Read the Whole article by
at Around the Home - Preparing House for Winter Goes Far to Make it More Energy Efficient
RISMEDIA, October 10, 2009-(MCT)-Every fall, we button up the house by cleaning and checking, fixing and sealing. Turns out that getting the house ready for winter isn't just a cold-winter thing-it's an eco-friendly thing, too. A tight house uses-and loses-less energy, requires fewer natural resources and produces less pollution. With just a bit of effort, you can make your fall house chores even greener. Here's how:Read more: Around the Home - Preparing House for Winter Goes Far to Make it More Energy Efficient
Dawn Barrier
Century 21 Aadvantage Gold
Las Vegas, Nv www.lasvegasdawn.com
Monday, October 12, 2009
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Dawn Barrier
Century 21 Aadvantage Gold
Las Vegas, Nv (702) 812-4550
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GOLF COURSE SHORT SALE IN LAS VEGAS - 1 Story Short Sale - Silverstone Ranch - Mountain Views
1 story SHORT SALE IN LAS VEGAS - 1 Story Short Sale - Silverstone Ranch - Mountain Views
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Century 21 Aadvantage Gold
Las Vegas, Nv
Homeowners Must overcome some of these fears in order to possible avoid foreclosure
Read the whole article by RISMEDIA, October 10, 2009 Overcoming Fear of Foreclosure Critical for Many People to Keep Their Homes
Homeowners must overcome some of these fears in order to possible avoid foreclosure.
Fear: Homeowners are afraid to let the mortgage company know they are having a problem because they think it will speed up the foreclosure process.
Contacting your lender is an important first step if you want to save your home from foreclosure. It provides you with an opportunity to explain why you have fallen behind on your payments and what steps you are taking to get back on track. Lenders have a financial interest in keeping you in your home and may be willing to alter the terms of your loan or devise a repayment plan. Fear: Homeowners believe that if their mortgage company has already turned them down for a loan modification, there is no point in contacting a counseling agency.
Many homeowners are turned down for a loan modification because the information they provide to their lender indicates that their expenses exceed their income or that they have not provided accurate documentation and information about their loan. In other cases, the lender may have made a processing error or the investor who owns the loan will not modify loans in accordance with the Making Home Affordable program.
A housing counselor may be able to suggest alternatives that better suit your current financial situation or help you make adjustments that make you a better candidate for a loan modification with your lender. Fear: Homeowners fear being judged by others for seeking help.
These are challenging financial times. While it may feel like you are the only one struggling, the reality is that many of your friends and neighbors are also finding it difficult to stay afloat. By seeking help, you will not only increase your chances of avoiding foreclosure, you may also serve as an inspiration to others. Fear: Homeowners think it is better to use all of their financial resources before seeking help.
Many homeowners try to ride out the financial storm, using their savings and depleting their retirement accounts before seeking help. By the time they do seek help, they are in an even more desperate financial situation and they have spent the resources that may have given them more options in dealing with their mortgage crisis. Fear: Homeowners facing foreclosure fear that their situation is hopeless.
For homeowners facing foreclosure, the feelings of hopelessness and despair can be overwhelming. While for some, seeking help may mean saving their home, it is inevitable that some homeowners will end up in foreclosure. A certified housing counselor can help homeowners work through the foreclosure and build a new path for long term financial success. Fear: Companies claiming they can save your home charge large, up-front fees.
You can receive counseling from a reputable, nonprofit housing counseling agency at no charge. While there are unscrupulous businesses looking to take advantage of homeowners, there are also many HUD-approved housing counseling agencies that offer help for struggling consumers.
For more information, visit http://www.cccsinc.org/.
Read more:
Another possible solution to foreclosures is to sell your home thru the Short Sale process SHORT SALE YOUR HOME
Dawn Barrier
Century 21 Aadvantage Gold
Las Vegas, Nv www.LasVegasDawn.com
Homeowners must overcome some of these fears in order to possible avoid foreclosure.
Fear: Homeowners are afraid to let the mortgage company know they are having a problem because they think it will speed up the foreclosure process.
Contacting your lender is an important first step if you want to save your home from foreclosure. It provides you with an opportunity to explain why you have fallen behind on your payments and what steps you are taking to get back on track. Lenders have a financial interest in keeping you in your home and may be willing to alter the terms of your loan or devise a repayment plan. Fear: Homeowners believe that if their mortgage company has already turned them down for a loan modification, there is no point in contacting a counseling agency.
