Rob's Blog

Finding the Good in today's Real Estate Markets

Rob Rosa (WPI - Rubicon Crossings) — Wed, 19 Nov 2008 11:16:23 -0600

This is a difficult time in Real Estate, I am not going to debate that. Many real estate investors have tight margins, many homeowners can't afford to pay their mortgage and taxes, and worst of all many people cannot buy or sell a home to move to the next step in their life.

I am suggesting we take a moment to look at the GOOD in today's Real Estate Markets. The whole markets is not bad, there are segments (rentals, luxury, starter, commercial and so on). It is important to look at how you can benefit from certain segments in today in Real Estate. I mean, let's face it, the stock market is too volatile and Real Estate is still the best long-term investment. The Real Estate market is something physical (you can see it, improve it, maintain it), it is something that helps you gain tax advantages and it is something that will help you increase your standard of living.

So allow me to share with you what I see as great if not at least good:

•· The State of CT and Town of Manchester have put together a No Money Down/Low Interest Rate program for starter/move up homes in town. You can learn more about this at Manhester Down Payment Pilot Program.

•· Mortgage rates being issued by the FHA are at the high-time lows.

•· Home prices are low, making it a great opportunity to buy. This gives homebuyers more home for their dollar.

•· There is a first time homebuyer $7500 tax credit in place by the federal government.

•· Bank and corporate owned properties are at an all time high. They do not want to own small properties making many of them a great bargain. Get access to these at Bargain Priced Properties.

•· There is a rehabilitation tax credit issued by the federal government in place.

•· Many banks are putting a halt on home foreclosure seizures until the housing finance crisis is resolved.

•· Buyers in today's market will experience HUGE appreciation over the next few years if they decide to sell.

•· Real Estate is localized and the Northeast is still strong.

•· There is a HUGE selection of homes on the market, why not buy when you have the most amount of power for negotiation? Sellers are ready to work with many buyers on creative transactions. Get a report on how to do it at How to Save Thousands When Buying a Home

Studying the Real Estate market is a practice that separates the SMART from the FLOATERS. Take another look, try to look at it with an open mind and focus on how you can benefit from today's market.

I am here if you have an opportunity you would like to discuss or need to run an idea by someone.

I hope you are having a great day and want you to know I am here to help you or a friend with their real estate and mortgage needs. Feel free to call me at 860 558 2122 or visit my website at http://www.robrosa.com for more info.

Real Estate Investing - making YOUR money

Rob Rosa (WPI - Rubicon Crossings) — Wed, 22 Oct 2008 15:02:47 -0500

Hello All Real Estate Investors!

When do you make your money in real estate? I would tell you that you make your money when you put an offer on a property. You need to buy at the right price in accordance with your exit strategy for that piece of property.

Today, many people are afraid to buy because "the market is bad" or "I dont have any money to invest." Properties with great returns can be bought if you are continuously on your search AND you have a plan of what you are going to do with it. I once heard that Warren Buffet said the best time to make money is during times of chaos. As we know, there is alot of "chaos" in real estate today.

When you are ready to put your offer in for that next piece of property, understand:

•· what you are buying,

•· how you are going to profit from it,

•· and what your exit strategy is

Don't "wing it."

I am here if you have an opportunity you would like to discuss or need to run an idea by someone.

Sincerely,

Rob

Real Estate - Are they there for you?

Rob Rosa (WPI - Rubicon Crossings) — Mon, 08 Sep 2008 18:44:56 -0500

Dear CT Realtor,

It's Monday evening, I was thinking about the day and I felt like writing you a quick note to let you I am here to support you. The days are long and we are working harder than ever.

Today I:

helped a new agent write their first Purchase & Sale agreement (yeeaahh!)
worked with an agent on a Sale Contingency doc
reviewed a rehab loan product we have available with an agent for review with his client

If your manager or broker is not there for you, to help you, support you, or back you up then maybe its time we talk. I make it my priority to treat my agents like they are MY most important client.

Know that I am always available for questions and can help you succeed in real estate & mortgages. We can do it together! Call me for a confidential discussion.

