Information, Insight, Advice.

Heading To Foreclosure?

If you are someone who is headed towards foreclosure and think that is your only option, STOP, take a deep breath. And read on.

1. Talk with your lender. Most lenders DO NOT want to foreclose on your home! In fact, because it is such a hassle and an expense, they would rather avoid it all together.

 

2. Call me to talk over your options. I would be more than willing to help you devise a plan that could help save your home, or at the very least, your equity.

 

3. There are agencies that may be able to help you get caught up. But beware! Make sure this is a licensed, reputable agency! Not just someone who has contacted you or knocked on your door. The U.S. Department of Housing and Urban Development maintains a list of HUD-approved counseling agencies.

 

4. Don't rule out the possibility of refinancing. I can refer you to a reputable mortgage loan officer to discuss the possibility of refinancing your current mortgage to a more affordable program.

 

5. Has your cost-of-living changed drastically? If you've experienced things such as unexpected medical costs, a loss of job, or decrease in wages, you may be able to qualify for a special forbearance. This is a new payment structure that will allow you to repay the lender within a certain time period.

 

Above all else, do not trust ANYONE who asks you to handle over your title, or promises you something for nothing. If it sounds too good to be true - IT IS. The last person you should deal with is some stranger who approaches you with an easy fix. Someone you don't know could take your title, your equity, and never be heard from again.

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5 Feng Shui Concepts to Help a Home Sell

To put the best face on a listing and appeal to buyers who follow feng shui principles, keep these tips in mind.

1. Pay special attention to the front door, which is considered the “mouth of chi” (chi is the “life force” of all things) and one of the most powerful aspects of the entire property. Abundance, blessings, opportunities, and good fortune enter through the front door. It’s also the first impression buyers have of how well the sellers have taken care of the rest of the property. Make sure the area around the front door is swept clean, free of cobwebs and clutter. Make sure all lighting is straight and properly hung. Better yet, light the path leading up to the front door to create an inviting atmosphere.

2. Chi energy can be flushed away wherever there are drains in the home. To keep the good forces of a home in, always keep the toilet seats down and close the doors to bathrooms.

3. The master bed should be in a place of honor, power, and protection, which is farthest from and facing toward the entryway of the room. It’s even better if you can place the bed diagonally in the farthest corner. Paint the room in colors that promote serenity, relaxation, and romance, such as soft tones of green, blue, and lavender.

4. The dining room symbolizes the energy and power of family togetherness. Make sure the table is clear and uncluttered during showings. Use an attractive tablecloth to enhance the look of the table while also softening sharp corners.

5. The windows are considered to be the eyes of the home. Getting the windows professionally cleaned will make the home sparkle and ensure that the view will be optimally displayed.

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The Real Estate Market in 2013

The Real Estate Market in 2013

With the bleak past and signs of recovery in the present, the future of the real estate market is definitely promising. Fortunately, 2013 will probably be a year of continually rising home prices as the country continues to make strides toward recovery.

It is probably safe to say at this point that the real estate market has reached “the bottom” and is now on its way up. Throughout 2013 home prices will continue to rise as local economies strengthen and hopefully the unemployment rate will start to decline.

With home prices increasing and real estate market recovery being underway, we can expect to see more people buying and selling homes and an increase in overall real estate market confidence.

Although the last few years have been rocky – to say the least – we have definitely turned the curve and are well on our way to real estate market progress. Today we are seeing very positive signs of growth and throughout 2013 home prices will continue to rise as we move forward with real estate market progress toward recovery.

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