home: 8596 Mystras Circle, Elk Grove, California 95624 - 12/01/06 11:15 PM
Sold but we have others!Wouldn't you just love to jump right in and take a dip? This 4 bedroom, 2.5 bath home with 2328 square feet of living space and a 3 car garage with separate garage door openers just SOLD. Yes, it's too late for this one and oh what a … (7 comments)
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home: 10% Home Depot and Lowes Coupons - 12/01/06 01:58 PM
Here's an extra little touchpoint you can have with a client just before or after closing.
Send an email with the following links. They are special pages where your client can get a 10% coupon from Home Depot or Lowes.
www.HomeDepot.com/tenpercent
www.Lowesmoving.com
Many people spend a lot of money there after they buy a home. … (3 comments)
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home: Holy Cow - Thanks for the Response - 12/01/06 11:52 AM
Thanks for all the valid comments to yesterdays post.I still take exception to listing the house for the seller's ego. It makes more sense for the seller and your business to advertise in a way that you motivate the maximum numbers of buyers as possible to contact you. This gives you … (1 comments)
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home: Orange County California Housing Market - 11/30/06 01:42 PM
Hello Friends, Here is my November California Market Report! Be sure to check it out!What effect will this month's election have on the housing market? Here is this month's market summary and a breakdown of some local cities per the Orange County Register. Lake Forest median price up 7.7%, Laguna Hills … (0 comments)
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home: 2007 Conforming Loan Limits-Important Update! - 11/28/06 10:30 AM
Hello Everyone,I thought that Real Estate Agents,Lenders and consumers would like to know that the OFHEO (Office of Federal Housing Enterprise Oversight) had a News Release on November 28th 2006, which confirmed that the 2007 Conforming Loan Limit for one unit properties would remain at $417,000 for most of the United States. So, what does … (3 comments)
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home: Boxing for Sellers?...Can taking the gloves off really SELL your home? - 11/27/06 08:04 PM
Lacing up the gloves could get your home sold, especially if your "days on market" is getting a little ko'ed. With the market in Los Angeles (and the nation) in a steep decline and DOM getting as lengthy as links in a polymer chain, the time may be ripe for a … (0 comments)
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home: Protecting Your Clients Private Information! - 11/27/06 09:58 AM
Working in the lending business, there is a major topic that must be talked about. What is it? Your client's privacy. I had a client say to me the other day, "wow, you know more private information about me than my partner now!" To which I replied, "and you can feel … (5 comments)
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home: Here is the 1st issue of our e-newsletter!!! - 11/27/06 08:40 AM
We just sent out the first issue of our e-newsletter THE LOAN REPORT and it seems to have met with a positive reaction so we wanted to make it available on our blog. Please feel free to let us know what you think! THE LOAN REPORT November 2006 … (0 comments)
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home: Northern B.C. real estate booming - 11/26/06 11:43 AM
Real estate across northern British Columbia continues to boom, as the hot economy pushes up prices and home sales.
The value of sales covered by the B.C. Northern Real Estate Board, which is most of the province north of 100 Mile House, was up 33 per cent in the first nine months … (0 comments)
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home: Real Property versus Personal Property~Mobiles and Finance - 11/26/06 02:32 AM
There have been a few times this year that I've come across issues with agents and clients over the distinction between Real Property and Personal Property when it comes to mobile homes. In the eyes of many, mobile homes are just that...homes!
But, there is a clear distinction between a mobile home … (14 comments)
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home: Make your mortgage tax-deductible - 11/25/06 04:40 PM
Leading a revolution in the mortgage business, author Fraser Smith is teaching Canadians how to catch up to their U.S. counterparts and make their mortgages tax-deductible.
In Canada, mortgages are not tax-deductible but interest payments on money borrowed to create wealth or to make investments are deductible and there are a number … (0 comments)
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home: Rate yourself: Fixed or variable mortgage? - 11/25/06 04:33 PM
For a lot of people it's a more intimate question than "boxers or briefs?" and the reply is probably more revealing about a person's innermost self: Fixed-rate or variable-rate mortgage? With the Bank of Canada now widely thought to have concluded a series of seven interest-rate hikes in the past year, … (0 comments)
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home: 3rd Quarter Statistics Confirm Shift in Market Trend - 11/23/06 08:13 PM
Conditions for home buyers improved during the third quarter as existing single-family home prices in many metropolitan areas experienced corrections, and most states saw sales activity below a year ago which helped to build housing inventories, according to the latest quarterly surveys by the National Association of REALTORS.
