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Mark Bradley of Real Estate Web 2.0 Secrets has looked high and low for the Top 10 Real Estate Web 2.0 Sites. From his research here is 4 more of Top 10 Real Estate Web 2.0 Sites.
Real Estate ABC is a site that is full of consumer hints, tips and resources meant for home buyers, home sellers and mortgage borrowers. It has a host of services and articles that can help you to purchase and sell homes. The site further provides useful guidance, correct home valuation, mortgage rates and calculators, realtor search, and a basic available home searching. They keep in mind the importance of home purchasing from the point of view of investors and give them the appropriate evaluation and valid information. You will realize that Real Estate ABC will give you the opportunity to purchase homes that will meet your own and personal needs and preferences.
Eppraisal Mark Bradley Highly Recommends Eppraisal! You will be able to procure information on home values, data on neighborhood, property rates and real estate market analysis. Whether you are a home seller, buyer or even an owner, you can contact their local real estate professionals, who operate as mortgage brokers, agents, appraisers and home inspectors. Eppraisal will supply you with data on real estate rankings, schools, demographics, cites and you can also get home value widgets. You also have the privilege of obtaining instant links on home values and local information. The real estate professionals will further assist you to enter into the best property deals. You can definitely make the most lucrative investments of properties by logging on to their site.
Retrove at is another leading website of real estate. Its uncomplicated and powerful search interface aids in consumers to find the best information and sources on various communities very quickly. Its vertical real estate search engine indexes a fixed number of listing resources. Its prime focus lies on human technology and review. This enables it to generate the most correct, reliable and appropriate results for the sake of its consumers. The index of Retrove is an astounding 12,163,321 sources. One can gain information about almost all listings in one’s local area. This site allows one to make the best monetary decisions in terms of home investments. The site also gives impartial resource listings thus producing the most correct results.
ChoiceA Mark Bradley Highly Recommends ChoiceA. One of the best interfaces in recent times. Its process for property searching is quite uncomplicated and one can see the results on a map, via a gallery or may be in the form of a list. The properties of listing on this particular site are quite to the point and clear. One can also obtain many useful tips, guidance and hints in the procedure. ChoiceA provide a few legal documents that are based on the states and thus enables the smooth selling of homes. The site is well known as a good FSBO site and does not charge any extra cost. The data on this site contains lesser jargons than most other sites. Connects you with renegade real estate sites like Craigslist, Oodle, Backpage, and Vast
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Hello again, and thank you for joining us today at the Butler Blog. As always, I am your host, Allen Butler, Managing Director of The Realty Butler LLC and agent of West USA Premier Properties.
Before we get started, let me remind our audience again regarding pre-foreclosure options: there are really only two; you can work it out so you can stay, or work it out so you can leave. Today, we’ll discuss your options for STAYING in the home, and there are two: either rectify the loan, or modify the loan.
Now, before we get too far ahead, I want to go back for just a moment here and pull the timeline of foreclosure, and review the “Action Zone” for homeowners. Remember, the quicker you call for help, the more options you’ll have. And, you’ll feel better knowing that a plan is in place for dealing with the problem.
Now, the reason for you loan “delinquency” is very important, because it determines your options in dealing with the foreclosure. There are two reasons for delinquency.
One reason is Hardship. This can be any number of things, from death to divorce to illness to military or job transfer. Notice that these “certifiable hardships” are something over which the homeowner has little or no control.
The other reason for delinquency is Strategic. This is where homeowners CAN pay their mortgage, but simply don’t want to because the house is too far “upside – down.” Whether fortunate or not, there is no help for people who have the money to pay, but choose not to.
Now, if you have a verifiable hardship, you have two options to STAY IN YOUR HOME:
1.) First, you can bring your balance current. If your hardship was temporary, or you have some way to come up with the money to clear the back payments and fees and continue the payments, you CAN get yourself our of foreclosure, right up until the home is sold at auction. Obviously, this will not be an option for many.
