WISHING ALL MY FRIENDS AND COLEAGUES A HAPPY NEW YEAR! Looking forward to a wonderful and prosperous 2011. - Taila Gillespie - Realtor - Coldwell Banker - ph. 619-888-2223
Here's a list of financial resolutions that can help almost anyone save more money, invest smarter and better prepare for life's unforeseen financial challenges.
Are you interested in seeing foreclosures in your area? Fannie Mae Foreclosures are approved for only 3% down ($284,900 sale price at 3% = $8,547 down payment) and other incentives are included below:
Fannie Mae HomePath® Mortgage Financing
The benefits include:
.Low down payment and flexible mortgage terms (fixed-rate, adjustable-rate, or interest-only)
.You may qualify even if your credit is less than perfect
.Available to both owner occupiers and investors
.Down payment (at least 3 percent) can be funded by your own savings; a gift; a grant; or a loan from a nonprofit organization, state or local government, or employer
.No mortgage insurance*
.No appraisal fees
.Also eligible for HomePath Renovation Mortgage (see details below)
.HomePath Mortgage financing is available from a variety of lenders - both local and national.
MONTHLY MORTGAGE PAYMENTS AS SMALL AS $800* (on low priced homes)
VISIT http://www.HOMEPATH.com to see more foreclosures by Fannie Mae. Then contact me to preview homes and make an offer using these incentives.
LOOKING FOR SHORT SALES? Send me the area you are interested in searching and I can send you a list of Short Sales in your price range. Im short Sale Certified by the National Association of Realtors.
Contact Taila Gillespie, Realtor, Coldwell Banker (p) 619-888-2223
It's a question many Americans want answered: Will the value of my home rise or fall next year? Smart minds fall in both camps -- here are both sides of the coin on real estate.
As 2010 winds down, many are saying good riddance. Technically it was the first full year since the end of the Great Recession. The economy actually grew, but so slowly many didn't feel the improvement. So, what does 2011 hold?
If you are ready to buy your first house, congratulations! This is an exciting time that can bring you sweet rewards. It's also a time, however, full of questions. Here are a few do's and don'ts to get you started.
Contact Taila Gillespie, Realtor, at 619-888-2223 to get a list of homes FREE, sent to your e-mail weekly. Many great deals out there, dont miss out on three and four bedroom homes in the $200k price range. OR e-mail me at taila.gillespie@gmail.com to get your free list today!
The Robbinses were seeking what is known as a short sale — when an owner sells a home for less than he or she owes the bank. But as more homeowners attempt to stave off foreclosure by striking such deals, lenders are denying or delaying many of these transactions even when it appears the sales would be in their best interest, according to real estate agents and housing advocates. Eventually, some of the properties are sold at auction for less than the lender would have recouped through a short sale, they say. That not only costs banks, but it further damages homeowners’ credit and depresses overall property values.
For More Information how you can sell your home as a Short Sale - Contact Taila Gillespie, Realtor, SFR, Short Sale and Foreclosure Certified. Call 619-888-2223
Naturally, if you’re paying 6% for your mortgage and you can refinance at 5%, you’re gonna do it. Although cutting your monthly payment remains an important motive, there are at least five other reasons to consider a mortgage refinance, for long-term savings and convenience.
In this day and age, when people consume more, recycling has become a must. It is not a "should" anymore. At the rate we use up our national resources, there may not be anything left for our children to enjoy. There are many ways to recycle and this article discusses a few tips on how to go about it.
With all the negative news about real estate today, many people have lost sight of a very important fact: It is a great time for homeowners to sell and move up to their next home! While this may sound counter-intuitive, a number of factors contribute to making this an opportune time to move up. First, there is [...]
Don't let the thought of selling your home during the winter months dampen your holiday spirit. Look on the bright side: Decked out in lights and garland, homes often look -- and show -- their best during the winter. That being said, it's important not to go overboard when staging for the holidays. Skip the life-size, inflatable Santa and go for decor that's neutral, understated and classic. Try these seven tips to get your buyers in the right spirit:
Mortgage rates are evidence that the Federal Reserve 'quantitative easing' plan is failing, say critics. The Fed bought $600 billion in Treasury bonds to exert downward pressure on interest rates and help spur the economy.
