Real Estate

Homes for Sale – http://www.realestate.com – For additional information about CHESHIRE LN or to schedule an appointment to see this home, please call toll free 866-285-3226. You can also view more details about this Single Family Home for sale in HOUSTON, TX 77018 and find additional real estate listings on RealEstate.com. MLS #: 73545487 For More Details, visit: http://www.realestate.com/TX/Houston/30280802–CHESHIRE-LN-Houston-TX-77018-home-for-sale.aspx

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Search Grayhawk Homes
http://www.azsearchforhomes.com/grayhawk_arizona_real_estat.html

Grayhawk features some of Arizona’s finest homebuilders specializing in single-family homes, townhomes, condominiums, luxury rentals, and custom home sites. The real estate market in Grayhawk is comparable to what you will find in most prestigious communities in North Scottsdale. Contact us at 480-247-7244 if you have any Grayhawk real estate questions.

Composed of two interconnected neighborhoods in North Scottsdale, The Park and The Retreat, Grayhawk is one of Scottsdale’s most desirable places to live. Some of the amenities at Grayhawk include; two daily fee golf courses (Raptor and Talon), two gourmet restaurants, tennis courts, neighborhood pools, 30 miles of hiking or jogging trails, playgrounds, basketball courts, picnic areas and greenbelts.

The Retreat section is a guard-gated neighborhood that features a higher price point than The Park. The Park neighborhood is more “kid-friendly” due to the number of playgrounds and parks. Grayhawk also has mature living options at Classic Residence Senior Living by Hyatt. This is a nice attribute for residents who have parents with assisted living needs.

The developers of Grayhawk have taken extensive measures to help promote a tight sense of community. In doing so, they appointed a Grayhawk Resident Program Director, who maintains a calendar of events, including: sporting events, social functions and cultural activities. Some of the past activities at Grayhawk include: “Dine-Arounds,” cooking training, basketball tournaments, holiday get-togethers as well as “Walking on Wednesdays.”

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$149,900 View more info at http://www.ChrisCosco.com or call (906) 362-4747 Beautiful building spot for your Lake Superior Waterfront Home! 1.20 acres with 150 feet of Lake Superior frontage! Conveniently located between Marquette and Munising, youre just a short distance from Pictured Rocks National Lakeshore, Grand Island and the Hiawatha National Forest where you can enjoy gorgeous views of Lake Superior! Life by the lake could be yours!

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I just think the line at the end is freakin funny lol

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Homes for Sale – http://www.realestate.com – For additional information about 3604 Tree Shadow Trail or to schedule an appointment to see this home, please call toll free 866-285-3226. You can also view more details about this Single Family Home for sale in Plano, TX 75074-1601 and find additional real estate listings on RealEstate.com. MLS #: 11362701 For More Details, visit: http://www.realestate.com/TX/Plano/31074778-3604-Tree-Shadow-Trail-Plano-TX-75074-11362701-home-for-sale.aspx

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Albuquerque Homes for Sale Listed by Veronica Gonzales http://www.ABQDreamHomes.com/
*Interior Features*
Dishwasher, Dryer Hook Up, Freestanding Electric Stove/Oven, Washer Hook Up, Carpet, Laminate floor, Breakfast Nook, Pantry,

*Exterior Features*
Alley, Fenced Backyard, Patio Covered, Storage, Home Faces South, Backyard Landscaped, South Western Gravel Landscaping

•Area: North Valley

•County: Bernalillo

•Subdivision: E14

•Year Built: 1978

•3 total bedroom(s)

•2 total bath(s)

•1 total full bath(s)

•1 total half bath(s)

•Approximately 1148 sq. ft.

•Master bedroom is 18×11 Level: Upper

•Living room is 17×9 Level: Main

•Kitchen is 20×9 Level: Main

•Heating features: Gas Heating

•Forced air heat

•Central heat

•Cooling features: Evaporative AC

•Exterior construction: Frame, Stucco Siding

•Roofing: Mixed, Pitched, Shingle

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REDUCED TO $128,500!!! This 4 bed, 1 bath offers all the charm you would expect from a Victorian era home. Much of the original wood work remains. Updates include updated bathroom, window inserts, and electrical. Home boasts 2,194 sq ft and huge walk-up attic which could be finished to create even more square footage! Downstairs layout includes kitchen, dining room, living room and 2 bedrooms (10×10, 8×9), upstairs includes 2 beds (13×14, 10×9) and bath. Great location within walking distance to NMU; Marquette General Hospital; grade schools; and downtown/Third Street shops and restaurants. Nice corner lot and great wraparound porch with Victorian spindle and column detail, off-street parking available. At $63 per square foot in the city of Marquette – you cant beat the price!

