Comments for Yuba-Sutter Grapevine http://yubasuttergrapevine.com helping You bring Your dreams to Life © Tue, 07 Feb 2012 00:41:29 +0000 http://wordpress.org/?v=2.2.1 Comment on How to Choose a Realtor® by Vickie Champion http://yubasuttergrapevine.com/2011/03/16/how-to-choose-a-realtor%c2%ae/#comment-1517 Vickie Champion Wed, 23 Mar 2011 00:44:38 +0000 http://yubasuttergrapevine.com/2011/03/16/how-to-choose-a-realtor%c2%ae/#comment-1517 You touched on an interesting point when you said that people like to do business with someone they like. Oddly enough most people don’t think about using their intuition or gut instincts when deciding on a real estate agent. If we tap into our intuition, it can help us avoid a long drawn out painful situation and provide us with an experience that is easy and fun. You touched on an interesting point when you said that people like to do business with someone they like. Oddly enough most people don’t think about using their intuition or gut instincts when deciding on a real estate agent.

If we tap into our intuition, it can help us avoid a long drawn out painful situation and provide us with an experience that is easy and fun.

]]> Comment on Homebuyer Tax Credit: How to Claim It by homebuyer http://yubasuttergrapevine.com/2011/01/07/homebuyer-tax-credit-how-to-claim-it/#comment-878 homebuyer Fri, 07 Jan 2011 07:52:55 +0000 http://yubasuttergrapevine.com/2011/01/07/homebuyer-tax-credit-how-to-claim-it/#comment-878 The term first time home buyer refers to anyone who is buying their first property. This group is usually dominated by younger people who have little or no experience of owning and maintaining a property. As a result they are often unable to make a complete and balanced decision about this long term commitment.To learn more: <a href="http://www.firsttimehomebuyercredittips.com" rel="nofollow">Home credit tips</a> The term first time home buyer refers to anyone who is buying their first property. This group is usually dominated by younger people who have little or no experience of owning and maintaining a property. As a result they are often unable to make a complete and balanced decision about this long term commitment.To learn more:

Home credit tips

]]> Comment on Are Big Real Estate Companies Headed the Way of T-Rex? by Chuck Buerki http://yubasuttergrapevine.com/2011/01/04/are-big-real-estate-companies-headed-the-way-of-t-rex/#comment-857 Chuck Buerki Tue, 04 Jan 2011 02:01:58 +0000 http://yubasuttergrapevine.com/2011/01/04/are-big-real-estate-companies-headed-the-way-of-t-rex/#comment-857 Fortunately or unfortunately most people favor the implied security of dealing with a large brand which puts most of the independent brokers at a disadvantage. Fortunately or unfortunately most people favor the implied security of dealing with a large brand which puts most of the independent brokers at a disadvantage.

]]> Comment on 10 Real Estate Predictions for 2011 by Chuck Buerki http://yubasuttergrapevine.com/2010/12/23/10-real-estate-predictions-for-2011/#comment-748 Chuck Buerki Thu, 23 Dec 2010 04:51:03 +0000 http://yubasuttergrapevine.com/2010/12/23/10-real-estate-predictions-for-2011/#comment-748 Good Stuff. Good Stuff.

]]> Comment on The Home Value Scene is Looking Better by Chuck Buerki http://yubasuttergrapevine.com/2010/12/16/the-home-value-scene-is-looking-better/#comment-708 Chuck Buerki Fri, 17 Dec 2010 22:36:55 +0000 http://yubasuttergrapevine.com/2010/12/16/the-home-value-scene-is-looking-better/#comment-708 In one of your posts you mention the word, "affordability". Since I believe that success is really finding a solution based on numbers I've taken the liberty to do some math on what it should take to afford a home at a sales price of $200K. This seems to be the most obvious # I see on Realtor.Com for this area for a house that can accomodate a small family. Sales Price = $200,000 20% Down = 40,000 Loan = 160,000 Closing = 2,500 Loan + Close = 162,500 5% @ 30 Yrs = 872.34 monthly pmt Prop Tx @1.25%= 208.33 Monthly Homeowners Ins. 75.00 Monthly Utilities Est 200.00 Monthly Ttl Shelter = 1,355.00 Monthly @30% of income to make the $1,355. shelter cost this buyer needs $4,516 of income per month, which is $54,200 per year. The next step would be to identify which jobs in this area pay those numbers, and whether those jobs are increasing or decreasing and at what rate to determine where the market will end up. And that's one person's opinion on the subject. Chuck In one of your posts you mention the word, “affordability”. Since I believe that success is really finding a solution based on numbers I’ve taken the liberty to do some math on what it should take to afford a home at a sales price of $200K. This seems to be the most obvious # I see on Realtor.Com for this area for a house that can accomodate a small family.

Sales Price = $200,000
20% Down = 40,000
Loan = 160,000
Closing = 2,500
Loan + Close = 162,500
5% @ 30 Yrs = 872.34 monthly pmt
Prop Tx @1.25%= 208.33 Monthly
Homeowners Ins. 75.00 Monthly
Utilities Est 200.00 Monthly
Ttl Shelter = 1,355.00 Monthly

@30% of income to make the $1,355. shelter cost this buyer needs $4,516 of income per month, which is $54,200 per year.

