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Wisconsin Home Buyers - Would you like a Credit at closing? - 06/30/10 04:48 PM
*********************************** LIMITED TIME ONLY - 1% TOWARDS CLOSING COSTS ------------------------------------------------------------------------------ Potential Wisconsin Home Buyers, are you looking to take advantage of the low housing prices in today's market? Did you miss out on the Federal First Time Home Buyer Tax Credit? A credit is STILL an option. Would you like 1% of your new home's purchase price credited to you at closing?? Do you live in Dane or Rock County Wisconsin? Even if you are not a first time home buyer, we have a credit for you! Even if you don't live in the cities below, we can give you cash … (0 comments)
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Why do most For Sale By Owners FSBO Fail? - 06/30/10 04:29 PM
Via Loreena Yeo - Broker|Realtor(R) of Frisco TX Homes (214) 783-2210 (3:16 team REALTY):
Why do most For Sale by Owners FSBO Fail? Understanding failures may help home sellers seek higher probability of success.
Failure to price correctly - It is usually because of the bottom-line price that most Sellers decide to sell their homes For Sale By Owner. Here in Texas, we are in a non-disclosure state, which means the sold prices of homes are not publicly published. We feel that it is nobody's business how much someone pays for his/ her property. With that said, it makes … (0 comments)
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INEXPENSIVE WAYS TO IMPROVE THE VALUE OF YOUR HOME - 06/30/10 04:12 PM
Via Catherine Bennison (Keller Williams L.A. Harbor Realty):
Improving the Value of Your Home Doesn't Have to Cost a Small Fortune
… (0 comments)
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Buying A Home With A Pool? - What You Need To Know About Swimming Pool Safety - 06/30/10 04:08 PM
Via Phyllis Lerner (Legends Realty Group LLC):
Pools and spas can be lots of fun, but they can also be very dangerous-especially to children. The Home Safety Council encourages families to follow the safety steps below to avoid injuries in and around pools and spas.
-When children are in or near the water, a grownup should watch them very carefully. Do not take your eyes off them. Older children should not be left in charge of younger children in the pool area.
-If you have a pool or spa, install a fence that goes all the way around it. The fence should … (0 comments)
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Facebook Updates Its Privacy Control Settings - 06/29/10 02:39 PM
Via Lori Cofer ~ REALTOR® -- Pullman WA Real Estate -- 509-330-0086 (Beasley Realty):
Facebook has announced yet again new privacy controls for its users. If you haven't visited the site and double checked your privacy controls maybe now would be a good time to do it. Here is the link to their updated link on explaining all the changes. I personally think the "additional controls" might be helpful for you to know and utilize. Honestly, it is a housekeeping item that you really need to do pretty regularly as they change pretty frequently.
I also encourage you to … (2 comments)
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Ceiling Fans - 06/28/10 12:39 PM
Via Lane Midgett (1776 Real Estate Group Richmond, VA Local Expert ):
CEILING FANS Finding a ceiling fan to meet functional needs as well as match any interior decorating style is not a problem these days. Fans come in several sizes with blades made in just about any shape and/or material, sometimes making them the center of attention in a room and not just an accessory. And the style of lighting fixtures that can be added to the fans is equally varied. Prices are surprisingly low for a basic but quite adequate model to over $1,000 for decorator styles. Many … (1 comments)
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I'm Not Buying Your House - I'm Your Listing Agent - 06/24/10 05:03 PM
Here's a good blog by Josette. Remember, a listing agent isn't purchasing your home. I highly doubt they will 'pony up' the difference from what he tells you it will sell for, and what the market can handle.
Regards,Michael Collins - SFR - @RockRealty
Via Bethesda Real Estate ~ Bethesda Homes for Sale (Long & Foster Real Estate, Inc.):
Some days I feel like banging my head against the wall.
I heard a friend say recently that she didn't understand why her neighbor's house had not sold. After all, they went with the Realtor who gave them the highest price. Said … (2 comments)
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The MOST IMPORTANT Twitter Blog Ever??!!! - 06/23/10 01:03 PM
The TITLE says it all. This could be the most important Twitter blog you will ever read. This post could be the conduit that leads you to the land of Milk & Honey in your Real Estate career. This could specifically facilitate many closings in your future.
Trust me, this is not me tooting my own horn here... I'm extremely far from an expert in the Twitter field! This is an experiment that I thought of over the weekend. It could be very successful, but it will require your participation to work. It's possible that this may have been attempted before … (124 comments)
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Outdoor Lighting for Curb Appeal and Safety - 06/23/10 12:52 PM
This is part 4 of a 4 part series on 'Exterior Upgrades'. You've now painted, added a new front door and placed colorful ground cover in your front and back yard. Unfortunately, your fantastic curb appeal is only visible during daylight hours. It's time to think about exterior lighting.
Regards,Michael Collins - Broker
Outdoor Lighting for Curb Appeal and Safety
Article From HouseLogic.com
By: Dave TohtPublished: March 18, 2010
Well-planned outdoor lighting improves curb appeal, safety, and security for your home.
Think about it: Most of your guests (and if your home is on the market, many would-be buyers) see … (0 comments)
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Low-Maintenance Lawn Alternatives: Ground Cover - 06/23/10 12:34 PM
This is part 3 of a 4 part series on 'Exterior Upgrades'. Keeping on the theme of curb appeal, the article below covers 'ground cover'. Are you looking to decrease the amount of time it takes to mow your lawn? Not only will these ground cover suggestions substitute for areas of your lawn, but they will bring color as well!
Regards,Michael Collins - Broker
Low-Maintenance Lawn Alternatives: Ground Cover
Article From HouseLogic.com
By: Laura Fisher KaiserPublished: March 18, 2010
If you want a yard that demands less time, money, and water, consider ground cover rather than a traditional lawn.
