Mountain View Country Club in La Quinta is a great community and there are some good values there - call us if you want to preview any of the available homes!
Below is the current market report for the homes in the golf course community of Mountain View Country Club:
Current Available Listings: 47
Least Expensive Home on the Market: $299,900 - 2 bdrm/2 bth, 2,013 sq. ft.
Most Expensive Home on theMarket: $1,800,000 -4 bdrm/4.5 bth, 4,149 sq. ft.
Current Homes in Escrow/Under Contract: 10
Most Recent Sales (past 180 days): 23
Least Expensive Sold: $425,000 - 3 bdrm/3.5 bth, 2,535 sq. ft.
Most Expensive Sold: $1,450,000 - 4 bdrm/4.5 bth, 4,449 sq. ft.
Whether you are interested in selling your home or buying a home in Mountain View Country Club, contact us anytime to assist you in meeting your real estate needs!
To view La Quinta developments, custom estates & golf course communities visit our comprehensive website at www.LQ-Homes.com. Contact us at 1-760-567-9100, we are here to help you find the desert home of your dreams or sell your home for top dollar!
To view all many of the desert developments, including the private golf clubs visit our website at www.Resort-Home.com. Contact us at 1-760-567-9100, we are here to help you find the desert home of your dreams!
With the U.S. Census process beginning, the Better Business Bureau (BBB) advises people to be cautious. The major concern is that individuals don't become a victim of fraud or identity theft.
The first phase of the 2010 U.S. Census is under way as workers have begun verifying the addresses of households across the country. Eventually, more than 140,000 U.S. Census workers will count every person in the United States and will gather information about every person living at each address including name, age, gender, race, and other relevant data.
The big question is - how do you tell the difference between a U.S. Census worker and a con artist? BBB offers the following advice:
** If a U.S. Census worker knocks on your door, they will have a badge, a handheld device, a Census Bureau canvas bag, and a confidentiality notice. Ask to see their identification and their badge before answering their questions. However, you should never invite anyone you don't know into your home.
** Census workers are currently only knocking on doors to verify address information. Do not give your Social Security number, cre dit card or banking information to anyone, even if they claim they need it for the U.S. Census. While the Census Bureau might ask for basic financial information, such as a salary range, the Census Bureau will not ask for Social Security, bank account, or credit card numbers nor will employees solicit donations.
Eventually, Census workers may contact you by telephone, mail, or in person at home. However, the Census Bureau will not contact you by Email, so be on the lookout for Email scams impersonating the Census.
Never click on a link or open any attachments in an Email that are supposedly from the U.S. Census Bureau.
For more advice on avoiding identity theft and fraud, visit http://www.bbb.org/.
Larry Bettag - Regional Vice President, Midwest Region
Illinois FHA Specialist
630-417-7172
An Illinois Residential Mortgage Licensee
To view all many of the desert developments, including the private golf clubs visit our website at www.Resort-Home.com. Contact us at 1-760-567-9100, we are here to help you find the desert home of your dreams!
The City of La Quinta's Community Service Department is hosting a "Co-Ed Kickball League" beginning with registration on November 23rd from 8 am to 4:30 pm at 78495 Calle Tampico.
Do you still have what it takes to kick the ball? This is a 4 male & 4 female players league and the first 8 teams to register will play. The games will begin January 17th - May 2nd on Sundays between 4 pm and 6 pm at the La Quinta Sports Complex.
Lace up your sneakers and bring your friends and neighbors and kick the ball around!
To view La Quinta developments, custom estates & golf course communities visit our comprehensive website at www.LQ-Homes.com. Contact us at 1-760-567-9100, we are here to help you find the desert home of your dreams or sell your home for top dollar!
To view all many of the desert developments, including the private golf clubs visit our website at www.Resort-Home.com. Contact us at 1-760-567-9100, we are here to help you find the desert home of your dreams!
1. Realize you can't buy happiness: Wealth is like health. Its utter absence breeds misery, but having it doesn't guarantee happiness.
2. Manage your time: Happy people feel in control of their lives, often aided by mastering their use of time. Set goals and break them into manageable tasks.
3. Act happy: Going through the motions can trigger the emotions.
4. Flow: Happy people are often in a zone called "flow". They're absorbed in a challenging, but not overwhelming task.
5. Exercise: Sound minds reside in sound bodies.
6. Sleep: Happy people allow their bodies to rest.
7.Foster close relationships: Friends who care about you can help you weather difficult times. Don't take them for granted.
