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Blog entries tagged with "changes":
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This is by far the most, well... for lack of a better word, interesting market that I have ever experienced in Real Estate. And, I've been playing in this Garner, NC sandbox for ten years now. I've not met anyone who has anything real (substantial, sure, actually going to close anytime … (1 comments)
Have you ever asked yourself "Is this all there is?" and upon reflection realized that the work you are currently doing may not be what you want to do long term? 
Now that I am the NEW Arizona Mortgage Guru, I am taking matters into my hands. *I feel like the new James Bond*. And at least for the time being I have decided that one person can only handle so much. Two is always better! So…in light of this revelation – … (0 comments)
Things have been very different lately. Life has been just a little hectic and unsettled. My sweet husband has had "plumbing" problems with the arteries that feed his heart for almost 20 years now. And things have finally come to a point where it was recommended that he have heart bypass … (7 comments)
"If nothing ever changed there'd be no butterflies." Author Unknown
Sometimes changes are difficult, other times they occur with little fanfare and sometimes they are marked by great celebrations. Most life tremors fall somewhere in between.It seems the uncertainty in the global economy is rippling through most households in one … (12 comments)
On October 1, the Federal Housing Authority (FHA) went through some significant changes which many are confused about. Let me clarify some of these changes:
Are you considering financing your new home purchase? If so, take notes...The Canadian Federal Government is making significant changes to some controversial lending protocols in Canada. The primary changes are 1) the elimination of the 40 year amortization period and 2) the elimination of O% down mortgages. According to CTV News and many mortgage brokers, the intent behind … (3 comments)
Do You Really Appreciate The Fact That Technology Exists?
I rang up groceries instead of scanning them..I hated those scanners..until I learned how to use them. Think about the television..it was a great step towards mankind when the remote control came out! 
This is my last blog entry in this luxury real estate blog. After more than a year of blogging on my ActiveRain blog, I'm afraid my time has come to an end. I'm about to move on to something new and scary, but I suppose change always involves some degree of fear … (11 comments)
Unfortunately I have been very busy lately almost two weeks and getting to do anything other than check my emails has been very difficult.
I just finished commenting on your Post and was going back to My Home Page, but when I clicked My Home....I saw States....."States, what is States?" I looked and clicked and found out that now Active Rain has added several different ways to find our blog. They've been telling us for awhile … (18 comments)
When I logged on this morning, it was obvious things in AR were not the same as when I went to bed last night. At least I DON'T think they were....Was I dreaming???
For Immediate Release: October 1, 2008CONTACT: Henry Fawell (410) 545-5830CBO report: downpayment assistance could generatenew revenue for U.S. TreasuryAmeriDream urges Congress to preserve DPA to stabilize housing marketGAITHERSBURG, MD - Downpayment assistance programs that expire today could generate sorely-needed revenues for the federal government if Congress preserves them by passing H.R. … (1 comments)
We as real estate professionals need to be well aware of our surroundings. You'd have to be vision impaired if you didn't notice what is going on all around us. I keep hearing people say, "I'm not selling a thing" or "this market sucks" and on and on...
AR, I took so much pride in designing my little blog image Header. It's not all that but hey, I obviously took time to do it. You know what I mean, the image with my company logo on top of this blog with the words "Hola &
I know this is not “new” news, but the closer we get to October 1st the more I get irritated about the passing of housing bill HR 3221.
Effective November 1. The new LLPA aka. Risk based pricing goes into effect.
However, there are lots of changes in the mortgage world that those looking to buy or sell a home should be aware. First, let me say, mortgage underwriting is really based on common sense -does it make sense? Will the buyer be able to afford to make the payments on this … (0 comments)
Big NEWS!
My friend is thinking of changing agencies. Naturally, I told her to come on down the street and join ours, I know for a fact that she is a steady producer, works full time and has a great relationship with her clients. So I had to ask, "Why?". This is not … (7 comments)
Upon the President signing the new housing bill, the following changes will take place:
Ever feel like you were happily flying along and then suddenly you lost the wind beneath your wings? Maybe feeling like you were shot down? It is not a good feeling. All you can do is hope that you can make a graceful landing. 
There are many changes being made right now to the way mortgage insurance is going to be charged on FHA purchases and refinances and it is going to be based on credit score and LTV. The best thing to do if your loan was not locked is contact your mortgage consultant and … (4 comments)
This information came through in one of those emails that go around from time to time. I have no idea if it is accurate or where the original source is, so I thought I'd post it to see if anyone can verify it. At the very least, it's interesting reading!