Americans … (1 comments)
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Choosing an Exterior Door - 06/23/10 12:23 PM
This is part 2 of a 4 part series on 'Exterior Upgrades'. In the last article we learned how to properly paint the exterior of your home. When your home has a fresh coat of paint, it should pop and stand out from the homes next to it. What if your front door still looks sub-par?? Read the article below before choosing an exterior door. There are quite a few difference between door materials.
Regards,Michael Collins - Broker
Choosing an Exterior Door
Article From HouseLogic.com
By: Karin BeuerleinPublished: December 28, 2009
You should understand the pros and cons of steel, … (0 comments)
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10 Steps to a Perfect Exterior Paint Job - 06/23/10 12:13 PM
This is part 1 of a 4 part series on 'Exterior Upgrades'. Most everyone has heard that curb appeal is one of the biggest factors in the mid of the potential home buyer. Creating a nice exterior look and presence will increase the number of buyers who want to look at your home & the amount you will eventually receive on an offer. So what can you do to help your home's curb appeal?
I've found 4 articles that should help you with some ideas. The first and most striking item you can address is painting your homes. This of course … (0 comments)
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Drunk Driver hits Speed Trailer in Rock County WI - 06/22/10 05:04 PM
Have you seen these Speed Trailers before? We actually have some permanant ones attached to poles in our area. You know the ones.... as your car approaches the speed trailer, the speed at which you are going is displayed to everyone within viewing distance? Annoying, right?
In general, I have to say that I don't mind these speed trailers. As long as they are not taking photos of my license plate, they are something I can deal with. They probably DO result in people going slower, so I guess it's better for the neighborhood. I do have a bit of … (3 comments)
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Do You Need Flood Insurance - 06/22/10 04:35 PM
Kristyn put together some nice information below on Flood Insurance. Have you been thinking about purchasing Flood Insurance? Maybe it's time to get a quote....
Regards,Michael Collins - Broker - @RockRealty
Via Kristyn Grewell, ABR GRI (CENTURY 21 Goodyear Green):
Flood insurance. Do I need it? This is a question on the mind's of many since the flash flooding in Edmond, Oklahoma last week. Maybe it's a question on your mind too. So I asked someone I trust, Natasha Baird of Farmers Insurance, to share her thoughts on the subject. Here is what she had to say;
It only takes a few inches of … (0 comments)
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A Short Sale is a Two-Way Street But This Listing Agent Represents the Seller - 06/22/10 10:43 AM
Here's a great post by Elizabeth. It's important to know which side of the transaction you are representing.
Regards,Michael Collins - SFR - Broker - Rock Realty
Via Elizabeth Weintraub, Sacramento Short Sale Agent, Land Park, East Sac 233-6759 (Lyon Real Estate):
If you want to see something really gross, pick up your keyboard, turn it upside down and vigorously shake it. What you see on the tray, apart from the usual crumbs of pizza crust and bits of chocolate chip cookies, is stuff that falls off of you every day. You are shedding like crazy. Eyelashes, eyebrows, particles of skin. Ick. In … (4 comments)
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Woman Suspect in Pot Stealing Home Invasion - 06/22/10 10:31 AM
I'm sure this happens in Wisconsin too. The victims just don't call the police here :)
Regards,Michael Collins - SFR - Broker - Rock Realty
Via Robert Siciliano (Identity Theft Speaker):
It’s not often that I see “woman suspect” and “home invasion” in the same sentence. Home invasions are mostly done by Cro-Magnon men who are one step out of a cave and temporarily in society until they go back to jail. Police released a sketch of an armed woman accused of stealing two medicinal marijuana plants while a 19-year-old woman was home.
The report goes on to say it was two woman … (3 comments)
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FHA Loan - Louisiana Owner of Origin - Funny!! - 06/21/10 11:51 AM
I received this via email last week and thought I would pass it along. I have no idea if this story is true, and have no way of verifying, so feel free to form you own opinion. Given my experience with FHA and the government in general, I would not be surprised if this were true!
Regards,Michael Collins - SFR - Broker - Rock Realty
> The City of New Orleans often caused residents to be challenged with the task> of tracing home titles back potentially hundreds of years. With a community> rich with history stretching back over two centuries, houses … (4 comments)
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Q&A: Emergency Preparedness for Homeowners - 06/21/10 10:29 AM
Part 4 of 4 on Emergency Preparedness. You may still have some questions on preparing for an emergency. Read through the Question and Answer article below. You may just find your answer there.
I hope you enjoyed this small 4 part series of information!
Regards,Michael Collins - Broker - Rock Realty
Q&A: Emergency Preparedness for Homeowners
Article From HouseLogic.com
By: Mike DeSennePublished: March 31, 2010
HouseLogic talks to Red Cross disaster response expert Court Ogilvie about emergency preparedness for homeowners.
Emergency preparedness starts at home. Because disasters, from floods and fires to hurricanes and tornadoes, can strike … (0 comments)
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Insuring Against Natural Disasters - 06/21/10 10:23 AM
Part 3 of 4 on Emergency Preparedness. It's very important to also review your insurance policies. You may be surprised at what disasters are not covered. We have had quite a bit of flooding in this area over the past few years. When damage to my home's basement was determined as 'seepage', I received the news that my insurance would not cover the repairs. You can stay out of a situation like mine by purchasing extra insurance for flooding and other natural disasters.
Regards,Michael Collins - Broker - Rock Realty
Insuring Against Natural Disasters
Article From HouseLogic.com
By: Gwen MoranPublished: August 28, … (0 comments)
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Funny Friday! Kids say the darndest things.... - 06/18/10 09:41 AM
Via April Hayden-Munson Realtor, Southeastern Wisconsin (RE/MAX Realty 100):
The question asked: HOW DO YOU DECIDE WHO TO MARRY?
