Shannon Anderson Short Sale Agent for San Diego, CA. Posts http://realestateproteam.com Home buying and selling information and Foreclosure alternatives Sun, 20 May 2012 18:40:09 +0000 http://wordpress.org/?v=3.0.1 en San Jose Short Sale Question: Do I Need To Disclose Anything Wrong With My House? http://inside-real-estate.com/guiseppematese/2012/05/20/san-jose-short-sale-question-do-i-need-to-disclose-anything-wrong-with-my-house/ http://inside-real-estate.com/guiseppematese/2012/05/20/san-jose-short-sale-question-do-i-need-to-disclose-anything-wrong-with-my-house/#comments Sun, 20 May 2012 18:40:09 +0000 Guiseppe Matese http://inside-real-estate.com/guiseppematese/2012/05/20/san-jose-short-sale-question-do-i-need-to-disclose-anything-wrong-with-my-house/ San Jose CA – The Stop Foreclosure Institute recently received a question from Will. Here was his question. “I am thinking of short selling my house. There are some problems with the house. I know that most home buyers get a home inspected before they buy it. Do I have to tell them about the problems? Or, should I leave them for the inspector to find? Will.” Click here to discover how other sellers successfully did a short sale and avoided foreclosure. Here was our answer. Will, we would disclose everything to the home buyers. It doesn’t do you any good to hide any problems. The inspector will probably find them. But, if any are missed, then the buyers could sue you later on for damages. I don’t know all the legal ramifications. In my opinion, they could sue you for hiding a problem that you knew about. Who needs more legal problems? Besides, even if the house sells for less money as a result of the problems, then your lender will take the loss. Remember, in most cases you can’t make any money off of the short sale. And even if you do, that amount will probably not change if your home sells for a lower value. Your lender would have to factor those problems into the price it could get if it was selling the home after a foreclosure. Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail at sccrealestateprofessionals@yahoo.com. I will contact you for a free consultation. When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (408) 292-0486 Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. Thinking about a loan modification? Our San Jose loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy. Thanks for reading this, Guiseppe Matese. Guiseppe is a Real Estate Agent at RE/MAX Santa Clara Valley. Phone: (408) 292-0486. sccrealestateprofessionals@yahoo.com. Helping San Jose Families Avoid Foreclosure Click here to view my homes for sale at www.AvoidMySanJoseForeclosures.com. Guiseppe Matese specializes in loan modification assistance and short sales in San Jose California. San Jose Short Sales. San Jose Loan Modification Help. San Jose Short Sale Realtor. San Jose CA Short Sales. San Jose Realtor. Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved. This information on San Jose Short Sale Question: Do I Need To Disclose Anything Wrong With My House? is provided as a courtesy to our viewers to help them make informed decisions. ]]> San Jose CA – The Stop Foreclosure Institute recently received a question from Will. Here was his question. “I am thinking of short selling my house. There are some problems with the house. I know that most home buyers get a home inspected before they buy it. Do I have to tell them about the problems? Or, should I leave them for the inspector to find? Will.” Click here to discover how other sellers successfully did a short sale and avoided foreclosure. Here was our answer. Will, we would disclose everything to the home buyers. It doesn’t do you any good to hide any problems. The inspector will probably find them. But, if any are missed, then the buyers could sue you later on for damages. I don’t know all the legal ramifications. In my opinion, they could sue you for hiding a problem that you knew about. Who needs more legal problems? Besides, even if the house sells for less money as a result of the problems, then your lender will take the loss. Remember, in most cases you can’t make any money off of the short sale. And even if you do, that amount will probably not change if your home sells for a lower value. Your lender would have to factor those problems into the price it could get if it was selling the home after a foreclosure. Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail at sccrealestateprofessionals@yahoo.com. I will contact you for a free consultation. When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (408) 292-0486 Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. Thinking about a loan modification? Our San Jose loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy. Thanks for reading this, Guiseppe Matese. Guiseppe is a Real Estate Agent at RE/MAX Santa Clara Valley. Phone: (408) 292-0486. sccrealestateprofessionals@yahoo.com. Helping San Jose Families Avoid Foreclosure Click here to view my homes for sale at www.AvoidMySanJoseForeclosures.com. Guiseppe Matese specializes in loan modification assistance and short sales in San Jose California. San Jose Short Sales. San Jose Loan Modification Help. San Jose Short Sale Realtor. San Jose CA Short Sales. San Jose Realtor. Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved. This information on San Jose Short Sale Question: Do I Need To Disclose Anything Wrong With My House? is provided as a courtesy to our viewers to help them make informed decisions. ]]> http://inside-real-estate.com/guiseppematese/2012/05/20/san-jose-short-sale-question-do-i-need-to-disclose-anything-wrong-with-my-house/feed/ 882 Home Prices Up - Inventory Down ! http://inside-real-estate.com/bryanschaefer/2012/05/20/home-prices-up-way-up/ http://inside-real-estate.com/bryanschaefer/2012/05/20/home-prices-up-way-up/#comments Sun, 20 May 2012 18:36:50 +0000 Bryan Schaefer http://inside-real-estate.com/bryanschaefer/2012/05/20/home-prices-up-way-up/ Home Prices up Nationally & Way up in South Florida.  Florida Leads the way in Housing Recovery!   NAR: 1Q sales up, inventory down WASHINGTON – May 9, 2012 – Median existing single-family home prices are firming in many metropolitan areas, while improving sales and declining inventory are creating more balanced conditions, according to the latest quarterly report by the National Association of Realtors® (NAR). The median existing single-family home price rose in 74 out of 146 (59 percent) of metropolitan statistical areas (MSAs) in first quarter 2012 compared to the same quarter in 2011; 72 areas had price declines. Only one quarter earlier – the fourth quarter of 2011 – only 29 areas (20 percent) had a year-over-year gain. The numbers are based on closings. “Home prices are more volatile than normal because of sudden upswings in buyer activity in some localities, and also are affected by the prevalence of distressed sales,” says Lawrence Yun, NAR chief economist. “Home prices lag sales activity because the transactions were negotiated mostly in the previous quarter. Given the steadily dwindling supply of inventory and notably higher listing prices that are being negotiated today, prices are expected to show further improvements in the near future.” Yun says housing inventory is a big part of the story. “We now have broad shortages of lower priced homes in much of the country, with very tight supply in Western states for homes through the middle price ranges,” he says. “This is good news for many sellers who wish to list now or for those waiting for prices to improve.” At the end of the first quarter, 2.37 million existing homes were available for sale – 21.8 percent below first quarter 2011 when 3.03 million homes were on the market. There has been a sustained downtrend since inventories set a record of 4.04 million in the summer of 2007. The national median existing single-family home price was $158,100 in the first quarter – 0.4 percent below $158,700 in the first quarter of 2011. The median is where half sold for more and half sold for less. Distressed homes – foreclosures and short sales that sold at deep discounts – accounted for 32 percent of first quarter sales; they were 38 percent a year earlier. Total existing-home sales, including single-family and condo, increased 4.7 percent to a seasonally adjusted annual rate of 4.57 million in the first quarter from a downwardly revised 4.37 million in the fourth quarter, and were 5.3 percent above the 4.34 million level during the first quarter of 2011 when sales spiked. “This is the highest first quarter sales pace since 2007,” Yun says. “With strong market fundamentals, total home sales this year should rise 7 to 10 percent.” NAR President Moe Veissi, broker-owner of Veissi & Associates Inc. in Miami, said there are more opportunities in today’s market. “Historically favorable housing affordability conditions are making it easier for buyers to enter the market despite the unnecessarily tight credit conditions,” he says. “Housing supply and demand are roughly balanced with overall housing supply at the lowest level in six years, putting sellers on an even footing with buyers in most markets.” “Qualifying incomes are well below median incomes in most of the country, which means home buyers generally can stay well within their means,” Yun says. “For example, a buyer in Indianapolis making a 10 percent downpayment would need an annual income of $24,000 to purchase a median-priced home, while in Seattle it would be $55,300. For now, buyers are facing an extraordinarily advantageous situation if they can obtain a mortgage.” The national median family income was $61,000 in the first quarter. However, to purchase a home at the national median price, a buyer making a 5 percent downpayment would only need a $34,700 income. With a 10 percent downpayment the required income would be $32,900, while with 20 percent down, the income drops to $29,300. First-time buyers purchased 33 percent of homes in the fourth quarter, unchanged from the fourth quarter; they were 32 percent in the first quarter of 2011. The share of all-cash home purchases in the first quarter was 32 percent, up from 29 percent in the fourth quarter; they were 33 percent in the first quarter of 2011. Investors, drawn by bargain prices and who make up the bulk of cash purchasers, accounted for 22 percent of all transactions in the first quarter, up from 19 percent in the fourth quarter; they were 21 percent a year ago. In the condo sector, metro area condominium and cooperative prices – covering changes in 52 metro areas – showed the national median existing-condo price was $157,200 in the first quarter, which is up 3.4 percent from the first quarter of 2011. Eighteen metros showed increases in their median condo price from a year ago and 34 areas had declines. Regionally, existing-home sales in the Northeast jumped 8.6 percent in the first quarter and are 6.6 percent above the first quarter of 2011. The median existing single-family home price in the Northeast declined 3.2 percent to $226,300 in the first quarter from a year ago. In the Midwest, existing-home sales rose 5.5 percent in the first quarter and are 11.7 percent higher than a year ago. The median existing single-family home price in the Midwest increased 0.8 percent to $125,300 in the first quarter from the same quarter in 2011. Existing-home sales in the South increased 2.1 percent in the first quarter and are 4.1 percent above the first quarter in 2011. The median existing single-family home price in the South rose 1.2 percent to $143,600 in the first quarter from a year earlier. Existing-home sales in the West rose 5.9 percent in the first quarter and are 1.4 percent higher than a year ago. The median existing single-family home price in the West slipped 0.9 percent to $196,200 in the first quarter from the first quarter of 2011. © 2012 Florida Realtors®]]> Home Prices up Nationally & Way up in South Florida.  Florida Leads the way in Housing Recovery!   