Warmest regards,

Rob Rosa - Broker/Owner

WPI - Rubicon Crossings

phone - 860 558 2122

email - robrosa@sbcglobal.net

Kids and Homes

Rob Rosa (WPI - Rubicon Crossings) — Thu, 28 Aug 2008 10:16:20 -0500

Kids and Homes

Today I just felt like writing about why we want bigger, better, more beautiful homes. Do we want this home (really just a THING made of concrete, wood, and metal) for our own comfort, our own ego, to pass it on to our kids, or for a combination of those reasons?

Many of us are always looking for that "next best thing." What void are we trying to fill? I would suggest that we look at our home as a way to increase our satisfaction in life. Our homes can comfort us. They can give us a sense of pride and ownership. Something to go home to after a long day at work. We, as Americans, want to live the dream. We want to own a "piece of the pie."

As a real estate professional I can help you with those goals. Not by just taking the order as to what kind of house you want but by providing you with insight, wisdom, and counselling. What truly are your needs and wants? What truly can you afford? Let's talk about it and take action.

Let's understand what kind of home you really want and why? What will buying this home accomplish for you?

Now back to the subject of the kids...I personally have feelings (at this moment) that I want to work harder than ever to improve my children's lifestyle. I didn't have it really tough growing up. My father worked hard and I don't think I went without much but I know that money is limited if it is not earned and spent correctly. I want my kids to learn the importance of how they can enjoy life if they are responsible with their money. They will be blessed with abundance as they learn to make money work for them.

I hope you are having a great day and want you to know I am here to help you or a friend with their real estate and mortgage needs. Feel free to call me at 860 558 2122 or get more info at http://www.RobRosa.com.

Sincerely,

Rob

Buyer Mistakes

Rob Rosa (WPI - Rubicon Crossings) — Wed, 27 Aug 2008 07:52:18 -0500

Discover How to Avoid the 6 Biggest Mistakes Homebuyers Make.

For a FREE REPORT visit http://cthouseinfo.com/redir.asp?T=450903349&page=buyer_mistakes.asp

or for a FREE recorded message call 1-800-596-6035 ID# 1004

Downpayment Assistance for Manchester Homebuyers!

Rob Rosa (WPI - Rubicon Crossings) — Sat, 28 Jun 2008 13:56:04 -0500

Major Announcement!

We have access to help you buy a home with FREE money from the State of CT and the Town of Manchester!

If you would like to buy a home with NO MONEY DOWN and a low interest rate of 5.875% call me today and let's get started!

This program is for buyers who have not owned a home in the last 3 years. You can buy a single family, condo or multi-family up to 4 units with units with this program.

Email me at robrosa@sbcglobal.net or call me at 860 558 2122 to discuss the details. Let's get you started before the funds are exhausted.

It's easy and I can help you take the next step in home ownership! My pledge is to share my knowledge to help you buy or sell a home.

Rob Rosa - President, WPI Rubicon Crossings,

website: http://www.wpirubiconteam.com/CHFA_-_Manchester_Homebuyer_Program/page_2084520.html

PS....if you are looking to sell (specifically in Manchester) I have a large database of buyers that might be interested in buying quickly, let me know.

Why rent when you can own

Rob Rosa (WPI - Rubicon Crossings) — Tue, 17 Jun 2008 22:16:50 -0500

***STOP RENTING***
Great starter home, New to market, less than $1,200 per month. Homes available now. Low down payment available.
Free Info Package

Visit http://cthouseinfo.com/redir.asp?T=402842054&page=stop_renting.asp

Courtesy of WPI - Rubicon Crossings

3 Things Home Staging Can Do For You

Rob Rosa (WPI - Rubicon Crossings) — Tue, 10 Jun 2008 21:31:02 -0500

What will a real estate staging experience when listing with WPI - Rubicon Crossings do for you?

1. Create successful selling experience by making your home warm and inviting for potential buyers.

2. They will pay close attention to detail, using your furnishing and accessories to create the perfect environment for your realtor to close the sale at the best price possible.