Nationally, prices for … (0 comments)
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home: Sometimes It Is Better To Show Less In Order To See More - 11/23/06 03:42 PM
I called the Listing agent to set the appointment to view the home on Sunday, "The home owner will be out of town that day, would you please call me with some feedback"?, the Listing Agent asked me. Being the type that likes to lend a helping hand, "Sure no problem", … (1 comments)
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home: Mortgage costs not clear to homeowners - 11/23/06 12:38 PM
Less than one-third of Canadian homeowners know how much it costs for a mortgage when they buy a home, a survey shows. When asked how much they might pay for a $200,000 mortgage at six per cent over 25 years, 70 per cent said they didn't know or guessed lower than … (2 comments)
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home: What IS Home? - 11/23/06 10:02 AM
As real estate agents, part of our job is finding a home for our clients. Thing is, we may think we know what "home" means, but the fact is, it can mean different things to different people. We may have definite ideas about shape, color, orientation, and think that that's "right" … (1 comments)
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home: Nanaimo Real Estate tip # 9 - kitchen is the hub - 11/22/06 04:03 PM
Ever wonder why "kitchen parties" naturally occur in your home every time you have a get-together? Well, it is because the kitchen is the hub of every home. It is where we get nourishment and refreshment, gather and regroup after a busy day. It is a room with real value for … (1 comments)
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home: Bridgewater Bank & AIG United Guaranty Canada Partner to Deliver Innovative Mortgage Products to Canadian Homebuyers - 11/22/06 02:23 PM
Bridgewater Bank, Canada's newest chartered bank, and AIG United Guaranty(1), Canada's newest mortgage insurer announced today the agreement of a strategic partnership. The two companies will combine their respective mortgage finance and mortgage insurance expertise to deliver innovative products and superior customer service to the Canadian homebuyer market.Bridgewater Bank's Vice-President & … (0 comments)
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home: Nanaimo Real Estate tip # 8 - no money down - 11/22/06 11:11 AM
Whether you're buying real estate in Nanaimo or elsewhere in Canada, you can now apply for a 40 year mortgage with no money down. When you spot the for sale sign on that perfect house, imagine the feeling of comfort knowing you've been pre-qualified for the mortgage. Your realtor can include the homes in … (0 comments)
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home: Struggling to pay for a home - 11/22/06 09:02 AM
One in every seven Canadian households allocated nearly a third of their paycheck to shelter in 2004, according to a study that found renters in pricey cities such as Toronto and Vancouver were more likely to struggle with affordability than home owners.Statistics Canada said Wednesday that 14 per cent of Canadian … (0 comments)
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home: Nanaimo Real Estate tip # 7 - 11/21/06 09:35 PM
Disappear in Your Personal SpaToday's stress-filled world leaves us all crying out for rest and relaxation. Making your home's bathroom the best it can be will generate a 56% better return on your real estate property investment than the average popular reno.The goal should be to create a spa-like environment in … (0 comments)
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home: Nanaimo Real Estate - Fabulous Condo For Sale - 11/20/06 01:16 AM
ROCKY POINT CONDO For Sale: Own this fabulous updated north Nanaimo condo within a very prestigious adult oriented building within walking distance to the ocean. This extremely bright unit offers plenty of windows for natural light & a private patio with plenty of sun. Offering 1055 sq. ft. with 2 bedrooms, … (0 comments)
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home: Nanaimo Real Estate tip # 6 - fireplace - 11/20/06 01:03 AM
Rekindle your Passion for Living Nothing beats the feeling of curling up around a fire on a cold winter's night in your home. Not to mention the comforting feeling of hearth and home that a fireplace adds to a room. Installing or upgrading the fireplace in your home will generate 11% greater … (1 comments)
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home: Calimesa Market Conditions - Mission Grove Realty - Graham Holmes - 11/19/06 04:04 PM
Availability is increasing. Those thinking of buying or selling should act quickly and choose the right REALTOR. Sellers must consider the local knowledge and marketing techniques used by prospective agents before listing a home for sale. Buyers should have full loan approval when making an offer, choose a lender that is … (0 comments)
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home: Nanaimo Real Estate tip # 1 - fresh paint - 11/18/06 12:56 PM
Often overlooked for the dramatic effect it can have on any living environment, the simple repainting of walls gives you a 29% better return than other popular renos when listing your home for sale. Whether you go neutral with splashes of colour or warm and dramatic, trends include a mix of … (3 comments)
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home: House Numbering in Nanaimo on Vancouver Island - 11/17/06 01:00 PM
Many people do not recognize the importance of house numbers and as a result, many homes in Nanaimo are not identified with visible or legible house address numbers. In most cases, this is not an intentional decision, but rather a lack of understanding of the potential consequence of not installing them … (0 comments)
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home: Discover what has the biggest impact on your credit score! - 11/17/06 12:41 PM
Credit scoring has an enormous impact on your financial picture. It can mean the difference between getting a good interest rate on your mortgage loan, or whether you even qualify at all. It is therefore imperative to be well-versed on the factors that influence your credit score, and have the ability … (1 comments)
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home: All Realtors® need to stop selling homes - 11/17/06 10:38 AM
If I walk up to a consumer and try to sell them a new watch or a new car or in my line of work a new home, I will always fail. It's all psychological. It's all in their head. Consumers are looking at things from the perspective of "NO SOLICITING", "DO NOT CALL", … (0 comments)
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home: Energy efficent windows. Are they cost effective for resell value? - 11/16/06 09:56 AM
I was just wondering if anyone new if installing energy efficent windows was a cost effective way to build equity in your home. Will they raise the value of my house enough to make it worth while if I am planning to sell when the market is better, or does the … (4 comments)
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home: What's your state known for??? - 11/15/06 09:52 PM
Every state like every ethnic group is known for something either different or interesting or maybe even both.