NAR: 1Q sales up, inventory down WASHINGTON – May 9, 2012 – Median existing single-family home prices are firming in many metropolitan areas, while improving sales and declining inventory are creating more balanced conditions, according to the latest quarterly report by the National Association of Realtors® (NAR). The median existing single-family home price rose in 74 out of 146 (59 percent) of metropolitan statistical areas (MSAs) in first quarter 2012 compared to the same quarter in 2011; 72 areas had price declines. Only one quarter earlier – the fourth quarter of 2011 – only 29 areas (20 percent) had a year-over-year gain. The numbers are based on closings. “Home prices are more volatile than normal because of sudden upswings in buyer activity in some localities, and also are affected by the prevalence of distressed sales,” says Lawrence Yun, NAR chief economist. “Home prices lag sales activity because the transactions were negotiated mostly in the previous quarter. Given the steadily dwindling supply of inventory and notably higher listing prices that are being negotiated today, prices are expected to show further improvements in the near future.” Yun says housing inventory is a big part of the story. “We now have broad shortages of lower priced homes in much of the country, with very tight supply in Western states for homes through the middle price ranges,” he says. “This is good news for many sellers who wish to list now or for those waiting for prices to improve.” At the end of the first quarter, 2.37 million existing homes were available for sale – 21.8 percent below first quarter 2011 when 3.03 million homes were on the market. There has been a sustained downtrend since inventories set a record of 4.04 million in the summer of 2007. The national median existing single-family home price was $158,100 in the first quarter – 0.4 percent below $158,700 in the first quarter of 2011. The median is where half sold for more and half sold for less. Distressed homes – foreclosures and short sales that sold at deep discounts – accounted for 32 percent of first quarter sales; they were 38 percent a year earlier. Total existing-home sales, including single-family and condo, increased 4.7 percent to a seasonally adjusted annual rate of 4.57 million in the first quarter from a downwardly revised 4.37 million in the fourth quarter, and were 5.3 percent above the 4.34 million level during the first quarter of 2011 when sales spiked. “This is the highest first quarter sales pace since 2007,” Yun says. “With strong market fundamentals, total home sales this year should rise 7 to 10 percent.” NAR President Moe Veissi, broker-owner of Veissi & Associates Inc. in Miami, said there are more opportunities in today’s market. “Historically favorable housing affordability conditions are making it easier for buyers to enter the market despite the unnecessarily tight credit conditions,” he says. “Housing supply and demand are roughly balanced with overall housing supply at the lowest level in six years, putting sellers on an even footing with buyers in most markets.” “Qualifying incomes are well below median incomes in most of the country, which means home buyers generally can stay well within their means,” Yun says. “For example, a buyer in Indianapolis making a 10 percent downpayment would need an annual income of $24,000 to purchase a median-priced home, while in Seattle it would be $55,300. For now, buyers are facing an extraordinarily advantageous situation if they can obtain a mortgage.” The national median family income was $61,000 in the first quarter. However, to purchase a home at the national median price, a buyer making a 5 percent downpayment would only need a $34,700 income. With a 10 percent downpayment the required income would be $32,900, while with 20 percent down, the income drops to $29,300. First-time buyers purchased 33 percent of homes in the fourth quarter, unchanged from the fourth quarter; they were 32 percent in the first quarter of 2011. The share of all-cash home purchases in the first quarter was 32 percent, up from 29 percent in the fourth quarter; they were 33 percent in the first quarter of 2011. Investors, drawn by bargain prices and who make up the bulk of cash purchasers, accounted for 22 percent of all transactions in the first quarter, up from 19 percent in the fourth quarter; they were 21 percent a year ago. In the condo sector, metro area condominium and cooperative prices – covering changes in 52 metro areas – showed the national median existing-condo price was $157,200 in the first quarter, which is up 3.4 percent from the first quarter of 2011. Eighteen metros showed increases in their median condo price from a year ago and 34 areas had declines. Regionally, existing-home sales in the Northeast jumped 8.6 percent in the first quarter and are 6.6 percent above the first quarter of 2011. The median existing single-family home price in the Northeast declined 3.2 percent to $226,300 in the first quarter from a year ago. In the Midwest, existing-home sales rose 5.5 percent in the first quarter and are 11.7 percent higher than a year ago. The median existing single-family home price in the Midwest increased 0.8 percent to $125,300 in the first quarter from the same quarter in 2011. Existing-home sales in the South increased 2.1 percent in the first quarter and are 4.1 percent above the first quarter in 2011. The median existing single-family home price in the South rose 1.2 percent to $143,600 in the first quarter from a year earlier. Existing-home sales in the West rose 5.9 percent in the first quarter and are 1.4 percent higher than a year ago. The median existing single-family home price in the West slipped 0.9 percent to $196,200 in the first quarter from the first quarter of 2011. © 2012 Florida Realtors®]]> http://inside-real-estate.com/bryanschaefer/2012/05/20/home-prices-up-way-up/feed/ 1849 A Common San Jose Short Sale Myth: The Short Sale File Has To Be Perfect Before You Can Submit It To The Lender http://inside-real-estate.com/guiseppematese/2012/05/19/a-common-san-jose-short-sale-myth-the-short-sale-file-has-to-be-perfect-before-you-can-submit-it-to-the-lender/ http://inside-real-estate.com/guiseppematese/2012/05/19/a-common-san-jose-short-sale-myth-the-short-sale-file-has-to-be-perfect-before-you-can-submit-it-to-the-lender/#comments Sat, 19 May 2012 18:18:05 +0000 Guiseppe Matese http://inside-real-estate.com/guiseppematese/2012/05/19/a-common-san-jose-short-sale-myth-the-short-sale-file-has-to-be-perfect-before-you-can-submit-it-to-the-lender/ San Jose CA – Many agents think that a short sale lender will not look at a file until the short sale file is perfect. “I need your financial information, last 2 years of tax returns, last 2 pay stubs, last 2 month’s bank statements, and all the other short sale paperwork before I can submit the file”, they tell you. Click here to discover how other sellers successfully did a short sale and avoided foreclosure. A perfect short sale file does help. But, some agents think it will make the short sale process so much easier. But, even if the paperwork is perfect and submitted the lender will still want another piece of paperwork or want something modified. It’s just the nature of short sales. Lenders are always changing their policies and paperwork requirements. In some cases, they want the seller to fill out their financial statement form. In other cases, they want certain affidavits filled out and signed. No matter what, the requirements are always changing. It’s hard to hit a moving target. The best practice we have seen is to submit the paperwork you have and then wait to see if the lender needs any additional paperwork. When the short sale negotiator first looks at the file they will let you know what they need. You just need to make sure you get them that paperwork fairly quickly. Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail at sccrealestateprofessionals@yahoo.com. I will contact you for a free consultation. When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (408) 292-0486 Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. Thinking about a loan modification? Our San Jose loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy. Thanks for reading this, Guiseppe Matese. Guiseppe is a Real Estate Agent at RE/MAX Santa Clara Valley. Phone: (408)605-7650. sccrealestateprofessionals@yahoo.com. Helping San Jose Families Avoid Foreclosure Click here to view my homes for sale at www.AvoidMySanJoseForeclosures.com Guiseppe Matese specializes in loan modification assistance and short sales in San Jose California. San Jose Short Sales. San Jose Loan Modification Help. San Jose Short Sale Realtor. San Jose CA Short Sales. San Jose Realtor. Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved. This information on A Common San Jose Short Sale Myth: The Short Sale File Has To Be Perfect Before You Can Submit It To The Lender is provided as a courtesy to our viewers to help them make informed decisions. ]]> San Jose CA – Many agents think that a short sale lender will not look at a file until the short sale file is perfect. “I need your financial information, last 2 years of tax returns, last 2 pay stubs, last 2 month’s bank statements, and all the other short sale paperwork before I can submit the file”, they tell you. Click here to discover how other sellers successfully did a short sale and avoided foreclosure. A perfect short sale file does help. But, some agents think it will make the short sale process so much easier. But, even if the paperwork is perfect and submitted the lender will still want another piece of paperwork or want something modified. It’s just the nature of short sales. Lenders are always changing their policies and paperwork requirements. In some cases, they want the seller to fill out their financial statement form. In other cases, they want certain affidavits filled out and signed. No matter what, the requirements are always changing. It’s hard to hit a moving target. The best practice we have seen is to submit the paperwork you have and then wait to see if the lender needs any additional paperwork. When the short sale negotiator first looks at the file they will let you know what they need. You just need to make sure you get them that paperwork fairly quickly. Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail at sccrealestateprofessionals@yahoo.com. I will contact you for a free consultation. When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (408) 292-0486 Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. Thinking about a loan modification? Our San Jose loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy. Thanks for reading this, Guiseppe Matese. Guiseppe is a Real Estate Agent at RE/MAX Santa Clara Valley. Phone: (408)605-7650. sccrealestateprofessionals@yahoo.com. Helping San Jose Families Avoid Foreclosure Click here to view my homes for sale at www.AvoidMySanJoseForeclosures.com Guiseppe Matese specializes in loan modification assistance and short sales in San Jose California. San Jose Short Sales. San Jose Loan Modification Help. San Jose Short Sale Realtor. San Jose CA Short Sales. San Jose Realtor. Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved. This information on A Common San Jose Short Sale Myth: The Short Sale File Has To Be Perfect Before You Can Submit It To The Lender is provided as a courtesy to our viewers to help them make informed decisions. ]]> http://inside-real-estate.com/guiseppematese/2012/05/19/a-common-san-jose-short-sale-myth-the-short-sale-file-has-to-be-perfect-before-you-can-submit-it-to-the-lender/feed/ 882 You invest in your home to improve livability first, not value. http://inside-real-estate.com/chrislussier/2012/05/19/you-invest-in-your-home-to-improve-livability-first-not-value/ http://inside-real-estate.com/chrislussier/2012/05/19/you-invest-in-your-home-to-improve-livability-first-not-value/#comments Sat, 19 May 2012 10:00:48 +0000 Chris Lussier http://inside-real-estate.com/chrislussier/2012/05/19/you-invest-in-your-home-to-improve-livability-first-not-value/ http://www.inman.com/opinion/guest-perspective/2012/03/20/9-home-renovation-ideas-increase-livability]]> http://www.inman.com/opinion/guest-perspective/2012/03/20/9-home-renovation-ideas-increase-livability]]> http://inside-real-estate.com/chrislussier/2012/05/19/you-invest-in-your-home-to-improve-livability-first-not-value/feed/ 1364 Is It Better To Buy A San Jose Short Sale Or Wait Until After The Bank Has Foreclosed? http://inside-real-estate.com/guiseppematese/2012/05/18/is-it-better-to-buy-a-san-jose-short-sale-or-wait-until-after-the-bank-has-foreclosed/ http://inside-real-estate.com/guiseppematese/2012/05/18/is-it-better-to-buy-a-san-jose-short-sale-or-wait-until-after-the-bank-has-foreclosed/#comments Sat, 19 May 2012 01:12:31 +0000 Guiseppe Matese http://inside-real-estate.com/guiseppematese/2012/05/18/is-it-better-to-buy-a-san-jose-short-sale-or-wait-until-after-the-bank-has-foreclosed/ San Jose CA – Some people think they can go around a homeowner and buy a home directly from the bank. “The seller has to submit our offer to the bank because the bank owns the house”, they tell us. They assume that they can sidestep the seller and buy the house directly from the bank. The truth is that until the bank forecloses on the house, the seller owns it and they are in the driver’s seat. Click here to discover how other sellers successfully did a short sale and avoided foreclosure. If the seller works with another buyer on a short sale and the bank approves the short sale, then that buyer will get the house. If you really want the house, then it is best to work with the homeowner during a short sale. However, if you want to try your luck, then you can wait until the foreclosure is completed and buy the house from the bank. However the bank won’t just sell the house to you. They have a standard way that they sell bank owned properties. They put them on the open market and wait for a good offer. In most cases, they will not sell the house to you without putting it on the open market. This policy ensures that they don’t sell any homes for less than the fair market value. Every buyer in the market has a fair shot at the house. Their reasoning is that will get them the best price for the home. Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail at sccrealestateprofessionals@yahoo.com. I will contact you for a free consultation. When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (408) 292-0486 Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. Thinking about a loan modification? Our San Jose loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy. Thanks for reading this, Guiseppe Matese. Guiseppe is a Real Estate Agent at RE/MAX Santa Clara Valley. Phone: (408)292-0486. sccrealestateprofessionals@yahoo.com. Helping San Jose Families Avoid Foreclosure Click here to view my homes for sale at www.AvoidMySanJoseForeclosures.com. Guiseppe Matese specializes in loan modification assistance and short sales in San Jose California. San Jose Short Sales. San Jose Loan Modification Help. San Jose Short Sale Realtor. San Jose CA Short Sales. San Jose Realtor. Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved. This information on Is It Better To Buy A San Jose Short Sale Or Wait Until After The Bank Has Foreclosed? is provided as a courtesy to our viewers to help them make informed decisions. ]]> San Jose CA – Some people think they can go around a homeowner and buy a home directly from the bank. “The seller has to submit our offer to the bank because the bank owns the house”, they tell us. They assume that they can sidestep the seller and buy the house directly from the bank. The truth is that until the bank forecloses on the house, the seller owns it and they are in the driver’s seat. Click here to discover how other sellers successfully did a short sale and avoided foreclosure. If the seller works with another buyer on a short sale and the bank approves the short sale, then that buyer will get the house. If you really want the house, then it is best to work with the homeowner during a short sale. However, if you want to try your luck, then you can wait until the foreclosure is completed and buy the house from the bank. However the bank won’t just sell the house to you. They have a standard way that they sell bank owned properties. They put them on the open market and wait for a good offer. In most cases, they will not sell the house to you without putting it on the open market. This policy ensures that they don’t sell any homes for less than the fair market value. Every buyer in the market has a fair shot at the house. Their reasoning is that will get them the best price for the home. Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail at sccrealestateprofessionals@yahoo.com. I will contact you for a free consultation. When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (408) 292-0486 Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. Thinking about a loan modification? Our San Jose loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy. Thanks for reading this, Guiseppe Matese. Guiseppe is a Real Estate Agent at RE/MAX Santa Clara Valley. Phone: (408)292-0486. sccrealestateprofessionals@yahoo.com. Helping San Jose Families Avoid Foreclosure Click here to view my homes for sale at www.AvoidMySanJoseForeclosures.com. Guiseppe Matese specializes in loan modification assistance and short sales in San Jose California. San Jose Short Sales. San Jose Loan Modification Help. San Jose Short Sale Realtor. San Jose CA Short Sales. San Jose Realtor. Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved. This information on Is It Better To Buy A San Jose Short Sale Or Wait Until After The Bank Has Foreclosed? is provided as a courtesy to our viewers to help them make informed decisions. ]]> http://inside-real-estate.com/guiseppematese/2012/05/18/is-it-better-to-buy-a-san-jose-short-sale-or-wait-until-after-the-bank-has-foreclosed/feed/ 882 Beautiful Home for Sale in Ogden, UT Area http://inside-real-estate.com/kalleenfoster/2012/05/18/beautiful-home-for-sale-in-ogden-ut-area/ http://inside-real-estate.com/kalleenfoster/2012/05/18/beautiful-home-for-sale-in-ogden-ut-area/#comments Fri, 18 May 2012 23:07:09 +0000 Kalleen Foster http://inside-real-estate.com/kalleenfoster/2012/05/18/beautiful-home-for-sale-in-ogden-ut-area/ 7344 S 800 W, Willard, UT  84340 Looking for luxury in the country with a beautiful view?  This home has almost everything : 6/7 bedrooms, 3.5 baths, two family rooms, movie theater, shop, pet and physically-challenged friendly, play area in fenced backyard, covered deck, RV parking and half acre lot is beautifully landscaped. Call me for an appointment...801-589-2220.  It's a great time to buy :)]]> 7344 S 800 W, Willard, UT  84340 Looking for luxury in the country with a beautiful view?  This home has almost everything : 6/7 bedrooms, 3.5 baths, two family rooms, movie theater, shop, pet and physically-challenged friendly, play area in fenced backyard, covered deck, RV parking and half acre lot is beautifully landscaped. Call me for an appointment...801-589-2220.  It's a great time to buy :)]]> http://inside-real-estate.com/kalleenfoster/2012/05/18/beautiful-home-for-sale-in-ogden-ut-area/feed/ 512 Real estate rewind (May 14-18) http://inside-real-estate.com/danilobatoon/2012/05/18/real-estate-rewind-may-14-18/ http://inside-real-estate.com/danilobatoon/2012/05/18/real-estate-rewind-may-14-18/#comments Fri, 18 May 2012 21:47:57 +0000 Dan Batoon http://inside-real-estate.com/danilobatoon/2012/05/18/real-estate-rewind-may-14-18/ http://inside-real-estate.com/danilobatoon/2012/05/18/real-estate-rewind-may-14-18/feed/ 2029 Home Prices On The Rise Nationally - Higher In FLorida! http://inside-real-estate.com/bryanschaefer/2012/05/18/home-prices-on-the-rise-nationally-higher-in-florida/ http://inside-real-estate.com/bryanschaefer/2012/05/18/home-prices-on-the-rise-nationally-higher-in-florida/#comments Fri, 18 May 2012 18:34:24 +0000 Bryan Schaefer http://inside-real-estate.com/bryanschaefer/2012/05/18/home-prices-on-the-rise-nationally-higher-in-florida/ Forecast sees annual 4% rise in home prices NEW YORK – May 9, 2012 – Average U.S. home prices – down by a third since 2006 and still falling – will rise almost 4 percent a year for the next five years, according to a new forecast. Market watcher Fiserv sees prices stabilizing by summer’s end and then climbing, quickly in some places until gains taper off. The forecast is based on an analysis of leading home price indexes. Investors will drive much of the momentum, as they are now in cities such as Las Vegas and Phoenix. First-time and trade-up buyers will eventually follow. By the time home prices stop falling, they’ll be almost 35 percent below their 2006 peak, Fiserv says. Separately, market researcher CoreLogic said Tuesday that U.S. home prices rose 0.6 percent in March from February, the first month-over-month increase since July. Good affordability and declining inventories are key factors. Conventional mortgage payments now account for just 12 percent of median family incomes vs. a historical norm of 20 percent, says Fiserv economist David Stiff. The Fiserv forecast, done with Moody’s Analytics, assumes steady economic growth with no major shocks. Markets hardest hit by foreclosures will show the biggest five-year increases in home appreciation, it adds. Six of the 10 markets where annualized prices are expected to rise most over the next five years had price drops of more than 50 percent from their peaks. Las Vegas, for instance, is 61 percent off its 2006 peak. Meanwhile, Realtor.com says Florida has more cities than any other state that show the strongest signs of a housing recovery. Each quarter, the real estate website assesses housing data, including changes in list prices, inventories of homes for sale and local economies. Phoenix, Miami and Orlando are the top turnaround cities in its study, based on those markets’ improvements in the first quarter compared with a year earlier. Asking prices are up more than 20 percent in Phoenix and Miami, says Realtor.com. Inventories are down more than 40 percent. Naples, Fla., and Boise are also climbing in the rankings. New to the list of top 25 markets are Oakland and San Jose, which are benefiting from growth in the tech industry. The continued performance of local markets will depend a lot on the economy as well as on how quickly lenders dispose of distressed homes, says Realtor.com CEO Steve Berkowitz. Realtor.com is owned by Move, which operates a network of real estate websites. © Copyright 2012 USA TODAY, a division of Gannett Co. Inc., Julie Schmit.]]> Forecast sees annual 4% rise in home prices NEW YORK – May 9, 2012 – Average U.S. home prices – down by a third since 2006 and still falling – will rise almost 4 percent a year for the next five years, according to a new forecast. Market watcher Fiserv sees prices stabilizing by summer’s end and then climbing, quickly in some places until gains taper off. The forecast is based on an analysis of leading home price indexes. Investors will drive much of the momentum, as they are now in cities such as Las Vegas and Phoenix. First-time and trade-up buyers will eventually follow. By the time home prices stop falling, they’ll be almost 35 percent below their 2006 peak, Fiserv says. Separately, market researcher CoreLogic said Tuesday that U.S. home prices rose 0.6 percent in March from February, the first month-over-month increase since July. Good affordability and declining inventories are key factors. Conventional mortgage payments now account for just 12 percent of median family incomes vs. a historical norm of 20 percent, says Fiserv economist David Stiff. The Fiserv forecast, done with Moody’s Analytics, assumes steady economic growth with no major shocks. Markets hardest hit by foreclosures will show the biggest five-year increases in home appreciation, it adds. Six of the 10 markets where annualized prices are expected to rise most over the next five years had price drops of more than 50 percent from their peaks. Las Vegas, for instance, is 61 percent off its 2006 peak. Meanwhile, Realtor.com says Florida has more cities than any other state that show the strongest signs of a housing recovery. Each quarter, the real estate website assesses housing data, including changes in list prices, inventories of homes for sale and local economies. Phoenix, Miami and Orlando are the top turnaround cities in its study, based on those markets’ improvements in the first quarter compared with a year earlier. Asking prices are up more than 20 percent in Phoenix and Miami, says Realtor.com. Inventories are down more than 40 percent. Naples, Fla., and Boise are also climbing in the rankings. New to the list of top 25 markets are Oakland and San Jose, which are benefiting from growth in the tech industry. The continued performance of local markets will depend a lot on the economy as well as on how quickly lenders dispose of distressed homes, says Realtor.com CEO Steve Berkowitz. Realtor.com is owned by Move, which operates a network of real estate websites. © Copyright 2012 USA TODAY, a division of Gannett Co. Inc., Julie Schmit.]]> http://inside-real-estate.com/bryanschaefer/2012/05/18/home-prices-on-the-rise-nationally-higher-in-florida/feed/ 1849 Should Absentee Owner's Get Homestead Benefits? http://inside-real-estate.com/bryanschaefer/2012/05/18/should-absentee-owners-get-homestead-benefits/ http://inside-real-estate.com/bryanschaefer/2012/05/18/should-absentee-owners-get-homestead-benefits/#comments Fri, 18 May 2012 18:32:18 +0000 Bryan Schaefer http://inside-real-estate.com/bryanschaefer/2012/05/18/should-absentee-owners-get-homestead-benefits/ Copyright © 2012 The Associated Press, Bill Kaczor.]]> Copyright © 2012 The Associated Press, Bill Kaczor.]]> http://inside-real-estate.com/bryanschaefer/2012/05/18/should-absentee-owners-get-homestead-benefits/feed/ 1849 Why is This Decade-Old Debt Still Hurting My Credit? http://inside-real-estate.com/kathylittleton/2012/05/18/why-is-this-decade-old-debt-still-hurting-my-credit/ http://inside-real-estate.com/kathylittleton/2012/05/18/why-is-this-decade-old-debt-still-hurting-my-credit/#comments Fri, 18 May 2012 17:38:54 +0000 Dick and Kathy Littleton http://inside-real-estate.com/kathylittleton/2012/05/18/why-is-this-decade-old-debt-still-hurting-my-credit/ Article provided by Gerri Detweiler]]> Article provided by Gerri Detweiler]]> http://inside-real-estate.com/kathylittleton/2012/05/18/why-is-this-decade-old-debt-still-hurting-my-credit/feed/ 1767 Fixed Mortgage Rates Hit Record Lows...Again http://inside-real-estate.com/cindyburgess/2012/05/18/fixed-mortgage-rates-hit-record-lows-again/ http://inside-real-estate.com/cindyburgess/2012/05/18/fixed-mortgage-rates-hit-record-lows-again/#comments Fri, 18 May 2012 05:00:00 +0000 Cindy Burgess http://inside-real-estate.com/cindyburgess/2012/05/18/fixed-mortgage-rates-hit-record-lows-again/
Additional details from the PMMS:
-30-year fixed-rate mortgage (FRM) averaged 3.79 percent with an average 0.7 point for the week ending May 17, 2012, down from last week when it averaged 3.83 percent. Last year at this time, the 30-year FRM averaged 4.61 percent.
-15-year FRM this week averaged 3.04 percent with an average 0.7 point, down from last week when it averaged 3.05 percent. A year ago at this time, the 15-year FRM averaged 3.80 percent.
-5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 2.83 percent this week, with an average 0.6 point, up from last week when it averaged 2.81 percent. A year ago, the 5-year ARM averaged 3.48 percent.
-1-year Treasury-indexed ARM averaged 2.78 percent this week with an average 0.5 point, up from last week when it averaged 2.73 percent. At this time last year, the 1-year ARM averaged 3.15 percent.