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Facing Foreclosure on Your Real Estate Mortgage, Short Sale & Loan Modification are Alternatives. Hire an Expert Short Sale Negotiator, Experienced Real Estate Agent. Go To http://RealEstateMarketingThisWeek.com

Part 2 (Excerpt)

Short Sale and Loan Modification; Make sure you Work with an Expert

Were just going to go ahead if we could and just jump right into the short sale information. Jeri, again thank you so much for taking the time to be with us. What is the name of your firm?

Our group is Dream Vesting Group and our brokerage is Keller Williams Arizona Realty.

So that is great, licensed agents with Keller Williams and I know the two of you and I know of your history and we will talk a little bit more about that, but you have been working together for awhile. You and I had a chance to speak about the short sales and your success rate, very, very impressive proven results always helps. So the natural first question for those that are listening today. What is a short sale exactly?

A short sale is a property sale where the bank or lender agrees to accept less than what is owed to them. So the bank is agreeing to take a loss on the sale of your property, and I like what you said earlier about not trusting a loan modification or a short sale to just anybody, you definitely dont want to be the guinea pig and you dont want to approach the bank yourself and ask them to please take a loss because you need to sell your home.

And that is one of the things that is funny nowadays. I know people have seen them pop up all over the town, the ugly yellow bill boards all over the place. Advertising on the radio about loan modifications and they have 100% success rate, all kinds of these different things. The same thing with short sales, you actually have a process and you have a lot of experience doing it, you know the ins and the outs and this isnt a part time job this is a fulltime job.

Absolutely is a fulltime more than fulltime job, the last three Sundays I have been on the phones with lenders when they are open, one of them has a call center in India. I have been on the phone from 10 oclock at night until Midnight and again at 6am with the same lender trying to stop foreclosure.

Well that is good that you have the time, Take the time to do that. I am sorry that you have to work that many hours but you know Kalyn, is it not true that the sooner we get through all of these short sales and loan modifications the better off were all going to be anyway right?

Absolutely, a lot of people ask, what does it take? Who should be considering a short sale? If youre late on your mortgage currently, if your mortgage has adjusted, if you can no longer afford your monthly payment, if you foresee yourself not being able to afford your monthly payments, any of these instances plus several more, you should definitely be sitting down with someone and talking about your options which would be most likely a short sale or loan modification.

Yes the last thing anyone wants, and I mean anyone, is a foreclosure, that is the last resort. Nobody wants a foreclosure; you dont want it on your record, you dont want to have to deal with that. Its a very public event, a foreclosure is, the banks dont want you to foreclose and that is probably why they are so willing to work with you would you say? Absolutely the banks dont want the home back no matter what they tell you.

Exactly and on the loan modification side people try on their own to do this and its true that people can actually do a loan modification on their own but there are so many pitfalls and its just not something you want to try on your own. Surely you dont want to try a short sale on your own. So Jeri let me ask you this, what are some of the main objections?

The main objection that we hear from most of our clients is the cost to them, they already cant afford the payment on their mortgage or they wouldnt be in that particular situation 9 times out of 10 and so they are concerned about cost. Most people have already resigned themselves to the fact that they are losing their home and they dont want to spend any more money on it.

The good news is in a short sale you dont have to spend anymore money, all of the costs are absorbed by the bank. They agree to lose more money basically, so there is no realtor fees and the majority of the time we can negotiate an as is contract so if there are repairs that need to be made they dont come to you and ask you to do it, its just factored into the cost. So its very effective for homeowners.

And again it keeps them from going into foreclosure. They get to stay in the house and they get to save whatever is left of their dignity, some people take it very pride fully as well. So Kalyn, the second most common objection is?

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Amidst the Real Estate & Mortgage Meltdown; Foreclosure Fraud & Scams; Real Estates Future is Great. First Time Home Buyers, FHA Loans & Seller Paid Closing Costs. Go To http://RealEstateMarketingThisWeek.com

Part 8 (Excerpt)

Rent skimming and other foreclosure scams Home Owner Beware.

And what rent skimming is, a shark as I like to call them, a shark will go out and find a vacant house, and they will go in and change the locks and maybe clean it up a little if need be but then they will rent it out to somebody. They will move that person into the house, they will get their $1,000 or $1,500 a month rent payment on the house, and 3 or 4 months down the road the repo man comes knocking on the door and says, hey you have to get out. He says this to the tenant of course and the tenant says, hey you dont own the house, and it turns out that the guy that they were paying rent from for the last 3 or 4 months didnt own the house either.

