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PAUL KANGAS: The mortgage meltdown has hit Hispanic and African American householders especially hard. The groups hold a disproportionately high number of sub-prime loans that have failed or are at risk of falling into foreclosure. Today, the National Association of Hispanic Real Estate professionals met in Washington to discuss solutions to protect homeowners. Stephanie Dhue reports. STEPHANIE DHUE, NIGHTLY BUSINESS REPORT CORRESPONDENT: Sub-prime mortgages are the most likely to end in foreclosure. Nearly half of all loans made to Hispanics and African Americans at the peak of the real estate boom were sub-prime. The National Association of Hispanic Real Estate Professionals (2 comments)
Are you a Gator or a Seminole? - 03/25/08 06:56 AM
Don't miss your chance to see the Florida Gators take on the Florida State Seminoles at the Baseball Grounds on Tues, April 1st. Gates open at 4:30 p.m. with the first pitch at 7:05 p.m. Frank Frangie and Mike Dempsey with 1010 XL Radio will be broadcasting their show live. You can get your tickets now at www.jaxevents or at the Veterans Memorial Arena box office. You can also take our survey to vote for your favorite team. The number of votes will be announced on April 2. (1 comments)
Asociaciones Multiculturales de Bienes Raíces Presentan un Plan de Acción de Cinco Puntos - 03/25/08 06:40 AM
PARA DIFUSIÓN INMEDIATA CONTACTO: Indira Bettner (NAHREP) (760) 473-2276 Joanne Williams (NAREB) (215) 519-2831 Praveen Sharma (AREAA) (760) 918-9162 Asociaciones Multiculturales de Bienes Raíces Presentan un Plan de Acción de Cinco Puntos; Urge una Colaboración Sin Precedencia para Evitar Pérdidas de Casas Entre Propietarios de Minoridades Éticas
WASHINGTON, D.C. (Marzo 27, 2008) - Las pérdidas económicas que han impactado desproporcionadamente a miembros de minorías étnicas en la actual crisis inmobiliaria, urgieron a que se reunieran los 70,500 miembros y afiliados de la Asociación Asiática Americana de Bienes Raíces (AREEA, siglas en inglés), la Asociación Nacional de Profesionales Hispanos en Bienes Raíces (NAHREP, siglas (6 comments)
PARA DIFUSIÓN INMEDIATA Contacto: Indira Bettner/Phase Two Communications Oficina: 760-473-2276, Email: email@example.com NAHREP Patrocina Alianza de Minorías Étnicas en la Conferencia Legislativa 2008; AREAA, NAREB se Unen para Tratar Temas sobre el Impacto Económico, Ejecuciones Hipotecarias Profesionales Hispanos, Asiáticos y Afro-Americanos de los bienes raíces tratarán temas como el incumplimiento de los pagos a la hipoteca, reformas en la industria, asuntos regulativos y políticas propuestas para la recuperación.. (WASHINGTON D.C.) Marzo 17, 2008 - La Asociación Nacional de Profesionales Hispanos en Bienes Raíces (NAHREP, siglas en inglés) patrocinará a la Asociación Asiática Americana de Bienes Raíces (AREAA, siglas en inglés) y a la Asociación (0 comments)
QUÉ DEBE TENER PRESENTE CUANDO HAGA UNA REFINANCIACIÓN DE SU HIPOTECA - 03/22/08 07:13 PM
Con las tasas de interés más bajas en los últimos 10 años, el mercado hipotecario está en un buen momento. Los compradores de propiedades inmobiliarias no son los únicos que buscan en las oficinas financieras hipotecas a intereses poco probables de repetir, también aquellos que ya tienen préstamos tratan de obtener un financiamiento más ventajoso para sus propiedades. Usted puede tener varias razones para refinanciar: consolidar deudas usando como capital la plusvalía acumulada en la propiedad, hacer el pago de su hipoteca aún menor o simplemente que el pago de su préstamo se efectúe en un menor plazo. Cuando se solicita (0 comments)
Solicitud de Préstamo Graits - 03/22/08 07:08 PM
Si estas en el mercado buscando un préstamo asequible y que puedas pagar cómodamente no busques más por que estas en el lugar indicado. REL.com ha establecido relaciones con prestamistas destacados en ofrecer un servicio excelente a la comunidad Latina. Desde prestamos con tazas de interés baja y enganches de hasta de una Cero Porciento hasta un trata amable, honesto y en nuestro idioma, es solo el comienzo de una larga relación de servicio.¡Envíanos Este Formulario Para Una Consulta Gratis Y Sin Compromiso (0 comments)
Aprende la diferencia de Sub-Prime vs. Predatory Lending - 03/22/08 07:05 PM
Sub-Prime vs. Predatory Lending Sub-Prime Higher rate since lender is taking a larger risk Payments are setup within the borrower's ability to repay the loan Terms of the loan are fully disclosed Predatory Lending Excessive interest rates and/or higher points and fees Approving a loan without consideration of the borrower's ability to repay Fail to disclose the true terms of the loan Pressure borrower to sign documents without understanding the terms of the loan "Flipping" or frequent refinancing of the loan Version en Español Prestamos Sub-Prime Taza de Interés que ofrecen es más alta, esto debido a que el riesgo tomado (0 comments)
