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Why Choose a Florida Mortgage Broker | Officer? | LA & OC Mortgage Programs

Why Choose a Florida Mortgage Broker | Officer? | LA & OC Mortgage Programs | Real Estate and Mortgages | Scoop.it
Why Choose a Florida Mortgage Broker | Officer? - Funds Available helps first time buyers for home loans and mortgages in Florida find great rates and programs.
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Consumer Spending Rises, and Home Sales Are Up

Consumer Spending Rises, and Home Sales Are Up | Real Estate and Mortgages | Scoop.it
An increase in signed contracts to buy homes could reflect an effort by potential buyers to complete deals before mortgage rates rise further.
Maya Swamy's insight:

Now is the time to buy before both interest rates and home prices rise further.

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Rescooped by Maya Swamy from Broker In Charge for A&Z Residential Properties Inc. & Wilkinson & Associates Real Estate Powered by ERA
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Buying a House? 3 Reasons to Do it Now!

Buying a House? 3 Reasons to Do it Now! | Real Estate and Mortgages | Scoop.it
Here are three great reasons to consider buying a home today instead of waiting.

Via Phillip Auguste
Maya Swamy's insight:

With interest lows still low and property prices now is the time if you are considering a home purchase.

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Real-Estate News: A Double Dose of Positive Housing News

Real-Estate News: A Double Dose of Positive Housing News | Real Estate and Mortgages | Scoop.it
Here is a look at real-estate news from Wednesday's WSJ, including the Property Report.

Via Mark A. Mellor
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New Home Sales Climb as Prices Retreat

New Home Sales Climb as Prices Retreat | Real Estate and Mortgages | Scoop.it
The price of a new single-family home dropped 3.2 percent in May, but sales increased 2.1 percent to 476,000, the highest level in almost five years, the Census Bureau and HUD reported Tuesday.

Via Mark A. Mellor
Maya Swamy's insight:

Home prices are moderating after the sudden and mostly unexpected rise in early spring.


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Financial Analyst Jobs | Robert Half Finance & Accounting

Financial Analyst Jobs | Robert Half Finance & Accounting | Real Estate and Mortgages | Scoop.it
Search our job listings and discover a variety of accounting and financial analyst jobs. At Robert Half, we connect you with the top companies in your area.
Maya Swamy's insight:

Harp 2.0  the special  mortgages for people who owe more than their home is worht has been extended to 2013.

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Economists say rising interest rates 'not bad' - StarNewsOnline.com

Economists say rising interest rates 'not bad' - StarNewsOnline.com | Real Estate and Mortgages | Scoop.it
Kennebec Journal Economists say rising interest rates 'not bad' StarNewsOnline.com Mortgage interest rates spiked this week to the highest level in two years, with the 30-year, fixed-rate loan shooting up to 4.46 percent from 3.93 percent a week...
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Loan applications decline as mortgage interest rates skyrocket | HousingWire

Loan applications decline as mortgage interest rates skyrocket | HousingWire | Real Estate and Mortgages | Scoop.it
Mortgage applications fell 3% last week as mortgage rates rose on fears of less Fed intervention in the mortgage-bond market.

Via Phillip Auguste
Maya Swamy's insight:

So you are thinking the interest rates are high now and you want to delay buying?  Yes indeed 4.5% is higher than 3.5%  but just before the economy slumped it was in the sixes and sevens and has at times been 9%, 12% and 15%. And thaqt is where we are heading as the Fed slowly starts buying bonds  So would your rather buy at 4.5% or seven nince and 12%





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Phillip Auguste's curator insight, June 26, 2013 9:33 AM

Interest rates are increasing this is the time to make a move if your able to purchase a home now. It will cost you more later.

Rescooped by Maya Swamy from Broker In Charge for A&Z Residential Properties Inc. & Wilkinson & Associates Real Estate Powered by ERA
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House Sale Price: List It Right from the Beginning

House Sale Price: List It Right from the Beginning | Real Estate and Mortgages | Scoop.it
With house prices increasing across the country, sellers may think they can list their homes at a higher price and adjust if necessary. That may not be a good strategy.

