Posts Tagged ‘Amp’

www.lotsofsecrets.com Home Insurance Price May Go Up For Frequent Facebook & Twitter Users (Social Networks) Make sure you check out http “Providing Secrets the Celebirtys don’t want you to know” lotsofsecrets.com Twitter – twitter.com Face book – facebook.com

Renting houses is best done through a rental company or rental agent in the area, as they can put the rental unit on the market and get it occupied quickly. Choose tenants for a rental property wisely withinformation from a Massachusetts Realtor in this free video on real estate. Expert: Beau Sasser Contact: www.northamptonrealtor.com Bio: Beau Sasser has been at Goggins Real Estate in Northampton, Mass. for many years, previously working for Sasser Properties in Aspen, Colo. and EcoFriendly Properties in Destin, Fla. Filmmaker: David Pakman

Craigslist is an Internet phenomenon that brings millions of people to its local pages to peruse the latest deals. For the enterprising home seller, listing their home on Craigslist may mean that they get more potential buyers looking at the property. It certainly doesn’t hurt, but sellers beware, Craigslist isn’t a miracle working home selling device. Without the aid of a professional agent, your home may just join the rest of the discarded listings.

The problem with sites that claim that you can sell your home through Craigslist “without the help of an agent!” is that they don’t take into consideration the many details that are involved with real estate transactions. It may be easy to find a buyer for your property via Craigslist, but negotiating a home sale is a different situation. Many home buyers are not equipped to deal with the minutiae of a home sale while they’re trying to juggle a job, family and other commitments. Also, an agent has more contacts in the real estate world than the average mortal and can connect a seller with a buyer very quickly using them.

Will Craigslist supplant the MLS? It’s not likely. Craigslist has only a limited search capability – number of beds & baths and specific keyword searches. The keywords aren’t that useful for finding one’s dream home, either. Also, one has to wade through incorrectly classified ads and ads that are purposefully placed in the “real estate” category to get leads for buyers. Craigslist’s search parameters are not to be compared to the MLS’ more comprehensive searches and filters.

Craigslist is, admittedly, wildly popular and many people use it. Should you? As a part of a campaign that involves the MLS and other advertising, Craigslist can be very effective. Good photos, a comprehensive description and a link to the MLS or agent’s page are a must. The Craigslist post should contain words to the effect of “For more information, go to this link…” If there are fancy things like virtual walkthroughs on the agent’s page, those should be mentioned as well.

Craigslist is a great place for selling your old furniture and other belongings, but as the sole medium of advertising a home for sale, it falls short. It’s best used in conjunction with the services of a competent agent as an additional form of advertising instead of the only advertising. Good pictures and clear copy can help people searching for their perfect home narrow it down to yours.

“This is the first comprehensive guidebook to help you survive the olympic sport of purchasing real estate in the lower mainland.” Fred Lee Check out the highlights from our June 1st book launch of Show & Tell: Unlocking the Secrets of New Home Buying and panel discussion held at Inform Interiors in Gastown

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To make a more informed house buying decision, get involved with a Realtor who is knowledgeable about the area, research the registry of deeds to get a history of the property and become familiar with the neighborhood before making an offer. Make smart home buying decisions withinformation from a Massachusetts Realtor in this free video on real estate. Expert: Beau Sasser Contact: www.northamptonrealtor.com Bio: Beau Sasser has been at Goggins Real Estate in Northampton, Mass. for many years, previously working for Sasser Properties in Aspen, Colo. and EcoFriendly Properties in Destin, Fla. Filmmaker: David Pakman

Many prospective homebuyers in California are becoming increasingly aware of the term Mello-Roos when looking to purchase new and used homes. For those that are unfamiliar, Mello-Roos is simply a special tax assessed to homeowners in a community as repayment for bonds used to fund the infrastructure within their community.  To home buyers, Mello-Roos often carries a negative connotation, one where the monthly payment for a home will be significantly more than one in a non Mello-Roos community.  But is this a fair assessment?  We will attempt to answer this question in order to educate any potential homebuyers about Mello-Roos.

Advantages of a Mello-Roos District to Home Buyers

New schools, parks, recreation centers, etc can be built and funded using the revenue generated from the Mello-Roos income. More housing inventory will be created when undeveloped locations are built up. Generally speaking, low crime rates and highly desirable new schools are common in Mello-Roos communities.