In Hawaii we are known for our lush tropical beauty, our surf and large waves, hula dancing, beautiful women, Kona coffee, the macadamia nut, pineapples, pigeon slang, ethic diversity, King Kamehameha, Waikiki, and … (8 comments)
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home: Nanaimo Real Estate tip # 2 Ideas Underfoot - 11/14/06 02:37 PM
Great looking floors are a strong feature of any home. It often makes all the difference. This upgrade can generate a 22% better return on investment than the average.
Start by ripping out that dated wall-to-wall carpet. Then sand your existing floors down and refinish them, or choose one of the many … (0 comments)
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home: Sweat Equity in the Winter Months - 11/14/06 01:12 PM
Does anyone have any good tips of things that you can do to your house during the winter to raise your home equity? I am in the process of finishing my basement, but wasn't sure if there are other easy things that can be done to help my house value to … (8 comments)
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home: Austin is Booming! - 11/14/06 02:12 AM
Wow...The Austin community is Booming...REALLY!
Austin has been rated as one of the most affordable housing markets and one that is attracting employers. This is good news for buyers and for sellers. Seemingly, there was hardly a blip on the radar screen for sellers in Austin in 2006, while other areas of … (1 comments)
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home: Giving Clients a Shot of Reality! - 11/13/06 12:22 PM
From time to time, I feel like I need to give clients a "shot of reality!" Why? All consumers are out there listening to crazy, unrealistic offers in the media about home loan programs that few often qualify for....and the ones that do, often don't want the product to begin with! Ofcourse, everyone … (8 comments)
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home: Coming Home - 11/13/06 06:15 AM
There's something about Coming Home that soothes the soul. Whether we've been away at a conference, or travelling around the world, as much as we enjoy the journey, there's just something about Coming Home.
When Tami and I flew back from New Orleans on Saturday, it was one of the rare occasions … (3 comments)
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home: New Construction Colonial Home in North End of Bridgeport, Connecticut 06606 - 11/12/06 02:38 PM
New Construction Colonial Home (as seen on http://www.realtor.com/)640 Ezra StreetBridgeport, Connecticut 06606NEW CONST. CENTER HALL COLONIAL. LOCATED IN THE NORTH ENDMAIN LEVEL LR W/FIREPLACE & HRWD FLRS, FORMAL DR W/HRWD FLRSEIK. W.SLIDER TO DECK. 1/2 BATH W/LAUNDRY RM. MASTER BEDROOMW/HIS&HER CLOSETS & FULL BTH. FINISHED BASEMENT.$339,9003 Bed, 3 Bath1,700 Sq. Ft.0.17 … (1 comments)
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home: First Time Homebuyers - 11/10/06 09:53 PM
Why Buy?Tax deductionsStable housing costsAppreciation on your investmentGain equity uYou control your property Criteria to determine your type of home:Location New Fixer upper # of BRs # of Baths Garage, etc. Why Pre-approval?You know what you can afford before you shop Shows sellers that you are serious about buying You can … (2 comments)
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home: More Canadians using mortgage brokers: survey - 11/10/06 01:12 PM
Consumers using a mortgage broker are significantly happier than those using traditional approaches
Homebuyers' confidence in mortgage brokers continues to grow. More than 31% of Canadians sought the advice of a mortgage broker in 2006, according to a recent survey by the Canadian Institute of Mortgage Brokers and Lenders (CIMBL). This figure … (0 comments)
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home: Home building market continues climb - 11/10/06 01:06 PM
The upswing in Prince George's house construction is continuing, the latest statistics from Canada Mortgage and Housing Corporation show.Year-to-date, there have been 243 starts for single-family homes as of the end of October, a 10.5-per-cent increase over the 220 reached by the same point last year. Add on the 37-units of … (0 comments)
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home: Housing Market Participants to Benefit from Major Enhancements to CMHC Information Products - 11/10/06 01:01 PM
Canada Mortgage and Housing Corporation (CMHC) today announced that the housing industry, consumers and policy makers will benefit from a new suite of enhanced surveys and analytical reports from its Market Analysis Centre (MAC). "Our clients rely on MAC's products for comprehensive and up-to-date housing market information. In an ever-changing market, … (0 comments)
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home: Tax Exclusion When You Sold Your Home - 11/09/06 09:18 PM
