Real Estate Information

GOBBLE! GOBBLE!

Remember when you were a teenager leaving the house on a date? Your parents' last words as you went out the door were, "We'll leave the light on for you". Think about that. So what if they did or didn't leave the light on? Their words were really more of a verbal hug. They cared about you - wanted you to know it - and applied the hug with kind words.

With Thanksgiving in just a few days, why not take the time to "leave the light on" for someone who may not get many hugs? There's still time, and it's easy.

First, learn who needs hugs. Check with your local fire, police, or sheriff's department. Ask whether they know of three or four families or individuals who could use a hug. Ask also whether they would consider delivering your hugs at the appropriate time. Two groups stand out as needy - the elderly and families with small children. Of course, we're talking about individuals who are experiencing difficult circumstances in their lives, be they physical or financial.

Next, consider what type of hugs you have to offer. Perhaps you might prepare three or four Thanksgiving turkeys with all the trimmings. Live in the country where people heat their homes with a wood stove? Deliver firewood. Live in a cold climate? Add some warm socks or a sweater to your dinner box. It's really not that difficult to come up with ideas that would make a difference to your chosen recipients. If you aren't able to provide "things," consider visiting with some nursing home residents. Brighten their day by listening for a while.

It goes without saying that our country is truly blessed. Although practically invisible to most of us, however, there are some individuals who are being challenged. They need a hug, and we can brighten their lives by way of simple gestures. Make a family project out of it - involve your kids. Do it anonymously. Afterwards, when you get home, we'll leave the light on for you!

My dear Friends & Family,

A Happy Thanksgiving,  and let's not forget those who have and are giving us the opportunity to be with our families. Let's Feast, Celebrate, Remember, Laugh and watch Football.

Rob Zwemmer

3847

GOBBLE! GOBBLE!

Remember when you were a teenager leaving the house on a date? Your parents' last words as you went out the door were, "We'll leave the light on for you". Think about that. So what if they did or didn't leave the light on? Their words were really more of a verbal hug. They cared about you - wanted you to know it - and applied the hug with kind words.

With Thanksgiving in just a few days, why not take the time to "leave the light on" for someone who may not get many hugs? There's still time, and it's easy.

First, learn who needs hugs. Check with your local fire, police, or sheriff's department. Ask whether they know of three or four families or individuals who could use a hug. Ask also whether they would consider delivering your hugs at the appropriate time. Two groups stand out as needy - the elderly and families with small children. Of course, we're talking about individuals who are experiencing difficult circumstances in their lives, be they physical or financial.

Next, consider what type of hugs you have to offer. Perhaps you might prepare three or four Thanksgiving turkeys with all the trimmings. Live in the country where people heat their homes with a wood stove? Deliver firewood. Live in a cold climate? Add some warm socks or a sweater to your dinner box. It's really not that difficult to come up with ideas that would make a difference to your chosen recipients. If you aren't able to provide "things," consider visiting with some nursing home residents. Brighten their day by listening for a while.

It goes without saying that our country is truly blessed. Although practically invisible to most of us, however, there are some individuals who are being challenged. They need a hug, and we can brighten their lives by way of simple gestures. Make a family project out of it - involve your kids. Do it anonymously. Afterwards, when you get home, we'll leave the light on for you!

 Monday, November 9, 2009

By Rob Zwemmer

www.DesertRealEstatePrices.com

Good Monday Morning

84°F | 55°F

Are we moving to a  sellers market?

Many of us are asking where is the housing inventory.

Are we moving to a  sellers market? The answer is ?  not yet!

The government introduced a new program for home owners who are behind in their payments. This program is called MHA  “Make Home Affordable”

Before Home owners can apply for a Short Sale! They have to work with their bank to see if they can modify their exciting mortgage.

If they are not able to modify their mortgage (s) than they can apply to do a short sale.This only apply to primary home owners.

This will reduce the inventory for short sales by 20% - 25% on top of that banks and investors are releasing the foreclosures in smaller numbers as before. I am expecting more foreclosures in the Luxury home market this season.

What else do we see ?

·        Existing home sales rose 28 percent from October 2008.

·        The median home price came in at $195,000 . This is the fourth straigt month has gone up.

·        The highest-priced property out of the 780 sales fetched $2.2 million.

With the Canadian dollar holding strong , low interest rates and great tax incentives for first time homebuyers, there has not been a better time to buy.

1 Canadian dollar = 0.940999 U.S. dollars

There are still great deals to be made! Don’t miss the opportunity this time !

http://www.DesertBankOwnedHomes.com

E-mail me with any questions you might have

Have An Awesome Week!

Rob Zwemmer

AND HERE'S YOUR MONDAY MORNING COFFEE!!

http://www.desertrealestateprices.com/Morning-coffee

PS:

if you know of someone who would appreciate the level of service I provide, please e-mail me with their name and number, and I'll be happy to follow up and take great care of them.

INSPIRATION FOR TODAY:

STAND UP AND BE COUNTED!

