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Placer County - Making sense of the market - 03/30/09 10:37 AM
Making sense of the Market On the market today: Today, Placer county has 1236 "active" (non-short sale) listings. 17% are Bank Owned (REO) properties 61% came on the market within the past 90 days In addition, there are 830 Short Sale properties on the market 581 were listed in the past 90 days 104 or 13% were under $200,000 40% of the entire inventory are Short Sale properties What's sold in the past 90 days? 739 Sales were completed in the past 90 days (MLS Statistics) 360 were Bank Owned (REO) properties 86% of these sold within 90 days of being (0 comments)
Amount Of Credit: Lesser of 10% of cost of home up to $8,000 (Increased from $7,500) Eligible Property: Any single family residence (including condos, co-ops, townhouses) that will be used as a principal residence. Refundable: Yes. Reduces (or can eliminate) income tax liability for the year of purchase. Any unused amount of tax credit refunded to purchaser. Income Limit:Yes. Full amount of credit available for individuals with adjusted gross income of no more than $75,000 ($150,000 on a joint return). Phases out above those caps ($95,000 and $170,000). First-time (0 comments)
FHA Today Notes - 03/27/09 11:03 AM
I recently attended an FHA seminar and wanted to share my notes with you all. FHA's stated mission is to help people realize the "American Dream" of home ownership, stabilize and revitalize communities, promote economic growth and reduce defaults/preserve neighborhoods. Their goals are to educate consumers to make informed choices, enable individuals to own homes and build equity in their homes and to simplify the home buying process by removing regulatory barriers. FHA focuses on providing home ownership and home retention to the "underserved": First time home buyers Minorities The Elderly Embrace innovative financing such as: Down Payment assistance Silent Second (0 comments)
California Home Sales Figures for February 2009 released - 03/26/09 09:16 AM
The California Association of Realtors released February 2009 home sales data. Key takeaways: Unsold Inventory Index for existing, single-family detached homes in February 2009 was 6.9 months compared with 15.3 months (revised) for the same period a year ago. The index indicates the number of months needed to deplete the supply of homes on the market at the current sales rate. 30 year fixed-mortgage interest rates averaged 5.13 percent during February 2009, compared with 5.92 percent last year. Adjustable-mortgages rates dropped to 4.87% compared with 5.03% for the same time period. It took an average of 51.5 days to sell a (0 comments)
Mortgage Problems? - 03/25/09 11:03 AM
Hello Neighbors,This article just in from CAR (the California Association of Realtors).If you've found yourself drowning in mortgage obligations and debt recently, you're not alone. Declining home values, overall economic malaises, job losses, and other forces are driving homeowners like you to consider options that just a few years ago were unthinkable.While a new state law known as SB 1137 took effect in September 2008, effectively blocking lenders from initiating foreclosure proceedings until 30 days after contracting the borrower or making "due diligence" efforts to do so, many California homeowners are still in need of financial relief. In response, the US (0 comments)
IRS clarifies how to handle tax credits - 03/24/09 11:59 AM
First-Time Homebuyers Have Several Options to Maximize New Tax Credit WASHINGTON - As part of the Treasury Department's consumer outreach effort and with the April 15 individual tax filing deadline approaching, the Internal Revenue Service today began a concerted effort to educate taxpayers about additional options at their disposal to claim the new $8,000 first-time homebuyer credit for 2009 home purchases. For people who recently purchased a home or are considering buying in the next few months, there are several different ways that they can get this tax credit even if they've already filed their tax return. The Treasury Department encourages (0 comments)
USDA Loan program includes Lincoln! - 03/16/09 08:46 AM
With much thanks to one of our newest agents - Marjorie Suzanne', we've just added another "Special Loan Program" link.The URL for this link is:http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do What is this program for?Special home loans for areas that the government qualifies as "rural". What defines rural? Well... take a look at their website and see!You might be surprised. Parts of Placer County, Sacramento County, Yolo & Yuba Counties, and of course Nevada & El Dorado Counties can all qualify.Give it a shot, and let us know what you think!Many thanks, Jeff (0 comments)
Good Solar Energy Links - 03/12/09 01:24 PM
Solar Energy From the "Go Solar California - A Consumer's Guide to the California Solar Initiative Statewide Incentives for Solar Energy Systems" booklet that can be found at http://www.energy.ca.gov/2008publications/CPUC-1000-2008-026/CPUC-1000-2008-026.PDF Why should I go solar? For many reasons: • Solar finance experts suggest that every 1,000 Watts of power from PV panels adds $20,000 to the resale value of your home. • Solar systems are extremely reliable, able to produce clean energy from the sun for up to 25 years. • By using solar to power your home or business, you dramatically reduce your carbon footprint. • Incentives are now at their (0 comments)
What the new tax credits mean to you - 03/11/09 10:15 AM
Tax Credit for HomebuyersFirst-time homebuyers who purchase homes from the start of the year until the end of November 2009 may be eligible for the lower of an $8,000 or 10% of the value of the home tax credit. Remember a tax credit is very different than a tax deduction - a tax credit is equivalent to money in your hand, as opposed to a tax deduction which only reduces your taxable income.The tax credit starts phasing out for couples with incomes above $150,000 and single filers with incomes above $75,000. Buyers will have to repay the credit if they sell (0 comments)
Trash Out Foreclosed Homes - 03/10/09 05:32 PM
I try to keep things on a positive note, but sometimes the news is just that. Many thanks to Patty at HP for sending this video along:http://www.silverbearcafe.com/private/11.08/foreclosure.htmlI haven't been to the "Inland Empire" down South to look at real estate yet, but we experience exactly the same things up here in Northern California.What happens to personal belongings when a home is foreclosed upon?What happens to pools?Watch this video and see. "Trash Outs" are something done on a regular basis - historically though, it's been in apartments and duplexes. Now the same processes are used with 4000+ square foot homes. Very sad. (0 comments)
Foreclosures in the Sacramento area - 03/06/09 08:52 PM
Hello Neighbors,We had a great guest speaker at this morning's SAR (Sacramento Association of Realtors) Real Estate Finance Forum: Ken Stieger, Sacramento County Tax Assessor.Yep, the guy who runs the shop for Sacramento County. His group (about 170 staff) set your property tax values. We talked about the processes, the billing cycles, and the data....For Sacramento County:* In 2006, there were 150 foreclosures TOTAL during that 12 month period.* In 2008, there were 18,000+ foreclosures during that 12 month period!* September of 2008 saw a little over 2,000 homes get foreclosed on.Stunning.He showed graphs and graphs of good trend data.2009 foreclosure (0 comments)
Walk Score - How walkable is your home? - 03/05/09 07:05 PM
Walk Score is a neat way to measure how 'walkable' your (or a prospective) neighborhood is. According to their web site "Walk Score helps people find walkable places to live." It does this by analyzing the area around a specific address and listing all types of businesses, parks, and other activities can be done without using a car or at least by being 'car-lite'. Be healthy and save gas. (0 comments)
Investing 101 - 03/03/09 04:12 PM
Are you interested in putting your hard earned dollars to work investing in a property in the northern California communities in Sacramento, Placer or surrounding areas? If so, read on... The different types of sales you may encounter REO homes are homes that the bank has foreclosed on, and are generally priced pretty competitively, often going for 1-2% over asking price. In Placer County the homes are highly desired and usually go quickly often $5,000 to $10,000 over asking price. The closing process usually is done within 30 days and most often the bank asks for accelerated inspection and loan approval (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.