David Strother, a CPA in the metro Denver area and a friend of our consulting business, provides us this year-end tax planning tip from his Monthly Newsletter:If you sold your main home, you may be able to exclude up to $250,000 of gain ($500,000 for married taxpayers filing jointly) from your federal … (0 comments)
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home: New home prices edge higher - 11/09/06 11:09 AM
The price of a new home increased at its slowest pace in nearly a year in September, as prices in Saskatoon rose while gains in Calgary moderated.
Statistics Canada said Thursday the new housing price index rose 0.5 per cent in September from August, below expectations for a 1 per cent … (0 comments)
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home: Counterproductive - 11/08/06 01:45 PM
This morning, I tried to start off the day on a productive note. I received the approval from my investor at 5:00pm last night on a file and went to work on getting all of the "prior to doc" and "prior to funding" conditions knocked out. By 7:30am this morning, I … (2 comments)
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home: Nanaimo Real Estate Lisiting on Vancouver Island - 11/08/06 12:40 PM
You'll love the ocean and mountain views of the mainland's Sunshine Coast once you exit the french doors leading to the rear deck. Minutes from Nanaimo's Westwood Lake, this lovely 2040 sq. ft. home sits down the driveway from a quiet cul-de-sac, serenely nestled amongst the foliage and trees of almost … (2 comments)
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home: Nanaimo Real Estate tip # 3 Home Colour Choices - 11/07/06 12:44 PM
When you see as many homes in Nanaimo as we do it is a constant source of inspiration simply noticing colours chosen by the home owners. Paint companies have thousands of home colours to choose from and the challenge is to pick the right ones for your home. Just as important … (2 comments)
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home: Colorado Has Distinction of Most Expensive Home Listed in U.S. - 11/06/06 11:33 PM
Colorado has the distinction of having the most expensive home in the country ever listed for sale, according to reporter Al Lewis of DenverPost.Com. The Aspen, Colorado home is the mountain home of Saudi Prince Bandar bin Abdulaziz and his wife, Princess Hafia. It is listed for $135 million, topping Trump's Palm … (1 comments)
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home: Nanaimo Real Estate tip # 5 Staging your Home - 11/06/06 06:14 PM
We like to chat with our Nanaimo clients about maximizing their real estate investment by using some simple staging techniques. Remember, the first impressions when listing and selling your home, whether in Nanaimo, British Columbia or elsewhere, may be critical to your success.Light 'em up! - make sure the lights shine bright in your … (0 comments)
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home: Pay your home down rapidly? - 11/06/06 10:29 AM
Should You Leverage Your Home orPay It Down Rapidly? There is a great debate within the inner-mortgage circles these days. Should we, as loan professionals, encourage clients to borrow as much money as possible? Or would consumers benefit more if we helped them to understand the advantages of 15-year amortization schedules and … (0 comments)
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home: Denver Residential is Mixed Market - 11/05/06 09:19 PM
The Denver Post reports that home price increases in the Denver Area have declined to a 2.7% rate in the second quarter. “…the market struggles with a near record 31,664 unsold homes in August. Appreciation of home values has begun to slow throughout the Denver Metro Area.” In the Economic and … (0 comments)
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home: RALPH ROBERTS on HOME WARRANTY COMPANIES - 11/05/06 08:33 PM
All Home Warranty Companies are NOT all the Same! Research, Compare, and Ask the Right Questions.Not all home warranty companies are the same. In fact, the differences can be quite significant. Some offer more coverage than others, some offer different levels of service, others offer different programs, different options and different … (0 comments)
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home: Fairfield, Connecticut - 11/04/06 10:41 PM
Dear Consumer & Real Estate Professional:
This blog is mainly about Fairfield, Connecticut. As Fairfield’s Mortgage Man, a 20 year resident of Fairfield, it is a pleasure to blog about the town and share as much information about one of the greatest towns in the United States. Fairfield has parks, golf courses, … (3 comments)
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home: Places Where Americans Would Love to Live - 11/04/06 03:12 PM
North Carolina and Virginia top the charts as places where American most want to live, while California and Florida received the top votes of foreign respondents in a recent study, the Anholt State Brands Index http://www.statebrandsindex.com/ The Index analyzes the brand strengths and weaknesses of all U.S. states.
