Blogs - Teacher A Plus

Exclusive VA Refinance Center Offers Loans Designed for Veterans

Exclusive low rates of loans designed for veterans affairs, military loans for home improvements, lowest rates of VA mortgage loans, VA refinance rates, VA streamline, cash out refinance loans. VA Loan Continue

Added by Shanelle Wintercrest on November 9, 2009 at 2:57am — No Comments

FHA ChangesThat Encourage Quick Refinance

Attention: All FHA homeowners, FHA streamline refinance guidelines are changing. If you currently have an FHA loan, please read the following. On September 18th 2009, HUD issued new guidelines for FHA streamline refinances. While I agree with the spirit of the new guidelines, the result will be that FHA streamline refinances without appraisals will be more costly. The new guideline will apply to all transaction with an FHA case number issued on or after 11/18/2009. Why will the n… Continue

Added by Troy Schuricht on November 6, 2009 at 12:58pm — No Comments

Phoenix Real Estate Blog: Breaking News – Obama to Extend Homebuyer Tax Credit

Earlier today the House signed a bill that will extend (and expand) the first-time homebuyer’s tax credit and introduce a similar credit for people who already own their home but need to move. President Obama is expected to sign the bill into law on Friday. Here’s what the law does: • Extends the $8,000 first-time homebuyer tax credit to May 1, 2010. • Creates a new credit of up to $6,500 for existing homeowners who buy a new residence if they have lived in their current one for at least five o… Continue

Added by Bob Stahl on November 6, 2009 at 12:34pm — No Comments

Phoenix Real Estate Blog: Fun Activities in the Phoenix Area in November

Looking for something to do? Gear up; the month of November is ready for you! Packed with fun filled events to keep everyone and anyone busy all month long. Check them out (and thanks, as always, to About.com for the listings): 4th Friday Art Walk What: Photography, jewelry, crafts, paintings, sculptures and more. Live music. When: In 2009: 6 p.m. 9 p.m. Where: Mesa Riverview. Ahwa-Turkey Stomp / Car and Motorcycle Show What: Vehicles of all different makes, models and years. A judged event wi… Continue

Added by Bob Stahl on November 6, 2009 at 12:33pm — No Comments

Phoenix Real Estate Blog: A Housing “Mini-boom”

On Tuesday I blogged about the fact that home prices rose in Phoenix for the third straight month since August 2006. But there’s more good news: the number of home sales was up, too -- across the nation, actually -- leading one real estate expert to dub this a real estate “mini-boom.” “There's a mini-boom going on in the housing market,” said Thomas Popik, who conducts a monthly survey of real estate agents for Campbell Communications, a research firm. Nationally, sales rose 9.4% in September… Continue

Added by Bob Stahl on October 30, 2009 at 12:23pm — No Comments

Phoenix Real Estate Blog: Phoenix Home Prices Rise for Third Straight Month

Home prices rose in the Phoenix area for the third straight month in August ¬ – a sign that the real estate market may well have hit bottom and caught the recovery wind. According to the S&P/Case-Shiller Home Price Index, the median price of resold homes in the Phoenix area was up 1.6% in August compared to July. Prices rose 1.1% in June – the first time they increased since the real estate bubble began to deflate in August 2006.

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Added by Bob Stahl on October 28, 2009 at 1:12pm — No Comments

Phoenix Real Estate Blog: Fun Activities in the Phoenix Area in October

From Oktoberfest to Halloween, October in the Valley has events to please folks of every persuasion. Check them out (and thanks, as always, to About.com for the listings): 4th Friday ArtWalk What: Photography, jewelry, crafts, paintings, sculptures and more. Live music. When: October 23 from 6 p.m. to 9 p.m. Where: Mesa Riverview Arizona Cardinals Football What: The Arizona Cardinals play professional football. When: Home game on October 11 at 1:15 p.m. Where: University of Phoenix Stadium in… Continue

Added by Bob Stahl on October 7, 2009 at 12:42pm — No Comments

My Dissertation Writing Story…

When Dissertation Troubles Surrounded Me: This is an appreciative letter to thank the people who provided pin-point and professional UK dissertation writing help at the time when I was totally disappointed and had braced myself to meet the disaster regarding my PhD degree. It was the worst time of my life when I even thought of my dissertation disapproval. I was busy working and handling my social life. You can say that I was hanging in balan… Continue

Added by Gaili Jensen on October 5, 2009 at 10:55pm — No Comments

Phoenix Real Estate Blog: Think You Don’t Need an Inspection on a New Home? Think Again

Imagine lying awake at night listening to your brand new, $357,000, golf course home cracking. Or needing to replace the roof on your new home even before you replace its light bulbs. Or being forced to move out – just months after you moved in – because of toxic mold growing in your new home. These are problems that can arise, even in newly-built homes. The solution? A home inspection. Despite what many people think, a home inspection is a must, even when you’re buying a newly-built home. An… Continue

Added by Bob Stahl on October 2, 2009 at 1:34pm — No Comments

Phoenix Real Estate Blog: Should You Continue to Pay for a Home When You Owe More than it’s Worth?

I know I just wrote a response to a Realtor.com “Hot Topic” – about what goes in to your credit score and how it affects you as a home buyer. But their most recent hot topic was too interesting to pass up. The question: “Should you continue to pay for a home where you owe more than it’s worth?” I’ve blogged before about strategic defaults – where a homeowner, who can afford his mortgage, intentionally stops paying and either lets the bank foreclose or tries to negotiate a short sale. The posts… Continue

Added by Bob Stahl on September 28, 2009 at 12:16pm — No Comments

Phoenix Real Estate Blog: What Affects a Homeowner’s Credit Rating?