Think there's any "moral crisis" going on in our country right now? What about in our city? Our schools? Our neighborhood? Where did it come from, and why are we facing these challenges?

We are a country - city - neighborhood - blessed with peace and prosperity. Our daily choices range from which SUV we will drive, to where we will dine next, to how we will redecorate our home this year. Our concerns include our child's upcoming soccer match, whether or not to refinance the house, making "Salesperson of the Year," and taking more time for golf or tennis.

With all the choices complemented by our affluence, we have also become compliant, accepting, and politically correct. We strive to please everyone, avoid "rocking the boat," and prefer the status quo. It's so much easier that way, isn't it?

In doing so, however, we may also abdicate responsibility for teaching our children the value of principle-centered living. What principles should we be teaching - and practicing? Why not adopt and teach the value of courage, diligence, faithfulness, generosity, cleanliness, honesty, encouragement, frugality, humility, industry, justice, moderation, order, resolution, silence, honesty, sincerity, temperance, and tranquility?

Imagine how the world around us would change if we taught and participated in more of these time-honored values. Remember that our country IS our cities, our neighborhoods, and our homes. What begins at the grass roots level - literally in our own backyards - can be spread throughout the world. Abandon neutrality and you can change the world!

NEWS!  New goverment program changes rules for "Short Sales" and "Foreclosures"

My office recently returned from a luxury home seminar in Houston,
TX, where we were certified for short sales under government’s new “Making Home Affordable” (“MHA”) program.

PLEASE NOTE:  This program totally changes the rules for short sales as well as the entire foreclosure and avoidance processes.

The MHA Program is MANDATORY!  It covers all loans on primary residences insured or guaranteed by FNMA, FHLMC, and FHA, plus those made by any of the 8,400 institutions insured by the FDIC.

To-date, 60 non-FDIC-insured lending institutions have also signed agreements to be included in the program.

It’s expected to cover 85-90% of all home loans.  Servicers have already begun implementing these new rules so it is essential agents understand how things will change, especially with regard to existing short sale procedures and paperwork.

How MHA Changes The Evaluation Process For Covered Loans:

FIRST - a loan modification option must be considered by the lender before pursuing any other option.

SECOND - if a loan modification is not considered appropriate, then – and only then – will a short sale be considered.
 

How MHA Changes The Short Sale Process – if a short sale is possible, the lender will:

• Approve the short sale in advance.
• Set the listing price.
• Set the listing term. 

How MHA May Affect Existing Short Sales In Process

For reasons of efficiency & economy, we believe that many/most servicers will want to put all covered loans into the new program – i.e. if an existing short sale falls under the new program, we can expect the lender to halt that process and re-establish it under the new guidelines, with new standardized paperwork, etc.

How MHA May Affect The Coachella Valley

Although the new program covers the majority of outstanding loans,
it is expected to have an impact on non-covered loans, too.

The Coachella Valley has more than its fair share of potential exceptions,
given the high number of second- and vacation-homes, investment properties and luxury estates where outstanding loan amounts exceed the GSE’s loan limits.  Lenders will need to determine how MHA operational requirements will affect their handling of short sales outside the MHA process. 

Based upon answers to our questions presented to Scott Gillen, SVP, Strategic Initiatives with Stewart Lender Services, we believe many lenders will, for economic reasons, opt to bring existing procedures into conformance with the new requirements, even if their decisioning system includes an alternate path for loans that do not fit those requirements.

e-mail me with any questions you might have.

sincerely,

Rob Zwemmer

http://www.DesertRealEstateprices.com

INSPIRATION FOR TODAY:

HOW MANY TREES IN '09?

OK, OK, - you've heard all the New Year Resolution stuff before. I'll try to steer clear of that topic today.

Going back to "Honest Abe's" quote, how many trees do you plan to chop down in 2009? 24? 48? 96? 300? The higher you plan to go, the sharper your axe had better be. What's more, most axe blades lose their edge after only a few trees. That means it will be necessary to step back from the hard work of chopping, and hone the blade numerous times throughout the year. Here are a few suggestions to keep your "edge" in 2009:

Planning is a necessary first step. If you don't know how many trees you want to chop, how will you know when you're finished? Will you be chopping small, medium or large trees? Apple, maple or pine? Will you take long powerful swings, or just hack away 'till they fall? Make some important chopping decisions before you begin.

Education is the next step. It comes in many forms, like books, recordings, videos, seminars, professional courses, and so on. Vary your approach to education to avoid boredom. Seminars and courses are an excellent way to boost your attitude by sharing ideas and strategies with colleagues and associates.

A positive attitude is critical too. It is the magnet that brings trees to your doorstep. Recreation is vital to maintaining that attitude. When you find yourself working 60 and 70-hour weeks, you'll also notice your energy level and attitude begin to dull very quickly. Learn to schedule time off for yourself and family members. Choose activities that leave no room for thoughts about work. You'll notice an immediate improvement in your tree chopping. Soon you'll be off to a flying start with a very sharp axe! Best wishes for the New Year!