The survey polled … (5 comments)
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home: Is your home ready for winter? - 11/04/06 06:56 AM
As the weather outside continues to remind us, summer is in the past. You may be considering some repairs around the house to prepare it for the cold months of winter. On that note, I’ve compiled a list of fall maintenance ideas to help you get started!
Gutters and downspouts Check … (2 comments)
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home: Court ruling frees Toronto couple from fraudulent mortgage - 11/03/06 09:06 PM
A Toronto court ruling that has freed a couple from a bogus mortgage is "unprecedented" and a "breakthrough," the victims' lawyer said Wednesday.Superior Court Justice Randall Echlin ruled Tuesday that Seyed Rabi and his wife, Shohreh Shafiei, were the innocent victims of identity thieves who placed a $247,860 mortgage on the … (1 comments)
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home: CMHC predicts strong year for housing starts in ‘06, but decline in 2007? - 11/03/06 08:53 AM
Canada Mortgage and Housing Corp. says this should be another strong year for housing starts, but they are expected to decline in 2007.The agency predicts starts will reach 227,900 units in 2006, before decreasing to 210,900 units next year.But although residential construction will ease, 2007 will mark the sixth consecutive year … (0 comments)
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home: What are lenders really looking for? - 11/02/06 10:53 AM
Lenders will initially look at:
Employment
Income
Assets
Some kind of credit
Employment - Employment is a critical part of the mortgage application. Being employed continuously for the past two years is helpful. Being in the same line of work is preferred, since it shows that you have been consistent in that field. … (1 comments)
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home: The "Stated Income" Phenomenon - 11/02/06 10:33 AM
With the influx of home purchases in the late 90's and into the New Century, a phenomenon hit us all. Homes were increasing in value and the banks needed to figure out a way to keep business flowing. Otherwise, it would come close to a schreeching hault, due to the afordability factor. Yup, the ability to … (20 comments)
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home: Housing starts set for three-year slide - 11/02/06 09:03 AM
Housing starts will likely decline over the next three years, while the blistering pace of price increases is expected to slow, a housing report predicted Thursday.
Starts are seen dropping 7.5 per cent next year and another 10.9 per cent between 2007 and 2010, Canada Mortgage and Housing Corp. said.
Price … (0 comments)
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home: Help your home sell - 11/01/06 10:13 PM
35 QUESTIONS AND SUGGESTIONS TO HELP YOUR HOME
SELL FASTER….
Get Ready …Start Outside!
Stand across the street, and take a look at your home from a potential buyer’s viewpoint…
1. Too many cars parked in front?
2. Is the lawn trimmed and are spots in need of re-seeding. Get landscaping in top shape. In the … (1 comments)
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home: Chairman of the Federal Reserve - 11/01/06 12:19 PM
(Ben Bernanke is on the right and his predecessor Alan Greenspan is on the left)
The name is Ben Bernanke.....
Have you heard his name?
Do you wonder what he does?
And more importantly...How does he affect each of us as consumers?