Aprenda cómo vender su casa con estos consejos para vendedores - 03/22/08 07:01 PM
Si es posible vender su propia casa por cuenta propia. Todo profesional le aconsejará que use la experiencia de un agente de bienes raíces, también yo se lo aconsejo. Pero si usted cree ser capaz de vender su propiedad por cuenta propia, aquí le dejo algunos consejos para que aprenda el proceso de ventas. La primera impresión es la que cuenta. Un césped bien mantenido, arbustos podados con esmero y una entrada libre de obstrucciones darán la bienvenida a los compradores potenciales. Del mismo modo lo hará una puerta de entrada recién pintada o al menos recién lavada. Si es otoño, rastrille (0 comments)
The following types of counseling are available Fair Housing Assistance, Home Equity Conversion Mortgage Counseling, Homebuyer Education Program, Loss Mitigation, Mobility & Relocation Counseling, Money/Debt Management, Mortgage Delinquency & Default Resolution Counseling, Post-purchase Counseling, Predatory Lending, Renters Assistance, and Services for the Homeless. ** Spanish speaking assistance available at this location. (0 comments)
Monday, March 24, 2008 - NCD Week Kick Off Press Conference - City Hall Atrium, 117 West Duval Street, 10:00 A.M to 11:00 A.M. A short program will be held at 10:00 A.M. Federal and local officials will acknowledge NCD Week and contributions of the CDBG Program to the City of Jacksonville. The Mayor's Office will present a proclamation designating March 24 - 28, 2008 as National Community Development Week.
Tuesday, March 25, 2008, - Jacksonville Chamber Foundation, Inc. Small Business Service Center, 5000-3 Norwood Avenue, 11:30 P.M. CDBG staff will have a walk through of (0 comments)
HOUSE FIRES--PLEASE READ - 03/16/08 06:23 PM
Received from a friend who is in the insurance property business. It is well worth reading.This is one of those e-mails that if you don't send it, rest assured someone on your list will suffer for not reading it. The original message was written by a lady whose brother and wife learned a hard lesson this past week.Their house burnt down.. nothing left but ashes. They have good insurance so the house will be replaced and most of the contents. That is the good news.However, they were sick when they found out the cause of the fire. The insurance investigator sifted (5 comments)
Join NAHREP members and minority leaders from the Asian Real Estate Association of America and the National Association of Real Estate Brokers in a conversation on policy changes that promote sustainable homeownership for people of color 2008 Legislative ConferenceMarch 25-28, 2008 Hilton Washington1919 Connecticut Avenue NWWashington, DC 20009 Confirmed Guest Speakers:Alphonso Jackson, HUD SecretaryDr. Randall Kroszner, Board of Govenors,Federal Reserve BoardAmy Crews-Cutts, Freddie Mac Chief EconomistSandra Thompson, District Director, Supervision and Consumer Protection, FDICMark Schweitzer, Federal Reserve VP and Economist Just Added:Leaders of the CoalitionWill Attend a White House BriefingWith Treasury Secretary Henry Paulson& FHA Commissioner Brian Montgomery Conference Registration Costs: Registration $85Lunch (1 comments)
New foreclosure rescue plan offers 'Help Now' - 03/13/08 12:11 PM
WASHINGTON, D.C. (CNNMoney.com) -- A bold new proposal to combat foreclosures was unveiled in Washington on Thursday. The plan, dubbed "Help Now," was floated by the National Community Reinvestment Coalition (NCRC), a nonprofit community advocacy group. It calls for the government to buy up at-risk loans, restructure the terms to make them affordable and sell the reworked loans back into the secondary market. "I think the plan is commendable. It doesn't let the home owner off the hook," said economist Mark Zandi of Moody's Economy.com. "They still have to pay at least part of the debt." Help Now aims to improve upon the (0 comments)
Study Targets Hispanics' Diverse Economic Clout - 03/12/08 11:14 AM
Marketers who want to reach U.S. Hispanic consumers must create messaging aimed at a diverse -- not a monolithic -- cultural group, according to research out today from Nielsen PreView. The report "Why Market to Hispanics?" noted that "for most brands, the Hispanic consumer base is a collection of many [consumer] profiles" with purchasing patterns based largely on an individual's acculturation level in terms of adopting American purchasing behavior, per Nielsen. "Bottom line, there is no one type of Hispanic consumer, but many to market to," the Nielsen study said. Deciding whether its more efficient to market en masse to all Hispanics versus creating (0 comments)
Wall Street welcomes reports that the central bank is pumping an additional $200 billion into the banking system. By Alexandra Twin, CNNMoney.com senior writer March 11, 2008: 12:07 PM EDT NEW YORK (CNNMoney.com) -- Stocks rose Tuesday afternoon after the Federal Reserve said it would loan up to $200 billion to banks and lenders as a means of loosening up tight credit markets. Roughly 2-1/2 hours into the session, the Dow Jones industrial average (INDU) had jumped about 150 points. The blue-chip index had ended the previous session at a 17-month low. The broader Standard & Poor's 500 (SPX) index climbed 1.2% after ending (1 comments)