You got to find somebody who likes the same stuff. Like, if you like sports, she should like it that you like sports, and she should keep the chips and dip coming. -- Alan, age 10
No person really decides before they grow up who they're going to marry.
God decides it all way before, and you get to find out later who you're stuck with. -- Kristen, age 10
The question asked: WHAT IS THE RIGHT AGE TO GET MARRIED?
Twenty-three is the best … (3 comments)
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8 Reasons Why You Should Work With a REALTOR® - 06/17/10 12:54 PM
Via Carmela Pereira (Coldwell Banker Franklin Realty):
For those of you thinking about selling your home, here ’s why it pays to work with a REALTOR®: 1. Navigate a complicated process. Buying or selling a home usually requires disclosure forms, inspection reports, mortgage documents, insurance policies, deeds, and multipage settlement statements. A knowledgeable expert will help you prepare the best deal, and avoid delays or costly mistakes.2. Information and opinions. REALTORS® can provide local community information on utilities, zoning, schools, and more. They’ll also be able to provide objective information about each property. A professional will be able to help you answer … (2 comments)
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Give Your Community the Gift of Emergency Preparedness - 06/17/10 11:53 AM
Part 2 of 4 on Emergency Preparedness. Have you thought about creating an disaster plan for your Home Owner's Association or Subdivision? It probably would be a good thing to have if it is not already in place. Take a look at the checklist below.
Regards,Michael Collins - Broker - Rock Realty
Give Your Community the Gift of Emergency Preparedness
Article From HouseLogic.com
By: Sue MellenPublished: November 23, 2009
Creating a neighborhood disaster preparedness plan can safeguard your family, neighbors, and property, while strengthening and unifying your neighborhood.
Creating an emergency preparedness plan that helps your condo or homeowners association … (0 comments)
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Create a Home Emergency Preparedness Kit - 06/17/10 11:39 AM
This is Part 1 of a 4 Part series on being prepared for emergencies. Below you will find great information on putting together a kit for you and your family. Emergencies can strike at any time, and by being prepared, you can lessen the impact. In the process, you may even save someone's life!
Regards,Michael Collins - Broker
Create a Home Emergency Preparedness Kit
Article From HouseLogic.com
By: Wendy ParisPublished: August 28, 2009
Having a home emergency preparedness kit could be the key to your family's safety if disaster strikes.
Preparing a home emergency preparedness kit you hope never … (3 comments)
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Brazen Burglars Broke into the Same House Three Times in a Week - 06/17/10 10:36 AM
Via Robert Siciliano (Identity Theft Speaker):
In the first hit they made off with a television and four-figure sum of cash, plus a key to the garden shed.
They came back, let themselves into the shed, and took garden tools but were spotted by the returning home owners.
The GazzetteNews reported the homeowner investigated after noticing the shed door was open, and saw four people in the park behind the house, two of them were holding the tools stolen from the shed and the group ran off.
The burglars then made a third attempt on the house and caused damage to the … (0 comments)
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WMCA in Milton WI is expanding - 06/16/10 02:57 PM
According to a report from the Janesville Gazette, the Milton Wisconsin WMCA is moving. The new facility isn't far though, they are taking over a former tanning salon next door. The new facility should add features like shower stalls and a free weights area.
All in all, it's nice to hear that a local business is expanding. Commercial real estate has been a tough market as of late. You can see the article here:
Milton WI WMCA
Are you looking to move to Milton Wisconsin? Are you thinking of selling your home in the Milton area? If so, please do … (0 comments)
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Can I Buy a Home Immediately After a Short Sale? - 06/16/10 02:14 PM
Is it possible? Yes. Is it possibly opening the buyer to future legal charges? Yes, that is a possibility I would think. Read below.
Regards,Michael Collins - Broker - Rock Realty
Via Markita Aldridge-Woods: "Your Woodbridge FHA/VA Lender" (WestStar Mortgage):
Can I buy a home immediately after a short sale? The answer is yes. The other day I received a call with this exact question from a Woodbridge, VA short seller. I answered, "Yes you can with FHA, if you meet the following qualifications":
Home short sold cannot be a FHA loan Must have been current on mortgage at … (0 comments)
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Curb Appeal- 10 Points to Consider When Selling Your House. - 06/16/10 12:05 PM
Via Kathy Streib, ASP,IAHSP,RESA, DelrayBch -South Florida - 561-914-6224 (Room Service Home Staging):
You hear about Curb Appeal when selling or buying a house, but what is it and how do you get it? Does it means the house has nice curbs? Well, that's a good start but Curb Appeal to the buyer means that when they see a picture of your exterior on the MLS, a mental "check mark" is placed by your listing. Curb Appeal means that when a Buyer drives by your house, they want to schedule a viewing appointment through their Realtor. Curb Appeal means … (2 comments)
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Death of the Real Estate Office? - 06/16/10 11:30 AM
Joe put together a great blog below. We too operate from a 'Virtual Office'. Documents are scanned and uploaded to a shared site. Meetings are done at homes or a local restaurant. Keeping overhead costs low allows us to have more flexibility with our clients and our agents.
Regards,Michael Collins - Broker - Rock Realty
Via Joe Pryor.com Realtor Oklahoma Investment Properties (Redbud Realty):
I was moved today by Seth Godin's blog post. In it Seth said goodbye to the traditonal office. In his last few book Linchpin Seth talked about the death of the factory system office where we became cogs in … (0 comments)
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Phishing Scam: Using the U.S. General Commander in Iraq as Phish Food - 06/16/10 10:30 AM
Via Robert Siciliano (Identity Theft Speaker):
Fishing of course is the sport of tossing a tasty wormy baited hook connected to a fishing line and patiently waiting for a fish to take the bait.
Phishing is the sport of tossing a wormy baited tasty lie connected to a wormy human and the degenerate patiently waits for a naïve victim to take the bait.
A phisher can send thousands of phish emails a day and eventually someone will get hooked.