8. Be helpful: Doing good makes you feel good.
9. Be grateful: Pause to think about what you have rather than what you don't.
10. Nurture your spirit: Faith can provide a sense of purpose and hope. Studies find that actively religious people are happier and cope better with crises than non-religious people.
Source: David Myers, The Pursuit of Happiness
To view all many of the desert developments, including the private golf clubs visit our website at www.Resort-Home.com. Contact us at 1-760-567-9100, we are here to help you find the desert home of your dreams!
Mortgage APR was designed to allow consumers to use one standardized number to compare each lender's rate for the same type of loan while rate shopping. It is supposed to represent the borrower's cost 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. Mortgage 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 earn more than the 8.0% interest rate I charge on $10,000. In this case, my yield (APR) is 9.799% on the $9,500 you received.
APR is the lender's yield on dollars actually lent ($10,000 minus $500 = $9,500); in this case, the lender's yield (APR) on $9,500 is 9.799% (APR is computed as if the above example is a 30 year loan)
The $9,500 also represents the Amount Financed in the Truth In Lending (TIL) disclosure.
For those of you who use spreadsheets the Rate Function will find APR. Use the Amount Financed for Loan Amount and use the monthly payment on the actual loan amount.
Fees that must be subtracted from a mortgage loan to properly calculate Amount Financed for APR
Origination and Discount Points
Processing and Lender Fees
Pre-Paid Interest (Use 15 days when closing date is unknown)
Monthly Mortgage Insurance must be added to the payment of all FHA loans and Conventional loans greater than 80% loan to value.
The inclusion of Mi or MIP accounts for the large spread between Rate and APR on loans with mortgage insurance.
NOTES: FeesNot used in APR calculation; third party fees such as appraisal and credit. APR can only be compared on loans of the same type and amortization period
How Do APR Predators Work?
Many sophisticated borrowers shop interest rates by searching for lowest APR which, if property stated, is a valid way to compare similar loans. Unfortunately, APR is not always stated properly.
Prepaid Interest is understated - must be 15 days when closing date is unknown.
MI or MIP is not included in the APR on any online rate sites, Bankrate etc.
Some lenders do not include MI or MIP on their web sites such as Amerisave.com
Lender fees are either understated or not included in the APR calculation. This is a tricky one because No or Low Lender Fees does not necessarily indicate a predatory lender. Some lenders charge a higher rate and no points or fees for their so called "Zero Cost" loan. However, the "Zero Cost" rate will always be higher than a rate with points and/or fees.
Notes to the above:
there is no such thing as a Zero Cost loan and some states prohibit lenders from advertising Zero Cost Loans.
The spread between Rate and APR on loans greater than 90% LTV should be at least 0.700%. When it is not... you are being scammed
Rate - Points - Fees are all interdependent
The best way I can explain this is show various Rate - Point - Fee combinations where the lender is making the same gross profit on each combination.
In the examples below, we will use a $200,000 loan amount and Lender gross profit of $1,000, on a day when the Lender's cost for a 5.000% rate is par (0 point).
Best Rate: $1,000 Lender profit in various combinations of points and fees
Rate
Fees
Points
APR
Profit
5.000%
$1,000
0
5.044%
$1,000
5.000%
$500
0.250
5.044%
$1,000
5.000%
$0
0.500
5.044%
$1,000
Lowest Fees: You pay $0 points and fees and Lender's investor pays the lender $1,000 for the higher rate.
Rate
Fees
Points
APR
Profit
5.125%
$0
0
5.125%
$1,000
The point here is that lenders design their loans to provide talking points for their sales staff (loan officers). They all require a certain profit margin and it is not important the way the loan is structured as long as the closed loan delivers their required profit margin.
This illustration also points out the value of correctly stated APR as a way of comparing mortgage loans. For the sake of these illustrations, prepaid interest was not used. If 15 days PP was calculated it would have increased each APR by 0.019%.
To view all many of the desert developments, including the private golf clubs visit our website at www.Resort-Home.com. Contact us at 1-760-567-9100, we are here to help you find the desert home of your dreams!
Thinking of visiting La Quinta? Live too far away to drive here? The Palm Springs International Airport is serviced by ten airlines with approximately 100 daily flights. Every year our local airport welcomes visitors from over 500 cities around the world!
There are ten major airline hubs that provide non-stop service to Palm Springs including:
To view La Quinta developments, custom estates & golf course communities visit our comprehensive website at www.LQ-Homes.com. Contact us at 1-760-567-9100, we are here to help you find the desert home of your dreams or sell your home for top dollar!
