Attention: Buyers, Don’t Purchase A Home Until You See This Home By the Beach

Originally posted 2009-06-30 05:00:25. Republished by Blog Post Promoter

Have you dreamed of living near the beach all year?  Imagine owing a five bedroom and 2.5 bathroom home that your family can use as its permanent vacation home.  Just $45,000 gets you that dream and much more.   The address of this much see gem is 518 N. Miami Place Gary, IN 46403. 

 

List Price $45,000       518 N Miami Place Gary, IN 46403

 

 

Make your appointment today before it is gone.  Call Serena at 219 803 4489 or email her at taylorbrownrealestate@yahoo.com.

A Bankruptcy Does Not Have to End Your Credit Life

A bankruptcy does not have to end your credit life.  Did you know that you can apply for a mortgage after only four years if you file a Chapter 7, 11, or 12 bankruptcy and two years after a Chapter 13 bankruptcy?  However, to be eligible you must do certain very simple but important things.

First, you must re-establish your credit right away.

Secondly, send a copy of the discharge letter and list of creditors included in the bankruptcy to all three credit bureaus, and request that the bureaus update your credit report to show all creditors involved in the bankruptcy balance as zero and request the bureau to list all creditors involved in the bankruptcy.  By completing the latter it will demonstrate that the creditor is no longer owed.  Once this update is complete you should receive an updated copy of your credit report.

Once again, the three credit bureaus are:

• Experian
• Equifax
• Transunion

Do not give up on every purchasing a home just because life happened and you had to file a bankruptcy.  Just remember, that paying your rent on time for at least 24 months gives you alternative credit that may help you to be able to qualify to buy a home.

Still yet, paying your utilities, car insurance, cell phone bill, etc. on time are also alternative credit or industry termed alternate trade-lines of credit.

If you are interested in more tips similar to the tips above, then purchase and read, Dale Robyn Siegel’s new book, The New Rules for Mortgages.

She has 28 pages dedicated to help you improve or maintain your credit so you can purchase or refinance a home.  Purchase it today at a bookstore near you.

Related articles on bankruptcy

• Can unpaid consumer debt speed recovery? Don’t bank on it (dailyfinance.com)
• Corporate insolvency rate ‘will rise again’ warn experts (telegraph.co.uk)
• Asset Resolution LLC Files for Chapter 11 (netdocketsblog.com)
• CIT Group Files for Chapter 11 Protection (netdocketsblog.com)
• History of Credit Bureaus: Equifax, Experian, TransUnion & Innovis (bargaineering.com)
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• 5 Ways To Kill Your Credit Scores (creditra.blogspot.com)
• Bankruptcy dilemma: Will the real Ellen Tracy please stand up! (dailyfinance.com)
• Bankruptcies spike 33% (money.cnn.com)
• Bankruptcies in Canada decline 27 per cent (thestar.com)
• Debt Settlement Company Rivals Credit Counseling Debt Consolidation with Superior Debt Relief Benefit to Help Unemployment Victims Avoid Bankruptcy and Foreclosure (prweb.com)

Just Reduced 889 East 36th Place Gary, IN

Originally posted 2009-09-21 17:22:29. Republished by Blog Post Promoter

$6900

Buys you a 2 bedroom 1 bathroom home that just need a little TLC.  It features a full basement and garage make your appointment today.

Latest News on Short Sale

Latest news about short sales from around the blogosphere:

Real Hope for Short Sales or Just More Bank Spin?

The evidence seems to be a tripling of the number of short sales over the course of 2009, though, at 40000 transactions, it is still a pretty small number. …

Bank of America Goes to Equator for Short Sale Processing

I recently got word that Bank of America is switching the processing of it’s short sales to a company called Equator Financial Solutions; they were formally …

Taking a Look at the New Short Sale Guidelines

The buzz about town- in every town- is short sales. Next to foreclosures, it’s the hot topic on everyone’s lips in this market. A new government program has just been unveiled to ease the short sale process…..

Related articles on short sales

• Short sales now home market force. Really! (lansner.freedomblogging.com)
• Attempting a Short Sale Can Be Beneficial – Even If It Doesn’t Go Through (heidiwhite.com)
• [Finance]Short Sale Thinking Of Short Selling Your Property Tips Inside[7833] (slideshare.net)

No Relief From Property Taxes in Porter County, IN

Originally posted 2009-08-26 05:00:24. Republished by Blog Post Promoter

The news has come down from Indianapolis that there will be no adjustments to the assessed value due to trending. Trending is utilized by some states to account for property value increase or decrease.

It is unrealistic to think that a state that just converted to a market value assessment system could possible understand or have mastered the market value. It is equally unrealistic for a state to believe that trennding alone can account for the record drop in market value of all homes in Indiana and for that matter America.

Some areas’ values have dropped as much as 35 to 50 percent.

In addition, the market value assessment system is so new to the state that Porter county blames the new change and formula for their delaying in getting the assessment values completed.

