The Real Deal About Real Estate.........Really

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Real Estate Broker/Owner - Maui Life Homes / Metro Life Homes - RS-78439 / BRE #01708344

ARCHIVED BLOG POSTS

2009 

I am quite sure that this has been floating around the internet for a while, and that I have seen it before, but when I just got it in an email from a friend, I thought that it should be passed on some more. Hope that every one has a "garbage free" day!!  One day I hopped in a taxi and we took of...
11/29/2009
Take a look at FHA 5/1 ARM rates below, as those rates are at 3.5% for all loans up to $729,750 This is amazing!  It can be a very attractive alternative for FHA buyers.   Conventional Loans: 30 Year Fixed Conforming---$417,000 and Below: 4.75% with 1 Point 30 Year Fixed High Balance Conforming--...
11/29/2009
Under the American Recovery and Reinvestment Act of 2009, qualified first-time homebuyers may receive a tax credit up to $8,000. Tax Credit for First-Time Homebuyers President Obama’s bill extends this program into 2010. • Eligible for homes with purchase agreements signed by April 30, 2010, and ...
11/29/2009
As you may have read, Dubai has asked it's creditors for a temporary stay from it's debts in order to re-liquify it's financial position. From what I've read about the crisis in Dubai, it seems to be a result of the regions over-extension of leveraging in it's attempt to develop itself too quickl...
11/29/2009
I have a client now, and have had clients in the past, who want to know whether or not they should pay points to buy down their loan.  First of all, let me say that I'm not a mortgage broker, and don't pretend to do lending.  I believe I should do what I do best, and let other professionals do wh...
11/29/2009
It seems that the federal reserve's trillion dollar purchase program of mortgage-backed securites has pushed the mortgage rates a little lower than they would normally be. I think that was the intent, and it's great for current buyers to be able to get into homes more affordably. But the federal ...
11/29/2009
Another dilemma in the life of Ralph the Realtor. If you're a vegetarian, what is the proper protocol as far as food you serve at your gatherings and dinner parties? I mean, you want everyone to feel comfortable, happy, and enjoy themselves right? But are you compromising yourself by serving meat...
11/22/2009
Nice, quiet complex. 2 bedroom, 2 bath 2-car private attached garage with direct access. Private patio with built-in barbecue. Nice master bedroom with vaulted ceiling and huge cedar-lined walk-in closet. 1 small pet OK with pet deposit $1300 per month.  Total Move-in = $2600 (plus pet deposit) P...
11/21/2009
After analyzing my past and current short sales for patterns I've noticed with the banks, I've come to the conclusion that they are up to something. It's not making sense that organizations that have the ability to put something into action within a matter of weeks (like notifying credit card hol...
11/19/2009
My local board just sponsored a seminar that was hosted by Wachovia Bank last week. Wachovia explained their new streamlined short sale process. It's AMAZING! They have a 60-day guarantee closing, and they even offer a small amount of cash to the owner if they vacate the home by a certain date, A...
11/16/2009
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Ralph Gorgoglione

Hawaii and California Real Estate (310) 497-9407
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