To view all many of the desert developments, including the private golf clubs visit our website at www.Resort-Home.com. Contact us at 1-760-567-9100, we are here to help you find the desert home of your dreams!
Interested in the signs that line our roads in Palm Desert and surrounding desert communitites? The post below provides you pictures and information about where to find these works of art!
Palm Desert is always in the vanguard artistically and architecturally here in the Coachella Valley. It was the first to commission signs—themed using giant slabs of flagstone—announcing various entry points of the city. The other cities quickly followed suite and the Valley is now replete with distinctive artwork demarcating each town's boundaries.
The city's homage to art is quickly apparent, with eye-catching sculpture adorning El Paseo and the major boulevards. Last week I highlighted some of the revolving artwork now gracing the sidewalks and meridians of the desert's Rodeo Drive.
The city recently unveiled its new Chamber of Commerce and Visitor Center, wonderfully ensconced on a huge lot at the corner of Hwy 111 and Monterey, across from the Westfield Shopping Center. The former empty lot has been artfully transformed into a destination showpiece encompassing the two city buildings and two high-end restaurants—Cuistot's and La Spiga.
Earthen berms covered in desert flora literally and figuratively shelter the city buildings from adjacent traffic, creating a veritable oasis of beauty and solitude within its protective embrace.
The Chamber of Commerce itself is itelf integrated into the earth, with blue agave and yellow-hued brittlebush and barrel cacti cascading down the "walls" of the edifice.
Strolling along the undulating paths punctuated by pots and palms, it's almost impossible to believe that Hwy 111 roars past a stone's throw away. Mosaic-infused walkways highlight the quiet spectacle of water and plants.
The xeriscape includes Memorial Gardens in honor of Eric Johnson, a local landscape architect renowned for his pioneering work in drought-tolerant landscapes who left his imprint on many of the city's most distinctive landmarks.
I was remiss in not visiting the gardens upon their debut last year but now make a concerted effort to occassionally stop and savor this unique gem. If you're here in the Palm Springs area, make a point of dropping by the friendly and informative Visitor Center and perhaps get some landscaping ideas from the surrounding grounds.
If you enjoyed reading this story, subscribe to my blog via email or news feed. That way you'll be alerted whenever I post a new article on the desert market or compelling home bargains.
To view all many of the desert developments, including the private golf clubs visit our website at www.Resort-Home.com. Contact us at 1-760-567-9100, we are here to help you find the desert home of your dreams!
La Quinta residents... the next time you see bees in your yard, remember that they bring us some delicious honey! Read this post from an associate in Wisconsin,...
We have a couple days of warm weather, and then we have some that are cold. The nights in Wisconsin are colder, and like anything else in life, cycles take place. I began to think about when I was a Wisconsin bee keeper not too long ago, how much I enjoyed it, and how it was very similar to Waukesha County Real Estate at times. If they have not done it by now a lot of Wisconsin Bee farmers will go out to theircolonies , or have went out to their colonies, and after they clean the colonies, put a large sugar cake in the colony, and put a mite strip in there to protect to the colony, they will wrap the protection around the colony so the bees can get ready for Spring. The Queen will be checked to see how she is doing, the drones and workers as well. The hives with be checked for any pests or animals that may have tried to get at them, and in short, the colony will be secured until April when the colony will be opened for the bees to start their active plans. One can never understand the feeling that comes with bee keeping. Nature really took some time out and perfected the ritual. The sad thing is bees are vanishing at an alarming rate and when they are gone, there is a good chance the earth as we know it will be totally different.
Bees will go out up to seven miles and more to find flowers and flora to pollinate. In return there is nectar. I could get into the bad rap Honey bees get being put into the same categories as other bees, wasps, and hornets get classified into.That would be a whole post and it would be sad that by the time I got done you would realize how really important Honey bees play a part of life daily on earth. Further, man is doing his best to destroy them as well, and may not even know it. Awfully sad. A little trivia; the only food known to man that will never spoil, even in respect to age, is honey. Between cell phone signals, pesticides, magnetic polarities, and more factors, bees are diminishing in large numbers. Can you imagine a day when nothing, or very little is pollinated? I was a Wisconsin farmer and I can tell you that will be a sad day.
allows a person to see the organized skills paying off in their business, making sure the New Years goals are written, and ones game plan is exercised each day with consistency. Running my real estate business is really not that different from when I was a Bee keeper. The important thing that I always want to remain focused on is having an agenda. Soon I will be a part time farmer, and a bee keep again, and it will all be an adjustment; an adjustment that I will always welcome like the new business day that greets me everyday no matter where I am enjoying it. In the Waukesha County Real Estate market it's all productivity.
