http://myagentsspace.com/rss/Blogs http://myagentsspace.com/rss/link_blogs/id_209/ http://myagentsspace.com/rss/link_blogs/id_209/ With the opening of the Lewisville Lake Toll Bridge fast approaching, community leaders have joined together with the North Texas Tollway Authority to creat an event that would celebrate the opening of the bridge and allow the community to participate in the momentous occasion. The result of their hard work being the creation of the Run the Lewisville Lake Bridge 5K Race and Family Fun Walk. The event is a one time only chance for the public to walk or run this new North Texas landmark. The event will be held on August 1, 2009 beginning at 8 a.m. with the 5K race. To register or for more information, go to http://runlltb.com. All activities will begin in the West side of the bridge at Swisher Road. Come join in the fun and celebration with us. Thu, 18 Jun 2009 15:06:37 -0700 http://myagentsspace.com/rss/link_blogs/id_208/ http://myagentsspace.com/rss/link_blogs/id_208/ 0Buying a home is probably the biggest investment you will make, with long-term financial ramifications. It calls for many informed decisions and for good advice from a real estate professional. When buying a home, you can learn from the knowledge and skill of a Real Estate Agent. Tip #1: Research Is The Key To DiscoveryHome sellers won't call you with an offer to buy a maintenance-free home with a wonderful mortgage. You have to find the gems yourself! Only by reading available materials, talking to friends and experts, and spending time looking at different homes, schools, and neighborhoods will you end up with your American dream. Avoid the nightmares by learning how best to buy and maintain a home.Tip #2: Make A Plan And Get Pre-QualifiedEvery important decision needs to be clearly thought out. Developing a home buying plan can help you focus on the important factors and organize the entire process. You may even want to use a binder with sections on house hunting, home financing, service providers, etc. Loan pre-qualifying helps you determine the home price you can afford and presents you as a genuine prospect to the seller. A lender typically uses the 28% formula (your monthly mortgage can't exceed 28% of your monthly income) in approving your loan. Planning your actions and getting pre-qualified will keep you out of the panic mode and allow you to take advantage of opportunities. A thorough plan will save both time and money!Tip #3: Value, Value, ValueThe days of 10-30% annual appreciation have passed. Homebuyers in the 1970's benefited tremendously from what seemed like ever appreciating home prices. Nowadays, you're looking at slow growth while guarding against the possibilities of falling prices, skyrocketing ARM rates and corporate layoffs that can dramatically affect your home values. The classic rule of buying the worst house in the best neighborhood still applies. If you buy with an eye towards improvement, you can customize the home to fit your needs. The saying, "make money buying a home, not selling one," should keep you focused on the long-term importance of the purchasing price.Tip #4: Create A Top 10 List Of AmenitiesWhen shopping for a home, list the features (fireplace, fenced-in yard, new appliances, etc.) that are most important to you in deciding on which home to buy. Establishing "your criteria" early on will save time shopping for inappropriate homes and may keep you from buying a home on a whim. As detailed in Tip #3, your top reason for buying a home should be the value you are getting. Some of your top 10 amenities should logically be sacrificed if an incredible value is available.Tip #5: Fixed vs. Adjustable Rate MortgagesAdjustable rate mortgages have an initial fixed rate, which is followed by a period of adjustment intervals during which the rate adjusts based on the performance of several key indexes. Typically the initial fixed rate on an ARM is slighly lower than the comparable rate of a fixed rate mortgage.Fixed rate mortgages allowe buyers to take out a long term loan without having to worry about changing interest rates or monthly payments. Most fixed rate loans are offered in either 15 or 30 year terms.Most buyers will be well served by a fixed rate loan, but each situation is unique. While ARM loans have become less popular in recent years, they can still be a viable option for some buyers - especially those who plan on selling again in the short term. Whichever loan you choose; make sure that you scrutinize all the closing costs. If you are required to have a mortgage escrow account and private mortgage insurance, make sure you understand the terms and cancellation procedures (your Real Estate Agent has publications to assist you). Also, make sure there are no prepayment penalties so that you can utilize an accelerated mortgage plan. A good mortgage reduction plan can