Phishing is a $9 billion business. Unlike the ongoing depleting of the ocean’s fisheries, there are PLENTY of people out … (0 comments)
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Youngsters Put Art into Crime Fight - 06/15/10 11:35 AM
Via Robert Siciliano (Identity Theft Speaker):
We’ve heard it a thousand times, “Children are the future.” “If we hope to solve the world’s major problems — achieving world peace, healthy lives, economic development, and global sustainability — we must provide richer learning opportunities for the world’s children. An educated and creative population is, without a doubt, the best path to global health, wealth, and peace.” MIT.
Children have been learning about crime prevention by taking part in a police poster competition. A neighborhood police team fostered an anti-burglary message that will be on display in their community.
Their Sergeant stated: “We … (0 comments)
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How To Remove Oil Stains On Garage Floor - 06/15/10 11:29 AM
A good blog from Kristin on removing oil stains. Scott suggested that you leave the kitty litter on for a few weeks, as it will continue absorbing the oil.
Regards,Michael Collins - Broker - Rock Realty
Via Kristin Johnston,Realtor,Waukesha County WI Real Estate (Remax Realty Center 414-254-6647):
AND NO, THAT IS NOT MY GARAGE!!!! LOL!
HOW TO REMOVE OIL STAINS ON GARAGE FLOOR:
You can remove most of a stubborn stain with a bit of elbow grease and scrubbing. First, remove the surface oil by sprinkling some cat litter on it to soak it up. Then, clear away the cat … (0 comments)
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Even the color of an orangutan’s Butt? Yup---even pink! - 06/15/10 11:24 AM
Via Charles Buell, Seattle, WA, Home Inspector (Charles Buell Inspections.com):
I love color----who does not?
I have never found it surprising that manufacturer’s rely on colors for various reasons. For example there are colors that affect whether people will buy a particular thing or not----or help people relax----or instill moods in people.
Throughout the history of electrical circuit breakers, some manufacturers have used colors for various reasons----and probably often just for fun. The vast majority of circuit breakers are black. I can’t say why that is----they really could be any color----especially today with all the modern plastics there … (0 comments)
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Tuesday Joke - 06/15/10 11:19 AM
A Woman was out golfing one day when she hit the ball into the woods. She went into the woods to look for it and found a frog in a trap. The frog said to her, "If you release me from this trap, I will grant you three wishes." The woman freed the frog, and the frog said, "Thank you, but I failed to mention that there was a condition to your wishes. Whatever you wish for, your husband will get ten times of it!" The woman said, "That's okay." For her first wish, she wanted to be the most beautiful … (3 comments)
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1031 Exchange - How You Can Indefinitely Defer Income Taxes - 06/15/10 10:58 AM
Via Miami Best Real Estate Team (ERA Herman Group Real Estate):
1031 Exchanges are excellent tools to reduce income taxes. Known both as "tax free exchanges" and "1031 exchanges" (based upon the enabling section of the federal income tax code) this tool allows investors to sell real estate without paying income taxes (at the time of sale). Real estate owners or investors expecting to acquire property subsequent to the sale of existing property can indefinitely defer income taxes by utilizing a 1031 exchange. 1031 exchanges have been available for over 20 year. Their popularity seems to have increased sharply over the last … (2 comments)
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Care and Maintenance of Your Deck - 06/15/10 10:47 AM
Without question, adding a deck to your home is a significant investment. You're not just buying a lawn ornament for your yard here! So you had better make sure that you maintain it. I don't know how many showings I have been to where the home has a beautiful big deck, and it is falling apart due to lack of care. Following the steps in the article below will help ensure that your deck is looking beautiful for years to come!
Regards,Michael Collins - Broker
Care and Maintenance of Your Deck
Article From HouseLogic.com
By: Dave TohtPublished: November 30, 2009
… (0 comments)
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Smart Upgrades for Decks - 06/15/10 10:40 AM
This is the 4th part of a 5 part series. If you are going to build a deck, why not do it right? Add those extra items that are going to make it special. The article below outlines a few ideas. Some are structural, while others are a bit more decorative, like adding planters. Enjoy!
Regards,Michael Collins - Broker - Rock Realty
Smart Upgrades for Decks
Article From HouseLogic.com
By: Dave TohtPublished: November 25, 2009
A few cost-effective add-ons can give a modest deck an edge and deliver a handsome payback should you sell your house.
A deck is one … (1 comments)
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Smart Options: Decking - 06/11/10 03:37 PM
Well, with the other articles from this series you've learned what kind of investment return you can get on decking. You also have an idea of where you want to put your deck and what size it should be. It's time to get to the details now! .... DECKING MATERIAL.
Regards,Michael Collins
Smart Options: Decking
Article From HouseLogic.com
By: Dave TohtPublished: February 11, 2010
When choosing decking materials, factor in the savings gained by low maintenance and longevity, even if the initial cost is higher.
If you're planning a new deck or upgrading an old one, the decking material is the … (0 comments)
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Evaluate Your House for a Deck - 06/11/10 03:31 PM
So you've made the decision to build your deck, fantastic! I mean, why not build something that you can enjoy and will get such a high return on investment??
Below, is some important information on planning for your deck.
Regards,Michael Collins
Evaluate Your House for a Deck
Article From HouseLogic.com
By: Dave TohtPublished: November 25, 2009
Here's how to plan a new deck that suits your property, meets your budget, and offers the best return on your investment.
In the summertime when the living is easy, there's nothing quite like a deck for cooking out, entertaining, or simply relaxing. In … (2 comments)
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Deck Addition: Return on Investment - 06/11/10 03:23 PM
I've always been a fan of decks. There's nothing better than sitting on your deck with the warm summer sun beating down on you. Don't forget your 'coozie' to keep your beer cold in the heat! Did you know that a deck can increase the value of your home?
