You have an App for that?
February 28, 2010 by admin
Filed under Real Estate
Should I get a Home Inspection?
February 2, 2010 by admin
Filed under Buyers, Real Estate
Another question that is asked quite often is whether or not they should get a Home Inspection, even when a home is fairly new. Now my answer is: Yes, You should always
get an inspection.
There are times that homes look like things are ok, but sometimes things are suttle and you may not see it. An inspector can and will inspect every part of the home.
Home Inspections: Borrowers are encouraged to obtain a detailed home inspection of the property. Borrowers should research home inspector’s qualifications and designations to ascertain that they feel comfortable with the individual they hire. HUD does not maintain lists of approved Home Inspectors.
Jeannette Neerpat
Helping You Find Your Way Home!
Realtors & Homeowners – Get a First Line of Defense with a Held Harmless Membership Shield
February 2, 2010 by admin
Filed under Real Estate, Sellers
A really good friend of mine asked that I spread the word around about this company and she stands by them. So I am reposting it here and will be checking it out myself.
You can find the orginial post on her site GoListing.com or by clicking here
by golisting
February 2, 2010
A Held Harmless Membership Shield is a product that everyone needs to sit up and take notice of and it’s probably the best $50 (Individuals) or $100 (Businesses) that you will spend this year. We bought shields for ourselves and our businesses for 2010 and have gained peace of mind as a result.
So what does Held Harmless do? As their website says, “HELD HARMLESS lawfully shields you, your family and your business from insurance claims, lawsuits or other similar actions and prevents you from having to file them, face them or financially defend them”.
Now that is a great idea! …especially with the escalating cost of insurance rates continually increasing year after year, along with the dreaded fear of getting sued or perhaps having an insurance claim filed, so leave it to someone to come up with a clever, compelling product, and a cost effective solution that everyone should consider buying, especially us Real Estate Agents, Home Owners and clients, either looking to buy Real Estate or list their homes for sale.
Consider for a moment the impact that this product can have when you think of the thousands of dollars we all spend on insurance policies, claims, having to pay insurance deductibles or perhaps having to retain an Attorney to defend us individually or our business from a lawsuit, and our assets still aren’t protected.
So what problem is Held Harmless specifically solving?
A Held Harmless membership & shield prevents and protects us, as individuals as well as our businesses, from insurance claims and lawsuits before they happen, not afterwards. We can shield our homes, family, business and assets from legal or financial disaster, as well as from frivolous lawsuits and for a lot cheaper than a typical insurance policy quote.
So how does Held Harmless do it?
“HELD HARMLESS’ strength comes from the ability to “prevent and shield” by publishing a national “legal warning” and “caution” known as National Legal Public Notice. This lawful practice of putting someone on notice by publication is legally known as “constructive notice”.
As their website states: “State and federal laws require you to clearly post, display, publish or disseminate your constructive notices to be considered “held harmless” from legal claims. These notices must (by law) be physically served, clearly visible, or properly published to be enforceable in a court of law.
It is for these reasons that HELD HARMLESS combines our product into a “membership” format. “Legal Notice by Publication” (constructive notice) requires that the general public has free access and abundant knowledge of a legal notice to be binding and acceptable as a lawful defense.
As a result, each and every Individual or Business Membership to HELD HARMLESS represents the lawful dissemination, publication, broadcast, distribution and delivery of your legal notices to the National General Public (each and every person – 24 hours a day and 7 days a week) which keeps you or your business “held harmless” from losses, injuries or damages sustained by others.
So how do you get a Held Harmless Membership and Shield as a First Line of Defense?
That’s exactly what we said ourselves when we first heard about their product!
Just visit www.HeldHarmless.com to learn more. It’s that easy.
Tell them Gia & Grant sent you
Proud members of HeldHarmless.com, Real Estate Brokers with GoListing.com, Inc, and founder of www.RealSeekr.com
GoListing.com, Inc is a Licensed Real Estate Brokerage serving Real Estate Buyers & Sellers in Boca Raton, Highland Beach, Delray Beach, Hillsboro Mile, Boynton Beach and more.
