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team results: Upside Down!? Selling your home for less than your mortgage. - 07/08/07 03:37 PM
When homeowner's fall behind in their mortgage payments or foresee a future problem looming, the decision has to be made whether to sell the home or try a ‘work-out'. Failing that means the possibility for a costly, messy, and humiliating foreclosure becomes more likely. There are a couple of things to consider when facing this or similar situations. First if, as the homeowner, you absolutely want to keep the house you'll have to be able to prove that you can afford the payments. That means doing a budget, a cash flow statement, and providing supporting documents like Tax returns and pay stubs. (0 comments)
team results: UCLA's Anderson Report - 06/19/07 06:31 PM
UCLA released today, the quarterly "Anderson Report", an economic forecast for California's overall economic health. The key points in today's report are: 1.) Housing sales are expected to be slightly down or flat through next year, a trend we're already seeing in some markets. 2.) The impact of this real estate downturn had been and presumably continue to have little effect on the rest of California's economy. 3.) A marginal slowing of job growth has sparked the slightest increase in unemployment. Real Estate related job losses have been in the mortgage business where dozens of companies have gone out of business or filed for (0 comments)
team results: New-Home Sales Up in Southern California - 06/09/07 04:34 PM
New-home sales increased this month in Los Angeles, Orange and San Diego Counties according to an industry report this Friday. According to the report, new-home prices rose year over year in Los Angles, and San Diego counties. These are also the areas in Southern California where builders are more likely to offer non-monetary incentives instead of discounts off sales price. The new-home median in LA County rose 5.7% from this time last year, contrasted by Riverside County's 4% decline since last April. Patrick Duffy, director of a Costa Mesa research firm said to the Los Angeles Times, "In general, it's those areas (1 comments)
team results: Country Club Living that won't break the bank! - 06/04/07 04:49 PM
4443 Levelside Ave, Lakewood, CA 90712 Open House Every Saturday & Sunday, 12-5 pm. 2 Bedroom, 1 Bathroom House 1,026 Square Feet $479,000 Offered by TeamResults. Attractive home in the Lakewood Mutuals with some unique features. There are beautiful hardwood floors and a raised dinig area. Living room has a fireplace and a view of a private enclosed, outdoor garden. Grounds have been landscaped and well maintained. There are dimmers on the recessed lighting. Inside laundry. Home is a great starter home near to schools, shopping, entertainment and transportation. All appliances included. One of the few remaining affordable starter homes in Lakewood; Adjacent to Lakewood Country (1 comments)
team results: Everything you ever wanted to know about real estate but were afraid to ask: Home Inspection - 05/25/07 10:04 AM
Hiring a home inspector before purchasing a house, condo, or newly builthome can sheild buyers from unknown problems arising from faulty, or damaged systems. The relatively low cost of hiring a qualified home inspector pales when compared to protecting a large investment. When considering which inspector to hire consider their experience, professionalism, and industry associations. Your inspector should be a member in good standing with organizations like CREIA, CCI, and RHI. These are trade assocations which require members to maintain a quality work ethic and engage in continuing education programs. Don't forget to ask about licensing & insurance when interviewing potential inspectors. Your (4 comments)
team results: Some staging tips, and tricks to sell your home faster - 05/07/07 04:06 PM
Have you heard the buzz about staged homes? They're out there and they are just one more handy thing in our home-selling toolbox. Its true that a staged home often will sell faster and many times get higher premium that at least covers the cost of staging. When staging just isn't cost effective or for one reason or another not a viable option, there are tricks you can do to get many of the benefits of a staged home. First and foremost, its imperative that as a homeowner you take a step back and detach your emotional connection to your home. I (0 comments)
team results: Mortgage Scam: Warning - 05/02/07 09:22 AM
I've just been made aware of an ugly scam that is affecting a lot of people in Southern California and other places. This is an insidious scam that takes advantage of the turbulent finance environment. Consumer advocates and Mortgage Brokers (the reputible ones) are warning of this fraud where someone, under a false company or individual comes along and claims to be the new servicer of a borrowers loan. The new party will collect as many payments as possible before being discovered and then move on. Borrowers can loose a lot of money to this scam while at the same time, may (6 comments)
team results: California's real estate marketplace. - 04/30/07 03:53 PM
Some good news for the California Real Estate Market: Almost 40,000 homes were sold last month, an increase of nearly 30% over the previous month. The median price is up 3.0 from last year and the average mortgage payment was 2,230 last month. According to DataQuick, foreclosure activity is still rising but still within the normal range. Financing with adjustable rate mortgages has fallen significantly, while absentee owner acquisition has only slowed slightly along with house flipping activity. Overall I think the market truly is correcting and is strong. If you ask me whether it's a buyer's or seller's market really depends on (0 comments)
team results: Everything you ever wanted to know about real estate but were afraid to ask. Options - 04/27/07 10:26 AM
In exchange for something of value (consideration) the right given to a party (optionee) by the owner of a property (optionor), to purchase or lease property within a specified time. The option is a pre-arranged, written agreement between an owner and a prospective buyer that states the right to purchase a property at a fixed price and within a specified time frame. Because the option will become the sales agreement, all terms should be clearly defined, and spelled-out. A prospective buyer generally pays an option fee in advance to the owner in exchange for the right to exercise the option. How this works (0 comments)
team results: Missed out on your chance to own? - 04/24/07 12:06 PM
