Owner: Souderton Homes URL:http://www.soudertonhomes.com Join Date: Tue, 19 Feb 2008 21:19:28 -0600 Rating:0 Site Description: We are full-service brokers / Realtors specializing in first-time home buyers / sellers. We educate our clients and pride ourselves on small town attention.
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YOU MUST CALL NOW 2008-03-05 10:55:00 IF YOU, OR ANYONE YOU KNOW HAVE AN ADJUSTABLE AND/OR A SUB-PRIME MORTGAGE, OR IF YOU DON'T KNOW WHAT TYPE OF MORTGAGE YOU DO HAVE, YOU COULD BE IN FOR A BIG MORTGAGE PAYMENT INCREASE! WE WILL EVALUATE YOUR CURRENT MORTGAGE SITUATION AND QUALIFY YOU FOR THE GOVERNMENT HELP PROGRAM FOR FREE. WE CAN'T HELP IF YOU DON'T CONTACT US. CALL AT 215-721-6300 OR E-MAIL ME AT john@jbrealtyservice.com
NEW CONSTRUCTION...GOOD DEALS ?? 2008-02-25 07:52:00 I was listening to a real estate radio show and heard the host proceed to advise new construction as a very good deal. I agree with this particular host 90% of the time so I was waiting for the qualifier. . . it did not come. I had to write about this topic, new construction being an option for buyers looking for the "good deal".It is true that with the building industry having inventory that is "sitting around" you are in the position of power as the buyer. Let's talk about this. If the development is over built and the builder is dropping prices, this means the values are dropping for those that purchased previously, when they thought it was the best time to buy the "good deal". So what to do? You need to ask more questions. How many units will be constructed? Are there more phas
LET'S TALK INTERNET INFO SITES 2008-02-18 16:08:00 AH YES, THE INTERNET..what a wonderful tool. Remember, it's just that, a tool. Just like building a house requires more than a couple of tools, so does finding a house. Internet sites have to speak to many people at one time so they can not get very specific. Most information is offered in limited supplies to the public for various reasons. It needs to be presented in the context of your particular situation. An example would be the appraisal. This is a difficult and important part of a real estate transaction in order to acquire a value of the property for financing the loan and yet there are Internet sites that offer the public "values" just by entering an address. You may be able to get an approximate value by looking at the recent sales, this would work well in a town house developm
LETS TALK ABOUT FHA FINANCING 2008-02-18 04:23:00 Just simply, more often than not, the best first time buyer program anywhere....FHA(federal housing administration)...FHA loans are backed by the federal government.since the fed is involved they get to have some say on the standards the lender can use to approve a loan.In many cases buyers will be approved for financing thru an FHA loan that would not qualify for conventional loans.the FHA LOANS ARE TYPICALLY MORE FORGIVING..suce as the credit score is not so strict..you typically need less down payment..some of the buyers funds needed for the purchase can come from a gift..the seller can contribute up to 6% towards the buyers closing cost..the buyer may have just started a new job..YOU CAN HAVE OWNED A HOME BEFORE..in most cases you are condidered a first time buyer if you have not purch
LETS TALK FORCLOSURE 2008-02-11 10:59:00 **Well where to start. Unless you have been on a secluded island for the last year or so, I'm sure you are aware of some of these terms. Subprime, ARMS (adjustable rate mortgages), bad credit score loans, no income verification loans... you get the idea. If you or anyone you know suspects or is not sure they have one of these types of loans.call 215-721-6300 or contact us at john@jbrealtyservice.com We will evaluate the loan for FREE and advise you of the best course of action.If you already have been issued papers from your mortgage company.. YOU MUST ANSWER THEM ASAP ..contact an attorney or contact us NOW. This is where the term SHORT SALE applies. A short sale is when we work with your lender to allow us to sell your house for less than what you owe. How this helps you is we save you f
LETS TALK ABOUT PAYING OFF DEBT 2008-02-10 09:58:00 **While paying off debt in it self is a good thing, more important is how and when you eliminate your debt. The object should be to make the payments in a way that it has the MOST positive impact on your credit. The objective being to raise the credit score which in turn will impact the types of mortgages that are available to you. In some cases this may afford a better interest rate.In other cases it could make the difference between getting a mortgage or not. At JB REALTY SERVICE we take the time to review your credit report well in advance of the client actually finding a property. We also work directly with the lender to insure not just the best rate but also the best type of loan for each situation.visit or call us at 215-721-6300 ..As each clients situation is unique we offer a priv