Regards,Michael Collins - Broker - Rock Realty
Deck Addition: Return on Investment
Article From HouseLogic.com
By: John RihaPublished: December 15, 2009
A high return on investment makes a deck addition a worthwhile home improvement project.
Adding a deck to your home is one of the most worthwhile of all home … (4 comments)
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FORECLOSED....OWNER/RENTER to SQUATTER/TRESPASSER.. Part 1 - 06/10/10 02:18 PM
Via Richie Naggar Ran Right Realty Riverside, Ca:
Millions of people across the United States are in trouble. One of every four (4) homes has a problem. Some are there unexpectedly and others are there strategically. Trouble for anyone is not good regardless of the cause. Either way, here is some data that you need to know if you are going to navigate through foreclosure and all its demands.
If you are negotiating a loan modification, you are dealing with certain departments and sometimes two or three. All are run separately and answer to themselves. These departments are far from being efficient … (2 comments)
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SNEAKY.....BANK OF AMERICA.......LOAN MODS.......... TAKES THE CAKE........... - 06/10/10 02:18 PM
Via Richie Naggar Ran Right Realty Riverside, Ca:
I have clients that have been negotiating a loan modification with this bank for 1.5 years now. They have sent in all that has been required and requested and then they have sent it in again and again.
In addition, they have been in contact with this Bank 1-2 times a week for over 14 months trying to get the case closed and settled. After repetitive contacts and visiting with all the different departments and of course the famous on hold for Guinness record times......they state that the mod is FINALLY going out in … (5 comments)
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Another Happy Rock Realty Client!! - 06/10/10 10:49 AM
I take my job seriously and enjoy it very much. It's important to me to act as my client's partner, and not a salesman in a real estate transaction. The testimonial below that I recently received really meant a lot to me, and I thought I would share:
Prospective buyer/seller:
I am nothing but honored and enthusiastic to be able to write and highly recommend Mike Collins with Rock Realty for your next real estate adventure. I had a very negative experience with a different major realtor in the Janesville area who rushed me in an out of houses, pressuring … (0 comments)
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How Secure Are You And That ATM Transaction? - 06/10/10 10:29 AM
Via Robert Siciliano (Identity Theft Speaker):
ATM fraud is more common and likely than a crime committed directly against customers who are in the process of attempting to withdraw cash from the machines, according to NetworkWorld.
When studying “emergency PIN technologies” they state fraud was one of the few concrete conclusions from a report about the use of emergency technology at ATMs issued by the Federal Trade Commission.
Meanwhile reports indicate that thieves used “skimmer” devices to steal $217,000 from Long Island Banks between April and the end of May 2010. Banking information was then re-encoded onto the magnetic strips of … (0 comments)
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Keep Your Home Purchase on Track - 06/09/10 12:17 PM
As I have stated in previous blogs, a mortgage is key to closing the majority of transactions. Below are tips for making sure that your lending does not fall through on a home purchase. Take special note #2. I find that buyers who have issues with their lenders at closing, typically have done something that has changed their credit report.
Remember, taking out more credit (i.e. opening a Kohl's card) is affecting your credit report, whether or not you use the card.
Regards,Michael Collins - Broker
Keep Your Home Purchase on Track
Article From BuyAndSell.HouseLogic.com
By: G. M. FiliskoPublished: … (3 comments)
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Who Pays for Home Staging? Agents or Home Sellers? - 06/09/10 11:39 AM
As you have likely heard over the internet or on TV, home staging can do wonders for selling your home. But who should pay for it? Margaret makes some great points below.
Regards,Michael Collins - Broker - Rock Realty
Via Margaret Oscilia-Home Stager, Salem Oregon (Creative Concepts and Contracting, Salem Oregon):
With many homes on the market and fewer home buyers, home staging has become more in demand than ever before. Several agents and home sellers have asked us lately – who should pay for home staging?
Home staging makes houses easier to market — they look and “feel” better in person and in … (0 comments)
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Understanding Real Estate Representation - 06/08/10 03:10 PM
Real estate agents can offer their expertise on both sides of a transaction. There are important items that both sellers and buyers need to be aware of and protected from. This is where real estate agents, Realtors, or brokers are of utmost importance. The article below helps to explain the differences in, for lack of a better phrase, 'who the agent works for'. I can explain it further, feel free to call me anytime.
Regards,Michael Collins - Broker
Understanding Real Estate Representation
Article From BuyAndSell.HouseLogic.com
By: G. M. FiliskoPublished: March 29, 2010
Whether you're buying or selling, it's important to choose … (0 comments)
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4 Tips to Determine How Much Mortgage You Can Afford - 06/08/10 12:11 PM
Different people have contradicting opinions on how much mortgage one can afford. During the peak of the bubble, buyers were allowed to pretty much choose for themselves. They could state whatever income they thought they could get away with on some mortgage options.
Today however, with the economy as it is, you should take some time assessing your situation to determine how much you can afford. Then try to find a home a little bit under that number. Living below your means is the key to success. That success should start with the largest purchase you will make, your home.
Regards,Michael Collins … (0 comments)
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7 Tips for Improving Your Credit - 06/08/10 10:33 AM
As we all know, credit is essential for most to buy a home. It's a rare case that a buyer has 100% of the purchase price of a home available in cash. At todays low fixed rates, it more often then not makes more sense to use credit to leverage the cash that you have to invest.
If you are considering purchasing a home, take a look at the 7 tips below, brought to you by House Logic and the NAR.
Regards,Michael Collins - Broker
7 Tips for Improving Your Credit
Article From BuyAndSell.HouseLogic.com
By: G. M. FiliskoPublished: February … (2 comments)
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The "Perfect" Short Sale Buyers - 06/08/10 10:20 AM
There are two ends to every transaction. In a short sale you have a home owner who needs to sell for less than they owe (seller) and someone who wants to get a decent deal on the home (buyer). Buyers do need to be educated as well, the short sale process can be a long dragged out process, see below.