I would like to share an e.mail that I recieved a few minutes ago. I am sure it has been going around the net for a year or so due to the date. I would really like to give credit to who ever wrote it, but after going thru about 10 … (3 comments)
FHA has just announced that for the first time in history that, it will now take credit scores into account. These guidelines changes will become effective July 14th, 2008. I have put the link to the new guideline changes at the bottom of the page. Here are the 10 guideline changes … (6 comments)
The Federal Housing Administration will start charging upfront mortgage insurance premiums based on the borrower's credit score and down payment starting July 14, according to the Department of Housing and Urban Development. Upfront premiums paid at closing will range from 1.25% to 2.25% under the new pricing schedule that will apply … (2 comments)
On April 1, 2008 our company owners announced that they have discontinued our affiliation with Coldwell Banker and became a franchise of Prudential Real Estate. The company name was Coldwell Banker Homesale Services Group and has been changed to Prudential Homesale Services Group. The same people own and manage the company after the change, … (3 comments)
don't waste your time!! That's what I believe and that's why I moved. 
PROPOSED RESPA CHANGES WOULD MAKE ESCROW OFFICERS RESPONSIBLE FOR EXPLAINING LOANS!!!
Many people have been calling this for a while now but it became official on March 28th, 2008 that PMI [Private Mortgage Insurance] on Zero percent down loans is now gone. So what does this mean?.... It means that the days of buying a house with no cash at all are … (1 comments)
Are you having a hard time getting your contracts to close? The mortgage industry has lost it's mind! Just kidding, they have just made our jobs a lot more difficult. Jeez, we have to earn our commissions, but first you have to understand the changes in mortgages. There have been so many … (10 comments)
Well, I think it is safe to say that we have been in a buyers market for quite some time now. However, one of the signs that the market is changing is when we begin to see lowball offers. That is where we say this:
I have been joining various on-line networking sites and came across one that allows you to search for classmates that might also be members. So I pulled up my law school graduating class and a bunch of names came up. It once again hit me how behind the times I have … (1 comments)
Are you waiting for the "rock bottom"? Did you know that the majority of this down cycle is behind us? According to smart economists, the press has been exaggerating the issues. Sure, there are some good people in a bad situation but the market is correcting itself and some areas are … (1 comments)
Date- Feb 5, 2008-
I don't know about you but I have experienced a lot of change in the past month or two.
I know I have been weak at blogging lately, but time has been getting the best of me since th week before Christmas. I promise to get back on track. 
Credit scores have and always been a very important part to our life. Like it or not this three digit score decides many things for you such as (but not limited to):- Employment Opportunities- Insurance Costs- Interest Rates You Pay - Being Approved For a Loan or Credit Cards- Renting an … (5 comments)
Author’s Note: This is my last post until 2008. I’m astonished and overwhelmed with the attention that my book, My Blue Goose and my blog, Blog of Geese have received since launching. Thank you to each and everyone of you who have read, commented, forwarded and linked my blog posts.
Most of us have lots of opinions about things (and won't mind getting in others' faces about them). Let go so you have almost no opinions about people, things, or yourself. Something or someone either is or is not at any given time. What does opinion about it have to do … (0 comments)
Keller Williams Realty was recently honored with a Stevie Award in the Best Run Sales Organization category as the Real Estate Sales Organization of the Year at the second annual Selling Power Sales Excellence Awards in Las Vegas, Nev.
So I'm 40. Things change. I don't mean the obvious things like not getting carded anymore, grey hair, who is that in the mirror kind of things. I actually was just thinking about entertainment. See below... I think the way we remember Eddie Murphy & Mike Myers is a little different … (10 comments)
As some of you might have already heard by now, over the course of the last 30 days, both Fannie Mae and Freddie Mac have announced new Loan Level Price Adjustments as a result of an increase in delinquency rates with certain mortgage characteristics. This change has resulted in an increase … (40 comments)
In an Inman TV interview, Gregg Larson, CEO of Clareity Security discusses the consolidation of MLS's and the sharing of information among them. He also gives his advice on the advantages and disadvantages of MLS's sharing their information with each other. I still believe that the sharing of information among MLS's … (0 comments)
As most Floridians are aware, or should be aware, there could be changes in how the Homestead Exemption and others will function in the future in Florida. We will not know for sure until after the start of the year when voters have their say during an election in January.