Well, for starters, he took over the position that the well … (2 comments)
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home: Home Improvements - 10/31/06 01:53 PM
Many Loan Options AvailableHome Improvements Turn Average Homes into Dreams Come TrueBy Chuck Walden, PresidentSignature Lending Group, Inc If you’re thinking about taking out a home improvement loan, there are several options to consider. First and foremost, your mortgage consultant needs to know why you want a home improvement loan. Here are … (0 comments)
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home: Financing Your New Home - 10/30/06 07:46 AM
The last few weeks at our brokerage have been very active compared to unusually slow summer months. I truly believe that all of the "bubble watchers" that have been sitting on the fence waiting to buy a home when the bubble bursts were pushed off the fence when the news was … (1 comments)
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home: Home Buyer's Checklist - 10/30/06 12:28 AM
… (0 comments)
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home: Over Your Building Budget? - 10/27/06 12:41 PM
I get phone calls from homebuilders from time to time that are in distraught. They sold a home that they owned. Took that cash and decided to build their own dream home after purchasing the land and putting the plans together. The plans get approved by the planning commission or other … (4 comments)
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home: Importance of using the right mortgage broker - 10/27/06 12:29 PM
What makes one mortgage broker better than another? A recent survey by TriDelta Financial Partners of their Canadian customers highlights the importance of using independent mortgage brokers who are qualified to understand the financial and retirement planning goals of their client.When asked about what they are seeking from their mortgage broker, … (0 comments)
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home: Do You Know Everything? - 10/27/06 11:49 AM
I don't claim to know everything. In fact, you can't know everything! The President has advisors as do other major figures. This is why I love Active Rain. I'm straightforward with my clients "from the get go" and let them know that if I don't have an answer to their question, … (0 comments)
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home: Don't Be Too Quick To Sign That Mortgage Renewal Letter - 10/26/06 10:48 PM
More than 70% of Canadians do not take advantage of their position and a mortgage broker's services during the renewal of their mortgage. In fact, most Canadians simply accept the posted rate their bank offers them at renewal. You should recognize that you are now negotiating from a position of strength as … (0 comments)
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home: Personal Growth - 10/26/06 12:25 PM
I think personal growth is one of the most important things that we can do in our lives. If you stop learning and think you "know it all", you're dupped! That's right, dupped!
Yesterday I went and picked up a book at the mall that I have been meaning to pick up for … (4 comments)
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home: West Side Ann Arbor Contemporary Ranch- Gardener's Delight! - 10/26/06 10:06 AM
West side ranch with gorgeous perennial filled yard - 100’s of established perennials, vines, shrubs - a gardener’s delight. 3 bedroom 1 1/2 baths, full partially finished basement with lighting and storage. 1127 square feet. Large great room with vaulted ceilings and lots of windows. Oversize 2 /12 car garage with … (0 comments)
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home: Hernando County News & Events - 10/25/06 08:35 PM
"Art in the Park"The Spring Hill Art League presents its 33rd Annual "Fall Harvest of Art" Show at Weeki Wachee Springs, FL. This is an annual event featuring the original works of many local and regional artists in a variety of media. If you are still looking for that special piece … (0 comments)
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home: Baby, I Need Your Lovin! - 10/25/06 01:42 PM
I admit it, I'm on a baby binge. My whole life right now, is focused on babies! Babies in the mall, babies at the grocery store, babies on television...Yup, babies, babies, babies....We have our first one on the way in a few weeks and I'm gearing up for it! Am I … (2 comments)
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home: As the Donald would say, "You're Fired!!" - 10/25/06 01:16 PM
I was reading the Orange County, California Register this morning and it said that there are going to be some major changes in the Mortgage business. Countrywide is claiming that it will let go of 2,500 employees by the end of the year and Ameriquest, who is well known in California, … (1 comments)
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home: Property Auctions - 10/25/06 12:57 PM
I have been seeing alot of talk lately about properties going on auction. What use to be a place for foreclosures and trustee sales is now becoming mainstream for home sellers as a method to eliminate time restrictions. Coldwell Banker just signed a nationwide contract with a major auctioneer, making their properties … (1 comments)
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home: First time home buyers - 10/25/06 11:23 AM
When you are buying a home for the first time, the amount of new information in the marketplace can seem overwhelming. Since finance and real estate markets are changing constantly I will walk you through the process step by step to make sure nothing gets overlooked, including opportunities available only to … (0 comments)
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home: Rising home prices fuel retail shopping spree - 10/24/06 11:25 PM
Canadian consumers are looking a lot like Americans these days, borrowing against their houses to fund their substantial shopping sprees.
Personal lines of credit are surging as house prices rise, and household credit is growing at double-digit rates. But analysts say the similarities with U.S. consumers end there.
