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Via Eleanor Thorne, Cary Mortgage Loans (Meridian Residential): There are tons of first time homebuyers out there negotiating the best deal on their new home, and now it's time to get a mortgage. Most of them only know how to ask one question: What's the Rate? We've been in the mortgage business for over 20 years - and the only thing most people know to ask is - "What's the Rate?" While that's a great question, it's kinda' like going into a shoe store and asking if they have any shoes in a size 9. Just shopping the rate is (0 comments)
Via Marte Cliff (Marte Cliff Copywriting): This probably isn't news that anyone who sells real estate wants to hear, but getting approved for a mortgage is about to become more difficult. From what I've read here, and what agents have told me in person, you thought it was difficult enough all this year! Fannie Mae has announced regulation updates meant to reduce its risk... beginning with a requirement for a credit score of 620. Other changes include options regarding mortgage insurance. Buyers whose loan-to-value ratio exceeds 80% can choose to accept higher monthly mortgage insurance premiums or pay a one time fee (3 comments)
When Will The Madness End ?? - 09/30/09 09:41 AM
I don't know about you but I am so tired of all the bank bailouts which in essence has bailed out the rich some of them have recieved golden parachutes after thier bank was taken over. Then to top it off the bank that took over the failing bank is provided incentive to let the loans go bad let them foreclose vs. helping out the homeowner. Not to mention the banks that recieved all that TARP money the big banks that are suppose to help foreclosures save the economy, that you hear on commercials about how they are suppose to "help" (0 comments)
Via Bob Hertzog (Summit Home Consultants): Is The FDIC Killing Short Sales? As some of you already know, I blogged recently about being interviewed recently by our local NBC news affiliate. To read the blog, click here. Basically, IndyMac Bank (now OneWest Bank), is holding one of my clients hostage, demanding a $75k promissory note, or they will proceed to foreclosure. For the life of me, I couldn't figure out why they were doing this. The BPO came in at the contract price of $275k, with a net to IndyMac of $241k. What advantage could there possibly be (3 comments)
Via Sandy Shores, Melbourne/Palm Bay FL, Brevard County Real Estate & Investing (M & M Real Estate Inc. www.SandyShoresMelbourne.com): This week a client was referred to me that wants to buy a house. During our initial phone conversation, one of the first things I always ask is whether they have a lender and are pre approved for a loan. He indicated that he did have a lender, that he found online. (Uh-oh). And, that he was preapproved. The Brevard County Real Estate market is considered a distressed market. It is so important for a buyer to have a local (3 comments)
Today's blog is the second part of a two part series and will focus briefly on repairing credit, and increasing your score. The following are some ways you can increase your credit score.
•1. Spread out your credit card debt. This will change the ratio of debt to available credit. For example, if you have a 660 credit score and you have debt on one card with other cards having zero balances, then spread out that debt over the rest of the cards evenly. Doing this will be (1 comments)
My Last post regarding this subject was back on September 15, 2009. Yes, I know that was just short of two weeks ago. But I think the importance of not being caught off guard by your lender is a good reason to touch on this subject quite often. To many times I’ve seen another lender or mortgage broker tell a borrower that they have been “Approved” for a loan when they have only a Pre-Qualification or a Conditional Approval. When a lender gives you a Loan Commitment it is usually labeled “Approved with Conditions”. It (3 comments)
My Last post regarding this subject was back on September 15, 2009. Yes, I know that was just short of two weeks ago. But I think the importance of not being caught off guard by your lender is a good reason to touch on this subject quite often. To many times I’ve seen another lender or mortgage broker tell a borrower that they have been “Approved” for a loan when they have only a Pre-Qualification or a Conditional Approval. When a lender gives you a Loan Commitment it is usually labeled “Approved with Conditions”. It (1 comments)
Via Dave Segrove (JDE LTD): "VENI, VIDI, VICI" Julius Caesar is attributed with saying these immortal words (translation "I came, I saw, I conquered") in 47 BC. The Romans, for a many years, quite literally conquered the world; and they did it one battle at a time. A marketing campaign is like a military campaign: there's a short-term goal and a tactic for achieving it. Notice I said "short term". A war is (alas) medium or long-term and a marketing program likewise. A marketing program (like the a war), is made up from a series of campaigns, each leading to what is (0 comments)
Via Brad Andersohn ~ Community Manager (ActiveRain): Syndicate Your ActiveRain Blogs with RSS What is syndication and why should you "Syndicate Your ActiveRain Blogs?" Driving traffic and exposure to your Blog is the primary reason. RSS - Really Simple Syndication is a great way to connect your ActiveRain Blog to other Blogs and websites. Members on ActiveRain have an RSS feed button located on the sidebar of their Blog. Click on it to see your options and how it can be used to expand your reach to a larger audience via other sites and locations on the web. Adding an RSS feed (2 comments)
Today's blog will be the first of a two part series and will focus briefly on understanding credit, credit repair and other pertinent information that makes easier to understand. Also, what you can do to increase your credit score as well as protect it.