It is time to take action citizens. File your appeals. Do not take this seating down.

Learn about the Buying Process (Video Series)

Originally posted 2009-01-20 19:11:27. Republished by Blog Post Promoter

Learn about the buying process through the purchase agrement.

If you are looking to purchase a home, email snorbrown@yahoo.com to get your free list of home for sale in Northwest Indiana and Chicagoland.

Loan Modification Latest News

There are mixed views of the results of whether the loan modification measure is working.   Therefore, here is the latest news in loan modification from around the blogosphere:

http://best-bankruptcy-lawyer.info/1038/loan-modification-the-solution-to-avoid-foreclosure-and-crisis/ Loan Modification -The Solution To Avoid Foreclosure and Crisis …</a><p>If you would like to get loan modification you should be in a difficult financial situation. It is the most important requirement

http://www.loanmodificationexpresshelp.com/5054/only-10k-permanent-loan-modifications-as-of-oct-newsday/ Only 10K permanent loan modifications as of Oct. (Newsday)</a><p>Report: Only 10000 borrowers completed loan modifications under Obama program through Oct.</p>

Loan modifications: Few become permanent

Almost 35000 troubled South Florida homeowners have gotten a mortgage loan modification under an Obama administration program designed to reduce foreclosures, but that’s less than 5 percent of the borrowers who need them. …

http://washingtonindependent.com/70484/obama-administrations-loan-modification-plan-falls-flat White House Loan Modification Plan Falls Flat « The Washington …</a><p>At the beginning of this year lenders on their own were doing far more more permanent loan modifications than the government has been able  to accomplish since rolling out its program in April, noted Diane Thompson, an attorney with the …</p>

Related Loan Modification Articles

• Mortgage Relief Plan Shows Weak Results (nytimes.com)

• Foreclosure filings fall 8 percent in November (seattletimes.nwsource.com)
• Few benefiting from mortgage relief (msnbc.msn.com)
• Foreclosures Are More Profitable Than Loan Modifications, According To New Report (huffingtonpost.com)
• Obama loan relief plan hits goal early (seattletimes.nwsource.com)
• Citi Calls for More Mortgage-Principal Forgiveness (online.wsj.com)

Weatherization Will Keep You Warm This Winter

The winter season has just began, but the winter natural gas rates and its increases are not far behind, so instead of allow those bills to drive you out of house and home contact the agencies below to find out if you qualify for weatherization of your home.

Both homeowners and renters are eligible for both programs.

Gary Neighborhood Services

300 W. 21st Ave., Gary

(219) 883-0431

Metro Corps of Gary Inc.

839 Broadway, Gary

(219) 886-3155

United Neighborhood Organizations – M.L. King Center

4802 Melville Ave., East Chicago

(219) 378-9810

United Neighborhood Organizations – Bessie Owens Center

4001 Alexander Ave., East Chicago

(219) 391-8478

Love Center

4619 Melton Road (U.S. 20), Gary

(219) 938-8085

Lake Station Center

275 E. 29th Ave., Lake Station

(219) 963-0261

Greater Hammond Community Services

824 Hoffman, Hammond

(219) 932-4800

Porter County Community Services

1005 Campbell St., Valparaiso

(219) 464-9736

Ross Township Trustee Office

24 W. 73rd Ave., Merrillville

(219) 769-2111

South Lake County Community Services Inc.

1450 E. Joliet, Suite 202, Crown Point

(219) 663-0627

You may be wondering what is weatherization and how does it keep you warm.  Weatherization consist of the windows, doors, furnace, attic, etc.  It is anywhere that unwanted air can get into the home.  When you use the furnace in the winter and your windows and doors are not properly sealed then you are letting money flow out the window.  The weatherization contractors come to your home and evaluate those items for you and with the help of a grant of up to 6500 per home they caulk leaking windows, weather strip doors, replace or repair a furnace, and/or insulate an attic or walls.

If your home is drafty or your NIPSCO bill is too high contact one the agencies to find out if you qualify for a savings on your NIPSCO bill of up to 500 to 600 dollars after work is complete.

Related articles by Zemanta

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• NATURAL GAS IN SHALE: THERE’S LOTS OF IT! “Just a few years ago, the industry didn’t have the tech… (pajamasmedia.com)

Indiana Property Tax Cap Vote on Tuesday

The first step in giving  Indiana citizens the right to determine how much property taxes will be paid in the state begins on Tuesday.    The Indiana House of Representative is voting on a cap of one percent of the assessed value for homeowners, two percent of the assessed value for investors, and three percent of the assessed value for business owners.    This vote is essential because if approved it will go to the Indiana Senate, and then to the public for a vote in 2010 to make it a permanent change to the state constitution.

With the approval of this groundbreaking measure, the residents will final be able to make local cities, towns, and municipalities responsible for wreckless spending that has been going on for decades.  No longer will there be endless amount of money on the back of the citizens of the state.