Many homeowners are turned down for a loan modification because the information they provide to their lender indicates that their expenses exceed their income or that they have not provided accurate documentation and information about their loan. In other cases, the lender may have made a processing error or the investor who owns the loan will not modify loans in accordance with the Making Home Affordable program.
A housing counselor may be able to suggest alternatives that better suit your current financial situation or help you make adjustments that make you a better candidate for a loan modification with your lender. Fear: Homeowners fear being judged by others for seeking help.
These are challenging financial times. While it may feel like you are the only one struggling, the reality is that many of your friends and neighbors are also finding it difficult to stay afloat. By seeking help, you will not only increase your chances of avoiding foreclosure, you may also serve as an inspiration to others. Fear: Homeowners think it is better to use all of their financial resources before seeking help.
Many homeowners try to ride out the financial storm, using their savings and depleting their retirement accounts before seeking help. By the time they do seek help, they are in an even more desperate financial situation and they have spent the resources that may have given them more options in dealing with their mortgage crisis. Fear: Homeowners facing foreclosure fear that their situation is hopeless.
For homeowners facing foreclosure, the feelings of hopelessness and despair can be overwhelming. While for some, seeking help may mean saving their home, it is inevitable that some homeowners will end up in foreclosure. A certified housing counselor can help homeowners work through the foreclosure and build a new path for long term financial success. Fear: Companies claiming they can save your home charge large, up-front fees.
You can receive counseling from a reputable, nonprofit housing counseling agency at no charge. While there are unscrupulous businesses looking to take advantage of homeowners, there are also many HUD-approved housing counseling agencies that offer help for struggling consumers.
For more information, visit http://www.cccsinc.org/.
Read more:
Another possible solution to foreclosures is to sell your home thru the Short Sale process SHORT SALE YOUR HOME
Dawn Barrier
Century 21 Aadvantage Gold
Las Vegas, Nv www.LasVegasDawn.com
Wednesday, October 7, 2009
When to DISCLOSE a "Smelly" site? NORTH LAS VEGAS- Beazer Homes Sued over Pig Farm
When to DISCLOSE a "Smelly" site? NORTH LAS VEGAS- Beazer Homes Sued over Pig Farm This is an interesting article in the Las Vegas Sun
NLV homebuyers sue builder over pig farm odors This is the same pig farm that has been a feature of "Dirty Jobs" TV show. R.C. Farms, Inc., is a pig farm that has been in North Las Vegas since 1963 and in recent years there has been a lot of talk and complaints....but.....His farm has been there since 1963. Usually, when you get within a mile of the farm or, if you are driving in the area for any length of time.....You know it! There has been so much controversy over this farm and yes, I would not want to live to close as the smell is just too much,,,but it still goes back to the fact that the farm has been there since 1963. Buyers of a North Las Vegas home are suing a home builder, charging the company failed to disclose the presence of an area pig farm that is generating odors the homeowners say are unbearable. They say in the suit that under Beazer's development agreement with the city of North Las Vegas, it was required to obtain signed releases from prospective homeowners acknowledging the existence of the R.C. Farms pig farm and that the housing development may be subjected to odors from the farm. But the Riccis say Beazer didn't provide the required information about the farm and after they moved in and noticed the odor, they asked the Beazer sales person who sold them the home about the issue.
The sales person denied any duty to disclose the presence of the farm, reasoning it was too far away from the home to necessitate disclosure, the lawsuit says. Disclose, Disclose, Disclose.... we are always told this, but, "Directions calculated by mapquest.com indicate the farm is a 1.7-mile drive from the home"... so at what point will it be determined that a radius or distance of "X" amount of miles from a site that emits a "Smell", be it a pig farm, chicken farm or something else would make it necessary to disclose? Being from the south I've been around a lot of different type of farms and usually when you are within a half a mile of some farms,,,,you know it. We almost bought a home in Florida that was over 2 miles from a chicken farm....didn't know it on the 1st visit or the 2nd...but geez one more trip by the place and we knew it...Took a bit of driving around to locate the "source", but it definitely changed our minds about the place. Ok, maybe most buyers don't drive the area and go by 3 times,,,,Maybe you should! Just like the suggestion I make to buyers to drive the neighborhood after dark on Fri/Sat nights. It may not always be a guarantee of what an area is like, but sometimes it is. And, contrary to what buyers may think,,,,,your real estate agent doesn't know everything about every neighborhood,,,at least that is my opinion. We may become an "expert" on an area, but there are always things we may not know....(ok hope I don't get blasted by other agents for that) I know on a windy day (which happens all the time here) I have been in North Las Vegas near Alianta and I knew the smell in the air most likely was from the farm, could I prove it, not likely. So, if someone is buying in North Las Vegas anyplace East of Alianta, I now may need to say, "hey, do you know about the farm a few miles away,,no? well there is,,just so you know,, on a windy day you may notice a "smell",,,etc,,,, (or do I?) maybe I need to consider a written disclosure on it now.....Maybe, I could print out this blog and have them sign it as "disclosure"..LOL...
