Life is a daring adventure or nothing. Helen Keller
Remember to cherish each day, adore your family and friends and happy is a choice!
The real estate market is really heating up, now is truly the time.
Warm weather is coming…..
Roads are slick, it’s still cold but I am determined it will not affect me in any way…ha!
I AM ASKING IF EVERYONE COULD PLEASE PUT THIS AS YOUR STATUS FOR ONE HOUR IF YOU OR SOMEONE YOU LOVE HAS DIABETES. I KNOW MY FAMILY WILL, MY PRAYER IS THAT IN 2011 A CURE WILL BE FOUND. DO IT FOR ALL OF US IN MEMORY OF TOO MANY TO MENTION AND IN HONOR OF ALL FIGHTING IT
It is way too cold!
1. Curb appeal, the window to your home. You have 10 seconds to make an impression. Keep the grass well-watered and mowed. Have your trees trimmed. Cut back overgrowth. Plant some blooming flowers. Store toys, bicycles, roller-skates, gardening tools. If necessary, replace your front doors hardware, paint the door and trim painted. Be sure the numbers on your home are visable and replace if dateD, an inexpensive face lift. Sweep the porch and the front walkway. Are you exterior lights dated? If so, replace or paint them. Always keep your lights on after dark!.
2. If you’re not using it, put it away! SIGHT, SMELL, SOUND. If any one of these senses is offended in your home that is ALL the potential buyer will remember! Buyers have to be able to see themselves in your home. If your home has too much furniture, overflowing closets, crowded kitchen and bathroom countertops or lots of family photos or collectibles on display, potential buyers won’t be able to see your home. Get rid of anything you don’t need or use. They know you’re moving so boxes in the basement or garage, stored neatly, are not a problem. To eliminate bad smells, bathe your pets, freshen the cat litter box frequently, shampoo your carpets,vacuum daily, dry clean your drapes, and empty trash cans, and recycling bins. Place open boxes of baking soda in smell-prone areas, and refrain from cooking fish or strong-smelling foods. Introduce pleasing smells by placing flowers or potpourri (soft scents, you don’t want anything to floral or overwhelming) in your home and using air fresheners. Baking a fresh or frozen pie or some other fragrant treat is another common tactic.
4. Fix it! Buyers expect everything in their new home to operate safely and properly. Picky buyers definitely will notice-and likely magnify — minor maintenance problems you’ve ignored for months or even years. Leaky faucets, burned-out light bulbs, painted-shut or broken windows, inoperable appliances and the like should be fixed before you put your home on the market. These repairs may seem small, but left undone they can lead buyers to question whether you’ve taken good care of your home.
5. Don’t overstage. Sometimes setting the tables with your fine china, silver and napkins can be a little much. Fresh flowers, clean towels, freshly made beds and everything in it’s place sets the stage.
6. Become the buyer. View your home as if you were there for the first time. What do you notice? How do you feel about what you see? Does the home seem inviting? Well-maintained? Would you want to buy this home? Your answer should be an enthusiastic yes!
First-Time Homebuyer Credit: Members of the Military and Certain Other Federal Employees
Page Last Reviewed or Updated: December 14, 2009
On November 30, 2009, the Treasury Department released guidelines and forms for its new Home Affordable Foreclosure Alternatives Program (HAFA). HAFA is part of the Home Affordable Modification Program (HAMP). HAFA provides incentives in connection with a short sale or a deed-in-lieu of foreclosure (DIL) used to avoid foreclosure on a loan eligible for modification under the HAMP program. Servicers participating in HAMP are also required to comply with HAFA. A list of servicers participating in HAMP is available at MakingHomeAffordable.gov.
HAFA applies to loans not owned or guaranteed by Fannie Mae or Freddie Mac, which will issue their own versions of HAFA in coming weeks.
HAFA is a complex program, with 43 pages of guidelines and forms, designed to simplify and streamline use of short sales and deeds-in-lieu of foreclosure. HAFA:
- Complements HAMP by providing a viable alternative for borrowers (the current homeowners) who are HAMP eligible but nevertheless unable to keep their home.
- Uses borrower financial and hardship information already collected in connection with consideration of a loan modification.
- Allows borrowers to receive pre-approved short sales terms before listing the property (including the minimum acceptable net proceeds).
- Prohibits the servicers from requiring a reduction in the real estate commission agreed upon in the listing agreement (up to 6 percent).
- Requires borrowers to be fully released from future liability for the first mortgage debt (no cash contribution, promissory note, or deficiency judgment is allowed).
- Uses standard processes, documents, and timeframes/deadlines.
- Provides financial incentives: $1,500 for borrower relocation assistance; $1,000 for servicers to cover administrative and processing costs; and up to $1,000 for investors for allowing a total of up to $3,000 in short sale proceeds to be distributed to subordinate lien holders (on a one-for-three matching basis).
- Requires all servicers participating in HAMP to implement HAFA in accordance with their own written policy, consistent with investor guidelines. The policy may include factors such as the severity of the potential loss, local markets, timing of pending foreclosure actions, and borrower motivation and cooperation.
The program does not take effect until April 5, 2010, but servicers may implement it before then if they meet certain requirements. The program sunsets on December 31, 2012. Published by NAR.