i heart pix: Emily and Kevin June 20th, 2009
It was Cinco de Mayo and Kevin found out he got into med school at West Virginia Univeristy. We decided to go over to my sister and brother-in-laws house to celebrate. Kevin made us all dinner and while eating he made a toast to “family” and went into his proposal. Anyone who knows Kevin knows he … So our entire bridal party along with both of our parents (about 25 people) came down the week before the wedding and we held our “rehearsal” dinner at a marina on the lake. …  read more…

Posts about Real Estate Agent as of August 25, 2009
Sicamous Lake real estate offers some of the best in lake front beach property and homes in the Canadian world! With miles of warm, sandy beaches to stroll at sunrise, and challenging golf courses, and boating opportunities that only begin with the …. Virginia Davis, who worked in Walt Disney’s revolutionary series of shorts known as The Alice Comedies , passed on August 15, 2009 at the age of 90. Virginia Davis was born on December 31, 1918 in Kansas City, Missouri. …  read more…

West Virginia Mortgage Information » Twitter Tweets about Real …
realestateWin: 4BR/2BA 1450sf $199900 Lakefront in Traverse Bay Year round home Traverse Bay Real Estate Property #realestate http://realestatechannel. … 2009-08-25 · Reply · Subscribe to feed Subscribe RSS Feed. Archive …  read more…

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Log Home Living in the Laurel Highlands
Every month thousands of people from Western PA, Ohio, West Virginia and Maryland flock to the Laurel Highlands in search of something they can’t find in their everyday lives…tranquility. From whit…  read more…

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Lake Tahoe, the lake itself and the small towns scattered around it, are located in the Sierra Nevada Mountains on the border of Nevada and California. The lake is a freshwater lake and is renowned fo…  read more…

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CBJ: Property Transfers & Building Permits (The Daily Progress)
A weekly listing of property transfers and building permits in and around Charlottesville.  read more…

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Resolved Question: Cheat Lake area, Morgantown West Virginia looking for housing, need advice!?
I am looking at properties in and around Morgantown, WV. We’re moving from Texas and don’t know anything about the area. And advice on schools University vs Morgantown High? Know of any smaller suburb area that is a great place to live? Low taxes. Looking at houses only…location does not hinder job. Can go anywhere. Have to have great academics and great football program. Please help and feel free to IM. Thanks!!

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Purchasing property via a Trustee sale has some benefits that outweigh some of the risks. Knowing the basic process is the first step in a successful winning bid and a home with instant equity.

You are buying liens not properties when you purchasing through a Trustee Sale. If research is not done properly you could be buying additional liens in addition to the first lien and would have the obligations of paying all liens in full.

The chain of title will determine all liens on a given property. This will show the mortgage liens in addition to any property tax and/or IRS liens. Do you research carefully as this is a crucial step in the process before bidding on a property. Don’t proceed to the next step until you feel comfortable with the valid liens and you’ve established your position.

Remember you are buying the property in an “As-Is” condition. There will be no inspection periods, no termite inspections, no home or seller warranties and no title insurance.

Once you win a Trustee Sale bid, there are financial requirements. First you must place an earnest deposit in the amount of $10,000 with a cashier’s check to the trustee. You also must have the remaining funds to pay the note in full within 24 hours after you win the bid. Failure to close the transaction the following day you will automatically lose your earnest deposit and possibly face additional legal ramifications.

How do you obtain the entire amount of the property in such a short period of time? The answer is usually a hard money lender. They may charge exorbitant interest rates on the loan but you will only need it temporarily. After 30 days or so you’ll be able to refinance the note. When you refinance you will be required to place additional funds in escrow which will act as an earnest deposit. You will need approval from the hard money lender prior to attending the Trustee Sale.

Okay, now you’ve won the bid and you have a “fixer-upper”. If you’ve done your homework, most repairs will be minimal and you have a good idea of the costs to make the repairs. Common repairs are paint, carpet, and drywall. If the property requires more costly repairs you will have known this from the start. These costs were budgeted and considered before you bid on the home. Since you’re purchasing the home under market value there should still be equity in the property.

The purchase price you pay for the home is never more than 70% of market value. If you refinance the property through a conventional mortgage they will only lend at 80% of market value.

Technorati Tags: blog, finance, foreclosure, homes, Leasing, loans, Mortgage, Real Estate

When reviewing mortgage applications the information lenders look for first and count on the most heavily is the applicants FICO score. This score is what a loan officer uses in deciding how credit worthy an applicant is. It also has great influence over the terms offered with a loan. Lenders look for a high FICO score because they know that higher scores generally mean less risk for them. Low-risk applicants can count on better rates and loan terms.