It will be interesting to hear the outcome.
NLV homebuyers sue builder over pig farm odors This is the same pig farm that has been a feature of "Dirty Jobs" TV show. R.C. Farms, Inc., is a pig farm that has been in North Las Vegas since 1963 and in recent years there has been a lot of talk and complaints....but.....His farm has been there since 1963. Usually, when you get within a mile of the farm or, if you are driving in the area for any length of time.....You know it! There has been so much controversy over this farm and yes, I would not want to live to close as the smell is just too much,,,but it still goes back to the fact that the farm has been there since 1963. Buyers of a North Las Vegas home are suing a home builder, charging the company failed to disclose the presence of an area pig farm that is generating odors the homeowners say are unbearable. They say in the suit that under Beazer's development agreement with the city of North Las Vegas, it was required to obtain signed releases from prospective homeowners acknowledging the existence of the R.C. Farms pig farm and that the housing development may be subjected to odors from the farm. But the Riccis say Beazer didn't provide the required information about the farm and after they moved in and noticed the odor, they asked the Beazer sales person who sold them the home about the issue.
The sales person denied any duty to disclose the presence of the farm, reasoning it was too far away from the home to necessitate disclosure, the lawsuit says. Disclose, Disclose, Disclose.... we are always told this, but, "Directions calculated by mapquest.com indicate the farm is a 1.7-mile drive from the home"... so at what point will it be determined that a radius or distance of "X" amount of miles from a site that emits a "Smell", be it a pig farm, chicken farm or something else would make it necessary to disclose? Being from the south I've been around a lot of different type of farms and usually when you are within a half a mile of some farms,,,,you know it. We almost bought a home in Florida that was over 2 miles from a chicken farm....didn't know it on the 1st visit or the 2nd...but geez one more trip by the place and we knew it...Took a bit of driving around to locate the "source", but it definitely changed our minds about the place. Ok, maybe most buyers don't drive the area and go by 3 times,,,,Maybe you should! Just like the suggestion I make to buyers to drive the neighborhood after dark on Fri/Sat nights. It may not always be a guarantee of what an area is like, but sometimes it is. And, contrary to what buyers may think,,,,,your real estate agent doesn't know everything about every neighborhood,,,at least that is my opinion. We may become an "expert" on an area, but there are always things we may not know....(ok hope I don't get blasted by other agents for that) I know on a windy day (which happens all the time here) I have been in North Las Vegas near Alianta and I knew the smell in the air most likely was from the farm, could I prove it, not likely. So, if someone is buying in North Las Vegas anyplace East of Alianta, I now may need to say, "hey, do you know about the farm a few miles away,,no? well there is,,just so you know,, on a windy day you may notice a "smell",,,etc,,,, (or do I?) maybe I need to consider a written disclosure on it now.....Maybe, I could print out this blog and have them sign it as "disclosure"..LOL...
It will be interesting to hear the outcome.
Monday, October 5, 2009
Centennial Hills Movies in the Park -Kids Love this! Monsters vs. Aliens-Oct. 9, 2009
Take the kids, chairs and blankets!
The city of Las Vegas will host a Movie in the Park, "Monsters vs. Aliens," for all ages at
8 p.m. Oct. 9 at Centennial Hills Park, 7101 N. Buffalo Drive.
People are invited to picnic and bring blankets or folding chairs.
For information, call 229-1087.
Centennial Hills Village of Centennial Springs Movies in the Park
MAP
Do you know of someone who is facing foreclosure, behind on their house payment and
they need to sell their home?
Please have them call me 812-4550, I do not charge any upfront fee for listing your home for sale
& you may be able to stay in your home longer. SHORT SALE - Preforeclosure Listing.
There is an alternative to foreclosure.
Email Dawn
Do you need to sell your Las Vegas Home?
