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Short-sale buyers seek closure
DEAR BENNY: Almost six months ago, we made an offer to buy a condominium, under a short-sale arrangement. Our real estate agent called it a clean deal, as we are paying cash and all closing costs.
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Mortgage seekers hit new roadblocks
Mortgage rates on conforming loans up to loan amounts of $417,000, and $729,750 in high-cost housing markets like San Francisco and New York City, are attractively low -- hovering close to 5 percent. That's the good news. The challenge is getting through the approval process.
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FHA program funds fixers
Investors have been taking advantage of low interest rates and discounted prices to buy run-down foreclosure properties, sometimes 10 or so at a time. They fix up the properties enough to be rented until the market turns, which could take years. When the time is right, the investor puts the finishing touches on the improvements and hopefully sells for a profit.
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Tech playing key role in real estate deals
Invariably, buyers or sellers are faced with important decisions at the most inconvenient times. They may be on vacation or on a business trip. Even if you're in town, you may be tied up in meetings and unable to take time to drive to your real estate agent's office.
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Death of a real estate deal
Take a proactive approach to buying or selling a home. By anticipating what could go wrong with your real estate transaction, you can take care of potential problems before they derail the deal.
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CALIFORNIA ASSOCIATION OF REALTORS®
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Patricia Woods
REALTOR®
Realtor/GRI
Excel Realty & Mortgage, Inc.
Pleasanton,
CA
94566
510.754.8145
800.471.0767
Contact Me
Visit My Web Site
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2010: year of the turnaround?
A spurt in home sales in 2009, aided by low interest rates and the first-time homebuyer tax credit, has led some economists to forecast a turnaround in the housing market this year. Other forecasters feel this is too optimistic a projection.
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View my Newsletter online at www.tracysold.com
To view to my Monthly Newsletter online, go to www.tracysold.com. The Newsletter is published in the first week of each new month.
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Housing Affordability Fund Mortgage Protection Program
Free Mortgage Payment Protection for First-Time Home Buyers
If you lose your job due to layoffs, you may be eligible for up to
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MAKING HOME AFFORDABLE PROGRAM
Neighborhood Stabilization Program
www.financialstability.gov
HOME AFFORDABLE REFINANCE & MODIFICATION
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Closing costs vary by location
Closing costs, the costs associated with buying or selling a home, can add up. It's wise to get an estimate of how much you're likely to pay in closing costs before you make an offer to buy a home or accept an offer to sell.
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Make your short sale shine
Short sales, where the lender agrees to take less than amount due to them, have tended to sell for less than similar homes in the area. One reason for this is that short-sale listings usually don't look as good as the competition. Another reason is that short sales require lender approval.
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Allow Me To Keep You Informed
To Subscribe to my Monthly Newsletter, send an email to patriciawoods@realtor.com for homes that are selling in your area.
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90-DAY EXTENSION TO FORECLOSURE PROCESS
California Foreclosure Prevention Act
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FHA, FANNIE MAE, AND FREDDIE MAC LOAN LIMITS Under the Recovery Act
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HOPE for Homeowners - Options to keep or sale your up-side-down home
Call 888-995-HOPE or visit www.995hope.org.
Mortgage Forgiveness Debt Relief Act of 2007 information: http://www.bankrate.com/brm/news/real-estate/20080110_mortgage_tax_relief_a1.asp
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