save you tens of thousands in interest costs, and shorten your loan term, with only small extra principal payments. If you experience negative changes in your job, health, or marital status, you can revert to the standard payments in your mortgage contract.Tip #6: Sign A Contract That Protects YouMake sure that the contract you put on a house allows you to arrange financing, inspect the home and negotiate any problems that you uncover. Ensuring that the contract you sign will minimize potential legal battles will let you swim in your new pool with your family and neighbors instead of with the sharks.Tip #7: Put Yourself In The Seller's ShoesYou are about to make one of the most important decisions that will affect both your life and the life of the seller. If you take time to understand the reasons the seller bought the home, their reasons for selling, and the home improvements they have or have not made, you'll be in a better position to evaluate the home and negotiate a better deal. In the end, the home buying process excludes the professionals and comes down to the individuals buying and selling the home. A closer look at the seller may help you in deciding whether and for how much to buy a particular home.Tip #8: Develop A Mortgage Shopping ChartOne of the biggest decisions to make before putting a contract on a home is how to finance the purchase. There are 10,000 lenders competing for your mortgage business. The days of simply walking into the community bank and negotiating with the loan department manager are over. Today, you can apply for a loan over the Internet or even use a mortgage broker to shop for your loan with hundreds of lenders. When choosing a lender, you want to avoid apples to oranges contrasts by comparing fixed rates to fixed rates, not fixed to ARM's. Create a chart that lists different types of loans, fees, and at least five mortgage providers (including a mortgage broker).Tip #9: Get A Quality Home InspectionAlthough it is hard to believe, more people pay for inspections before buying used cars than when making the biggest investment of their lives - their homes. Paying for a qualified home inspection before you buy a home isn't just spending "a little extra" for peace of mind; it's absolutely essential for anyone who doesn't want to spend thousands of dollars for repairs.Tip#10: Peace Of Mind: Home Protection PlansTo protect both you as a buyer, as well as the seller, it is a good idea to purchase a home protection plan.  What exactly is it? A home warranty, or home protection plan, is a service contract, normally for one year, which protects homeowners against the cost of unexpected repairs or replacement of their major systems and appliances that break down due to normal wear and tear. A negotiable contract between the buyers and sellers which does not overlap or replace homeowner's insurance policy, this type of warranty can save the new homeowner lots of headaches, as well as put seller's fears to rest. The warranty covers mechanical breakdowns, while insurance typically repairs the related damage. For example: if a hot water heater burst and destroyed a wall in your home, the warranty would repair the water heater and your insurance would pay to fix the wall. Mon, 16 Feb 2009 15:02:10 -0700 http://myagentsspace.com/rss/link_blogs/id_207/ http://myagentsspace.com/rss/link_blogs/id_207/ Hello every one We provide direct free assistant person to person any where in most of the U.S.A for home buyers and seller.Qualified realtors nation wide are willing to sit down with you in your area, answer all of your questions. give you advices to assit you in buying your home successfully. All what you need is to place a request and we wil have an agent to contact you with in 48 hours. you can send an email with your request through this email kaddourarashid@yahoo.com Don't hesitate to speak your mind with us.Have a nice day,Rashid kaddouraUnity Realty Wed, 17 Dec 2008 13:12:28 -0700 http://myagentsspace.com/rss/link_blogs/id_206/ http://myagentsspace.com/rss/link_blogs/id_206/ Hello every one.If you like to get free foreclsoure listing any where is the U.S.A you can email me at kadodurarashid@yahoo.com. with your request. limit 2 counties per  or 4 zipcodes per client. Must be a serious home buyer or seller. I respond to emails only on the housrs from 8:00-5:00 pm EPT Monday through Friday.Best regardsRashid kaddoura   Wed, 17 Dec 2008 10:12:43 -0700 http://myagentsspace.com/rss/link_blogs/id_205/ http://myagentsspace.com/rss/link_blogs/id_205/ The USDA Rural Development has offered a new program for rural housing loans.  Tony Ferrari with Prime Loans has offered the following outline of the program.As everyone knows the market has been moving at an unprecedented pace.  The big news of the week is the Bush administration has announced to use 250 billion of the 750 billion bailout bill recently passed by Congress.  