Via Phillip Auguste
Maya Swamy's insight:

Pricing your house right from the start results in a quicker sale while the home is still fresh on the market. The longer the home has sat on the market the longer it will sit on the market. This article gives many reason s as to why.

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Phillip Auguste's curator insight, June 26, 2013 10:59 AM

Great article to discuss with sellers of the importance on pricing their home right from the begining.

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10 Ways Birmingham Sellers Can Turn Off a Would-Be Homebuyer

10 Ways Birmingham Sellers Can Turn Off a Would-Be Homebuyer | Real Estate and Mortgages | Scoop.it
What a difference a couple of years makes. Back in 2007, homebuyers would beg to purchase your house. They would even bid more than the asking price for the privilege to do so.

Via Tom Horn-Real Estate Appraiser
Maya Swamy's insight:

This applies to all sellers everywhere. Yes even now in the gradually recovering real estate market it is possible to turn off buyers so they go on to the next house on the list.

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Tom Horn-Real Estate Appraiser's curator insight, June 18, 2013 9:13 PM

Pay attention sellers: If you don't want to turn off buyers you must read this!

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Indians among top five countries buying properties in the US

Indians among top five countries buying properties in the US | Real Estate and Mortgages | Scoop.it
Financial express latest business and finance news: Indians among top five countries buying properties in the US

Via MacDonald Sarin
Maya Swamy's insight:

Indians like Mexicans and Chinese have a strong emotional need to own their home.  It feeds their sense of security and well being.  This cultural bias also means they buy a solid home rather than a home which has today's fancy frills.

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MacDonald Sarin's curator insight, June 26, 2013 1:22 PM

Indians are among the top five foreign nationals buying real estate in United States, even as there has been a decline in foreigners acquiring properties in the US, a report has said.

 

According to the "2013 Profile of International Home Buying Activity" for the 12 months period ending March 2013, realtors reported purchases from 68 countries, but five have historically accounted for the bulk of purchases; Canada (23 per cent), China (12 per cent), Mexico (8 per cent), India (5 per cent) and the United Kingdom (5 per cent).

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NAR Pending Home Sales Index Jumps in May

NAR Pending Home Sales Index Jumps in May | Real Estate and Mortgages | Scoop.it
The National Association of Realtors reported Thursday its Pending Home Sales Index (PHSI) climbed to 112.3 in May, its highest level since the end of 2006.

Via Mark A. Mellor
Maya Swamy's insight:

A pending sale is one in which the house is under contract and it is just a a matter of time before the home is sold. So when the number of pending sales is up it means sales are up.  This could be a good indication to buyers that now is the time to buy.

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How To Choose A Home Based On Your Credit Score

How To Choose A Home Based On Your Credit Score | Real Estate and Mortgages | Scoop.it
Your credit score goes a long way toward determining what type of mortgage that you can expect to get. In general, those with good credit scores are going to get fixed rate loans with interest rates at the lower end of the rate spectrum.

Via Sundaybell
Maya Swamy's insight:

Your credit score is the critical factor in determining what rates and what kind of mortgage you can get.  If you are planning to buy a home in the next couple of years now is the time to work on your credit. Key for the near future is to make all payments on time. Do not buy a fancy car.  And do not incur new debts.  Every dollar you pay on that fancy car is a dollar less you can pay on your mortgage. Every estra dollar you borrow is taken as a sign that are unable to pay current bills.


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Sundaybell's curator insight, June 28, 2013 12:07 PM

Credit scores...see what the banks are looking for.

Rescooped by Maya Swamy from Real Estate and Building Real Estate Relationships
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5 Summer DIY Projects Your Home Can't Do Without

5 Summer DIY Projects Your Home Can't Do Without | Real Estate and Mortgages | Scoop.it
As the summer heat rolls in, you want to keep your home as cool and comfortable as possible. Fortunately, you don't have to call in the professionals and spend big bucks to do so.

