest, over the 15 years following the year the homeowner takes the tax credit, or until sale of the house, whichever comes first.

What if I have to move and my house doesn't sell for enough to pay back the tax credit? Well, if there was sufficient profit from the sale of the home, then the remaining amount would be due. If not, then the remaining payback would be forgiven. There is little "downside" to the use of this tax credit.

What is the income limitation? The full amount of the credit is available for individuals with adjusted gross incomes of no more than $75,000 ($150,000 for a joint return). Between that and $95,000 ($170,000 for a joint return), a reduced amount is available. Above those figures, the credit is not available.

If financing is obtained by means of a mortgage revenue bond (i.e., through a tax-exempt bond-related financing program offered by a state or local housing agency), then the purchaser is not eligible for the tax credit.

Remember, before you use the first-time homebuyer tax credit, be sure to consult your tax professional.

Rainbow Travels is now with WorldVentures

Lowell Roush (CENTURY 21 Advantage) — Thu, 05 Jul 2007 15:47:55 -0700

Did you Know?

·Travel is a $7 Trillion Industry

·Baby Boomers are driving the market

·Boomers are retiring 1 every 8 seconds (10,000 per day)

·73% of All US Households are online

(82% of US Travelers)

·43% of ALL Online spending is Travel

Welcome to WorldVentures, the future of travel.

When was the last time you took a vacation? If you had to think about it, it's been too long. If you need a vacation, you need WorldVentures.

WorldVentures is an online travel company and host agency for home-based travel agents. An emerging leader in the leisure travel industry, WorldVentures is a privately held company based in Dallas, TX with active representatives and members in all fifty states.

Want to book travel?

Utilize the world's most powerful travel search engine, PowerSearch to search dozens of travel search engines simultaneously with a click of the mouse! Visit one of our independent agent's websites to search & book travel.

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Overvalued housing markets Wichita, Kansas to Atlantic City, NJ

Lowell Roush (CENTURY 21 Advantage) — Thu, 05 Jul 2007 15:32:07 -0700

Most overvalued housing markets Latest analysis of 299 markets: See how your hometown ranks. By Les Christie, CNNMoney.com staff writer January 3, 2006: 2:33 AM EST
NEW YORK (CNNMoney.com) - Sixty-five of the nation's 299 biggest real estate markets are severely overpriced and subject to possible price corrections.

That's according to the latest (third quarter) Housing Market Analysis conducted by National City Corp, a financial holding company, in conjunction with Global Insight, a financial information provider.

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More Real Estate

•	Is the party over?

•	When booms go bust

•	Is it time to cash out?

•	Take this home and shove it

The report named Naples, Florida as the most overvalued of all housing markets in the United States. A single-family, median-priced home there sells for $329,970, 84 percent more than what it should cost -- $180,956 -- according to the analysis.

National City arrives at its estimates of what the typical house in these markets should cost by examining the town's population densities, local interest rates, and income levels. It also factors in historical premiums and discounts for each area.

Other markets deemed wildly overpriced included Merced, California (by 77 percent), Salinas, California (75 percent), and Port St. Lucie, Florida (72 percent).

Undervalued markets were College Station (-23 percent), El Paso (-18 percent), and Killeen (-16 percent), all in Texas. That state dominated the discounted markets list with nine of the 10 most undervalued housing markets. Montgomery, Alabama was No. 8 among the undervalued markets.

The data did produce some evidence of prices moderating, according to National City's chief economist, Richard DeKaser.

In Massachusetts, for example, one of the hottest of housing markets over the past few years, each of the seven housing markets analyzed was still overvalued. Prices, however, had fallen in all seven. That would indicate the state is trending back toward normal valuations.

The same could not be said of Florida. The Sunshine State had 15 different markets on the list of extremely overpriced metro areas and all 15 had grown more overpriced during the quarter.

Amidst all these hot and cold markets there were a few judged, like Goldilock's porridge, "just right." They included Albuquerque New Mexico, Dayton Ohio, and Omaha Nebraska. In all those towns actually selling prices closely tracked the expected values.