Do you think you've lost your chance to own a home in Long Beach? I'm here to tell you not to give up yet. There are programs in place for first time homebuyers that help you own your own house or condo. These programs are sponsored by the California Housing Finance Agency. There are numerous properties that qualify and anyone who meets the qualifications can apply. In Los Angeles County a 3 person + household with up to 103,600 income can qualify for CalHFA's 40 year mortgage, a fixed rate conventional mortgage for up to 100% of the purchase price. There are (0 comments)
team results: Don’t want to pay Capital Gains? There is a way. - 04/21/07 01:43 PM
Within the last 2 years, the IRS has been allowing taxpayers to mix the rules applied to the sale of their principal residence and those of IRC 1031 tax deferred exchanges. A welcome turn in this market where homes values have skyrocketed upward and produced gains well above the current $250,000/$500,000 capital gains tax exclusions afforded by the IRS. If you don't know already, the IRS allows a seller to exclude from capital gains taxes, upto $250,000 from the sale of his principal residence if he's lived in it for 2 of the last 5 years. ($500,000 if married) Any amount over (1 comments)
team results: What's happening with home sales in Long Beach? - 04/16/07 02:42 PM
In March, 2007 there were 239 single family residences sold in Long Beach. The number of Condo units sold was much lower at 72. The median price of condos dropped in every area except neighborhoods in the 90807 and 90808 zip codes which saw increases. The biggest drop was a 28.4% decline in median sale price in the 90814 zip code. In single family residences, homes in 90813 saw an increase of 14.6% in their median sale price. Declines in the single family market as whole were marginal except a 10.2% decline in 90806 zip code. That zone also saw the 2nd largest (0 comments)
team results: California: Median Price Goes Up. - 04/13/07 02:43 PM
Southern California's median price continued its upward movement, cresting the Half-Million Mark. The median has risen nearly 5% since this time last year, for the 6 county area. The median price is the middle price of resale home's where half are sold for more than the middle price, and the other half are sold for less. The median in Los Angeles county is holding its own at $540,000, up 6.3% since this time last year. Orange county is ahead at $629,000 a modest increase of .06 since March 2006. Statewide; 39,800 new and resale homes were sold last month, including SFR and Condos, up 27.5% from the month prior. (0 comments)
team results: Everything you ever wanted to know about Real Estate but were afraid to ask: Reverse Mortgage. - 04/12/07 04:49 PM
A reverse mortgage is a way to borrow money against the equity in your home to provide you with tax-free income. You can receive funds in any number of ways including: Lump sumRegular monthly payments for as long as you live (or reside in your home)Monthly payments with a pre-determined cut off dateA line of credit to draw on when you need itor a Combination of theseA reverse mortgage can enable you to enjoy retirement more, provide some financial cushioning for future emergencies or major expenses, while, allowing you to remain in your home and keep title to it. Being more complicated (4 comments)
team results: Smooth Loan Approval - 04/05/07 02:48 AM
When making offers to purchase a home, any delay in your approval process could mean a lost deal. Here we've listed 5 Do's and 5 Dont's to help avoid delays in your loan approval. Do's 1. Continue making mortgage or rent payments2. Keep working at your current employer(s)3. Continue living at your current residence4. Use your credit as "Normal"5. Stay current on all existing credit accounts Dont's 1. Apply for new credit (even if pre-approved)2. Change Bank Accounts3. Open a new cell phone account4. Close any credit accounts5. Take out a new loan Always consult your mortgage planner before making financial decisions while your loan approval (2 comments)
team results: Going it Alone: For Sale By Owner - 04/05/07 02:41 AM
With all the real estate information available to homeowners, its natural that some would decide to ‘go it alone' when selling their home. The primary advantage of selling without an agent is not having to pay the agent's commission. In addition to any potential savings, a homeowner turned FSBO should consider the following in order to increase the chance of a successful sale. First and foremost, its not easy, and you should be prepared to get a little dirty and put in some long hours. Before doing anything, the house needs to be in shape for showing. That means, making sure its clean (0 comments)
team results: Real Estate & the Economy - 04/01/07 04:41 PM
Business Week televised a couple of good items about the real estate industry as a whole yesterday. Their video can be seen here: http://feedroom.businessweek.com/index.jsp?fr_story=1164424c0c16afd06ab22f7edc11e1b8de2f5ab5 I've pulled information from other current videos as well. Some of the bullet points I thought were important are: Buyers still have an edge in real estate. Seller's are becoming more flexible and responsive to buyers' terms. It was specifically pointed out that buyer's who low-balling the selling price won't produce the desired result and indicated that 10% below asking was a reasonable price reduction to request. Seller's can increase their returns by upgrading with environmentally friendly improvements. Shown by the (0 comments)
team results: PMI and TAX savings - 03/30/07 04:56 PM
A long awaited law makes PMI (private mortgage insurance) deductible on homeowner's taxes. Homes that are purchased or have been refinanced in 2007 are eligible for this deduction. PMI is an insurance policy on most home loans that carry less than 80% LTV (loan-to-value). The policy covers the lender against loss in the even of borrower default. Many homeowners consider PMI to be frivolous and excessive; of course anything that increases housing cost doesn't exactly instill a warm, fuzzy feeling in those paying them. This new deduction at the least softens the blow for many. Also, as a reminder - Most PMI can be (2 comments)
team results: New Website - 03/28/07 07:09 PM
My team and I are working on a new website. www.teamresults21.com, Still in the planning stages - we hope to make it the online source for Long Beach real estate. Most agents have personal web pages, and in this day and age having one is essential to staying in business. I've had websites and web pages since the days of per minute dial up access charges, and from those ventures, I've learned a few things. So here's what we're doing... Keeping it simple. Having dynamic and current content. Keeping communication easy, fast, and effective. soon our clients will be able to log in, and view their transaction (0 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.