Via Sundaybell
Maya Swamy's insight:

Before you spend the big bucks spend the small ones presented here to make your home more attractive.

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Sundaybell's curator insight, July 2, 2013 1:07 PM

Freezies and iced-T can help, but you may want to consider these quick DIY tips to stay cool at home this summer.

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Recent California Law Turns Tables on Mortgage Lenders | JD Supra

California’s groundbreaking Homeowner Bill of Rights took effect just six months ago, and the courts are already rescuing homeowners from situations that would have been hopeless in...

Via Mark A. Mellor
Maya Swamy's insight:

With many home owners till under water and suffering from the resuts of the recession California's new Homeowner Bill of Rights offers an extra level of protection. It was a commong practice for lenders to begin foreclosure proceedings while negoiating a loan modication or shortsale  In California at least they can no longer do so. If you find yourself in this situation contact an attorney right away and have them go to court and get an injunction to immediately freeze the foreclosure process.

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Five Ways To Improve Your Yard This Summer

Five Ways To Improve Your Yard This Summer | Real Estate and Mortgages | Scoop.it
Having a beautiful yard that is well-kept and tidy enhances the home dramatically for an attractive house in the neighborhood. Even with the heat in the summer, it's still possible to improve your yard in a few simple, affordable ways.

Via Sundaybell
Maya Swamy's insight:

Your yard is your welcome mat. An attractive yard automatically puts people in a poasitivve frame of mind about your home.



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Sundaybell's curator insight, June 12, 2013 4:11 PM

Yard tips.  Clean and green...

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A Skyscraper Carved by the Sun's Rays | Wired Design | Wired.com

A Skyscraper Carved by the Sun's Rays | Wired Design | Wired.com | Real Estate and Mortgages | Scoop.it
Developed in-house, the technique of "solar carving" uses incident angles of the sun's rays to inform building design.

Via MacDonald Sarin
Maya Swamy's insight:

Just a personal comment - I like the design - very creative and the thinking behind it.

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MacDonald Sarin's curator insight, June 21, 2013 2:59 PM

Chicago-based firm Studio Gang recently unveiled their own plans for a new residential construction that not only offers its occupants generous light exposure, but also extends the benefit to the surrounding area. At the corner of 14th Street and 10th Avenue, the firm’s “Solar Carve Tower” will sit directly between the Hudson River and the High Line, one of New York City’s most prominent public green spaces. Rather than impede the sun’s path–and ruin the High Line’s mojo–the structure’s glassy, gem-like facade features a unique, sculpted form that reflects light down onto the park, bathing visitors in that vitamin D goodness.

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5 Ways To Keep Moving Easy And Simple

5 Ways To Keep Moving Easy And Simple | Real Estate and Mortgages | Scoop.it
Most people would not put moving from one house to another at the top of their list of fun things to do. However, moving is an adventure that almost everyone will experience one or more times in their life.

Via Sundaybell
Maya Swamy's insight:

Just a few tips to make moving day easier.

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Sundaybell's curator insight, June 17, 2013 10:26 AM

Point 5: a first day box.  Interesting concept that simply makes sense.

Lori Hartjoy's curator insight, June 18, 2013 10:36 AM

Have you ever used a 1st day box or bag to help you in your move? I have and it is a GREAT way to get things going in the right direction. Make sure you pack necessities like TP, handwash or sanitizer and deoderant. Happy Moving Day!

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Did You Miss Your Chance to Grab a Cheap Mortgage? - Motley Fool

Did You Miss Your Chance to Grab a Cheap Mortgage? - Motley Fool | Real Estate and Mortgages | Scoop.it
Did You Miss Your Chance to Grab a Cheap Mortgage?
Motley Fool
Over the seven days running from June 20 to June 27, mortgage analysts at Freddie Mac clocked 30-year mortgages running up 53 basis points, from 3.93% to 4.46%.
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Rising mortgage rates challenging home buyers - 77Square.com

Rising mortgage rates challenging home buyers - 77Square.com | Real Estate and Mortgages | Scoop.it
Rising mortgage rates challenging home buyers 77Square.com John and Linda Scalissi, pictured at home Friday, are trying to sell their house in Fitchburg so they can buy a move-up home, but higher interest rates are threatening to frustrate both of...
Maya Swamy's insight:

While mortgage rates are higher they are still very low in a historical context. Just a few years ago we were talking 6 to 7% loans for purchases.