Metro area	% over/ under- valued
Naples, FL	+84%
Merced, CA	+77%
Salinas, CA	+75%
Port St. Lucie, FL	+72%
Stockton, CA	+72%
Madera, CA	+70%
Santa Barbara, CA	+70%
Modesto, CA	+67%
Napa, CA	+65%
Riverside, CA	+65%
Medford, OR	+64%
Sacramento, CA	+61%
Atlantic City, NJ	+59%
Chico, CA	+59%
Fresno, CA	+58%
West Palm Beach, FL	+57%
Redding, CA	+56%
Santa Rosa, CA	+56%
Bend, OR	+56%
Sarasota, FL	+56%
Miami, FL	+55%
Oxnard, CA	+55%
Vero Beach, FL	+54%
Los Angeles, CA	+54%
Fort Lauderdale, FL	+53%
Vallejo, CA	+53%
San Luis Obispo, CA	+53%
Cape Coral, FL	+52%
Bakersfield, CA	+51%
Palm Bay, FL	+49%
Barnstable Town, MA	+48%
Oakland, CA	+47%
Ocean City, NJ	+47%
Prescott, AZ	+46%
Panama City, FL	+46%
San Diego, CA	+46%
Visalia, CA	+45%
San Jose, CA	+44%
Deltona, FL	+44%
Santa Cruz, CA	+44%
Santa Ana, CA	+44%
Bellingham, WA	+43%
Fort Walton Beach, FL	+43%
Nassau-Suffolk, NY	+43%
Poughkeepsie, NY	+39%
Reno, NV	+38%
Las Vegas, NV	+38%
Kingston, NY	+38%
Washington, DC-VA-MD-WV	+37%
Bethesda, MD	+36%
Providence, RI-MA	+35%
San Francisco, CA	+35%
St. George, UT	+35%
Ocala, FL	+35%
Phoenix, AZ	+35%
Portland, OR-WA	+35%
Eugene, OR	+34%
Tampa, FL	+34%
Pensacola, FL	+33%
Orlando, FL	+33%
Grand Junction, CO	+31%
Honolulu, HI	+31%
Edison, NJ	+31%
Duluth, MN-WI	+31%
Jacksonville, FL	+31%
Virginia Beach, VA-NC	+29%
Worcester, MA	+29%
Portland, ME	+29%
Flagstaff, AZ	+29%
Essex County, MA	+28%
Baltimore, MD	+28%
Charlottesville, VA	+28%
Charleston, SC	+28%
Tucson, AZ	+27%
Newark, NJ-PA	+27%
New York, NY-NJ	+27%
Monroe, MI	+26%
Bay City, MI	+26%
Flint, MI	+26%
Olympia, WA	+26%
Wilmington, NC	+25%
Tacoma, WA	+25%
Salem, OR	+25%
Minneapolis, MN-WI	+24%
Asheville, NC	+24%
Seattle, WA	+24%
Mount Vernon, WA	+24%
Jackson, MI	+24%
Longview, WA	+24%
Lakeland, FL	+23%
Brunswick, GA	+23%
Gainesville, FL	+23%
Manchester, NH	+23%
Bremerton, WA	+22%
Tallahassee, FL	+22%
Holland, MI	+22%
Niles, MI	+21%
Savannah, GA	+21%
Santa Fe, NM	+21%
Chicago, IL	+21%

Metro area	% over/ under- valued
Eau Claire, WI	+20%
Vineland, NJ	+20%
Trenton, NJ	+20%
Rockingham, NH	+20%
Anchorage, AK	+20%
Casper, WY	+20%
Racine, WI	+20%
Battle Creek, MI	+20%
Springfield, MA	+19%
Detroit, MI	+19%
Greeley, CO	+19%
Burlington, VT	+18%
Wilmington, DE-MD-NJ	+18%
Camden, NJ	+18%
Boston, MA	+18%
Lansing, MI	+18%
Boulder, CO	+18%
Michigan City, IN	+17%
Ann Arbor, MI	+17%
York, PA	+17%
Milwaukee, WI	+16%
Madison, WI	+16%
Philadelphia, PA	+15%
Spokane, WA	+15%
Warren, MI	+15%
Norwich, CT	+15%
Richmond, VA	+15%
Corvallis, OR	+14%
Grand Rapids, MI	+14%
Muskegon, MI	+14%
Lake-Kenosha, IL-WI	+14%
Albany, NY	+13%
Allentown, PA-NJ	+13%
Saginaw, MI	+13%
Harrisonburg, VA	+13%
La Crosse, WI-MN	+13%
Boise City, ID	+13%
Pittsfield, MA	+13%
Wenatchee, WA	+13%
Rockford, IL	+13%
Farmington, NM	+13%
Cambridge, MA	+12%
New Orleans, LA	+12%
Janesville, WI	+11%
New Haven, CT	+11%
Gainesville, GA	+11%
Kalamazoo, MI	+11%
Roanoke, VA	+11%
Fayetteville, AR-MO	+11%
Canton, OH	+11%
Lancaster, PA	+10%
Colorado Springs, CO	+10%
Denver, CO	+10%
Peoria, IL	+10%
Reading, PA	+10%
Fort Collins, CO	+10%
Waterloo, IA	+9%
Gary, IN	+9%
St. Louis, MO-IL	+9%
Champaign, IL	+9%
Yakima, WA	+9%
Dalton, GA	+9%
Sheboygan, WI	+9%
Toledo, OH	+9%
Green Bay, WI	+8%
Springfield, OH	+8%
Youngstown, OH-PA	+8%
Lynchburg, VA	+8%
Davenport, IA-IL	+7%
St. Joseph, MO-KS	+7%
Mansfield, OH	+7%
Hickory, NC	+6%
Fond du Lac, WI	+6%
Cleveland, OH	+6%
Bridgeport, CT	+6%
Billings, MT	+5%
Chattanooga, TN-GA	+5%
Idaho Falls, ID	+5%
Cheyenne, WY	+5%
Pueblo, CO	+5%
Dubuque, IA	+4%
Topeka, KS	+4%
Hartford, CT	+4%
Kansas City, MO-KS	+4%
Akron, OH	+4%
Wausau, WI	+4%
Salt Lake City, UT	+4%
Scranton, PA	+4%
Lexington, KY	+4%
Bismarck, ND	+4%
Athens, GA	+3%
Fargo, ND-MN	+3%
Sandusky, OH	+3%
Knoxville, TN	+3%
Bloomington, IN	+3%
Anderson, IN	+3%
Lafayette, LA	+3%
Louisville, KY-IN	+3%
Durham, NC	+2%
Atlanta, GA	+2%

