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A QR ON, SEE "FEATURED PROPERTIES" TO THE LEFT
CAPITAL GAINS QUESTIONS ON THE SALE OF A PROPERTY?
CONTACT ME REGARDING THE "ABILITY-TO-REPAY" MORTGAGE RULES
CHANGES THAT WILL AFFECT YOU.
NATIONAL FLOOD INSURANCE PROGRAM EFFECTIVE MAY 1, 2014
FEMA also extended the rate relief so all pre-FIRM properties (including the second homes and businesses) will begin paying October 2013 rates when they purchase or renew their flood insurance after May 1, including:
ALL buyers of a pre-FIRM property, not just those whose seller has an existing policy.
ALL recent owners who apply for a new flood insurance policy on a pre-FIRM property.
ALL recent owners who reinstate an old pre-FIRM policy that previously lapsed for any reason.
ALL recent owners who renew a policy on a pre-FIRM property bought or newly insured after the 2012 Biggert-Waters law.
While expediting the rate relief, FEMA must still issue refunds to all those who paid more than their October 2013 rate.
RE: THE MORTGAGE FORGIVENESS DEBT RELIEF ACT
As part of the new budget. However, nothing confirmed.
However, the fact that USDA delayed (again) the enforcement of the new boundaries as a result of the 2010
Census, means they feel the housing market is still in need of helping those areas. Meaning, the housing market hasn’t
Fully recovered and there are still TONS of homes that are in default without full resolution (be it short sale, modification, or foreclosure).
Harp 2 was implemented because the cap on LTV’s was insufficient for many homeowners, plus they extended that program until 12/31/2015.
For further details contact me.
NEWSLETTER CATEGORY ON LEFT
FOR BUYER AND SELLER RESOURCES SEE BELOW.
Go to this link to view all of the tax benefits for 2014:
LOOKING TO BUY? LOOKING TO SELL?
VALID ONLY WITH DONNA K.
UPDATES AND MORE.
"She sold my lake lot within 2 months of the date I signed the contract with her. Previously I had it listed for more than 3 years with another realtor with no positive results."
The detailed "results" were?
"I listed with Donna several years ago. Then, I was persuaded by my daughter to sign with a former relative who was a realtor. I asked Donna to allow me to cancel with her, about a week later. She had already put in the time and effort of doing a write-up on the property preparing for the on-Iine listing & taking pictures. But she graciously agreed to allow me to cancel without charging me, which she could have done.
When the property failed to sell after more than 3 years, I canceled the contract with the other realtor (fined with a fee) and called Donna & listed with her. She called me weekly to give me updates on the activity that had taken place. In less than 2 months she had 2 interested parties which resulted in an offer and sale. She had numerous contacts & leads she worked to market the property. She negotiated a good price for me. During the offer & acceptance period, Donna quickly responded to any calls & e-mails I made. She put in extra effort to explain all details about the offer, my choices, closing costs, etc. She made sure I had a comfort level with all documents I would be seeing at close. I had no surprises and all went very smoothly. She showed concern about the location of the closing since it was about 40 minutes away for me. She offered to meet with me at a closer location & then, meet with the buyers at a separate time at the other location. I told her it was no problem for me to drive there. But her priority on convenience for me was an indication of the service I received from Donna.
She always told it like it was. By that I mean, I had views of the current market for land, etc. She showed me sales, values, market activity. She did not try to tell me what she thought I wanted to hear. She would tell me what was happening, as she saw it.
I got more feedback from Donna in the few months from listing the property to close of the sale, than the entire 3 years I had it listed with the previous realtor."