2.) Your only other option to stay in the home is to request a loan modification from your lender. Let’s examine these loan mods, and how they work.
Earlier this year, the US Treasury Dept issued the Home Affordable Modification Program or “HAMP” for short. The program has guidelines to determine eligibility for a loan mod, and it identifies four methods of doing loan mods. We’ll deal specifically with HAMP, as 85% of all mortgage servicers in the US use it, or a program like it, to modify loans.
Now, the primary goal of HAMP is to make loans more “affordable,” and it identifies an affordable mortgage as one that is not more than 31% of monthly net income.
It is important to note that all modifications are on a trial bases for 90 days, and if the payments are made in full and on time, and all requested documents are provided to the lender, the modification will be “locked in” for 5 years.
In order to be eligible for HAMP
1.) You have to either already be behind on payments, or in a position where your ability to make payments is about to stop.
2.) You must also have a certifiable hardship, as discussed previously.
3.) The loan must have been written BEFORE January 1st 2009
4.) Second mortgages and Home Equity Lines of Credit are NOT eligible for this program. The Dept of Treasury is currently working with investors and industry trade groups to develop ways to include second lien-holders into the program.
5.) Finally, your loan balance cannot be greater than $729,750
If you are eligible, your loan can be modified in up to 4 ways:
1.) Most loan modifications are done by lowering the interest rate. Rates can go as low as 2%. At the end of 5 years, the rate will go back to either your original rate, or the Freddie Mac 30 year fixed rate at the time of the modification, whichever is lower. If a rate adjustment is NOT sufficient to reach 31% of your monthly income, the lender can next adjust the term of your loan.
2.) HAMP says that lenders can extend and re-amortize loans for up to 40 years. However, many loans are sold in packages to loan servicers using “Pooling and Servicing Agreements”. These agreements usually will not allow servicers to extend the term of only one loan within the pool.
3.) Now, if lowering your mortgage rate and extending your term are not enough, lenders CAN do principle “forbearance.” This means that a portion of the mortgage will be “lopped off” and placed into an insulated “bubble”. You won’t pay any interest or principle on this portion for a while, but that amount is still attached to the mortgage, and the entire amount is still owed.
4.) The final modification is “principle forgiveness”. This means that a portion of your loan is again, lopped off, but this time, it’s entirely forgiven and “disappears”. Of the 1700+ permanent loan modifications made under HAMP so far, only 5 were achieved by principle reduction. In other words, the chances of this happening are SLIM.
Now, this highlights a problem.
Let’s talk about that for a minute.
I mentioned in our first installment that negative equity was a large part of the foreclosure crisis. Now, in comparing the problems of negative equity and unemployment against the programs in place to combat this foreclosure crisis, we see that these programs may simply delay the inevitable.
Let’s do a simple example for an Arizona family in trouble with their mortgage.
So, this family bought a home in 2005 for $250,000, and the monthly payment is $1,887 per month.
Now, hardship comes, the mortgage is modified, and the new payment is only $1025 per month. Now the family can afford their home. Remember, the family still owes $250,000 on the house. The fact of the matter is, right now, the home in question is really only worth $100,000 TOPS.
Now, let’s fast forward. In year 6, the loan interest rate goes back up. Is the family making more money now, so they can afford the re-adjusted payment? If not, they’re in the same boat they were in 5 years ago. But that’s only part of the problem.
Remember, the family still owes close to $250,000 on the home, and it was only really worth $100,000 at the time of the loan modification. If any life change forces a move, you’re in the same place you were in 2007; upside down, in a big way.
What will the real estate market look like in 2017? Who knows, but I’ll ask you, the viewer: how many years do YOU think it will be before home values in Arizona DOUBLE from what they are now, so these people can sell if they need to? My professional instincts say it’ll be PLENTY longer than 5 years. It’s already been 4, and the problem seems to just keep rolling along, impervious to efforts to stop it.
