Entérate y enseña: Una guía para la educación y asistencia de los consumidores - 10/31/08 10:36 AM
Debido a que tú trabajas con la comunidad hispana, puedes desempeñar un papel muy importante en difundir la guía ¡Entérate! Cómo ser un consumidor informado entre los consumidores. Para ayudar a los líderes de la comunidad hispana y a las organizaciones que trabajan con los hispanos a desarrollar programas para hablar sobre los temas de consumidores cubiertos por ¡Entérate! Cómo ser un consumidor informado, la Comisión Federal de Comercio (Federal Trade Commission, FTC) también elaboró Entérate y enseña: Una guía para la educación y asistencia de los consumidores.
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7.5 million homeowners 'underwater'- The Media Story. - 10/31/08 08:19 AM
I don't know if you as a real estate professional feel the way I do, but this kind of articles makes me sick. What you see here is the media putting out their opinion with knowledge of the industry. If a person purchased a home with the intention that he or she will always have the opportunity to tap into their home equity as they please, they shouldn't be homeowner.
We as society have forgotten what owning a home is all about it. Our grandparent legacy is gone. We think homes are a short time investment that we can use to … (1 comments)

Give a good advice to that client of your that had just become a new homeowner. - 10/30/08 02:58 PM
By Bill Arce (RealEstateLatino.com)
The tip I just going to share with you in just a few seconds (feel free to reprint) can be use in a few different ways, as an after closing advice to a new homeowner, as a way to follow up with an old client and ask for referral or simple a give away tip for FSBOs.
The Insurance Information Institute (I.I.I) has provided for more than 40 years insurance information and resources to consumer. Today, the I.I.I. is recognized by the media, governments, regulatory organizations, universities, and the public as a primary source of information, analysis, … (1 comments)

Fannie: First-time buyers need counseling - 10/29/08 07:04 PM
 Fannie: First-time buyers need counseling
Real estate brief By Inman News, Wednesday, October 29, 2008.
Fannie Mae is reinstating required homeownership counseling for first-time buyers who don't have a solid credit history or are seeking loans tailored for low- and moderate-income buyers. Beginning Jan. 1, Fannie Mae will require counseling for home buyers relying on nontraditional credit or obtaining a MyCommunityMortgage loan to purchase a single-family home. Fannie Mae already requires pre-purchase counseling, including landlord education for borrowers purchasing a two- to four-unit property using a MyCommunityMortgage loan.
Counseling must be provided prior to closing by an independent and certified third-party … (0 comments)

This Year Dark Halloween! - 10/29/08 11:55 AM
With so many families losing their home arround us, I am sure this year it will be sad to see our kids Trick-or-treating.

Bill Arce
www.realestatelatino.com
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Short Refinance-Any one? - 10/29/08 11:43 AM
Amigos,
Yesterday a good friend of mine from California called me regarding the "new deal" he is working on, Short Refinances.
He said that after closing a few of these loans he has learned the process and make it easy for him by using the FHA Secure, de new loan program designed to help homeowner upside down on their mortgage, in financial distress or with an adjustable rate.
If you have worked with this program before please share with us your experience and/or your opinion.
Bill Arce
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County has 15th fastest-growing Hispanic population in country - 10/25/08 10:00 AM
  County has 15th fastest-growing Hispanic population in country Originally published October 24, 2008 By Ashley Andyshak News-Post Staff
Frederick County has the 15th fastest-growing Hispanic population in the country, according to a study released Thursday. The county's Hispanic population has nearly tripled since 2000 and now stands at 12,900, according to a study by the Washington-based Pew Hispanic Center. Frederick is the only Maryland county among the top 25 fastest-growing locations. Frederick County, Va., topped the list with a Hispanic population that nearly quadrupled from 2000 to 2007. Six other northern and central Virginia counties, along with Berkeley and Jefferson … (0 comments)

Nuevo Programa Podría Ayudar A Dueños De Casa Que Son Clientes De Countrywide A Mantener Sus Viviendas - 10/16/08 02:03 PM
Bank of America hizo el anuncio desde sus oficinas centrales en Calabasas, CA, la creación de su nuevo programa que esta diseñado para modificar sistemáticamente las hipotecas de dueños de casas que estén en problemas o al borde de una ejecución hipotecaria.
Se espera que el programa asista con una reducción de intereses y del principal con el valor de unos $8.4 billones de dólares, ayudando así a más de 400,000 clientes de Countrywide Financial Corp., (compañía esta que fue adquirida recientemente por Bank of America) en varios estados, incluyendo Florida.
El programa fue el resultado una demanda judicial ganada por … (0 comments)