Credit repair is a subject consumers often face with fear and apprehension, and rightfully so. In reality, the average home shopper knows very little about (0 comments)
Via Norma Toering Rolling Hills & Palos Verdes Property (REMAX Palos Verdes Realty Lic# 01147470): Often a fortuitous event will have an inauspicious moment or two involved. It is easy to ignore the overall achievement and focus on the angst, the problems, the wrangling and the hindsight of shoulda, woulda, coulda. The dark moments can overshadow the accomplishment if the spotlight is focused on what went wrong instead of what went right. I often remind myself to concentrate on the lemonade not the lemons. Such is real estate and such is life.
As participants in the buying and selling of real estate it (0 comments)
Via Loreena Yeo - Broker|Realtor(R) of www.Frisco-TX-Homes.com (214) 783-2210 (3:16 team REALTY): In real estate, we call a Buyer's market when there are too many homes for sale than buyers. The news media paint the doom and gloom markets all over the country and speak very much in generalization. The public watches the news and believe what they hear.
However, as we have always said, Real Estate is LOCAL. One state differs from another. One city. One neighborhood. One set of price range too. No doubt that under $300K here in the greater Frisco TX area are selling like HOT (2 comments)
There is no method to this madness - 09/21/09 09:10 AM
Just a little sarcastic humour ;-) on today's market Via Wendy Hooper (Altera Real Estate): It's been painful trying to educate Buyers and Sellers about our current market. Rationale is out the window - literally. More often than not, I need to remind clients to stop listening to the media and to focus solely on their competition. Yes, they do usually look at me as if I've lost my mind. But what can I do? It's my job to do my utmost to help my clients achieve their goals. Sometimes it makes me appear to be a lunatic. But what the heck. They need to stop listening to (1 comments)
Via Jane Penttinen (Sunstreet Mortgage, LLC): Is IT Point Worthy? I've been thinking about that little phrase quite a bit and it dawned on me how many parts of my day revolve around points of one type or another. In my business, I very often get a phone call that starts out with Loan Client - "Hi! I need a mortgage. My credit score is excellent. I have 20% for a down payment and I make a great salary. I want the lowest interest rate available." Me - "Okay. I can get you a rate of 4.25%!" Loan Client - "Wow! I LIKE (0 comments)
Via Mike @Serve-U-Best Mortgage, LLC, Scottsdale, AZ: I want to briefly talk to you about something that I am seeing more and more of when it comes to quoting an interest rate. You may see advertisements in the newspaper, hear a radio ad, or visit a website where they are showing a lower rate then most other lenders. How are they able to undercut everyone else? Simple, it's basically has to do with the length of the rate lock period. I always quote a 30 day lock, as that's about what it takes to get a loan done now what with all (0 comments)
IF YOU PLAN ON LOOKING FOR A LOAN HERE ARE SOME GREAT TIPS EVEN IF YOU ARE NOT IN IDAHO
Via Janna Rankin Scharf - Realtor Coeur d'Alene and North Idaho Homes (Keller Williams Realty Coeur d'Alene): Don't be the victim of a scam! On September 17, the Idaho Department of Finance issued a news release saying that it had ordered two companies, Hillside Financial Group and Outsource Credit Solutions, both allegedly located in Florida, to stop making loans in Idaho. Why? Because they have charged outrageously high loan fees in advance of making a loan, and have never been (0 comments)
Carders, Dumps, and Identity Theft - 09/19/09 01:03 PM
