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rob alley: Refi—Or Short Sale? - 02/27/12 02:14 PM
Refi madness is sweeping Charlottesville and the nation. With the recent expansion of the federal government’s Home Affordable Refinance Program (HARP), banks have been deluged with phone calls requesting information. Call volume at Bank of America has been so high that they’ve had to refer requests to a “reservation system”, basically letting applicants know that they’ll get to them when they can. With the new emphasis on refinancing, it may seem that short sales are out of vogue, but there are still plenty of homeowners that won’t fall into either the refi or mod basket. And as with any government program, … (0 comments)
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rob alley: Attention Charlottesville Home Sellers - 02/27/12 02:05 PM
Your home may be worth MORE than you think. Find out for FREE at http://www.forsaleincharlottesville.com/sell
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rob alley: Virginia Real Estate Solutions Moves to RE/Max Assured Properties - 01/04/12 12:00 PM
Virginia Real Estate Solutions LLC has moved its team from Keller Williams over to RE/MAX Assured Properties! This is an exciting move creating new opportunities as well as better servicing our clients! Our contact information has mostly remained the same, our new office number is below. … (0 comments)
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rob alley: $$$--->Great First Time Home Buyer House<---$$$$ - 02/01/11 01:37 PM
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rob alley: ~*~^^^!!This Home has WOW!!@@^^^~*~ 3BR $148,500 - 01/13/11 12:22 PM
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rob alley: **You Deserve This Impressive Condo*** - 01/13/11 11:47 AM
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rob alley: $$$Its Not Often When You Can Pay Less and Get More!$$$ - 01/13/11 11:14 AM
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rob alley: Priced Super Low For Quick Move - 01/12/11 09:36 AM
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rob alley: Pay Less and Get More - 01/12/11 09:34 AM
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rob alley: This is it!! A Great Opportunity!!! - 12/28/10 03:55 PM
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rob alley: Avon Park Foreclosure - Builder Spec Home - 12/10/10 02:53 PM
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rob alley: 273 Lake Drive, Deer Lake Estates, Ruckersville, VA - 12/10/10 01:55 PM
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rob alley: How to Avoid a Timeshare Foreclosure - 09/30/10 03:02 PM
Owning a timeshare means making monthly maintenance fees and paying homeowners association dues and property assessments. However, if you are having trouble making monthly payments for any reason, it may seem tempting to just let it slide, especially if a majority of the loan has been paid already. This is not recommended, as letting a timeshare go into foreclosure status can be very detrimental to a credit rating.
There are ways to avoid timeshare foreclosure and keep your credit in good standing. One of the best methods is to get rid of the timeshare all together by selling it to another … (0 comments)
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rob alley: The American Dream...err...NIGHTMARE - 09/30/10 02:52 PM
If you drive 32 miles east of Reno, you'll find Fernley, Nevada. The city that limits its dog count to three per address and speaks out about the effects of graffiti on its Website has troublesome news to digest. It has the nation's highest foreclosure rate through August.
While the great recession has wreaked havoc on numerous local economies, Fernley has been the hardest hit. The city has seen more than 3,500 foreclosure filings over a 12-month period among its 17,900 housing units, according to Realty Trac, an online service that collects and aggregates foreclosure data.
It's been an awful time … (3 comments)
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rob alley: Trustee Sales - 09/30/10 02:38 PM
A trustee sale is a public auction at which a piece of real estate is sold. Trustee sales are held when people default on their mortgages and the lenders take possession of the property, and they are also held when people fail to pay their property taxes and the taxing authority takes the property. Such sales are usually listed in the newspaper so that members of the public are aware of the fact that property is available for sale.
In the case of mortgaged properties, when someone mortgages a property, part of the agreement involves a clause which allows the lender … (0 comments)
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rob alley: Deficiency Judgement - 09/30/10 02:35 PM
A deficiency judgment is a special type of legal judgment available in some states in the United States. It is a legal judgment that a bank or lender can obtain if a foreclosure does not satisfy the full amount of mortgage debt. The bank will have to sue to obtain a deficiency judgment, which can then be enforced by various legal means.
In a foreclosure situation, a homeowner ceases to pay his mortgage payments. The home is collateral on the mortgage loan, so the bank is entitled to seize the home. When a bank seizes a home, the home may then … (1 comments)
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rob alley: What does "Other Real Estate Owned" Mean? - 09/30/10 02:31 PM
Other real estate owned (OREO) or real estate owned (REO) is a term used in real estate to refer to property owned by a bank as a result of foreclosure proceedings. This property is not held as an investment and is considered a nonperforming asset for the bank. Banks try to sell their other real estate owned properties as quickly as possible to clear them from their books, as such properties drag down a bank's credit rating and total value.
When banks initiate foreclosure proceedings on distressed properties, the goal is typically to sell the property at auction. Properties revert to … (2 comments)
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rob alley: Call Phones From Gmail! - 09/28/10 01:06 PM
This is from the google blog:
Gmail voice and video chat makes it easy to stay in touch with friends and family using your computer's microphone and speakers. But until now, this required both people to be at their computers, signed into Gmail at the same time. Given that most of us don't spend all day in front of our computers, we thought, "wouldn't it be nice if you could call people directly on their phones?"Starting today, you can call any phone right from Gmail.Calls to the U.S. and Canada will be free for at least the rest of the year … (4 comments)
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rob alley: Gmail Has a Daily Limit on Sending Email - 09/28/10 12:20 PM
Gmail imposes a limit on the attachment size (20 MB) and the overall storage space (6 GB and growing) but there's also a daily quote on sending email. Break the rules and Google will disable you Gmail account temporarily without any warnings.
So while sending an email message to a large group of friends using Gmail, read the following rules to avoid temporary shut-down of Gmail:
Rule 1. If you access Gmail via POP or IMAP clients (like Microsoft Outlook), you can send an email message to a maximum of 100 people at a time. Cross the limit and … (3 comments)
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rob alley: 135 Brookwood Dr, Charlottesville, VA Townhome for Sale - 09/24/10 01:18 PM
VIRGINIA REAL ESTATE SOLUTIONS (434) 220-2217 WWW.CHARLOTTESVILLESHORTSALE.COM
--Information deemed reliable but not guaranteed--Copyright: 2010 by the Charlottesville Area Association of REALTORS® PLEASE VISIT US AT WWW.CHARLOTTESVILLESHORTSALE.COMPrepared by Rob Alley of KELLER WILLIAMS REALTY on 9/24/2010 1:04:49 PM
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A comprehensive blog about Charlottesville Real Estate including articles on short sales, foreclosures, market updates, news, resources and more.
Charlottesville Real Estate news and information. All new updates and market conditions as well as charlottesville short sale information, charlottesville foreclosure listings, avoiding foreclosure help, buying and selling information, central virginia updates, mortgage updates, charlottesville happenings, and tips and tricks in a slower market by Rob Alley, Realtor of Keller Williams Charlottesville
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