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In light of all the doom and gloom over the last twelve months there is good news for the Real Estate market and the lending industry. The good news for homeowners and prospective homeowners alike is that mortgage rates have dropped to their lowest in more than three decades as the government has stepped up efforts to revive the housing market. The average rate on a 30 year fixed rate mortgage tumbled for a ninth straight week. That's the lowest on record, according to data that goes back to (0 comments)
Five win-win suggestions to help your heating bill 1. REPLACE YOUR FURNACE FILTERA clogged filter makes your furnace work harder to deliver the same amount of heat, which wastes energy and will drive up your bill. This should be replaced once a year, generally at the start of the heating season. If you have a heat pump or a furnace with central air conditioning, replace it twice a year. 2. INSTALL A PROGRAMMABLE THERMOSTATProgrammable thermostats work a whole lot better than you. This will add both convenience and energy (0 comments)
If you're planning to buy a house this coming year, here's my annual list of New Year's resolutions you should consider making: 1. Get your credit and finances in shape. Put a lid on your spending. Do not forget that good credit also means job stability. Most lenders require that you work for the same employer for at least a year, and maybe two, before they will approve your home loan. If you are self-employed, they will want to see at least two years of tax returns before you (0 comments)
Now looking back at 2008. This year may go down as one of the worst ever for housing since the Great Depression. In 2008, housing values fell by double digits, inventories of new and existing homes grew dramatically, interest rates remained relatively high, and foreclosures reached record numbers. Sometime around the middle of the year, when Fannie Mae and Freddie Mac were taken over by the government, lenders realized that having a real job with a real income is central to assessing someone's ability to make monthly payments, and (0 comments)
Buyer Information – Short Sale Information – Cleveland Real Estate – www.cjharrington.com - 01/13/09 08:18 PM
Posted By: CJ Harrington firstname.lastname@example.org www.cjharrington.com 440.336.0612 Keller Williams Realty 2009 Short sales could lead to and home sale, and accepted offer that fails, and accepted offer where the home is taken off the market due to foreclosure. Sound like fun yet? This could lead to additional time and money renting, lost funds from home inspections and appraisals, lost opportunities and wasted time. Reality is that with the uncertainty in the marketplace, one of the lessons homebuyers are learning is that you can spend a ton of time chasing a property with nothing to show for it when you're done. (0 comments)
1. Overcome any possible objections. Sellers often do not understand that their primary job is to not only eliminate any potential objections that would stand in the way for a buyer to make an offer, but to exceed their expectations as well. If your home is competitively priced and your home's condition exceeds a buyer's expectations, you will get an offer. 2. Get your home into shape before I let anyone see it. You need to "stage" your home, which means (0 comments)
As you may or may not know the First Time Homebuyer program has been non-existent the last number of months due to market conditions. OHFA is coming "back " with a new program for first time homebuyers. This is the MCC program which gives the borrower a tax credit which is a direct credit toward any income tax owed at tax time.
Please visit our website at www.cjharrington.com for MORE FREE information.-Buy a Home With Little Money Down-FREE Seller Reports-Sell Your Home Fast And For Top Dollar-FREE Buyer Reports-Get (0 comments)
Get the financing you need to change a fixer-upper into a dream home with First Federal of Lakewood. With today's glut of foreclosed homes on the market, the demand has never been higher for home loans that can finance both the purchase and the renovations. NEW LOAN FEATURES: Must be owner-occupied homes of up to 4 units You can rehab funds into the mortgage. Rehab dollars can be used for additions, remodeling, repairs, and city point-of-sale violations. Choose any of our low-interest 1-year, 3-year, 5-year and 7-year adjustable (0 comments)
Cleveland Real Estate Information - $7500 Tax Credit - www.cjharrington.com - 01/06/09 01:53 AM
Posted By: CJ Harrington email@example.com www.cjharrington.com 440.336.0612 Keller Williams Realty 2009 ATTENTION FIRST TIME BUYERS- $7500 Tax Credit Available! The governement is willing to give you 15 year interest free loan until July 1, 2009. So, act now and don't miss this greet opportunity. Fill in the form below and one of our experts will contact you immediately to explain this great opportunity further and get you on your way.