Source: Freddie Mac

Published with permission from RISMedia.

]]>
Additional details from the PMMS:
-30-year fixed-rate mortgage (FRM) averaged 3.79 percent with an average 0.7 point for the week ending May 17, 2012, down from last week when it averaged 3.83 percent. Last year at this time, the 30-year FRM averaged 4.61 percent.
-15-year FRM this week averaged 3.04 percent with an average 0.7 point, down from last week when it averaged 3.05 percent. A year ago at this time, the 15-year FRM averaged 3.80 percent.
-5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 2.83 percent this week, with an average 0.6 point, up from last week when it averaged 2.81 percent. A year ago, the 5-year ARM averaged 3.48 percent.
-1-year Treasury-indexed ARM averaged 2.78 percent this week with an average 0.5 point, up from last week when it averaged 2.73 percent. At this time last year, the 1-year ARM averaged 3.15 percent.

Source: Freddie Mac

Published with permission from RISMedia.

]]> http://inside-real-estate.com/cindyburgess/2012/05/18/fixed-mortgage-rates-hit-record-lows-again/feed/ 1888 Water Your Lawn the Right Way with These Simple Tips http://inside-real-estate.com/cindyburgess/2012/05/18/water-your-lawn-the-right-way-with-these-simple-tips/ http://inside-real-estate.com/cindyburgess/2012/05/18/water-your-lawn-the-right-way-with-these-simple-tips/#comments Fri, 18 May 2012 05:00:00 +0000 Cindy Burgess http://inside-real-estate.com/cindyburgess/2012/05/18/water-your-lawn-the-right-way-with-these-simple-tips/
TruGreen, one of the nation's largest professional lawn care services and part of the ServiceMaster family of brands, regularly monitors U.S. weather data to enable the company's trained lawn care specialists to effectively address local agronomic conditions while promoting responsible water conservation. The lawn experts at TruGreen have some tips to help you water your lawn the right way.

How to Tell When Your Lawn Needs Water
Turfgrass plants are 70 to 75 percent water, so giving them enough water is vital. Symptoms of inadequate water are easily seen:
-Grass slowly loses its bright green color and starts to fade to yellow.
-You may notice wilting, which causes grass blades to roll or fold.
-If you walk across your lawn and your footprints remain in the grass, or lawn mower tracks remain visible, your lawn needs water.
-If grass loses its green color altogether and turns yellow and then tan, that signals drought dormancy. That means grass has stopped growing. Once your lawn has turned brown and lost all color during drought dormancy, it could take several weeks of steady watering to spur regrowth.

The most accurate way to determine whether your lawn needs water is to use a knife to cut a wedge of soil (through the turf) about four inches deep and feel the soil. Ideally, it should be moist, not powder dry nor soggy and wet.

"Signs of typical wear and tear on yards this time of year are amplified when lawns are stressed," said Ben Hamza, Ph.D., director of technical operations at TruGreen. "Brown spots on lawns may not always be from lack of water or nutrients, but instead from lawn-feeding insects that can mimic drought damage on select grass types. Homeowners need to have a clear understanding of the source of the yard problem to effectively resolve."

How to Water Your Lawn
Established lawns should be watered deeply, but infrequently. Deep watering once a week encourages deeper root growth, while frequent, shallow watering produces a limited root system.

-When watering, make sure you moisten the top three to four inches of soil, which covers the root zone.
-Although watering frequency depends on the type of grass, your soil, and the weather, most grasses require about one inch of water each week for healthy growth. Let Mother Nature do as much of the watering for you as possible.
-The best time to water is in the morning and in non-windy conditions. This conserves water and allows grass to dry before evening. Grass that remains wet for long periods of time is more susceptible to disease development. Watering in the afternoon is the worst for water conservation. Up to half the water can evaporate in the air or on the ground during the hot part of the day.
-If you're using a movable sprinkler, let it run in one spot just until the water begins to run off the surface, then move to a different area of the lawn.
-Monitor your underground irrigation or sprinkler system to be sure that you moisten the lawn's entire root zone without over-watering any sections.
-To help ensure uniformity, place a one-inch deep, empty food can in the middle of lawn area to measure depth of water collected after each watering cycle.
-Make sure you are familiar with and follow any local watering restrictions.

Source: TruGreen

Published with permission from RISMedia.

]]>
TruGreen, one of the nation's largest professional lawn care services and part of the ServiceMaster family of brands, regularly monitors U.S. weather data to enable the company's trained lawn care specialists to effectively address local agronomic conditions while promoting responsible water conservation. The lawn experts at TruGreen have some tips to help you water your lawn the right way.

