tag:blogger.com,1999:blog-10272707819274625872024-03-05T13:36:52.618-08:00SJ Real EstateFor most people their home is their largest asset. We look to empower you with knowledge when it comes to buying or selling real estate, investing in and evaluating real estate.What should you do in order to sell your home for the most Money in the fastest time possible? What are the most common mistakes people make when buying a home? Is now a good time to invest in real estate? What should you look for when buying a second home.We will help you answer these question and many more …Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.comBlogger391125tag:blogger.com,1999:blog-1027270781927462587.post-29268153946459104502014-07-25T04:52:00.000-07:002014-07-25T04:52:25.264-07:00HOW TO SELL YOUR HOME WITHOUT DROPPING YOUR PRICE<div class="itemBody" style="background-color: white; color: #666666; font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 20px; margin: 0px; padding: 8px 0px;">
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When your home is marked down from its original price, it's a sure sign that your marketing plan failed. Not only have you missed the critical first two weeks when buyers and real estate professionals are most interested, but there's no way for your home to compete with other homes that are better priced.</div>
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No one wants to waste time trying to deal with an unreasonable seller, so lowering the price may not help as much as you may think. Buyers may think something is wrong with the home, or they may decide that there's room for even more discounts. Real estate professionals won't get excited when your agent relists your home at a lower price because it's not a new listing.</div>
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If you're really ready to sell your home, don't test the market. The best thing for you to do is to price it right in the first place and then sell as close to the original asking price as possible. For the best results, price your home at current fair market value -- not where prices were in 2005, or where they might be in 2015.</div>
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Current fair market value means your home favorably compares to recent listings and closed sales of homes most similar to yours in size, finishes, amenities and location. It also means your home is on target with price trending. If homes are dropping in price in your area, you may want to set your original price under current fair market values in order to generate more interest from buyers. If prices are trending upward, stay current - don't price ahead. That only works in the strongest sellers' markets when banks are more comfortable about rising prices.</div>
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Next, make sure that buyers see your home in the best light. Among real estate professionals, the most important considerations is how your home looks from the curb and how it looks online. First impressions require that you spend particular time and attention on curb appeal, from keeping your walks and drives swept, to painting the front door a fresh new color, to putting out a new welcome mat.</div>
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Photography can be your home's best selling tool when it's done correctly and professionally. Stage the rooms that will be photographed by <a href="http://noralane.realtytimes.com/advicefromagents1/item/26154-de-cluttering-your-home-is-a-must-before-selling" style="color: #2b5998; text-decoration: none;">removing clutter</a>. Fluff the pillows, clear tabletops and countertops, and remove the dog's water bowl and your children's toys out of the viewfinder. Take a few digital shots and look for flaws - the rumpled bed, the wastebasket full of paper, or the closet bulging with clothes. Once all the flaws are removed, you're home is ready for the professional photographer who has the right lighting and equipment to help you market your home.</div>
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In homeselling, less is more. You want the home to come forward and your belongings to fade to the background. If you have too much stuff, put the excess in storage. As little as $50 to $250 for short-term storage could make the difference in the buyer's offer price.</div>
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When buyers come to your home, they will be looking for flaws, so make sure the little details are done, especially small repairs. The less that needs to be fixed or replaced, the better maintained and the more move-in ready the home appears to the buyer.</div>
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Buyer-friendliness is a factor that can't be underestimated. If you want a certain price for your home, make sure to give the buyer something extra to make it worth paying full price. Offer to pay closing costs up to a certain amount, or offer to leave the washer, dryer and refrigerator.</div>
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It's not just the home that needs to be attractive. As the seller, you're part of the whole package. You should appear buyer-friendly, just as your home should appear move-in friendly.</div>
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A home that is priced to reflect current market conditions and shows well in person and online will always sell for more than homes that aren't maintained and marketed as well.</div>
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Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com080 Virginia Avenue, Westmont, NJ 08108, USA39.913508 -75.05137815.214839999999999 -116.359972 64.612176 -33.742784tag:blogger.com,1999:blog-1027270781927462587.post-69771368198298822802012-07-04T05:34:00.003-07:002012-07-04T05:34:00.246-07:00A Great America - Happy July 4th<iframe allowfullscreen="" frameborder="0" height="344" src="http://www.youtube.com/embed/X4S10D6SdCs?fs=1" width="459"></iframe>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com3tag:blogger.com,1999:blog-1027270781927462587.post-78710761211523319602012-06-26T08:12:00.001-07:002012-06-26T08:12:15.947-07:00Condo Residents Say Landlord Is Cheating The System - Philadelphia News, Weather and Sports from WTXF FOX 29When your neighbors don't pay their HOA fees it hurts everyone financially. The dues in arrears could make it so buyers can't get a mortgage. The complex can loose its FHA certification. This effects everyone. <br />
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<a href="http://www.myfoxphilly.com/story/18877597/condo#.T-nQzz_mVhg.blogger">Condo Residents Say Landlord Is Cheating The System - Philadelphia News, Weather and Sports from WTXF FOX 29</a>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com3tag:blogger.com,1999:blog-1027270781927462587.post-57997279666654346142012-06-25T10:36:00.001-07:002012-06-25T10:36:51.917-07:00114 South King Street, Magnolia, NJ JUST REDUCED by $10,000<html>
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<td width="65%" align="left" style="vertical-align: middle;padding-left:10px; padding-top:0px; padding-right:0px; padding-bottom:0px; margin: 0px; border:0px; text-align:left; width:65%"><table width="100%" cellspacing="0" cellpadding="1" style="padding:0px; border:0px;margin:0px;"><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><td height="30" align="left" width="100%" valign="bottom" style="padding-right:10px; padding-left:0px; padding-top:0px; padding-bottom:0px; margin:0px; border:0px; text-align:left; line-height: 20px;" ><a href="http://searchallproperties.com/listings/1082222/114-South-King-Street-Magnolia-NJ" style="color:black; text-decoration: none;padding:0px; margin:0px; border:0px; line-height: 20px"><span style="text-decoration: none;margin:0 0 4px;padding:0px;border:0px; line-height: 20px; font-family: 'helvetica neue',sans-serif;font-size: 90%;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: bold;letter-spacing: 3px;line-height: normal;text-transform: uppercase;color:#333333">114 South King Street</span></a></td></tr><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><td height="30" align="left" width="100%" valign="top" style="padding-right:10px; text-align:left; padding-left:0px; padding-top:0px; padding-bottom:0px; margin:0px; border:0px; line-height: 15px;"><a href="http://searchallproperties.com/listings/1082222/114-South-King-Street-Magnolia-NJ" style="color: black; text-decoration: none; padding: 0px; border: 0px none; margin: 0px; line-height: 15px;"><span style="text-decoration: none;margin:0px;padding:0px; border:0px; line-height: 15px;font-family: 'helvetica neue',sans-serif;font-size: 70%;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: bold;letter-spacing: 3px;line-height: normal;text-transform: uppercase;color:#333333">Magnolia, NJ</span></a></td></tr></table></td><td align="right" valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><table width="100%" cellspacing="0" cellpadding="0" style="padding:0px; border:0px;margin:0px;width:100%;vertical-align: middle"><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle" ><td align="center" width="50%" style="padding:0px; border:0px;margin:0px;"><img alt="QR Code" src="http://chart.apis.google.com/chart?cht=qr&chs=177x177&chl=http://searchallproperties.com/Homes/1082222/114-South-King-Street-Magnolia-NJ" width="120" height="120" ></td><td align="left" valign="middle" width="50%" style="color:gray;font-size:12px;padding:0px; border:0px;margin:0px; font-weight: normal; vertical-align: middle; font-family: verdana;text-align:left; line-height: 16px " >Scan with your smartphone & take me with you.</td></tr></table></td>
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<td align="left" width="100%" style="padding-left:0px;border:0px;margin:0px;padding-top:0px; padding-bottom:0px; padding-right:0px"><h1 style="color:gray;font-size:16px; font-weight: normal ">WOW!! AMAZING HOME -- TOTALLY UNIQUE!!</h1></td>
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<tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>$ <a href="http://www.searchallproperties.com/listings/1082222/114-South-King-Street-Magnolia-NJ" target="_blank">Click for current price</a></td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>4 BEDROOMS</td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>3 BATHROOMS (3 full) </td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>1810 Square Feet</td></tr> </table>
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<p> <p>WOW!! AMAZING HOME -- TOTALLY UNIQUE!!This Huge Rancher has it all and then some, from huge rooms to 3 full baths. As you enter this home you walk into the large living room that is an open concept design with the dining room and you will notice the Pergo flooring that sets the tone for this spotless home. Just off the dining room is the step down sun room and the large eat in kitchen with miles of counter space. The Main level features a huge master bedroom with a semi en-suite full bath, across the hall is a large main full bath and down the hall are 2 large bedroom. As you head down stairs you will find a large family room and a large den with a kitchen area along with a huge bedroom. The other side of the basement provides tons of storage, a large workshop and laundry area. All this a sitting on a quiet low traffic dead end street that is walking distance to shopping, dining and fitness. This home allows a tranquil setting that is close to everything from all major roads, PATCO trains to shopping.</p> </p>
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<td align="center" valign="middle" style="padding:0px; border: 0px;margin:0px" ><img src="http://www.listingstoleads.com/system/img/headimgTemplate/1329944646stephen_thb.png" alt="" border="0" style="padding:0px; border:0px;margin:0px;width: 600px" width="600px"/></td>
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</html>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com2tag:blogger.com,1999:blog-1027270781927462587.post-61102767431003341702012-06-19T19:30:00.000-07:002012-06-19T19:30:01.759-07:00231 State Ave, Lindenwold, NJ 08021 Presented by Team Clyde RE/MAX Connection<html>
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<td width="65%" align="left" style="vertical-align: middle;padding-left:10px; padding-top:0px; padding-right:0px; padding-bottom:0px; margin: 0px; border:0px; text-align:left; width:65%"><table width="100%" cellspacing="0" cellpadding="1" style="padding:0px; border:0px;margin:0px;"><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><td height="30" align="left" width="100%" valign="bottom" style="padding-right:10px; padding-left:0px; padding-top:0px; padding-bottom:0px; margin:0px; border:0px; text-align:left; line-height: 20px;" ><a href="http://searchallproperties.com/listings/993070/231-State-Avenue-Lindenwold-NJ" style="color:black; text-decoration: none;padding:0px; margin:0px; border:0px; line-height: 20px"><span style="text-decoration: none;margin:0 0 4px;padding:0px;border:0px; line-height: 20px; font-family: 'helvetica neue',sans-serif;font-size: 90%;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: bold;letter-spacing: 3px;line-height: normal;text-transform: uppercase;color:#333333">231 State Avenue</span></a></td></tr><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><td height="30" align="left" width="100%" valign="top" style="padding-right:10px; text-align:left; padding-left:0px; padding-top:0px; padding-bottom:0px; margin:0px; border:0px; line-height: 15px;"><a href="http://searchallproperties.com/listings/993070/231-State-Avenue-Lindenwold-NJ" style="color: black; text-decoration: none; padding: 0px; border: 0px none; margin: 0px; line-height: 15px;"><span style="text-decoration: none;margin:0px;padding:0px; border:0px; line-height: 15px;font-family: 'helvetica neue',sans-serif;font-size: 70%;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: bold;letter-spacing: 3px;line-height: normal;text-transform: uppercase;color:#333333">Lindenwold, NJ</span></a></td></tr></table></td><td align="right" valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><table width="100%" cellspacing="0" cellpadding="0" style="padding:0px; border:0px;margin:0px;width:100%;vertical-align: middle"><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle" ><td align="center" width="50%" style="padding:0px; border:0px;margin:0px;"><img alt="QR Code" src="http://chart.apis.google.com/chart?cht=qr&chs=177x177&chl=http://searchallproperties.com/Homes/993070/231-State-Avenue-Lindenwold-NJ" width="120" height="120" ></td><td align="left" valign="middle" width="50%" style="color:gray;font-size:12px;padding:0px; border:0px;margin:0px; font-weight: normal; vertical-align: middle; font-family: verdana;text-align:left; line-height: 16px " >Scan with your smartphone & take me with you.</td></tr></table></td>
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<td align="left" style="padding: 6px 5px 7px 5px;background-color: white;"><a href="http://www.searchallproperties.com/listings/993070/231-State-Avenue-Lindenwold-NJ/description" style="color: black;text-decoration: none;font-family:Arial; font-size:9pt;" ><strong>Description</strong></a></td>
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<td align="left" width="100%" style="padding-left:0px;border:0px;margin:0px;padding-top:0px; padding-bottom:0px; padding-right:0px"><h1 style="color:gray;font-size:16px; font-weight: normal ">Historic Home With Modern Updates</h1></td>
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<tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>$ <a href="http://www.searchallproperties.com/listings/993070/231-State-Avenue-Lindenwold-NJ" target="_blank">Click for current price</a></td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>5 BEDROOMS</td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>2 BATHROOMS (2 full) </td></tr> </table>
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<p> <div id="property_description"><span id="property_description_showing"> Old World Charm meets Modern Chic, This lovely Victorian offers 3 to 5 bedroom<wbr></wbr>s, High ceilings, classic & stunning wood work. The hard wood floors, wood trim and character of this home blend seamlessly with the stainless steel appliances, custom modern maple cabinets, sleek counter tops, halogen lighting & stylish designer paint scheme. The openness of the first floor will surprise you, the LR`s volume & wood burning stove make this room perfect & open to the newly remodeled massive eat in kitchen.Lets not forget the 1st flr den/study.Upstairs on the 2nd flr you will find 3 large bedroom including a master with its own veranda & separate… </span> <span class="hidden" id="property_description_drawer"> sitting area, charming main bath has been remodeled, the 3rd flr you will find a great sitting area plus 2 additional large rooms. Anderson Windows t/o the home,the architectural roof was upgraded about 8 yrs ago, nice deck off the kitchen, all this & a large corner lot.New Heater installed 4 years ago. This home is move in ready and just waiting for someone to make it a home </span></div>