Latina Real Estate Agent Is Killed In a Robbery - 03/08/08 08:33 PM
Norma Lorena Rodriguez's two children, Daniel (top) and Mireya Valenzuela, reacted similarly to a Channel 62 news reporter who questioned them about their mother's murder at a news conference Wednesday in Inglewood. Both took long breaths before speaking, stood rigid, and answered mechanically, in quiet voices. Mireya Valenzuela nearly lost her composure for one brief second. Asked about her childhood with her mother, she teared up, pressed her lips together, squeezed her eyes with her hand, stared into the distance for a moment, and then set her jaw and finished the interview as if nothing had happened.) Inglewood Police on Wednesday (2 comments)
Effective Monday, March 17th, the FHA limits have increased -
Volusia County $303,750.00 Flagler County $287,500.00 St. Johns $387,500.00 Duval (Jacksonville) $387,500.00
Currently FHA does not look at appraisal issues concerning declining, and distressed markets, which affects the amount of down payment your buyers must have on a conventional loan. With FHA, the down payment is still 3%, with gift funds and grants permitted. Also offers ways to overcome credit challenges.
If you have not already done so, please get familiar with FHA, this is will be the best option for many homebuyers in the next few years. This increase will make (1 comments)
Agents Increase Transaction Volume with Revolutionary Technique - 03/08/08 03:22 PM
STUART, FL - According to the National Association of Realtors (NAR), 2007 was the 5th highest year ever for transaction volume. True values have declined, but the facts are the transaction volume is still stronger today than all but four years in this country's history. So then why aren't you listing and selling more homes? Simple - Because over the past several years the number of Realtors has more than doubled, according to recently released NAR statistics. However, these statistics also show that Realtor transaction volume is directly correlated to the number of years a Realtor has been practicing real estate. (see chart ) (0 comments)
Daylight Savings Time It's time to spring forward. - 03/07/08 02:49 PM
It is time to change the clock. Beginning at 2 a.m. on Sunday, March 9, you need add an hour to the time. For some, daylight savings time is when to check and replace the batteries in smoke and carbon monoxide detectors. www.realestatelatino.com (1 comments)
HUD is circulating false information to make downpayment assistance (DPA) look bad. - 03/07/08 07:42 AM
March 6, 2008 Hey! I got this e-mail today and I wanted to share with you all. In an attempt to single out non-profit downpayment assistance, HUD is circulating false information to make downpayment assistance (DPA) look bad. Their false information is not supported by any public data. In fact, an independent review of the program shows that DPA has helped millions of Americans become homeowners in a sound manner. Let Congress know that you support DPA! The Senate and the House of Representatives are working out their differences on a bill, FHA Modernization, that would improve and reform this program. FHA, created during (2 comments)
By Bradley Olson Sun reporter March 5, 2008 The most comprehensive of a series of bills seeking to make Maryland a less hospitable place for illegal immigrants got a cold reception in a legislative committee yesterday, as lawmakers questioned whether it would cost more to implement than it would save.Del. Anthony J. O'Donnell, the minority leader from Southern Maryland, proposed cutting off all state benefits to those who cannot prove they legally reside in the U.S., exempting only the benefits that are required by federal law, such as emergency health care and public education."Those who come here illegally detract from those who come here (1 comments)
March, 2008 Just before Christmas in 2003, the mayor of Jacksonville, Florida announced the birth of the Real$ense Prosperity Campaign, a coalition of companies, agencies, and other organizations, and led by United Way of Northeast Florida. The campaign's focus is to bring a portion of the approximately $10 million in unclaimed Earned Income Tax Credits to Northeast Florida and the people who have earned them and need them. The organization began its work with modest goals, and more than exceeded those goals during its first year. With 100 volunteers, they prepared 2,457 tax returns at 10 tax sites. 819 of those (0 comments)
Invitation to Free Webinar: Communicating to the U.S. Hispanic Market - 03/05/08 07:14 PM