Regards,Michael Collins - BrokerRock RealtyRock Solid Real Estate StrategiesPO Box 2444Janesville, WI 53547-2444c: 608.921.8536f: 877.774.7625Mike@RockRealtyWI.comhttp://www.rockrealtywi.com/Follow us:www.twitter.com/RockRealtywww.facebook.com/RockRealtyMike
Via Kimberley Kelly (HK Lane Real Estate Co.):
It seems that almost every call and lead I take recently, is about a Short Sale. They truly are … (0 comments)
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Home Buyers Say the Darndest Things - 06/07/10 11:55 AM
Here are some amusing buyers comments.
Regards,Michael Collins - BrokerRock RealtyRock Solid Real Estate StrategiesPO Box 2444Janesville, WI 53547-2444c: 608.921.8536f: 877.774.7625Mike@RockRealtyWI.comhttp://www.rockrealtywi.com/Follow us:www.twitter.com/RockRealtywww.facebook.com/RockRealtyMike
Via Margaret Woda, Maryland Real Estate Blog (Margaret Woda (Long and Foster, Crofton MD Real Estate)):
Candid comments from qualified home buyers...
Home sellers don't always listen to good advice offered by their agents. Perhaps they would if they had half our experience working with buyers who can sometimes be brutally honest about the condition of homes we show them.
Sellers always ask for feedback, but do they really want the truth? I sometimes wonder what their reactions might be … (2 comments)
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7 Steps to Take Before You Buy a Home - 06/07/10 11:00 AM
Below is an informative NAR article for home buyers. It is a short list of 7 items you should go over before you buy a home. I would add that it is important to find out how important location is to you. Sometimes the home you can afford is not located as close to things as you would like it to be. For some buyers, the shorter commute is more important, while others would rather drive a little further to get the home they have always dreamed of.
Regards,Michael Collins - Broker
7 Steps to Take Before You Buy … (0 comments)
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The Question is should I wait for Prices to drop? What if rates go up? - 06/07/10 10:45 AM
Have you been thinking about buying? Do you think that prices may still drop? Well they might, but will it be worth it if rates go up??? The below example is a bit extreme for our market. You can divide the numbers by a factor of 5 to get a median home price in Dane & Rock County Wisconsin, but it still makes a good point.
Regards,Michael Collins - BrokerRock RealtyRock Solid Real Estate StrategiesPO Box 2444Janesville, WI 53547-2444c: 608.921.8536f: 877.774.7625Mike@RockRealtyWI.comhttp://www.rockrealtywi.com/Follow us:www.twitter.com/RockRealtywww.facebook.com/RockRealtyMike
Via Endre Barath,Jr. (Beverly Hills,CA.310.486.1002 Coldwell Banker):
The question is should I wait for Prices to drop? What if rates go … (5 comments)
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Opportunity v.s. Deal Properties - 06/07/10 10:30 AM
During my SFR designation course the instructor explained the difference between opportunity properties and deal properties. There is a difference in the approach, and it is important the buyer understands the difference.
Opportunity properties are those less than 30 days on the market and are in move-in condition. They are usually priced to sell just below market value. The opportunity is a good property at close to market value. Deal properties are those that have been on the market for a while in less than perfect condition. They will sell for well under market value, but the buyer will usually have to put … (2 comments)
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Why old school marketing won't sell your house - 06/07/10 10:17 AM
Good points from Lori.
Regards,Michael Collins - BrokerRock RealtyRock Solid Real Estate StrategiesPO Box 2444Janesville, WI 53547-2444c: 608.921.8536f: 877.774.7625Mike@RockRealtyWI.comhttp://www.rockrealtywi.com/Follow us:www.twitter.com/RockRealtywww.facebook.com/RockRealtyMike
Via Lori Liveston (Virtual Homes, Real Estate):
Some folks in the real estate biz have been reluctant to migrate their marketing efforts online. You know who I'm talking about... and I don't have to worry about any of them reading this because THEY DON'T BLOG and the internet scares them. They are missing out and so are you if they are working for you. If you are hoping to sell your home in the greater Boston area, you need to call me if:
… (0 comments)
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Friendship or salesmanship? - 06/07/10 10:15 AM
Great advice from Ken. I too believe that friendships and your reputation will bring in all the business you need.
Regards,Michael Collins - BrokerRock RealtyRock Solid Real Estate StrategiesPO Box 2444Janesville, WI 53547-2444c: 608.921.8536f: 877.774.7625Mike@RockRealtyWI.comhttp://www.rockrealtywi.com/Follow us:www.twitter.com/RockRealtywww.facebook.com/RockRealtyMike
Via Ken Cook, 678-439-8683:
If you have enough friends you never have to sell anything. If you have ever attended the Carnegie Institute you almost certainly know that in 1936 Dale Carnegie wrote, "How To Win Friends and Influence People". My uncle, Benjamin Wilkes Hale, did his best to get me to read it when I was about seven. It was much later before I finally picked … (0 comments)
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Buyers of Short Sales: Make Sure Your Closing Costs are Accounted For - 06/07/10 10:13 AM
Buying a short sale property? It's extremely important that your final HUD statement has all credits accounted for. As your buyers representative, I triple check all figures to ensure nothing is missed. See LaShawn's blog below.
Regards,Michael Collins - BrokerRock RealtyRock Solid Real Estate StrategiesPO Box 2444Janesville, WI 53547-2444c: 608.921.8536f: 877.774.7625Mike@RockRealtyWI.comhttp://www.rockrealtywi.com/Follow us:www.twitter.com/RockRealtywww.facebook.com/RockRealtyMike
Via LaShawn Norden, REALTOR, (321) 377-0157 Your Real Estate Advocate in Central FL (Keller Williams Heritage Realty):
Many Buyers in today's real estate market are asking for the Seller to pay a portion (or all) of their allowable closing costs, pre-paid items (such as homeowner's insurance) and other loan related fees.