Fall is a beautiful time of year here in Tennessee, especially in Crossville. Sitting higher on the mountain in the Cumberland Plateau captures the tree beauty and grace of the ever changing color leaves. With swift breezes you can surely capture the elegance of nature in all it's glory. Below are … (5 comments)
I haven't been around these parts in a while and it seams that alot have. Changed like now there is a ActiveRain Sponsors banner poping up everywhere, what's with that? Can someone catch me up to speed about this new ActiveRain. What with all the ads and how does it benefit … (6 comments)
Chapter 2007-44, Laws of Florida went into effect today. The changes to Florida’s title insurance laws will create a few adjustments to the way title charges are presented on closing statements. The law also repeals the prohibition on the rebate or lowering of the agent’s share of the title insurance premium … (2 comments)
At this point in time, I am sure that half of our industry is questioning their current employment. I am going to go out on a limb and say that half of the entire housing market, whether it be Realtors, Insurance Agents, Loan Officers, etc....they are getting nervous. 
One of the things we fail to remember is the thing most crucial to any transaction. And in this market, this quality is more vital than ever. I wasn't around in 1981 or 1973. I wasn't around in the 90's, at least doing this for a living. Yet, what I've garnered … (21 comments)
Times are a changing ......... 
The last two months have been rather hectic with major changes in my life and career. It is Monday and I am feeling good about catching up on everything that I love, but have just not dedicated myself to lately.
Hasta el creador de la Teoria de la Relatividad el famoso genio http://en.wikipedia.org/wiki/Albert_Einstein no solo creia en mecanismos, electromagnetismos y otros terminos cientificos. El tambien creia en positivismo y milagros. Como alguna vez explico: 
Life is full of changes. 
Originally posted on HomeFinancingNews.com
In September, Fair Isaac Corporation will make noticeable revisions to their FICO credit scoring model. Currently they divide consumers up into ten groups, based on credit history. But come the fall two more ‘poor credit’ groups will be added, and the existing groups rebalanced.
I included Los Angeles, just to comapre. The areas listed are the primary areas that search for homes for my buyers. This is useful information because it gives you a current outlook on what the maket has been like in the Southbay area as recent as April. For the most part, there has been significant increase in values. 
We put up a few minor changes this morning:
As the managing broker for a real estate firm, I am constantly trying to develop services and support that will satisfy my current associates and attract new associates.
I'm curious...
RENTERS WHO MAY BE LOOKING TO PURCHASE A HOME IN THE NEAR FUTURE ARE LIKELY TO FEEL THE MOST IMPACT FROM THE RASH OF SUDDEN CHANGES IN LENDING REQUIREMENTS INSTITUTED IN FEB/MARCH OF THIS YEAR IN WHAT MAY BE CONSIDERED AN ATTEMP BY THE LENDERS TO CURB FORECLOSURE RATES OR THE … (0 comments)
Proposed changes to Development and Comprehensive Plan February 20, 2007 Meeting
The other day I wrote a letter to the editor of our local newspaper addressing an issue that, for one reason or another, really affected me. The newspaper changed their "look." They purchased new equipment, made changes to the fonts, redesigned each section, and in general made many upgrades to make our … (0 comments)
Annually, The Georgia Association of Realtors (GAR) revises it standard Purchase and Sale Agreement. Typically the changes are minor but 2006 saw a major change. It begin was the introduction of the "Free Look Period". A clause which was designed for the buyer where as the remainder of the contract is … (0 comments)
For the 2007 tax year, the Congress is allowing Mortgage Insurance to be TAX DEDUCTIBLE for families with ADJUSTED GROSS INCOMES (AGI) up to $109,000!! (To get full credit for the PMI, the borrowers' AGI cannot exceed$100,000; the eligibility is reduced by 10% up to a max AGI of $109,000)Remember, this … (3 comments)
Adjustable-rate loans,also known as variable-rate loans, usually offer a lower initial interest rate than fixed-rate loans. The interest rate fluctuates over the life of the loan based on market conditions, but the loan agreement generally sets maximum and minimum rates. When interest rates rise, generally so do your loan payments; and … (0 comments)
Arrival of new companies such as Zillow, Trulia and many others innovators put pressure on MLS to adapt. Known for stifling innovation through its bureaucracy MLS realize that if they don't change clients might choose alternative ways to list, sell and buy properties. Please check my posts MLS In Turmoil Public … (6 comments)
St. Petersburg, Florida, aka The Sunshine City, was once known as the city of green benches. It was a winter retirement haven and folks would sit on the rows of green benches and watch the world go by. If you think this is still St. Petersburg, you’re sadly mistaken. The … (14 comments)