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SB's UPDATE |
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The Online Realtor®'s Newsletter
for January is BACK! |
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HAPPY NEW YEAR!
2008 is finally here and the Real Estate Market has drastically changed in the last year!
For Sellers, the concentration should still be aggressive marketing and pricing that is consistant with today's market.
For Buyers, there are quite a few City and Federal Buyer's Programs available. Home inventory is high, you can get more home for your buck and there is plent of room for negotiation.
Do You Know What Your Home is Worth in Today's Market?
Call me today at 408.469.0061 for more information on market conditions, foreclosure or any other real estate questions.
If you find the Online Realtor® useful and know someone else who might, please feel free to forward this newsletter to them and allow them to register below.
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THE HOLIDAYS ARE OVER....NOW WHAT? |
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Tips to Bounce Back From Holiday Spending
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The January credit card bills are looming. Now what? No matter how much we tried cutting back, holiday spending really adds up.
This month, we'll literally be paying for those last-minute purchases, plus the inevitable after-Christmas impulse buys. Here are 10 ways to get back on track and rein in the shopping budget for 2007:
>>Read
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BEWARE: FORECLOSURE "RESCUE" SCAMS ON THE RISE |
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Spot Landscaping Red Flags
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Are you facing the threat of losing your home?
Be wary of individuals and companies offering to "help" you out of your difficult financial situation. Consumer advocates report an increase in complaints about foreclosure "rescue" scams. These scams specifically target homeowners who are in financial distress.
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GARDENING TIPS |
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Bulletproof Gardening Favorites
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Gardening is one of those activities that allows you to focus your attention on something other than the mundane chores of life.
Impatiens are a summer favorite and easy to care for. Try one of the hardy new varieties, such as 'Fusion Glow' from Simply Beautiful.
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| REAL ESTATE KEYWORD |
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FEATURED TIPS |
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Principal, Interest, Taxes, and Insurance (PITI):
The four components of a monthly mortgage payment.
- Principal refers to the part of the monthly payment that reduces the remaining balance of the mortgage.
- Interest is the fee charged for borrowing money.
- Taxes and insurance refer to the monthly cost of property taxes and homeowners insurance, whether these amounts that are paid into an escrow account each month or not.
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Credit Guidelines Have Tightened! |
The following tips will assist you in the mortgage approval process: |
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. Limit your spending and new credit card accounts. |
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Maintain positive balances in your checking and savings accounts.
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Review your credit report and FICO scores at www.myfico.com. |
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Please do not reply to this message to unsubscribe. If do you not want to receive the Online Realtor® Newsletter, use this link to unsubscribe. CENTURY 21 Alpha and Shawneequa D. Badger are located at 5504 Monterey Road, San Jose, California 95138.
Proudly servicing Santa Clara County, San Mateo County, the City of San Francisco, San Benito County, Alameda County, as well as, select areas of Contra Costa, San Joaquin, Sacramento, Stanislaus, and Merced Counties.
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