GREAT ARTICLE PLEASE TAKE SOME TIME TO READ THIS Via Robert Siciliano (Identity Theft Speaker): Robert Siciliano Identity Theft Expert Albert Gonzalez and his gang of criminal hackers, were responsible for data breaches in retailers and payment processors with some estimates saying they breached over 230 million records combined. Gonzalez, considered a proficient criminal hacker, provided “Dumps” which is credit card data he stole from the breaches and supported the supply of “Carders”. “Carders” are the people who buy, sell, and trade online the credit card data stolen from phishing sites or from large data breaches at retail stores. Here is a (0 comments)
News Flash!! FHA is squeezed for money! - 09/19/09 12:53 PM
This is Unbelievable Via TED CANTO, Sr. Loan Consultant (Academy Mortgage): I found this to be very newsworthy information since many of AR members have been really focused on FHA and the First-Time Tax Credit. What a bumpy ride it's going to be. Tell me what you think! We are about to see a whole lot of lenders disappearing as a result of this. In fact, as of November 18th, FHA borrowers will no longer be able to finance their closing costs into their loans when they refinance, known as a "STREAMLINE REFINANCE" as one of the results of the current announcement. (0 comments)
Getting a Mortgage Loan To Buy A Home In Santa Maria CA
The following will give potential home buyers a detailed explanation of the process for a home loan. Here in Santa Maria, CA, or at least my office ;-). I have seen the Real Estate market go from one extreme to the other in a matter of a couple of years. It is so important that the buyer have as much information and a clear understanding of what happens in the process. This information is vital to anyone who is interested in getting a home loan, whether you (0 comments)
What is a NoFollow Link? And How Does It Affect Me? - 09/18/09 09:43 AM
GOOD SEO information Via Lisa Udy Realtor Utah Real Estate Specialist (Logan Utah Real Estate Immaculate Homes): I recently read a post by Lina Robertson on linking from comments, and I wanted to divulge into the topic a little more. I have been researching this topic quite a bit lately, and I think I can add to her conversation. What is a NoFollow Link? A nofollow links main purpose is to tell Google not to follow a link. That means Google does not pass PageRank, or the anchor text for those links. Which means, Google does not count nofollow links, does not follow (0 comments)
I have been working with families here in the Santa Maria Valley for over 10 years with their Real Estate needs, in helping them purchase a home or Santa Maria Property. It is a simple conclusion that choosing the right person to represent you in negotiating your home purchase is a major decision. Being a member of the Santa Maria Association of Realtors means that I am committed to meeting the standards of both the association and my clients.
It is important that people work with real estate agents that are experienced and (0 comments)
Via Nestor & Katerina Gasset Realtors® Wellington Florida Luxury Homes (International Properties and Investments, Inc.): Has your short sale or loan modification been turned down and you have no idea why? Let's examine some of the reasons. These reasons may not make you feel any better or maybe they are just excuses by your lender, however there are a few things you may not even know about your loan. Let's say that you make your mortgage payment to Wells Fargo. You can no longer handle your payments so you ask Wells Fargo to modify your loan- to do a loan modification (1 comments)
Via Jeff Belonger -- The FHA Expert.com -- FHA Loans -- FHA mortgages - USDA loans (Infinity Home Mortgage Company, Inc):
Yes, credit guidelines have gotten tougher, but NO, you don’t need a 700 credit score.
Here we go again, with realtors making things sound semi easy. There was a question on Trulia last week, and the buyer said that they heard that you needed credit scores of 700. And what do you do if you have scores from 614 to 620.