How to Tell When Your Lawn Needs Water
Turfgrass plants are 70 to 75 percent water, so giving them enough water is vital. Symptoms of inadequate water are easily seen:
-Grass slowly loses its bright green color and starts to fade to yellow.
-You may notice wilting, which causes grass blades to roll or fold.
-If you walk across your lawn and your footprints remain in the grass, or lawn mower tracks remain visible, your lawn needs water.
-If grass loses its green color altogether and turns yellow and then tan, that signals drought dormancy. That means grass has stopped growing. Once your lawn has turned brown and lost all color during drought dormancy, it could take several weeks of steady watering to spur regrowth.

The most accurate way to determine whether your lawn needs water is to use a knife to cut a wedge of soil (through the turf) about four inches deep and feel the soil. Ideally, it should be moist, not powder dry nor soggy and wet.

"Signs of typical wear and tear on yards this time of year are amplified when lawns are stressed," said Ben Hamza, Ph.D., director of technical operations at TruGreen. "Brown spots on lawns may not always be from lack of water or nutrients, but instead from lawn-feeding insects that can mimic drought damage on select grass types. Homeowners need to have a clear understanding of the source of the yard problem to effectively resolve."

How to Water Your Lawn
Established lawns should be watered deeply, but infrequently. Deep watering once a week encourages deeper root growth, while frequent, shallow watering produces a limited root system.

-When watering, make sure you moisten the top three to four inches of soil, which covers the root zone.
-Although watering frequency depends on the type of grass, your soil, and the weather, most grasses require about one inch of water each week for healthy growth. Let Mother Nature do as much of the watering for you as possible.
-The best time to water is in the morning and in non-windy conditions. This conserves water and allows grass to dry before evening. Grass that remains wet for long periods of time is more susceptible to disease development. Watering in the afternoon is the worst for water conservation. Up to half the water can evaporate in the air or on the ground during the hot part of the day.
-If you're using a movable sprinkler, let it run in one spot just until the water begins to run off the surface, then move to a different area of the lawn.
-Monitor your underground irrigation or sprinkler system to be sure that you moisten the lawn's entire root zone without over-watering any sections.
-To help ensure uniformity, place a one-inch deep, empty food can in the middle of lawn area to measure depth of water collected after each watering cycle.
-Make sure you are familiar with and follow any local watering restrictions.

Source: TruGreen

Published with permission from RISMedia.

]]> http://inside-real-estate.com/cindyburgess/2012/05/18/water-your-lawn-the-right-way-with-these-simple-tips/feed/ 1888 Nearly Three-Quarters of American Grill Owners Fire Up the Grill on Memorial Day http://inside-real-estate.com/cindyburgess/2012/05/18/nearly-three-quarters-of-american-grill-owners-fire-up-the-grill-on-memorial-day/ http://inside-real-estate.com/cindyburgess/2012/05/18/nearly-three-quarters-of-american-grill-owners-fire-up-the-grill-on-memorial-day/#comments Fri, 18 May 2012 05:00:00 +0000 Cindy Burgess http://inside-real-estate.com/cindyburgess/2012/05/18/nearly-three-quarters-of-american-grill-owners-fire-up-the-grill-on-memorial-day/
"We continue to see a rise in the number of people grilling for nearly all major holidays, including Memorial Day, the Fourth of July (90 percent), Father's Day (53 percent) and even birthdays (76 percent)," said Brooke Jones, Director of Marketing for Weber-Stephen Products LLC, one of the world's leading manufacturers of outdoor gas and charcoal grills and grilling accessories.

Weber commissioned Toluna to field the 23nd annual Weber GrillWatch Survey. A total of 1,000 grill owners throughout the United States completed the online survey. All respondents were 21 years of age or older and currently own a charcoal, gas or electric outdoor grill or smoker. The sample was divided between 50 percent males and 50 percent females and was balanced demographically to represent households across the U.S.

Other top trends include:

A Surge in Electric Grilling Popularity
Sixty-two percent of American grill owners who have never grilled on an outdoor electric grill are interested in trying, a six percent increase over the past three years. In addition, the survey showed:

-Grill owners who have used an outdoor electric grill (24 percent) list the top three reasons they enjoy electric grilling as: easy to use (61 percent), does not require fuel (52 percent), and heats up quickly (51 percent).

Southerners and the Art of Smoking
By region, grill owners in the South rule when it comes to smoking foods, with 41 percent reporting they know how to use an outdoor smoker. Northeasterners are the least likely to know how to use an outdoor smoker at 29 percent. The West and Midwest are tied at 36 percent. Additional smoke cooking statistics include:

-Forty-four percent of grillers who do not know how to use a smoker are interested in learning how to use one.
-Smoker owners are the most prolific grillers, spending an average of 7.5 hours per week grilling during their grilling season.

Other Newsworthy Facts from the Weber GrillWatch Survey
-Currently, 71 percent of all Americans (21 and older) own an outdoor grill and or smoker.
-Almost three-quarters of American grill owners (74 percent) are using their grill at least once a week during their grilling season, an increase from 69 percent last year.
-The three foods grilled most often are hamburgers (73 percent), chicken (41 percent) and steak (40 percent).
-Grillers consider dessert the most challenging food to grill (35 percent), followed by fish (30 percent) and pizza (28 percent).

For more information, visit www.weber.com.

Published with permission from RISMedia.

]]>
"We continue to see a rise in the number of people grilling for nearly all major holidays, including Memorial Day, the Fourth of July (90 percent), Father's Day (53 percent) and even birthdays (76 percent)," said Brooke Jones, Director of Marketing for Weber-Stephen Products LLC, one of the world's leading manufacturers of outdoor gas and charcoal grills and grilling accessories.

Weber commissioned Toluna to field the 23nd annual Weber GrillWatch Survey. A total of 1,000 grill owners throughout the United States completed the online survey. All respondents were 21 years of age or older and currently own a charcoal, gas or electric outdoor grill or smoker. The sample was divided between 50 percent males and 50 percent females and was balanced demographically to represent households across the U.S.

Other top trends include:

A Surge in Electric Grilling Popularity
Sixty-two percent of American grill owners who have never grilled on an outdoor electric grill are interested in trying, a six percent increase over the past three years. In addition, the survey showed:

-Grill owners who have used an outdoor electric grill (24 percent) list the top three reasons they enjoy electric grilling as: easy to use (61 percent), does not require fuel (52 percent), and heats up quickly (51 percent).

Southerners and the Art of Smoking
By region, grill owners in the South rule when it comes to smoking foods, with 41 percent reporting they know how to use an outdoor smoker. Northeasterners are the least likely to know how to use an outdoor smoker at 29 percent. The West and Midwest are tied at 36 percent. Additional smoke cooking statistics include:

-Forty-four percent of grillers who do not know how to use a smoker are interested in learning how to use one.
-Smoker owners are the most prolific grillers, spending an average of 7.5 hours per week grilling during their grilling season.

Other Newsworthy Facts from the Weber GrillWatch Survey
-Currently, 71 percent of all Americans (21 and older) own an outdoor grill and or smoker.
-Almost three-quarters of American grill owners (74 percent) are using their grill at least once a week during their grilling season, an increase from 69 percent last year.
-The three foods grilled most often are hamburgers (73 percent), chicken (41 percent) and steak (40 percent).
-Grillers consider dessert the most challenging food to grill (35 percent), followed by fish (30 percent) and pizza (28 percent).

For more information, visit www.weber.com.

Published with permission from RISMedia.

