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first time home buyers: REGARDING: Earnest Money Deposit Questions and Answers...... - 03/04/11 03:39 AM
REGARDING:  Earnest Money Deposit <EMD>  [Questions and Answers]
What is EMD?          EMD is the upfront stated monies that a buyer proposes to pay upon an accepted and fully executed purchase agreement to show good faith that the buyer has earnest and good intentions to fulfill the terms of the purchase agreement.
If I do fulfill the terms of my agreement, do I lose or keep my EMD?     Your EMD will be credited to the purchase of the home/closing costs/loan down payment.  This means that you do not lose it....you keep it.
In what form is the EMD?     The EMD is usually in … (5 comments)

first time home buyers: From Julia St. Marie at Realty ONE--October Real Estate Update--Las Vegas - 10/11/10 08:02 PM
From Julia St. Marie at Realty ONE--October Real Estate Update--Las Vegas
 
… (1 comments)

first time home buyers: Passed Senate-Home Buyer's Tax Credit Extended to September 30, 2010 - 06/19/10 01:42 AM
July 1, 2010
Great News regarding the Home Buyer Tax Credit  
Good News!  Congress has just passed legislation that extends the Federal homebuyer tax credit closing deadline from June 30 to Sept. 30. This bill has been sent to the White House for the President's signature.
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FROM REUTERS:  "The U.S. Senate voted on Wednesday to give homebuyers another three months to settle on their contracts and take advantage of a popular tax credit that sparked a rush of activity in the housing market."  
Read Article details from Reuters:     http://www.reuters.com/article/idUSN1618072020100616  
Senate Passes HomebuyerTax Credit Extension The Senate has passed a … (2 comments)

first time home buyers: INSURANCE MADE SIMPLE - 05/18/09 12:28 AM
INSURANCE MADE SIMPLE
Below please find INSURANCE MADE SIMPLE:  This is an overall general view but not limited the insurances that a new owner may want or need to consider. 
Hazard Insurance:  Also known as homeowner's insurance.  A policy that combines protection against damage to a dwelling and its' contents with protection against claims of negligence or inappropriate action that results in someone's injury or property damage.  Homeowner's insurance provides fire, theft and liability coverage. Homeowners' policies are required by lenders and often cover a surprising number of items, including in some cases such property as wedding rings, furniture and home … (0 comments)

first time home buyers: The importance of a Pre-Approval.... - 03/25/09 06:16 PM
The importance of a Pre-Approval....

If you are looking to buy a home within the next few months, then I highly recommend that you get Pre-Approved.  Many buyers apply for a loan and receive approval from a lender BEFORE searching for a home.
Why is pre-approval important at the beginning of the home-buying process?
Some buyers think that when purchasing a property it should go within this two-step order:
Find the right house Negotiate the transaction while figuring out their financing to make the purchase It makes sense to know your deal, before you make your deal.
FIRST STEP:  Get Pre-Approved … (1 comments)

first time home buyers: Homeowner Affordability and Stability Plan - 02/21/09 03:32 PM
Homeowner Affordability and Stability PlanRevised February 20, 2009President Obama‘s plan to help stabilize the housing market and keep millions of borrowers in their homes...The Homeowner Affordability and Stability Plan includes two initiatives to help struggling homeowners. One is a refinancing program for homeowners with less than 20% equity in their homes, or who owe more than their home is worth. The second program attempts to lower monthly payments for homeownersat risk of losing their home. In addition, the plan includes a third initiative to support low mortgage rates by strengthening confidence in Fannie Mae and Freddie Mac.Many of the plan's details … (3 comments)

 
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Julia St. Marie, ABR, RRG, RSPS

Las Vegas, NV

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Realty ONE Group

Address: 1333 N. Buffalo Drive, Suite 190, Las Vegas, NV, 89128

Office Phone: (702) 898-0101

Cell Phone: (702) 355-4663

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