HELLLOOOO My Most Beautiful Wonderful Bay Area!!…  The “Question of the Day” is … Are you sure your realtor is licensed to do business?

Most sellers, buyers, soon to be in the market consumers and yes even fellow realtors probably don’t think too much about the licensing status of the agents they work with! And we all should know!! In fact its crucial to know… why would you work with someone who isnt licensed, why would you work with someone who has been disciplined or has complaints placed on his/her record?… As with everything else in life we must scrutinize the who, what and whys which includes “making sure your realtor is licensed and current” when it comes to working closely with that person regarding your home or any kind of property and where a huge amount of your life and money  is involved… Use a Licensed Realtor!

Jim Malmberg wrote a very insightful article on why its important to know the status of the realtor you work with…please take a minute to read it… and enlighten yourselves… http://bit.ly/A5hHlw

(the DRE – Department of Real Estate License Lookup link is inside Jim’s article… its FREE to use…do yourselves a favor and do this…)

HELLLLOOOO My Wonderful Beautiful Bay Area… Those of you who have enjoyed taking certain deductions yearly… be forewarned… certain tax benefits will be going up up and away… (the article below comes from Inman News)… please make your notes and be sure to take what you can before they disappear…

Real Estate Tax Talk. There are several tax credits and deductions set to expire at the end of the year, and given the federal deficit problem, there’s a good chance they won’t be extended. If you want to take advantage of them, you need to act before Jan. 1, 2012. Mortgage insurance premium deduction If you itemize deductions, you may deduct the premiums you pay for mortgage insurance, just like you do mortgage interest. However, this deduction is phased out if your income exceeds certain levels. To qualify for the full deduction, a couple or a single taxpayer must have an adjusted gross income of $100,000 or less. The deduction is phased out completely if AGI exceeds $109,000. For further details go ahead and check out the full article…click open the hyperlink below…

http://shar.es/oh6zE

There’s really some true advantages to “Online Shopping”!!… LOL

HELLLOOOOO My Wonderful Beautiful Bay Area… Have been soul searching for a nice something to post and share… its just that kind of day…Sorry sometimes the thoughts just dont flow.. Work has been at a very hectic pace but so appreciative for it… Life is Wonderful… Spring is Springing Up!!  Our climate is just where it needs to be and I hope you’re enjoying and experiencing all Our Wonderful Beautiful Bay Area has to offer…  Happy Spring to All…  have you ever done any gardening??… Its one of my favorite hobbies… last year we traveled to an Iris Farm in Brentwood… here’s a mere sampling of what we saw…

We were so delighted with the bountiful array of colors we had to bring some bulbs home to grow in our own Iris Flower Bed… If you’ve never seen a Bearded Iris and if you enjoy what nature can do… check this out!!…

The first of our bulbs to bloom!!

So Proud!!… Sooo Amazing!!… Enjoy!!…

Cheers Everyone!

HELLLOOOOOO My Beautiful Wonderful Bay Area!!… Safety- Safety-Safety… Location is a key component to how we go about our daily lives.. our Safety is right up there with Location choices… Ever want to know what kind of crimes are going on in a specific area??… search by street address, neighborhoods, sort of crimes, sex offenders…one of the better sites I’ve found is …Welcome to CrimeReports.com … easy to use and very informative… you can even sign up for email alerts for any activity in a specific area…Check it out and pass it along to your family and friends…very useful information… please give me your feedback…

Thanks for checking in… visit me again…

Isi

Serving Clients All Over the Eastbay…

Isi Wu
the right agent makes all the difference
Realty World – Blue Property Group
DRE#01258838
Cell 925.997.2426
isiwu@comcast.net
www.isiwu.com

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Helllooooo My Wonderful Beautiful Bay Area!!…

Today… we have an extension of  my posting on Tuesday October 12… Foreclosures Halting… Now What??!!!…

The breadth and ultimate effects of  this latest Foreclosure Issue may not be realized anytime soon, while we wait for more solid information to come down the pipeline etc… I thought you’d like to hear  from a trusted very experienced loan consultant and good  friend of mine, who was kind enough to share his personal perspective on the Foreclosure Situation…

(The content below is not be construed to be anything more than his own personal opinion)…

Hi Isi,

My personal belief is that lenders have been very patient with homeowners and to add this extra burden to already stretched banks and lending entities is simply suicidal for our economy.  Homeowners that are behind know very well they will lose their home.  Just like you and I know that on a clear day, the sky is blue.  Banks need to be able to move on their assets and eventually be solvent again.  Banks are not our adversaries.  Heavy and costly government along with the heavy and costly regulation that comes with it, is the problem. 