Here was part of the answer from a realtor answering the (0 comments)
Via Pat Ogle & The AnnapolisHomes4You.com Team (Champion Realty, Inc): When preparing to buy a home, the first thing many homebuyers do is look at "homes for sale" ads in newspapers, magazines and listings on the internet. Some potential buyers read "how-to" articles like this one. The next thing you should do - before you call on an ad, before you talk to a Realtor, before you shop for interest rates - is look at your savings. Why? Because determining how much money you have available for down payment and closing costs affects almost every aspect of buying a home - including (0 comments)
Via Wendy Cutrufelli, Contra Costa Realtor (Alain Pinel Realtors): Fishing requires just the right pole, the right weights, hooks, bait, bobbers, hook pullers and all sorts of nifty tools attached to your fishing vest (according to my husband). Once properly outfitted, you head off to find the best fishing spot (which requires an understanding fish psychology) and determine which combination of the toolkit items will get the fish to bite. At the end of day 1, my well-outfitted husband returns without a single fish - and pissed. He said, "I could SEE them! They were swimming around the boat and jumping out (0 comments)
Via Suzanne Alberti (DocuSign): With all of the technological advances today, it's a wonder that there are still agents who get in their car and drive to meet their clients for every signature and initial. Now I do not intend to downplay the level of customer service you provide by driving to your clients home, office or local coffee shop for a meet and greet or signing session. Real estate is a relationship business and so meeting and getting to know you client's is essential. HOWEVER, once you make that initial contact and have that meet and greet or listing presentation over (0 comments)
Via Bill Ladewig, Your FHA Guru: APR Predators and APR Demystified First, lets demystify Annual Percentage Rate (APR).
APR was designed to allow consumers to use one standardized number to compare the real cost of each lender's interest rate and it works like this. If I lend you, $10,000 and, I charge a $500 Bump-ta-Bump Fee, you will actually receive $9,500, however you must still repay me $10,000. APR is my real yield and your real cost on this loan. We agreed that you will repay the loan at 8% interest on $10,000, HOWEVER you only received $9,500 therefore I will yield more than the 8.0% interest rate I charge on $10,000. In this case, my (0 comments)
Via Audrey June-Forshey, GRI, Gaithersburg, MD (RE/MAX Realty Group): This is one of the most popular questions I get when meeting with sellers when they are preparing to put their homes on the market. The answer is, it depends. Appraisals cost between $400 to $700 in our area. Most of the time your REALTOR'S® market analysis will provide you with much of the same information as an appraisal. When an agent comes over to talk to you about selling your home, they will most likely, have a market analysis of the current market conditions in your neighborhood and the nearby surrounding areas. They will (3 comments)
Via Lainie Ramsey - Your Lake Texoma Specialist! (Century 21, Dean Gilbert Realtors): Make sure all your lights work - that includes the oven, microwave, range, closets and those on the exterior If you have a switch that is difficult to determine - label it Repair your leaking or dripping faucets Make sure all toilets are secured to the floor Make repars to toilets that run or do not flush properly Repair all loose tiles and grout at shower and tubs Have both the heat and air units serviced- display the invoices All broken windows and windows that have lost their (2 comments)
Please take some time to look this one over if you have been dealing with FHA loans which I think is the norm in today's market
Via Nick Setting (Coldwell Banker Bain): What is the FHA criteria for existing property? I’m encountering more and more home buyers that aren’t sure or simply don’t know. In an effort to equip home buyers with the necessary knowledge to keep them from pulling their hair out and swearing at their Realtor I’ve created a checklist for them to look over while viewing a home of interest. If any Realtor, Mortgage Professional, or other (0 comments)
Via Missy Caulk-Ann Arbor- Realtor(R)- Ann Arbor Real Estate (Keller Williams-Ann Arbor):
Reflecting on the 9-11, a day we will always remember where we were, what we were doing and the shock of what we felt and saw. Today I chose to remember the families who lost their loved ones that day. Today I chose to remember the fire fighters, and emergency crews who went without sleep digging tirelessly through the rubble to save lives. Today I chose to remember the out pour of support from people all across the United States who came to help in the rescue efforts. (0 comments)