Yields in the U.S. Treasury bond market [US/] spiked on
Wednesday as investors worried the deal would inflate further
the ballooning U.S. deficit, pushing mortgage rates upward
just as the U.S. housing market was showing some signs of
recovery.
For most homeowners, the biggest environmental impact of a roof is simply that it keeps the environment out. But there are innovations that aim to make the roof over your head an important tool in the effort to save energy and reverse global warming. And we’re not just talking about solar panels. There are cool roofs that reflect, instead of absorb, the sun’s rays; roofs made with recycled material; and green or “living” roofs, like the one on the Harris-Jack house.
Living near a vacant home doesn’t have to mean putting up with overgrown grass and unshoveled snow. Does your community use these eight common local laws, programs, and regulations to force owners to maintain vacant homes?
Protecting your home from break-ins starts with a do-it-yourself home security check to indicate whether your windows are an open invitation to criminals.
When properly done, preapproval can speed up the purchase process by providing a rigorous assessment of the maximum amount a buyer can afford to borrow, based on a formal credit check and verification of income and assets.
But prevetting has become more difficult and confusing these days, for borrowers as well as lenders, as a result of lending rules that took effect in January.
U.S. homebuilders battered by the worst summer for home sales in a decade are already looking ahead to spring, saying they feel somewhat more optimistic about the prospect for an uptick in sales. What do you feel prices in homes will do in 2011? Increase or Decrease? Give me your thoughts..
Taila Gillespie - Realtor - 619.888.2223
After a two-week selloff, Treasuries started to make a comeback Tuesday as investors take in the latest inflation data.
Some Areas Are Seeing the First Signs of a Resurgence in High-End Home Loans
Banks are starting to make "jumbo" mortgages again.
When the credit crisis hit more than two years ago, many banks cut back or stopped making loans for more-expensive homes. Now, smaller and regional lenders are issuing more new jumbo loans and doing more refinancings—as are some big banks that never stopped making them. If the trend continues, it could help bolster home sales in some wealthier areas.
Water heaters eventually break, but repairing or replacing depends on age, condition, and budget.
Water heaters are non-issues UNTIL you get hit with that first icy shower or giant puddle in the basement. Then you have to think fast: Repair or replace?
Queen of Clean Linda Cobb offers ideas to straighten your house in a jiffy before guests arrive.
"If it's not dirty, don't clean it," says Queen of Clean Linda Cobb. That's the most important thing to keep in mind when it's time to spruce up before someone stops by. Here is Linda's ultimate guide to a quick cleanup.
GORGEOUS SARATOGA COMPLEX WITH DEL MAR RACE TRACK AND OCEAN VIEWS BEYOND! ! 3 Bd, 2 Ba. 1,625 sq ft. OPEN HOUSE TODAY 1-4. 355 Longden Lane, Solana Beach. Call for details... Visit www.DelMarBeachProperty.com to see all MLS Listings in Del Mar! Priced at $770,000
Employers boosted jobs at a faster pace in October than at any time in nearly half a year, but the unemployment rate remained stubbornly at 9.6 percent — further evidence of what the Federal Reserve has termed a "disappointingly slow" recovery.
Employers boosted jobs at a faster pace in October than at any time in nearly half a year, but the unemployment rate remained stubbornly at 9.6 percent — further evidence of what the Federal Reserve has termed a "disappointingly slow" recovery.
Google just released it's 2010 Google Creative Canvas book, showcasing some of the most unique and innovative ways that partner brands and companies are using their products. This year the Coldwell Banker YouTube channel, Coldwell Banker On Location was honored to be included.
Green energy can save you money over time, but solar panels and other options often require a huge upfront investment. You might choose to convert just to boost your green credentials. That can have its own value. But how long until that initial cost begins to translate to real savings – to that other kind of green?
California home sales posted their second consecutive monthly gain in September 2010, but were down from the same period a year ago, according to data from the California association of Realtors®
There will be a drumbeat of housing data this week leading up to the big announcement of third-quarter gross domestic product Friday. Visit www.delmarbeachproperty.com for the latest MLS listings in San Diego!
Nearly half of U.S. states reported drops in their unemployment rates last month, the best showing since June. But job creation was weak in most areas of the country.