MORE DETAILS THIS WEEK 2008-02-08 11:04:00 * REALTORS DONT WANT YOU TO GO TO NEW CONSTRUTION SITES WITHOUT THEM BECAUSE THEY WONT GET PAID* I CAN GET THE SAME INFO ABOUT HOUSES A REALTOR CAN BY GOING ON THE WEB* PAYING OFF ALL MY DEBT IS THE BEST THING TO DO BEFORE I TALK WITH A REALTOR OR MORTGAGE LENDER TO SEE IF I CAN GET A LOAN TO BUY A HOUSE* IF MY HOUSE IS AREADY IN FORCLOSURE ITS TOO LATE FOR A REALTOR TO HELP* THE SPRING MARKET STARTS IN APRIL AND THIS IS THE BEST TIME TO BUY OR SELL A HOUSE* I OWNED A HOME BEFORE SO I AM NOT A FIRST TIME BUYER* FHA LOANS HAVE HIGHER INTEREST RATES AND ARE NOT GOOD FOR BUYERS* FHA AND VA MAKES SELLERS FIX THEIR HOMES AND IS BAD FOR SELLERS* WHEN I HEAR ON TV THE "FED LOWERS INTEREST RATES"THIS MEANS MORTGAGE RATES GO DOWN* I CAN DO WHAT A REALTOR CAN DO WITH THE HELP OF AN ATTORNEYFor more
REALTOR Reputation 2008-02-07 20:32:00 Pennsylvanians say they choose a REALTOR® based on reputation and 86 percent of those homebuyers purchased their home through a REALTOR®, according to a new NAR survey. The 2007 Profile of Homebuyers and Sellers Pennsylvania Report describes the critical role that real estate professionals play in the real estate market and provides insight into the needs and expectations of clients. You can access the report on the PAR web site at: learn more about our own real estate services, visit: Read more:Reputation
PREPARE FOR THE WORST 2008-03-07 09:35:00 Investors and home owners are in for some rocky times they may not be aware of. The tax cuts are set to end in 2010. One of the changes that interest me is "The Capitol Gaines Tax". The old tax, which it is set to revert back to, as I remember was 28% federal when adding your state tax a total of 30% and higher. How many of you bought a second home or investment property over the last 7 years or so. HOW MANY OF YOU ARE THINKING OF SELLING? You may want to think about selling before the tax resets. How about home owners thinking of retirement or moving out of the area. Currently if you have lived in your property as a primary residence for 2 out of the last 5 years,have not sold another primary residence and the sale is less than $500,000 for a married couple you probably will pay no tax. T
NEW FHA LOAN LIMITS 2008-03-09 11:43:00 First time buyers, first time sellers looking to move up in the home market, and also those current property owners struggling with adjustable mortgages should benefit the most by the latest government move which increases FHA loan limits. The new limits should have a positive affect on the housing industry everywhere. In the Bucks, Chester, Delaware and Montgomery county areas of Pennsylvania the limits have been adjusted up about 50% from approx. $285,000 to $420,000. These government backed mortgages are generally easier to qualify for and require a very low down payment of 3% in most cases. Housing and Urban Development (HUD)which cooperates with the Federal Housing Administration (FHA) gets to have a major impact on the criteria to qualify for FHA loans. We at JB REALTY SERVICE LLC fi
prepare to buy invesrment property 2008-03-12 13:19:00 Preparing to be in a position to purchase properties in the up coming months you will need a little understanding of some events that may be inevedable. First as seen in the news there is a major mortgage mess...the effect this has on you is that finding financing for the investment property
is going to be more difficult. In the past investors could purchase properties with little or no money down,no more. The lenders are changing their qualifiing criteria every week. Lets just focus on one aspect..more and more the lenders are requiring more down payment..20% down on a $200,000 property is $40,000 plus closing fees. If you find that investment property will you have these funds available to you ? One way to get the money would be from the equity you have in an existing property(investment
home values 2008-05-17 04:32:00 For the purpose of a refinance and a sale, the property will most likely be appraised to judge its value for purpose of a loan. What consumers do not realize is that the appraiser works for the lender. The lender is the client not the home owner or the buyer.The consumer may recieve a copy of the report for limited use or just for their records. The lender, as the client of the appraiser, sets the
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