Disadvantages of a Mello-Roos District to Home Buyers 

Cost of housing may be increased because of the tax, possibly limiting the amount of prospective buyers when it comes time for resale. Maintenance of the improvements could be more costly than anticipated.

Quick Mello-Roos Q & A

Q: Where Is Mello-Roos Most Commonly Found?

A:  In Orange County, CA most cities with new construction will have at least one community with Mello-Roos; however, the southern portion of Orange County is where it is most prevalent.  Likely cities might include: Irvine, Mission Viejo, Aliso Viejo, Tustin, Laguna Hills, Rancho Santa Margarita, Coto De Caza, and San Juan Capistrano.

Q: What Year Homes Have Mello-Roos?

A:  Almost always, Mello-Roos is found in areas with newer neighborhoods and subdivisions built between 1994 and the present.

Q: How Long Does Mello-Roos Typically Last?

A: The length of the Mello-Roos tax varies from subdivision to subdivision.  Fifteen years from the original build date is about average. The payment very rarely extends beyond 30 years or is shorter than 7 years. 

Q:  How Much Is It Typically?   

A:  Depending on the year of construction, it can range anywhere from $25 to over $300 per month; the actual tax is usually collected annually or semi-annually. 

A Brief History of Mello-Roos

The term Mello-Roos was derived from the names of its co-authors, Senator Henry Mello and Mike Roos. It is also generally termed as the Community Facilities District Act (CFD).  The CFD started when people in California voted for Proposition 13 in 1978 to limit property taxation. Therefore, new initiatives were considered to finance public constructions and improvements.  In 1982, the California State Legislature made Mello-Roos legitimate.

After passing a community vote with two thirds in favor of becoming a Mello-Roos district, bonds are issued to help fund the community infrastructure.  Normal services and infrastructure would include police services, schools, roads, ambulance and fire protection services, utility connection, sewer lines, and streetlights.  Once Mello-Roos is established, residents must repay the bonds in order to fund ongoing projects. A special tax is assessed to the homeowners as the repayment method and levied yearly. An ongoing lien is used to make sure that the taxes are safe and secured. 

The bottom line to the buyer of a home in a Mello-Roos community is that they will have to pay this tax in order to repay the municipal bond.  This would be in contrast to a non Mello-Roos community where the infrastructure and services would be paid for by the surrounding residents or the actual builder.

Final Thoughts on Mello-Roos

Considering the pros and cons of living in a community with Mello-Roos is very important for Orange County homebuyers.  Although Mello-Roos communities have many amenities that both established and newer Non Mello-Roos communities may not have, a prudent homebuyer should weigh these facts in determining if the amenities warrant the increased monthly payment.  Ultimately, homebuyers will need to decide if the attraction of a newly built home is worth the extra expense in areas prone to having the tax.  If a CA homebuyer is looking at homes built in the last 15 years, they should at the very least be inquiring as whether or not Mello-Roos exists in the community.  It is the buyer’s choice whether Mello-Roos is something they can live with and we truly hope this guide will make their decision easier.

Buying a home with no money is still possible through an FHA loan, which only requires a 3 percent down payment. Find a way to purchase a home with little up-front costs withinformation from an experienced real estate agent in this free video on home buying. Expert: Alicia Lowther Contact: AliciaLowther@realtyexecutives.com Bio: Alicia Lowther prides herself on providing excellent service for both home buyers and sellers in Pinellas County. Filmmaker: Christopher Rokosz

To buy land from people who do not want to sell, go through the registry of deeds, available online, to find out who owns the property, draft a letter outlining intentions, interest and possibly an offer, and give the owners a call to reinforce the point. Be honest and straightforward with property owners when making an offer withinformation from a Massachusetts Realtor in this free video on real estate. Expert: Beau Sasser Contact: www.northamptonrealtor.com Bio: Beau Sasser has been at Goggins Real Estate in Northampton, Mass. for many years, previously working for Sasser Properties in Aspen, Colo. and EcoFriendly Properties in Destin, Fla. Filmmaker: David Pakman