Metro area	% over/ under- valued
Erie, PA	+2%
Columbia, MO	+2%
Columbus, OH	+2%
Harrisburg, PA	+2%
Kennewick, WA	+2%
Provo, UT	+2%
Lima, OH	+1%
Utica, NY	+1%
Bowling Green, KY	+1%
Hattiesburg, MS	+1%
Decatur, IL	+1%
Columbia, SC	+1%
Cincinnati, OH-KY-IN	+1%
Rochester, MN	0%
Greenville, SC	0%
Oshkosh, WI	0%
Lawrence, KS	0%
Las Cruces, NM	0%
Omaha, NE-IA	0%
Appleton, WI	0%
Albuquerque, NM	0%
Burlington, NC	0%
Ogden, UT	0%
Baton Rouge, LA	0%
Dayton, OH	0%
Amarillo, TX	0%
Alexandria, LA	0%
Kokomo, IN	-1%
Nashville, TN	-1%
Winston-Salem, NC	-1%
Spartanburg, SC	-1%
Florence, SC	-1%
Birmingham, AL	-1%
Sherman, TX	-1%
Jackson, MS	-1%
Houma, LA	-1%
Pittsburgh, PA	-1%
Binghamton, NY	-1%
Monroe, LA	-2%
Columbus, GA-AL	-2%
Sioux Falls, SD	-2%
Des Moines, IA	-2%
Columbus, IN	-2%
Lincoln, NE	-2%
Mobile, AL	-2%
Greensboro, NC	-2%
Albany, GA	-2%
Augusta, GA-SC	-2%
Raleigh, NC	-3%
Owensboro, KY	-3%
Evansville, IN-KY	-3%
Bloomington, IL	-3%
Shreveport, LA	-3%
Cedar Rapids, IA	-3%
Greenville, NC	-4%
Syracuse, NY	-4%
South Bend, IN-MI	-4%
Indianapolis, IN	-5%
Springfield, IL	-5%
Rocky Mount, NC	-5%
Oklahoma City, OK	-5%
Jefferson City, MO	-5%
Buffalo, NY	-5%
Fort Wayne, IN	-5%
Charlotte, NC-SC	-6%
Warner Robins, GA	-6%
Iowa City, IA	-6%
Decatur, AL	-6%
Wichita, KS	-6%
Little Rock, AR	-6%
Macon, GA	-6%
Springfield, MO	-6%
Elkhart, IN	-6%
Waco, TX	-7%
Charleston, WV	-7%
Midland, TX	-7%
Austin, TX	-7%
Lubbock, TX	-7%
Tyler, TX	-7%
Corpus Christi, TX	-8%
Fort Smith, AR-OK	-8%
Tulsa, OK	-9%
Memphis, TN-MS-AR	-9%
Rochester, NY	-9%
San Angelo, TX	-10%
Lafayette, IN	-10%
Abilene, TX	-11%
San Antonio, TX	-11%
Huntsville, AL	-11%
Longview, TX	-11%
Odessa, TX	-12%
Montgomery, AL	-12%
Houston, TX	-14%
Fort Worth, TX	-15%
Beaumont, TX	-15%
Dallas, TX	-16%
Killeen, TX	-16%
El Paso, TX	-18%
College Station, TX	-23%

In an earlier version of this table, due to an error at the source, the data for Charleston, West Virginia was transposed with that of Charleston, South Carolina.