Call me
(702) 812-4550
Dawn Barrier
Century 21 Aadvantage Gold
A Las Vegas Short Sale Agent Real Estate Professional
Certified Short Sale Professional
Dawn Barrier Email Dawn
Century 21 Aadvantage Gold
2 offices to serve your needs (North and South)
Las Vegas, Nv
(702) 812-4550My Website
My Blog
Copyright © 2009 Dawn Barrier. All Rights Reserved.
This article is of a general nature and is not intended to address any specific legal or ethical situation.
Images Copyright © 2009 Dawn Barrier. All Rights Reserved
The city of Las Vegas will host a Movie in the Park, "Monsters vs. Aliens," for all ages at
8 p.m. Oct. 9 at Centennial Hills Park, 7101 N. Buffalo Drive.
People are invited to picnic and bring blankets or folding chairs.
For information, call 229-1087.
Centennial Hills Village of Centennial Springs Movies in the Park
MAP
Do you know of someone who is facing foreclosure, behind on their house payment and
they need to sell their home?
Please have them call me 812-4550, I do not charge any upfront fee for listing your home for sale
& you may be able to stay in your home longer. SHORT SALE - Preforeclosure Listing.
There is an alternative to foreclosure.
Email Dawn
Do you need to sell your Las Vegas Home?
Call me
(702) 812-4550
Dawn Barrier
Century 21 Aadvantage Gold
A Las Vegas Short Sale Agent Real Estate Professional
Certified Short Sale Professional
Dawn Barrier Email Dawn
Century 21 Aadvantage Gold
2 offices to serve your needs (North and South)
Las Vegas, Nv
(702) 812-4550My Website
My Blog
Copyright © 2009 Dawn Barrier. All Rights Reserved.
This article is of a general nature and is not intended to address any specific legal or ethical situation.
Images Copyright © 2009 Dawn Barrier. All Rights Reserved
Where are all the Las Vegas REO's?
Interesting article by Rick Sharga or Realty Trac in RISMedia,,,,click below to read the whole article
Where Are All the REOs?
Foreclosure Fundamentals by Rick Sharga
RISMEDIA, October 5, 2009Read more: http://rismedia.com/2009-10-04/where-are-all-the-reos/#ixzz0T5P5AVGF It's a fair question. In normal market situations, a bank will repossess a home and usually process it through to a listing agent to put on the MLS within 30 days. In a relatively short period of time, virtually every marketable REO property finds itself listed for sale on the local MLS. Today, that's simply not the case; it's likely that between 450,000 and 500,000 properties repossessed over the past year are still not on the market. And with buyers hungry for housing bargains, and agents and brokers chomping at the bit ready to sell the properties, it begs for a reasonable answer. Lenders and servicers admit that it's taking longer to process REOs than it has in the past, and they offer a number of legitimate reasons: -Many of the properties have title issues that need to be resolved.
-Many of the properties are in states of utter disrepair.
-A number of states have strict redemption-rights periods, which prevents the lender from reselling the property.
-A few states have extended the length of eviction proceedings.
What else could be slowing things down? A popular theory is that many banks are holding the properties off the market in order to defer losses. There is some accounting logic to this theory, as in most cases, banks aren't required to adjust asset prices until the actual resale of the property. Another idea is that the industry is holding back the inventory to create leverage with the government in order to force the creation of a "toxic bank" or RTC-like entity that would buy the distressed assets at 50 to 60 cents on the dollar rather than the 30 to 35 cents available on the market today. This theory suggests that, seeing the threat of a massive inventory of distressed homes being released all at once, the government would "blink" rather than risk another housing market meltdown. Whatever the reason-process issues or conspiracies-we're going to continue to see record-breaking numbers of REOs for at least the next year, and we'll all be watching to see when these sought-after homes finally make their way to the market.
Rick Sharga is senior vice president at RealtyTrac
Read more: http://rismedia.com/2009-10-04/where-are-all-the-reos/#ixzz0T5PTGSbk
Where Are All the REOs?
Foreclosure Fundamentals by Rick Sharga
RISMEDIA, October 5, 2009Read more: http://rismedia.com/2009-10-04/where-are-all-the-reos/#ixzz0T5P5AVGF It's a fair question. In normal market situations, a bank will repossess a home and usually process it through to a listing agent to put on the MLS within 30 days. In a relatively short period of time, virtually every marketable REO property finds itself listed for sale on the local MLS. Today, that's simply not the case; it's likely that between 450,000 and 500,000 properties repossessed over the past year are still not on the market. And with buyers hungry for housing bargains, and agents and brokers chomping at the bit ready to sell the properties, it begs for a reasonable answer. Lenders and servicers admit that it's taking longer to process REOs than it has in the past, and they offer a number of legitimate reasons: -Many of the properties have title issues that need to be resolved.
