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Novel Tips for Organizing Your Bookshelf

by renee
I saw this article and thought it would be a helpful tip to pass along.
The best improvement you can make to sell your home quickly is to clean and declutter. It’s a great way to increase the value and appeal of your home because it’s free! In my own house, I’ve used this idea of lining walls with matching bookcases. I bought white ones which match the trim in the room and make it look brighter. After reading this article, I’ll be checking to see if I have too much clutter there.

HOW TO CLEAN: 7 WAYS TO ORGANIZE YOUR BOOKSHELF

Realty Times – Remodeling Improvements That Entice Buyers

by admin
Remodeling Improvements That Entice Buyers

Over the last few years, some homeowners have opted to stay put for the time being and that’s caused them to consider remodeling instead of moving. But most homeowners know that one day they might need or want to sell their home so which remodels help to add value and entice buyers?

Read more: Realty Times – Remodeling Improvements That Entice Buyers.

Borrowers’ right to foreclosure review

by admin

Is your home currently in foreclosure or have you lost your home to foreclosure? Many people are the victims of improper foreclosure procedures. You can request a free independent review. To find out more read this information from Consumer-Action.org.

Homeowners who’ve suffered financially because of improper foreclosure practices are entitled to have their case reviewed as part of a government consent order for 14 mortgage servicers.

Borrowers who experienced servicer errors, misrepresentations and other problems in 2009 and 2010 can report foreclosure complaints and request an independent review.

There is no charge for the review and applying for one will not affect any other foreclosure prevention effort homeowners are attempting.

An independent reviewer, not associated with the mortgage servicer, will evaluate the process and search for mistakes or abuses.  Consumers can request a foreclosure process review if they have had:

– documents lost
– time wasted applying and re-applying for loan modifications
– interest and fees pileing up due to servicer delays
– lost their home to foreclosure unnecessarily or
– other related financial problems

Mortgage servicers began notifying consumers by mail of their right to review Nov. 1 and will continue throughout the year to try to contact 4.5 million affected homeowners.

Consumers who do not receive notice from their servicer can call 888-952-9105.

Consumers will be eligible for compensation for their losses where reviewers find errors or abuses. Federal regulators have not determined how victims will be compensated if problems are found.

Homeowners must submit a completed 5-page review form by April 30, 2012.

For more details click on www.IndependentForeclosureReview.com

Participating servicers include:

America’s Servicing Company
Aurora Loan Services
Bank of America
Beneficial
Chase
Citibank
CitiFinancial
CitiMortgage
Countrywide
EMC
EverBank/Everhome Mortgage Company
GMAC Mortgage
HFC
HSBC
IndyMac Mortgage Services
MetLife Bank
National City Mortgage
PNC Mortgage
Sovereign Bank
SunTrust Mortgage
U.S. Bank
Wachovia
Washington Mutual
Wells Fargo

Renting vs. Buying

by admin

This week Hotpads.com, a national housing search engine, released information that from April 2010 to April 2011 average rental prices in the United States rose 7.4% and average listing prices of property for sale declined 8.8%.

If you are considering your options on purchasing or renting, give me a call and let me help you make an informed decision. You might be surprised at what is available!

Good Time to Buy!

by admin

Are you considering taking advantage of some of the great buys out in the real estate market lately? Now may be a good time to give some serious consideration to purchasing a new home. This week the Business Journal reported that long term mortgage rates have fallen.

Here is an excerpt from the Journal report.

A 30-year fixed-rate mortgage averaged 4.76 percent this week, down from 4.88 percent last week. A 15-year fixed-rate mortgage fell to 3.97 percent, the lowest in three months. A week ago, a 15-year fixed-rate loan was at 4.15 percent.

The average rate on a one-year adjustable-rate mortgage fell to 3.17 percent from 3.21 percent.

“With the crisis in Japan, investors rushed to buy the security of U.S. Treasury bonds, which lowered its yields and other interest rates as well,” says Frank Nothaft, chief economist at Freddie Mac (OTCBB:FMCC). “This allowed fixed mortgage rates to drift lower this week.”

Read more: U.S. mortgage rates fall | The Business Journal

If you have any questions or would like to look at some local properties, please feel free to get in touch with me.

Looking for a new neighborhood?

by admin

Are you looking to take advantage of the low prices on housing?  Despite the news about tightened lending practices, many people are taking advantage of lower prices, short sales, and distressed housing market to either buy a new home or invest. 

If you are looking at moving, Mary Umberger at Inman News has a great article on what to look for when checking out a new neighborhood.  You can read Mary’s article here.

Welcome

by admin

Welcome to my new web site.  I hope you visit back often because this site will change frequently along with the ever changing real estate market.  I will be adding listings, price changes, some real estate news, and some tools and tips to help you sell, buy, or even remodel your home.  Thanks for stopping by, and if you have any questions or there is anything I can help you with, please feel free to contact me.

Renee