The next step would be to identify which jobs in this area pay those numbers, and whether those jobs are increasing or decreasing and at what rate to determine where the market will end up. And that’s one person’s opinion on the subject.

Chuck

]]> Comment on Forensic Loan Audits – New State Legislation by Michael McFarlane http://yubasuttergrapevine.com/2010/10/25/forensic-loan-audits-%e2%80%93-new-state-legislation/#comment-707 Michael McFarlane Fri, 17 Dec 2010 21:00:48 +0000 http://yubasuttergrapevine.com/2010/10/25/forensic-loan-audits-%e2%80%93-new-state-legislation/#comment-707 You are quite right Storm. This is not a new problem. I simple pointed ot that the State has published new laws regarding it. Thank you for reading, and I hope you find more that catches your interest. Michael McFarlane You are quite right Storm. This is not a new problem. I simple pointed ot that the State has published new laws regarding it.

Thank you for reading, and I hope you find more that catches your interest.

Michael McFarlane

]]> Comment on The Home Value Scene is Looking Better by Michael McFarlane http://yubasuttergrapevine.com/2010/12/16/the-home-value-scene-is-looking-better/#comment-705 Michael McFarlane Fri, 17 Dec 2010 20:38:08 +0000 http://yubasuttergrapevine.com/2010/12/16/the-home-value-scene-is-looking-better/#comment-705 Thank you Chuck. Your words of encouragement are appreciated. Yes, the market has been difficult to forecast with any accuracy lately. It is our belief that, as painful as it is, the healing process has begun. If you read back over some of the older posts you can actually see this process happening. I will endeavor to keep the posts here current and relevant to our local market. And it will always be news about the market; NOT A SALES PITCH! Please tell your family, friends, and business acquaintances. Your recommendation is the highest praise I could receive. And I welcome comments, discussions, and even criticism if suitable for our readership. Michael McFarlane Thank you Chuck. Your words of encouragement are appreciated.

Yes, the market has been difficult to forecast with any accuracy lately. It is our belief that, as painful as it is, the healing process has begun. If you read back over some of the older posts you can actually see this process happening.

I will endeavor to keep the posts here current and relevant to our local market. And it will always be news about the market; NOT A SALES PITCH!

Please tell your family, friends, and business acquaintances. Your recommendation is the highest praise I could receive. And I welcome comments, discussions, and even criticism if suitable for our readership.

Michael McFarlane

]]> Comment on The Home Value Scene is Looking Better by Chuck Buerki http://yubasuttergrapevine.com/2010/12/16/the-home-value-scene-is-looking-better/#comment-703 Chuck Buerki Fri, 17 Dec 2010 19:56:45 +0000 http://yubasuttergrapevine.com/2010/12/16/the-home-value-scene-is-looking-better/#comment-703 Michael, Was nice to be able to chat with you last night at the chamber holiday event. I wrote down the name of this blog-site you publish and I'm impressed. I've considered creating a blog but when I look at the work, energy, and commitment involved I suddenly lose interest. I'm impressed what you are doing and it's a fresh approach to some serious issues we all face when dealing with the fickleness of the real estate marketplace. Best, Chuck Michael, Was nice to be able to chat with you last night at the chamber holiday event. I wrote down the name of this blog-site you publish and I’m impressed. I’ve considered creating a blog but when I look at the work, energy, and commitment involved I suddenly lose interest. I’m impressed what you are doing and it’s a fresh approach to some serious issues we all face when dealing with the fickleness of the real estate marketplace.

Best,

Chuck

]]> Comment on Forensic Loan Audits – New State Legislation by Storm http://yubasuttergrapevine.com/2010/10/25/forensic-loan-audits-%e2%80%93-new-state-legislation/#comment-423 Storm Tue, 26 Oct 2010 12:13:49 +0000 http://yubasuttergrapevine.com/2010/10/25/forensic-loan-audits-%e2%80%93-new-state-legislation/#comment-423 Mortgage Fraud Examiners exposed this problem of bogus forensic loan audits over a year ago in a press release: "Beware of the Latest Foreclosure Rescue Scam—Forensic Loan Audits." http://www.docstoc.com/docs/51628348/Beware-of-the-Latest-Foreclosure-Rescue-Scam--Forensic-Loan-Audits Mortgage Fraud Examiners exposed this problem of bogus forensic loan audits over a year ago in a press release: “Beware of the Latest Foreclosure Rescue Scam—Forensic Loan Audits.” http://www.docstoc.com/docs/51628348/Beware-of-the-Latest-Foreclosure-Rescue-Scam–Forensic-Loan-Audits

]]> Comment on Hello world! by Mr WordPress http://yubasuttergrapevine.com/2008/11/17/hello-world/#comment-1 Mr WordPress Mon, 17 Nov 2008 23:07:09 +0000 http://yubasuttergrapevine.com/2008/11/17/hello-world/#comment-1 Hi, this is a comment.<br />To delete a comment, just log in and view the post's comments. There you will have the option to edit or delete them. Hi, this is a comment.
To delete a comment, just log in and view the post's comments. There you will have the option to edit or delete them.

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