While retail sales in Canada … (0 comments)
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home: JACARANDA LAKES ENCLAVE HOME FOR SALE ON PLANTATION, FLORIDA - 10/24/06 09:02 AM
REMODELED SPACIOUS 4 BED/2.5 BATH ESTATE IN GATED ENCLAVE SUBD. OF JACARANDA LAKES. FEATURES OVERSIZED LOT, HURRICANE SHUTTERS, OPEN FLOOR-PLAN, VAULTED CEILINGS, NEW UPGRADED KITCHEN W/ GRANITE COUNTERTOPS & CUSTUM WOOD CABINETS W/ UPGRADES, NEW APPLIANCES, OVERSIZED CERAMIC TILE & LAMINATE WOOD FLOORS. ADDT'L FEATURES INCLUDE NEW ROOF, NEW DIAMOND BRITE … (0 comments)
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home: Buying a new home? - 10/23/06 06:13 PM
Buying your home is a very exciting time, whether it's your first home or your retirement dream home. A home is one of the biggest purchases of your life and you have a lot of questions about the home buying process. We'll spend time sitting with you, discussing your needs, explaining … (4 comments)
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home: Home Buyers Face Decisions - 10/23/06 12:42 PM
Seek a Qualified Mortgage Consultant to Ensure the Best ResultsHome Buyers Face Decisions that Affect Their Long-Term Financial Picture By Chuck Walden, PresidentSignature Lending Group, Inc Atlanta, GA – Taking the step into home ownership is one of the most important financial decisions a person will make in their lifetime. There are many … (0 comments)
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home: Speaking in front of large audiences... - 10/22/06 03:27 PM
I've been asked to speak/mc at various events with audiences ranging from 30 - 500 people and have done this over a dozen times. I've always been told that I did a great job and always asked back, except for once when I offended 3/4 of the audience. Hehe I thought the joke … (16 comments)
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home: "My Happy Home" 2007 Contest "UPDATE" - 10/22/06 03:14 PM
"My Happy Home" 2007 Contest "UPDATE"I posted about a month ago on how great of an idea this was for us on both the Foundation and Real Estate side to do these Calendars for the kids.
There were 3,000 plus students who entered our calendar contest! All entries were fabulous but we … (7 comments)
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home: Financial Literacy Event - 10/21/06 06:31 PM
We just finished our Financial Literacy Event on the Chico State campus and I feel that it was a success. We went through several topics, to include:
Credit Reports
Utilizing Credit
Investing
The Time Value of Money
Starting a Business
We conducted the seminar for the college students at California State University Chico as a way to … (4 comments)
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home: What's your favorite "Home" TV show??? - 10/21/06 03:48 PM
There are so many television shows geared toward homes, decorating, selling, flipping, makeovers, basically you name it, television will have it. House HuntersHouse WorthFlip this houseOpen HouseDesigned to SellHow many people actually watch these shows? Do you think they portray the housing market, real estate, and realtors fairly? Curious to see what everyone … (10 comments)
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home: Love Thy Neighborhood - 10/21/06 02:30 AM
We just moved into a new community and it has been an amazing experience so far. The vibe that you get off of a new development can be pretty cool! The home is a "starter home community", with new young families that are in the same boat as us. New mommies … (1 comments)
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home: GETTING THE HOUSE READY TO SELL; "STAGING" YOUR HOME - 10/20/06 09:44 PM
So, you’ve made the decision to sell your property sometime in the relatively near future—what’s next? We suggest that you start thinking of your house as a marketable commodity, and, although it may be difficult to do, attempt to remove emotion from the selling equation. Your goal is to get others … (0 comments)
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home: St. Joseph - Any Success? - 10/20/06 10:50 AM
Several agents in my office recently bought a stash of the St. Joseph statues for placing on/in their listings that haven't sold.
He comes with paperwork, that includes an introduction to the "Saint Joseph Home Sale Practice", and a "Prayer to St. Joseph".