3. Dedicate time and efforts to making your home all it can be. You can be assured that we will have your best interests in mind with everything they suggest and do.

WPI - Rubicon Crossings will pay for a FREE staging experience to your home when you list with Rob Rosa.*

Put your home above the rest and give it the best chance to make you the most amount of money if you need to sell!

Call me at 860 558 2122 or email me at robrosa@sbcglobal.net for more information.

Learn more about us at http://www.SellFastwithRobRosa.com

*Conditions apply - call Rob to review, most programs are eligible for the FREE staging experience

What will happen to the Real Estate Market if Obama is elected?

Rob Rosa (WPI - Rubicon Crossings) — Wed, 04 Jun 2008 06:18:21 -0500

What will happen to the Real Estate Market if Obama is Elected?

The majority of the real estate markets in the US today seem to be at a very pivotal moment - they are poised to sustain some of the gains they have made over the last 5 years or home prices will continue to drop and continue to create a negative sentiment (short sales, foreclosures). I believe the main reason there is so much uncertainty is because of the availability of financing. It seems that banks have tightened up the appraisal standards and discontinued many of their programs that were too risky for them.

Okay - so I now present you with the question at hand. What will happen to the Real Estate Market if Obama is elected? I would like to get some feedback and discussion on this point. The Real Estate Market in the US plays a very important factor in the quality of life to the average American. The average American wants to be able to afford the "American Dream." How is the federal government (under Obama's watch) going to help or hurt the quest for the "American Dream?" Have there been any comments made on this by Obama? Does he have a plan in place for the federal government to help to improve the situation or does he believe it is not the federal government's responsibility to be involved in our capitalistic society.

Can you share your thoughts with me on this one? What will happen to the Real Estate Market in the US if Obama is elected?

My livelihood depends on it. Learn more about me and WPI Rubicon Crossings at http://www.InvestwithRobRosa.com

Do you need to buy a home

Rob Rosa (WPI - Rubicon Crossings) — Mon, 26 May 2008 09:55:02 -0500

I work with people everyday who know it is time to buy a home but have not taken the next step. Maybe the other tenants are driving you crazy, maybe you are too tired with trying to keep up with the maintenance of their home, maybe you can't afford your current housing payments, or maybe you just want to start investing a begin building a real estate portfolio.

The reason I am writing is to tell you that if you know deep down that you need to buy a home...now is a great time to buy! Interest rates are low and prices are lower than ever. I currently have time to begin working with a few new clients and want to let you know I am available. I have the contacts in place to get you the lowest rates available (we can run your credit and talk about this), I have the process in place to make sure you find the lastest listings first, and I have the systems in place to help make it a smooth transaction as possible.

Call (860 558 2122) or email (robrosa@sbcglobal.net) me if you would like to talk more about your real estate needs and let's get started.

Here is a list I wanted to share with you as you are thinking about taking that next step:

- Don't buy if you can't stay put.

If you can't commit to remaining in one place for at least a few years, then owning is probably not for you, at least not yet. With the transaction costs of buying and selling a home, you may end up losing money if you sell any sooner.

- Start by shoring up your credit.

Since you most likely will need to get a mortgage to buy a house, you must make sure your credit history is as clean as possible. A few months before you start house hunting, get copies of your credit report. Make sure the facts are correct, and fix any problems you discover.

- Aim for a home you can really afford.

The rule of thumb is that you can buy housing that runs about two-and-one-half times your annual salary. But you'll do better to use one of many calculators available online to get a better handle on how your income, debts, and expenses affect what you can afford.

- Don't worry if you can't put down the usual 20 percent. I have products available as low as 3%.

There are a variety of public and private lenders who, if you qualify, offer low-interest mortgages that require a down payment as small as 3 percent of the purchase price.

- Buy in a district with good schools.

In most areas, this advice applies even if you don't have school-age children. Reason: When it comes time to sell, you'll learn that strong school districts are a top priority for many home buyers, thus helping to boost property values.

- Get professional help.

Even though the Internet gives buyers unprecedented access to home listings, most new buyers (and many more experienced ones) are better off using a professional agent. Look for an agent like myself who will have your interests at heart and can help you with strategies during the bidding process.