-Many of the properties are in states of utter disrepair.
-A number of states have strict redemption-rights periods, which prevents the lender from reselling the property.
-A few states have extended the length of eviction proceedings.
What else could be slowing things down? A popular theory is that many banks are holding the properties off the market in order to defer losses. There is some accounting logic to this theory, as in most cases, banks aren't required to adjust asset prices until the actual resale of the property. Another idea is that the industry is holding back the inventory to create leverage with the government in order to force the creation of a "toxic bank" or RTC-like entity that would buy the distressed assets at 50 to 60 cents on the dollar rather than the 30 to 35 cents available on the market today. This theory suggests that, seeing the threat of a massive inventory of distressed homes being released all at once, the government would "blink" rather than risk another housing market meltdown. Whatever the reason-process issues or conspiracies-we're going to continue to see record-breaking numbers of REOs for at least the next year, and we'll all be watching to see when these sought-after homes finally make their way to the market.
Rick Sharga is senior vice president at RealtyTrac
Read more: http://rismedia.com/2009-10-04/where-are-all-the-reos/#ixzz0T5PTGSbk
Thursday, October 1, 2009
NEVER PAY a Mortgage payment to someone who comes to your door in Las Vegas, Nv or any other town !!
NEVER PAY a Mortgage payment to someone who comes to your door!!
I posted a blog...Freddie Mac hires Titanium Solutions, Inc. to Help Borrowers Complete Modification Applications
and it as well as some recent happenings prompted me to write this post... To minimize potential fraud by imposters, representatives will not be permitted to accept mortgage payments or any other money from borrowers...this is except from recent article about Freddie doing loan mods door-to-door Las Vegas has become known for having lots of scammers showing up at the door and calling people to try and get their $ by whatever tactic they can and there are still people falling for the scams and giving people money up front before they even check the person or company out. I recently had a couple ask me if they could give me their mortgage payment to turn into the bank...NO!!! Unfortunately, I have also been meeting a lot of people who have been scammed out of thousands of dollars by loan modification companys as well. NEVER PAY a Mortgage payment to someone who comes to your door!! Spread the word!
A Las Vegas Short Sale Agent Real Estate Professional
More about me...
SHORT SALE YOUR HOME NO UPFRONT FEE
A bit about me
Certified Short Sale Professional
Dawn Barrier Email Dawn
Century 21 Aadvantage Gold
2 offices to serve your needs (North and South)
Las Vegas, Nv
(702) 812-4550My Website
My Blog
Copyright © 2009 Dawn Barrier. All Rights Reserved.
This article is of a general nature and is not intended to address any specific legal or ethical situation.
Images Copyright © 2009 Dawn Barrier. All Rights Reserved.
I posted a blog...Freddie Mac hires Titanium Solutions, Inc. to Help Borrowers Complete Modification Applications
and it as well as some recent happenings prompted me to write this post... To minimize potential fraud by imposters, representatives will not be permitted to accept mortgage payments or any other money from borrowers...this is except from recent article about Freddie doing loan mods door-to-door Las Vegas has become known for having lots of scammers showing up at the door and calling people to try and get their $ by whatever tactic they can and there are still people falling for the scams and giving people money up front before they even check the person or company out. I recently had a couple ask me if they could give me their mortgage payment to turn into the bank...NO!!! Unfortunately, I have also been meeting a lot of people who have been scammed out of thousands of dollars by loan modification companys as well. NEVER PAY a Mortgage payment to someone who comes to your door!! Spread the word!
A Las Vegas Short Sale Agent Real Estate Professional
More about me...
SHORT SALE YOUR HOME NO UPFRONT FEE
A bit about me
Certified Short Sale Professional
Dawn Barrier Email Dawn
Century 21 Aadvantage Gold
2 offices to serve your needs (North and South)
Las Vegas, Nv
(702) 812-4550My Website
My Blog
Copyright © 2009 Dawn Barrier. All Rights Reserved.
This article is of a general nature and is not intended to address any specific legal or ethical situation.
Images Copyright © 2009 Dawn Barrier. All Rights Reserved.
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