Wishing you a productive day, and see you at closing!
Looking at finding a Waukesha County real estate agent? Like to buy or sell some Investment orCommercial property in Waukesha County? Like to know what your Waukesha Real Estate or Waukesha County Real Estate , or what your homes for sale in Waukesha County are worth on-line? Get it on-line: Market Analysis Want to find that right home? Dream Home Finder
To view all many of the desert developments, including the private golf clubs visit our website at www.Resort-Home.com. Contact us at 1-760-567-9100, we are here to help you find the desert home of your dreams!
This post is a reminder of ways we can say THANK YOU to our troops for all they do in serving our country! Let's support them in every way possible and below are some ideas to start with....
Donate blood for troops in combat. There are blood banks and blood drives all over the country on an given day. Your blood may stay within your community, or it could be the life-saving nectar for someone protecting your freedom. You can check out www.militaryblood.dod.mil for more info.
Offer up your unused frequent flyer miles at www.homemiles.org. This could not only get a soldier home for a little much needed R & R, but it could save us (taxpayers) a little dough, too.
Volunteer to foster a military personnel's pet through www.netpets.org/militarypet/foster.php. So many of their beloved pet end up in shelters because they are leaving the country and can't take them along. How awesome would it be for them if someone could take care of their pet while they're away, and then when they return, their pet is waiting for them! I'm certain that's one of the best welcome-home gifts -- especially if their animals are their family!
Donate sports equipment, games and more to the troops through www.give2thetroops.org. They do have some down-time, and while it isn't much, I'm sure it would be really nice to get a taste of home by being able to get a flag-football or basketball game going.
And don't forget to say THANK YOU to all past and active military this Veteran's Day (and after)!
*****************************************
We proudly serve and sell real estate in and around all of Charleston, SC. If you are thinking about purchasing or selling your home in Charleston, Johns Island, James Island, Folly Beach, Kiawah Island, Seabrook Island, West Ashley, Mount Pleasant, Isle of Palms, Sullivans Island, North Charleston, Hanahan, Summerville, Goose Creek or other surrounding areas, and more importantly, want to work with a local area expert, contact us at your earliest convenience.
To view all many of the desert developments, including the private golf clubs visit our website at www.Resort-Home.com. Contact us at 1-760-567-9100, we are here to help you find the desert home of your dreams!
Originally posted in my How Many Buyers and Sellers have Benefited from the $8000 Tax Credit post, which was written in line with the 2009 First-time Homebuyer $8000 tax credit deadline of November 30, the following tips may help first-time homebuyers, repeat buyers (i.e., move up buyers or empty nesters) andsellers close escrow before July 1, 2010 and reap the benefits of the Extension and Expansion of the Homebuyer Tax Credit.
FOR BUYERS who want to benefit from the $8,000 federal tax credit, taking advantage of low prices and attractive interest rates, the following tips may help you close escrow before July 1, 2010:
You need to contact a REALTOR® today;
You need to have a solid pre-approval from a reputable bank;
You need proof of funds for cash deals;
Don't waste time with low ball offers, have your REALTOR® run the sold comparable properties, make an educated offer and definitely in a multiple offer situation...put your best offer on the table because you may not get a second chance;
Don't waste your time looking for houses out of your price range - you can only buy and a bank will only lend you money what you can afford to buy;
Get in and out of attorney review (not sure about other states but here in NJ, listings in attorney review are still active listings and offers can still be submitted thus bumping your offer right off the table) and/or request the seller agree to back-up offers only;
Even with the extension, most short sales, if not all short sales, will never close in time (by July 1, 2010);
You lose control on purchases where the sellers need to find suitable housing before they can sell (your purchase would then be contingent upon the seller first finding another house); and
You need to be under contract by the end of April 2010 and close no later than June 30, 2009.