If … (0 comments)
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How will the Census differ in Janesville WI? - 06/04/10 01:40 PM
As we all probably know by now, the census is almost complete. I came across the numbers from the previous Janesville Wisconsin Census' and thought I would share. The tables are below. It won't be long now until we see how things have changed in the last 10 years in Janesville. There have been some pretty big changes since 1990.
Household Type: 1980-2000
Note: Percents may not add to 100 due to rounding.
Source: U.S. Department of Commerce, 1990 and 2000 Census of Population
You can find more information on the City of Janesville Website.
Regards,Michael Collins - BrokerRock RealtyRock Solid Real Estate … (0 comments)
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Factors Contributing To The Rise In Foreclosures - 06/04/10 11:46 AM
Some experts believe home loan delinquencies will peak during the middle of 2010. The reasons given are unemployment still at high levels, number of mortgages 90+ days late are rising, and Alt-A & Option-Arm loans are set to reset in high numbers. There are many factors contributing to default, but mainly we can focus on 4 reasons.
1) The first is predatory lending which was common place for many years. This refers to approved loans given to buyers without the necessary financial resources to pay on the debt and loan originators who failed to inform the buyers of factors such … (2 comments)
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2 Million Homes Are Burgled Every Year - 06/03/10 12:41 PM
Via Robert Siciliano (Identity Theft Speaker):
The FBI says a home is burgled every 15 seconds. Police only catch one out of 10 burglars. The U.S. Bureau of Justice Statistics, show U.S. households experience about 16 million property crimes annually. Burglaries result in over $4.5 billion in losses annually resulting in over $2000 in losses to the victims. The National Burglar and Fire Alarm Association, determined property crime averages above 75 percent of all crime. And despite 2 million homes being burgled every year the Justice Department says that burglaries have declined over the past 30 years.
One reason is due to … (1 comments)
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We offer buyers 1% at closing - 06/03/10 12:09 PM
*********************************** LIMITED TIME ONLY - 1% TOWARDS CLOSING COSTS ------------------------------------------------------------------------------ Potential Home Buyers, are you looking to take advantage of the low housing prices in today's market? Would you like 1% of your new home's purchase price credited to you at closing?? For a limited time, Rock Realty is offering this 1% credit to any newly signed agency agreements with broker.
For example, if you purchase a $200,000 home, you would be eligible for a $2,000 credit at closing. This is a great opportunity now that the tax credit has expired!
Contact Michael and mention this ad for this … (2 comments)
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Double Jeopardy! Now Lenders Need A Second Credit Report Right Before Funding - 06/03/10 12:03 PM
I typically advise my buyers of this very thing. Thanks for the blog Janet.
Regards,Michael Collins - BrokerRock RealtyRock Solid Real Estate StrategiesPO Box 2444Janesville, WI 53547-2444c: 608.921.8536f: 877.774.7625Mike@RockRealtyWI.comhttp://www.rockrealtywi.com/Follow us:www.twitter.com/RockRealtywww.facebook.com/RockRealtyMike
Via Janet Guilbault California Mortgage Banker/Broker:
Please, whatever you do, don't go out and put $8000 worth of kitchen appliances on your Home Depot account BEFORE your loan closes.
I don't care if it is 0% financing and the payments don't start for 6 months. Just don't do it.
You may have your loan approval in your hot little hand. You may have signed your closing paperwork. But that bird is not going to fly … (0 comments)
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Renting and Securing an Apartment - 06/03/10 11:51 AM
Via Robert Siciliano (Identity Theft Speaker):
The time has come to leave the nest. The little birdie has to spread its wings and fly on their own whether they like it or not. The process is often overwhelming and difficult and the results can end up being great or awful. But knowing what you’re getting yourself into ahead of time can save you all kinds of headaches down the road.
Check the crime climate of the city/town/neighborhood you are considering moving to. Often we make moving decisions based on convenience and price. However consider spending a little more (or even less) … (1 comments)
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Survey Says: Housing Recovery Widely Expected by 2011 - 06/02/10 01:54 PM
It seems that the general consensus is a housing recovery by 2011. I do hope that this survey is right on the money, however I fear it may not be. My personal feeling is that the First Time Home Buyers tax incentive will delay the recovery that much longer. The next 4 months or so should be very telling. Does the recovery have the feet under it that the survey claims? When do you think we will have a sustained housing recovery??
"MacroMarkets LLC announced that, according to its new monthly survey, the onset of price recovery in U.S. … (2 comments)
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Wordless Wednesday - Fireworks - 06/02/10 11:19 AM
I came across this picture today and thought I would share. I was reminded how proud I am to be an American. Although news of late has been quite a downer, America still offers so many great things?
Don't you agree?
Regards,Michael Collins - BrokerRock RealtyRock Solid Real Estate StrategiesPO Box 2444Janesville, WI 53547-2444c: 608.921.8536f: 877.774.7625Mike@RockRealtyWI.comhttp://www.rockrealtywi.com/Follow us:www.twitter.com/RockRealtywww.facebook.com/RockRealtyMike
… (5 comments)
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Seller's Motivation Determines Time to Sell (short sales excluded) - 06/02/10 10:18 AM
Via Colleen McConnell, Tallahassee Realtor (Advanced Realty Group):
On a scale of 1-10, with 1 being lowest motivation (e.g. testing the market) and 10 being highest motivation (e.g. transferred and must sell in 30 days), a seller with a motivation of 8-10 should price the house slightly below market value and then listen to what the market is telling them. (Note: if they also want to get the best possible price, they will make repairs, make it look good inside and out, and make it easy to show).