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<td align="center" valign="middle" style="padding:0px; border: 0px;margin:0px" ><img src="http://www.listingstoleads.com/system/img/headimgTemplate/1329944646stephen_thb.png" alt="" border="0" style="padding:0px; border:0px;margin:0px;width: 600px" width="600px"/></td>
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</html>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0tag:blogger.com,1999:blog-1027270781927462587.post-60587944977221620012012-06-19T12:42:00.000-07:002012-06-19T12:42:00.157-07:00529 Somerset St, Gloucester City, NJ 08030 Presented by Team Clyde RE/MAx Connection<html>
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<td width="65%" align="left" style="vertical-align: middle;padding-left:10px; padding-top:0px; padding-right:0px; padding-bottom:0px; margin: 0px; border:0px; text-align:left; width:65%"><table width="100%" cellspacing="0" cellpadding="1" style="padding:0px; border:0px;margin:0px;"><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><td height="30" align="left" width="100%" valign="bottom" style="padding-right:10px; padding-left:0px; padding-top:0px; padding-bottom:0px; margin:0px; border:0px; text-align:left; line-height: 20px;" ><a href="http://searchallproperties.com/listings/993068/529-Somerset-Street-Gloucester-City-NJ" style="color:black; text-decoration: none;padding:0px; margin:0px; border:0px; line-height: 20px"><span style="text-decoration: none;margin:0 0 4px;padding:0px;border:0px; line-height: 20px; font-family: 'helvetica neue',sans-serif;font-size: 90%;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: bold;letter-spacing: 3px;line-height: normal;text-transform: uppercase;color:#333333">529 Somerset Street</span></a></td></tr><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><td height="30" align="left" width="100%" valign="top" style="padding-right:10px; text-align:left; padding-left:0px; padding-top:0px; padding-bottom:0px; margin:0px; border:0px; line-height: 15px;"><a href="http://searchallproperties.com/listings/993068/529-Somerset-Street-Gloucester-City-NJ" style="color: black; text-decoration: none; padding: 0px; border: 0px none; margin: 0px; line-height: 15px;"><span style="text-decoration: none;margin:0px;padding:0px; border:0px; line-height: 15px;font-family: 'helvetica neue',sans-serif;font-size: 70%;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: bold;letter-spacing: 3px;line-height: normal;text-transform: uppercase;color:#333333">Gloucester City, NJ</span></a></td></tr></table></td><td align="right" valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><table width="100%" cellspacing="0" cellpadding="0" style="padding:0px; border:0px;margin:0px;width:100%;vertical-align: middle"><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle" ><td align="center" width="50%" style="padding:0px; border:0px;margin:0px;"><img alt="QR Code" src="http://chart.apis.google.com/chart?cht=qr&chs=177x177&chl=http://searchallproperties.com/Homes/993068/529-Somerset-Street-Gloucester-City-NJ" width="120" height="120" ></td><td align="left" valign="middle" width="50%" style="color:gray;font-size:12px;padding:0px; border:0px;margin:0px; font-weight: normal; vertical-align: middle; font-family: verdana;text-align:left; line-height: 16px " >Scan with your smartphone & take me with you.</td></tr></table></td>
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<td align="left" style="padding: 6px 5px 7px 5px;background-color: white;"><a href="http://www.searchallproperties.com/listings/993068/529-Somerset-Street-Gloucester-City-NJ/description" style="color: black;text-decoration: none;font-family:Arial; font-size:9pt;" ><strong>Description</strong></a></td>
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<td align="left" width="100%" style="padding-left:0px;border:0px;margin:0px;padding-top:0px; padding-bottom:0px; padding-right:0px"><h1 style="color:gray;font-size:16px; font-weight: normal ">UNBELIEVABLY PRESERVED ARCHITECTURE!</h1></td>
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<tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>$ <a href="http://www.searchallproperties.com/listings/993068/529-Somerset-Street-Gloucester-City-NJ" target="_blank">Click for current price</a></td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>7 BEDROOMS</td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>4 BATHROOMS (4 full) </td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>2974 Square Feet</td></tr> </table>
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<p> <div id="property_description"><span id="property_description_showing"> What a beautiful Victorian Home. If you always wanted to be in a Victorian hom<wbr></wbr>e and you needed it to be affordable, you have just found the home of your dreams. A front wrap around porch greets you with front wrought-iron railing surrounding this marvelous home. All the charm of an older home with hardwood floors, 10 ft ceilings on main level, pocket doors and rounded archways, dual staircase. This home is technically 7 bedrooms and 3.5 baths, with a walk out basement and 2 car carport and many other rooms. It is approximately 3,300 square feet. This home also has quite a little back yard and is in the center of everything. Be in Philadelphia… </span> <span class="hidden" id="property_description_drawer"> in 5 minutes. The Sellers have painted the outside, installed central air (lower level only)with newer wall units in bedrooms, an alarm system, and a modified master suite and so much more. (7th bedroom measures 15 x 10 on upper level) </span></div>
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<td align="center" valign="middle" style="padding:0px; border: 0px;margin:0px" ><img src="http://www.listingstoleads.com/system/img/headimgTemplate/1329944646stephen_thb.png" alt="" border="0" style="padding:0px; border:0px;margin:0px;width: 600px" width="600px"/></td>
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</html>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0tag:blogger.com,1999:blog-1027270781927462587.post-54149287751093016042012-06-19T08:00:00.000-07:002012-06-19T08:00:03.729-07:00305 Tuckahoe Rd, Sewell, NJ 08080 Investment Property Presented by TeamClyde<html>
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<td width="65%" align="left" style="vertical-align: middle;padding-left:10px; padding-top:0px; padding-right:0px; padding-bottom:0px; margin: 0px; border:0px; text-align:left; width:65%"><table width="100%" cellspacing="0" cellpadding="1" style="padding:0px; border:0px;margin:0px;"><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><td height="30" align="left" width="100%" valign="bottom" style="padding-right:10px; padding-left:0px; padding-top:0px; padding-bottom:0px; margin:0px; border:0px; text-align:left; line-height: 20px;" ><a href="http://searchallproperties.com/listings/1048927/305-Tuckahoe-Road-Sewell-NJ" style="color:black; text-decoration: none;padding:0px; margin:0px; border:0px; line-height: 20px"><span style="text-decoration: none;margin:0 0 4px;padding:0px;border:0px; line-height: 20px; font-family: 'helvetica neue',sans-serif;font-size: 90%;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: bold;letter-spacing: 3px;line-height: normal;text-transform: uppercase;color:#333333">305 Tuckahoe Road</span></a></td></tr><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><td height="30" align="left" width="100%" valign="top" style="padding-right:10px; text-align:left; padding-left:0px; padding-top:0px; padding-bottom:0px; margin:0px; border:0px; line-height: 15px;"><a href="http://searchallproperties.com/listings/1048927/305-Tuckahoe-Road-Sewell-NJ" style="color: black; text-decoration: none; padding: 0px; border: 0px none; margin: 0px; line-height: 15px;"><span style="text-decoration: none;margin:0px;padding:0px; border:0px; line-height: 15px;font-family: 'helvetica neue',sans-serif;font-size: 70%;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: bold;letter-spacing: 3px;line-height: normal;text-transform: uppercase;color:#333333">Sewell, NJ</span></a></td></tr></table></td><td align="right" valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><table width="100%" cellspacing="0" cellpadding="0" style="padding:0px; border:0px;margin:0px;width:100%;vertical-align: middle"><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle" ><td align="center" width="50%" style="padding:0px; border:0px;margin:0px;"><img alt="QR Code" src="http://chart.apis.google.com/chart?cht=qr&chs=177x177&chl=http://searchallproperties.com/Homes/1048927/305-Tuckahoe-Road-Sewell-NJ" width="120" height="120" ></td><td align="left" valign="middle" width="50%" style="color:gray;font-size:12px;padding:0px; border:0px;margin:0px; font-weight: normal; vertical-align: middle; font-family: verdana;text-align:left; line-height: 16px " >Scan with your smartphone & take me with you.</td></tr></table></td>
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<td align="left" style="padding: 6px 5px 7px 5px;background-color: white;"><a href="http://www.searchallproperties.com/listings/1048927/305-Tuckahoe-Road-Sewell-NJ/description" style="color: black;text-decoration: none;font-family:Arial; font-size:9pt;" ><strong>Description</strong></a></td>
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<td align="left" width="100%" style="padding-left:0px;border:0px;margin:0px;padding-top:0px; padding-bottom:0px; padding-right:0px"><h1 style="color:gray;font-size:16px; font-weight: normal ">Unique Turn Key Investment Property in Washington twp NJ</h1></td>
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<tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>$ <a href="http://www.searchallproperties.com/listings/1048927/305-Tuckahoe-Road-Sewell-NJ" target="_blank">Click for current price</a></td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>3 BEDROOMS</td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>2 BATHROOMS (2 full) </td></tr> </table>
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<p> <p><span id="property_description_showing"> This home is completely renovated! Newer Hardwood Floors throughout, newer roo<wbr></wbr>f, newer baths, newer appliances, new HVAC, new hot water heater, Freshly painted inside and out. A Huge Master Bedroom with en-suite bath, and walk in closet. Full walk out basement. a walk up attic that is just asking to be finished as additional living space. Situated on a corner lot and the property is being sold with additional lot that allows access to highland. Making this property a perfect home office or convert to a commercial property with parking access from Highland. Property is currently rented at $1350 per month and the tenant would love to stay.… </span> <span class="hidden" id="property_description_drawer"> This property qualifies for EquityLock Solutions, "Home Price Protection" ask for more details on this amazing opportunity. </span></p> </p>
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<td align="center" valign="middle" style="padding:0px; border: 0px;margin:0px" ><img src="http://www.listingstoleads.com/system/img/headimgTemplate/1329944646stephen_thb.png" alt="" border="0" style="padding:0px; border:0px;margin:0px;width: 600px" width="600px"/></td>
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<tr style="padding:0px; border: 0px;margin:0px"><td style="padding:0px; border: 0px;margin:0px" align="right"><img src="http://www.listingstoleads.com/adviewscounterspw.php?Lid=1048927&s="><a href="http://www.listingstoleads.com" style="text-decoration:none; color:lightgray;font-family: verdana; font-size:12px" target="_blank">L2L</a></td></tr>
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</html>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com1tag:blogger.com,1999:blog-1027270781927462587.post-50282122949736955472012-06-18T20:00:00.000-07:002012-06-18T20:00:05.986-07:00604 Barclay Walk, Cherry Hill, NJ 08034 Presented by Team Clyde RE/MAX Connection<html>
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<tr style="padding:0px; border: 0px;margin:0px;"><td align="right" style="margin:0px;padding-top:20px; padding-right:10px; padding-left:5px; padding-bottom:5px; border:0px; color:white; font-family: verdana; font-size:11px; text-decoration: none;text-align: right; font-style: italic; line-height:15px">Information valid for the date of this posting only. Please contact us for the most current information and status of this property.</td></tr>
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<td width="65%" align="left" style="vertical-align: middle;padding-left:10px; padding-top:0px; padding-right:0px; padding-bottom:0px; margin: 0px; border:0px; text-align:left; width:65%"><table width="100%" cellspacing="0" cellpadding="1" style="padding:0px; border:0px;margin:0px;"><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><td height="30" align="left" width="100%" valign="bottom" style="padding-right:10px; padding-left:0px; padding-top:0px; padding-bottom:0px; margin:0px; border:0px; text-align:left; line-height: 20px;" ><a href="http://searchallproperties.com/listings/993065/604-Barclay-Walk-Cherry-Hill-NJ" style="color:black; text-decoration: none;padding:0px; margin:0px; border:0px; line-height: 20px"><span style="text-decoration: none;margin:0 0 4px;padding:0px;border:0px; line-height: 20px; font-family: 'helvetica neue',sans-serif;font-size: 90%;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: bold;letter-spacing: 3px;line-height: normal;text-transform: uppercase;color:#333333">604 Barclay Walk</span></a></td></tr><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><td height="30" align="left" width="100%" valign="top" style="padding-right:10px; text-align:left; padding-left:0px; padding-top:0px; padding-bottom:0px; margin:0px; border:0px; line-height: 15px;"><a href="http://searchallproperties.com/listings/993065/604-Barclay-Walk-Cherry-Hill-NJ" style="color: black; text-decoration: none; padding: 0px; border: 0px none; margin: 0px; line-height: 15px;"><span style="text-decoration: none;margin:0px;padding:0px; border:0px; line-height: 15px;font-family: 'helvetica neue',sans-serif;font-size: 70%;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: bold;letter-spacing: 3px;line-height: normal;text-transform: uppercase;color:#333333">Cherry Hill, NJ</span></a></td></tr></table></td><td align="right" valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><table width="100%" cellspacing="0" cellpadding="0" style="padding:0px; border:0px;margin:0px;width:100%;vertical-align: middle"><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle" ><td align="center" width="50%" style="padding:0px; border:0px;margin:0px;"><img alt="QR Code" src="http://chart.apis.google.com/chart?cht=qr&chs=177x177&chl=http://searchallproperties.com/Homes/993065/604-Barclay-Walk-Cherry-Hill-NJ" width="120" height="120" ></td><td align="left" valign="middle" width="50%" style="color:gray;font-size:12px;padding:0px; border:0px;margin:0px; font-weight: normal; vertical-align: middle; font-family: verdana;text-align:left; line-height: 16px " >Scan with your smartphone & take me with you.</td></tr></table></td>
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<td align="left" style="padding: 6px 5px 7px 5px;background-color: white;"><a href="http://www.searchallproperties.com/listings/993065/604-Barclay-Walk-Cherry-Hill-NJ/description" style="color: black;text-decoration: none;font-family:Arial; font-size:9pt;" ><strong>Description</strong></a></td>
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<td align="left" width="100%" style="padding-left:0px;border:0px;margin:0px;padding-top:0px; padding-bottom:0px; padding-right:0px"><h1 style="color:gray;font-size:16px; font-weight: normal ">Great Investment in Cherry Hill the Success Address</h1></td>
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<p> <p>Easy Living in the Heart of Cherry Hill, close to all major roads and shopping<wbr></wbr>. This lovely 2 story town home features 2 large bedrooms, 1.5 baths eat in kitchen neutral through out. all this and a Deck. The property is currently rented with a good tenant that would love to stay. The Monthly rent is $1300 which is a Cap rate of 5.17 and a Gross rent Multiplier of 10.22</p> </p>