]]> http://inside-real-estate.com/cindyburgess/2012/05/18/nearly-three-quarters-of-american-grill-owners-fire-up-the-grill-on-memorial-day/feed/ 1888 Explore St. George, UT: A Blog Series http://inside-real-estate.com/laura-taylor/2012/05/17/explore-st-george-ut-a-blog-series/ http://inside-real-estate.com/laura-taylor/2012/05/17/explore-st-george-ut-a-blog-series/#comments Fri, 18 May 2012 04:57:39 +0000 laura-taylor http://inside-real-estate.com/laura-taylor/2012/05/17/explore-st-george-ut-a-blog-series/ Beautiful Zion National Park[/caption] Amazing Tuacahn Amphitheater Amazing Tuacahn Amphitheater ~ Major Broadway Plays Every Summer]]> Beautiful Zion National Park[/caption] Amazing Tuacahn Amphitheater Amazing Tuacahn Amphitheater ~ Major Broadway Plays Every Summer]]> http://inside-real-estate.com/laura-taylor/2012/05/17/explore-st-george-ut-a-blog-series/feed/ 2174 BofA promises up to $30K in short sale bonuses http://inside-real-estate.com/danilobatoon/2012/05/17/bofa-promises-up-to-30k-in-short-sale-bonuses/ http://inside-real-estate.com/danilobatoon/2012/05/17/bofa-promises-up-to-30k-in-short-sale-bonuses/#comments Fri, 18 May 2012 00:47:52 +0000 Dan Batoon http://inside-real-estate.com/danilobatoon/2012/05/17/bofa-promises-up-to-30k-in-short-sale-bonuses/ http://inside-real-estate.com/danilobatoon/2012/05/17/bofa-promises-up-to-30k-in-short-sale-bonuses/feed/ 2029 Gorgeous Folly Beach Home! http://inside-real-estate.com/charleston-south-carolina/homes-for-sale/gorgeous-folly-beach-home/ http://inside-real-estate.com/charleston-south-carolina/homes-for-sale/gorgeous-folly-beach-home/#comments Thu, 17 May 2012 14:05:37 +0000 Joshua Brandner http://inside-real-estate.com/charleston-south-carolina/homes-for-sale/gorgeous-folly-beach-home/ ***NEW*** ---EXTREMELY WELL PRICED FOLLY BEACH HOME ON A LARGE, PRIVATE, MARSHFRONT LOT---Whether you are an investor, primary or 2nd home buyer, this property could fit your needs! This (4) bedrooms, (2.5) baths, 1804 square foot home was built in 2003 and sits on a 0.30 ACRE MARSHFRONT LOT = PURE PARADISE! With its attractive pricing, location and size, it could be a good purchase for fixed income with a long term tenant, possible candidate for a vacation rental program or an AFFORDABLE FOLLY BEACH PRIMARY RESIDENCE! Upon entering the home, you can instantly see the pride of ownership and with it being built in 03, little maintenance should be required. You are greeted with tile flooring throught, GORGEOUS FIREPLACE, and a modern floor-plan with living/dining combo! As we all know, a decent sized kitchen with plenty of cabinetry is a must. Luckily, we have you covered! The first floor also hosts the LARGE Master Bedroom and the Master Bath boasts dual vanities, garden tub and stand-up shower! There is also a half bath conveniently located on the first floor along with outside access to the screened-in porch and deck overlooking a small creek/marsh. It truly is an ideal place to relax or entertain a few friends and family. The property has plenty of off-street parking and a private entrance from underneath the home. Located on the 4th Block of W. Cooper Ave, this property see's less traffic than other parts of the Beach but is also only a few blocks away from the many restaurants, shops and Folly Beach Events.(a few doors down is a play park) More importantly, you are just a few rows back from the Atlantic and dont have to pay the premium prices that come with an Oceanfront or 2nd Row home! Besides it ease of access to Downtown Charleston, Folly Beach has a lot to offer including a County Park, Fishing Pier, Boat Ramp, Basketball/Tennis Courts, Play Park and more....As many will tell you, there is no better lifestyle than that of the Folly Beach lifestyle! Last but definitely NOT least, this home is priced extremely well! Take a look at whats available on Folly under 500K and you too will be a believer that this property should go fast! With that said, this SELLER IS STILL MOTIVATED! For questions regarding this listing or any other property, please contact The Fred Holland Team. Joshua Brandner, REALTOR, josh@fredhollandrealty.com or (843) 343-1307]]> ***NEW*** ---EXTREMELY WELL PRICED FOLLY BEACH HOME ON A LARGE, PRIVATE, MARSHFRONT LOT---Whether you are an investor, primary or 2nd home buyer, this property could fit your needs! This (4) bedrooms, (2.5) baths, 1804 square foot home was built in 2003 and sits on a 0.30 ACRE MARSHFRONT LOT = PURE PARADISE! With its attractive pricing, location and size, it could be a good purchase for fixed income with a long term tenant, possible candidate for a vacation rental program or an AFFORDABLE FOLLY BEACH PRIMARY RESIDENCE! Upon entering the home, you can instantly see the pride of ownership and with it being built in 03, little maintenance should be required. You are greeted with tile flooring throught, GORGEOUS FIREPLACE, and a modern floor-plan with living/dining combo! As we all know, a decent sized kitchen with plenty of cabinetry is a must. Luckily, we have you covered! The first floor also hosts the LARGE Master Bedroom and the Master Bath boasts dual vanities, garden tub and stand-up shower! There is also a half bath conveniently located on the first floor along with outside access to the screened-in porch and deck overlooking a small creek/marsh. It truly is an ideal place to relax or entertain a few friends and family. The property has plenty of off-street parking and a private entrance from underneath the home. Located on the 4th Block of W. Cooper Ave, this property see's less traffic than other parts of the Beach but is also only a few blocks away from the many restaurants, shops and Folly Beach Events.(a few doors down is a play park) More importantly, you are just a few rows back from the Atlantic and dont have to pay the premium prices that come with an Oceanfront or 2nd Row home! Besides it ease of access to Downtown Charleston, Folly Beach has a lot to offer including a County Park, Fishing Pier, Boat Ramp, Basketball/Tennis Courts, Play Park and more....As many will tell you, there is no better lifestyle than that of the Folly Beach lifestyle! Last but definitely NOT least, this home is priced extremely well! Take a look at whats available on Folly under 500K and you too will be a believer that this property should go fast! With that said, this SELLER IS STILL MOTIVATED! For questions regarding this listing or any other property, please contact The Fred Holland Team. Joshua Brandner, REALTOR, josh@fredhollandrealty.com or (843) 343-1307]]> http://inside-real-estate.com/charleston-south-carolina/homes-for-sale/gorgeous-folly-beach-home/feed/ 423 Can this potential homebuyer break the lease? http://inside-real-estate.com/danilobatoon/2012/05/17/can-this-potential-homebuyer-break-the-lease/ http://inside-real-estate.com/danilobatoon/2012/05/17/can-this-potential-homebuyer-break-the-lease/#comments Thu, 17 May 2012 13:00:00 +0000 Dan Batoon http://inside-real-estate.com/danilobatoon/2012/05/17/can-this-potential-homebuyer-break-the-lease/ http://inside-real-estate.com/danilobatoon/2012/05/17/can-this-potential-homebuyer-break-the-lease/feed/ 2029 Twin Cities Housing Market Strong This Spring http://inside-real-estate.com/bracehelgeson/2012/05/17/twin-cities-housing-market-strong-this-spring/ http://inside-real-estate.com/bracehelgeson/2012/05/17/twin-cities-housing-market-strong-this-spring/#comments Thu, 17 May 2012 12:59:04 +0000 Brace Helgeson http://inside-real-estate.com/bracehelgeson/2012/05/17/twin-cities-housing-market-strong-this-spring/ The Twin Cities housing market is off to a strong start so far this spring.  The number of listings on the market is lower than we have seen in the past, which has resulted in a large number of offers on homes being placed in April. Not only are sales up but so too are home prices. This is the second month in a row we have seen this trend. The number of homes last month that were sold was up 7.1 percent when compared to this same time period last year. We are also seeing home prices jump. Last month alone the median sale price of a home in the Twin Cities metropolitan area was $163,000, up 12.4 percent according to recent data released by the National Association of Realtors. Signs of a strengthening economy and the early warm weather have brought many active buyers into the market. The rise in homes prices can be attributed to more competition in the market with fewer homes for sale. A large decline in the number of foreclosed homes has also helped the current housing market. Home inventories are currently at a low we have not seen since 2004. Many Realtors feel that these signs are a good indicator that the housing market is starting to rebound. If you are looking to buy or sell a home contact me. Our group specializes in Eden Prairie Real Estate, Chanhassen Real Estate, Chaska Real Estate, Lake Minnetonka Real Estate, Edina Real Estate and West Bloomington Real Estate. Brace Helgeson Coldwell Banker Burnet Licensed in Minnesota/Lic # 92065]]> The Twin Cities housing market is off to a strong start so far this spring.  The number of listings on the market is lower than we have seen in the past, which has resulted in a large number of offers on homes being placed in April. Not only are sales up but so too are home prices. This is the second month in a row we have seen this trend. The number of homes last month that were sold was up 7.1 percent when compared to this same time period last year. We are also seeing home prices jump. Last month alone the median sale price of a home in the Twin Cities metropolitan area was $163,000, up 12.4 percent according to recent data released by the National Association of Realtors. Signs of a strengthening economy and the early warm weather have brought many active buyers into the market. The rise in homes prices can be attributed to more competition in the market with fewer homes for sale. A large decline in the number of foreclosed homes has also helped the current housing market. Home inventories are currently at a low we have not seen since 2004. Many Realtors feel that these signs are a good indicator that the housing market is starting to rebound. If you are looking to buy or sell a home contact me. Our group specializes in Eden Prairie Real Estate, Chanhassen Real Estate, Chaska Real Estate, Lake Minnetonka Real Estate, Edina Real Estate and West Bloomington Real Estate. Brace Helgeson Coldwell Banker Burnet Licensed in Minnesota/Lic # 92065]]> http://inside-real-estate.com/bracehelgeson/2012/05/17/twin-cities-housing-market-strong-this-spring/feed/ 1354 Homeowners Face Insurance Increases Nationwide http://inside-real-estate.com/cindyburgess/2012/05/17/homeowners-face-insurance-increases-nationwide/ http://inside-real-estate.com/cindyburgess/2012/05/17/homeowners-face-insurance-increases-nationwide/#comments Thu, 17 May 2012 05:00:00 +0000 Cindy Burgess http://inside-real-estate.com/cindyburgess/2012/05/17/homeowners-face-insurance-increases-nationwide/
The RateReport shows that 12-month home insurance premiums in December 2011 were $810 nationwide, a 19 percent increase from January 2011 at $682. RateReport shows that on a nationwide basis, homeowners are paying, on average, $128 more per year for new homeowners insurance policies than they were at the beginning of the year.

State-by-state premium increases were more dramatic in some areas including Mississippi, Montana and New Mexico where new policies in December 2011 were carrying roughly 29-39 percent higher premiums than those sold in January 2011.

"Rate fluctuations are normal and can be caused by a variety of factors," says Carlos Lagomarsino Founder of HomeInsurance.com. "The best thing homeowners can do is comparison shop and ask their agents to qualify them for all eligible discounts, such as a home-auto package, which can provide substantial savings."

With the overwhelming increases in 2011, there were some bright spots where policyholders saw lower rates toward the end of 2011 such as Washington D.C., where homeowners were paying about 7 percent less for new policies. Likewise, new policies sold in December 2011 in Vermont, Virginia, West Virginia and California decreased in price as compared to earlier in the year when they were 1 to 3 percent higher.

Published with permission from RISMedia.

]]>
The RateReport shows that 12-month home insurance premiums in December 2011 were $810 nationwide, a 19 percent increase from January 2011 at $682. RateReport shows that on a nationwide basis, homeowners are paying, on average, $128 more per year for new homeowners insurance policies than they were at the beginning of the year.

State-by-state premium increases were more dramatic in some areas including Mississippi, Montana and New Mexico where new policies in December 2011 were carrying roughly 29-39 percent higher premiums than those sold in January 2011.

"Rate fluctuations are normal and can be caused by a variety of factors," says Carlos Lagomarsino Founder of HomeInsurance.com. "The best thing homeowners can do is comparison shop and ask their agents to qualify them for all eligible discounts, such as a home-auto package, which can provide substantial savings."

