Search Results for: short sale

Negotiating a Short Sale

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The main thing to know when negotiating a short sale is that it’s always going to be priced somewhat below market if for no other reason than the fact the seller is looking for a quick sale. I recently had … Continue reading

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‘Short Sale’ Tips for Sellers

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Navigating Short Sales: What to Do When the Sale Price Leaves You Short If you’re thinking of selling your home, and you expect that the total amount you owe on your mortgage will be greater than the selling price of … Continue reading

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Repos, Short Sales, and Pre-Approval… What Every Buyer Needs to Know

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OK….this is it. 2012.  The year everyone says we will see more repos and ‘short sales’ than in 2010 or 2011. As bad as that sounds, it’s a huge opportunity for buyers. Unfortunately there are so many buyers who are … Continue reading

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What is a Short Sale?

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A ‘short sale’ occurs anytime the net proceeds from a sale of a home are less than the amount needed to pay out the mortgage and any other liens that might be against a property. What You Need to Know … Continue reading

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FOR SALE BY OWNER

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Are you thinking of selling your House For Sale By Owner? (FSBO) Marketing a house today is NOT the same as marketing it 10 years ago. Even if you did this once before, you have to do so much more than … Continue reading

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Closing Costs

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When planning to buy a home, most people save for their down payment, but give little or no thought to closing costs. . . or if a first time homebuyer, may not know what closing costs are. Closing costs are … Continue reading

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Buying a Home. . .

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       Buying a Home  . . .And Why You Should be Working with an ‘ABR’ Whether you are a first time homebuyer, or it’s been quite a few years since you bought your current home, buying a home may seem quite daunting. Well, sit … Continue reading

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Principle, Interest, PMI, Escrow – What’s it all About?

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Principle and Interest The first item on your house note will be the  Principle and Interest (P&I) calculation based on the original amount of your loan. Using a good Mortgage Calculator, simply plug in the current interest rate and the … Continue reading

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Pre-QUALIFICATION or Pre-APPROVAL?


What’s the difference??? There are three types of home-sales that require you to be Pre-Approved. REO’s (home foreclosures) Short Sales (sale price is lower than the sellers mortgage payout) ‘Relos’ (homes being sold by a seller’s relocation company) Add to that, ordinary … Continue reading

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Loan Pre-Approval – Who needs it?

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“If I’m not buying a repo or a ‘short sale’, why do I have to be pre-approved?”  The answer to this will quickly become obvious once you understand what it means to be a seller in today’s market. In fact, … Continue reading

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Besides loving the real estate profession, I love to share with home buyers  and sellers what I’ve learned… and continue to learn from each client, each transaction. This real estate blog site is designed to provide you with the latest real … Continue reading

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Mortgage Choices: FHA 203k? …or HomePath Loan?

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In this market, agents are quite often asked which is better… An FHA 203k or a Fannie Mae Homepath loan? The following is a reprint from a blog by Justin McHood who works for Academy Mortgage and is based in … Continue reading

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Can’t Afford Your Mortgage? Read on. . .

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Have you recently suffered a major financial loss and can no longer afford your house note? Have you already missed one or more payments and the mortgage company is stressing you out with harassing phone calls and letters? Do you … Continue reading

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203k Specialist

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I am proud to announce I have been awarded the real estate industrys prestigious 203k Specialist certification. By this certification, I am a member of, a nationwide organization of real estate, lending, and home improvement professionals working in partnership with Lowes, … Continue reading

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Joyce Albert, Realtor


  Why you need a Real Estate Consultant, not just another Agent. . . I am a full-time real estate professional. As such I will share with you in-depth knowledge of the local real estate market in order to help you … Continue reading

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Military Relocation Professional, New Orleans, LA

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SLIDELL REALTOR®, JOYCE ALBERT, EARNS HER MILITARY RELOCATION PROFESSIONAL (MRP) CERTIFICATION  Joyce Albert is a knowledgeable, masterful Real Estate Agent/Broker at Keller Williams Real Estate Professionals in Slidell, Louisiana. Slidell is situated on the north shore of Lake Pontchartrain in … Continue reading

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Who is a Likely Buyer for a ‘Bond for Deed’?


. . . an important question if you are the seller So many people with poor credit want to know if they can do a Bond for Deed. The short answer? NO ….at least not with my sellers. Although I am an advocate for … Continue reading

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Are There Really Great Bargains in Buying Foreclosures?

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Most people are under the assumption that all foreclosed homes are bargains. Well.  .  .  YES and NO YES  if you are looking for a home priced under market value.               NO  if you are looking for a home in super … Continue reading

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Testimonials

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 I’ve had the privilege to work with some wonderful clients. Included are letters from just  a few of them. . . . . It was a bumpy road, but so worth it!! My husband and I had been trying to … Continue reading

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401K Funds Used for a Down Payment


Reprint from The Mortgage Professors Website, April 19, 2004, Revised November 28, 2006, October 2, 2007, Reviewed April 10, 2011 —  © 2011 Mortgage Professor The cost of using funds in a 401K as down payment should be compared with … Continue reading

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Rehab a Home with HUD’s 203k Loan

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The following is a reprint courtesy of HUD.Cov, US Dept of Housing and Urban Development The Section 203(k) loan program is HUD’s primary program for the rehabilitation and repair of single family properties. As such, it is an important tool … Continue reading

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Do-It-Yourself Credit Repair

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Have you had a bankruptcy in the past? Had debts that went to ‘Collection” and were written off? Do you think because bill collectors don’t call anymore, it’s all forgotten? Wrong!!  Not only is it not ‘forgotten’, you have to … Continue reading

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