- Choose carefully between points and rate.

When picking a mortgage, you usually have the option of paying additional points -- a portion of the interest that you pay at closing -- in exchange for a lower interest rate. If you stay in the house for a long time -- say five to seven years or more -- it's usually a better deal to take the points. The lower interest rate will save you more in the long run.

- Before house hunting, get pre-approved. We can get you pre-approved on a SAME DAY basis.

Getting pre-approved will you save yourself the grief of looking at houses you can't afford and put you in a better position to make a serious offer when you do find the right house. Not to be confused with pre-qualification, which is based on a cursory review of your finances, pre-approval from a lender is based on your actual income, debt and credit history.

- Do your homework before bidding. I will complete a FREE Buyer Comparative Market Analysis for you.

Your opening bid should be based on the sales trend of similar homes in the neighborhood. So before making it, consider sales of similar homes in the last three months. If homes have recently sold at 5 percent less than the asking price, you should make a bid that's about eight to 10 percent lower than what the seller is asking.

- Hire a home inspector.

Sure, your lender will require a home appraisal anyway. But that's just the bank's way of determining whether the house is worth the price you've agreed to pay. Separately, you should hire your own home inspector, preferably an engineer with experience in doing home surveys in the area where you are buying. His or her job will be to point out potential problems that could require costly repairs down the road.

(list is courtesy of cnn money)

Don't wait if you know the need is there. It is a buyer's market but it won't be forever. Call me and let's get the process started.

Sincerely, Rob Rosa - Your Personal Real Estate Counselor

WPI - Rubicon Crossings, Broker - Owner Phone - 860 558 2122

Email - robrosa@sbcglobal.net

PS....Visit my website at http://www.InvestwithRobRosa.com for FREE Buyer Reports!

STOP PAYING RENT - Free Info

Rob Rosa (WPI - Rubicon Crossings) — Wed, 21 May 2008 21:51:21 -0500

Don't Pay Another Cent in Rent to Your Landlord Before You Read This FREE Special Report

If you're like most renters, you feel trapped within the walls of a house or apartment that doesn't feel like yours. How could it when you're not even permitted to bang in a nail or two without a hassle. You feel like you're stuck in the renter's rut with no way of rising up out of it and owning your own home.

Well don't feel trapped any more! A new FREE Special Report entitled "How To Stop Paying Rent and Own Your Own Home" has already helped dozens of local renters get out from under their landlord's finger, and move into a wonderful home they can truly call their own. You can make this move too by discovering the important steps detailed in this FREE Special Report.

It doesn't matter how long you've been renting, or how insurmountable your financial situation may seem. With the help of this report, it will become suddenly clear to you how you really can save for the down payment and stop wasting thousands of dollars on rent.

Order this FREE report NOW and stop wasting thousands of dollars on rent.

Visit http://www.CTHouseInfo.com

Buying a Home - 13 Costs

Rob Rosa (WPI - Rubicon Crossings) — Thu, 01 May 2008 23:07:56 -0500

13 Extra Costs to Be Aware of Before Buying a Home

Visit http://cthouseinfo.com/redir.asp?T=1263808593&page=seminar_13costs.asp

Sell FAST in Under 77 Days! Personally Guaranteed!

Rob Rosa (WPI - Rubicon Crossings) — Sat, 26 Apr 2008 21:44:25 -0500

List With the Rob Rosa HomeSelling System...

Your Home Will Sell in Under 77 Days or

I will work for Free!

No Gimmicks or Empty Promises! When you list your home with the Rob Rosa HomeSelling System, we guarantee that if your home is not sold within 77 days of listing at the price we agree to, that we will market your home for an additional 30 days & not charge you any listing commission at all! We will also offer your buyer a FREE 1 Year Home Warranty at closing to help net you the HIGHEST PRICE! This is the least expensive way to sell your home for the most amount of money!

Call Rob at 860-558-2122, email me at rubiconcrossings@yahoo.com, or visit http://www.Sellin77.com to schedule a visit to your home and discuss the Personally Guaranteed Sale on Your Home.