With the overwhelming increases in 2011, there were some bright spots where policyholders saw lower rates toward the end of 2011 such as Washington D.C., where homeowners were paying about 7 percent less for new policies. Likewise, new policies sold in December 2011 in Vermont, Virginia, West Virginia and California decreased in price as compared to earlier in the year when they were 1 to 3 percent higher.

Published with permission from RISMedia.

]]> http://inside-real-estate.com/cindyburgess/2012/05/17/homeowners-face-insurance-increases-nationwide/feed/ 1888 Refreshing Your Laundry Room http://inside-real-estate.com/cindyburgess/2012/05/17/refreshing-your-laundry-room/ http://inside-real-estate.com/cindyburgess/2012/05/17/refreshing-your-laundry-room/#comments Thu, 17 May 2012 05:00:00 +0000 Cindy Burgess http://inside-real-estate.com/cindyburgess/2012/05/17/refreshing-your-laundry-room/
The Washer
- Clean out your washer every month or so by adding vinegar to the wash cycle. For top loaders, turn the setting to the largest load and fill the empty machine with hot water. Once filled, stop the cycle and add three to four cups of distilled white vinegar. Turn off the machine. After letting the water sit for about 30 minutes to an hour, restart the machine and finish the cycle. To eliminate odor, add one-half cup of baking soda to the vinegar-water mixture. For front-loading machines, place vinegar and baking soda into the empty machine and run through a wash cycle.
- Occasionally wipe out the inside of the machine with a damp cloth or soft brush and a tiny bit of detergent.
- To keep the machine clean and eliminate residue, use less detergent. Oftentimes, you can cut the amount in half. Add a small amount of vinegar, about one-fourth cup, to the rinse cycle to replace fabric softener. Vinegar is less expensive and is a natural whitening agent, leaving white clothes whiter and colored clothes brighter.
- If you have a removable detergent compartment, let it soak in vinegar to eliminate sticky residue. If it is not removable, warm a cup of vinegar in the microwave then pour it into the detergent compartment. Let it sit for about 10 minutes before running a wash cycle.

The Dryer
- After every use, empty the dryer's lint trap. About once a week, get rid of all the lint residue on the trap by washing it in the sink or vacuuming it. Use a long, flexible brush to clean any stray lint from the housing that holds the lint trap. Occasionally clean the inside of the dryer by wiping it down with a damp cloth and a tiny dab of dishwashing detergent.
- Use the same method – damp cloth and dishwashing liquid – to clean fronts, sides and tops of machines.

The Laundry Room
- Sweep or vacuum the floor, launder any rugs and dust or vacuum under the washer and dryer, being careful to avoid hoses and cords.
- Occasionally clean the dryer hose with a duster or long vacuum attachment. This will clear away lint stuck to the walls of the hose. Follow manufacturer's directions for detaching the hose.
- Clean the sink and deodorize the drain by pouring in one-four cup of baking soda followed by a cup of white distilled vinegar. After letting the mix sit for about 15 minutes, rinse with hot water.

Published with permission from RISMedia.

]]>
The Washer
- Clean out your washer every month or so by adding vinegar to the wash cycle. For top loaders, turn the setting to the largest load and fill the empty machine with hot water. Once filled, stop the cycle and add three to four cups of distilled white vinegar. Turn off the machine. After letting the water sit for about 30 minutes to an hour, restart the machine and finish the cycle. To eliminate odor, add one-half cup of baking soda to the vinegar-water mixture. For front-loading machines, place vinegar and baking soda into the empty machine and run through a wash cycle.
- Occasionally wipe out the inside of the machine with a damp cloth or soft brush and a tiny bit of detergent.
- To keep the machine clean and eliminate residue, use less detergent. Oftentimes, you can cut the amount in half. Add a small amount of vinegar, about one-fourth cup, to the rinse cycle to replace fabric softener. Vinegar is less expensive and is a natural whitening agent, leaving white clothes whiter and colored clothes brighter.
- If you have a removable detergent compartment, let it soak in vinegar to eliminate sticky residue. If it is not removable, warm a cup of vinegar in the microwave then pour it into the detergent compartment. Let it sit for about 10 minutes before running a wash cycle.

The Dryer
- After every use, empty the dryer's lint trap. About once a week, get rid of all the lint residue on the trap by washing it in the sink or vacuuming it. Use a long, flexible brush to clean any stray lint from the housing that holds the lint trap. Occasionally clean the inside of the dryer by wiping it down with a damp cloth and a tiny dab of dishwashing detergent.
- Use the same method – damp cloth and dishwashing liquid – to clean fronts, sides and tops of machines.

The Laundry Room
- Sweep or vacuum the floor, launder any rugs and dust or vacuum under the washer and dryer, being careful to avoid hoses and cords.
- Occasionally clean the dryer hose with a duster or long vacuum attachment. This will clear away lint stuck to the walls of the hose. Follow manufacturer's directions for detaching the hose.
- Clean the sink and deodorize the drain by pouring in one-four cup of baking soda followed by a cup of white distilled vinegar. After letting the mix sit for about 15 minutes, rinse with hot water.

Published with permission from RISMedia.

]]> http://inside-real-estate.com/cindyburgess/2012/05/17/refreshing-your-laundry-room/feed/ 1888 Seven in Ten Americans Cooking More, Eating Out Less http://inside-real-estate.com/cindyburgess/2012/05/17/seven-in-ten-americans-cooking-more-eating-out-less/ http://inside-real-estate.com/cindyburgess/2012/05/17/seven-in-ten-americans-cooking-more-eating-out-less/#comments Thu, 17 May 2012 05:00:00 +0000 Cindy Burgess http://inside-real-estate.com/cindyburgess/2012/05/17/seven-in-ten-americans-cooking-more-eating-out-less/
According to the results of a recent Harris Poll, people are indeed dining out. Over three in five U.S. adults (63 percent) have dined at a fast food restaurant chain in the past month and about half have dined at a local casual dining establishment (53 percent) and a casual dining restaurant chain (50 percent). Fewer have dined at either a local fine dining establishment (18 percent) or a fine dining restaurant chain (9 percent) while 13 percent of Americans have not dined at any of these types of restaurants in the past month.

However, while Americans are dining out, they are still cutting back on how often they do so. In looking at the past six months, about one-third say they are eating less frequently at fast food chains (36 percent), casual dining restaurant chains (34 percent), and local casual dining restaurants (34 percent).

Women are more likely than men to say they are dining out less frequently in these three types of restaurants over the past six months. For example, two in five women (41 percent) say they are dining less frequently at fast food restaurants compared to 31 percent of men.

Seven in ten Americans (71 percent) say they find themselves cooking more instead of going out in order to save more money, while over half (57 percent) say going out used to be a regular occurrence but it is now a luxury. On the flip side, three in five U.S. adults (60 percent) disagree with the notion that they will eat out as often but now usually at a lower priced restaurant. Only three in ten Americans (29 percent) say they will cut spending in other places in order to still be able to dine out.

"Consumer restaurant behavior continues to evolve as they manage their budgets in an ongoing tight economy. At the beginning of the economic downturn we saw consumers saving money by changing their behavior in two ways: eating out less frequently and shifting their eating-out dollars away from Casual Dining towards Fast Food/Quick Service restaurants," according to Mary Bouchard, vice president and thought leader at Harris Interactive. "Now, with several years of experience with constrained budgets, they have shifted even further from the busy-lifestyle convenience of eating out on a regular basis to making time for cooking at home. When they do eat out, not surprisingly, price is still a primary component of their decision making process."

Published with permission from RISMedia.

]]>
According to the results of a recent Harris Poll, people are indeed dining out. Over three in five U.S. adults (63 percent) have dined at a fast food restaurant chain in the past month and about half have dined at a local casual dining establishment (53 percent) and a casual dining restaurant chain (50 percent). Fewer have dined at either a local fine dining establishment (18 percent) or a fine dining restaurant chain (9 percent) while 13 percent of Americans have not dined at any of these types of restaurants in the past month.

However, while Americans are dining out, they are still cutting back on how often they do so. In looking at the past six months, about one-third say they are eating less frequently at fast food chains (36 percent), casual dining restaurant chains (34 percent), and local casual dining restaurants (34 percent).

Women are more likely than men to say they are dining out less frequently in these three types of restaurants over the past six months. For example, two in five women (41 percent) say they are dining less frequently at fast food restaurants compared to 31 percent of men.

Seven in ten Americans (71 percent) say they find themselves cooking more instead of going out in order to save more money, while over half (57 percent) say going out used to be a regular occurrence but it is now a luxury. On the flip side, three in five U.S. adults (60 percent) disagree with the notion that they will eat out as often but now usually at a lower priced restaurant. Only three in ten Americans (29 percent) say they will cut spending in other places in order to still be able to dine out.

"Consumer restaurant behavior continues to evolve as they manage their budgets in an ongoing tight economy. At the beginning of the economic downturn we saw consumers saving money by changing their behavior in two ways: eating out less frequently and shifting their eating-out dollars away from Casual Dining towards Fast Food/Quick Service restaurants," according to Mary Bouchard, vice president and thought leader at Harris Interactive. "Now, with several years of experience with constrained budgets, they have shifted even further from the busy-lifestyle convenience of eating out on a regular basis to making time for cooking at home. When they do eat out, not surprisingly, price is still a primary component of their decision making process."

Published with permission from RISMedia.