The money will be used to purchase stock in 9 of America's largest financial institutions.  This has added much needed confidence.  The market rallied Oct 13th with gains of 936 point on the Dow moving up 11%.  Is this the end?   There are still some major hurdles to overcome but things have finally begun to turn in the right direction.How does this affect the rates and mortgages?  This plan should stabilize the banks with relief from the bad mortgages and free up money to lend on new mortgages.  Although it seems harder to obtain a mortgage these days, it is still a great time to buy.  Rates are still below the yearly moving average.  Prices are low.  Down payments are still minimal.   FHA and VA mortgages have yet to get hit with any major changes.The United Stated Department of Ag (USDA) has introduced a loan product that still offers 100% financing with all closing cost rolled into the loan.  This loan mirrors the FHA with down payment assistance.  Although it is focused on Rural areas it works in more areas than it leads onto.  This product is a great alternative to getting into a home with no money down.  There are no fico requirements and loan size restrictions with the USDA loan.  Every borrower is reviewed on a case by case basis.Bottom line...before you postpone your next move based on news that the media is delivering, check with us to see how we may help you clear some of the current hurdles!For more information or to see if you qualify for this program, contact Tony Ferrari with Prime Lending at 972-738-0131 or Linnea Lavell with RE/MAX First Realty II at 214-280-5900. Thu, 16 Oct 2008 18:10:40 -0700 http://myagentsspace.com/rss/link_blogs/id_204/ http://myagentsspace.com/rss/link_blogs/id_204/ It’s a very complex to buy a home. Too many people think it's an easy process. What are the complexities face the first time home buyers? They are the following  1-Knowing the time on making the decision on when to buy  2-finding the right location  3- Paying the right price,  4-knowing the steps of the purchase process such as how to qualify for the loan, How much of a loan can be qualified for.  5- What is involved in eh purchase contract process such as how much deposit, own payment, How to get guarantees against scams, defected properties, over priced properties, and when and how to close on the deals.  6- How long it takes to purchase the property.  7 What are the costs associated with purchasing the property.  8- Finding a trustful realtor, or financing agent.  When people don't have an idea idea of some of the points above their plans for purchasing become delayed or they end up with out buying properties. They end up missing many opportunities what is the first step towards making purchasing property realty? since it wil be too mcuh to read all the details involved of the above points. Purcahasing a home can be sumerized in  three quick steps. If the reader of this article doesn’t have them, most likely will end up of not buying a  home in their life.  1- To have trust to contact me through my email at rashidk@remax.net. Communicate with me freely with out any hesitation.  2- Make a decision in your conscious to buy property within three months regardless of the market condition  3-rely on qualified agent to give you the advice, or the support to study the market and assist in making the decision. My best wishes to you,Rashid kaddoura  Tue, 14 Oct 2008 15:10:28 -0700 http://myagentsspace.com/rss/link_blogs/id_203/ http://myagentsspace.com/rss/link_blogs/id_203/ WELCOME TO LATEST UPDATES ON REAL ESTATE NEWS IN THE SILICON VALLEY.What is going on in the real estate market in the Silicon Valley? are the prices going down? are the sales going up? how is the foreclosure market? Is it a good investment to buy property in the Silicon valley? Is it good time to buy in the Silicon Valley? yes you will get answers for all of these questions.So far prices of the real estate in the Silicon Valley are varying from city to another. Here are some cities that have experienced increase of the property prices. Cupertino and Los gatos didn't have any price decline, the foreclosure in these cities was very low or close to none.Santa clara prices were held steady except on some foreclsoures which were selling belwo market price. foreclsoures were low that can be counted on fingers. the only area that have experienced drop in the prices and high foreclosure rate is East San Jose and some prperties in the western San Jose. Bargaining in Santa Clara is very limited. The options are too little and there are many buyers are waiting and holding to buy later on. buy the summer of 2009 the buyers will casue a jam on property buying in Santa Clara, this is my expectaions but not guaranteed. my reasoning is that there are hundreds of buyers are waiting tfor the market to drop, when they realize