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<td align="center" valign="middle" style="padding:0px; border: 0px;margin:0px" ><img src="http://www.listingstoleads.com/system/img/headimgTemplate/1329944646stephen_thb.png" alt="" border="0" style="padding:0px; border:0px;margin:0px;width: 600px" width="600px"/></td>
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<tr style="padding:0px; border: 0px;margin:0px"><td style="padding:0px; border: 0px;margin:0px" align="right"><img src="http://www.listingstoleads.com/adviewscounterspw.php?Lid=993065&s="><a href="http://www.listingstoleads.com" style="text-decoration:none; color:lightgray;font-family: verdana; font-size:12px" target="_blank">L2L</a></td></tr>
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</html>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0tag:blogger.com,1999:blog-1027270781927462587.post-13126832975935745882012-06-18T13:03:00.001-07:002012-06-18T13:04:36.630-07:00207 Roosevelt Blvd Berlin, NJ 08009<html>
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<td style="padding:8px; border: 0px; margin:0px; line-height: 15px; text-align:right;"><a href="http://www.listingstoleads.com/view_property_contact.php?Lid=TVRBNE9UazJNQSUzRCUzRA%3D%3D&from=VTFCWFJnJTNEJTNE" target="_blank" style="color:white; font-family: verdana; font-size:11px; text-decoration: none; padding:0px; border:0px; margin: 0px" target="_blank">Schedule a Showing/Request Info</a></td>
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<td width="65%" align="left" style="vertical-align: middle;padding-left:10px; padding-top:0px; padding-right:0px; padding-bottom:0px; margin: 0px; border:0px; text-align:left; width:65%"><table width="100%" cellspacing="0" cellpadding="1" style="padding:0px; border:0px;margin:0px;"><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><td height="30" align="left" width="100%" valign="bottom" style="padding-right:10px; padding-left:0px; padding-top:0px; padding-bottom:0px; margin:0px; border:0px; text-align:left; line-height: 20px;" ><a href="http://searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ" style="color:black; text-decoration: none;padding:0px; margin:0px; border:0px; line-height: 20px"><span style="text-decoration: none;margin:0 0 4px;padding:0px;border:0px; line-height: 20px; font-family: 'helvetica neue',sans-serif;font-size: 90%;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: bold;letter-spacing: 3px;line-height: normal;text-transform: uppercase;color:#333333">207 Roosevelt Boulevard</span></a></td></tr><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><td height="30" align="left" width="100%" valign="top" style="padding-right:10px; text-align:left; padding-left:0px; padding-top:0px; padding-bottom:0px; margin:0px; border:0px; line-height: 15px;"><a href="http://searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ" style="color: black; text-decoration: none; padding: 0px; border: 0px none; margin: 0px; line-height: 15px;"><span style="text-decoration: none;margin:0px;padding:0px; border:0px; line-height: 15px;font-family: 'helvetica neue',sans-serif;font-size: 70%;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: bold;letter-spacing: 3px;line-height: normal;text-transform: uppercase;color:#333333">Berlin, NJ</span></a></td></tr></table></td><td align="right" valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><table width="100%" cellspacing="0" cellpadding="0" style="padding:0px; border:0px;margin:0px;width:100%;vertical-align: middle"><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle" ><td align="center" width="50%" style="padding:0px; border:0px;margin:0px;"><img alt="QR Code" src="http://chart.apis.google.com/chart?cht=qr&chs=177x177&chl=http://searchallproperties.com/Homes/1089960/207-Roosevelt-Boulevard-Berlin-NJ" width="120" height="120" ></td><td align="left" valign="middle" width="50%" style="color:gray;font-size:12px;padding:0px; border:0px;margin:0px; font-weight: normal; vertical-align: middle; font-family: verdana;text-align:left; line-height: 16px " >Scan with your smartphone & take me with you.</td></tr></table></td>
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<td align="left" style="padding: 6px 5px 7px 5px;background-color: white;"><a href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ/description" style="color: black;text-decoration: none;font-family:Arial; font-size:9pt;" ><strong>Description</strong></a></td>
<td align="left"><a style="font-family:Arial; font-size:9pt;color: white;border-top: 0px solid #636D76;border-bottom: 0px solid #636D76;border-right: 0px solid #E1D9C3;border-left: 0px solid #E1D9C3;padding: 6px 5px 7px 5px;text-decoration: none;" href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ/feature"><strong>Features</strong></a></td>
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<td align="left"><a style="font-family:Arial; font-size:9pt;color: white;border-top: 0px solid #636D76;border-bottom: 0px solid #636D76;border-right: 0px solid #E1D9C3;border-left: 0px solid #E1D9C3;padding: 6px 5px 7px 5px;text-decoration: none;" href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ/map"><strong>Maps & Local</strong></a></td>
<td align="left"><a style="font-family:Arial; font-size:9pt;color: white;border-top: 0px solid #636D76;border-bottom: 0px solid #636D76;border-right: 0px solid #E1D9C3;border-left: 0px solid #E1D9C3;padding: 6px 5px 7px 5px;text-decoration: none;" href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ/schools"><strong>Schools</strong></a></td>
<td align="left"><a style="font-family:Arial; font-size:9pt;color: white;border-top: 0px solid #636D76;border-bottom: 0px solid #636D76;border-right: 0px solid #E1D9C3;border-left: 0px solid #E1D9C3;padding: 6px 5px 7px 5px;text-decoration: none;" href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ/vtour"><strong>Virtual Tour</strong></a></td>
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<td align="left" width="100%" style="padding-left:0px;border:0px;margin:0px;padding-top:0px; padding-bottom:0px; padding-right:0px"><h1 style="color:gray;font-size:16px; font-weight: normal ">Peaceful And Friendly Neighborhood!</h1></td>
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<tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>$ <a href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ" target="_blank">Click for current price</a></td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>3 BEDROOMS</td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>3 BATHROOMS (2 full, 1 half) </td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>1994 Square Feet</td></tr> </table>
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<p> <div id="property_description"><span id="property_description_showing"> Beautiful And Open Describes This 3 Bedroom 2.5 Bath Town home Located in an a<wbr></wbr>ward winning community, Situated On An Over sized Lot. This Open Floor Plan Lends Its Self To Large Gatherings And Entertaining. A Two Story Foyer Sets The Mode As You Enter This Home, Stepping Up To A Great Room with decorator custom paint, designer light fixtures, chair rail and Crown Molding and Brazilian Cherry Hard Wood Floors. First Floor Den Features A Window Seat. A Full Finished Basement with recessed lighting and Plenty Of Room For A Play Room,Rec Room Or Theater, Leaving Ample Space For Storage. The large Master Suite Features Cathedral Ceilings A huge… </span> <span class="hidden" id="property_description_drawer"> Master Bath With A Garden Tub, Stall Shower, His And Her Vanities And Walk In Closet. Two Additional Bedrooms, One With A Charming Window Seat.The Massive Back Yard is fenced, custom patio with sweeping curves, and a custom awning that provides comfortable shade on those lazy afternoons. The front yard is professionally landscaped. Walking distance to Fields and school </span></div> </p>
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<td align="center" valign="middle" style="padding:0px; border: 0px;margin:0px" ><img src="http://www.listingstoleads.com/system/img/headimgTemplate/1329944646stephen_thb.png" alt="" border="0" style="padding:0px; border:0px;margin:0px;width: 600px" width="600px"/></td>
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<tr style="padding:0px; border: 0px;margin:0px"><td style="padding:0px; border: 0px;margin:0px" align="right"><img src="http://www.listingstoleads.com/adviewscounterspw.php?Lid=1089960&s="><a href="http://www.listingstoleads.com" style="text-decoration:none; color:lightgray;font-family: verdana; font-size:12px" target="_blank">L2L</a></td></tr>
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</html>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0tag:blogger.com,1999:blog-1027270781927462587.post-88937132503225131692012-06-07T07:46:00.000-07:002012-06-07T07:46:27.980-07:004 ways distressed homeowners can start freshMood of the Market<br />
<br />
Clearly, thankfully, the market is looking up. Way up, actually.<br />
<br />
In many markets including Berlin and Voorhees, tales of multiple offers and a dearth of homes vis-à-vis the numbers of buyers who want them are becoming commonplace. Now, many analysts point to the banks' intentional decision to keep many <a class="zem_slink" href="http://www.business.com/real-estate/foreclosures/" title="Foreclosures" rel="businesscom" target="_blank">foreclosures</a> off the market as artificially driving this demand.<br />
<br />
But if you're a seller in Berlin or Voorhees in today's market, the dynamics underlying the demand are much less important than the fact that your chances of getting your home sold at a good price are better than they have been in a long, long time.<br />
<br />
The news for buyers is not all bad, either: For the first time in a long while, buyers are not faced with the double-edged sword prospect of buying into a declining market; appraisals are coming in at the agreed-upon purchase price; and <a class="zem_slink" href="http://www.business.com/finance/mortgages/" title="Mortgages" rel="businesscom" target="_blank">mortgage rates</a> are still uber-low (fingers-crossed).<br />
<br />
But with all this fresh market optimism, there is an ugly elephant in our collective room, which is that many, many <a class="zem_slink" href="http://www.insurance.com/home-and-renters-insurance.aspx" title="Home insurance quote" rel="insurancecom" target="_blank">homeowners</a> and former homeowners are still dealing with the lingering remnants of the <a class="zem_slink" href="http://www.wikinvest.com/concept/Subprime_lending" title="Subprime lending" rel="wikinvest" target="_blank">subprime market</a> mess and the real estate recession. Many are still upside down, still struggling to make the too-high payments on loans left over from the last peak of the market or trying to recover financially and otherwise from a recession-era foreclosure or <a class="zem_slink" href="http://en.wikipedia.org/wiki/Short_sale_%28real_estate%29" title="Short sale (real estate)" rel="wikipedia" target="_blank">short sale</a>.<br />
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For those folks -- a huge, if silent, number -- here are four routes to a fresh slate:<br />
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1. Sell. Fact is, the vast majority of underwater homeowners who could stay put did. Walking away was very much the exception and not the rule. The result? There are hundreds of thousands of homeowners out there with homes that lost value during the recession who are still holding on to subprime loans that have long since reset. While these loans' rates tend to be low, if you had a short-term, interest-only, adjustable-rate mortgage in 2005 or 2006, chances are good that your payment actually increased steeply when you were required to begin paying the principal.<br />
<br />
For sellers who have scrimped and saved, taken on second jobs, rented out rooms or allowed important expenses like property taxes or other bills to go unpaid in order to make a too-high mortgage payment, the current market dynamics may present a good opportunity to divest of an unsustainable mortgage obligation by selling or even <a class="zem_slink" href="http://en.wikipedia.org/wiki/Short_%28finance%29" title="Short (finance)" rel="wikipedia" target="_blank">short-selling</a> the place.<br />
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Buyers are out en masse and prices are on the rise, meaning that you might not be as upside down as you were last year or the year before. Banks are moving short sales through much more quickly and efficiently than in years' past (though never as quickly or efficiently as we'd hope).<br />
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The income tax exemption on debt forgiven through a short sale is still valid through the end of this year (an extension is probable, but by no means guaranteed).<br />
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If you know or believe that your current home is simply too expensive for you to afford with financial integrity, and there is no end in sight, talk with a local agent and a tax professional about how you might be able to get a clean slate by selling the home.<br />
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2. Settle old seconds and <a class="zem_slink" href="http://en.wikipedia.org/wiki/Home_equity_line_of_credit" title="Home equity line of credit" rel="wikipedia" target="_blank">HELOCs</a>. If you lost a home to foreclosure in a nonrecourse state and you had a second mortgage or home equity line of credit, it's entirely possible that your second is still a lingering debt. (Your first mortgage can foreclose and repossess the home, leaving the second mortgagor holding nothing but paper.) Many second-mortgage holders are not actively collecting on these loans, but they simply stay on your <a class="zem_slink" href="http://www.business.com/finance/credit-reports/" title="Credit Reports" rel="businesscom" target="_blank">credit reports</a> and eventually rear their ugly heads when the time comes for you to try to qualify for a car or a mortgage.<br />
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Some recommend bankruptcy as an expedient way of extinguishing these loans for little or nothing, but the blemish bankruptcy leaves on your credit may defeat the purpose of getting rid of the old loan in the first place. I've been talking with some of these banks and servicers, and many of the banks will settle these unsecured <a class="zem_slink" href="http://en.wikipedia.org/wiki/Second_mortgage" title="Second mortgage" rel="wikipedia" target="_blank">second mortgages</a> or home equity lines of credit for as low as 10 or 20 percent of the outstanding balance.<br />
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Contact the servicer of your former home's second or HELOC to discuss a settlement. Again, the taxes you would normally pay on the forgiven debt will be exempt through the end of this year, for most borrowers, so if you can settle this soon, it's in your best interest to do so. If you don't know what bank or servicer even manages this loan (many are sold and resold), check your credit report and seeing who is reporting the debt, if anyone, or take out your old documents with the loan number and researching the trail starting with your original servicer.<br />
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3. Check your credit reports and dispute expired derogatories. It might be hard to believe, but the first foreclosures from the last real estate recession began happening circa 2005-2006, so they are set to be timing off of credit reports right about now. If you had an early-recession foreclosure or short sale, check your credit reports now to ensure that they are being reported correctly, or not at all, if the seven-year expiration time frame has run. In fact, even if your short sale or foreclosure was not that early, it may make sense to pull your credit reports and understand how things are being reported and the impact these items are having on your credit score. You might be surprised, in one direction or the other.<br />