See, the bottom line is, loan modifications are a personal family decision regarding the home, and families should definitely proceed with caution. Also, be sure to keep an eye toward the future when planning your long term strategy. Remember:
1.) Your payment WILL go up again. IF you can afford to make the new adjusted payment, you’ll live happily forever after.
2.) You may be living in the home well, “forever after”. . .
Now, please listen, and listen carefully: I AM NOT advocating that Arizona homeowners should decide against a loan modification. What I AM saying is: do not jump in blindly, thinking that a loan modification will resolve the underlying issues. And remember that for the remaining 97% of the country where home prices have NOT crashed and burned, a loan modification may be exactly what those families need. They may have a very good expectation that they’ll be able to recover the equity they need to sell their homes again in 5-7 years.
Please, if you have questions or concerns about loan modifications, I encourage you to call our offices, or simply send an email. We are always here to help. Also, remember, these broadcasts are just my personal internet ramblings. The things I say should NEVER be construed as legal, credit, or tax advice. If you have questions regarding your specific set of circumstances, I strongly encouraged you to seek the appropriate professional counsel.
In our next installment, we’ll cover the SHORT SALE, what it is, who can do one, and why they would do one. Until then, if you have questions or concerns regarding your personal pre-foreclosure situation, I encourage you to contact me. My staff of highly trained and certified mortgage default specialists is always ready to take your calls or emails.
Until Next time, this is Allen Butler, Managing Director of The Realty Butler LLC, and agent of West USA Premier Properties, signing out.
Property Listings Topanga CA | http://www.Property-Listings-Malibu.com
http://www.Property-Listings-Malibu.com Property Listings Topanga CA 1 (877) 575-6584. Have you been looking through the property listings in Topanga CA recently? We are realtors who understand real estate in Topanga CA and other areas around Malibu.
www.Property-Listings-Malibu.com is the place to look for property listings in Topanga, CA. This town, located near Malibu, is a picturesque village that is optimizes the southern California lifestyle. Known for its eccentric residents and upscale service industries, Topanga CA is a great place to settle down and raise a family. The California real estate market has been radically changed since the recent economic downturn and homes that were once thought to only be affordable to those at high income levels can now be considered by people with a modest budget.
You need an experienced realtor who can show you how to take advantage of the lower costs represented in property listings in Topanga CA. At www.Property-Listings-Malibu.com, we have many years of working in this area under our belts. There is more to finding a dream home than just driving around looking for signs in front of available properties. Our insider-knowledge can be put to work for you as we try and find the best house available for an individual’s particular budget. If you have any questions, please give us a call at 1 (877) 575-6584 or go to our website www.Property-Listings-Malibu.com for more information.
Those who are selling a home have had an anxious time of late as property values continue to fall. Although the reduced prices found in property listings in Topanga CA are a great thing for buyers, sellers are very concerned as their investment shrinks in value every day. We understand this market intimately and we are here to help you get the most out of the sale of your home. Values are not only based on the attributes of your home. The price and condition of other homes in your neighborhood plays a role in your listing price, as well. We know how to enhance your home through small-scale improvements that will allow you to sell it for considerably more. There are also marketing techniques that we utilize to get the maximum amount of buyers through your door. Little efforts add up when selling a home and rest assured, we are here to do everything we can so that you garner top-dollar from the sale of your property.
We have been helping buyers and sellers realize the best values on property listings in Topanga CA for years 1 (877) 575-6584.
If you are interested in working with the most passionate realtors in the area, please visit our website at www.Property-Listings-Malibu.com.