this will not happen they will be driven to pick one of two choices, 1- to rent or to buy, if they choose to rent the rent will sky rocketing, I fhey buy then will be encountered with other interested buyers on the same property. whcih might turn the market into sellers market. this apply to most of the cities in San Francisco Bay Area. is it good time to buy now. I will leave  it to the reader to give me the answer. you can anser me by contacting me through my email addres kaddourarashid@yahoo.commyagentsspace.comRashid kaddoura Tue, 14 Oct 2008 13:10:06 -0700 http://myagentsspace.com/rss/link_blogs/id_202/ http://myagentsspace.com/rss/link_blogs/id_202/ CHECK OUT THIS WEBSITE FOR REAL ESTATE NEWS http://realtytimes.com/Contact the leader for superior real esatate services. rashidk@remax.netWe provide quality services for quality customers. Tue, 14 Oct 2008 13:10:48 -0700 http://myagentsspace.com/rss/link_blogs/id_201/ http://myagentsspace.com/rss/link_blogs/id_201/ You know that it’s important to regularly check your credit report. But what do you do if you find an error? And for that matter, what kinds of errors should you be looking for? While most errors are small and easily corrected, it’s important to follow a dispute process for any errors you find. Mistakes on your report of any size can affect your credit rating and have lasting implications if not resolved. That’s why it’s important to learn what to look for and how to resolve any issues you find.Consistently reviewing your credit report is the best way to spot simple mistakes as well as potential fraud. By staying on top of your credit file and knowing when errors occur, you can have such inaccuracies removed quickly and easily. This could potentially minimize the negative financial impact such errors can cause. Remember — you’re entitled to one free credit report annually from each of the national credit reporting agencies. Keep in mind that in addition to noting changes to your credit file once a year, you can gain additional information from choosing to purchase monitoring products that will alert you on a regular basis throughout the year if any key changes are found in your credit file.Inaccurate information in your credit report can include something you didn't buy or authorize, amounts that differ from what you actually paid, different purchase dates, items not properly identified, math errors, missing payments made or absent credits to your account, accounts mistakenly attributed to you, and application notices that you didn't fill out. If you uncover an error, gather all of the information you can before attempting to resolve it. Click here to learn more about initiating a dispute.If you found an inaccuracy in your credit report at one credit reporting agency, you may want to get your credit report from the other two agencies to see if their reports contain the same error. After you've corrected an error with one agency, the other agencies should eventually receive the corrected information. But for prompt correction, it's best to contact each of the three agencies individually. Remember, your best allies in resolving errors on your credit report are major credit bureaus like Equifax and your own sharp eyes and careful attention. Tue, 23 Sep 2008 13:09:06 -0700 http://myagentsspace.com/rss/link_blogs/id_183/ http://myagentsspace.com/rss/link_blogs/id_183/ Welcome to the REO finder. To all who like to get lisitngs and updates for bank owned properties in Santa Clara or the Silicon Valley, please email me at rashidk@remax.netOr contact em directly by phone 408-509-2604  Wed, 10 Sep 2008 12:09:21 -0700 http://myagentsspace.com/rss/link_blogs/id_181/ http://myagentsspace.com/rss/link_blogs/id_181/ Worried about paying your mortgage?  FREE SEMINAR: Learn Your OptionsIf you are having trouble making your mortgage payments or are receiving default notices please plan to attend this free seminar  Learn what steps you can take to avoid foreclosure. Speakers will include representatives from the following industries:Mortgage Lending Title Company Credit Counseling Real EstateThe seminar will be held March 6 from 6:30-8:00 p.m. at RE/MAX First Realty II, 2831 Eldorado Parkway, Suite 108, Frisco, TX.  Registration is required.  For more details or to register contact Linnea Lavell at linnealavell@remax.net or 214-280-5900. Mon, 18 Feb 2008 15:02:11 -0700 http://myagentsspace.com/rss/link_blogs/id_180/ http://myagentsspace.com/rss/link_blogs/id_180/ The Federal Housing Authority (FHA) is the organization of the U.S.  Housing and Urban Development (HUD) that insures certain mortgage loans for lenders.   If the lender forecloses on a  FHA loan, FHA will repay the balance of the loan to the lender and the title reverts to HUD.  HUD then resells the homes at market value through contractors in that area (i.e. in Texas they use Southwest Alliance).   