For a complete list of homes for sale in Calhoun, LA:   www.http://preview.tinyurl.com/yhylwra

School & community  information, as well as this weeks local market condition in Calhoun,LA:  http://preview.tinyurl.com/ykrw2ut Put in any Calhoun address and you’ll get tons of information.

To contact me directly with any questions:

318-372-3048 or via email at realestate@aliviaroberts.com or visit my website www.AliviaRoberts.com

Alivia A. Roberts

Keller Williams Realty Parishwide Partners 1390 Hudson Monroe LA 71201, USA 812-SOLD *each office independently owned & operated.   Licensed in La.

Lenders started tightening lending rules back in 2008.   Since then many people have flocked to mortgages insured by the Federal Housing Administration, which serves borrowers who have poor credit and little money for down payments.

Now F.H.A. mortgage defaults are increasing, so the government has tightened lending standards for those with the worst credit and increased fees across the board   They did temporarily remove a hurdle that kept away buyers of foreclosed properties. (This has been great for our local market.)

According to BOB TEDESCHI  with the New York Times, ‘Mortgage executives say the changes, announced this month, amount to good news for borrowers, because many in the industry expected even tighter restrictions.’

œEveryone thought the new guidelines would be a lot stricter, and include higher down payments for everyone, said Pattie Romanzi, the chief executive of the Par East Mortgage Company in East Hampton, N.Y. œThis isn™t too bad.

The F.H.A. insures mortgages from lenders who would not otherwise offer loans to those who can make down payments of only 3.5 percent and who have credit scores of 620 or less.

Borrowers pay an F.H.A. insurance premium  either with an upfront fee that can be included in the total loan amount and amortized over the life of the mortgage or in a monthly fee.

Starting this spring the upfront fee jumps 1.75 percent of the loan amount  to 2.25percent, adding about $500 to a $200,000 loan.

A local major cause of concern is the change to the amount of closing costs a seller can finance for the buyer.   The seller could previously finance up to 6 percent of the home™s closing costs when the borrower used an F.H.A. mortgage. That will drop to 3 percent this summer.

The F.H.A. is offering borrowers a break in another aspect though. Currently buyers can not consider an F.H.A. loan for any property that had changed hands within the previous 90 days-”flipping” property. This œno-flipping rule blocked borrowers from the inventory of foreclosed homes.

The F.H.A. waived the no-flipping rule until Feb. 1, 2011.   One of these exceptions is that properties cannot change hands between family members and if the price is at least 20 percent higher than what the seller originally paid for the property, lenders can impose other conditions,  for instance  a second appraisal.

This is hoped to spur homesales.

For the original article:   Mortgages F.H.A. Lending Standards Tightened By BOB TEDESCHI  Published: January 28, 2010

Alivia A. Roberts:   318-372-3048

www.yourteamrealtyllc.com

www.allhomesalltime.com

yourteamrealty@yahoo.com

Keller Williams Realty Parishwide Partners 1390 Hudson Monroe LA 71201, USA 812-SOLD *each office independently owned & operated.   *licensed in LA.

This mornings real estate show:   All About Real Estate with me your host and local real estae agent Alivia Roberts focused on How to Get Your Home Sold Fast & For Top Dollar whether you are working with a real estate agent or you decide to sell as a For Sale by Owner.  

The Real Estate Market has Changed.   Remember not so long ago, when you could make your fortune in real estate.   It was nothing then to buy a home, wait a short while, and then sell it at at tidy profit.   And then do it all over again.

Well, as you probbly know, times have changed.   As good as the market is right now, home prices are still below what they were at their peak.   Buyers are far more discriminating, and a large percentage of the homes listed for sale never sell.   It’s more important than ever to learn what you need to know to avoid costly seller mistakes in order to sell your home fast and for the most amount of money with the least amount of hassle.  

1.)   Know why you’re selling and keep it to yourself.  

The reasons behind your decision to sell affect everything from setting a price to deciding how much time and money to invest in getting your home ready for sale.   What’s more important to you:   the money you walk away with, the length of time your property is on the market or both?   Different goals will dictate different strategies.

However, don’t revel your motivation to anyone else or they may use it agaist you when negotiating.   When asked, simply say that your housing needs have changed.

2.)   Do your homework before setting a price.

Settling on an offering price is extremely important.   Once you’ve set the price, you have told the buyers the maximum they have to pay for your property.   Remember that the average buyer is looking at 15-20 homes at the same time they are looking at yours.   This means that they have a basis of comparishon, and if your home doesn’t compare well with others in the price range you’ve set, you won’t be taken seriously.   As a result, your home will sit on the market for a long time.   The longer it is on the market the more new buyers will think there must be something wrong with the home.

3.)   More homework.

Your agent should find out what homes in your own and similar neighborhoods have sold for in the last 6-12 months, and research what current homes are listed for.   This is also how prospective buyers will assess the worth of your home.

4.)   Find a professional real estate agent to represent your needs.

Nearly 3/4s of homeowners claim that they wouldn’t use the same realtor who sold their last home.   Dissatisfaction boils down to poor communication:   not enough feedback, lower pricing, and strained relations.

5.)   Maximize your home’s sale potential.

Each year, corporate America spends billions on product & packaging design.   Appearance is very important, and it would be crazy to ignore this when selling your home.

You can’t do anything about your home’s location or floor plan.   You can do a lot to improve its appearance.   The look and feel of your home generates a greater emotional response that any other factor.   Before showings ensure the home is picked up, straight, uncluttered, and dust free.   Fix everything even the insignificant items.  

