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Each month AR runs numerous contests as a way for our members to engage in activities
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You Can't Fix LTV - 02/21/08 10:01 AM
There's a comedian on TV who's gig is "YOU CAN'T FIX STUPID". Is it Ron White? I think so. I've never seen him. Not for any other reason than I don't get a chance to watch much TV. This has nothing about stupid. It's about LTV. Loan to Value. It's a ratio of what the property you live in is worth by what you owe expressed as a percentage. Zero % would mean you own your home outright. 100% would mean you have no equity. LTV has nothing to do with your intelligence. A low LTV doesn't … (5 comments)
California Notice of Default Law - 02/20/08 02:29 PM
I was just asked this question and had to look it up.I figured it was worthy of a post.In California, if the property is in Notice of Default (NOD), and the purchaser does not occupy the property (Investor), the transaction becomes what is called an Equity Purchase.That's important because there are specific rules that need to be applied and adhered to. Here's the actual question:"I plan on buying a home that is in foreclosure and flip it, But I just heard the seller (homeowner) has a 2 year right of rescission. What does that mean? Do I have to hold the … (6 comments)
Why Conforming Limits Didn't Change - yet - 02/15/08 11:20 AM
I reported that HR 5140 (the Economic Stimulus Package) had been signed into law as of Feb 13th. 2008. It might be a while before we see changes to Jumbo loans. I mentioned HUD, Median House Prices, MSA's, High Cost Areas, Rates, Pricing, Fannie and Freddie. I should also have thrown in the OFHEO. They all play an important part in slowing down the enactment of this new law. Here is your cliff notes version of the players and what role they play. Let's take them one at a time. HUD - This is the federal department that oversees … (6 comments)
Andy Kaufman is my Valentine! - 02/14/08 07:49 PM
Ok, not really. But it was valentines day and Andy wanted to try out an interesting idea. So he called me and we had an unrehearsed conversation about the Economic Stimulus Package. By the look on his face, I'd say he was shocked! : )
Here's his post: http://myeastbayagent.com/2008/02/14/call-an-expert-feb-14th-edition-mike-mueller
… (1 comments)
The Economic Stimulus Act is now a LAW - 02/14/08 10:06 AM
The Economic Stimulus Act is now a LAW On February 13th, 2008 the President signed into law the Economic Stimulus Act of 2008, or as it was also known; HR 5140 While this package contained verbiage about tax rebate checks the important to most people was the portion that detailed the increase to the maximum conforming limit that the two main GSE's, Fannie Mae and Freddie Mac. The old limit was $417,000. The new limit is up to $729,750 "So what's my rate today for my $650,000 conforming loan?" Not so fast. Did you notice the "up to" ? … (5 comments)
Project Lifeline - 02/12/08 10:43 AM
Project Lifeline Will it help? It's an addition of the Hope Now Alliance. If you are 90 or more days late on your mortgage this new "plan" is aimed at you. Typically a lender doesn't even start the process before the loan is 90+ days delinquent. 6 large lenders are said to be on board. They will stall the foreclosure proceedings for 30 days and give you a chance to catch up, refinance, short sell or modify your loan. Not sure about other states but here in California the homeowner has the right to postpone the trustee sale. It's not complicated, … (2 comments)
Has Stockton Run Out? - 02/12/08 10:01 AM
Has Stockton Run Out? Poor Stockton, CA. We saw 60 Minutes, we read all the news, everyone knows or has heard that Stockton IS the Foreclosure Capital of the U.S. Is that because the good people of Stockton all got together and decided to call themselves that? No. Maybe there was a contest, poll or election? Nope. It was the media that planted the moniker on the city. I always assumed it was based on raw numbers. Maybe it was. I can't tell. Yesterday I was working on a project and pulled the entire current list of Notice of … (1 comments)
Why Your Favorite Agent Won't List Your Short Sale - 02/11/08 09:59 AM
Why Your Favorite Agent Won't List Your Short Sale So you've bought and sold ten houses in the last couple of decades. Every buy, every sale they were always there for you. They knew exactly what you liked and what you didn't like. They always returned your phone calls. You were much more than a team. They are and were your ONLY Real Estate Agent. So why now, when you need to list your short sale property did they decline to list your home for you? I can't speak for them personally, but I can give you a couple very … (2 comments)
Stimulus Package Confusion? - 02/08/08 10:59 AM
I had to laugh this morning. If you pulled up Google news this morning and did an easy search for "Stimulus Package" you were served up a great visual.
How great is that? So before you go off the handle let's see what really happened. First of all let's remember we have two bodies of legislature that create law, the House of Representatives (Congressmen) and the Senate (Senators). Here's where the confusion started - Both the Congress and the Senate had their own different versions of the plan that they were working on. What happened that confused so many … (5 comments)
Tornado - 02/07/08 11:32 PM
You saw the news, you heard the sound bites, you may even know someone effected. This isn't some B & W movie scene.
Over 50 people really lost their lives. How many really lost their homes? Quite a few! I don't need to write about all the details. You already know. What you don't know is that the Nations Top Real Estate Bloggers are working together to help. Here's your chance to step up and help spread the word. Jay Thompson is taking the lead as is AgentGenius Bloodhound has the code * and image. Get the word out. … (5 comments)
Our local High School, Ygnacio Valley High is sponsoring an E- Waste recycling event this weekend. This is a fund raiser for the Y.V.H.S. Music Boosters. The event is absolutely FREE! There's No Limit to the amount you can bring. They'll be open Saturday and Sunday from 9:00 AM to 3:00 PM. DID YOU KNOW? If you took your average sized monitor to the local dump they will charge you anywhere from $35 to 50 dollars per piece just to dispose of … (2 comments)
The Patriots WIN the Super Bowl! - 02/04/08 02:29 PM
You know that's not true. The NY Giants won. The final score was Giants 17 Patriots 14 Congratulations should go out to both teams.
The point that I'm trying to make is that, just like my inaccurate title above Just because you heard it - doesn't mean it's true! maybe you've heard some of these statements... You have to be behind before they'll modify your loan.A Short Sale takes forever to get approved.I'm going to Short Sale and also payoff my credit cards.Agents won't show your home if it's a Short Sale.The Government is forcing all the … (15 comments)
"Hey Mike!I have a question. How will the recent and continuing series of rate cuts affect mortgage lending? I heard a rumor today that even with the cuts, mortgage rates could go up and it could be even harder for people to qualify. Thanks! ~ Greg " That's a very good question Greg, and one that so many people just don't understand. Even the Loan Officers sometimes don't get it. The Feds and the system that creates mortgage rates (let's say 30 Yr Fixed) are disconnected. The Feds can change very short term rates, called overnight … (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.
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