The industry secrets regarding how a FICO score is calculated is top secret. Fortunately, the company has allowed consumers a glimpse of the process by giving a list of what sorts of information they use and how they use it in analyzing and scoring a persons credit. This knowledge can help individuals clear up bad credit or appeal false information, and handle their available credit appropriately. Here is a list of the information the FICO Corporation uses and how it is weighted in their formula:

Payment Habits: Everyone knows it is important to make payments on time, and now you know why: this is 35% of your overall FICO score. Slow payments lower your score and conversely on-time payments raise the score.

Credit Used and Available Credit: This is an important ratio to a lender and it makes up 30% of your FICO score. Having plenty of available credit will raise your score. Also, paying down loans regularly but not closing them, and paying down your open revolving credit cards will increase the score. However, closing revolving credit accounts will lower the score.

Length of Credit History: This information counts as 15% of your FICO score. This factor is important because it can shows how a borrower has behaved in the past and is a pretty good indicator of how they will behave in the future. If you have a long credit history your score will be higher, while those just starting out will have a lower score in this area.

Types of Credit and Recent Credit Inquiries: These two factors make up the last 20% of your score, or 10% each. There are different kinds of credit available to consumers and FICO looks at how an individual has handled these. If there are different kinds of credit that has been handled successfully then it raises the score. The number of recent credit inquiries can give a picture of a persons current financial situation. If there are a lot of inquiries into someones credit the score will go down.

This overview of how FICO scores are calculated can help and empower consumers as they learn how to take care of and monitor their credit and help them obtain more favorable loan terms.

Technorati Tags: credit, credit repair, debt, Debt Management, fico score, finance, personal finance, Real Estate

Web logs are now becoming the center of attraction for many Internet savvy people. Creation of a blog can be based on two major reasons. One is the personal aspect and the second one is the professional aspect. Blogging has received enormous popularity among people as a trend. It has proven that when blog have been used for professional reason, dragged more public response and the concerned business has received a significant hike in revenue.

In order to grab success in the world of online marketing, you need some unique and effective ideas. Real estate blog marketing is the one that can bring you tremendous success over the Internet. Both the individuals and businesses can use it for their much needed business success. Blogging as a trend is going high on demand among several businesses. With such huge acceptance rate for blogging it’s quite obvious for real estate blogs to evolve on the World Wide Web.

Blogging for the real estate business has grown like anything due to the abundant amount of good result real estate investors have experienced. Real estate blog marketing can be used as an effective and affordable marketing tool, which real estate agents from all over the world are using to receive more amount of business success.

Through blogging real estate professionals have drawn significant result. For such reason blogging as a trend has grown like anything among real estate investors. Real estate blog marketing is an affordable yet effective online business tool that allows the real estate agents to draw solid business success.

So, you need to make your blog different from others so that it can draw maximum number of web traffic’s attention. As a real estate investor you are well acquainted with the ongoing tremendous competition in the real estate market. Therefore, making a blog that can be noticeable from the rest is the most important aspect that you need to look for. Also your blog needs to be optimized as per the requirements of search engines. Achieving a high rank in a major search engine like Google can bring you good amount of web traffic as well as popularity on the Internet.

Before getting started, you need to know the exact elements that are essential to be added with your real estate blog marketing. If you follow these elements then it will guarantee approval rate for your blog on the Internet.

If you will go for expert’s suggestion then one post in a week can bring you tremendous success with your real estate blog marketing. If you will add more posts then readers will make more number of comments for your blog. This is also a good move with your real estate blog through which many people will came to know about your real estate business.

Optimization of a blog can also bring you several inbound links, which is highly essential from search engines like Google point of view. There are several ways to make your real estate blog marketing successful. You need to make your blog informative and updated by posting contents on a regular basis. If you are not ready to add posts for your blog on a regular basis then real estate blog marketing is not for you.

Technorati Tags: marketing for realtors, marketing realtor site web, Real Estate, real estate email marketing, real estate internet marketing, real estate marketing, realtor email marketing, realtor internet marketing, realtor marketing, realtor marketing products, realtors marketing

Podcasting perhaps as a medium of communication has originated because of blogging. Mostly podcasters are bloggers who simply include podcasts in their own blogs. Online audio content via webfeed is delivered during Podcasting. Podcasting is very similar to radio on demand but gives you many more options with regard to the program style and content when compared to the radio. Real estate professionals can enhance their online social marketing by using podcasting. There are three main ways in which podcasting can be used with blogs to ensure that the desired information reaches the targeted audience.