Via Celeste "SALLY" Cheeseman HAWAII Relocations & Real Estate (Century 21 Liberty Homes): During the course of our careers we'll have many a situation with a home buyer or seller that will not work out. It all depends on the circumstances or situations. A buyer may just not feel it's the right home for them or a seller may reconsider retiriing and selling their home. I just read a post AVOID BURNOUT! Stop Taking Responsibility For Stuff That's Not Your Responsibility to Take! and it reminded me of the emotion I continuously put into the relationships with clients. The cost is heavy when it does (0 comments)
Via Evelyn Johnston Associate Broker Elkhart Indiana Short Sale Expert (Prudential One Realty): According to Elkhart REALTOR Evelyn Johnston, you need to Get Pre-Approved First!, and here is why...until you sit down with a reputable Mortgage Lender or Mortgage Broker, you really do not know how much of a home you can afford to buy. After the Mortgage Lender/Broker has reviewed, verified and qualified you as a ready, willing and able buyer, you have P O W E R! With your pre-approval in you hand you can safely go shopping for a home! Prior to shopping though, you also need to take (2 comments)
Santa Maria Ca, Trivia - 09/11/09 05:34 PM
Every town has its bit of Trivia some trivia you want to keep a secret, although this one is pretty cool at least for me. In 4th grade Norma Jean Mortensen went to school here she went to cook school the same school I went to when I was a kid. Most people don't have a clue where Santa Maria Ca, is they always correct me in saying oh ya Santa Monica, although I know I didn't stutter. So someone from LA might say big deal but when you are from a small town it is. Being that Santa Maria (0 comments)
Whats Your Credit Like - 09/11/09 11:04 AM
Well I have posted several blogs on your credit and now if you have read them you maybe wondering what is my credit like and do I have to pay for this??? I cannot stress how important it is to know what is on your credit I get clients in my office all the time here in Santa Maria Ca,when trying to buy a home, that have no clue and sometimes get into serious emotional outbursts. I once had a client that had child support on their credit that was not his but his wife was not very receptive to unknown (5 comments)
Inspiration for the WEEKEND - 09/11/09 09:35 AM
10 Inspiring Thoughts for Tough Times By Noah benShea Difficult financial times often inspire people to become more extraordinary. Challenge and adversity can push people toward their own greatness. It can launch you on a deeper personal journey toward happiness, fulfillment, and a life of meaning. As you explore ways to gather strength and improve self-esteem, remember, it is not so much about what you have but who you are. May these tips inspire you. May you go from strength to strength and be a source of strength to others. Broke Is Not Broken Being broke is not the same as (0 comments)
This blog is the second part to a blog that I posted yesterday regarding credit. Today's post will focus on how to correct errors on your Credit Report.
All of the details on your credit report should be accurate, but it is important to make sure. If you decide at some point to purchase a house, then you will eventually meet with a loan officer who should review your credit report with you, to ensure that you qualify for the right amount and that you qualify (0 comments)
Great Article in keeping things in perspective when dealing with short sales and what to expect when working on a short sale
Via Joe Murphy (Coldwell Banker): I have now have closed a lot of short sales in the past three years. My words of wisdom for buyers, and sellers who are considering a short sale. Short sales can be a great deal typically selling for 10-20% below current market value. BUT, they have a tendency to frustrate buyers, and sellers in the process. Patience, involvement and realistic goals are helpful to get a short sale closed. Either everyone wins, (2 comments)
Great Article In Keeping Those Expectations In Line In Buying A Home In Today's Market
Via Gabrielle (Kamahele) Rhind (Tierra Antigua Realty, Tucson AZ Real Estate Agent): This quote by Eli Khamarov seems to be an appropriate reminder for some Buyers because many still want a "diamond in the rough" home for a giveaway price. Lately, it's become important to remind clients looking for a cheap home that they'll may need to lower their expectations and get ready to roll up their sleeves and do some major work. Yesterday, showed several houses to a Buyer here on the east side of Tucson - all of them between $42,000 and (1 comments)
Niche Markets From A to Z - 09/10/09 10:27 AM
Great Niche Marketing Article Via Larry Easto (Real Estate Marketing Link): In challenging economic conditions, it is usually tempting to pursue a different niche market. In many cases, there could be sound business reasons for adding a new niche to your existing market or markets. Whether changing niche markets or adding a new niche, the same considerations of selecting your original niche or niches apply. Should you decide to pursue a new niche, instead of looking at criteria such as location or type of home, why not consider the specific interests of your clients?