Blogging Becomes Mainstream - 10/16/08 12:37 PM

OCTOBER 16, 2008

"Blogs are now mainstream media," said Richard Jalichandra, CEO of Technorati, in an interview with eMarketer. "We've certainly seen that with the number of professional, semiprofessional and passion/enthusiast bloggers who are creating real media experiences. At the same time, you're also seeing mainstream media come the other direction to add blog content."
comScore Media Metrix found that blogs had 77 million unique visitors in the US in August 2008, compared with 75.1 million unique visitors to MySpace and 41 million to Facebook. In July 2008, comScore's ranking of the top 10 entertainment Websites included four blogs. … (0 comments)

Cuidado Con Las Compañias Que Prometen Arreglar Tu Credito - 10/16/08 07:21 AM
Hoy salio en las noticias que el fiscal estatal de la Florida estará investigando alrededor de 10 compañías por abuso y malversación a la hora de ayudar a sus clientes y prometiendo que le limpiarían el crédito. El fiscal también advirtió a toda la población que hicieran muchas preguntas y no se limitaran a contactar su oficina para denunciar un mal trato. 
Mi Concejo: Existen organizaciones sin fines de lucro (comunitarias) que te pueden ayudar por prácticamente nada de cobro y si calificas hasta gratis. Estos servicios los puedes encontrar visitando www. real estate latino.com o escribiendo me en este foro … (0 comments)

Comprehensive Housing Market Analysis (CHMA) report for the Corpus Christi, Texas Area - 10/15/08 07:23 AM
HUD USER has posted a Comprehensive Housing Market Analysis (CHMA) report for the Corpus Christi, Texas area. This recent CHMA contains valuable information for builders, mortgage lenders, borrowers, local planners, and others who need to keep up with the area's housing conditions and trends. Prepared by field economists in HUD's Office of Policy Development and Research, the report provides data that are useful in anticipating changes in the demand for new housing. Our analysis describes the economic, demographic, and housing inventory characteristics of the Corpus Christi housing market area from 1990 to 2000, from 2000 through May 2008, and makes projections … (1 comments)

Consumers Await on Social Networks - 10/14/08 11:11 AM
Consumers Await on Social Networks OCTOBER 10, 2008
Befriended and poked by companies Nearly six out of 10 Americans who use social media interact with companies on social media Websites, according to a September 2008 study by conducted by Opinion Research Corporation for Cone.
The researchers found 85% of social media users thought companies should interact with their consumers through social media, at least when needed.
“Americans are eager to deepen their brand relationships through social media,” said Mike Hollywood, director of new media at Cone, in a statement. “It isn’t an intrusion into their lives, but rather a … (0 comments)

Part II October The National Cyber Security Awareness Month - 10/13/08 01:17 PM
October is National Cyber Security Awareness Month
"The goal of National Cyber Security Awareness Month is to educate everyday Internet users on how to "Protect Yourself Before You Connect Yourself", by taking simple and effective steps."
In observance of National Cyber Security Awareness Month, the RealEstateLatino.net will share information with you each week in October to enhance your ability to protect your office network and your personal information when utilizing the Internet.
The second installment in this useful series is E-Commerce and Web Browsing
TIP: DO NOT perform any financial transactions online unless the site is secure   
E-Commerce
Shopping on … (0 comments)

RealEstateLatino.com (REL) Launches The First Online Just Listed Services For Spanish Speaking Consumers - 10/08/08 06:29 PM

REL, the nation’s leading Latino real estate network, introduced today CasasRecienListadas.com , its latest addition of free services dedicated to empower the US Latino consumer.
CasasRecienListadas.com feature a user-friendly web interface in Spanish that makes it easy for Latino home buyers receiving daily properties listings updates via emails. Registered homebuyers are able to request a personalized list of available property for sale in any real estate market on the US. Once the clients’ information has been received one of our team coordinators will connect the homebuyers with one of our local certified real estate agents.
A research issued … (2 comments)

Mi Casa es Mi Casa Foreclosure Avoidance & Legal Clinic ---FREE - 10/07/08 06:44 AM
Contact:                                         For Consumer Assistance:
Aracely  Panameño, CRL            Legal Svcs of No. VA, Manassas
Cell: 202-413-6510                        Office: 703-368-5711
Washington, DC, October 6 - in Prince William County, VA, the foreclosure debacle continues to unravel unabated.  More than 8,000 families have lost their homes.  One out of every 93 families is in foreclosure.  That is why, once again, local leaders, non-profit organizations, and people of faith will hold a one-day event to help homeowners in crisis.  Mi Casa es Mi Casa Foreclosure Avoidance & Legal Clinic will be held at a local church in Woodbridge. 
This is a … (0 comments)

