san ramon real estate: New FHA Condo Guidelines Are Here - 12/01/09 04:52 PM
FHA has just issued a new Mortgagee Letter spelling out the new guidelines on condominiums. They are as follows:SPOT APPROVALS: Due to the volatility of the condo market, FHA will allow spot approvals until February 1, 2010.CURRENTLY APPROVED CONDOS: All currently approved projects stay on the list with these future … (0 comments)
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san ramon real estate: Tax Credit Extention Update - 10/24/09 04:47 PM
NAR is stepping up pressure on Congress to extend the $8,000 home buyer tax credit. Their strategy includes a nation-wide call-for-action which more than 450,000 REALTORS® have answered by either calling or emailing their elected officials. NAR is also placing ads in Washington D.C. newspapers and on the Wall Street Journal, New York … (4 comments)
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san ramon real estate: NAR Clears the Air on Energy Act - 07/03/09 05:35 PM
On Friday, June 26 the House passed HR 2454, the American Clean Energy and Security Act. Thanks to NAR's efforts an energy efficiency labeling program will be limited to new construction only. The legislation also includes incentives for homeowners to make their properties more energy efficient.
Media coverage of this legislation has raised … (0 comments)
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san ramon real estate: How Much Water Do You Use? - 05/25/09 04:07 PM
Use these green tips for keeping your landscaping (and watering) on the eco-friendly side!Just one leaky faucet or spigot can waste approximately 2,000 gallons of water each year. Repair or replace old or damaged fixtures indoors or outdoors. If you suspect a leak, try this method to help you verify … (2 comments)
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san ramon real estate: Happy 90th Birthday Dad.... - 05/25/09 03:52 PM
Today my father turns 90 as we celebrate Memorial Day. He is a World War II veteran and proud of it as he served in Europe from 1941 thru 1945.
He was a good dad growing up teaching us the values of right and wrong, treating others as we … (1 comments)
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san ramon real estate: So How Do I Get a Larger Tax Refund? - 04/04/09 09:56 PM
No one ever wants to pay more taxes than necessary, but this year it's even more important to save every penny you can. Here are some tips that can help you get a larger refund:
Property Tax Deduction for Non-Itemizers: Before 2008, only people who itemized their deductions … (0 comments)
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san ramon real estate: C.A.R. Launches Mortgage Protection Program - 04/04/09 09:41 PM
Considering Moving to the East Bay? ~ Do you want to Buy or Sell a home?
Do you have clients with needs in the East Bay?
Search East Bay Area Properties
Visit my website at http://pamwinterbauer.com
… (2 comments)
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san ramon real estate: Federal Budget Proposals Preserve Mortgage Interest Deduction - 04/04/09 09:26 PM
On Monday, March 30, NAR announced that budget resolutions passed by both the House and Senate do not include any changes to to the Mortgage Interest Deduction. Earlier this year, President Obama had suggested modifying the Mortgage Interest Deduction as a way to generate additional tax revenue to pay for health care … (1 comments)
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san ramon real estate: Homeowner Affordability and Stability Plan - 03/07/09 08:14 PM
On Wednesday, March 4, the U.S. Treasury Department announced refinance and mortgage modification guidelines as part of the new "Making Home Affordable" program.
Home Affordable Refinance program: This foreclosure prevention program is aimed at homeowners who have mortgages held by either Fannie Mae or Freddie Mac who are unable to refinance … (0 comments)
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san ramon real estate: Highlights of some new tax changes for 2009 - 02/18/09 01:40 PM
I had the opportunity to breakdown some of the new tax law changes that may have an effect for 2009. As always, please consult with you CPA or accountant for advise.
Plug-in Electric Vehicle Credit ~ For vehicles bought after February 17, 2009 and before January 1, 2012, a 10% … (3 comments)
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san ramon real estate: Appliance Overload - 02/09/09 05:52 PM
When shopping for new appliances, remember that looks aren't everything. Features, capacity and energy-efficiency are important factors as well.
Before buying a new appliance, keep track of your appliance usage for one week. For example, note the number and size of your laundry loads, what items you reach … (4 comments)
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san ramon real estate: Happy New Years to all ................. - 01/01/09 07:10 PM
Happy New Years to all my Active Rain friends and I wish you all a fabulous 2009!
Considering Moving to the East Bay? ~ Do you want to Buy or Sell a home?
Do you have clients with needs in the East Bay?
Search East Bay Area Properties
Visit … (4 comments)
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san ramon real estate: Year End Housekeeping - 12/06/08 06:50 PM
As we approach the end of the year December can be one of the busiest times of the year. There is decorating for the holidays, shopping for the kids, traveling to see the relatives and enjoying the festivities, this month can fly by like no other. Be sure to take a … (1 comments)
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san ramon real estate: Save Money ~ Green Energy Tips for Winter - 12/05/08 04:10 PM
Adjust your thermostat ~ Lowering the temperature in your home by just one degree in the winter can save you three percent on your heating bill. Make it automatic by investing in a programmable thermostat (about $30).
Embrace the cold cycle ~ Washing your clothes in cold water not only preserves … (4 comments)
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san ramon real estate: The Making of a Gingerbread House - 11/29/08 10:42 PM
Well today's a first for me and a three year old. The memorable Gingerbread House!
It took four generations of women to construct this one and I must say the eldest of the four was certainly trained and tacked this project with a vengance. The little one ending up taking … (3 comments)
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san ramon real estate: Protect Your Credit During the Holiday Season - 11/22/08 11:18 PM
With the economy slowing and holidays just around the corner, many consumers may be looking to credit cards to help them get through the heavy shopping season. While that may be a good short-term solution, you want to make sure you don't overlook the long-term impact on your credit rating. After … (2 comments)
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san ramon real estate: HUD Releases New RESPA Rules - 11/21/08 11:57 PM
Late last week, the U.S. Department of Housing and Urban Development (HUD) released the long-awaited revisions to the Real Estate Settlement Procedures Act regulations. Among the changes are expanded Good Faith Estimate (GFE) and requirements and HUD-1 statement.
One change that would have required agents to read a script to their clients … (7 comments)
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san ramon real estate: Fannie and Freddie to Suspend Foreclosure Sales - 11/21/08 11:54 PM
On Thursday, both Fannie Mae and Freddie Mac issued press releases stating they would suspend the eviction of occupants and the sale of properties financed with mortgages in foreclosure until January 2009.
According to Fannie Mae, the halt in foreclosure sales is to allow its mortgage modification program, scheduled to launch … (1 comments)
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san ramon real estate: Tips for Finding a Job in Tough Markets - 11/21/08 11:27 PM
Finding a job during tough economic times doesn't have to be tough...if you know which strategies work. Here are some tips for beating the odds:
Take Networking to the Next Level: Networking is always a great job strategy, but in the current economic climate, you need to go a step beyond … (0 comments)
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san ramon real estate: To Help Stay Healthy, Start Following These Quick Tips Now - 11/21/08 11:22 PM
With Thanksgiving fast approaching, fall is in full swing. And that means we'll soon be gathering with family and friends to share the joy of the holiday season. But instead of just passing mashed potatoes and stuffing at the dinner table, we may also be passing around something else... the … (0 comments)
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