Property Listings Zuma Beach CA http://www.Property-Listings-Malibu.com
http://www.Property-Listings-Malibu.com Property listings Zuma Beach CA 1 (877) 575-6584. Have you considered looking through the property listings for Zuma Beach CA? If so, we are a dedicated group of realtors who can help you find the perfect home in Zuma Beach CA.
www.Property-Listings-Malibu.com is a full-service real estate company devoted to helping buyers, sellers and investors get the most out of their money. There are many choices when it comes to finding someone to help you make sense of the property listings in Zuma Beach CA and all of the Malibu area. Our experience speaks for itself and you will never find a harder working group of real estate professionals. Do not let incompetence or someone’s ego cost you money. Our sole purpose is to help others realize their dreams. Please feel free to call us anytime and we will always answer your questions with the utmost of honesty 1 (877) 575-6584 and check out our website for more information at www.Property-Listings-Malibu.com.
One would think that most of the property listings in Zuma Beach CA would be prohibitively expensive for almost everyone, but with the recent downturn in the housing market, many are now realizing their dreams of living near the beach. Zuma Beach CA is known as one of the cleanest beaches in the greater Los Angeles area and the proximity to great schools and a host of other services makes this a great place to raise a family. The Malibu area must be seen to be believed as it represents the very best in the southern California lifestyle. If you think that recent events may finally put beach living within your budget, do not hesitate to give us a call 1 (877) 575-6584.
As good as times are for those who have been waiting to seriously search the property listings of Zuma Beach CA for a home, those who are selling property often wonder when they will be able to garner top-dollar again. The truth is, there are still opportunities for certain sellers and we will help them get the most possible for their house. There are several creative marketing strategies that we utilize to get scores of potential buyers through your door and by carefully evaluating the comparable home values in your area, it is possible to get a fair price offered.
Let our experience of the property listings in Zuma Beach CA work for you 1 (877) 575-6584.
Check out our website to learn more about how you can take advantage of these unprecedented times in the California real estate market www.Property-Listings-Malibu.com.
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http://www.CanadahIghRise.Com/Google Beautiful house for sale in brampton Gore/Cotrelle area .for free home evaluation goto http://www.home-values.ca priced like power of sale in brampton,very cheap house for sale,One of the best houses in Brampton Real estate market.Call Laddi 416-744-0200 for more info.better deal then for sale by owner.
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http://BuyAHomeHouston.com | Foreclosed Homes In Houston TX
BuyAHomeHouston.com services the following Zip Codes: 77001, 77020, 77040, 77060, 77080, 77201, 77230, 77290, 77277 and 77223, and can be contacted via phone at (806) 587-0130. Today's market is full of foreclosed homes, and many people are purchasing these at great prices. There has never been a better time to look for a home in Houston, TX. With the market in it‘s current condition, and great interest rates, you can save a lot of money. The business provides resources and listings of home that have been foreclosed in the Gulf Coast Area around Houston. Many of the services offered are designed to specifically help you, find the right purchase for your needs. Whether you are looking to purchase a home to live in, or flip a house, they offer the resources you will need to have a smooth transaction. If you are considering selling a home, or purchasing one that has been foreclosed. You are going to have to do some research to find out what a fair price. Similar houses in the neighborhood, are a good indicator of current values for different areas. When looking for foreclosed home in Houston, TX you should use this service to simplify meeting your information needs. They collect, and offer information pertinent to home values in the area. Knowing exactly, what your property, or the one you are looking to purchase is worth, is very important. The site also offers automatic updates, to keep you informed of current foreclosure listings. You must be able to react fast in today's market. Statistics are also available to help you make a well informed decision. If you know what current market trends are, you will be able to investment your money in a less risky fashion. If a current area is doing poorly in the housing market, the statistics provided by this company dealing with foreclosed homes in Houston, TX will let you know. That means you can focus your investment on areas that are doing well, or at least projected to improve in the future. The company offers great information, that will help you make a good decision when looking to purchase a property in the Gulf Coast area. At BuyAHomeHouston.com you will find a great array of resources for buying a foreclosed home in Houston, TX. They service the following Zip Codes: 77001, 77020, 77040, 77060, 77080, 77201, 77230, 77290, 77277 and 77223, and can be contacted via phone at (806) 587-0130.