Are your marketing and communications strategies targeting the Hispanic population effectively? The U.S. Hispanic population is growing and by 2010 will represent over one trillion dollars in spending power. Join PR Newswire for a complimentary webinar featuring best practices in multicultural communications. Learn from experts: Gain insight into the U.S. Hispanic market and trends Get the knowledge you need to create a strategic and effective communication plan Learn how to measure your communication effectiveness Panelists: Manny Ruiz, President, Hispanic PR Wire, a service of PR Newswire Christine Clavijo-Kish, Senior Vice President of Multicultural Markets, PR Newswire Bill Gato, Vice President & (0 comments)
For more immigrants, suburbia's a nice fit - 03/05/08 06:08 PM
By Haya El Nasser, USA TODAYKISSIMMEE, Fla. - Twice, Nancy Cadavid left her native Colombia to live in the United States. Twice, she settled in cities that have long attracted large numbers of immigrants - New York first, Miami second.Now that she's here to stay, Cadavid, 44, has chosen to live far from the large cities that have been traditional immigrant gateways. She works two jobs and owns a house here in central Florida, near Orlando and Disney World. Her daughter graduated from Florida State University and works in advertising in Tampa. Her son attends community college and works part time (0 comments)
Nehemiah's Court Victory Over HUD!!!!!!!! - 03/03/08 08:05 PM
Just got of the press. This is a great news for many LO and real estate agents how help low and moderate income buyers reach the american dream. Read the letter sended by Nehemia's CEO Scott Syphax: I am pleased to announce that Nehemiah was victorious in its litigation against HUD! Judge Lawrence K. Karlton of the United States District Court for the Eastern District of California upheld Nehemiah's motion for summary judgment. The Court Clerk's Office is directed to enter judgment and close the case. Full Article. www.realestatelatino.com (8 comments)
It's Spring Cleaning Time! - 03/03/08 06:33 PM
Common areas of focus include: clearing clutter, opening windows, cleaning, dusting, washing windows, and vacuuming drapes/blinds. However, quality home maintenance involves more than simply keeping your home neat and tidy. It's also a good idea to check your Air Conditioning unit. An annual check of your air conditioning system can reveal potential problems and prolong the life of the unit. These problems can hamper the efficiency of your unit and increase your energy bills. You may want to consider an annual service agreement with a licensed heating and air conditioning professional. Visit our website if you would like to know what properties are (3 comments)
DESIGN AN AD THAT PRODUCES RESULTS! - 03/02/08 09:41 AM
DESIGN AN AD THAT PRODUCES RESULTS! Our designers are professional and talented. Using both your ideas and their tools of creation, your ad can best represent your company and all it offers to your customers! SIMPLICITY ■ Short headlines get your point across. ■ Think of your company's strongest points and highlight them in your ad. ■ Do not clutter your ads with too much information or too many houses, it can overwhelm the reader. CULTURE ■ Take into consideration what traditions make the Hispanic culture unique; utilize those in your ad. ■ Promote special and important programs: ITINloans, Free Home Warranty, free list of HUDhomes, etc. ■ (1 comments)
Evalúan en el Capitolio proyecto "real" para evitar más embargos - 03/02/08 09:37 AM
Evalúan en el Capitolio proyecto "real" para evitar más embargos Mitzi MaciasWashington HispanicEn las últimas semanas son varias las iniciativas anunciadas por el gobierno con el propósito de salvar miles de casas que se están perdiendo como consecuencia de la crisis hipotecaria, pero lo que muy pocas personas saben es que estos sólo son proyectos "voluntarios" donde los bancos e instituciones financieras tienen la libertad de adoptarlos o no. Por tal razón son mínimos los resultados positivos y reales de estas iniciativas como explica la activista y representante de la organización sin fines de lucro Préstamos Responsables, Aracely Panameño, quien (0 comments)
Training, Leads and exclusive territories.....For Bilingual Real Estate Pros. - 03/01/08 07:37 AM
Coming soon...very soon http://www.realestatelatino.com/ will be launching a new online platform where bilingual real estate agents will be able to participate. Call me if you would like to secure your territory 904-647-4420. Agents will have in RealEstateLatino.com Own webpageProfessional training by one of the most energetic person I knowExclusive territory (so we can guaranty to give you at least one leadWhy invest your time in RealEstateLatino.com Over 20,000 Latino visitor a month (buyers and sellers)RealEstateLatino.com is the leading Latino real estate community in the countryWe got daily visitors from all over the country asking for advise, homes for sale, applying for a mortgageRealEstateLatino.com offers (1 comments)
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