First Time Home Buyer Seminar with Kenn Renner 06

Getting a house ready for sale requires cleaning both the interior and exterior of the home, maintaining a well-manicured lawn, de-cluttering and depersonalizing the rooms and making the house smell inviting. Ready a home for sale, removing pets from the home while it is being shown, withadvice from an experienced real estate broker in this free video on real estate. Expert: Penny Smith Contact: www.liveoakgroup.com Bio: Penny Smith has been in real estate for more than 14 years. Filmmaker: Reel Media LLC

Visit www.PhilDeCarolis.com to sign up for my free weekly newsletter that includes Economic and Real Estate updates or for more Peter Schiff videos and real estate advice from an experienced Investor Let me help you protect and grow your wealth NOW before it is too late. Contact me right away for a referral to my own personal broker with Euro Pacific Capital that can advise you on the purchase of precious metals (Gold, Silver, etc..), Commodities And/Or Foreign Dividend paying stocks to hedge against rising prices and your loss of hard earned wealth. Join me in preserving your savings so that we can utilize our retained purchasing power to purchase Discounted/Cash Flowing California Real Estate Assets at the bottom of this downturn for pennies on the dollar that will rise in value dramatically during Californias’ next cyclical inflationary real estate bull market.

Upgrades made before selling your house can greatly affect the final selling price. Make smart upgrades to your home before selling withtips from a licensed agent in this free video on real estate. Expert: Richard Blake Bio: Richard Blake is a licensed real estate agent that has closed more than 20 times the number of transactions per year than that of the average realtor for the last three years. Filmmaker: Christopher Rokosz

May Las Vegas housing data suggests that we possibly reached the bottom of the residential recession in the 2nd quarter of this year. I haven’t seen a home buying frenzy like this since 2004, says Las Vegas real estate agent Stuart Shienfeld.

Foreclosures have dominated the housing market with more than 60 percent of the sales each month being bank-owned properties.

With sales at their highest level since June 2006 the first-time homebuyers and investors snatching up Las Vegas inventory, say realtor Stuart Shienfeld.

There were 5,276 bank-owned single-family homes listed for sale in the valley and of those 2,623 had contingent offers, Smith says. That leaves an inventory of 2,653. About half of those homes don’t have offers.

The downturn in the stock market combined with the growing affordability of purchasing a home has prompted increased interest in using IRAs and 401K’s to help fund the purchase.

The number of resale homes on the market as listed by real estate agents continues to decline. During the past year, the number has dipped 36.7 percent or 8,109 units, lowering the inventory to less than 19,000 homes. The inventory has dropped for 13 consecutive weeks with 6,700 fewer properties listed during that time. The number of vacant homes is just under 7,500, a drop of 49 percent.

The number of foreclosures in May was 1,769, a 26% decrease from last year.  This was the third month that foreclosure purchases surpassed the number of new foreclosures coming on the market.

New listings are down 18.1% from April 2009 and the number of units sold, are up 1.8% from last month.  The average days on the market for homes are hovering for less than 60 days. That is an average of almost 65%.

There are very few REO homes that are currently available without offers to buy. You really need to move quickly to get your offer in. When you do you should offer you’re highest & best offer, says Stuart Sheinfeld. Some banks will do a multiple offer sheet and some don’t, so I wouldn’t take the chance of losing the property.

August 10, 2007. Ron Paul tells CNBC’s Larry Kudlow how he would handle the credit crisis. – Larry Kudlow: Let me just ask you, talking about Armageddon, are you an economic pessimist about the future of America (Larry’s sick of all the economic pessimism)? – Ron Paul: No, I’m an optimist if we did the right things, if we restrained the FED from creating money out of thin air and causing all the malinvestment and encouraging Big Government spending, see we can’t have the spending if we don’t have the FED to bail the politicians out by monetizing the debt. ————————— “History told me that the urgency to acquire power is inherent in the State, any State. The American State had been held in leash by its peculiar Constitution, adopted at a time when the people were conscious of this urgency and were intent to hold it within bounds. They were particularly aware of the fact that the power of the State is in proportion to its income, and made sure that the State would not go hog-wild by limiting its power to tax. But, within a century new peoples with new ideas came upon the scene and this limitation was removed.” (-Out of Step- by Frank Chodorov)