Not all real estate agents have access to HUD houses.   In order to view,  make offers and sell HUD owned properties, a brokerage must be registered with HUD as well as have an identifier number.   HUD houses are sold on a "bid" system and there is a process that must be closely followed.  Your agent should be able to walk you through the entire process, answer questions and provide you with the required documents.  Finding an agent that is experienced in selling HUD homes can make the process go a lot smoother.   Purchasing a HUD home can be a very simple, rewarding process if you take the time necessary to make sure you are working with a real estate agent that is familiar with the system. Tue, 12 Feb 2008 15:02:15 -0700 http://myagentsspace.com/rss/link_blogs/id_179/ http://myagentsspace.com/rss/link_blogs/id_179/ Worried about paying your mortgage?  FREE SEMINAR: Learn Your OptionsIf you are having trouble making your mortgage payments or are receiving default notices please plan to attend this free seminar  Learn what steps you can take to avoid foreclosure. Speakers will include representatives from the following industries:Mortgage Lending Title Company Credit Counseling Real EstateThe seminar will be held March 6 from 6:30-8:00 p.m. at RE/MAX First Realty II, 2831 Eldorado Parkway, Suite 108, Frisco, TX.  Registration is suggested.  For more details or to register contact Linnea Lavell at linnealavell@remax.net or 214-280-5900. Tue, 12 Feb 2008 14:02:31 -0700 http://myagentsspace.com/rss/link_blogs/id_178/ http://myagentsspace.com/rss/link_blogs/id_178/    Considering an Insurance Policy, that Offers: ROP ( Return of Premiums)  ?There are Several Factors that You Should Consider:1. Can You Afford the Additional Premium ?2. Does ROP Make Financial Sense for Your Specific Situation ?3. Would the Additional Premium, be better off invested somewhere else ?FOR ANSWERS: Please CONTACT US:Free Brochure: IS ROP FOR ME ?We will email you a Free copy. Tue, 15 Jan 2008 09:01:06 -0700 http://myagentsspace.com/rss/link_blogs/id_177/ http://myagentsspace.com/rss/link_blogs/id_177/ Should you Rent or Own?If you need somewhere to live, you have two options available. You can either rent or you can buy. Of course, there are other setups that you can look into, but all in all, these are your two best options. Although it may sound easy enough to choose, when it comes down to it, deciding to rent or own can be a very difficult decision. After all, there are some benefits and drawbacks of each one. You will want to make sure that you are sure of what you are getting into no matte which option you choose.First off, take a closer look at what renting has to offer. The main benefit of this is that you will not have to pay any large sums of money out of your pocket up front. In other words, you do not have to pay for a down payment or closing costs. At most, you may have to pay a security deposit in order to protect the landlord. On the other side of things, when you rent a home or apartment you are not building any equity. You are basically paying somebody else for a space based on your lease. When you leave you leave. You do not have to sell anything, and you do not own any stake in the property.On the other side of things, buying a home means that you are going to more than likely need money for a down payment and closing costs. There are some loan programs that may work with you as far as the down payment is concerned, but generally speaking, you are going to need some money in order to finalize the transaction. But of course, when you own you will be building equity in a piece of real estate. And if you are lucky enough to finally pay your home off, you will be in a position to live mortgage free. This is a day that a lot of people look forward to.As you can see, there is no way of saying if you should rent or own. You need to decide what benefits you the most, and then make your move. The decision should be yours, and after doing research into both options, you should be able to make up your mind. Fri, 23 Nov 2007 13:11:12 -0700 http://myagentsspace.com/rss/link_blogs/id_176/ http://myagentsspace.com/rss/link_blogs/id_176/ 1. For some people, managing the mortgage is as simple as preparing and following a monthly budget. For others, the bills are behind and the pressure is unbearable.Solving debt problems can feel like finding your way in the dark, but it doesn't have to. The Web Site, http://www.holdontoyourhome.org/ is designed to give people all of the information one needs to deal with such a personal situation.  Thanks to the vision and commitment of the City of Lansing and The Ingham County Treasurers Office, this site and any resources referred to in this site are free.2. Lydia Burtraw from Countrywide Home Loans informs me that the Michigan State Housing Development Authority has announced a rate DECREASE for it's Single Family Program, effective 11-5-07.     