Home down the street

Rob Rosa (WPI - Rubicon Crossings) — Mon, 21 Apr 2008 22:21:05 -0500

HOMESELLERS

Find
out what the home down
the street sold for!

Visit

http://cthouseinfo.com/redir.asp?T=1891751590&page=gold_findout.asp

6 Mistakes to Avoid

Rob Rosa (WPI - Rubicon Crossings) — Thu, 17 Apr 2008 08:10:58 -0500

Discover How to Avoid the 6 Biggest Mistakes Homebuyers Make

A new report has just been released which identifies the 6 most common and costly mistakes that homebuyers make when buying a home.

Mortgage regulations have changed significantly over the last few years, making your options wider than ever. Subtle changes in the way you approach mortgage shopping, and even small differences in the way you structure your mortgage, can cost or save you literally thousands of dollars and years of expense.

Whether you are about to buy your first home, or are

planning to make a move to your next home, it is critical that you inform yourself about the factors involved.

In answer to this issue, industry insiders have prepared a FREE special report entitled "6 Things You Must Know Before You Buy".

Having the right information can make a major difference in this critical negotiation.

Order this report NOW to find out what you need to know to secure the best mortgage for your next move.

To get your FREE copy today visit http://cthouseinfo.com/redir.asp?T=707153476&page=buyer_mistakes.asp

Get more traffice to your web site

Rob Rosa (WPI - Rubicon Crossings) — Tue, 15 Apr 2008 20:19:59 -0500

In seconds, you can download this new patent-
pending advertising technology which will send
targeted visitors to your site today.
http://www.InstantBuzz.com/r/?robrosa

WANTED: Ambitious Real Estate Agents

Rob Rosa (WPI - Rubicon Crossings) — Mon, 14 Apr 2008 23:54:10 -0500

WANTED: Ambitious Real Estate Agents!

WPI, Rubicon Crossings needs licensed sales reps to assist in fast growing business. No experience is necessary. No desk fees. Be trained to be a great real estate agent.

BOTTOM LINE: If you are serious about your career in real estate and would like to learn how my system can increase your income and improve the quality of your life, then email me a day/time you are available for a confidential interview. I will personally train you and give you the tools necessary to provide your clients with more benefits.

Visit http://www.rubiconcrossings.com/ to learn more about us! Call Rob Rosa at 860 558 2122 or send an email to rubiconcrossings@yahoo.com to schedule a CONFIDENTIAL interview!

Sell in Under 77 Days - Guaranteed!

Rob Rosa (WPI - Rubicon Crossings) — Mon, 14 Apr 2008 23:48:22 -0500

Sell FAST in Under 77 Days! Personally Guaranteed!

List With the Rob Rosa HomeSelling System...

Your Home Will Sell in Under 77 Days or

I will work for Free!

Call Rob at 860-558-2122, email me at rubiconcrossings@yahoo.com, to schedule a visit to your home and discuss the Personally Guaranteed Sale on Your Home

CT Fixer - Uppers! The Bargains are here in CT!

Rob Rosa (WPI - Rubicon Crossings) — Tue, 12 Feb 2008 14:57:33 -0600

Fixer - Uppers and here in CT and are a great way to get a fantastic deal on a home! It's not easy for the average homeowner to find these deals, because you have to keep scouring the paper to see when one comes up.

If you're the type of person who recognizes what a great deal some of these properties could represent, you will be interested to know about a new free computerized service which automatically searches out and downloads a current list of all such properties day in and day out. When you receive this free, no obligation service, you're automatically plugged in to the most current list of FIXER UPPERS - Bargains on the market. This FREE service every week will save you a lot of research and running around.

Here's how it works. Every week, you will receive a FREE computerized report listing the current FIXER UPPERS - Bargains in your desired price range and location. There is no cost for this information, and absolutely no obligation. This insider information, sent to you in an incredibly simple and efficient format, will give you a huge advantage over other buyers in the marketplace.

Visit http://www.cthandymanspecials.com/ for a FREE computerized weekly report!