So you are talking about somebody, a shark, who goes out and finds a vacant house, breaks in, changes the locks, cleans it up, puts it up on Craigs list and rents it out and collects the money. He never owned the house, he never had any rights to the house, then all of a sudden the sheriff shows up and says you have to go. How can that be legal? Well its not legal; its not legal at all. Because the person who rented you the house knows that they dont own the house, now of course the tenant doesnt know that.

Now under Fannie Maes new guidelines, that tenant, if they are lucky enough to have Fannie Mae own that property, or own that note, you may actually get to stay in the house because Fannie Mae has some new guidelines that if they have a tenant in the house, they will re-sign a contract with them and let them stay in the house. It didnt say how long but they will let them stay in there for a while.

Wow, that is fantastic. I actually didnt know about that, so Fannie Mae is getting into the property management business. Yes, our government is now becoming a landlord as well as the entity that likes to just hand out trillions of dollars. I believe that you and I have a differing of opinion on this, Dan. I actually think that that is the right thing for Fannie Mae and Freddie Mac to do, primarily because if they sell right now they will sell at a huge loss and they have an opportunity to pick up some capitol at some point, dont you think?

Well, I dont know, it all depends on whether property values keep going up or property values keep going down. But the real issue becomes, is our government in the business of owning real estate? And we can argue about this all day long. There is no need to; there is too much other information you are going to talk about, too many other sharks out there.

What is the crime, I mean realistically, some guy goes in, breaks into the house. Sounds like its breaking and entering to me, then he is collecting monies on a vacant house and well there are a number of crimes, I have to admit I dont have the statute with me but I do know in Arizona there is a statute specifically about this very practice. And that would be Terry Goddards website? I would suspect that you could go there and find it.

But real quick here before we run out of time, there are two other quick things I wanted to talk about one just happened to a friend of mine recently where her daughter moved out of a house that she had been living in for years and she moved to another state and the house went vacant. Well, she hadnt been gone for more than a few weeks and the mother, who was going to help her work on a short sale, went over to the house one day and found that the locks were changed.

And I immediately think, Oh, Oh were dealing with a rent skimming situation here. Well it turns out the lender, who does not own the house yet, because there has not been a foreclosure sale, came by, saw the house was vacant, opened the door, changed all the locks on the house and now essentially is not really willing to give the keys to the owner. I couldnt quite figure that one out, especially when I found out that two weeks later they still had not gotten the keys from the lender.

So just be careful of that and the one thing I want, the last thing I will talk about is that a buddy of mine works repos over in California and I think its happening here a little bit, where what will happen is when you are in a foreclosure situation you will have all kinds of people knocking on your door. Some of these people want to come by and buy the stuff out of your house.

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Remarkable Custom built home in highly sought after North Oldham School District with Luxury upgrades. Private Culdesac lot (fully fenced backyard..2007) backs up directly to green lawn (Zurich Park). New Stately Pergola graces curved concrete patio and beautiful outdoor Stone Fireplace (2007). Irrigation System & Speaker System in Interior & Exterior of home. Entertaining is a breeze with this layout…gorgeous tile extends from the foyer to the gourmet style kitchen (center island too) with brand NEW Granite Countertops (Dec. 2007) and NEW Maple Cabinetry with Rope Molding (2007). Breakfast area is surrounded by windows and flooded with natural light. 1st floor family features brick mantled fireplace and huge bay windows that overlook parklike backyard. Grand 2nd Floor Master’s Suite features vault ceiling, large closet, master bath with tile floor, separate shower, dual vanity. 3 Additional Bedrooms Up are large as well. Finished basement (1,234 sq. ft in 2007) features 2nd family room with bar, Full tiled bath, PLUS 3 Additional Rooms (No Egress). Maintenance Free Brick exterior. 3 Plus Car Garage PLUS extended driveway. New Landscaping in Front & Backyard (2007). Irrigation System & Speaker System in Interior & Exterior of home. Home has been meticulously taken care of by sellers. GlenOaks Country Club membership available for additional fee…Pond behind Zurich Park can be used by Moser residents to fish. Moser Farms has playground, 2 parks, nature preserve, trails, sidewalks. Seller is offering a 1 Year Home Warranty

For more information visit:

http://www.stephaniemattingly.net

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