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4. Refinance and lock in low rates. If you lost value in your home during the recession, it might have been nearly impossible to refinance it to take advantage of lower rates and bring your payment down. With sales prices on the upswing and rates still low, though, you may have a new opportunity to refinance a "bad" loan and lock it in a today's uber-low rates.<div class="zemanta-related"><h6 class="zemanta-related-title" style="font-size: 1em; margin: 1em 0pt 0pt;">Related articles</h6><ul class="zemanta-article-ul"><li class="zemanta-article-ul-li"><a href="http://www.lexingtonlaw.com/blog/credit-repair/how-does-a-short-sale-or-a-foreclosure-impact-your-credit-score.html" target="_blank">How Does a Short Sale or a Foreclosure Impact Your Credit Score</a> (lexingtonlaw.com)</li>
<li class="zemanta-article-ul-li"><a href="http://www.lexingtonlaw.com/blog/mortgage/loan-modification-not-option.html" target="_blank">Loan Modification Might Not Be an Option</a> (lexingtonlaw.com)</li>
<li class="zemanta-article-ul-li"><a href="http://www.mortgagerefinancerates.org/how-to-avoid-foreclosure.php" target="_blank">Making Home Affordable Explained | MortgageRefinanceRates.org</a> (mortgagerefinancerates.org)</li>
</ul></div><div style="margin-top:10px;height:15px" class="zemanta-pixie"><a class="zemanta-pixie-a" href="http://www.zemanta.com/?px" title="Enhanced by Zemanta"><img style="border:none;float:right" class="zemanta-pixie-img" src="http://img.zemanta.com/zemified_e.png?x-id=3fecd64f-fc99-4751-978c-6cdcf72cbf1d" alt="Enhanced by Zemanta"></a></div>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0Berlin, NJ, USA39.7912261 -74.92905359999997539.7746531 -74.958130599999976 39.807799100000004 -74.899976599999974tag:blogger.com,1999:blog-1027270781927462587.post-37884780755052855752012-06-02T06:53:00.000-07:002012-06-02T06:53:28.302-07:00207 Roosevelt Blvd, berlin NJ 08009...Open House....Presented by Team Clyde RE/MAX Connection<table style="border:0px;padding:0px;margin:0px;background-color: white;" cellpadding="0" cellspacing="0" width="634px"><tbody>
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OPEN HOUSE, June 03, Sunday 1:00 PM - 3:00 PM<br />
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207 <a class="zem_slink" href="http://en.wikipedia.org/wiki/Roosevelt_Boulevard_%28Philadelphia%29" title="Roosevelt Boulevard (Philadelphia)" rel="wikipedia" target="_blank">Roosevelt Boulevard</a>, <a class="zem_slink" href="http://maps.google.com/maps?ll=39.7941666667,-74.9375&spn=0.1,0.1&q=39.7941666667,-74.9375%20%28Berlin%2C%20New%20Jersey%29&t=h" title="Berlin, New Jersey" rel="geolocation" target="_blank">Berlin, NJ</a> </td> </tr>
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<tr style="padding:0;margin:0;border:0"> <td style="padding: 6px 5px 7px 5px;background-color: white;" align="left" height="30"><a href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ/description" style="color: black;text-decoration: none;font-family:Arial; font-size:9pt;"><strong>Description</strong></a></td> <td style="padding:0;margin:0;border:0" align="left" height="30"><a style="font-family:Arial; font-size:9pt;color: white;border-top: 0px solid #636D76;border-bottom: 0px solid #636D76;border-right: 0px solid #E1D9C3;border-left: 0px solid #E1D9C3;padding: 6px 5px 7px 5px;text-decoration: none;" href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ/feature"><strong>Features</strong></a></td> <td style="padding:0;margin:0;border:0" align="left" height="30"><a style="font-family:Arial; font-size:9pt;color: white;border-top: 0px solid #636D76;border-bottom: 0px solid #636D76;border-right: 0px solid #E1D9C3;border-left: 0px solid #E1D9C3;padding: 6px 5px 7px 5px;text-decoration: none;" href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ/photos"><strong>Photos</strong></a></td> <td style="padding:0;margin:0;border:0" align="left" height="30"><a style="font-family:Arial; font-size:9pt;color: white;border-top: 0px solid #636D76;border-bottom: 0px solid #636D76;border-right: 0px solid #E1D9C3;border-left: 0px solid #E1D9C3;padding: 6px 5px 7px 5px;text-decoration: none;" href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ/map"><strong>Maps & Local</strong></a></td> <td style="padding:0;margin:0;border:0" align="left" height="30"><a style="font-family:Arial; font-size:9pt;color: white;border-top: 0px solid #636D76;border-bottom: 0px solid #636D76;border-right: 0px solid #E1D9C3;border-left: 0px solid #E1D9C3;padding: 6px 5px 7px 5px;text-decoration: none;" href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ/schools"><strong>Schools</strong></a></td> <td style="padding:0;margin:0;border:0" align="left" height="30"><a style="font-family:Arial; font-size:9pt;color: white;border-top: 0px solid #636D76;border-bottom: 0px solid #636D76;border-right: 0px solid #E1D9C3;border-left: 0px solid #E1D9C3;padding: 6px 5px 7px 5px;text-decoration: none;" href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ/vtour"><strong>Virtual Tour</strong></a></td> </tr>
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<tr style="padding:0; margin: 0px; border:0px"><td style="font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding-top:0px;padding-bottom:5;padding-left:0;padding-right:0; margin: 0px; border:0px; color:gray" align="left">3 BEDROOMS</td></tr>
<tr style="padding:0; margin: 0px; border:0px"><td style="font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding-top:0px;padding-bottom:5;padding-left:0;padding-right:0; margin: 0px; border:0px; color:gray" align="left">3 BATHROOMS (2 full, 1 half) </td></tr>
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<div id="property_description"><span id="property_description_showing"> Beautiful And Open Describes This 3 Bedroom 2.5 Bath Town home Located in an a<wbr>ward winning community, Situated On An Over sized Lot. This Open Floor Plan Lends Its Self To Large Gatherings And Entertaining. A Two Story Foyer Sets The Mode As You Enter This Home, Stepping Up To A Great Room with decorator custom paint, designer light fixtures, chair rail and Crown Molding and Brazilian Cherry Hard Wood Floors. First Floor Den Features A Window Seat. A Full Finished Basement with recessed lighting and Plenty Of Room For A Play Room,Rec Room Or Theater, Leaving Ample Space For Storage. The large Master Suite Features Cathedral Ceilings A huge… </span> <span class="hidden" id="property_description_drawer"> Master Bath With A Garden Tub, Stall Shower, His And Her Vanities And Walk In Closet. Two Additional Bedrooms, One With A Charming Window Seat.The Massive Back Yard is fenced, custom patio with sweeping curves, and a custom awning that provides comfortable shade on those lazy afternoons. The front yard is professionally landscaped. Walking distance to Fields and school </span></div></td> </tr>
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</tbody></table><div style="margin-top:10px;height:15px" class="zemanta-pixie"><a class="zemanta-pixie-a" href="http://www.zemanta.com/?px" title="Enhanced by Zemanta"><img style="border:none;float:right" class="zemanta-pixie-img" src="http://img.zemanta.com/zemified_e.png?x-id=7525e49d-dda0-49d1-a003-4e7092882fb9" alt="Enhanced by Zemanta"></a></div>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com1tag:blogger.com,1999:blog-1027270781927462587.post-70828921112795142312012-05-27T04:42:00.002-07:002012-05-27T04:42:00.113-07:00Remembering on Memorial Day and Showing Gratitude to those that made the ultimate SacrificeAs we stand here looking<br />
At the <a class="zem_slink" href="http://en.wikipedia.org/wiki/Flag" rel="wikipedia" target="_blank" title="Flag">flags</a> upon these graves<img _mce_src="http://content.remax-nj.com/dyna_images/agents/46/149853/20120525043556.jpg" _mce_style="float: right;" alt="memorial day" border="0" height="300" src="http://content.remax-nj.com/dyna_images/agents/46/149853/20120525043556.jpg" style="float: right;" title="memorial day" width="372" /><br />
Know these flags represent<br />
A few of the true <a class="zem_slink" href="http://maps.google.com/maps?ll=38.8833333333,-77.0166666667&spn=10.0,10.0&q=38.8833333333,-77.0166666667%20%28United%20States%29&t=h" rel="geolocation" target="_blank" title="United States">American</a> brave<br />
<br />
They fought for their Country<br />
As man has through all of time<br />
Except that these <a class="zem_slink" href="http://en.wikipedia.org/wiki/Soldier" rel="wikipedia" target="_blank" title="Soldier">soldiers</a> lying here<br />
Fought for your country and mine<br />
<br />
As we all are gathered here<br />
To pay them our respect<br />
Let's pass this word to others <br />
It's what they would expect<br />
<br />
I'm sure that they would do it<br />
If it were me or you<br />
To show we did not die in vein<br />
But for the red, white and blue.<br />
<br />
Let's pass on to our children<br />
And to those who never knew<br />
What these soldiers died for<br />
It's the least we can do<br />
<br />
Let's not forget their families<br />
<a class="zem_slink" href="http://en.wikipedia.org/wiki/Great_Comet" rel="wikipedia" target="_blank" title="Great Comet">Great</a> pain they had to bear<br />
Losing a son, father or husband<br />
They need to know we still care<br />
<br />
No matter which war was fought<br />
On the day that they died<br />
I stand here looking at these flags<br />
Filled with American pride.<br />
<br />
So as the bugler plays out <a class="zem_slink" href="http://en.wikipedia.org/wiki/Taps" rel="wikipedia" target="_blank" title="Taps">Taps</a><br />
With its sweet and eerie sound<br />
Pray for these soldiers lying here<br />
In this sacred, hallowed ground.<br />
<br />
Take home with you a sense of pride<br />
You were here <a class="zem_slink" href="http://www.history.com/topics/memorial-day-history" rel="historycom" target="_blank" title="Memorial Day">Memorial</a> Day.<br />
Celebrating the way Americans should <br />
On this solemnest of days. <br />
<div class="zemanta-pixie" style="height: 15px; margin-top: 10px;"><a class="zemanta-pixie-a" href="http://www.zemanta.com/?px" title="Enhanced by Zemanta"><img alt="Enhanced by Zemanta" class="zemanta-pixie-img" src="http://img.zemanta.com/zemified_e.png?x-id=ab311c19-be2f-4a61-9834-a8f435e061e0" style="border: none; float: right;" /></a></div>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0Berlin, NJ, USA39.7912261 -74.92905359999997539.7746531 -74.958130599999976 39.807799100000004 -74.899976599999974tag:blogger.com,1999:blog-1027270781927462587.post-89528456698468988522012-05-26T06:09:00.000-07:002012-05-26T06:09:05.224-07:00Do You Owe More Than Your Camden County Home Is Worth?.<div class="MsoNormal" style="line-height: normal;"><i><span style="font-size: large;"><b><span style="font-family: "Times New Roman","serif";"> </span>As a HAFA Specialist My Team is the leading resource for Home Affordable Foreclosure Alternatives education and assistance.</b></span></i></div><i><b><span style="font-size: large;"></span></b></i><br />
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</div><div class="MsoNormal" style="line-height: normal;"><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Homes Affordable Foreclosure Alternatives (HAFA) </span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">is a new <a class="zem_slink" href="http://en.wikipedia.org/wiki/Administration_of_federal_assistance_in_the_United_States" rel="wikipedia" target="_blank" title="Administration of federal assistance in the United States">federal program</a> that makes it easier<b> </b>for <a class="zem_slink" href="http://www.insurance.com/home-and-renters-insurance.aspx" rel="insurancecom" target="_blank" title="Home insurance quote">homeowners</a> who owe more than their home is worth in today’s market or are unable to keep their homes. With a traditional <a class="zem_slink" href="http://en.wikipedia.org/wiki/Short_sale_%28real_estate%29" rel="wikipedia" target="_blank" title="Short sale (real estate)">short sale</a>, properties take a lot of time to sell and close, making it very difficult to plan for your family's future and increasing the level of stress in an already difficult situation. </span></div><div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The availability of the new HAFA program means easier sales and faster closings while removing mortgage liability because HAFA simplifies and streamlines the process for doing a short sale or <a class="zem_slink" href="http://en.wikipedia.org/wiki/Deed_in_lieu_of_foreclosure" rel="wikipedia" target="_blank" title="Deed in lieu of foreclosure">deed-in-lieu</a>, by providing a standard process flow, minimum performance timeframes and standard lender forms and documentation. It also mandates full release from <a class="zem_slink" href="http://en.wikipedia.org/wiki/Mortgage_loan" rel="wikipedia" target="_blank" title="Mortgage loan">mortgage debt</a> for the seller.</span><br />
<br />
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><iframe width="560" height="315" src="http://www.youtube.com/embed/8TXx8rKy-Ow" frameborder="0" allowfullscreen></iframe> </span><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"> </span></b></div><div class="MsoNormal" style="line-height: normal;"><br />
</div><div class="MsoNormal" style="line-height: normal;"><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">As a HAFA Specialist I have been able to assist numerous homeowners and their families take advantage of this program with full release of all mortgage liabilities, reducing credit impact and allowing a second chance at homeownership much quicker!</span></b></div><div class="MsoNormal" style="line-height: normal;"><br />
</div><div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Why is <b>HAFA</b> the right choice if you qualify?</span></div><ul type="disc"><li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Provides you with $3000 dollars at close for relocation expenses</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Gives you an upfront release value to sell the home </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Gives you a min of 120 days and max of 360 days to sell the home </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">10 business day approvals once a contract has been submitted for a approval </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Permanent relief of all future liabilities associated with the loan from the Lender or Servicer</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">No <a class="zem_slink" href="http://en.wikipedia.org/wiki/Promissory_note" rel="wikipedia" target="_blank" title="Promissory note">Promissory Notes</a> or funds required at close from the Borrower (i.e., seller) </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">No Deficiency Judgments </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Mandatory Foreclosure Postponement </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Decrease Borrowers time to re-establish credit and get a second chance at homeownership more quickly </span></li>
</ul><div class="MsoNormal" style="line-height: normal;"><br />
</div><div class="MsoNormal" style="line-height: normal;"><br />
</div><div class="MsoNormal" style="line-height: normal;"><br />
</div><div class="MsoNormal" style="line-height: normal;"><br />
</div><div class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Why should you work with a HAFA Specialist?</span></div><ul><li><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">As a <b>HAFA</b> Specialist I:</span></li>
<li><span style="font-family: Symbol; font-size: 10pt;"><span style="font: 7pt "Times New Roman";"> </span></span><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Know who is eligible and who is not! </span></li>
<li><span style="font-family: Symbol; font-size: 10pt;"><span style="font: 7pt "Times New Roman";"> </span></span><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Understand the current U.S. distressed housing market </span></li>
<li><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Have in-depth knowledge of the U.S. Treasury's HAFA program. </span></li>
<li><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Know how <a class="zem_slink" href="http://www.fanniemae.com/" rel="homepage" target="_blank" title="Fannie Mae">Fannie Mae</a> and <a class="zem_slink" href="http://www.freddiemac.com/" rel="homepage" target="_blank" title="Freddie Mac">Freddie Mac</a>'s HAFA programs work. </span></li>
<li><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Have access to short sale evaluation tools for listing consults </span></li>
<li><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Get HAFA program and Servicer updates as they occur </span></li>
<li><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Have all the latest HAFA documents for the process </span></li>
