January 30th, 2010
Posted by margo christophilis
Since I have been in the real estate business with America’s Choice Real Estate we have noticed an increase in homes that are on their way to preforeclosure, with all the new government programs that are out there to assist homeowners stay and keep their homes this should not be growing in preforeclosure activity.
The process of doing the HAMP program or the HOPE For Homeowner’s has had its hurdles and often times when a person is thinking they are able to do the trial loan modification after 90 days they find out that they have been denied and now the banks are putting them in a position where the owner now has to list their home.
This is a great resource and link to find out if you can qualify for this opportunity http://makinghomeaffordable.gov/modification_eligibility.html if anyone has any questions please feel free to call me at 206-963-5525 or email me: margomba@hotmail.com knowing what you have available is very important as this is only for a short period of time, so take advantage of it while you can.
Having done over 1,000 BPO’s and CMA for banks I would be glad to let you know what the value of your home is today.
May 25th, 2009
Posted by margo christophilis
Well we are having another
http://farm3.static.flickr.com/2433/3563137191_db49a2419d_t.jpg
WSHFC State Bond Seminar Class, it is going to be on Friday May 29th 2009 at the Richmond Beach Library in Shoreline, WA. class starts at 12:30PM for reservations please contact Laurie at 206.852.3835 to confirm your spot.
These do fill up quickly as the State Bond assists you with your downpayment or your closing costs. We actually have alot of fun… see you there.
Our last class had 4 people attend and now they are all on their way to owning their first home. Way to go Margo!!
http://farm4.static.flickr.com/3629/3563137227_78d49abf98_m.jpg
Finding homes that are negotiated for our clients, they really appreciate it… look for their future pictures and testimonials next month so stay tuned!
Remember there is an extra incentive that is available to First Time Home Buyers!!! The new stimulus package bill signed by President Obama for first time home buyers.
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Also on David Haley’s Blog.
“Find someone who has achieved the results you want and copy what they do and you’ll achieve the same results.”
Anthony Robbins
March 15th, 2009
Posted by margo christophilis
8,000.00 Tax Credit for First Time Home Buyers It’s Your Money!
March 15th, 2009 10:21 AM
8,000.00 First Time Buyer Tax Credit!
 Get your money!
Don’t forget your money when your purchasing your home in 2009! And there is more… email for more details: David@LendingOnRealEstate.com
Qualified buyers can claim a federal tax credit for 10 percent of the home’s purchase price, up to $8,000. This means someone who buys a home for $80,000 could qualify for the entire $8,000 credit. If the homebuyer owes $2,000 in federal income taxes, the credit could wipe out that tax liability, and the buyer would receive a $6,000 check from the government.
This credit is for first-time homebuyers. However, the definition of first-time homebuyer is anyone who has not owned a home in the past three years. The Internal Revenue Service announced on Feb. 25 people who buy homes before Dec. 1 can claim the credit, either on their 2008 return, if they have not yet filed it, in an amended return, if they have filed without the credit, or on their 2009 return, if they purchase later in the year.
This credit does not have to be repaid if the home remains the buyer’s main residence for three years after the purchase date. The amount of the credit phases out for people whose modified adjusted gross income is $75,000 and $95,000 for individuals or $150,000 to $170,000 for joint filers.
As always please consult your own personal tax advisor. If you do not have one we would be glad to recommend one.
Posted by David Haley on March 15th, 2009 10:21 AM
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February 18th, 2009
Posted by margo christophilis
The girls did it again, taking second place in the small co-ed division at the Washington Interscholastic Activities Association (WIAA) State Cheer Championships on Saturday, Jan. 24 at the Comcast Events Center in Everett.
http://www.enterprisenewspapers.com/article/20090211/ETP04/702119929/0/ETPZONESHL here is the link to the newpaper the girls were in. Good Job ladies!
February 18th, 2009
Posted by margo christophilis
Buy a house
Where are you guys? Stop listening to the news…..if you would like to buy a home now would be the time. There is so much to choose from. Short sales, non short sales…foreclosures and REO’s….The rates are great, if you have a good job and you have been there for the last 2 years and you have some reserves in the bank…come on! Work with an agent and get a home. People do not understand that you pay rent anyways why not own your own home. Please feel free to give me a call if you have any questions.
As is the dazzling photo above, you too can add sparkle by purchasing your own home.
Make a New Years resolution to step outside the box and do not be afraid to go get what you want!
January 31st, 2009
Posted by margo christophilis
Loan Mods
Many of us are seeing a new trend in the mortgage market out there, it is called a Loan Modification. Here is a link http://www.hud.gov/offices/hsg/sfh/nsc/faqlm.cfm to where you can get some free information. With the lending world tightening down their restrictions, higher credit scores, more reserves, lower DTI, and then the old appraisal issues with the value of your home, this is another opportunity.
To read more go to David Haley’s Blog @:http://www.lendingonrealestate.com/MyBlog?CertContactID=19920810&CampElementID=1012310
January 26th, 2009
Posted by margo christophilis
rates
Well, if you have been following our blog and what we think the mortgage rates are going to do you will love this new proposed stimulus idea to get the U.S. housing back up on its feet.
If you have any questions please feel free to go to www.lendingonrealestate.com and see David Haley’s Blog. Thank you.
December 29th, 2008
Posted by margo christophilis
Credit issues
Have you had a creditor call you or send you anything in the mail that suggest they are lowering your credit limits? If you have not had this happen to you its your lucky day. Millions of people are getting their credit limits frozen or lowered becuase of the year we have had with the market. I was helping a gal the other day and she tried to run her credit card and is said declined…she was so embarrassed and was going to call in the morning and find out what the problem was. I am posting an article that you should all read. It will help to educate you on some of the things that are happening with credit these days.
See link please, click here:
If you have any questions please feel free to give me a call.
Happy Holidays!
December 29th, 2008
Posted by margo christophilis
This time of year we really notice how important our heating systems are. We like to make sure that our families are warm and taken care of. This is where Brennan Heating comes in. Brennan Heating has been in the busines for many years. Brennan won Puget Sound Energy’s Contractor Referral Service Platinum Award for sales, service and customer satisfaction for the 5th time. That means they ranked #1 out of the top 40 companies in the industry. Installation and service technicians are all factory-trained and certified. They use only the most reliable, high-quality, energy-efficient equipment. Also they have certified electricians.
If you are thinking about getting an upgrade of some sort but you think you cannot afford it Brennan Heating has financing plans. Check them out at www.brennanheating.com
December 18th, 2008
Posted by margo christophilis
Hello everyone,
I am just practicing on my updated blog. I was in Picnic Point on Halloween trick or treating with my nieces and I took several shots that I wanted to share with everyone. Sorry for the delay I know its a week before Christmas….