Audio Touring is the first technique by which you can get reach out clearly to the audience using podcasting. These audio tours can be an effective method for your business when as an agent of real estate you are looking online for potential buyers and clients. A description in details of properties that you wish to advertise and promote can be podcasted. Audio touring is a type of virtual touring. Listeners will get a clear and concrete picture in their minds, will get a fair idea about these properties, and decide if they are interested.

To Further build up your online real estate social marketing you can combine the method of Audio Tours with Audio Seminars for podcasting. The blog can be produced in an audio-electronic form.

Your income will increase if you offer your customers access to interesting material with the help of podcasting and this will also reflect that you are updated technologically and are very proficient in your work. Your clients and customers will have a positive impression of your real estate operations.

While podcasting your real estate blog, you can consider applying a second method by giving some exclusive advice to your listeners periodically. You can name it as Tip of the Day or something similar. In this way, your listeners will look forward to receive something new and useful every time.

You can execute a third and useful way of creating a radio show for your listeners using podcasting. You can maintain contact with your customers very discreetly which is the biggest advantage of such shows. This radio show can be a forum of question and answer discussions with clients. You can talk about your real estate business, update the listeners with the latest activities and discuss rates and offers. In accordance to the social marketing requirements the format of the show can be chosen.

You can express yourself in a manner that is personal in nature by creating a radio show for podcasting your blog. This repeatedly builds a bond between you and your consumers. Consumers prefer to do business with those whom they know, trust and understand. A radio show can be the best mode that can create and reinforce all these sentiments in the minds of your consumers.

The most vital aspect of podcasting, as any other outlet for advertising, requires you to send your message across to your target audience successfully. Your main objective should always be to keep your product or service at the center of discussion. Podcasting as a medium of advertising your product will not make you wealthy instantly. It can effectually bring your message out, draw the attention of more customers and strengthen your base of social marketing.

Technorati Tags: authority blogging, blog pinging, ping list, plugin, podcasting, Real Estate, real estate social marketing, real estate web 2.0, social marketing, Technorati tags, trackback link, Video Marketing, web 2.0, wordpress blog

One thing you must keep in mind when it comes to credit repair, is that it will not be easy. No matter if you choose to do it yourself, or get someone specializing in credit repair services to do it for you. It wasn’t quick, but it was easy to get bad credit, and it will take time and be twice as hard to get back to having good credit.

There are credit repair services advertised widely today. Some of these advertisements make it seem like it will be an easy thing to hire them and poof you’ll have good credit. I believe if something’s worth having it’s worth working for.

I am a firm believer in the fact that your credit didn’t get bad overnight, it’s not going to repair itself overnight either. One of the most important steps to repairing bad credit, after admitting that you have bad credit, is to get rid of the credit cards. Some people are addicted to credit cards, and they don’t know how they would live without them. Well many people live without them on a regular basis.

Open a separate bank account, and for a few months put your payment you normally make to your credit card company in that account. I mean let’s face it, you’ll never get it paid off with the minimum monthly payment. When the credit companies start calling regarding your delinquent accounts, be honest that you can’t pay right now, but you have a plan in place to repair this situation as soon as possible.

The next step in this plan, is to contact your credit provider, usually when you have approximately one third of your outstanding debt. Now you are in a position to offer a lump sum payment to get this debt paid off. Sometimes this first offer is snatched at, and sometimes you need to go through the process of negotiating first.

A good first step is to assess your situation. You must know where your credit is at before you can begin to rebuild it. It should be mentioned here, that sometimes it needs to get worse before it gets better. A really good help for this, is to look at the big picture. A few missed payments now, are not going to reflect all that badly once the whole debt is paid off.

For starters, you can check out some of the forums for credit repair. This is a good place to tap into a wealth of information. You should be able to find information from all types of sources, from people who have gone through similar situations to credit repair specialists, and maybe even the odd lawyer.

It is your responsibility to check out all the legal implications before deciding on a course of action. This may take some work, but your credit is worth it, isn’t it?

My Dad is fond of a saying, measure twice and cut once. Well as it applies to fixing bad credit, it is Read thrice and act once. Reading can’t be overemphasized, make sure you understand what you are doing so you don’t make things worse.

Another saying I’ve heard that applies to this, plan your work and work your plan. That goes hand in hand with, if you fail to plan you plan to fail.