</ul><span style="color: black;"><span style="font-size: medium;"><i><b>A qualified HAFA agent will analyze your information and situation, and will explain your options available to you under recent changes to Federal guidelines and regulations.</b></i></span></span> <br />
<div class="zemanta-pixie" style="height: 15px; margin-top: 10px;"><a class="zemanta-pixie-a" href="http://www.zemanta.com/?px" title="Enhanced by Zemanta"><img alt="Enhanced by Zemanta" class="zemanta-pixie-img" src="http://img.zemanta.com/zemified_e.png?x-id=f277658a-b6b3-4a36-b664-4ae32a7c08b3" style="border: none; float: right;" /></a></div>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0Berlin, NJ, USA39.7912261 -74.92905359999997539.7746531 -74.958130599999976 39.807799100000004 -74.899976599999974tag:blogger.com,1999:blog-1027270781927462587.post-61968725211822964282012-05-21T06:34:00.000-07:002012-05-21T06:34:15.531-07:00FHA May Ease Rules for Mortgages on Condos<a class="zem_slink" href="http://maps.google.com/maps?ll=38.8951111111,-77.0366666667&spn=0.1,0.1&q=38.8951111111,-77.0366666667%20%28Washington%2C%20D.C.%29&t=h" rel="geolocation" target="_blank" title="Washington, D.C.">WASHINGTON</a> — Thousands of <a class="zem_slink" href="http://en.wikipedia.org/wiki/Condominium" rel="wikipedia" target="_blank" title="Condominium">condo</a> unit owners and buyers around the country could soon be in line for some welcome news on mortgage <a class="zem_slink" href="http://en.wikipedia.org/wiki/Finance" rel="wikipedia" target="_blank" title="Finance">financing</a>: Though officials are mum on specifics, the <a class="zem_slink" href="http://en.wikipedia.org/wiki/Federal_Housing_Administration" rel="wikipedia" target="_blank" title="Federal Housing Administration">Federal Housing Administration</a> is readying changes to its controversial condominium rules that have rendered large numbers of units ineligible for low down-payment insured <a class="zem_slink" href="http://en.wikipedia.org/wiki/Mortgage_loan" rel="wikipedia" target="_blank" title="Mortgage loan">mortgages</a>.<br />
<br />
The revisions could remove at least some of the obstacles that have dissuaded condominium <a class="zem_slink" href="http://en.wikipedia.org/wiki/Homeowner_association" rel="wikipedia" target="_blank" title="Homeowner association">homeowner association</a> boards from seeking FHA approvals or recertifications of their buildings for <a class="zem_slink" href="http://en.wikipedia.org/wiki/FHA_insured_loan" rel="wikipedia" target="_blank" title="FHA insured loan">FHA loans</a> during the past 18 months. Under the agency's regulations, individual condo units in a building cannot be sold to buyers using FHA insured mortgages unless the property as a whole has been approved for financing.<br />
<br />
According to condominium experts, realty agents, lenders and builders, FHA's rules have become overly strict and have cut off unit buyers from their best source of low-cost mortgage money, thereby frustrating the real estate recovery that the Obama administration says it advocates.<br />
<br />
Christopher L. Gardner, managing member of FHA Pros, LLC, a national consulting firm based in Northridge, Calif., that assists condo boards to obtain FHA approvals, said barely 25 percent of all condo projects that are potentially eligible for FHA financing are now approved. That is despite the fact, says Gardner, that FHA financing is the No. 1 mortgage choice for half of all condo buyers and is crucial to first-time and minority purchasers.<br />
<br />
Moe Veissi, president of the <a class="zem_slink" href="http://www.realtor.org/" rel="homepage" target="_blank" title="National Association of Realtors">National Association of Realtors</a> and a broker in Miami, says FHA's strict rules "have had an enormous impact on individuals" across the country, especially residents of condo projects who suddenly find they are unable to sell their units because their condo board has not sought or obtained approval from FHA as the result of objections to the agency's strict criteria. This, in turn, depresses the prices unit owners can obtain and ultimately, said Veissi, harms their equity holdings and financial futures.<br />
<br />
FHA officials defend their requirements as prudent and necessary to avoid <a class="zem_slink" href="http://www.metlife.com/individual/insurance/index.html" rel="metlife" target="_blank" title="Insurance">insurance fund</a> losses, but have expressed a willingness to reconsider some of the issues that have upset condo owners and the real estate industry. Among the biggest areas of criticism of FHA's rules are its limitations on:<br />
<br />
• Non-<a class="zem_slink" href="http://en.wikipedia.org/wiki/Owner-occupier" rel="wikipedia" target="_blank" title="Owner-occupier">owner occupancy</a>. The agency requires that no more than 50 percent of the units in a project or building be non-owner-occupied. This rule alone has made large numbers of condominiums in hard-hit markets ineligible for FHA financing, where investors have purchased units for cash to turn into rentals.<br />
<br />
• Delinquent condo association fee payments. FHA refuses to approve a project where more than 15 percent of the units are 30 days or more behind on payments of condo fees to the association. Given the state of the economy, this has been a problem for thousands of associations, even in relatively prosperous markets. Steve Stamets, a loan officer with Apex Home Loans in Rockville, Md., says some unit sellers and buyers have been so frustrated by the rule that they have offered to pay the amount of delinquent fees needed to bring the overall project into compliance "just to get the deal done. This is a ridiculous situation," said Stamets, who added: "When somebody calls up now and says they want to buy a condo with an FHA loan I cringe."<br />
<br />
• Non-residential space usage. FHA has set a cap of 25 percent of the total floor space in a project for commercial use. Critics say this is too low and unrealistic for condo projects in urban areas, where retail and office revenues can be important to overall financial feasibility.<br />
<br />
The agency has imposed a long list of other requirements on insurance and reserves, plus a highly controversial rule that associations interpret as creating severe legal liabilities for condo board officers if applications for FHA approvals contain inaccuracies. Andrew Fortin, vice president for government and public affairs at Dallas-based Associa, one of the country's largest homeowner association management firms, says that many boards, facing the prospect of up to 30 years in prison and heavy financial penalties, have refused to apply solely because of this personal liability requirement.<br />
<br />
FHA is expected to clarify the personal liability language and make other modifications in its forthcoming rules. Whether the changes will be enough to convince condo boards to apply for approvals in large numbers is uncertain, but industry experts say they -- and condo unit owners -- are likely to welcome whatever loosening of the current restrictions FHA can offer.<strike></strike> <br />
<div class="zemanta-pixie" style="height: 15px; margin-top: 10px;"><a class="zemanta-pixie-a" href="http://www.zemanta.com/?px" title="Enhanced by Zemanta"><img alt="Enhanced by Zemanta" class="zemanta-pixie-img" src="http://img.zemanta.com/zemified_e.png?x-id=44acb6a9-42ce-4e63-a17f-28e8387bbf4b" style="border: none; float: right;" /></a></div>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0tag:blogger.com,1999:blog-1027270781927462587.post-24492648186890048292012-05-21T06:16:00.002-07:002012-05-21T06:16:58.302-07:00207 Roosevelt Blvd, berlin NJ 08009....Presented by Team Clyde RE/MAX Connection<html><br />
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<td width="100%" align="right" style="padding:0px; border: 0px; margin:0px;text-align:right; vertical-align: top;color:white;font-family: verdana;font-size:11px;text-decoration: none;" >Open House:</td>
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<table width="100%" border="0" cellspacing="0" cellpadding="0" align="right" style="padding:0px; border:0px;margin:0px"> <tr style="padding:0px; border: 0px; margin:0px"><td align="right" style="margin:0px;padding:0px; border:0px; color:white; font-family: verdana; font-size:11px; text-decoration: none;text-align: right; line-height:15px;">Stephen Clyde</td></tr>
<tr style="padding:0px; border: 0px;margin:0px;"><td align="right" style="margin:0px;padding:0px; border:0px; color:white; font-family: verdana; font-size:11px; text-decoration: none; text-align: right; line-height:15px;">RE/MAX Connection Realtors</td></tr>
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<td align="right" height="30" valign="top" style="padding:0;margin:0;border:0;"><a href="http://www.listingstoleads.com/view_property_contact.php?Lid=TVRBNE9UazJNQSUzRCUzRA%3D%3D&from=VTFCWFJnJTNEJTNE" style="font-family:'Comic Sans MS';font-size:12px;padding:0;margin:0;border:0;color:white;text-decoration: none">Questions?<br/>Schedule a Showing!</a></td>
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<tr style="padding:0px; border: 0px;margin:0px;"><td align="right" style="margin:0px;padding:0px; border:0px; color:white; font-family: verdana; font-size:11px; text-decoration: none;text-align: right; line-height:15px;">MLS#: 6056845</td></tr>
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<td align="right" style="padding-right:10px;padding-left:0px; padding-top:0px; padding-bottom:0px;border:0px; font-family: Verdana, sans-serif;font-size: 12px;font-weight: normal;color: #33322E;text-align: right;margin:0px;"><img src="http://listingstoleads.com/system/img/photo/1329949813149853_thb.jpg" alt="Profile Image" width="90" height="115" style="border: 1px black solid; padding:0px;margin:0px;" /></td>
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<tr style="padding:0px; border: 0px;margin:0px;"><td align="right" style="margin:0px;padding-top:20px; padding-right:10px; padding-left:5px; padding-bottom:5px; border:0px; color:white; font-family: verdana; font-size:11px; text-decoration: none;text-align: right; line-height:15px">Licensed In:<br>NJ</td></tr>
<tr style="padding:0px; border: 0px;margin:0px;"><td align="right" style="margin:0px;padding-top:20px; padding-right:10px; padding-left:5px; padding-bottom:5px; border:0px; color:white; font-family: verdana; font-size:11px; text-decoration: none;text-align: right; font-style: italic; line-height:15px">Information valid for the date of this posting only. Please contact us for the most current information and status of this property.</td></tr>
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<td colspan="2" align="center" valign="top" style="margin:0px;padding:0px;text-align: center; vertical-align: top;border: 10px solid rgb(204, 204, 204); font-family: Verdana, sans-serif;font-size: 12px;font-weight: normal;color: #33322E;"><table width="100%" border="0" cellspacing="0" cellpadding="7" style="padding:0px; margin:0px;border:0px"> <tr style="padding:0px; border:0px;margin:0px; ">
<td style="background-color: #FFFFFF;border-bottom: 2px solid #FFFFFF;border-right:0px; border-left:0px; border-top:0px;padding:0px;margin:0px;"><br />
<table width="100%" cellspacing="0" cellpadding="0" border="0" style="padding:0px; border:0px;margin:0px;vertical-align: middle "> <tr style="padding:0px; border:0px;margin:0px;vertical-align: middle ">
<td width="65%" align="left" style="vertical-align: middle;padding-left:10px; padding-top:0px; padding-right:0px; padding-bottom:0px; margin: 0px; border:0px; text-align:left; width:65%"><table width="100%" cellspacing="0" cellpadding="1" style="padding:0px; border:0px;margin:0px;"><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><td height="30" align="left" width="100%" valign="bottom" style="padding-right:10px; padding-left:0px; padding-top:0px; padding-bottom:0px; margin:0px; border:0px; text-align:left; line-height: 20px;" ><a href="http://searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ" style="color:black; text-decoration: none;padding:0px; margin:0px; border:0px; line-height: 20px"><span style="text-decoration: none;margin:0 0 4px;padding:0px;border:0px; line-height: 20px; font-family: 'helvetica neue',sans-serif;font-size: 90%;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: bold;letter-spacing: 3px;line-height: normal;text-transform: uppercase;color:#333333">207 Roosevelt Boulevard</span></a></td></tr><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><td height="30" align="left" width="100%" valign="top" style="padding-right:10px; text-align:left; padding-left:0px; padding-top:0px; padding-bottom:0px; margin:0px; border:0px; line-height: 15px;"><a href="http://searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ" style="color: black; text-decoration: none; padding: 0px; border: 0px none; margin: 0px; line-height: 15px;"><span style="text-decoration: none;margin:0px;padding:0px; border:0px; line-height: 15px;font-family: 'helvetica neue',sans-serif;font-size: 70%;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: bold;letter-spacing: 3px;line-height: normal;text-transform: uppercase;color:#333333">Berlin, NJ</span></a></td></tr></table></td><td align="right" valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle"><table width="100%" cellspacing="0" cellpadding="0" style="padding:0px; border:0px;margin:0px;width:100%;vertical-align: middle"><tr valign="top" style="padding:0px; border:0px;margin:0px;vertical-align: middle" ><td align="center" width="50%" style="padding:0px; border:0px;margin:0px;"><img alt="QR Code" src="http://chart.apis.google.com/chart?cht=qr&chs=177x177&chl=http://searchallproperties.com/Homes/1089960/207-Roosevelt-Boulevard-Berlin-NJ" width="120" height="120" ></td><td align="left" valign="middle" width="50%" style="color:gray;font-size:12px;padding:0px; border:0px;margin:0px; font-weight: normal; vertical-align: middle; font-family: verdana;text-align:left; line-height: 16px " >Scan with your smartphone & take me with you.</td></tr></table></td>
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<td colspan=2 valign="top" align="left" style="text-align:left;border-bottom: 0px solid #FFFFFF;padding:0px; border-top:0px; border-left:0px; border-right:0px;background-color: #636D76;font-family: Verdana, sans-serif;font-size: 12px;font-weight: normal;color: #33322E;margin:0px"><br />
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<td align="left" style="padding: 6px 5px 7px 5px;background-color: white;"><a href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ/description" style="color: black;text-decoration: none;font-family:Arial; font-size:9pt;" ><strong>Description</strong></a></td>
<td align="left"><a style="font-family:Arial; font-size:9pt;color: white;border-top: 0px solid #636D76;border-bottom: 0px solid #636D76;border-right: 0px solid #E1D9C3;border-left: 0px solid #E1D9C3;padding: 6px 5px 7px 5px;text-decoration: none;" href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ/feature"><strong>Features</strong></a></td>
<td align="left"><a style="font-family:Arial; font-size:9pt;color: white;border-top: 0px solid #636D76;border-bottom: 0px solid #636D76;border-right: 0px solid #E1D9C3;border-left: 0px solid #E1D9C3;padding: 6px 5px 7px 5px;text-decoration: none;" href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ/photos"><strong>Photos</strong></a></td>
<td align="left"><a style="font-family:Arial; font-size:9pt;color: white;border-top: 0px solid #636D76;border-bottom: 0px solid #636D76;border-right: 0px solid #E1D9C3;border-left: 0px solid #E1D9C3;padding: 6px 5px 7px 5px;text-decoration: none;" href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ/map"><strong>Maps & Local</strong></a></td>
<td align="left"><a style="font-family:Arial; font-size:9pt;color: white;border-top: 0px solid #636D76;border-bottom: 0px solid #636D76;border-right: 0px solid #E1D9C3;border-left: 0px solid #E1D9C3;padding: 6px 5px 7px 5px;text-decoration: none;" href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ/schools"><strong>Schools</strong></a></td>
<td align="left"><a style="font-family:Arial; font-size:9pt;color: white;border-top: 0px solid #636D76;border-bottom: 0px solid #636D76;border-right: 0px solid #E1D9C3;border-left: 0px solid #E1D9C3;padding: 6px 5px 7px 5px;text-decoration: none;" href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ/vtour"><strong>Virtual Tour</strong></a></td>
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<td align="center" width="100%" style="padding:0px; border:0px;margin:0px;"><br />