The message from the market is always loud and clear and should be taken … (1 comments)
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Kids----ignore the whacko with the camera! - 06/02/10 10:03 AM
With a title like this, I had to reblog it :)
Via Charles Buell, Seattle, WA, Home Inspector (Charles Buell Inspections.com):
* * * * * * * * * * * * * * * * * * * * * * * * *
Click on the Rose to check out: AHA!---A Forum of Landmark Proportions---your Group
PS, for those of you that are new to my blog (or for some other "unexplained" reason have never noticed)all pictures and smiley-face inserts (emoticons) (when I use them) have messages that show up when you point at … (3 comments)
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Sunny Days, Sweepin' the Clouds away - 06/01/10 12:40 PM
Does your home inspector have a thermal imaging camera?
Regards,Michael Collins - BrokerRock RealtyRock Solid Real Estate StrategiesPO Box 2444Janesville, WI 53547-2444c: 608.921.8536f: 877.774.7625Mike@RockRealtyWI.comhttp://www.rockrealtywi.com/Follow us:www.twitter.com/RockRealtywww.facebook.com/RockRealtyMike
Via Jim Allhiser Salem, Oregon Home Inspector (Perfection Inspection, Inc.):
Can you tell me how to find, how to find a roof leak……
While most people complain about our recent downpours they have been providing me with much-needed rain to make leaks light up. One of the biggest benefits having a thermal image camera is the ability to see things you can’t see with your visual senses. A recent inspection on a home on Sesame Street and no I … (0 comments)
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Beware of Facebook Dangers - 06/01/10 12:37 PM
Via Robert Siciliano (Identity Theft Speaker):
Robert Siciliano Identity Theft Expert
Danger!! How’s that for a blog title that screams fear, uncertainty and doubt!? Fact is Facebook boast 400 million users and is in so many ways seems out of the control of its founder, and is looking dangerous. This is a company that has grown faster than fast and has a (very intelligent) 20 something CEO just out of puberty calling the shots. It seems the amount they (his Board? CIO? ) lets him run at the mouth that privacy is no big deal, shows an immature lack of control over … (1 comments)
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Protecting Your Property When You are Home - 06/01/10 12:35 PM
Good tips to go by.
Via Robert Siciliano (Identity Theft Speaker):
In a down economy, people make decisions they otherwise wouldn’t need to consider. Home invasions and robberies make the news every day multiples times a day.
In Huntington West Virginia in just the last two weeks, they’ve seen several different instances where homeowners have fought back and won. But, where is the line when it comes to self defense and protecting what’s your home?
One man says a machete saved his and his family’s lives. “They came at me physically with firearms, as far as I was concerned,” he said. … (0 comments)
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How Secure is your Mobile Phone? - 06/01/10 12:34 PM
Regards,Michael Collins - BrokerRock RealtyRock Solid Real Estate StrategiesPO Box 2444Janesville, WI 53547-2444c: 608.921.8536f: 877.774.7625Mike@RockRealtyWI.comhttp://www.rockrealtywi.com/Follow us:www.twitter.com/RockRealtywww.facebook.com/RockRealtyMike
Via Robert Siciliano (Identity Theft Speaker):
I love my iPhone. The fact that I have a full web browser and can access all my data anytime from anywhere is fantastic. Plus my iPhone allows me to peek in on my home security system with an application that’s connected to my home security cameras. If I’m on the road I can log in and see the family doing whatever activities in our outside the home.
If you don’t have a phone that you can integrate with your home … (0 comments)
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Mortgage Fraud and Identity Theft: Like Chocolate and Peanut Butter - 06/01/10 12:33 PM
Here are some great tips from Robert on Mortgage Fraud.
Regards,Michael Collins - BrokerRock RealtyRock Solid Real Estate StrategiesPO Box 2444Janesville, WI 53547-2444c: 608.921.8536f: 877.774.7625Mike@RockRealtyWI.comhttp://www.rockrealtywi.com/Follow us:www.twitter.com/RockRealtywww.facebook.com/RockRealtyMike
Via Robert Siciliano (Identity Theft Speaker):
Robert Siciliano Identity Theft Expert
You don’t need to own a house to become a victim of mortgage fraud. Heck, you don’t even need to be older than 3 to be a victim. As long as the thief has a Social Security number, they can apply for loans in your name.
Lexis-Nexis Mortgage Asset Research Institute in Chicago shows that the incidence of fraud in 2009 increased 7 percentage points … (0 comments)
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Protect Your Credit, Contact Your Bank - 06/01/10 10:35 AM
I have recently received my Short Sale Foreclosure Resource (SFR) designation through the NAR. Part of the requirement was to take a core course, 3 webinars and pass an exam. There are many great tools, resources and advice available for those upside down on their mortgage. An important point most advised was for distressed homeowners to contact their bank even before missed payments.
It is estimated 50% who are going into foreclosure never call their loan servicer. That means about half never find out other options available. It is worth the effort to speak with a bank representative. Lenders have been … (0 comments)
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Michael Collins, CDPE, SFR Wisconsin Short Sale Specialist Realtor®
Janesville,
WI
More about me…
*ROCK REALTY|Broker|Realtor|Real Estate|WI Short Sale Agent*
Address: 1818 Milton Ave #1361, Janesville, WI, 53547-1361
Office Phone: (877) 774-7625
Cell Phone: (608) 921-8536
Email Me
Rock Realty is a brokerage that specializes in Short Sales, Bank Owned Foreclosures, BPO's & REO listings in the Janesville and Madison Wisconsin area. This may involve negotiating a short sale for a home owner in need or finding the perfect home for a first time home buyer. Whatever it is you are looking for, Rock Realty's WI real estate agents are here to help you with your real estate needs!
 REALTORS® who have earned the SFR certification know how to help sellers maneuver the complexities of short sales as well as help buyers pursue short sale and foreclosure opportunities. The certification program includes training on how to qualify sellers for short sales, negotiate with lenders, protect buyers, and limit risk.
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