]]> http://inside-real-estate.com/cindyburgess/2012/05/17/seven-in-ten-americans-cooking-more-eating-out-less/feed/ 1888 San Jose Short Sale Myth: There Are No Rules Or Guidelines For Short Sales http://inside-real-estate.com/guiseppematese/2012/05/16/san-jose-short-sale-myth-there-are-no-rules-or-guidelines-for-short-sales/ http://inside-real-estate.com/guiseppematese/2012/05/16/san-jose-short-sale-myth-there-are-no-rules-or-guidelines-for-short-sales/#comments Thu, 17 May 2012 03:51:22 +0000 Guiseppe Matese http://inside-real-estate.com/guiseppematese/2012/05/16/san-jose-short-sale-myth-there-are-no-rules-or-guidelines-for-short-sales/ San Jose CA – I recently saw an article written by a prominent, so called short sale expert. In the article, this supposed expert says the only rules for short sales are HAFA, but even those rules are subject to interpretation. That is like saying that there are no traffic laws. If that were the case, then everyone could drive 100 MPH and never get a ticket. That is like saying that the court system has no rules. (Go ask a judge or lawyer and you’ll find out the truth about that pretty fast.) Click here to discover how other sellers successfully did a short sale and avoided foreclosure. The good news for short sale sellers is that there are rules. There are lots of rules in fact. These rules protect you from renegade, rogue employees at short sale lenders. They also protect you from the lenders. Here is a small sampling of the rules and guidelines for short sales. FHA Short Sales. There is a 16 page directive from HUD to lenders. This directive gives explicit instructions to all lenders on how to handle short sales on FHA loans. You can read thru the rules for an FHA Short Sale yourself. Just Google “Mortgagee Letter 2008-43.” VA Short Sales. VA gives explicit instructions (again in their short sale guidelines. Only, they don’t call it a short sale. They call it a VA Compromise Sale. Call a VA Loan Center to get a copy of the Compromise Sale Guidelines. Between 65-70% of all the loans in the US are owned or insured by one of the following entities: FHA, VA, Fannie Mae, or Freddie Mac. Those entities either own or insure against loss. That also means those entities have the right to dictate what can and cannot be done on a short sale. The lender handling the negotiations has to follow their guidelines or face stiff penalties. Fannie May and Freddie Mac do not publish their guidelines to the general public. But, we do know they have them. The lenders have sent Stop Foreclosure Institute Members copies of their guidelines before. The member was disputing something on a short sale. They couldn’t believe a certain rule. The lender’s negotiator sent them the guidelines for the thing they were disputing. The bottom line is that most (if not all) short sale sales do have rules. However, the lenders don’t want you to know that. Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail at sccrealestateprofessionals@yahoo.com. I will contact you for a free consultation. When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (408) 292-0486 Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. Thinking about a loan modification? Our San Jose loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy. Thanks for reading this, Guiseppe Matese. Guiseppe is a Real Estate Agent at RE/MAX Santa Clara Valley. Phone: (408) 292-0486. sccrealestateprofessionals@yahoo.com. Helping San Jose Families Avoid Foreclosure Click here to view my homes for sale at www.AvoidMySanJoseForeclosures.com. Guiseppe Matese specializes in loan modification assistance and short sales in San Jose California. San Jose Short Sales. San Jose Loan Modification Help. San Jose Short Sale Realtor. San Jose CA Short Sales. San Jose Realtor. Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved. This information on San Jose Short Sale Myth: There Are No Rules Or Guidelines For Short Sales is provided as a courtesy to our viewers to help them make informed decisions. ]]> San Jose CA – I recently saw an article written by a prominent, so called short sale expert. In the article, this supposed expert says the only rules for short sales are HAFA, but even those rules are subject to interpretation. That is like saying that there are no traffic laws. If that were the case, then everyone could drive 100 MPH and never get a ticket. That is like saying that the court system has no rules. (Go ask a judge or lawyer and you’ll find out the truth about that pretty fast.) Click here to discover how other sellers successfully did a short sale and avoided foreclosure. The good news for short sale sellers is that there are rules. There are lots of rules in fact. These rules protect you from renegade, rogue employees at short sale lenders. They also protect you from the lenders. Here is a small sampling of the rules and guidelines for short sales. FHA Short Sales. There is a 16 page directive from HUD to lenders. This directive gives explicit instructions to all lenders on how to handle short sales on FHA loans. You can read thru the rules for an FHA Short Sale yourself. Just Google “Mortgagee Letter 2008-43.” VA Short Sales. VA gives explicit instructions (again in their short sale guidelines. Only, they don’t call it a short sale. They call it a VA Compromise Sale. Call a VA Loan Center to get a copy of the Compromise Sale Guidelines. Between 65-70% of all the loans in the US are owned or insured by one of the following entities: FHA, VA, Fannie Mae, or Freddie Mac. Those entities either own or insure against loss. That also means those entities have the right to dictate what can and cannot be done on a short sale. The lender handling the negotiations has to follow their guidelines or face stiff penalties. Fannie May and Freddie Mac do not publish their guidelines to the general public. But, we do know they have them. The lenders have sent Stop Foreclosure Institute Members copies of their guidelines before. The member was disputing something on a short sale. They couldn’t believe a certain rule. The lender’s negotiator sent them the guidelines for the thing they were disputing. The bottom line is that most (if not all) short sale sales do have rules. However, the lenders don’t want you to know that. Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail at sccrealestateprofessionals@yahoo.com. I will contact you for a free consultation. When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (408) 292-0486 Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. Thinking about a loan modification? Our San Jose loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy. Thanks for reading this, Guiseppe Matese. Guiseppe is a Real Estate Agent at RE/MAX Santa Clara Valley. Phone: (408) 292-0486. sccrealestateprofessionals@yahoo.com. Helping San Jose Families Avoid Foreclosure Click here to view my homes for sale at www.AvoidMySanJoseForeclosures.com. Guiseppe Matese specializes in loan modification assistance and short sales in San Jose California. San Jose Short Sales. San Jose Loan Modification Help. San Jose Short Sale Realtor. San Jose CA Short Sales. San Jose Realtor. Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved. This information on San Jose Short Sale Myth: There Are No Rules Or Guidelines For Short Sales is provided as a courtesy to our viewers to help them make informed decisions. ]]> http://inside-real-estate.com/guiseppematese/2012/05/16/san-jose-short-sale-myth-there-are-no-rules-or-guidelines-for-short-sales/feed/ 882 Make Your Tax Dollars Work For You! http://inside-real-estate.com/deborahsoden/2012/05/17/make-your-tax-dollars-work-for-you/ http://inside-real-estate.com/deborahsoden/2012/05/17/make-your-tax-dollars-work-for-you/#comments Thu, 17 May 2012 03:00:33 +0000 deborahsoden http://inside-real-estate.com/deborahsoden/2012/05/17/make-your-tax-dollars-work-for-you/ 4 great ways to use your tax refund at home



http://bit.ly/Kpw70I]]> 4 great ways to use your tax refund at home



http://bit.ly/Kpw70I]]> http://inside-real-estate.com/deborahsoden/2012/05/17/make-your-tax-dollars-work-for-you/feed/ 1188 Record rate of cash buyers hit SD home market http://inside-real-estate.com/danilobatoon/2012/05/16/record-rate-of-cash-buyers-hit-sd-home-market/ http://inside-real-estate.com/danilobatoon/2012/05/16/record-rate-of-cash-buyers-hit-sd-home-market/#comments Thu, 17 May 2012 00:53:06 +0000 Dan Batoon http://inside-real-estate.com/danilobatoon/2012/05/16/record-rate-of-cash-buyers-hit-sd-home-market/ http://inside-real-estate.com/danilobatoon/2012/05/16/record-rate-of-cash-buyers-hit-sd-home-market/feed/ 2029 Buying Salt Lake Real Estate: What You Need to Know http://inside-real-estate.com/pargroup/buy-a-house/buying-salt-lake-real-estate/ http://inside-real-estate.com/pargroup/buy-a-house/buying-salt-lake-real-estate/#comments Wed, 16 May 2012 23:13:29 +0000 Tuiono http://inside-real-estate.com/pargroup/buy-a-house/buying-salt-lake-real-estate/ purchasing a home in the Salt Lake real estate market, there are some important factors you need to know.  Whether you are from in state or out of town, we can help you determine the kind of home you are looking for.

Prices are going up and inventory is going down in the Salt Lake real estate market.  What does that mean for you?

When housing prices are trending upward and inventory trending downward, it is typically referred to as a seller's market.  In other words, the seller usually has the upper hand when it comes to making a deal on a home. It is during this kind of market in which you need an efficient real estate agent.  Without a hard-working real estate agent that works n the Salt Lake Real Estate market, you could be left out to dry.

What Makes a Salt Lake Real Estate Agent Effective?

Our team works hard for you to not only find the right home for you but also make sure you get the best deal possible.  Because the Sale Lake real estate market is currently a seller's market, you need a member of our team to make sure you are not getting yanked around by home sellers. Par Utah Group is a dedicated group of Salt Lake real estate agents that will get the work done without causing any stress on your end.  So give us a call right now.  We will answer any questions you may have regarding the Sale Lake real estate market.]]> purchasing a home in the Salt Lake real estate market, there are some important factors you need to know.  Whether you are from in state or out of town, we can help you determine the kind of home you are looking for.

Prices are going up and inventory is going down in the Salt Lake real estate market.  What does that mean for you?

When housing prices are trending upward and inventory trending downward, it is typically referred to as a seller's market.  In other words, the seller usually has the upper hand when it comes to making a deal on a home. It is during this kind of market in which you need an efficient real estate agent.  Without a hard-working real estate agent that works n the Salt Lake Real Estate market, you could be left out to dry.

What Makes a Salt Lake Real Estate Agent Effective?

Our team works hard for you to not only find the right home for you but also make sure you get the best deal possible.  Because the Sale Lake real estate market is currently a seller's market, you need a member of our team to make sure you are not getting yanked around by home sellers. Par Utah Group is a dedicated group of Salt Lake real estate agents that will get the work done without causing any stress on your end.  So give us a call right now.  We will answer any questions you may have regarding the Sale Lake real estate market.]]> http://inside-real-estate.com/pargroup/buy-a-house/buying-salt-lake-real-estate/feed/ 2277