Disclaimer: For legal advice pertaining to any specific legal matter of any kind, please consult an attorney
Which Is Better: Fixed Rate Mortgage Or Adjustable Rate Mortgage?
February 1, 2010 by admin
Filed under Buyers, Real Estate
People often assume that because adjustable-rate mortgages “share risk” between mortgage lender and mortgage lendee, they will be rewarded with a lower mortgage rate than if they chose a comparable fixed-rate mortgage.
The chart at the left proves that thinking false.
Three separate times since mid-September, 5-year ARMs priced worse than a similar 30-year, fixed rate mortgage. It’s atypical, but it does happen from time to time.
And it’s also why locking mortgage rates is like running a Peyton Manning offense — you can’t call a play until you’ve stepped to the line and studied what’s on the other side of the ball.
Before settling on a specific mortgage plan, remember that mortgage markets change daily and mortgage rates change every 3 hours, 11 minutes. A 5-year ARM may look cheaper in the morning, but by the afternoon, it could be losing out to the 30-year fixed and — all things equal — it’s better to take that fixed-rate mortgage at a lower rate if it’s available.
Jeannette Neerpat
Helping You Find Your Way Home!
$8,000 Tax Credit News
February 1, 2010 by admin
Filed under Real Estate
The popular $8,000 tax credit for first-time home buyers. Originally scheduled to expire on November 30th, 2009, this valuable tax credit of up to 10% of the purchase price or up to $8,000 was extended into 2010 (purchase agreements must be signed by April 30, 2010, and closings must be final by June 30, 2010).
What people don’t know is that the new program was also expanded to include a tax credit of up to $6,500 (or up to 10% of the purchase price) for qualified buyers of a second or “replacement” home under the same deadlines. To qualify, home purchasers must have owned and occupied a primary residence for five consecutive years during the last eight years. Most importantly, the new program significantly increases previous income requirements.
So if you are a first time homebuyer or looking to upgrade your home by buying another one, the tax credit will apply. Give me a call to talk about what options you may have.
Jeannette Neerpat
Helping You Find Your Way Home!
Questions about FHA Guidelines
February 1, 2010 by admin
Filed under Buyers, Real Estate
I was out with buyers this weekend and one of the homes they like had missing appilances. One of the questions they had is whether or not they would be able to put in an offer with this home considering it was missing them. I had been under the impression that you couldn’t purchase a home with an FHA loan without the appliances.
So I told them let me do a little research on it. And as it turns out I was wrong and I would be the first person to admit when I am wrong. So I decided to go ahead and post the answer here, just in case someone else had the same question.
Now I have decided to go ahead for the next few days to post some question and answers to some FHA guidelines.
Appliances: The Valuation Protocol (page D-26 of Appendix D, Handbook 4150.2) requires the appraiser to note the appliances that are present in the home at the time of inspection and whether the appliance is considered personal property or part of the real estate. The protocol further directs the appraiser to treat non-functioning appliances/equipment as deferred maintenance in the valuation process.
The manner in which an appliance is attached to the dwelling would determine whether or not an appliance should be considered part of the real estate. In some real estate markets, it may be typical and customary for certain appliances to convey with the real estate. In these situations, those appliances should be considered real estate and treated as such in the valuation of the property.
In some cases, such as that of REO properties, all or some of the appliances may be missing and there may be damage to the floor, wall or ceiling finish as a result of the removal. Depending upon the magnitude of the damage, the appraiser is expected to treat the damage to the home as deferred maintenance and reflect such in the conclusion of value. Missing appliances must be addressed by the appraiser in the valuation process, particularly when the comparable sales included a full complement of working appliances.
In cases where appliances are missing and minor repairs may also be needed, lenders are encouraged to have the borrower take advantage of the Streamlined 203(k) loan product, which has no minimum repair cost threshold and is designed to cover such improvements/replacements.
Jeannette Neerpat
Helping you Find Your Way Home!