You must remember two things when deciding what to do. As much as there are laws that determine what you are allowed to do and not do, there are also laws that dictate what credit reporting agencies may do or may not do. It is also in the creditors best interest to get this account paid, that’s why they often settle for lump sum payments at pennies on the dollar.

Technorati Tags: business, car loans, credit, financing, home, loans, Real Estate, travel

You want to make most of the foreclosure opportunity, but you don’t know how to do it? Don’t worry, in this blog we are going to discuss three of the best way to find some excellent foreclosures using foreclosure listings.

Let’s get started.

Networking: Some of the best foreclosure properties are worth the effort. However, you need to network your way through. Once you are privy to the insider information on the best foreclosures, you’ll be able to invest in foreclosed properties that most other people may not even know about!

So how do you network? Start by contacting some of the most experienced real estate agents in your area. Convince them that you are a serious customer and want to establish a long-term relationship. Since these agents have access to the latest news, current foreclosure listings and developments, when you network with them you’ll be in the ‘thick of action.”

Do It Yourself: A killer technique for sure. It may sounds a bit strange, but it yields excellent results. All you need to do is drive around your area and keep an eye out for ‘For Sale’ signs on homes. Stay alert for signs like ‘foreclosure,’ ‘bank-owned foreclosure’ or ‘bank repo.’ Jot down the contact information and once you get home, call them up. Now here’s the important part. Once you have collected information on the foreclosed property, also ask about any ‘red hot’ foreclosures in that area. Believe me when I say, agents will have foreclosure lists with the latest and best foreclosures with them! Try it and you’ll see what I mean.

Bank Websites: This is one of the best ways to find foreclosures. Not only will you find foreclosure lists on various bank websites but you will also be able to get the latest information regarding foreclosures. Some of these bank websites are for Bank of America, Chase Mortgage, US Bank.

Well there is another technique that helps you find the best foreclosure listings out there. It’s called, “making others work for you!” These techniques have been derived based on practical experience and established results. Once you have managed to practice these 3 techniques to find the best foreclosure listings for some time, you can simply relax and let others do the hard work for you!

Technorati Tags: bank foreclosures, foreclosed homes, foreclosed properties, foreclosure homes, foreclosure listings, foreclosure lists, foreclosures for sale, homes for sale, homes in foreclosure, Real Estate

Real estate isn’t so easy to sell when the economy is continuing its lackluster performance. The good news is that with some spice and effort, you can sell even the below average pieces of real estate to others looking for a deal. Knowing the tricks of the trade will certainly bring you options.

There is nothing worse than going to a home, liking what you see, and then doing an inspection and finding something wrong. After you do find a problem, odds are you won’t trust the seller. Put yourself in this situation, and realize that as soon as you cover up a problem and it’s found, you lost a buyer. Instead fix any problems with your home, and be sure to be honest of the ones still present.

If you decide that you need a change of scenery in your home, painting is the first thing to consider. A bucket of paint can cover several large rooms, is relatively inexpensive, and is easy to apply. Previous experience isn’t necessary, but it would help out a lot. Having a friend or handy family member come over can make a fun day of the ordeal.

Buyers want one single thing: they want to live in luxury, but want to do it at a price they can agree with. Spend a few hundred dollars buying new light fixtures, small pieces of furniture or art, and setting each room up with a mood that calls out to the buyer. A few hundred dollars of aesthetic work easily equates into several thousands of dollars in markup price.

The environment that a home buyer comes into when they tour your house can make or break a deal. If the home buyer notices loud barking dogs next door, a loud television set, or other interference- odds are you lost their initial appeal. You can do the opposite by creating a “warm” feel in your home. Leave the temperature very inviting, have a candle or two lit, and try to keep it homely.

Getting your home sold will take time- even more so if you don’t have enough time to get all the work done day in and day out. A real estate broker is a logical choice in hiring at this point. There are probably already several in your immediate area you can go to a consultation with to see if you need their services. Most do turn out needing them, as they provide a valued service.

Closing Comments

A first time home sale isn’t easy, but the reward is very fulfilling. Whether you do it yourself or with the help of a real estate agent, follow the methods mentioned so you can guarantee your success.

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In this era of the internet, social bookmarking and social news sites are being used for numerous official and unofficial purposes. To provide special advantages to real estate professionals, there are special social bookmarking services that are operating online. Delicious is one such recently launched service. Delicious was initiated in New York City at the esteemed Inman Real Estate Connect Conference. Real estate professionals can use the service of Delicious to establish individual or shared business.