For buyers it is still a good time to buy.  Sellers however will have to accept that recent rapid increase in prices is likely to moderate.

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Five Ways to Create Some Personalized Curb Appeal

Five Ways to Create Some Personalized Curb Appeal | Real Estate and Mortgages | Scoop.it
Your home’s exterior offers visitors their first impression. This should represent your own unique style and charm.

Via Sundaybell
Maya Swamy's insight:

Before they see your stainless steel kitcher would be buyers see your mailbox, the dirveway, the front door and the yard. Many a buyer stops by the sidewalk for a second and then drives by. This article suggest some simple ways to invite buyers to come inside.

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Sundaybell's curator insight, June 25, 2013 11:47 AM

Add a little flare to your home and set the stage for first impressions.

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Do you Really Need Home-Owners Insurance in the Existing Market?

Do you Really Need Home-Owners Insurance in the Existing Market? | Real Estate and Mortgages | Scoop.it
As the U.S. property market continues to enjoy a tentative recovery, a growing number of citizens are looking to take the plunge into home ownership.

Via Sundaybell
Maya Swamy's insight:

Where is most of your money tied up?  In your home. Where does your future security come from? Your home. If your neighbor sets his home on fire and yours catches fire from it what will you do? If a freak flood destroys the ground floor - how will you fix it?  That is why you need home insurance and that is why your mortgage lender demands it.

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Hispanic Housing Market: Study Addresses Discrimination

Hispanic Housing Market: Study Addresses Discrimination | Real Estate and Mortgages | Scoop.it
If you want to work with the Hispanic community, the first thing you have to do is understand their fears concerning the real estate process and why they have those fears. A study just released by the U.S.

Via Phillip Auguste
Maya Swamy's insight:

The fears addressed apply not just to Hispanics but to all significant minorities.  It behooves professionals to address these concerns and alleviate and not excarberate them.

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Phillip Auguste's curator insight, June 27, 2013 9:27 AM

In 2013 or any other time discrimination of any kind is unexceptable whether to Hispanics or any other groups. We've been living in a society that everyone knows that this goes on but nothing happens to change it. 

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Housing Bubble? We Don’t Think So [INFOGRAPHIC]

Housing Bubble? We Don’t Think So [INFOGRAPHIC] | Real Estate and Mortgages | Scoop.it
InfoGraphic Tweet

Via Phillip Auguste
Maya Swamy's insight:

As this infographic shows we are not at the point of being in a housing bubble. A housing bubble occurs usually when the number of homes for sale exceed the number of people who can afford to buy.  When less than 30% of the population can afford a home - there is a bubble.  We are not there yet.

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Phillip Auguste's curator insight, June 29, 2013 8:23 AM

Interesting article that contradicts a lot of the previous articles about the worry of a housing bubble.

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Good News for Baton Rouge Real Estate June 2013! Baton Rouge Added To List of Improving Housing Markets Rises to 263 Metros in June 2013

Good News for Baton Rouge Real Estate June 2013!  Baton Rouge Added To List of Improving Housing Markets Rises to 263 Metros in June 2013 | Real Estate and Mortgages | Scoop.it
The number of U.S. housing markets on the mend rose by five to a total of 263 in June, according to the National Association of Home Builders/First American Improving Markets Index (IMI), released last week.

Via Baton Rouge Real Estate News
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Baton Rouge Real Estate News's curator insight, June 14, 2013 8:08 AM

Good News for Baton Rouge Real Estate June 2013!  
Baton Rouge was added to the list of new entrants of improving housing markets according to the National Association of Home Builders/First American Improving Markets Index (IMI), released last week. The list includes entrants from 49 states and the District of Columbia.