WindEnergy7.com - If you want a home wind turbine, fill out home wind turbine contact form and I can connect you with the home wind turbine dealer for your area. There are still areas open for new dealers to become the local source for wind/solar systems. So, if you are interested in becoming a home wind turbine dealer fill out the Contact Form at - WindEnergy7.com - and we can see if your area may still be open for you to become the home wind turbine dealer for your county.
You will find links to pictures that I have published of home wind turbine rooftop system installations done recently. Some are featured in newspaper articles and so forth. WindEnergy7 LLC has invented and filed for patents on a few of the technologies that make home rooftop wind turbines feasible. We have been busy training and supporting owners and dealers from California to New Jersey over the past couple of years to expand our network of local home wind turbine dealers.
Our home wind turbene systems are Wind/Solar Hybrid, and are qualified for government tax crdedits of 30%. So, for your investment made in these systems the IRS credits you back 30% within one year of purchase. You get 30% back from the IRS. So, basically the government will pay for almost 1/3 of your investment made in your new home wind turbine energy system. This includes all installation costs and expenses and is a real nice start on your investment payback.
Free electricity isnt all you get from a new home wind turbine, as soon as your system is up, you have improved your home value by atleast an equal amount of the investment. Your green energy home is more likely to sell compared to others with no home generation or emergency power system. Think about it. Look at homes for sale.. Can any of them generate their own free electricity, how many can compete with such a solid green energy capability like your home wind turbine delivers. Its also an attention getter and will bring people to see what its about if you ever need to sell, your home has a dramatic edge and a higher resale value.
The home wind turbine systems are designed for reliable power output for the next 30 years or so. With every price increase of the utility company power your investment gets better all the time. Utility costs are rising all over and will accelerate over the next few years. We expect the cost of electricity to rise and double over Obamas term in office due to cap and trade and increased regulation and market pressure.
To see more videos of our home wind turbines, go to - WindEnergy7.com - and you can find info about becoming an owner, installer, or dealer of our home wind turbine systems.
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Veterans may wonder if its possible to get a VA loan for more than the home value. The http://www.directvaloans.com VA loan FAQ video series addresses the commonly asked question, Can I borrow more than the value of my home with a VA loan? A VA mortgage can finance up to 100% of a new purchase. The VA will not guarantee loan funds for more than the purchase price. If a VA borrower wants to make immediate property improvements after the home purchase can look into a second mortgage or HELOC if the home appraises for more. Based on VA guidelines a veteran borrower can refinance up to 100% of the homes value, as determined by an appraisal of the homes current value. With a VA streamline refinance or an IRRRL a VA borrower can refinance the entire current mortgage into a new loan with a lower rate. For the complete video series and to find more answers to your most commonly asked VA loan questions at http://www.directvaloans.com/VA-Loan-Questions/Default.aspx.
Lets talk about how much a qualified veteran can borrow on a VA home loan. The http://www.directvaloans.com VA loan FAQ video series addresses the commonly asked question, What's the most I can borrow with a VA mortgage? First we need to look at entitlement. This is the VA guaranteed amount, and is typically 25% of the loan. Each veteran receives basic entitlement of $36,000 and this is for a loan up to $144,000. With many home values now exceeding that amount bonus entitlement of $68,250 now comes into play. When added to a basic entitlement qualified veterans now have $104,250 worth of entitlement for loans between $144,000 and $417,000. Of course ability to pay determines how much entitlement can be used and how much a VA lender will lend. For the complete video series and to find more answers to your most commonly asked VA loan questions at http://www.directvaloans.com/VA-Loan-Questions/Default.aspx.
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This video will break down how to get your home sold in any real estate market. Lance Mohr is a real estate expert in Tampa, FL. For your Tampa home value visit http://www.Tampa2Enjoy.com