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<div style="padding:5px;background-color: #9a0605; color:white;font-family: arial; font-weight: bold;font-size:50px">JUST LISTED</div></td>
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<td align="center" width="100%" style="padding-left:5px; padding-right: 5px; padding-top:5px;padding-bottom:0px; text-align: center; width: 100%;border:0px;margin:0px; "><img src="http://www.listingstoleads.com/system/img/normal_img/350_133760530049334.jpg" style="border: 0px;max-height:300px; max-width: 500px;height: auto;width:500; " width='500' alt=""></td>
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<td align="left" width="100%" style="padding-left:0px;border:0px;margin:0px;padding-top:0px; padding-bottom:0px; padding-right:0px"><h1 style="color:gray;font-size:16px; font-weight: normal ">Peaceful And Friendly Neighborhood!</h1></td>
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<table width="100%" border="0" cellspacing="0" cellpadding="0" style="padding:0px; border:0px;margin:0px;"> <tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>$ <a href="http://www.searchallproperties.com/listings/1089960/207-Roosevelt-Boulevard-Berlin-NJ" target="_blank">Click for current price</a></td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>3 BEDROOMS</td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>3 BATHROOMS (2 full, 1 half) </td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>1994 Square Feet</td></tr> </table> </td>
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</table> <p><div id="property_description"><span id="property_description_showing"> Beautiful And Open Describes This 3 Bedroom 2.5 Bath Town home Located in an a<wbr></wbr>ward winning community, Situated On An Over sized Lot. This Open Floor Plan Lends Its Self To Large Gatherings And Entertaining. A Two Story Foyer Sets The Mode As You Enter This Home, Stepping Up To A Great Room with decorator custom paint, designer light fixtures, chair rail and Crown Molding and Brazilian Cherry Hard Wood Floors. First Floor Den Features A Window Seat. A Full Finished Basement with recessed lighting and Plenty Of Room For A Play Room,Rec Room Or Theater, Leaving Ample Space For Storage. The large Master Suite Features Cathedral Ceilings A huge… </span> <span class="hidden" id="property_description_drawer"> Master Bath With A Garden Tub, Stall Shower, His And Her Vanities And Walk In Closet. Two Additional Bedrooms, One With A Charming Window Seat.The Massive Back Yard is fenced, custom patio with sweeping curves, and a custom awning that provides comfortable shade on those lazy afternoons. The front yard is professionally landscaped. Walking distance to Fields and school </span></div></p> </td>
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<td align="center" valign="middle" style="padding:0px; border: 0px;margin:0px" ><img src="http://www.listingstoleads.com/system/img/headimgTemplate/1329944646stephen_thb.png" alt="" border="0" style="padding:0px; border:0px;margin:0px;width: 600px" width="600px"/></td>
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</html>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0tag:blogger.com,1999:blog-1027270781927462587.post-39195238439751598392012-05-14T10:20:00.000-07:002012-05-14T10:20:07.814-07:00114 South King Street, Magnolia NJ 08049...Listed by Stephen B Clyde<html>
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<div style="padding:5px;background-color: #9a0605; color:white;font-family: arial; font-weight: bold;font-size:50px">JUST LISTED</div> </td>
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<tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>$ <a href="http://searchallproperties.com/listings/1082222/114-South-King-Street-Magnolia-NJ" target="_blank">Click for current price</a></td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>4 BEDROOMS</td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>3 BATHROOMS (3 full) </td></tr><tr style='padding:0px; margin: 0px; border:0px'><td align='left' style='font-family:"helvetica neue",sans-serif; font-size: 11px;font-size-adjust: none;font-stretch: normal;font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 3px;line-height: 20px;text-transform: uppercase;padding:0px; margin: 0px; border:0px; color:gray'>1810 Square Feet</td></tr> </table>
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<p> <p>WOW!! AMAZING HOME -- TOTALLY UNIQUE!!This Huge Rancher has it all and then some, from huge rooms to 3 full baths. As you enter this home you walk into the large living room that is an open concept design with the dining room and you will notice the Pergo flooring that sets the tone for this spotless home. Just off the dining room is the step down sun room and the large eat in kitchen with miles of counter space. The Main level features a huge master bedroom with a semi en-suite full bath, across the hall is a large main full bath and down the hall are 2 large bedroom. As you head down stairs you will find a large family room and a large den with a kitchen area along with a huge bedroom. The other side of the basement provides tons of storage, a large workshop and laundry area. All this a sitting on a quiet low traffic dead end street that is walking distance to shopping, dining and fitness. This home allows a tranquil setting that is close to everything from all major roads, PATCO trains to shopping.</p> </p>
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</html>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0tag:blogger.com,1999:blog-1027270781927462587.post-87819389922747943132012-05-11T10:00:00.000-07:002012-05-11T10:00:00.238-07:00Timeline for closing a home sale<h3 align="left" style="color: #333333;">
<br /></h3>
Several factors can delay approval process<br />
<br />
Some home-sale transactions close quickly, while others can take
months. Two significant factors that affect most home sales are
inspections of the property and financing the purchase.<br />
Inspections
should be done within the first couple of weeks after the offer is
ratified, i.e., accepted by both buyer and seller. Usually, the day
after ratification is day one of the contingency and closing time
periods. This may vary from one location to the next.<br />
When
transactions fall apart soon after ratification, the cause is usually
something discovered during the buyer's inspections. It's a good idea
for sellers to get presale inspection reports so that the buyers have as
much information about the property as possible before they make an
offer.<br />
Most home inspection reports make recommendations to
consult other specialists such as a roofer, furnace contractor,
drainage specialist or engineer. Few sellers have these additional
inspections done. Even if they do, the buyers might want a second
opinion.<br />
Inspections are also somewhat subjective. One inspector
might say a roof needs to be replaced; another might say it has a few
years of life left as long as it is properly maintained. Transactions
fall apart because the buyer and seller can't come to an agreement on
inspections, which means the sale doesn't close, the house goes back on
the market and the buyers renew their home search.<br />
If the
inspection issues are worked out satisfactorily, the next major hurdle
that could delay your sale, or crater it, is the loan contingency. Cash
buyers bypass this rigorous process; however, they do need to provide
the sellers with evidence that they have sufficient liquid funds to
close the sale.<br />
All-cash deals can close whenever the buyers and
sellers agree, after all inspection issues are resolved. Closing can
occur in a week or two. Some all-cash buyers include an appraisal
contingency in their contract to confirm that they're not paying over
market value.<br />
In this case, it would take longer to close because
an appraiser would need to visit the property and work up an appraisal
report. If the property didn't appraise for the purchase price, the
buyer might be able to back out and have the deposit returned.<br />
Both
buyer and seller would start all over again. However, if they
negotiated a resolution, the sale could close quickly and would take far
less time than it does to close a sale involving a mortgage.<br />
HOUSE
HUNTING TIP: Purchase contracts include contingencies and time periods
for them to be met. To avoid having to ask for extensions, make sure
that the time periods you request are reasonable. An extension might not
be granted if the seller has a backup offer for a higher price.<br />
Buyers
should get preapproved for the financing they need to close a home
sale before their offer is accepted. This way, they are assured of what
they can afford to pay. Preapproval can cut a few days off the loan
approval process.<br />
Loan approval can go relatively quickly if you
present all required documentation promptly and your financial
situation is not complicated. It can be more time consuming for buyers
who are self-employed or are using other than W-2 income to qualify.<br />
Part
of loan approval involves an appraisal on the property by a licensed
appraiser. This can slow the process down depending on the lender, how
backlogged they are and the loan amount. A large loan amount can prompt
the need for two appraisals, which adds more time to the approval
process.<br />
THE CLOSING: If you're buying in an area where homes are
selling quickly, it may take 35 to 45 days from contract acceptance
for final loan approval and closing.Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0tag:blogger.com,1999:blog-1027270781927462587.post-77112682854896852582012-05-10T09:59:00.000-07:002012-05-10T09:59:00.723-07:00Financial advice for women that goes beyond the basics<h3 align="left" style="color: #333333;">
<br /></h3>
Book Review: 'The Seven Pearls of Financial Wisdom: A Woman's Guide to Enjoying Wealth and Power'
By Tara-Nicholle Nelson<br />
<br /><b>Book Review</b><br /> Title: "<a href="http://us.macmillan.com/thesevenpearlsoffinancialwisdom/CarolPepper" target="_blank">The Seven Pearls of Financial Wisdom: A Woman's Guide to Enjoying Wealth and Power</a>"<br /> Author: Carol Pepper and Camilla Webster<br /> Publisher: St. Martin's Press, 2012; 352 pages; $25.99<br />
A
number of notable personal finance experts have made attempts to share
their knowledge, insights and experiences on money matters with
women-friendly money books and courses. However, many of these are
relatively narrowly focused on subjects like budgeting, investing,
getting out of debt, real estate, or building a career or business.<br />
Now
there's a new entree into this genre by former Rockefeller money
manager Carol Pepper and Forbes journalist Camilla Webster: "The Seven
Pearls of Financial Wisdom: A Woman's guide to Enjoying Wealth and
Power."<br />
I read a lot of finance, self-help and other books from
similar genres, and spend much of my time exploring and creating
multimedia resources in the same areas. Against that backdrop, "Seven
Pearls" at first glance came off as overly simple, and lacking, mmm,
pizzazz. What you won't find in this book is a bunch of charts and
graphs and links and bullets and short-attention-span gimmicks or
cutesy phrases and acronyms. The paragraphs can run long, and the voice
is less girlfriend-ey and more straight shooter.<br />
What you will
find in "Seven Pearls," however, is 300 pages of straightforward,
substantive, visionary, step-by-step guidelines for creating a truly
prosperous life, including clear advice for managing your money,
business, career, family and romantic relationships, and professional
advisers toward that end. <br />
Pepper and Webster don't coddle or
infantilize readers, nor do they assume that the average reader is
mired in financial desperation or struggle just to believe they deserve
to flourish. In fact, many women may not be emotionally ready to
receive and execute on the advice it contains. Some will need to take a
course like Conscious Bookkeeping or work through a book like Karen
McCall's "Financial Recovery" or Julia Cameron's "The Prosperous Heart"
before they can truly appreciate and act on the simple but serious
wisdom contained in "Pearls."<br />
Pearls provides Pepper and
Webster's opinionated, yet ego-free, guidance on a wide-ranging, but
interconnected, set of topics including:<br />
<ul>
<li>developing a set of investment guidelines for your portfolio.</li>
<li>starting and managing a business.</li>
<li>finding, vetting and selecting the right spouse.</li>
<li>raising wise children.</li>
<li>managing your wellness with DNA testing.</li>
</ul>
What
I know from working with many women who want to use real estate to
build their net worth and family futures is that what causes some to
hesitate to take responsibility for growing their finances is the fear
of the unknown territory of prosperity -- the fear that they will fail
on the nuts and bolts of managing the more complex taxes, legal
structures, adviser teams, business plans, financial statements and
such that they might face if they do find financial success. <br />
"Seven
Pearls" neatly obliterates such fears and concerns, providing a
nuts-and-bolts outline and action plan for women who do earn a good
income -- and those who plan to in the future.<br />
Pepper and Webster
provide hundreds of pearls of financial wisdom in seven areas of their
lives, carving out a vision for a prosperous life by doing some
touching, some deep dives and lots of clear, actionable recommendations
in the areas of:<br />
1. <b>Wealth building</b>: business, career,
investments and retirement planning, including how to manage your own
emotions to avoid common (and costly) business, tax and investment
mistakes, and select and manage your team of advisers.<br />
2. <b>Romance and marriage</b>:
managing the costs incurred while dating; financial red flags that
prospective mates might raise; and how to handle the financial
negotiations and disclosures that are necessary to minimize the
too-common financial causes of marital strife.<br />
3. <b>Power</b>:
In this section, the authors coach women around many of the powerless
beliefs and behaviors that happen so often even among educated career
women -- like refusing to speak up for oneself or failing to -- and
direct them to the image, social media and organizational tools for
building and deploying their own powerful, personal brands, including
everything from Twitter to seats on corporate boards.<br />
Motherhood,
crisis and loss, retirement and legacy building are also given
intensive treatment in "Seven Pearls." For reader-friendliness, each
chapter starts off with a set of questions that surface the problems
that will be addressed within.<br />
Many women now make more money
than their husbands or prospective mates, yet many of these same women
lack more than a basic understanding of financial tools. "Seven Pearls"
is the first women's finance book I've seen that is tailored to take
readers far beyond money crises and beyond the basics (though it does
offer some crisis guidance and much advice for avoiding crises in the
first place). <br />
Rather, the authors effectively usher readers into
a life season of wisely, assertively and knowledgeably using an
advanced set of tools for managing their prosperity, their
relationships and their futures, without fear, intimidation or
unnecessary complexities. <br />
In "Seven Pearls," Pepper and Webster
offer successful women the logistics and structure on which they can
construct a fully prosperous life, minus the fluff. <br />
<i>Tara-Nicholle
Nelson is author of "The Savvy Woman's Homebuying Handbook" and
"Trillion Dollar Women: Use Your Power to Make Buying and Remodeling
Decisions." Tara is also the Consumer Ambassador and Educator for real
estate listings search site Trulia.com.</i>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0tag:blogger.com,1999:blog-1027270781927462587.post-32454320157267486642012-05-09T08:49:00.000-07:002012-05-09T08:49:00.262-07:00Mortgage rates chart new lows<h3 align="left" style="color: #333333;">
</h3>
Economic growth seems to be slowing, inflation remains subdued<br />
<br />
Mortgage rates hit all-time lows this week, but demand for purchase
loans is only slightly higher than it was a year ago as tight lending
standards and worries about what's been dubbed the "jobless recovery"
continue to weigh on homebuyer demand.<br />
Rates on 30-year fixed-rate
mortgages averaged 3.84 percent with an average 0.8 point for the week
ending May 3, down from 3.88 percent last week and 4.71 percent a year
ago, Freddie Mac said in releasing the results of its weekly <a href="http://freddiemac.mediaroom.com/index.php?s=12329&item=127954" target="_blank">Primary Mortgage Market Survey</a>.
