Beware!!! Foreclosure Fraud is on the rise!

WOW! It's amazing to me how scammers con people, especially when they are down on their luck. First we had those greedy mortgage brokers and lenders granting RIDICULOUS unaffordable loans to people with the promise of "The American Dream." Well millions of those dreams turned to nightmares when that balloon payment came due or that interest rate flew threw the roof. Now I am sad to report scams are on the rise disguised as a negotiator between homeowners and lenders. Heres how it works..

They place ads telling you they can get you a loan modification that will reduce your monthly payment and save you from foreclosure. They lay out a plan and assure you that everything is going to work out. They will do all the negotiating with the lender and you only have to pay 2/3 of your mortgage payment. Of course, the payment is made out to the program or the organization not the lender - RED FLAG! You see where this is going right? No negotiation was ever done, no payment ever went to the lender and BAM you're home is being foreclosed on.

DON"T BE A CASUALTY!

Contact me for a list of programs that are on the up & up!

Some won't cost you a dime!

RealEstatewithRuben@gmail.com

SEE YOU AROUND THE NEIGHBORHOOD!

Have to sell? Want top dollar? CURB APPEAL is your answer.

Remember the old cliche, "Never judge a book by it's cover?" well in today's market forget it!!! There is so much inventory out there, selling your home for top dollar is nearly impossible, or is it? THINK about what attracts, beauty, money and sex, so why not make money by making your home beautiful and sexy. Curb appeal is that answer... Here are ways to spruce up and attract those buyers to your sexy home, it's basic simple grooming:

• Stow away those unnecessary tools that are scattered around the house and yard.


• Clean windows and gutters


• Pressure wash dirty siding and decks


• Edge sidewalks and remove those wild unattractive growths (like moles with whiskers) between concrete blocks


• Mow the lawn and get rid of the weeds (think how you feel and look when you get a fab cut and color)


• Trim tree limbs that are near or touching the roof


• Replace old hardware


• Fresh paint

Need help? Contact me and let's together get those buyers knocking down the door to see what's inside.

RealEstatewithRuben@gmail.com

SEE YOU AROUND THE NEIGHBORHOOD!

WHAT ARE YOU WAITING FOR?

Since my last posting more good news has transpired, yes we are on the

ROAD TO RECOVERY!

Moody's Economy.com cheif economist guru, Mark Zandi, says these increasing home sales and gains in the stock market are promising signs that the worst is over! However he also warns that, "Confidence is a very fickle thing. It can go from abject pessimism that prevades now to a more balanced view now of the world rather quickly." (wow that's like quoting from a speedsheet)Some of the hardest hit markets, Florida's Gulf Coast, Cali's Inland Empire and Las Vegas, just to name a few, experienced an 80% jump in home sales. Experts say foreclosures, low interest rates and that $8000 Obama tax credit are helping first time buyers and investors.

So to all you first time buyers, LET'S GET GOING!!!

To all you homeowners sitting on that equity, MAKE YOUR MONEY WORK FOR YOU, become that investor that makes a mil

And to all you investors that are doing the do KUDOS!!!

See you around the neighborhood!
RealEstatewithRuben@gmail.com

6 Reason why YOU should buy NOW

Yes there is light at the end of the tunnel.

Properties are moving, the foreclosure inventory is decreasing and our new

Obama administration is lending a hand.

Here are six reasons why YOU should buy NOW!

1. Hail to our new Prez - First time buyers are entitled to a maximum $8000 tax credit, interest rates are at a record lows and our Federal Reserve is doing what it can to make those seemingly impossible loans possible.



2. Either by pro-creating or adopting like Madonna and Branjolina and by our VERY generous immigration/naturalization policies increasing our household count by 800,000 a year. WOW!
   



3. It's simple math, borrowers leverage their investment - If you put $10,000 into the stock market and it earns 10 percent, you’ve earned $1,000. If you put $10,000 down on a home and its values increases 10 percent, you’ve made $10,000.



4. Instant equity - With all the foreclosure movement driving prices down, when the market zooms back up as it always does, you will rapidly gain more and more equity.



5. Your mortgage costs WILL stay the same - As I suggest to ALL my clients FIXED RATE ONLY, your monthly payment stays the same while everything around us goes up, including rent.



6. It's my house and I live here - Diva Diana said it all it that phrase (oops I dated myself again) Oh well there is nothing more comforting than owning your own home. You can paint what you want, let you pooches run free in the yard and have that piece of mind that security brings.

...yet another reason to BUY NOW!

According to the National Association of Home Builders, buyers could be gearing up for a return to the market.

In a survey for Century 21 Real Estate last month among prospective first-time home buyers who indicated they were likely to purchase a home in the next two years, a majority – 78 percent – said that now is a good time to buy a home. Of those responding to the online poll, 68 percent said that now is a better time to buy than six months ago.

And its not just good news there. The new home market is seeing promising numbers as well. Single-family permits were up 11 percent in February.

"With affordability up dramatically, reports from our builders in the field indicate that foot traffic in new homes is on the rise and consumer interest is increasing with each passing day. These are encouraging signs that the housing market may be finally reaching a bottom," said NAHB Chairman Joe Robson.

So why wait, even if you think you don't qualify now, get a plan going so that you can qualify. Without the facts and a plan you may miss the opportunities that are waiting for you.

Contact me and let's get started today!

realestatewithruben@gmail.com

See you around the neighborhood!