Please visit our website at www.cjharrington.com for FREE information.-Buy a Home With Little Money Down-FREE Seller Reports-Sell Your Home Fast And For Top Dollar-FREE Buyer Reports-Get The Most Home For Your (0 comments)
Please visit our website at www.cjharrington.com for FREE information.-Buy a Home With Little Money Down-FREE Seller Reports-Sell Your Home Fast And For Top Dollar-FREE Buyer Reports-Get The Most Home For Your Money-FREE Home Value - Report & Evaluation-Find Out What The House Down The Street Sold For-And much more... (0 comments)
Cleveland Real Estate Information - Market Snapshot - Get Real Time Online MLS data - www.cjharrington.com - 01/06/09 01:49 AM
Posted By: CJ Harrington firstname.lastname@example.org www.cjharrington.com 440.336.0612 Keller Williams Realty 2009 Market Snapshot - Real Time Online MLS data Market Snapshot sends the up-to-the minute MLS graphical reports to address demanding queries: What is the supply of unsold homes in my neighborhood? How fast are homes selling right now? How do actual selling prices compare to listing prices in my area? How do I get more for the money in a changing market? Please visit our website at www.cjharrington.com for FREE information.-Buy a Home With Little Money Down-FREE Seller Reports-Sell Your Home Fast And For Top Dollar-FREE Buyer Reports-Get The Most Home (0 comments)
Cleveland Real Estate Information - Our Buyers and Sellers Can Receive $10000 Back On Every Transaction!!! - www.cjharrington.com - 01/06/09 01:45 AM
Posted By: CJ Harrington Keller Williams Realty www.cjharrington.com email@example.com 440.336.0612 2009 WARNING: Don't even think about buying or selling a home until you've read about this exciting New FREE Cash Rewards Program... that can put up to a $10,000 cash reward in your hands after closing!But don't delay, this amazing program is limited to 10 registrants each 30-day period...once we reach our limit you could end up waiting months for your spot. At last..a Cash Rewards Program is now available to home sellers and home buyers for the first time in the Cleveland Ohio area. This new real estate cash rewards program is (0 comments)
- Must be first-time homebuyer or have not owned a home in three years. - Must participate in pre-purchase counseling program. - May not exceed maximum income amounts 1 $34,800 2 $39,750 3 $44,750 4 $49,700 - Must provide minimum 1.5% of own money - Monthly payment of principal, interest, taxes and insurance should not exceed 33% of buyer's gross monthly income. - Property must pass Lakewood home inspection.
Posted By: CJ Harrington firstname.lastname@example.org www.cjharrington.com 440.336.0612 Keller Williams Realty 2009 Top Reasons You Shouldn't Wait to Buy: 1. Interest rates have decreaased to the 4-5% 2. Home prices are continuing to decline 3. 0% down may no longer be an option, but FHA offers 3% downpayment requirement 4. Government programs are lending money: the city of Lakewood is now offering upto $14000 down payment assistance, and many other areas have similar offerings 5. The housing inventory is high, and as a result their is more to choose from 6. Foreclosures and Short Sales are still on the rise, mean (0 comments)
Cleveland Real Estate Information - How to Market Successfully - Using Testimonials - www.cjharrington.com - 01/05/09 09:15 AM
Posted By: CJ Harrington Keller Williams Realty www.cjharrington.com email@example.com 440.336.0612 2009 Don't be fooled, testimonials are not about bragging or tooting your own horn. If you share your successes with your client base and associates is an essential part of growing your business and your reputation within the community. A great way to do this is by utilizing testimonials in your marketing efforts. Not only do testimonials get attention, they also create a sense of confidence in the idea of doing business with you. Here are a few simple steps for gathering positive feedback from your clients: When clients thank you for completing (2 comments)
Cleveland Real Estate Information - Mortgage News - Rates and Rate Projections - www.cjharrington.com - 01/05/09 09:00 AM
Posted By; CJ Harrington Keller Williams Realty www.cjharrington.com firstname.lastname@example.org 440.336.0612 2009 As you all should be aware, the Fed cut the target Fed Funds rate from 1.00% to a range between 0.00% and 0.25%. The 75 basis point cut was larger than the consensus forecast for a 50 basis point cut. This marked the first time that the Fed has targeted a range rather than a fixed value. The Fed's has confirmed that economic conditions have worsened recently and suggested that rates will remain at extremely low levels for an extended period of time. Also, the Fed claims they will employ (0 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.