FOR SELLERS who really want to sell their home, take advantage of today's affordability, and the expansion of the $6,500 tax credit, the following tips may help you close escrow before July 1, 2010:
Price your home at market value from the start (Do NOT overprice);
Work with a REALTOR® in your area who has an aggressive marketing plan;
Make your home irresistible (do everything you can to make the home so attractive, charming, cozy, inviting, comfortable and exciting so that a buyer would want that lifestyle too);
Be flexible with showings, lockbox and for sale sign (a home cannot sell if a buyer cannot get in to see it and even more importantly, it cannot be sold if nobody knows its for sale);
If you don't want to sell your house, don'tput it on the market not only does it waste the time of buyers and their agents but it brings the property stats down as well);
If selling and buying, do not make an offer on the house you want to buy until your house is under contract, and if at all possible, after the home inspection and mortgage contingencies are satisfied on your sale (most sellers will not sign a contract with a home sale contigency...would you?); and
If selling and buying andif you qualify for the $6,500 tax credit, you need to be under contract no later than the end of April 2010 and close no later than June 30, 2009.
Even with the extension there is no reason for New Jersey buyers and sellers to still be waiting on the fence. It takes time to buy and sell your New Jersey home. Don't wait until the last minute...wouldn't you like to be in your new house before we spring forward?
****With deep roots in the Essex County, I service buyers and sellers throughout many Essex County communities and neighboring Morris, Passaic and Union Counties, specializing in the entire West Essex Communities (including Fairfield, Caldwell, West Caldwell, North Caldwell, Roseland, Essex Fells, Verona and Cedar Grove) and my hometown areas of Belleville, Bloomfield and Nutley.****
When Opportunity Knocks...Make Sure Gina Chirico is There to Answer Your Door!
To view all many of the desert developments, including the private golf clubs visit our website at www.Resort-Home.com. Contact us at 1-760-567-9100, we are here to help you find the desert home of your dreams!
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.
Club:
Most Recent Sales (past 180 days): 23
registration on November 23rd from 8 am to 4:30 pm at 78495 Calle Tampico. 
Bill Ladewig
The city's homage to art is quickly apparent, with eye-catching sculpture adorning El Paseo and the major boulevards. Last week I highlighted some of the revolving artwork now gracing the sidewalks and meridians of the desert's Rodeo Drive.
The Chamber of Commerce itself is itelf integrated into the earth, with blue agave and yellow-hued brittlebush and barrel cacti cascading down the "walls" of the edifice. 
Strolling along the undulating paths punctuated by pots and palms, it's almost impossible to believe that Hwy 111 roars past a stone's throw away. Mosaic-infused walkways highlight the quiet spectacle of water and plants.
The xeriscape includes Memorial Gardens in honor of Eric Johnson, a local landscape architect renowned for his pioneering work in drought-tolerant landscapes who left his imprint on many of the city's most distinctive landmarks.
colonies , or have went out to their colonies, and after they clean the colonies, put a large sugar cake in the colony, and put a mite strip in there to protect to the colony, they will wrap the protection around the colony so the bees can get ready for Spring. The Queen will be checked to see how she is doing, the drones and workers as well. The hives with be checked for any pests or animals that may have tried to get at them, and in short, the colony will be secured until April when the colony will be opened for the bees to start their active plans. One can never understand the feeling that comes with bee keeping. Nature really took some time out and perfected the ritual. The sad thing is bees are vanishing at an alarming rate and when they are gone, there is a good chance the earth as we know it will be totally different.
I could get into the bad rap Honey bees get being put into the same categories as other bees, wasps, and hornets get classified into.That would be a whole post and it
would be sad that by the time I got done you would realize how really important Honey bees play a part of life daily on earth. Further, man is doing his best to destroy them as well, and may not even know it. Awfully sad. A little trivia; the only food known to man that will never spoil, even in respect to age, is honey. Between cell phone signals, pesticides, magnetic polarities, and more factors, bees are diminishing in large numbers. Can you imagine a day when nothing, or very little is pollinated? I was a Wisconsin farmer and I can tell you that will be a sad day.
allows a person to see the organized skills paying off in their business, making sure the New Years goals are written, and ones game plan is
exercised each day with consistency. Running my real estate business is really not that different from when I was a Bee keeper. The important thing that I always want to remain focused on is having an agenda. Soon I will be a part time farmer, and a bee keep again, and it will all be an adjustment; an adjustment that I will always welcome like the new business day that greets me everyday no matter where I am enjoying it. In the Waukesha County Real Estate market it's all productivity.
Originally posted in my 
Even with the extension there is no reason for New Jersey buyers and sellers to still be waiting on the fence. It takes time to buy and sell your New Jersey home. Don't wait until the last minute...wouldn't you like to be in your new house before we spring forward?
;)
;)
