Why Hire a Realtor?

The weekend is once again behind us and we are well into our dreaded Monday! I personally find that Monday is much like every other day.....but that is because I don't have to get up and go to "work" in the corporate world. Thank goodness! I love being able to work from home, meet new people, and make dreams come true. I just wish it was as easy as it sounds!! I love when I talk to people who are going to become a Realtor! I think that  they have the impression that we make all kinds of money, sip coffee or soda (or whatever) by the pool, and a couple times a week we show a house, sell it and make all kinds of money! Well, let me tell how it really goes!! I work about 80 to 90 hours a week. WHAT you say? Doing WHAT? Let me tell you.....marketing properties I have listed, marketing properties I want listed, marketing areas we want buyers and sellers, and marketing myself. Okay with the marketing done, I then market and manage my websites to insure that all the information is up-to-date and accurate. I blog to keep my buyers and sellers and everyone informed on what is going on in the market! Phew it is now 7:30 am and my day is just started!!! My list of my days are long and I answer emails all day and most of the night! I, as most full time Realtor, are eating, sleeping, and dreaming real estate! This job can be so rewarding, challenging, and frustrating! So the next time you hear someone say that hiring a Realtor is a waste of money, you can know that we are truly underpaid for the hours we work!

I tell all my buyers that I work for them FOR FREE! I find them the right home, negotiate contracts, inspections, work with the lender, title companies, and so on to insure that the buyer is getting the best value for their money.

As for sellers, I want them to know that the 6% (this % may vary) we receive from them for selling their home I want to tell you how I break this down: 

3% - goes to the buyers agent - they work hard and deserve to be paid.

2.5% - goes towards marketing materials- fliers, single property websites, my website, craigslist, Trulia, homes.com, Realtor.com, FaceBook, Twitter, LinkedIn, open houses, Yard signs, Strategic MLS Inputs, Mass Email blast,Realtor fees, dues, and brokers fees and finally my taxes.

.50% -  is what I pay myself.

So if you are thinking of selling your house yourself......I might be worth sitting down with a Realtor and let them deal with the contracts and marketing of your home, in all reality if you are only going to save yourself .5% of the total sale of your home! 

If you are thinking of buying or selling a home, please call me today at 480-275-9566 or check out my website at www.sellingazwithrebecca.com

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Don't pass up these interest rates.

Happy Thursday morning! I am not going to go deep this morning, but I did want to make sure that I let everyone know that we still have AMAZING interest rates! We are selling loans. People are able to get loans on homes. I have been hearing so many people that are miss informed about buying a home. Just 2 days ago, a lady called me and made the comment that she wanted to buy a home but she had a bankruptcy on her record and she couldn't buy a home for 4 to 5 years after...WRONG! It is only 2 yrs. So if you have questions on if you are able to buy a home, don't hesitate to call, text or email me any questions. Many of you are able to buy a home, even if not right now, SOON!

Call/text me at 480-275-9566, email: rebeccakallhoff@gmail.com or check out my website at www.sellingazwithrebecca.com

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FHA - There are some changes

Wow it is Wednesday already...Where has the week gone? We are half way to the weekend! And here in the Valley it looks like we might have a nice weekend in the forecast. I think it is a perfect weekend to buy or sell a home!! Really I have been seeing so many emails about FHA changes that I wanted to share some with you. Some are good, some are not as good, but in the long run if you can qualify to buy a home it is GREAT. Owning a home has so many benefits, such as tax breaks and creating wealth. Okay, back to FHA financing.....the change that is positive for many buyers is that they are now allowing some negative accounts on the credit to not affect if you can get a loan. In short, if you have some small charges are negative on your account and are over 2 years old, you may not have to settle them before you buy a home! Good news if there are a couple of small things on your credit.....YOU are possibly ready to buy!! Let me know if you want more information on many of the lending programs that are available to you. We have USDA - NO money down programs, FHA - 3.5% down, Conventional - 5% - 20% down, Hard Money loans - (if you have had a foreclosure or short-sale only 1 year ago),...

Call or text me today at 480-275-9566 or text 90210 and in the message line put in "sellingaz" to get responses! OR check out my website at www.sellingazwithrebecca.com

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NAR: REO Rental Programs Largely Unnecessary

I found this article interesting......The government wants to be a landlord??? What do you think?