Florida Asbestos Awareness, Green Alternatives & Healthy Tips
January 29, 2010 by admin
Filed under Buyers, Real Estate, Sellers, Tamarac
Florida Asbestos Awareness, Green Alternatives & Healthy Tips
When embarking in the home buying process, there are many things to consider. Many new homes may need to be remodeled or repaired. Many homes may need inspections, repairs or renovations, especially in areas that are susceptible to natural disasters. Having the assistance of an experienced and reliable Coral Springs, FL real estate agent can make this process easy and stress free.
It is important to take note of the consequences of older building materials whose qualities not only harm the environment, but can create health concerns. Building green will have profound impacts in many facets of life. The adaption of green building and alternative energy solutions will play an important role in the transformation to a healthier and sustainable world.
Asbestos
Highly utilized more than a century ago, asbestos is a fibrous mineral that was used heavily in building and construction applications. Its flame resistant and highly durable qualities made it an ideal choice for manufacturers. Asbestos normally appeared as insulation for piping, roofing, siding and flooring in homes. Many homes or buildings built prior to 1980 may still contain asbestos materials. This fact should not make you overly worried because exposure to asbestos can be easily avoidable by taking simple precautions.
Healthy Tips
It must be noted that not all asbestos poses health risks. Asbestos that is disturbed or damaged due to age is known as “friable” asbestos. This is a concern because its toxic fibers can easily circulate and become inhaled. If any suspected asbestos is located, the best advice is to leave it alone. If you are having home renovations, performed, do not panic. Again, asbestos that is left un-disturbed will normally pose no threat.
If asbestos needs to be removed, it should be performed by licensed abatement contractors. These contractors are trained in the handling and disposal of asbestos in public facilities and homes.
The inhalation of airborne asbestos fibers can result in the development of related illnesses such as asbestosis and mesothelioma. Diagnosis by doctors has been a difficult task because symptoms are so similar to other, less serious conditions. Mesothelioma compensation has become tough to predict for victims and their families because diagnosis can take 20-50 years. For this reason, many people refer to it as a silent killer.
Florida Going GREEN
Implementing green methods of building can have positive environmental, health and economic benefits. These include:
- Conservation of natural resources
- Enhance air quality and protect ecosystems
- Energy sustainability
- Increase property value
- Improve quality of life
- Improvement of pulmonary and cardiac health
- Reduce waste
Environmental efficiency is on the rise because of technology and green sustainable methods progressing rapidly. Not only will these methods produce a healthier lifestyle, it will save you money! The Department of Energy concluded that cooling and heating counts for up to 50-70 percent of all energy used in the average home in the U.S. In today’s state, this philosophy can also save natural resources.
Environmentally sustainable insulations are made from recycled materials including cellulose, polyurethane foam and cotton fiber. Cotton fiber is made from recycled batted material and treated to be fireproof. A water based spray polyurethane foam, lcynene features no toxic components. The implementation of these eco-friendly products can reduce annual energy costs in the household by 25 percent annually.
Butterflies
December 26, 2009 by admin
Filed under Real Estate
A butterfly landed on my purse at the butterfly museum in Key West. I even walked around with it for a few minutes.
My kids were so excited about it, but at the same time they were upset that none landed on them.
Sent from my iPhone
Jeannette Neerpat e-PRO Realtor
(954) 993-4104
www.Neerpat.com
Posted via email from jneerpat’s posterous
Look at what Target is doing!
December 18, 2009 by admin
Filed under Real Estate
I walked into Target this morning to pick something up and all these bikes were lined up. At first I thought they were for sale. But as it turns out they are donating them to a charity for the kids.