Over the years, I have heard all kinds of things … (10 comments)
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home: Crossing the Line - 10/20/06 02:17 AM
I've learned over the course of time that the entire Real Estate process, whether a person is purchasing, selling or refinancing a home has many emotions on the table. Sometimes, clients will get frusterated with the performance of an agent or loan officer and crosses the line with you. How so? … (2 comments)
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home: Signing Loan Docs - 10/19/06 01:08 PM
I'm sure both consumers and Real Estate professionals can identify with this topic, "Signing Loan Documents!"Have you ever looked through an entire set of disclosures and gotten lost on sentence 2? I believe that the documents are designed in such a way that they know by human nature, you won't read through … (1 comments)
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home: FREE MORTGAGE INFO - 10/19/06 01:00 PM
THE HOME TEAM at Excel Funding is dedicated to educating consumers, not pulling the wool over people’s eyes to turn a quick buck. That is why we are pleased to announce that we will now offer a FREE E-NEWSLETTER to anyone interested in learning about home loans. This newsletter will offer … (0 comments)
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home: The Family - 10/19/06 12:04 PM
This blog has nothing to do with Real Estate, but, it's my way of letting people know that I'm an actual human and not just a Real Estate, blogging robot. Or even better than that, a Real Estate Professional that pays someone else good money to blog for them. Imagine that, … (2 comments)
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home: Credit Problems? Were you refused a mortgage from your bank? - 10/19/06 11:14 AM
It's not the end!It doesn't feel good to be turned down but there is no need to be embarrassed or disheartened. Most consumers are not aware they can purchase or refinance a home even if they have had problems with credit in the past or present. Don't let past problems hold … (0 comments)
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home: How big is too big for a "For Sale" sign? - 10/18/06 10:11 PM
How about 12' tall? This gentleman in BELLEAIR BEACH, Fla is facing a $250.00 a day fine if he doesn't repaint his roof soon. The city says he violated the city's advertising sign ordinance which limits signs to "one small, carefully defined "for sale" or "for rent" sign, usually in the … (5 comments)
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home: Custom Designed Home with Pond & Stream Plus 40X60 Outbuilding! - 10/18/06 09:45 PM
Enjoy one floor living in the custom rebuilt ranch home with gourmet kitchen, custom woodwork thoughout... Hand Layed Stone Fireplace in Family Room Open to Kitechn Plus 40X60 Workshop in Separate Building!On over 8 acres for only $649,000! visit www.HouseWebTour.com/2286031 … (0 comments)
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home: House price appreciation across Canada to slow as more listings come on stream in 2007, says RE/MAX - 10/18/06 11:30 AM
Home buyers across the country will breathe a sigh of relief in 2007, thanks to a nationwide influx of new listings that is expected to slow price appreciation in major Canadian centres, says a report released today by RE/MAX.The RE/MAX Housing Market Outlook 2007 found that while the number of homes … (0 comments)
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home: AIG United Guaranty - Launch into the Canadian Marketplace - 10/18/06 10:47 AM
AIG UNITED GUARANTY CANADA UNVEILS PRODUCT LINE-UP Mortgage Insurer Launches New Line of Mortgage Insurance Products TORONTO – AIG United Guaranty1 Mortgage Insurance Company Canada, which provides mortgage guaranty insurance designed to increase home ownership, has introduced a product lineup that includes new Mortgage Insurance options as well as enhanced … (0 comments)
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home: New enhancements Welcome to Canada program - 10/17/06 10:03 AM
We are pleased to announce enhancements to our residential mortgage financing policies relating to the following: · New immigrants taking up permanent residence in Canada up to 65% not qualified, 75% qualified and 95% insured. · Temporary residents who are in Canada on work visas … (0 comments)
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home: Housing activity most balanced in five years - 10/16/06 10:53 PM
Signs that Canada's housing market is in for a “soft landing” are building as the furious pace of activity in the housing market gives way to the most balanced conditions in more than five years, according to the Canadian Real Estate Association.
Although sales activity as measured through the Multiple Listing Service … (0 comments)
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home: How much House can you BuY? Before you Buy? - 10/16/06 08:12 PM
My sister and her new husband just bought their first home about a year ago and recently I was talking to her about some updates my wife and I are doing on our home.
She responded by saying that she wasn't prepared for how much money goes into home ownership.
We went … (2 comments)
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home: Market Update For Monday 10/16 - 10/16/06 03:05 PM
Mon Oct 16th Market DirectionRates areMoving slightly lower Rate VolatilityLow Interest Rate TrendsLong Term (4-6 weeks)Up Short Term (1-2 weeks)FlatMortgage Point ChangeSecurityChange30 Year Fixed-.115 Year Fixed-.1 U.S. Treasury RatesSecurityChangeYield30 YR Bond-.024.91%10 YR Note-.024.78%National Average Mortgage RatesWeek Ending Oct 12 2006 12:00AMMortgageRatePoints30 Year Fixed6.37%.515 Year Fixed6.06%.51 Year Adjustable5.56%.7Key Interest Rates1 Year T-Bill4.9%11th District COFI4.18%Prime … (0 comments)
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home: Why a Broker - 10/16/06 10:45 AM
Why use a Mortgage Broker?
Given that taking out a mortgage is one of the most important financial decisions the average person will ever make, why is it that most people in Canada spend more time shopping for their next pair of shoes than they do looking for a mortgage? In … (2 comments)
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home: So What Good Is a REALTOR® Anyway? - 10/16/06 08:20 AM
Only real estate licensees who are members of the NATIONAL ASSOCIATION OF REALTORS® are to be called REALTORS®. REALTORS® honor and abide by a strict code of ethics.Typical real estate transactions in Douglas County average around $184,000. Wouldn’t it be best to put a REALTOR® to work for you who has … (0 comments)
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