My business is so laden with regulation now that the average applicant is paying a higher rate and more fees to obtain the same product and the new regulations have done very little to enlighten the consumer to what they are getting.  Sadly, the only benefit the consumer has received is the privilege of paying more for the same product.

 On a different subject.  The economy starts with the consumer ( you and I and our neighbor) – not with business as these administrations keep pushing.  If the consumer has money at the end of the month and is not worried about the future and heavy inevitable taxes, then the consumer will spend which then leads to demand for services and products.  Hence employment.   The only way the consumer is going to have money to spend and feel good about the future is heavy federal and state tax cuts along with heavy government spending cuts.  If I had an extra $10,000.00 at the end of the year and I see a government heavily cutting back and behaving fiscally responsible, I might just purchase that couch we need or maybe I will get a new car.  Multiply this spending by millions and hence demand will jump, businesses will see this demand and expand hiring people and the future would be bright.

This government is poised to spend and unless you are willing to cut government way back it is useless talking about tax cuts.  So vote them out and replace them with leaders who tremble at the thought of big government and spending.  In order to prosper, government must be squeezed, regulation must be loosed, and tax burdens must be lifted.  There is no other formula for a great and prosperous America. 

 Hope this helps. 

Tom Erbil
Mortgage Broker – DRE License# 00934494

Stay tuned in and check back for more updates as they become available…

Isi

Isi Wu… the realtor for you!

Serving Clients All Over the Eastbay and Beyond…

Related articles

• Dory Rand: Robo-Signers Expose Weaknesses in Servicers’ Foreclosure Processes (huffingtonpost.com)
• Colossal Foreclosure Fraud (lewrockwell.com)
• So you bought a foreclosed home. Now what? (seattletimes.nwsource.com)
• Obama administration rejects nationwide foreclosure moratorium (usatoday.com)
• U.S. bank shares take hit over foreclosure woes (financialpost.com)

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HELLLLLOOOO My Wonderful – Beautiful Bay Area… The news is out… A number of major banks have volunteered to temporarily suspend foreclosures in 23 states and Bank of America is temporarily suspending foreclosures nationwide…

This situation is changing daily… this is just part of what we know so far… so far only Bank of America has extended its foreclosure moratorium to California, where the vast majority of foreclosures are conducted without a court order… the other 22 states are processed through the court system.  However non-judicial foreclosures in California do have legal requirements that lenders must follow… Other lenders and servicers placing foreclosure moratoriums are… Goldman Sachs Group Inc’s Litton Loan Servicing, Ally Financial Inc’s GMAC Mortgage unit, JPMorgan Chase and PNC Financial… please keep in mind they are only Temporarily halting the foreclosure process until they have reviewed whether some lenders/servicers were following correct procedures prior to foreclosing on properties.  This is all taking place voluntarily there has not been any mandates by either State or Federal entities. The bigger question is… just how long will it really take to straighten this mess up??!!!

The immediate impact of this moratorium on your transactions may cause delays and may even remove the listed foreclosures.

Lets all hope these latest events will be resolved swiftly to minimize the impact on our housing market in the Bay Area!

Stay tuned in and check back for updates as they become available…

Isi

Isi Wu… the realtor for you

Serving Clients All Over the Eastbay!

I hope this will enlighten you and give you extra insight as to what happens towards the end of a transaction in escrow… By all means please feel free to contact me with any questions you may have… it will be my pleasure to assist you…

Maddi is now a very happy and proud homeowner and I’m very honored to have represented her!…

Thanks for checking in…

Isi

Isi Wu… the realtor for you

Serving Clients All Over the Eastbay…