Free Trend Graph Reports!

Let me know if you would like a free trend graph report for your area or an area you are interested in. This is a helpful tool to see what the market is doing and to get a good idea of where it is going. Report comes on a single page and is easy to go over, it also has a chart that you can view. It is good to use to see the value of your current home as well. Look forward to being of assistance to you!

Be Careful Of Holiday Pc Viruses!

With Christmas fast approaching,,,,,,,,,,,,,,,watch out for this...be alert..


Please read the following. It applies to FedEx as well, Thanks.
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The newest virus circulating is the UPS Delivery Failure. You will receive an email from UPS Packet Service along with a packet number. It will say that they were un-able to deliver a package sent to you on such and such a date. It then asks you to print out the invoice copy attached. DON'T TRY TO PRINT THIS. IT LAUNCHES THE VIRUS! Pass this warning on to all your PC operators at work and home. This virus has caused Millions of dollars in damage in the past few days.
Snopes confirms that it is real:
http://www.snopes.com/computer/virus/ups.asp

Real Estate News!

For an updated news broadcast of the real estate market in current times view the link below. http://realtytimes.com/REUv/JohnInglis

Is Today The Day To Take Action!

Hello,

I wanted to take a moment this morning and give you an encouraging word if you are thinking about buying a home. The time has never been better to buy than now. I hear a lot of people saying that home prices are going to come down even lower than we have already seen them. This may be partially true, but the bigger concern is being able to qualify for the loan to purchase the property. I know all the cash buyers out there are not waiting any longer as you see them out making purchases right now. That is a good sign. Not to mention that lending guide lines as we have known them are going to change. For most people they are still in the position to get a loan but after December 1 it could be a challenge. I would rather know that I paid a little more for a home than not be able to get one at all in this time where we are seeing homes at half the price they were at. The chance to make a move is not going to be there for most the people sitting around waiting for the bottom to come. How do you honestly know the bottom, when it is gone. To find out more details on your situation get in contact with someone who can help. The time is good and opportunity is at its greatest level of return so don't let it pass you buy. There are deals so good that you can get positive cash flow of a rental as soon as you take possession of it. That is golden opportunity at it's finest. Have a great day and look forward to hearing your success stories!

Who Has All The Right Answers!

In today's trying times people are wanting to get as much information as they possibly can. I think that is a great thing to do. The one thing that I ask is who are you getting your information from and were are they getting it from? It is easy to go around all puffed up like you know all but in reality all you did was borrow it for better words from someone else. Not saying that you need to find the origional to have the best represantaition. What I do feel you need to do is find some one who acctual has time to help and serve your needs. What does it matter if some one knows everything but never calls you back or keeps you updated. Being informed and having some one who answers the phone when you call will give you peace of mind through one of the toughest transactions you may find yourself in. I once heard Mr Trump say that you could ask him any thing you wanted and he could answer it for you, He did not say he would have the answer for you but he did say he could answer you. What he was trying to say was that he had a team, and he himself does not know everything. But his team could find the answer to anything that you could come up with and that MR. Trump would give you the answer. To me that speaks volumes, trust the know it all who is to busy or look to the guy that says he is human and that no matter what it takes he will find the answer and give you the comfort of being there to answer his phone. I find it funny that there are so many out there that have not made it part of there business to answer there phone when they work in a perfesion that involves dealing with people!

All Are Starting To See The Truth, Praise GOD!

Blaise Pascal, the great mathematician and philosopher, suggested living as if there is a God is a better wager than living as if there is no God. This has come to be known as "Pascal's Wager"....

Here is the wager, written out: If you live as if God doesn't exist and you're right, you just die and go to the grave. But if you live as if God doesn't exist, and you're wrong, you go into eternal misery in hell. Conversely, if you live as if God does exist and you're wrong, then you would just die and go to the grave. But if you live as if God does exist and you're right, you have just hit the jackpot for an eternity in paradise in heaven.

Pascal's point was: Why not take a gamble that there is a God? If you're wrong, you've lost nothing, and you've had a good life here. But if you're right, and God is real, you'll have eternity to be thankful that you chose wisely. We gamble everytime we get into a car or an airplane, use an appliance, or eat at a restaurant. So why wouldn't we gamble on this where there is everything to gain and nothing to lose!

Those who know Christ have much to gain. Those who do not know Christ have everything to lose. SEEK THE TRUTH!

If you seek Me with all your heart, you will find Me...Deuteronomy 4:29

Market update for 10-14-08!

