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FYI
This months newsletter includes
important new information for new home buyers. And,also sellers see article - "Is Now a Good Time to downsize?"
Enjoy and please contact me for assistance with your real estate needs.
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FHA loans to become more expensive for home buyers.
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2010: year of the turnaround?
A spurt in home sales in 2009, aided by low interest rates and the first-time homebuyer tax credit, has led some economists to forecast a turnaround in the housing market this year. Other forecasters feel this is too optimistic a projection.
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Make your short sale shine
Short sales, where the lender agrees to take less than amount due to them, have tended to sell for less than similar homes in the area. One reason for this is that short-sale listings usually don't look as good as the competition. Another reason is that short sales require lender approval.
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Rate-lock dos and don'ts
Interest rates dropped at the end of last year after creeping up over the summer, with 30-year fixed-rate mortgages with interest rates below 5 percent readily available.
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Tips for avoiding surprise defects
A homebuyer in the hills above Oakland, Calif., recently closed on a home that matched her wish list almost perfectly, which is as good as it gets. Before closing, the new home was inspected and no major defects were discovered.
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No capital gains tax on home exchange?
DEAR BENNY: My husband and I built a townhouse in 1983 for $33,000. We lived there for a few years and then rented it out for 17 years, taking all the tax advantages such as depreciation, etc.
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CFLs today
General Electric introduced the first compact fluorescent light bulb (CFL) to the market in 1992. In that same year, the U.S. Environmental Protection Agency (EPA) established the ENERGY STAR label as a “voluntary labeling program designed to identify and promote energy-efficient products to reduce green house gas emissions.” CFLs were one of these newly regulated products. The energy-saving bulb wouldn’t find popularity, however, until the new millennium when mainstream America became more conscious of energy conservation and the environment. Today, the CFL is still growing in popularity; consumers like that it saves energy -- and money. According to the EPA, in 2007, Americans saved $1.5 billion by switching to ENERGY STAR-qualified CFLs. The CFL light bulb has also improved greatly in the past 30 years with more lighting choices, regulation of its mercury output, and easier disposal.
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