Sellers of short sale homes generally will receive higher offers and sell faster if they stage those short sales before putting them on the market.

Just in case you FAIL to read to the bottom… READ next paragraph now…

(((CLEAN, CLEAN, CLEAN!!!  I’m NOT kidding here!  CLEAN, CLEAN, CLEAN!!!  It IS the MOST INEXPENSIVE and MOST NOTICED “Staging” that you can do!!!  PLEASE, just do it!  You WILL thank me!)))

Many short sale sellers face a dilemma. They’re already upside-down on the mortgage and may be reluctant to spend a lot of money to hire a professional home stager to stage those homes, especially if they are in foreclosure. If a homeowner is facing a financial hardship, it could be next to impossible to pour more money into a home when all the owner wants is out.

 “Most people who have lived in their homes for some time stop seeing things that need attention. Many buyers decide if they like a house or not within a few minutes of arriving – you have to make yours not only look good, but memorable. For example, how many of us have left a leaking faucet or loose door knob unattended for months?

De – clutter!

Paint, Touch ups too …. Paint is cheap and easy!

Many spaces are over-furnished, which makes rooms look smaller and less welcoming. Remove excess furniture to lighten up and open up the room.  And while you’re at it, START PACKING EVERYTHING you don’t NEED!  Get a jump start and help a Buyer SEE how much room there is in your Home!

Lastly, CLEAN, CLEAN, CLEAN!!!  I’m NOT kidding here!  CLEAN, CLEAN, CLEAN!!!  It IS the MOST INEXPENSIVE and MOST NOTICED “Staging” that you can do!!!  PLEASE, just do it!  You WILL thank me!

RENT vs OWN:Rent payment or Mortgage —  $1,200 vs $1,084

Real estate taxes — $0 vs $250

PMI-Private Mortgage Insurance — $0 vs $88

Total payment — $1,200 to rent vs $1,422 to mortgage

LESS your TAX SAVINGS! — $0 to rent vs $335 saved w/Mortgage!

After-tax payment — $1,200 to rent vs $1,087 to own!

OWNING saves you $113 per MONTH and that isn’t even counting equity/cash being earned!

Yet another GREAT tool!  Again, let me  know what you think!  And always, I’d love to help you Buy or Sell your new Home!  God bless you, God bless you!!!  Deni.

This is GOOD stuff!  Let me know what you think!  God bless you today!  Deni.

Zillow’s real-time mortgage rates are based on thousands of custom mortgage quotes submitted daily to anonymous borrowers through the site, and reflect the most recent changes in the market. These are not marketing rates or a weekly survey.

The rate for 15-year fixed home loans is currently 4.27%, while the rate for 5-1 adjustable rate mortgages is 3.70%.

The volume of mortgage requests in the past week fell 9.4% from the prior week. Of last week’s requests, 34.7% were for refinance loans, 63.5% were for purchase loans and 1.9% were for home equity loans. The prior week, 34.5% of requests were for refinance loans, 63.5% were for purchase loans and 2.1% were for home equity loans.

If that isn’t enough…, your CREDIT REPORT will be in terminal condition for many years to come, worsening an already bad financial situation and making it very difficult to obtain any other kind of credit.

There is no upside to foreclosure. It should be AVOIDED at all costs.
Consider a short sale when foreclosure seems inevitable. A SHORT SALE is a popular option for homeowners mired down with financial problems. In this case, you would sell your home for less than what you owe your lender.

Experts advise pursuing this option the minute you realize that you are falling behind in your payments and most likely won’t be able to catch up. The longer you wait and the greater the amount you are in arrears, the less likely it becomes that your lender will even be willing to discuss a short sale.

CALL or Message me if you are behind with your payments. You are NOT alone!

When planning a kitchen remodel, www.houselogic.com recommends that you keep the same footprint, add storage, and design adequate lighting to preserve value and keep costs reasonable. 

Despite the size of your planned kitchen, you can save great expense by not rearranging walls, and by keeping new plumbing fixtures near existing plumbing pipes. You’ll save on demolition and reconstruction and you’ll minimize the amount of dust and debris that is created!  Waste not, want not. 

I’d love to hear your thoughts, comments and experiences.  Don’t be shy!  Have a stellar day! —Deni

Hello world!  I am excited to stumble upon this tool that will allow me to educate, encourage and enable you to build up your net worth.  So what is the secret of wealth? Guess what?  There is NO secret formula! Almost anyone can build wealth.  It takes time and patience when most of us would rather get rich quick. 

Let’s get started.  Seriously, what is net worth?  Simple.  Net worth is Assets less Liabilities or what you own less what you owe!  No sweat. 

Question:  How does a person begin to build net worth? 

Example:

Mr. Leznavitch owns his home valued at $200,000.  Mr. Leznavitch has a mortgage balance of $130,000.  Therefore, his net worth is $70,000.  Btw, I fully believe that one of the best, safest and quickest ways to build WEALTH is to invest in Real Estate.  I can help you but you need to contact me first!  Doesn’t matter where you live…  just do it, click…  http://www.denifoss.com/atj/user/ContactUsGetAction.do

Easy right? Some of us look at finances and we consider it confusing but I encourage you to take the first step in learning the basics to begin with.  Just do it.  Ask me questions, let’s chat!

REMEMBER:  

How do you eat an elephant?  One bite at a time.  Simple.  We’ll be chatting again soon.  Hit me with your chat, questions, and comments!   —Deni.