Residents may be illegal, but they're responsible borrowers - 10/06/08 07:57 PM
Home loans held by illegal immigrants in California and across the nation generally have had fewer delinquencies than similar loans held by U.S. citizens, in part because of stricter lending requirements, according to banks, insurers and Realtors, reports The Times' Anna Gorman.
"Every indication is that their performance is better than the average" mortgage account, said Tim Sandos, president of the National Assn. of Hispanic Real Estate Professionals.
More than 12,000 home loans were issued in recent years through a special program that relies on government-issued taxpayer identification numbers instead of Social Security numbers, according to the association. The identification numbers, … (0 comments)

October is National Cyber Security Awareness Month-Free Tips To Help You Improve Your Online Security - 10/06/08 11:20 AM
"The goal of National Cyber Security Awareness Month is to educate everyday Internet users on how to "Protect Yourself Before You Connect Yourself", by taking simple and effective steps."
In observance of National Cyber Security Awareness Month, RealEstateLatino.com will be sharing information with you each week for the next four weeks to enhance your ability to protect your personal information when utilizing the Internet.
The first installment in this useful series is Passwords
TIP: Do not disclose your password.
WHAT IS A STRONG PASSWORD?
A strong password is one that's hard to crack. A strong password should be no fewer … (1 comments)

Hay Ayuda Para Hispanos Enfrentando Foreclosure En Jacksonville, FL - 10/03/08 01:42 PM

Hola Noticias
Jacksonville. Florida es el segundo estado del país con mayor número de remates de vivienda (foreclosure) y Jacksonville es una de las ciudades más afectadas en todo el estado.Según la compañía RealtyTrac, durante el mes de junio, una de cada 366 casas estaban en foreclosure en Jacksonville; durante ese mes entraron en proceso de remate unas 1.036 viviendas.Esta problemática ha obligado a los gobiernos locales a implementar programas de ayuda dirigidos a familias que están a punto de perder sus casas.
En la ciudad de Jacksonville, la Alcaldía aprobó recientemente la Iniciativa de Intervención en Foreclosure y Educación … (1 comments)

Founding Member Of The Middle Tennessee NAHREP Chapter To Speak At Local Barack Obama House Party - 10/02/08 05:57 PM

Fabian Bedne, Middle Tennessee Hispanic Democratic Party Chairman, will be the guest speaker at a House Party for Barack Obama on Tuesday, October 7, 2008 at the Montgomery County Democratic Party Headquarters, 534 Madison St., Clarksville, TN, starting at 6:00 p.m.Fabian Bedne has been featured various times in news print, television and recently spoke to Latino Democrats from around the country as an Obama delegate to the Democratic National Convention.His community and professional roles include: board member of Habitat for Humanity, founding member of the Middle Tennessee Chapter of the National Association of Hispanic Real Estate Professionals, President of the … (2 comments)

HISPANICS ONLINE: MYTHS AND FACTS - 10/01/08 07:32 PM

MYTH #1:  Hispanics aren't online.
FACTS:                                
•-       Over 20 million of US Hispanics are online today (nearly 50% of US Hispanic population).
•-       There are more than 100 million Spanish-speaking Internet users online worldwide.
•-       Major advertisers will spend $132 million in online advertising targeting Hispanics in 2007 (up 32% from last year).
MYTH #2: Hispanics are a niche market.
FACTS:
•-       Hispanics represent a large, underserved population for online marketers.
•-       The Hispanic population in the US is projected to grow 188% during 2000-2050.
•-       The buying power of US Hispanics will reach $1 trillion in 2008.
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Update on Financial Crisis Legislation-From Congressman Lincoln Diaz-Balart - 10/01/08 07:24 AM

 
Dear Friend,
I will be voting "no" today on the Wall Street Bailout bill.  American taxpayers should not have to foot the bill for the irresponsible behavior of Wall Street executives.  The average citizen is forced to play by the rules, yet many who did not now get a massive bailout from taxpayers in this plan.  This is fundamentally unfair. By bailing out reckless behavior we encourage future reckless behavior. 
Although the legislation is an improvement over the initial Paulson proposal, I could not support a massive bailout for Wall Street firms that does too little to help homeowners stay … (3 comments)