Are you out there wondering what the market is doing and if you should be sitting around waiting longer for the market to fall? I feel the hole point of waiting to buy is to get a good deal, right? Then why are you not stepping of tghe fence and taking action. The market is moving out there wether you are with it or not. I tell people if the market was going to loose more value and momentum the why are homes being overbid on. You would think that the homes would be going for less than they are listed for. Do not get me wrong though, if you are looking for homes that are $450,000 and above then things are a little different. Right now I am talking to first time buyers. At my open house this weekend I was noticing that all the people coming through except 2 couples were investors looking at the good deals. They are out there taking action, homes priced below $350,000 right now are hot in Southern California. I am talking about my local area. First time buyers that have done the right things to get prepared for a home purchase are loving it right now with all the deals out there. I meet a lady across the street from my open house that almost came to tears. My home was listed at $337,900 and she lived in the exact model match. She payed over $650,000 just under 3 years ago. This is going on across the board right now. How can anyone say that half price homes are not a good deal. I am also watching trend graphs real close and I have been seeing the market starting to get stronger. As you all know that willbegin to drive prices up. The lenders out there are also saying for the qualified buyers that there is enough money to lend still at a good interest rate. Once the money starts to run out it is going to turn into a supply and demand situation, again that is going to drive up interest rates. So you make the choice, take action or watch the market turn on me before I take action.
http://realtytimes.com/REUv/JohnInglis

Foreclosure Hot Spot!

I wanted to make a spot where people could go to find all the good deals that are out there. There is only one problem with that, and that is by the time I post the properties on my sites and people inquire about them there are already to many offers on them. So my goal is to educate you on what the market is doing so you can see for yourself. The buyers are out there right now in full force buying up all the good deals while everyone else is sitting at home waiting for the bottom to fall out. Over the past 40 or so years I have looked back on with various friends and associates I have started to notice a pattern. The last couple of times the stock market has gone through some serious losses as we are seeing right now, the real estate market would usually see some better days. That is what we are seeing now, the money is going out of the stock market and back into real estate. If this were not the case we would not see homes that are priced right getting over bid on. Common sense would say if the market is getting worse than so would the prices, homes would be selling for far less than they are listed for. Do not get me wrong, we are still seeing that now, but it is on the homes that are over priced in the first place. I am focusing on great deals, the ones everyone is looking for. So instead of putting a bunch of homes on here to get you all excited about,(that will be gone before we get a chance to go see them) I wanted to let you know that I am here to serve your real estate needs. Call or e-mail me for a market report in your area or even for hot deals in your area. I love seeing someones face when I hand them the keys to a home they got a great deal on. My contact number is (951)217-3665 or e-mail at johnm.inglis@gmail.com. Thanks for your interest in this information and look forward to meeting you in the future

New Law To Protect The Unprotected!

Beginning January 1 2009, the Dre can suspend or revoke a real estate license if the licensee generates an inaccurate opinion of value. (BPO or Broker Price Opinion)for a short sale of residential real property to manipulate the lender to reject the short sale to acquire a financial or business advantage, such as obtaining a listing agreement. This new rule aims to stop agents from inflating a BPO in hopes that the lender will reject the short sale, foreclose on the property and give the BPO agent that REO listing. Bill 1737. It would be an amazing thing to see our world if people really cared about customer service and just providing the best they could in the interest of the client. We all know that what comes around goes around and I would becare full of what you are doing. You may not think that you are being watched but trust me, God sees all things and you might get away with it for a while, but it will catch up with you and you are going to not like the outcome. It is so much easier to be honest and to look out for your clients knowing you did all you could to help them. With this in mind the best thing sometimes is to tell people there is nothing you can do for them at this time. And yes that would mean not making any money, but doing the right thing will always come back to reward you in the end.

It Is Against The Law To Text 1-09!

No Text Messaging While Driving: Commencing January 1, 2009, a person driving a motor vehicle is prohibited from writing, sending, or reading a text message, instant message, or e-mail from an electronic wireless communication device. However, a person may read, select, or enter a name or phone number in a wireless device to make or receive a phone call. A violation of this law is an infraction punishable by a base fine of $20 for the first offense and $50 for each subsequent offense. Senate Bill 1613

Emergency Economic Stabilization Act!

Emergency Economic Stabilization Act May Help Homeowners: Enacted on October 3, 2008, this historic federal legislation earmarks $700 billion for the Treasury Secretary to purchase troubled assets from financial institutions. The Secretary and other federal agencies are also charged with the task of mitigating foreclosures for mortgages and mortgage-back securities and encouraging loan modifications. Furthermore, this law strengthens the FHA-insured refinance loans for troubled mortgages under the HOPE for Homeowners program, including authority for the program's board of directors to increase the maximum loan amount above 90% of the appraised value. This bill also extends the tax exemption for debt forgiveness on home loans under the Mortgage Forgiveness Debt Relief Act of 2007 from December 31, 2009 to December 31, 2012. Source: H.R. 1424.

New Law For Agent Effective July I 2009!

DRE License Number Must Be on First-Contact Materials: Effective July 1, 2009, California's real estate agents must disclose their Department of Real Estate (DRE) license numbers on all solicitation materials intended to be the first point of contact with consumers. Examples include business cards, stationery, advertising flyers, and other materials designed to solicit the creation of a professional relationship between a licensee and consumer. Excluded from the law, however, are advertisements in print or electronic media, "for sale" signs, and classified rental ads reciting the address or phone number of the rental property. The DRE may adopt regulations to clarify the first-contact materials covered under this new requirement. This bill also requires agents' license numbers on real property purchase agreements, which C.A.R. has already incorporated into our standard form purchase agreements. Senate Bill 1461

This Is A Good Thing!