That's a new low in Freddie Mac records dating to 1971, breaking the
old record of 3.87 percent set during the first three weeks of February.<br />
For
15-year fixed-rate mortgages, rates averaged 3.07 percent with an
average 0.7 point, down from 3.12 percent last week and 3.89 percent a
year ago. That's also a new low in records dating to 1991, breaking the
previous record of 3.11 percent set just three weeks ago.<br />
Rates on
five-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) loans
averaged 2.85 percent with an average 0.7 point, unchanged from last
week but down from 3.47 percent a year ago. Rates on five-year ARMs hit
an all-time low in records dating to 2005 of 2.78 percent during the
week ending April 19.<br />
For one-year Treasury-indexed ARM loans,
rates averaged 2.7 percent with an average 0.6 point, down from 2.74
percent last week and 3.14 percent a year ago.<br />
"Signs of slowing
economic growth and inflation remaining subdued allowed yields on
Treasury bonds to ease somewhat and brought most mortgage rates to new
all-time record lows this week," said Freddie Mac's chief economist,
Frank Nothaft, in a statement.<br />
Nothaft noted that real gross
domestic product rose at a 2.2 percent annual rate during the first
quarter of this year, down from 3 percent during the final quarter of
2012 and below the consensus forecast of 2.5 percent.<br />
Annual
growth in the core price index of personal consumption expenditures
(PCE) was 2 percent in March, which matches the Federal Reserve's
implied inflation target, Nothaft said.<br />
Although the Federal
Reserve's Open Market Committee said last week that it expects to
maintain "a highly accommodative stance for monetary policy" to support a
stronger economic recovery, the committee announced no changes to
existing policies.<br />
Labor market conditions have improved in recent months but unemployment remains elevated, the committee said in a <a href="http://www.federalreserve.gov/newsevents/press/monetary/20120425a.htm" target="_blank">statement</a>. Despite some signs of improvement, the housing sector "remains depressed," the statement said.<br />
Mortgage broker and syndicated columnist Lou Barnes <a href="http://www.inman.com/buyers-sellers/columnists/loubarnes/innately-good-housing-markets-are-turning" target="_blank">believes the Fed</a>
"has neither the intention nor capacity to inflate away our debt
burden. With (PCE) above 2 percent, the Fed won't even embark on
something as mild as QE3," Barnes said, referring to speculation over a
possible third round of "quantitative easing."<br />
<img height="325" src="http://www.inman.com/files/u4478/PCE_chain_price_index.jpg" width="421" /> <br />
Looking back a week, a separate survey by the Mortgage Bankers Association showed <a href="http://www.mbaa.org/NewsandMedia/PressCenter/80649.htm" target="_blank">demand for purchase loans</a>
was up a seasonally adjusted 2.9 percent during the week ending April
27 compared to the week before. Purchase loans demand was up 3 percent
from the same week a year ago<br />
The National Association of REALTORS® last week <a href="http://www.inman.com/news/2012/04/26/pending-home-sales-near-2-year-high" target="_blank">reported</a>
that pending sales of existing homes jumped a seasonally adjusted 4.1
percent from February to March, to the highest level since April 2010.
Pending sales were up 10.8 percent from the same time a year ago on a
non-seasonally adjusted basis.Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0tag:blogger.com,1999:blog-1027270781927462587.post-52037241922158550522012-05-08T08:48:00.000-07:002012-05-08T08:48:00.537-07:00Trampolines are home insurance nightmare<h3 align="left" style="color: #333333;">
</h3>
<i>Q: We are renting a house and we set up a trampoline in our
backyard. The owner wants to remove it because of liability issues if
there's an accident. Is that reasonable, or is there something we can
do about this, like place a sign on the trampoline? --Marleen</i><br />
A:
It's noteworthy that you find yourself in the precisely opposite
situation of most tenants who have an issue with their landlord about a
hazardous condition. Most often, tenants complain that there is a
dangerous situation on the property, and that their landlord refuses to
fix it and eliminate the hazard. Though laws do vary by state,
landlords do often find themselves held liable for the physical and
monetary damages incurred by virtue of hazardous conditions on the
properties they own.<br />
In the final analysis, your landlord's
insistence that the trampoline be removed is actually quite reasonable.
Here are three factors I want you to consider as you try to wrap your
head around this.<br />
1. <b>Trampolines are very dangerous</b>. I
suspect you may think your landlord is overreacting, and that you might
not realize just how dangerous trampolines actually are. To get a
sense for where your landlord is coming from, simply Google the words
"trampoline" and "liability." You'll soon see that not only are
trampoline injuries a very common cause of severe injuries to adults
and children alike, they are also the source of a full-blown body of
law around homeowners being responsible to cover the costs and other
damages related to those injuries. <br />
In fact, just last month, New
York Yankees pitcher Joba Chamberlain suffered a career-pausing ankle
dislocation, you guessed it, while jumping on a trampoline.<br />
2. <b>Your landlord has the legal responsibility to prevent hazardous conditions</b>.
Not only is it highly likely your landlord would become embroiled in a
legal case that arises from the injuries a visitor to your home might
incur on the trampoline, it's also highly likely that because your
landlord is aware that you have installed the trampoline he'd end up
being held liable. And that's just the beginning; many homeowners
insurance and hazard insurance policies are actually voided by the
installation of a trampoline on the home.<br />
Your landlord needs to
be able to maintain the home in insurable condition, and needs to make
sure that an insurance policy is on the property and remains in force.
This protects your landlord, but also may protect you in the event that
you were to be injured or harmed as a result of a fire or some other
insured-against event of that nature, which I hope never happens at
your home. If having a trampoline in the backyard voids the insurance
policy, which it likely does, that in and of itself renders your
landlord's demands reasonable.<br />
3. <b>There's one way you can have 100 percent control over your backyard and what you put in it</b>.
Putting a sign up on a trampoline doesn't minimize the possibility of
people getting injured, and it doesn't necessarily impact the specter
of liability for your landlord, either. Possibly, having every single
person who ever jumps on it sign a waiver might minimize the liability
concern, but enforcing that and ensuring that the signer is competent
and the form will stand up in court is completely infeasible.<br />
When
you rent someone else's home, they absolutely have the right to impose
some basic health, safety and other conditions on the rental, like a
ban on waterbeds and large dogs.<br />
The one way you can get ultimate
control over your home and how you customize it is this: Buy your own
home. Problem is, as a homeowner, you need an insurance policy, too,
especially if you have a mortgage. Your mortgage company will require
that you either (a) obtain and maintain a policy or (b) they will put a
very, very expensive policy on the property. <br />
So, if and when
you do buy your own home, I'd urge you to work with your insurance
representative to fully understand the impact of having a trampoline in
your backyard, before you do that.Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0tag:blogger.com,1999:blog-1027270781927462587.post-29318233737954365952012-05-07T08:46:00.000-07:002012-05-07T08:46:01.585-07:004 ways to capitalize on shift to seller's market<h3 align="left" style="color: #333333;"> </h3>Some see signs of the next housing shortage<span class="st_sharethis"><span class="stButton" style="color: black; cursor: pointer; display: inline-block; text-decoration: none;"></span></span><br />
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It's the spring selling season and good news is popping up like wildflowers in many places. The rocky bottom may be behind us with a new challenge ahead: a <a class="zem_slink" href="http://en.wikipedia.org/wiki/Supply_and_demand" rel="wikipedia" target="_blank" title="Supply and demand">seller's market</a> with higher <a class="zem_slink" href="http://en.wikipedia.org/wiki/Price" rel="wikipedia" target="_blank" title="Price">prices</a> and not enough <a class="zem_slink" href="http://www.wikinvest.com/metric/Inventory" rel="wikinvest" target="_blank" title="Inventory">inventory</a>.<br />
"A seller's market? Are you serious?" the naysayers will say. "NAR just announced that prices declined again and that the current sales pace puts us on track for doing about 4.93 million home sales in 2012. That's less than the typical 5 million home sales that constitutes an average year."<br />
<b>Signs of the next housing shortage?</b><br />
There's no question that many areas are still suffering from high unemployment and a glut of foreclosures. Nevertheless, there are rumblings on the lending side of the business about easing credit restrictions. This means more borrowers can qualify for loans. Increased demand will absorb the current glut of properties. This, in turn, will result in prices flattening and then beginning to inch up again. <br />
Pent-up demand is also growing. The 80 million members of <a class="zem_slink" href="http://en.wikipedia.org/wiki/Generation_Y" rel="wikipedia" target="_blank" title="Generation Y">Gen Y</a> (born between 1977 and 1994) are in their prime time for starting careers, getting married and having babies. These major life milestones are usually tied to changes in housing, most often a move from being a renter to becoming a homeowner. <br />
Moreover, as inflation raises its ugly head again and the <a class="zem_slink" href="http://www.federalreserve.gov/" rel="homepage" target="_blank" title="Federal Reserve System">Federal Reserve</a> ponders a third round of quantitative easing (QE3), investors are fleeing to tangible assets. While precious metals and commodities are certainly popular, real estate has almost always kept place with inflation over the long haul. <br />
Couple these facts with the tremendous decline in new housing starts and you have the formula for a housing shortage in the very near future.<br />
<b>Reading the tea leaves</b><br />
What does this all mean for your business? First, it's important that you are tracking how many months of inventory are on the market in the areas and the price ranges in which you work. The rule of thumb is that if you have six or less months of inventory, you are either entering or are already in a seller's market. If there are seven or eight months of inventory, your market may be flat or transitioning. If you have nine or more months of inventory, you are still in a buyer's market with too much inventory.<br />
There are some important points to note here. First, sometimes you can have a seller's market and a buyer's market on the same street. For example, single-family homes under $250,000 may be selling well, but $180,000 condos are languishing with virtually no sales. Since most <a class="zem_slink" href="http://www.mlssoccer.com/" rel="homepage" target="_blank" title="Major League Soccer">MLS</a> systems supply this data, it's important to watch whether the number of months of inventory is increasing or decreasing. This will give you an idea about which way the market is trending.<br />
What's especially fascinating about the shift from a buyer's to a seller's market is how far the prices actually lag behind the shift. For example, inventories began to grow back in 2004 and 2005. Nevertheless, prices continued to increase in many areas well into 2007. <br />
You can expect to see the same thing now. Inventories are decreasing, multiple offers are occurring, and overall prices are still continuing to decline. The bottom of the market has already passed in terms of the demand, but hasn't shown up yet in terms of the price. <br />
<b>Capitalize on the shifts</b><br />
What can you do to take advantage of this in your market? Here are four suggestions:<br />
1. <b>Fish where the fish are</b><br />
Determine where the activity is the greatest and where there is the least amount of listings. This is a prime area for prospecting for new listings. You can call on FSBOs (for-sale-by-owner listings), owners of expired listings, or hold open houses where you invite the neighbors. The idea is to increase your visibility in the area so that when someone is thinking about buying or selling a home, they will contact you. <br />
2. <b>Use print marketing to get the word out</b><br />
Many buyers have been waiting for the market to bottom out. You can use your print marketing materials including postcards, letters or newsletters to show people that the properties in their area have already bottomed out. A simple way to do this is with a graph that shows how many months of inventory were available over the last 12-24 months. Draw a line at six months. Your caption says, "When the inventory dips below six months, the market has already bottomed. Prices typically bottom out in the next 90 to 180 days after the inventory drops below six months. If you want to get the best price and the best financing, buy now."<br />
3. <b>Reach out through social media</b><br />
If you have a Facebook business page or if you use Twitter, link to any data from your board of REALTORS® or other resources that show the state of your local market. Remember to remind recipients that different price ranges may be experiencing different market conditions. <br />
4. <b>Show buyers it's cheaper to buy than rent</b><br />
A <a href="http://pro.truliablog.com/news/report-rent-vs-buy-winter-2012-update-on-the-debate/?ecampaign=tnews&eurl=pro.truliablog.com%2Fnews%2Freport-rent-vs-buy-winter-2012-update-on-the-debate" target="_blank">real shocker was recently released from Trulia</a> showing that it is now cheaper to buy than rent in 98 of 100 large U.S. metro locations. <br />
Is a seller's market around the corner in your area? If the months of inventory have crossed the "six months" threshold, it's time to load up on your listing inventory as well as dust off those unused multiple-offer forms. Also, don't forget to prospect first-time buyers, because it's the best time to buy since the Great Depression <br />
<div class="zemanta-pixie" style="height: 15px; margin-top: 10px;"><a class="zemanta-pixie-a" href="http://www.zemanta.com/" title="Enhanced by Zemanta"><img alt="Enhanced by Zemanta" class="zemanta-pixie-img" src="http://img.zemanta.com/zemified_e.png?x-id=0077ed26-637c-4519-a711-c5267c397dfb" style="border: none; float: right;" /></a></div>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0tag:blogger.com,1999:blog-1027270781927462587.post-8357188586887861502012-05-04T08:50:00.000-07:002012-05-04T08:50:32.742-07:005 tips to safely book a vacation rental<div class="zemanta-img separator" style="clear: right;"><a href="http://www.crunchbase.com/company/craigslist" style="clear: right; display: block; float: right; margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Image representing Craigslist as depicted in C..." height="39" src="http://www.crunchbase.com/assets/images/resized/0001/2301/12301v1-max-450x450.png" style="border: none; font-size: 0.8em;" width="127" /></a><span class="zemanta-img-attribution" style="clear: both; float: right; margin-left: 1em; margin-right: 1em; width: 127px;">Image via <a href="http://www.crunchbase.com/" target="_blank">CrunchBase</a></span></div><h3 align="left" style="color: #333333;"> Online clues help weed out bogus listings</h3><br />
The <a class="zem_slink" href="http://en.wikipedia.org/wiki/Internet" rel="wikipedia" target="_blank" title="Internet">Internet</a> has made finding vacation properties faster, easier and cheaper. But not everyone is looking to relax at a charming seaside cottage or a rustic mountain cabin.<br />
Some scam artists have been copying and pasting photos and details of popular destination properties on rental sites, charging unknowing customers large down payments (sometimes half of the entire rental period) and then running off with the cash.<br />
Several recent cases of international rental properties not being available -- or booked to more than one customer for the same period -- have owners and longtime operators warning consumers to be wary of deals that look too good to be true.<br />
"There are many wonderful rental properties out there that are completely legitimate and only a few scammers," said Christine Karpinski, author of "How to Rent Vacation Properties by Owner." <br />