There are over 100 there and they were still bringing more. How great is that?! Jeannette Neerpat
Sent from my iPhone
Jeannette Neerpat e-PRO Realtor
(954) 993-4104
www.Neerpat.com
Posted via email from jneerpat’s posterous
Tamarac Youth Soccer Schedule
December 10, 2009 by admin
Filed under Real Estate
|
Week |
Date | Time | Home | Away |
| 1 | 12/12/08 | 9:00am | Cameroon | Italy |
| 9:00am | Norway | Costa Rica | ||
| 10:00am | France | Germany | ||
| 10:00am | Ireland | Greece | ||
| 11:00am | Chile | Brazil | ||
| 11:00am | Holland | Poland | ||
| 12:00pm | England | USA | ||
| 2 | 12/19/08 | 9:00am | Italy | England |
| 9:00am | USA | Chile | ||
| 10:00am | Poland | Ireland | ||
| 10:00am | Germany | Norway | ||
| 11:00am | Costa Rica | Holland | ||
| 11:00am | Greece | Cameroon | ||
| 12:00pm | Brazil | France | ||
| 3 | 1/9/10 | 9:00am | Ireland | Costa Rica |
| 9:00am | Norway | Brazil | ||
| 10:00am | Cameroon | Poland | ||
| 10:00am | France | USA | ||
| 11:00am | England | Greece | ||
| 11:00am | Holland | Germany | ||
| 12:00pm | Chile | Italy | ||
| 4 | 1/16/10 | 9:00am | Italy | France |
| 9:00am | Germany | Ireland | ||
| 10:00am | USA | Norway | ||
| 10:00am | Poland | England | ||
| 11:00am | Brazil | Holland | ||
| 11:00am | Greece | Chile | ||
| 12:00pm | Costa Rica | Cameroon | ||
| 5 | 1/23/10 | 9:00am | Chile | Poland |
| 9:00am | England | Costa Rica | ||
| 10:00am | Norway | Italy | ||
| 10:00am | Cameroon | Germany | ||
| 11:00am | Ireland | Brazil | ||
| 11:00am | France | Greece | ||
| 12:00pm | Holland | USA | ||
| 6 | 1/30/10 | 9:00am | Brazil | Cameroon |
| 9:00am | Italy | Holland | ||
| 10:00am | Germany | England | ||
| 10:00am | USA | Ireland | ||
| 11:00am | Poland | France | ||
| 11:00am | Costa Rica | Chile | ||
| 12:00pm | Greece | Norway | ||
| 7 | 2/6/10 | 9:00am | France | Costa Rica |
| 9:00am | Ireland | Italy | ||
| 10:00am | Chile | Germany | ||
| 10:00am | Cameroon | USA | ||
| 11:00am | England | Brazil | ||
| 11:00am | Holland | Greece | ||
| 12:00pm | Norway | Poland | ||
| 8 | 2/13/10 | 9:00am | Brazil | Greece |
| 9:00am | France | Ireland | ||
| 10:00am | Norway | Holland | ||
| 10:00am | USA | Poland | ||
| 11:00am | Costa Rica | England | ||
| 11:00am | Germany | Italy | ||
| 12:00pm | Chile | Cameroon | ||
| 9 | 2/20/10 | 9:00am | Holland | France |
| 9:00am | Poland | Brazil | ||
| 10:00am | Cameroon | England | ||
| 10:00am | Ireland | Chile | ||
| 11:00am | Greece | Germany | ||
| 11:00am | Norway | USA | ||
| 12:00pm | Italy | Costa Rica | ||
| 10 | 2/27/10 | 9:00am | Costa Rica | Greece |
| 9:00am | USA | Italy | ||
| 10:00am | Brazil | France | ||
| 10:00am | Germany | Poland | ||
| 11:00am | Chile | Holland | ||
| 11:00am | England | Ireland | ||
| 12:00pm | Norway | Cameroon | ||
| 11 | 3/6/10 | 9:00am | Italy | Brazil |
| 9:00am | Poland | Costa Rica | ||
| 10:00am | Chile | France | ||
| 10:00am | Ireland | Cameroon | ||
| 11:00am | Norway | Greece | ||
| 11:00am | USA | Germany | ||
| 12:00pm | Holland | England | ||
| 12 | 3/13/10 | 9:00am | Greece | Chile |
| 9:00am | Norway | Cameroon | ||
| 10:00am | France | England | ||
| 10:00am | Ireland | Holland | ||
| 11:00am | Italy | Poland | ||
| 11:00am | USA | Costa Rica | ||
| 12:00pm | Brazil | Germany |
