Real Estate

On August 7th, the report on the July’s unemployment rate dropped for the first time in 15 months…news mention it is a sign of recovery. What do you think?

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http://www.bedfordnhvirtualhomes.com — Tour Bedford, NH neighborhoods, condominium developments, subdivisions, schools, landmarks, recreational areas, and town offices.

Bedford, New Hampshire, formerly a quiet farming town, has evolved into an affluent bedroom community for those commuting to nearby Manchester and other cities; notably, Nashua, Boston and even Concord. With an 80/20 residential-to-business ratio, Bedford’s real estate profile doesn’t automatically evoke a booming business town. However, commerce in Bedford is growing. Popular establishments include the Bedford Village Inn and Restaurant, one of the top Bed and Breakfasts in New Hampshire, and C.R. Sparks, one of the area’s finest restaurants.

Incorporated in 1750, Bedford was named for Lord John Russell, 4th Duke of Bedford, a close friend to colonial Governor John Wentworth. While it remained a quiet rural town for most of the next two centuries, Bedford enjoyed a population boom after World War II, when the expansion of highways and other transportation routes brought a massive influx of new residents throughout southern New Hampshire.

Conveniently located near Boston, the seacoast, the White Mountains and the Lakes Region, Bedford offers excellent schools, a thriving local business climate, and bountiful opportunities for recreation, sightseeing and leisure. Business activity in Bedford is focused along Route 3, otherwise known as “the performance zone.” Premium office parks and shopping centers such as the Bedford Mall along with Macy’s department store, the Wayfarer Inn and the Manchester Country Club line this road, which runs south from Manchester into Merrimack and Nashua. Bedford’s other commercial clusters are along Route 101, which extends westward.

With recent expansions to its first-rate school system now taking effect, Bedford has turned its focus toward town recreational facilities, including a 70-acre park with several ball fields, ski trails, fishing and ice skating. The scenic town center offers an array of lovingly preserved historic buildings, including Schoolhouse #7, the Bedford Presbyterian Church, and the town hall. The Kendall Shop Museum and Carriage House offers a variety of exhibits highlighting the community’s illustrious past. Other attractions near Bedford include Manchester’s Palace Theatre, the Verizon Wireless Arena, the Currier Museum of Art, Pat’s Peak Ski Area, the Manchester Historic Association Millyard Museum, Christa McAuliffe Planetarium and the SEE Science Center.

For other town tours visit http://www.virtualhomes.com . For towns in NH visit http://www.nh-virtualhomes.com . For NH relocation information go to http://www.nhrelocation.com .

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Large & Loving it! There’s room for everyone in this almost-new 5-bedroom/3.5-bath home on.34 acres in Northwest Las Vegas. Features include a captivating dining room, impressive family room, magnificent living room with gas fireplace for ambiance, master suite with walk-in closet, separate shower, dual sinks, his-and-her closets, first-floor laundry, first-rate kitchen with work island, new microwave, new garbage disposal, gas range, granite countertops, new sink, double ovens, Italian tile floors, custom cabinets, dishwasher, new paint, new carpet, balcony, a fully fenced back yard, and 3-car garage. Call Toll Free: 888-814-6842 or Log on to www.theballengroup.com

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CALIFORNIA FORECLOSURE REAL ESTATE MARKET CONDITIONS

First thing first – we need to get ride of the HVCC. If you’re in the real estate game you know – this is a problem. Do something about it and sign the petition – Help get rid of HVCC at: http://www.HVCCPetition.com .

A quick video on what’s been going on with the market. I’m a firm believer on looking at numbers and ALOT of numbers. If you can read the charts – you can block out the noise from the media and make an educated guesstimate on which way the market may go.

With the backlash of Senate Bill 1137 we saw another record fillings of NOD’s in California. In my previous video (http://www.youtube.com/watch?v=2ZP8Vuf2wUk) I made in Jan. I spoke about what may happen. I stated we may see a huge drop in price in May, June, July… or something to that tune.

Well… we just saw another moratorium pass – I am behind the 8 ball on this… I just finished the first 3 pages only… you can read the actual draft here…

http://www.corp.ca.gov/OLP/pdf/rm/ForeclosurePreventionDraftRegs.pdf

With record NOD fillings and high unemployment rate – can the market soak up all of the inventory that is about to hit the market? Only time will tell…

One last thing…

A pending Senate Bill 94 will kill the loan modification companies… I’ll post a video on my take later on this week.

Jeff Coga
The Short Sale Samurai

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I pay-for-click with yahoo, as if that is not enough, yahoo is using my domain search to advertise its websites, and aloud others to do so as well.

Proof of keyword search, "aapexmrtg" and result is listed bellow.