Last week Realtor.com asked “Do you know what affects a homeowner’s credit rating?” It’s a good question – and an important topic – so I thought I’d blog about it today. The most commonly used credit scoring method is the FICO score. There are 5 factors that are used to determine your FICO score, as you can see in the chart below. The percentages reflect the relative importance of that factor; in other words, payment history is the most important factor, but is only slightly more important than… Continue

Added by Bob Stahl on September 24, 2009 at 12:33pm — No Comments

Phoenix Real Estate Blog: September Phoenix and Scottsdale Real Estate Market Update

I decided again this month to look to Trulia to help me give you a more a detailed analysis of what's going on in the Phoenix and Scottsdale real estate markets. A couple of notes:

Median sales price, recently sold, and foreclosures numbers are based on public records

Average listing price, homes for sale and open homes numbers are based on Trulia listings

Phoenix

The median sales price of homes

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Added by Bob Stahl on September 16, 2009 at 1:21pm — No Comments

Phoenix Real Estate Blog: Now May Be the Time to Buy – Here’s Why

I’ve said it before and I’ll say it again: now may be a great time to buy a house in Phoenix. Have home prices stopped falling, for good? Will they rise again soon? I can’t answer those questions, but I can offer two great reasons to buy now: Reason #1: The First-time Home Buyer’s Tax Credit Is Set to Expire on December 1 Congress is debating an extension of the first-time homebuyer’s tax credit, but as the law stands now, it’s set to expire on December 1. Part of the Housing and Economic Reco… Continue

Added by Bob Stahl on September 11, 2009 at 12:24pm — No Comments

Teacher A+ & Booster Club Bonus

CFS Mortgage Corporation is proud to announce the new Teacher A+ Home Loan Program. This home loan is designed to give back educators, administrators, facility, staff and their families. The Teacher A+ Home Loan offers individuals competitive interest rate and closing cost and the same time gives back the teachers, schools and their community.. Benefits of Teacher A+: o Competitive Interest Rates o Competitive Closing Costs o No Upfront Fees o FREE APPRAISAL – Valued at $400 o FREE I… Continue

Added by Troy Schuricht on September 11, 2009 at 11:30am — No Comments

$8000 Tax Credit for First Time Homebuyers--TIME IS RUNNING OUT!

Just a reminder that the $8000 tax credit for first time homebuyers program expires 12/1/2009. This means for a transaction to close on time for a borrower to take advantage of this credit, their loan must be in process no later than October 15, 2009. So if you or someone you know is on the fence, please have them call today to get an LSR and get them shopping. Our company is prepared to handle the surge in volume expected as the deadline nears. If you recall the mess when Down Payment Assistanc… Continue

Added by Jim Passamonte on September 9, 2009 at 12:54pm — No Comments

Phoenix Real Estate Blog: Will Credit Flow More Easily Again? Yes, But. . .

When I can, I like to respond to the Realtor.com “Hot Topic” which they typically refresh every week or so. This week’s is “Will credit flow more easily again?” My answer, in two words: Yes, but . . . Yes Last September, when the global credit markets went to hell in a hand basket, everyone realized (overnight, it seems) that mortgage lenders had grossly underestimated the risk associated with their mortgages (in other words, rates of borrower default, it turned out, were far higher than lende… Continue

Added by Bob Stahl on September 9, 2009 at 12:31pm — No Comments

Phoenix Real Estate Blog: Fun Activities in the Phoenix Area in September

Need to get out of the house? There are plenty of fun activities to do in the Phoenix area during the month of September. Check them out (and thanks, as always, to About.com for the listings): 9/11 Memorial Events What: Observances around Phoenix to honor the victims and heroes of the terrorist attacks on America on September 11, 2001. When: In 2009: Various dates in September Where: Phoenix Arab American Festival What: More than 40 singers, musicians and dancers from all over the Arab World.… Continue

Added by Bob Stahl on September 9, 2009 at 12:21pm — No Comments

Phoenix Real Estate Blog: Step 1: Market your home. Step 2: Market your home. Step 3: Market your home.

No, my “paste” function didn’t get stuck on repeat. The fact is that marketing your home is the most critical factor that will determine whether, when, and for how much you sell your home. It should be steps 1, 2, and 3 when you’re listing a home for sale. (REALTOR.com periodically posts “Hot Topics” for REALTORS® to blog about. This week’s was about marketing.) Question: As a real estate agent, how do you market your listings? a) Newspaper ad b) Single listing site c) Featured home on my websi… Continue

Added by Bob Stahl on September 2, 2009 at 9:26am — No Comments

Jim Soap Box August 2009

JIM'S SOAP BOX Real Estate Newsletter Aug 09 TIME IS RUNNING OUT…. November 30th is the last day to take advantage of the $8000 tax credit available to first-time homebuyers. Qualified first-time home buyers may claim a tax credit of ten percent of the purchase price of their home, up to $8,000. In order to meet that deadline, first-time homeowners need to select a home and begin the loan process as soon as possible! Surveys show that fewer than 1 in 5 homebuyers currently shopp… Continue

Added by Jim Cunningham on September 1, 2009 at 4:31pm — 1 Comment

What is a Short Refinance?

Although the "Short Sale" has become a well known solution for borrowers to avoid foreclosure by selling their home for less than what is owe, the “Short Payoff Refinance” (Short Refinance) is becoming a popular tool for borrowers to retain their home, lower their principle balance and most importantly; lower your monthly payment with a fixed rate FHA insured loan. What is a Short-Payoff Refinance? This process is similar to a short sale but, instead of the property being sold, it is refinanc… Continue

Added by Troy Schuricht on August 31, 2009 at 2:30pm — No Comments

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