"To reject the whole concept of renting a great home instead of a hotel room because someone else had a bad experience is like deciding not to have children because you saw the movie '<a class="zem_slink" href="http://www.rottentomatoes.com/m/1001572-bad_seed" rel="rottentomatoes" target="_blank" title="The Bad Seed">The Bad Seed</a>,' " Karpinski said.<br />
One owner, "Barbara," who specializes in international properties, said four clients were scammed earlier this year when they booked waterfront Caribbean properties. Barbara found out later that crooks based in Nigeria hacked into her email system and diverted the reservation to another location.<br />
"Most of the time, people can spot when something is wrong if they pay attention to the communication they are receiving," Barbara said. "The bad guys mostly have been tracked to foreign countries and their use of the <a class="zem_slink" href="http://en.wikipedia.org/wiki/English_language" rel="wikipedia" target="_blank" title="English language">English language</a> has not been good. Also, call the phone number provided. It's not uncommon that it's disconnected or goes unanswered."<br />
Scammers often use the fastest available method to post a bogus listing, which means they usually never build websites that appear legitimate.<br />
"<a class="zem_slink" href="http://www.craigslist.org/" rel="homepage" target="_blank" title="Craigslist">Craigslist</a> is terrific, especially for long-term rentals," Barbara said. "But unfortunately it's one of the first places scammers go because they can get in and get out. Of course, the Craigslist people are doing all they can to prevent this, but stuff gets through. It's just another reminder to do all you can to speak with the owner."<br />
Karpinski said the benefits of staying in a vacation rental home far outweigh the minimal risks. These properties are more spacious and often less expensive than hotel rooms. They're appointed with all the comforts of your home. They're private. They tend to be kid-friendly. Often, they're pet-friendly as well.<br />
Her top tips to safely book your vacation home:<br />
1. <b>Beware of super-cheap rates</b>. If it seems too good to be true, it probably is. The most common way scammers work is by enticing a large number of travelers in a short period of time. They do this by lowballing the rental rates.<br />
"If one listing is, say, half the price of all other comparable ones for the same amount of time, beware," Karpinski said. "Put yourself in the owner's shoes: Why would he or she voluntarily forgo that much income? Five, 10, or maybe even 15 percent off, perhaps, but 50 percent? No way."<br />
2. <b>Cyberstalk the owner</b>. Do some cross-referencing across various websites: Facebook, Twitter, <a class="zem_slink" href="http://www.linkedin.com/" rel="homepage" target="_blank" title="LinkedIn">LinkedIn</a>, and so forth. Make sure the place of residence (where the owner lives -- not where the vacation home is located) is the same as the information the owner provided. Google the phone number listed on the advertisement. Many property owners and managers list their homes on many different websites. Check to see if they are the same.<br />
3. <b>Look for clues in the reviews</b>. When you are reading the reviews of the property (either on the vacation rental website or on other sites such as TripAdvisor.com), there are sometimes references to the owners' names. A review might say something like: "Thanks, Tom and Christine, for allowing us to rent your lovely home. ..." If the names in the reviews do not match the name of the person renting the home to you, it could be a sign that something is not right.<br />
4. <b>Speak with the owner via phone</b>. Sure, it's possible to be scammed over the phone. However, it's usually easier to fool someone when you're communicating online. Ask specific questions and listen carefully to the answers.<br />
5. <b>Pay only by credit card. Never, ever pay by <a class="zem_slink" href="http://en.wikipedia.org/wiki/Wire_transfer" rel="wikipedia" target="_blank" title="Wire transfer">wire transfer</a></b>.<br />
Most importantly, listen to your gut because it's usually right.<br />
"There was a couple on a national TV show that said they went ahead with the rental even though it didn't feel right," Karpinski said. "What's up with that? Scammers usually count on people not paying attention," or heeding their intuition.<br />
"Renting a vacation home is like anything else. It's not risk-free, but when you take steps to mitigate the risk, you can feel 99.9 percent confident that you're not getting scammed." <br />
<div class="zemanta-pixie" style="height: 15px; margin-top: 10px;"><a class="zemanta-pixie-a" href="http://www.zemanta.com/" title="Enhanced by Zemanta"><img alt="Enhanced by Zemanta" class="zemanta-pixie-img" src="http://img.zemanta.com/zemified_e.png?x-id=5169bd3f-568b-4a83-9641-6d2edcac82ad" style="border: none; float: right;" /></a></div>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0tag:blogger.com,1999:blog-1027270781927462587.post-67944184882706290442012-05-01T09:38:00.001-07:002012-05-11T09:45:17.065-07:00Mom....Before I was myself you made me, me<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgGLxFoB8p-d_MhnsV7E7UHtMA77dnlXOanffp5ES_Vj_NZ0DCy23addRfGCtFXW4Tt96HZs009q8cnRdYwyTMz9etfHO-6-M52gNnMxn_8uxP8iom-cJJXfoUmwl1X0njRWheuNrgs9cI/s1600/mothers-day.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgGLxFoB8p-d_MhnsV7E7UHtMA77dnlXOanffp5ES_Vj_NZ0DCy23addRfGCtFXW4Tt96HZs009q8cnRdYwyTMz9etfHO-6-M52gNnMxn_8uxP8iom-cJJXfoUmwl1X0njRWheuNrgs9cI/s320/mothers-day.jpg" width="267" /></a></div><div style="color: magenta;"><span style="font-size: large;"><span class="c4"><strong><em>Before I was myself you made me, me<br />
With love and patience, discipline and tears,<br />
Then bit by bit stepped back to set me free,</em></strong></span></span></div><div style="color: magenta;"><span style="font-size: large;"><span class="c4"><strong><em> </em></strong></span> </span></div><div class="c7" style="color: magenta;"><span style="font-size: large;"><strong><em>Allowing me to sail upon my sea,<br />
Though well within the headlands of your fears.<br />
Before I was myself you made me, me</em></strong></span></div><div class="c7" style="color: magenta;"><br />
</div><div class="c7" style="color: magenta;"><span style="font-size: large;"><strong><em>With dreams enough of what I was to be<br />
And hopes that would be sculpted by the years,<br />
Then bit by bit stepped back to set me free,</em></strong></span></div><div class="c7" style="color: magenta;"><br />
</div><div class="c7" style="color: magenta;"><span style="font-size: large;"><strong><em>Relinquishing your powers gradually<br />
To let me shape myself among my peers.<br />
Before I was myself you made me, me,</em></strong></span></div><div class="c7" style="color: magenta;"><br />
</div><div class="c7" style="color: magenta;"><span style="font-size: large;"><strong><em>And being good and wise, you gracefully<br />
As dancers when the last sweet cadence nears<br />
Bit by bit stepped back to set me free.</em></strong></span></div><div class="c7" style="color: magenta;"><br />
</div><div class="c7" style="color: magenta;"><span style="font-size: large;"><strong><em>For love inspires learning naturally:<br />
The mind assents to what the heart reveres.<br />
And so it was through love you made me, me</em></strong></span></div><div class="c7" style="color: magenta;"><span style="font-size: large;"><strong><em><br />
By slowly stepping back to set me free.</em></strong></span></div>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0tag:blogger.com,1999:blog-1027270781927462587.post-11115226312212451232012-04-30T09:39:00.000-07:002012-04-30T09:39:12.369-07:008 reasons FSBOs should list with a Realtor<h3 align="left" style="color: #333333;">
<br /></h3>
Ask yourself: What would Colby Sambrotto do?<br />
<br />
Can you explain why it's smarter for a potential home seller to list
with you, a real estate agent, as opposed to attempting a
for-sale-by-owner (FSBO) deal? Showing the FSBO the value you bring to
the transaction may be much easier than you realize. <br />
Many real
estate experts thought the Internet would result in more people being
able to successfully sell their home without a real estate agent. <br />
The
exact opposite has happened. According to research from the National
Association of REALTORS®' latest Profile of Home Buyers and Sellers,
FSBOs accounted for 10 percent of sales in 2011, down from 14 percent
in 2003 and 2004. <br />
Nearly half of FSBO sales were intrafamily
transfers or other situations where the sellers already knew the
buyers. Only 6 percent of 2011 sales were FSBO transactions in which
the seller did not know the buyer.<br />
<img height="345" src="http://www.inman.com/files/u4478/FSBO_sales_2011.jpg" width="449" /> <br />
Here are some of the key factors that deter most homeowners from selling without an agent. <br />
1. <b>The decline of print advertising as a major lead generator</b><br />
In the past, newspaper ads would produce a fair number of calls on
FSBOs. Today, a three-line ad in the local newspaper has little chance
of competing with the wide array of information online, including
video, color photos, 360-degree virtual tours, and a wealth of
community and lifestyle data. <br />
2. <b>Buyers seek rich content</b><br />
IDX and VOW solutions, Realtor.com, Trulia and Zillow provide access
to virtually all the listings in most market areas. Most buyers comb
these major sites simply because it's more efficient than searching for
single properties. <br />
3. <b>Instant gratification</b><br /> A
third problem for FSBOs is that people who surf the Web usually are
seeking instant gratification. In fact, most visitors will only visit a
website once and stay for 15-30 seconds. If the FSBO has no strategy
for capturing the lead's contact information or for immediately
following up, the lead moves on to the next website. Even if the Web
lead does contact the FSBO, unless the buyer gets back to the FSBO
quickly, that lead is gone. <br />
4. <b>Buyers want the savings</b><br />
Even for those who do search for FSBOs, most buyers automatically
deduct 6 percent from the sales price because they want the savings in
their pockets, not the seller's. The result is that many FSBOs end up
selling for up to 20 percent less on average as compared with sellers
who hire a Realtor.<br />
5. <b>The needle-in-the-haystack effect</b><br />
A major challenge for FSBOs is the needle-in-the-haystack nature of
the Web. There are millions of websites including the hundreds of
thousands of company and agent sites. Without search engine
optimization, meta tags and a host of other branding strategies to
achieve high Web placement, the probability of the Web buyer finding
the FSBO's single listing online is small. <br />
Of course, the buyer
could post on sites such as ForSalebyOwner.com, ByOwnerMLS, or utilize
the "Make Me Move" feature on Zillow. The challenge is that unless the
buyer specifically wants to purchase a FSBO, it's much more efficient
to search on the brokerage or MLS sites.<br />
The FSBO could also put
his home on Craigslist. There are two challenges, however. First, the
FSBO has to repost the ad regularly for it to appear near the top where
it can be found. Second, there have been so many rental scams and
unsavory people using that site to identify targets for possible
criminal activity that listing there could be a major safety issue.<br />
6. <b>Web leads are reluctant to share contact information</b><br />
Another issue FSBOs must face is that most Web buyers are reluctant
to provide contact information to a stranger, especially during the
search process. Instead, buyers identify homes they want to see and then
normally contact a single agent who can show them everything they want
to see, not just a single home.<br />
7. <b>Availability for showings</b><br />
Because FSBOs don't have lockboxes, that means the FSBO will need to
be present for every showing. There are numerous challenges with this
situation, the most important of which is safety. Is the person who
wants to see your house legitimate or not? Even if you accept an offer
from a potential buyer, how do you know whether the person meets the
income and credit requirements to close the deal? <br />
8. <b>The proof is in the pudding</b><br />
Here's a great closing question for sellers who believe that
becoming a FSBO is a smart move. Did you know that Colby Sambrotto,
founder of ForSalebyOwner.com, which is one of the most popular and
robust FSBO sites on the Web, <a href="http://www.dailymail.co.uk/news/article-2022112/For-Sale-By-Owner-founder-sells-home--using-real-estate-broker.html" target="_blank">ended up listing his home with an agent AND paying a full commission</a>? <br />
If
he couldn't get the job done for himself using his website, how
effective do you think this approach will be in getting your home sold
for the highest possible price in the shortest amount of time? <br />
The
climate has never been better for prospecting FSBOs. If you haven't
considered adding this valuable niche to your business, there's no
better time than right now.Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0tag:blogger.com,1999:blog-1027270781927462587.post-32552358228722378382012-04-20T08:47:00.000-07:002012-04-20T08:47:00.491-07:00How to keep tree roots out of sewer line<h3 align="left" style="color: #333333;">
</h3>
Solution is simple but takes elbow grease
By Barry Stone<br />
<br /><i>DEAR BARRY: Roots have been getting into the main sewer line in
our front yard. The only nearby tree belongs to our neighbor, and he
definitely wants to keep it. Our plumber says the roots will eventually
do major damage to the line. If we sell the home, this will probably
have to be disclosed to buyers. Is there any way to solve this problem?
--Christine</i><br />
DEAR CHRISTINE: The solution involves some hard
work but is actually quite simple. The tree roots that grow toward the
sewer line should be cut as close to the property line as possible. If
you can dig a trench along the fence line, all of the roots that cross
the trench can be severed. Before refilling the trench, ask the people
at your local nursery about products you can bury that will retard root
growth in the direction of your sewer line.<br />
<i>DEAR BARRY: For
the past six years, the board of directors of our condo association has
been dragging its feet on major repairs, including water damage and
mold. Each homeowner has been assessed an additional $3,600 in the past
two years, yet nothing gets done. We would like to sell our unit, but
until these repairs are completed, this may be impossible. What, if
anything, can be done to get the HOA to act? --Deb</i><br />
DEAR DEB:
Your condo association may be overdue for new leadership. In the
meantime, members of the community should assert themselves. Since the
unrepaired defects affect a number of the owners, and since all
residents have been assessed thousands of dollars for repairs, a joint
demand for immediate repair work seems reasonable.<br />
The HOA
should provide an accounting of the moneys that have been collected, as
well as specific plans for making repairs. If the HOA has sufficient
funds in the account, it is time to hire contractors or to set specific
dates when repairs will commence. If the board continues to delay,
homeowners should hire an attorney to address them in a more convincing
manner. Perhaps there should be a general meeting of all owners, rather
than a closed meeting of the board. Talk this over with your neighbors
and see if they are willing to take a stand.<br />
<i>DEAR BARRY:
Before buying our home, we asked our home inspector about the black
mold on the bedroom walls. He said we should remove it with bleach
solution before repainting. Since then, we've learned that the mold is
probably inside of the walls as well and that the drywall should be
replaced. If our inspector had told this to us, we would have asked the
seller to make the repairs. What do you think about our inspector's
advice? --Janie</i><br />
DEAR JANIE: Home inspectors should not advise
buyers about methods of mold removal. Environmental hazards such as
mold are actually outside the scope of a standard visual inspection.
However, when home inspectors see evidence of possible mold infection,
they should recommend consulting a mold expert for further evaluation.
If your inspector gave you advice regarding mold removal, he
overstepped the limits of his profession.<br />
<i>To write to Barry Stone, please visit him on the Web at <a href="http://www.housedetective.com/" target="blank">www.housedetective.com</a>. </i>Stephen Clydehttp://www.blogger.com/profile/15418721512994323272noreply@blogger.com0