Yahoo! Answers – what is a REVERSE MORTGAGE and how does it work?
… Aapex Mortgage – No money down… www.aapexmrtg.com …answers.yahoo.com/question/?qid=1006060124154 – 32k – Cached – More from this site – Save

Find Today’s Rates on Mortgages, Refinance Loans, Home Equity Loans, and Mortgage Calculators on Yahoo! Real Estate
… No money down and 100% financing for first and second homes. www.aapexmrtg.com. Mortgage Loans Information Center …realestate.yahoo.com/loans/?sc=va&full=Virginia – 28k – Cached – More from this site – Save

Yahoo! Answers – is rajarhat in calcutta a good place to invest in property ?
… Aapex Mortgage – No money down… www.aapexmrtg.com …answers.yahoo.com/question/?qid=1006050601108 – 28k – Cached – More from this site -

What a bunch of crap. Anyone giving Overture/Yahoo pay per clikc money is throwing it out the window. It is so out of control over there. My account is offline since I learned of these kinds of practices. I am MAD and I am feeling ripped off.

If I buy a product I expect to know what I am getting. If you are not careful with Overture/Yahoo you get promoted in these ways. I recommend you go back to a system of exact matching and NEVER let Yahoo! blanket match or content match for you, it’s insane!

To go a step further, Yahoo! has forsaken its roots as a search engine. I love their software but their core was search engine. I have many entries in the directory, it used to be this was a good thing. They cost me 300/yr. Noe for this about one would expect some value in the search results of their web results especially when their web results have no good answers. You value as a URL in their directory buys you NOTHING. It is completely outragious because it used to hailed as the best hand editied reference and now is blown away with web results in its place that are often POOR results.

If you’re listening NEO (YAHOO!) your network is crashing and you need to stop bleeding the pay-per-click world for you mistakes. Go back to your roots, learn from your mistakes. Oh yeah, continue to make the software, I like the messenger but not the widget engine.

I better get best response for this!

First Time Home Buyers use FHA Mortgage and Seller Paid Closing Costs to Buy Real Estate Now. Best Market Conditions for Foreclosures and Short Sales in Decades. Go To http://RealEstateMarketingThisWeek.com

Part 1 (Excerpt)

Seller paid closing costs the best deal going

Today were going to be talking about mortgage strategies, buying real estate, all the different things that you need to know from here on out through 2009, lots and lots of opportunities. We brought back once again one of the best financial planners in the entire country Mr. Brett Fallon.

We also have in the studio today a very good friend of mine Mr. Dan Havey. Dan has been in the real estate and mortgage industry for over 20 years, in fact he got me into the industry, he was instrumental, in fact the major hand behind putting together of the loan modification hotline.

Velocity Financial is a financial services firm, were primarily focused on doing mortgages for residential purchasing and refinances. One of the things that we have seen is that the purchasing market has picked up quite a bit and looks in my eyes like we very well may have hit the bottom on prices.

You can buy a 3000 square foot house for $150,000 these days, and one thing that we’ve recently found is most of the sellers are willing to pay closing costs on behalf of the buyer. Its a known fact that it’s a cold sellers market and sellers are happy to have an offer, whether it be a low offer or not.

Now I have a couple examples I want to share, it’s important to point out that I am not a realtor, I dont want to be a realtor, those people that take the time to get a license to be realtors they know what they’re doing and they do it very well, however you being the person that is going to buy a home, you need to protect every penny that you can. The example I have written down, and Brett feel free to chime in at any time if I should happen to miss something here.

I’ve put together a scenario of purchasing a $300,000 house, now if you buy a $300,000 house and you have to put 3% down as in my example that works out to be about $9000. Let’s just say that the closing costs associated with purchasing that house plus the prepaid interest, setting up an escrow account, paying a year’s worth of homeowners insurance, there is also property taxes that must be paid, home owners dues, all these different things, those can add up. They don’t need to be 3% they can be less, they can be more. This example is just making it simple so that you can understand it.

If you buy a house for $300,000 you put 3% down and 3% for closing costs, your out-of-pocket for this example is going to be about $17,500. Now if you were going to buy that home and have all of that prepaid escrow and closing costs deferred to the seller and actually paid $309,000 so that you actually roll the closing costs into the cost of the home, and only came out-of-pocket 3% you would be out-of-pocket about $8900. So the savings there is $9000. Your mortgage payment will go up, however with a payback of about 160 months. So in other words if you take the money out of your account today youre going to lose that and have a lower payment…

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I have put a property up on for sale since 2006, I had been to Delhi then so I gave the job of selling it too two of my family real estate agents who said they’ll dispose the land but they didnt. I returned in 2007 & realized they are hopeless so gave it some other agents who in the first said they’ll dispose at the earliest at the price I have asked but later said Rs.500 per sq.ft on the price I have quoted & this story has been going on from then to now. All agents say that my price I have quoted is right & say they have clients ready to buy immediately but when I follow up on what is the progress going on they say the price is high & depress the price by a mere 500 per sq.ft. Infact 2months back I gave my plot to an very senior agent who has been in this field for quite some time & he is also old in age so I thought he would have clients to sell. He infact told me that I have clients & the rate I have asked is not at all high & the price I want is easily achievable. I have been depending on him for more than 2months & my financial conditions are deteriorating. He told me he would make the sale soon by he hasn’t done it & when I called him a few days back, he reduces the price asusual by Rs.500 per sq.ft. I need some good real estate agents. I would not prefer big agents or companies like Hanureddy Realty, Lords Realestate, Silverline Realty & what not as I already have their nos. & will contact them soon. I need some individuals who are good in dealing in areas like Uttarahalli, Kengeri as I have my property located there & also I have an other property located at Devanahalli so would also like some agents in the nearby areas. I would like to know nos. of your family real estate agents (if you have any, that is) or any good agents you have contacted. Either ways just need some agents, So help!
BTW, I have seen all sites like India Property, Sulekha, 99 Acres, Makaan, Magic Bricks & what not. So please dont give any copy paste stuff as I would have called before.