Delicious was formed basically with a simple and straight motive and carries a motto that says, Organize, Share and Discuss?. Hence we find this server encouraging and helpful in initiating conversations within a circle that consists primarily of real estate agents. So, due to such advantages it is gaining more popularity as a social bookmarking site than many other sites and is being called as an important instrument for online social marketing.

You can promote your blog on real estate with the help of social bookmarking sites and sites on social news. Chicklets can be used for easy, quick, and effective ways to promote your blog posts. Chiclets are small networks of social bookmarking that will facilitate you to present your real estate posts on social networking and social news sites such as Reddit, NewsVine, Digg, Real Estate Voices, and Furl. Popularity of the social network site will support your real estate blog.

The method of submitting posts and blogs on these social news and social bookmarking sites is rather simple. You will have to go to the end of any post and click on the icon titled “i”. When that will slide open you will be able to spot the tiny chicklets of social bookmarking.

After rolling over each chicklet it will at once denote the social network that it stands for. To surrender your posts, write-ups or blog to any one of the social sites you need to click on any one of them. Registering once with the social media sites is required at times to make the best use of the process of social bookmarking. It is also worth it because it gives you the permission to publish your best articles at your own will and whenever you want to.

Net surfers prefer to remain involved with social sites. If your real estate blog is liked by them they can further let the other surfers know about it and then “dig” you. Thus by using social bookmarking you can get voted or dugged by web surfers and also increase the chances of your blog post to get a lot of exposure, get high ranks and “dugg” by users more often.

With the help of social bookmarking you can attract new users to your blog site because the higher ranks you obtain, chances of people reading your real estate article and even visiting your website increases. And if you can get your site to appear in the first page of Digg it will be an icing on the cake because the web traffic will increase a lot. Adding Chiclets and bookmarks with the help of social bookmarking will help the digging of your real estate blog turn easy and might also increase the digs and votes for you. But do ensure that you submit the best of your write-ups so that the web surfers that visit your site from these social sites come in large numbers.

Technorati Tags: marketing for realtors, marketing realtor site web, Real Estate, real estate email marketing, real estate internet marketing, real estate marketing, realtor email marketing, realtor internet marketing, realtor marketing, realtor marketing products, realtors marketing

Businesses have changed the way they function in several ways with the current struggling economy.

The Real Estate market has changed dramatically.

Due to poor credit scores, people are not eligible to be financed for mortgages so lease options and lease purchase have become a successful way for these people to purchase a new home. The downfall is that fraud and scams take place often as these types of deals are not well monitored.

You need to be very careful when you lease option or rent to own a home. If you are not careful, the process of renting a home to own it could be a well mastered minded plan to scam you for your money.

In reality, almost every home owner is struggling with mortgage and bill payments. Everyone is interested in ways to cut down on expenses and save money. The theory of desperate times call for desperate measures seems the theme for everyone facing tough times. Many are desperate to keep themselves out of the red financially.

My parents were almost the victims of this recently. They found their dream home and signed a contract with the realtor who was currently living in the home. The owners of this home were his friends and lived out of state.

Before the move in date, we requested verification that the mortgage was current as required by the contract. At this time, we discovered that the mortgage was behind almost $16,000 and that the home was in foreclosure. It was eye opening to discover that the owner and realtor were cohorts to attempt to take my parents money. They were planning to collect my parents money, the option fee and rent payments yet still allow the house to foreclose.

When renting a home with the hopes of owning it in the future, be vigilant in ensuring that you are not being conned. Verify that the mortgage is current prior to taking occupancy.

The most important thing is to ensure that you are dealing the property owner or with a company that is working on behalf of this person.

Recently scams have come to light that have entailed people advertising homes by way of classified ads, signage in the yards or even the most popular scam on Craigslist. These people have no relational ties to the house or legal right.

The scam on craigslist is unfortunately happening more and more often. An example is that someone who is overseas copies some photograph of a house that is actually on the market; at this point the advertised house is at a very attractive price to attract buyers. Often the will use family and religion to build a relationship and state they just want someone to care for their home. Money should be sent to them, and all this occurs without ever seeing the inside of the offered house. If you are faced with this type of scenario, BEWARE!!!!!!!!

Although Renting to Own or Lease Optioning a home is a great solution if you can not qualify for a mortgage, you need to be careful! Making sure you are working with the owner or their representative and that the mortgage is current are great steps to protect yourself!

Technorati Tags: lease option, lease purchase, Real Estate, real estate market, real estate marketing, real estate sales, rent to own homes