NAR: REO Rental Programs Largely Unnecessary

DAILY REAL ESTATE NEWS | FRIDAY, MARCH 02, 2012

Housing markets are complex and varied, and a government pilot program to turn bank-owned properties into rentals could be disruptive and counterproductive in some markets, according to the National Association of REALTORS®.
NAR urges the Federal Housing Finance Agency (FHFA) to proceed cautiously with its Real Estate-Owned (REO) Initiative pilot program to sell homes repossessed by government agencies to private investors to convert into rental units.
“REALTORS® support efforts to reduce the high inventories of foreclosures, but all real estate is local and we are concerned that REO-to-rental programs are not necessary in some areas and could even hinder the recovery,” NAR President Moe Veissi said. “In many communities REOs are already moving well through the normal processes, so we urge caution when proceeding with a rental program.”
According to a recent NAR analysis, while the overall visible inventory of foreclosures has been trending down across the country, there is a noticeable difference in foreclosure inventories in states that require judicial proceedings to foreclose on a property versus inventories in states that do not require the court’s intervention. Foreclosure inventories in judicial states are currently 2.5 times higher than non-judicial states. In addition, the disposition of foreclosure inventories is considerably faster in non-judicial states, where foreclosure sales rates are four times higher than in judicial states.
“Inventories of condos and single-family homes for sale continuously fell last year, suggesting that there is no significant oversupply of visible foreclosure inventory in the market,” NAR Chief Economist Lawrence Yun said. “Even the shadow inventories of distressed homes have fallen, though they remain elevated and are an ongoing concern. The government REO-to-rental plan could work in areas where buyers are not quickly absorbing the shadow inventory.”
To prevent further increases in foreclosure inventory, NAR has repeatedly called for improved lending to creditworthy home buyers and have urged lenders to make more loan modifications, mortgage refinancings, and short sales, which will help stabilize struggling housing markets.
“While REO-to-rental programs could be successful in a few communities, we believe that doing more to ensure mortgage availability for qualified home buyers and investors could be even more beneficial in helping absorb excess foreclosure inventories across the country,” Veissi said.
NAR urges that a national advisory board be created to ensure that current and future REO-to-rental pilot programs truly benefit the local community, minimize taxpayer losses and stabilize home values, and suggests substantial participation of local market experts, especially licensed real estate professionals, who have unparalleled knowledge of local market conditions.

Call or text me at 480-275-9566 or email me at rebeccakallhoff@gmail.com or check out all my blogs at www.sellingazwithrebecca.com

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Whats new this week in Interest?

Mortgage bond prices fell this week, which pushed mortgage interest rates higher.  Rates were positive the beginning of the week following reports that European leaders must do more to stabilize their economies.  Concerns emerged that the UK has “run out of money” according to Chancellor George Osborne.  Higher than expected Q4 gross domestic product data, lower than expected weekly jobless claims, and strong stocks pressured rates considerably higher Wednesday afternoon and Thursday morning.  Weaker than expected personal income and outlays data helped stem some of the losses but not enough. 

There are also some new changes on the FHA loans, so if you want to know more call or text me today at 480-275-9566 or email me at RebeccaKallhoff@gmail.com or check out my website for more news at www.sellingazwithrebecca.com

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Number of Underwater Home Owners Grows

DAILY REAL ESTATE NEWS | FRIDAY, MARCH 02, 2012

Nearly 23 percent of home owners owe more on their houses than they are currently worth, according to new data from the last three months of 2011 released by CoreLogic.
More specifically, the number of underwater home owners rose slightly from 22.1 percent in mid-2011 to 22.8 percent by the end of last year.
"When they're upside down, borrowers may be current on their payments but they're more vulnerable to economic storms — like job losses — that could tip them over into default," says Sam Khater, senior economist at CoreLogic.

About 8 percent of underwater home owners have already lagged on their mortgage payments.

Source: “Underwater Borrowers Are on the Rise,” CNNMoney (March 1, 2012)


For more information on what the options are if you are underwater, call, text, or email me today. 480-275-9566 or email rebeccakallhoff@gmail.com or check out my website at www.sellingazwithrebecca.com

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