Allow the buyers to imagine themselves living in the home.   The decision to buy is based on emotion.   Prospective buyers want to be able to see themselves in the home.  

These are just a few of the tips to ensure your home is sold fast for top dollar the first time.

Alivia A. Roberts 372-3048

www.yourteamrealtyllc.com

www.allhomesalltime.com (To search for homes)

Keller Williams Realty Parishwide Partners 1390 Hudson Monroe La 71201, USA 812-SOLD

This morning was my first real estate show on Fox 92.7 FM.   We covered the $8000 tax credit for first time home buyers and the $6500 tax credit for sellers.   For information on the tax credit go to:   www.freetaxmoneyinfo.com Next Tuesday at 8am we’ll be talking about How to Sell a Home that Didn’t sell the first time.   Please tune in.   If you have any questions between now and then please call me at 318-372-3048.

Alivia A. Roberts                                                                                                                                                                                                                

Keller Williams Realty Parishwide Partners 1390 Hudson Monroe LA 71201, USA 812-SOLD

*Each office independently owned and operated.   Licensed in La.

www.yourteamrealtyllc.com

Jan

13

$234,000     MLS 142392

13 beautiful acres in Calhoun with a pond. Can be purchased in smaller tracts. Has septic on property. Call for complete details.

Alivia Roberts   372-3048

Keller Williams Realty Parishwide Partners 1390 Hudson Lane Monroe, LA 71201 USA

318-812-SOLD

Licensed in Louisiana

Each office  independently owned and operated.  

3BR/2BA   1780 heated sq ft     Built in 1996

$125,000     MLS 142216

Looking for a large home? Then look no further. This home has large rooms and a huge master.  It features wood floors throughout, a covered patio and a workshop. To top it off, it’s in Kiroli School District.

Alivia Roberts   372-3048

Keller Williams Realty Parishwide Partners 1390 Hudson Lane Monroe, LA   71201 USA

318-812-SOLD

Licensed in Louisiana

Each office is independently owned and operated  

3BR/3BA 2336 heated sq ft. 43 acres           $315,000       MLS   141810

Executive 43 acre ranch. Built for gracious and comfortable living. Family room with brick fireplace, large living room, eat-in kitchen, 3 bedrooms, 3 full baths and great guest home. The main house and guest home have been updated throughout. Updates include: ceramic tile flooring, new paint inside and out, new hot water heater and new metal roof. Your horses will love the 6 stall stable and you will  enjoy the additional storage provided. There are 2- 100′ X 100′ paddocks, a round pen and a recently updated arena, as well as an 1800 sq feet hay and equipment barn. Your animals will have tons of pasture to roam in. There is also a 24 x 44 fenced vegetable garden and a 16 x 60 chicken run that will keep you in all the fresh veggies and eggs you can eat. This entire property is  fenced and cross fenced and to top it off, has a great pond and central irrigation. All this great country living and only 30 minutes from West Monroe or Ruston!

Alivia Roberts     372-3048

Keller Williams Realty Parishwide Partners 1390 Hudson Lane Monroe, LA   71201 USA

318-812-SOLD

Licensed in Louisiana

Each office is independently owned and operated.

Jan

7

3BR/2BA   3.96 acres   2449 heated sq ft.   $275,000     MLS 141648

Gorgeous home on 3.96 acres. This home offers so much: a spacious open living area with heavy crown molding throughout, a teakwood mantle, tall ceilings, tons of large windows, fireplace in living area, master bedroom and bath. Gorgeous flooring and wonderful colors. This is the best home on the market. Additional acreage available.

For more information visit: www.allhomesalltime.com

Alivia Roberts   372-3048

Keller Williams Realty Parishwide Partners 1390 Hudson Lane Monroe, LA 71201 USA

812-SOLD   Licensed in Louisiana

Each office independently owned and operated

3BR/2BA 2087 heated sq ft.   $140,000     MLS 142198

A well maintained 3/2 in a quaint, convenient area priced to sell quickly! This French-Provincial home features a large living area & an even larger family room, a great sunroom and huge bedrooms. Wood fencing surrounds the backyard offering you tons of privacy while on your back porch or while working in the 16 x 8 workshop. The workshop has water, electricity and AC. No flood insurance needed.

For more information visit: www.allhomesalltime.com

 Alivia Roberts

Keller Williams Realty

Parishwide Partners

1390 Hudson Lane

Monroe, LA   71201 USA

318-812-SOLD

Licensed In Louisiana

Each office independently owned and operated

Why Most Homes Listed for Sale Don’t Sell and What to Do About It

If your home has just come off the market and hasn’t sold, don’t be discouraged. The reason your home did not sell may have nothing to do with your home or the market. In reality, your home may have been one of the more desirable properties for sale.

So Why Didn’t Your Home Sell?

Last year almost half of the homes listed for sale never sold at all, and many sellers found that there was a tremendous amount a homeowner needed to be educated on to sell their home for top dollar in the shortest time period.

Don’t risk making the wrong choices and losing both time and money on your investment. Before you hire a real estate agent, know the right questions to ask to save you time and money.

Industry experts have prepared a free special report called “How to Sell a House that Didn’t Sell” which educates you on the issues involved.  
 

Click Here:   http://preview.tinyurl.com/yaw6xxb to order this report NOW to make sure your home sells the next time you put it on the market!

Alivia Roberts

Keller Williams Realty Parishwide Partners 1390 Hudson Monroe LA 71201, USA 812-SOLD

318-372-3048 Direct #

www.allhomesalltime.com

www.yourteamrealtyllc.com

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