Related Articles that Oppose Unfair Taxes and the Like

• 2-tier property tax proposal unfair: economist (cbc.ca)
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• Poll: CA Voters Reluctant To Change State Budget Process (crooksandliars.com)
• Skelos to Paterson: Give us ‘a bill we can act on’ (timesunion.com)

10 Surprising Ways to Get Money From the Government Involving Real Estate

If you purchased your home using a HUD/FHA insured mortgage, you may be able to get a refund on part of the insurance premium.

To qualify for the refund, you must have purchased your home after September 1, 1983.  You can not be in default on your mortgage.  You also must have paid on that mortgage for seven years.

You can search HUD’s website at http://www.hud.gov/refunds/index.cfm your name or case number to find out if you are due a refund or write:

US Department of Housing and Urban Development

Post Office Box 23699

Washington, DC 20026

or call

800-697-6967

Did you know that the government and more importantly the IRS gives 70% tax credit for an investor that invest and owns low income housing?  To file visit http://www.irs.gov/pub/irs-pdf/f8586.pdf.

The IRS requires that the owner files the claim as part of his or her business credit.    There are, however, special requires for the owner to qualify.  The owner must completed Form 8609, and it  must be filed with the owner’s Federal income tax return.   In addition, the owner must file the Form 8609 for each of the 15 taxable years of the compliance period.   If the owner fails to file the proper forms  the compensation received will be treated as a mathematical or clerical error.  Therefore, if you feel that you qualify please review the rules for Form 8609.  Once you have reviewed and complied with the requires of Form 8609 then file it as required.

Still yet, did you know that you can get a ten percent credit from the IRS for fixing up building buildings built before 1936?  You will need to meet the requires listed on Form 3468.

If you are adventurous, then why not fix up a historic building for a twenty percent credit.  Once again, you will use Form 3468.

How Does Personal Grants Support Real Estate Ventures?

If you are US citizen looking forward to buy or construct a house or invest in property and real estate business,  the US Government is a source to give your dreams a reality. Investment in the real estate includes offices, hotels, land, …

$15000 Free is Available From Obama Government Grants For New …

3. Up to $275000 in grant money to enter the real estate market. While many eyes are focused on the negative aspects of the current recession, the Obama government is ready to spend $1 trillion in the next year in government grants for …

<a href=”http://cheapflatslondon.com/investing-in-real-estate-with-government-grants”>Investing in Real Estate With Government Grants</a><p>Not all people interested in real estate know that there are grants for real estate especially from the state and federal government. Billions of dollars are available as grants and there are many ways to put this money in to good use. …</p><a href=”http://www.docstoc.com/docs/1024408/Government-Grants”>Government Grants</a><p>Elderly and More Free Money for Housing and Real Estate Ventures Additional Sources for Money to Fix Up Your Home Foundation Grants For Foreign Individuals Other Small Business Administration Offices Most Frequently Asked Questions …</p>

<a href=”http://www.realestaterama.com/2009/11/19/home-headquarters-receives-100000-grant-from-neighborworks-america-to-help-strengthen-auburn-and-binghamton-communities-ID06270.html”>Home Headquarters Receives $100000 Grant from NeighborWorks …</a><p>Washington, DC – November 19, 2009 – (RealEstateRama) — NeighborWorks America today announced that it awarded a special $100000 grant to Syracuse-based.</p>

<a href=”http://newyork.realestaterama.com/2009/11/19/home-headquarters-receives-100000-grant-from-neighborworks-america-to-help-strengthen-auburn-and-binghamton-communities-ID0916.html”>Home Headquarters Receives $100000 Grant from NeighborWorks …</a><p>Washington, DC – November 16, 2009 – (RealEstateRama) — NeighborWorks America today announced that it awarded a special $100000 grant to Syracuse-based Home HeadQuarters, Inc.,  a member of the national NeighborWorks network, …</p><a href=”http://www.erierealestateblogs.com/my_weblog/2009/10/grant-to-remove-lead-paint-from-homes.html”>Grant to remove lead paint from homes – Erie Real Estate</a><p>More than 200 property owners in Erie County will benefit from a new $4 million federal grant to control the hazards of lead paint in homes. It’s being run by the city of Erie — but the offer is open…</p>

<a href=”http://pennsylvania.realestaterama.com/2009/11/24/congressman-fattah-awards-844000-in-affordable-housing-grants-gaudenzia-newcourtland-new-directions-for-women-and-pec-receive-funding-ID0294.html”>Congressman Fattah Awards $844000 in Affordable Housing Grants …</a><p>Philadelphia, PA – November 24, 2009 – (RealEstateRama) — Congressman Chaka Fattah (PA-02) today announced the awarding of $844176 in grants from the Federal Home Loan Bank of Pittsburgh (FHLBank) to four new affordable housing projects …</p>

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