Try to find it in yellow pages under real estate agents heading.

http://www.beverlymarealestate.com — Tour Beverly, MA neighborhoods, condominium developments, subdivisions, schools, landmarks, recreational areas, and town offices.
Beverly, Massachusetts is one of the oldest communities in the state. Residents describe their city as the birthplace of the United States Navy, noting that the first ship commissioned by the Navy sailed from Beverly Harbor. Although the city was the location of the first cotton mill and the first Sunday school in the country, and has one of its neighborhoods, the Fish Flake District, on the National Register of Historic sites, it is the present and future rather than the past which engross the energies of the community.

Beverly is 85% residential and emphasizes its academic and cultural facilities more than the industrial parks that house mixed computer and other high technology firms. The city is the home of private Endicott College and a campus of the public North Shore Community College as well as the site of the North Shore Music Theatre which brings in hordes of visitors to glittering Broadway-type productions. Beverly is home to a highly respected hospital, new library, new senior center, municipal airport, and numerous commuter stops for public transportation.

The commitment of Beverly residents to the development of its children may be the most defining cultural aspect of this community. This is reflected in the public school system, as well as through the variety of recreational, athletic, social and cultural opportunities provided to children. Residents note the first-rate hospital, the miles of beautiful beach, and the diverse sections of the community that offer everything from rural to urban lifestyles in saying that the city offers everything that anyone could want in a home town. For other town tours visit http://www.virtualhomes.com . For towns in MA visit http://www.ma-virtualhomes.com . For MA relocation information go to http://www.relocationma.com . For a MA MLS map search visit http://www.virtualhomesmls.com .

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I am singing on a land contract tuesday (11/7/06). My realestate agent said I should not reqest the deed be put in escrow because the taxes will double. He said instead we should only registar it with the township and keep it in a lock box and if any thing should happen to the sellers before we re-fi we would need to persent it to the registars office to prove we have invested in the property. Is this right and will it protect us? The home is an estate owned by an older brother and sister. I am afraid if they should pass before we finace the house threw a bank could their childeren try to claim the propety if the deed is not in escrow? We are going with a land contract because they offered us a much better interest rate then the bank (4% opposed to 8.7%). Any advice would be appreciated.

Whoa! Something ain’t right here. Put a deed in escrow? Does that mean the estate holds the deed until the heirs pass? Bad idea…..once the owners pass on, you could have other ‘heirs’ come out of the woodwork and try to lay claim to the property.

You need to
a. record the deed (forget about the taxes doubling. You stand to lose a lot more if you don’t) and;
b. record the mortgage.

You need to have a lawyer write this up for you. It shouldn’t be that expensive and he can make sure your investment is protected.

If the paperwork is not done correctly now, you may not get a bank to even look at it when the time comes for you to refinance.

http://www.northsmithfieldri.virtualhomes.com — Tour North Smithfield, RI neighborhoods, condominium developments, subdivisions, schools, landmarks, recreational areas, and town offices.

North Smithfield, Rhode Island is located at the northern border of the state and has been called the gateway to northern Rhode Island. Conveniently situated along Route 146 between Providence and Worcester, North Smithfield is a great place to live, work and play.

Incorporated in 1871, the town was first called Slater after English industrialist John Slater. The name was changed to North Smithfield just sixteen days later. Most early settlers were farmers, but the town’s proximity to water fostered significant industrial growth, as mills were established along the waterfront.

North Smithfield still contains several working farms, including Wright’s Dairy Farm, the Goodwin Farm, Homestead Gardens, and Christiansen’s Orchard. The “Olde Allen Farm” is home to Hi-On-a-Hill Herb Farm, the only certified organic vegetable farm in Northern Rhode Island. North Smithfield’s farms sell locally grown products to a clientele drawn from the region. Additionally, Brookside Equestrian Center and Phoenix Rising Horse Farm help to make North Smithfield a first rate location for equestrian training.

North Smithfield is ready as we enter the 21st century to accept the ever evolving demands of the new global marketplace. Municipal government, community leaders, business people, and residents are eager to expand existing businesses while providing opportunities for growth. For other town tours visit http://www.virtualhomes.com . For towns in RI visit http://www.ri-virtualhomes.com . For RI relocation information go to http://www.relocationri.com .

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