POD CAST, The new wave in Real Estate

Lowell Roush (CENTURY 21 Advantage) — Wed, 27 Jun 2007 14:57:12 -0700

The C21 Talk podcasts feature a series of shows designed to answer all your real estate questions in an entertaining, convenient format that you can bring with you anywhere on your favorite MP3 player. These informative shows are available anytime and you can automatically subscribe to listen to additional episodes to learn about the entire real estate process!

The podcasts are organized into the following categories:


	Introduction/Industry Trends Introduction of guests/Industry trends Steps/Process of Buying Steps/Process of Selling How to Choose a Real Estate Brand/Lifestyle issues Careers in Real Estate


	Introduction Assessing Your Finances Finding Your Dream Home and Evaluating the Investment Closing the Deal


	Introduction/The Process Mortgage Options Evaluating a Loan Applying and Qualifying


	Specialized Situations Specialized Properties Insurance - Past and Current Risks Insurance - Future Risks


	The Selling Process - Getting Started Preparing Your Home Finding a Buyer Closing the Deal


	Planning Your Move Using a Professional Mover Preparations The Move and the Aftermath


	Real Estate Investment Options What's a "Good" Real Estate Investment? Your Own Home as an Investment Investment Properties


	Comparing Mortgage Options Getting the Best Deal Refinancing Your Credit


	Full Show

HOW TO SUBSCRIBE

Step One:
Open your favorite podcatching software, or download podcatching software such as Apple iTunes, Odeo, or Juice.

Step Two:
Select a category that you would like to subscribe to.
Select a category... Buying Your First Home Buying II: Advanced Topics Investment Options Mortgages Mortgages II: Advanced Topics Moving and Relocation Selling Your First Home Selling II: Advanced Topics Real Estate 101

Step Three:
Copy the entire web address below and add it to the list of feeds in your podcatching software.

Step Four:
Enjoy the shows! New podcasts will be automatically delivered to your computer when they become available.

HELP
Having difficulties? Click here for podcasting frequently asked questions.

ROOM TO GROW!

Lowell Roush (CENTURY 21 Advantage) — Wed, 27 Jun 2007 14:41:50 -0700

Room to Grow

One of the joys of homeownership is making the structure and the surrounding property your own. A lush green lawn and beautiful blooms are a wonderful reward for hours of work in the yard.
But before you invest a lot of time and money into your landscaping, make sure your do your research first. Here are four things to keep in mind when making changes.

1. Conditions. Take time to notice factors like sunlight, rainfall and soil. This information will be critical when it comes to choosing grass, plants and trees. The United States is divided into nine zones that help determine what plants will thrive in certain climates and conditions. Knowing what zone you live in can be very helpful.

2. Set goals and timelines. A sure-fire way to get overwhelmed is to tackle too large or too many projects at a time. Instead, choose one task and set a schedule for completion.

3. Know yourself. Think about how much time and energy you want to spend on your home's exterior. It will help you determine if you want a low or high maintenance yard.

4. Rely on the experts. Visit local garden centers and use the knowledge of these professionals to help you make the most of your property.

Remember, the exterior of your home says a lot about you and your family. Tending to the outside not only helps the home maintain its value, it can be a great form of exercise and a way for your family to spend time together.

Real Estate Coupons

Lowell Roush (CENTURY 21 Advantage) — Wed, 27 Jun 2007 14:36:40 -0700

Question of the Week

Many Brokers and Managers ask about the same topic or program in a given week when speaking with the Broker Services Managers. In order to assist you, the Broker Services Team has established the, "Question of the Week"! This week's most frequently asked question is Where do I find the consumer (Business Benefits) coupons?

Question: Where online do I find the consumer coupons?

Answer: The coupons are located on Century21.com. Go to Century21.com and from the Tool Bar, choose LEARN. A submenu will appear. Click on
LEARN ABOUT CENTURY 21. Under the subject heading of REAL ESTATE SERVICES & RESOURCES click on the link for Save Money with Special Offers from Our Partner Companies.

Its that simple! Please share with your customers these wonderful discounts your CENTURY 21 brand name offers and make them your customer for life.