Interest Rate DECREASE Effective Monday, November 05, 2007 Effective for all loan reservations received on or after Monday, November 05, 2007, the interest rates for the MSHDA Single Family Loan Program will be as follows:         Statewide Fixed NO DPA - (FHA, VA, Conventional & RD) - Fixed Rate - 30-year term             5.375%  - No Discount Points - One percent (1%) origination fee         Statewide Fixed WITH DPA - (FHA, RD & Conventional 97%) - Fixed Rate - 30-year term             5.750% - No Discount Points - One percent (1%) origination fee (FYI: DPA = Down Payment Assistance program, additional restrictions apply)3. Looking for another great place to learn about mortgages? Visit Don Grimes site for tons information on home buying and mortgages.4. Visit My site often and study the links available on home buying and selling in the greater Lansing area. Mon, 5 Nov 2007 14:11:56 -0700 http://myagentsspace.com/rss/link_blogs/id_175/ http://myagentsspace.com/rss/link_blogs/id_175/ Well, the Fall Season is upon us and there is plenty to do in the Lansing areafor families and single people. I hope you enjoy the opportunity to visit some of these events. NAR recently came out with new economic reports and I also have attached the 3rd Quarter Report from Coldwell Banker Hubbell Real Estate Co. The market has shown additional activity over the past few weeks and NOW is still the best time to buy a home. In other good news, the House recently pass a Tax relief bill for homeowners in trouble with their mortgages. If you have questions, or want additional information on homeownership or selling in today's market, you'll find tons of information at my site: http://mikebowler.com/ Sat, 27 Oct 2007 13:10:55 -0700 http://myagentsspace.com/rss/link_blogs/id_174/ http://myagentsspace.com/rss/link_blogs/id_174/ Mistake #1 -- Placing the Wrong Price on Your PropertyEvery seller obviously wants to get the most money for his or her product. Ironically, the best way to do this is NOT to list your product at an excessively high price! A high listing price will cause some prospective buyers to lose interest before even seeing your property. Also, it may lead other buyers to expect more than what you have to offer. As a result, overpriced properties tend to take an unusually long time to sell, and they end up being sold at a lower price. Mistake #2 -- Mistaking Re-finance Appraisals for the Market ValueUnfortunately, a re-finance appraisal may have been stated at an untruthfully high price. Often, lenders estimate the value of your property to be higher than it actually is in order to encourage re-financing. The market value of your home could actually be lower. Your best bet is to ask your realtor for the most recent information regarding property sales in your community. This will give you an up-to-date and factually accurate estimate of your property value. To download the full report simply Click Here  Wed, 24 Oct 2007 18:10:44 -0700 http://myagentsspace.com/rss/link_blogs/id_173/ http://myagentsspace.com/rss/link_blogs/id_173/ I recently got a pre-paid legal services membership. It has been so helpful, that I want to share it with others. It covers many legal issues we face everyday for only $35.95 a month. Please visit my website for more information.For Realtors working with clients in foreclosure or short sale, you can refer them to the service so, you don't have to give them legal advise since there's a specialized firm in the local area your clients can consult at no extra charge. This service is available in USA and Canada.www.prepaidlegal.com/hub/carmengabriel Mon, 15 Oct 2007 11:10:57 -0700 http://myagentsspace.com/rss/link_blogs/id_172/ http://myagentsspace.com/rss/link_blogs/id_172/ Home Buyer's Kit for Lansing Area Real Estate "To leave satisfied you must arrive prepared."Consider this your home buyer's toolkit. Open it up, take a look around, and if you like, start equipping yourself with the tools necessary to make your best purchase. In most businesses, knowledge equals power, and real estate is certainly no exception. I hope you enjoy the free reports I've provided, and I hope you learn a little more about what it takes to make your important purchase a great one. The real estate market in Lansing is certainly volatile, and all of the information about buying a home can be overwhelming. I can help. When you're ready to act, contact me.  I look forward to working with you. Visit Here for Additional Information. to assist your home buying experience.   Visit My Open House Sunday, September 9th 1:30 - 4:00 P.M. 4864 Sycamore, Holt. This wonderful 1600+ sq.ft Ranch features: 3 bedrooms, 2.5 baths, first floor laundry, full basement, great room, wooded lot and much, much more. Priced to sell! Details: http://mikebowlersr.com Fri, 7 Sep 2007 14:09:21 -0700