Today's blog is the first of a two part blog which I will be posting later this week. This blog will address Credit. What is Credit? What is on a Credit Report? What affects your Credit? The answers to these questions are necessary to understand if you are currently in the Real Estate Market or plan to be in the Real Estate Market in the future.
What is Credit? If you have a credit card or have ever borrowed money, you were given Credit. Credit means that you are using someone else's money to (0 comments)
Just an FYI sometimes you really have to look at the advice you are getting
Via Jeff Belonger -- The FHA Expert.com -- FHA Loans -- FHA mortgages - USDA loans (Infinity Home Mortgage Company, Inc):
How smart do you think you are? Do you think you can outsmart people, just because you read some good advice, yet it failed to share with you the opposite side of things. That has been one of my biggest fears and pet peeves when it comes to blogging. And another? That many blogs are opinions, not facts, yet they sound (0 comments)
Your destiny is not a matter of chance; it is a matter of choice. Many
people have the right aims in life - they just never get around to pulling the trigger. When you determine what you want, you have made the most important decision in your life. You have to know what you want in order to attain it. "Commit your way to the Lord, trust also in Him, and He will do it" (Ps. 37:5, NAS). If we are faithful, God will look after our success. Success is the result of a (0 comments)
How to Create a Blog Post for Customers and Search Engines - 09/08/09 01:42 PM
Now this is some great stuff due take some time to read this!!!! Via Brad Andersohn ~ Community Manager (ActiveRain): How to Create a Blog Post for Customers and Search Engines. There are three important audiences to be writing for: 1. Other members and friends of your Social Networks. 2. Consumers, Subscribers, and a Target Audience of readers. 3. Search Engines. I'm sure this is preaching to the choir, but this is important information to be shared if you want to get maximum exposure and results from your Blog posts with consumers, visitors, and with Google. Google Juice? I'll drink to that! :-) (4 comments)
Via Barb Fischer (RD Brown Real Estate): You still have time to take advantage of the 1st Time Homebuyers Tax Credit, but you’ve got to act quickly and strategically. You must close escrow by November 30, 2009, which means you really should enter into contract by October 15. (The government could extend this deadline, but you can’t count on it.) There’s a lot of bidding competition right now, and issues can come up during escrow, so you’ll want to give yourself as much time as possible. Even if the Tax Credit isn’t your main motivation, you can still cut down on (0 comments)
A woman came out of her house and saw 3 old men with long white beards sitting in her front yard.She did not recognize them.She said "I don't think I know you, but you must be hungry. Please come in and have something to eat.""Is the man of the house home?" they asked."No", she replied. "He's out.""Then we cannot come in", they replied.In the evening when her husband came home, she told him what hadhappened."Go tell them I am home and invite them in!"The woman went out and invited the men in."We do not go into a house together," they (3 comments)
Divorces and Mortgages: What's important to know (Part 2) Today's blog is the second of a two part entry, okay now on to part 2. A Final Divorce Decree is required prior to closing a loan for the following reason(s): 1) The initial divorce papers may clearly spell out the intentions regarding separation of property, child and spousal support, etc., but this document is not binding. 2) Some or all of the initial decisions can be changed before the divorce is finalized. A judge can override some of the stipulations of the divorce. ( Like I said in my earlier (3 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.