Thank you for writing to urge a veto of AB 2567. I appreciate your active participation in the democratic process, and I value your suggestions on how government can better serve the people of California.
I am pleased to inform you that I vetoed this bill after extensive consideration and thorough deliberation of arguments from both supporters and opponents of this issue. The public impact of Harvey Milk's efforts should continue to be recognized at the local level by those who were most impacted by his contributions. My veto message for this legislation may be found on the Official California Legislative Information website: www.leginfo.ca.gov.
Again, I appreciate hearing your opinion on legislation that affects the future of our great state. Taking the time to communicate your views and offer suggestions is essential to good citizenship and good government.
Sincerely,
Arnold Schwarzenegger

10 Ways To Cut Your Energy Bill This Fall.

10 Ways to Cut Energy Bills This Fall

Staying warm doesn't have to cost a fortune. Here are some ideas from the U.S. Department of Energy for conserving heat and saving money.
By Kelly Quigley | October 2008

When the leaves start falling, you know that the heating bills are about to start rising. But keeping your home warm and cozy on chilly autumn nights doesn't have to break the bank.



The U.S. Department of Energy offers these simple tips and relatively inexpensive home improvements that will help ensure cold gusts stay out and your furnace doesn't have to work harder than it should.



The goal: Conserve energy and keep more of your hard-earned dollars in your pocket.



Share these ideas with customers and use them for your own house. After all, who doesn't need to save a little money these days?



1. Plug air leaks with caulking, sealing, or weather stripping. Save 10 percent ($190 per year) or more on energy bills. Focus on windows, doors, outlets or switch plates on exterior walls.



2. Properly maintain the heating system. Heating accounts for half the average family's energy bill (approximately $950 per year). Make sure the furnace or heat pump receives professional maintenance each year. The small cost (about $75-100 for most service calls) will pay back in better performance all year long.



3. Install a programmable thermostat. Programming the thermostat from 72ºF to 65ºF for eight hours a day while no one is home, or everyone is tucked in bed, will cut the heating bill up to 10 percent ($90 per year), paying for a basic unit in less than a year.



4. Seal and insulate heating ducts. A system can lose up to 60 percent of its warmed air before it reaches the register (wasting $570 in warmed air per year) if ducts are not properly insulated in unheated areas such as attics and crawlspaces.



5. Insulate, insulate, insulate. Adequate insulation in the attic, ceilings, exterior and basement walls, floors, and crawlspaces can save up to 30 percent on home energy bills ($630 per year). Focus on the attic. (Heat rises.) Most homes should have between R-30 and R-49 insulation in the attic. Learn more at www.eere.energy.gov/consumer.



6. Close fireplace dampers when not in use. When in use, reduce heat loss by opening dampers in the bottom of the firebox (if provided) or open the nearest window about an inch, close doors to the room, and lower thermostat setting to 50-55ºF.



7. Let the sun shine in. Open curtains on south facing windows during the day to allow sunlight to naturally heat the home, and close them at night to reduce the chill from cold windows.



8. Stay out of hot water. Water heating accounts for 15 percent of household energy use. Reduce water heating costs by lowering the water heater’s thermostat setting. Each 10ºF reduction can save between 3-5 percent in energy costs. Also insulate the hot water heater and hot water pipes.



9. Install storm windows over single-pane windows or replace them with Energy Star qualified windows. Storm windows reduce heat loss by 25 to 50 percent, and storm windows with low-e coating that reflect heat back into the room during the winter months save even more energy. Look for the Energy Star label to maximize savings. Energy Star qualified windows reduce heating and cooling bills by an average of $345, but could be higher in cold and hot climates, compared with uncoated, single-pane windows. Can’t afford new windows just now? Tape clear plastic sheeting to the inside of window frames if drafts, water condensation, or frost are present.



10. Net big savings with a little label. When replacing appliances, light bulbs, electronics, or heating and cooling systems, cut energy bills by up to 30 percent ($600 per year) with Energy Star labeled products. Use compact fluorescent light bulbs (CFLs) in place of comparable incandescent bulbs. Find retailers at www.energystar.gov.



These and other improvements that impact the energy efficiency of a home can save home owners money in the short term and serve as a selling point to potential buyers later. Be sure to save receipts, documentation, and manufacturer’s information.



Not sure where to begin? Try the Department of Energy's online energy audit tool at www.hes.lbl.gov. In the long run, a whole-house energy audit is a fool proof way to make a plan to address wasted energy and make a home operate efficiently for years to come. Visit www.natresnet.org to find a qualified auditor in your neck of the woods.

Bank Of America taking a stand to fight forclosures!

NEW YORK (CNNMoney.com) -- A plan announced today by Bank of America will be the most aggressive foreclosure prevention effort ever undertaken by a U.S. bank.



The program, scheduled to start in December, will be open to distressed borrowers who signed up with Countrywide Financial between January 1, 2004 and December 31, 2007. Countrywide was acquired by Bank of America (BAC, Fortune 500) in July.



It came in a legal settlement that the company entered into with the attorney general offices of 11 states, who had sued Countrywide over predatory lending practices, but the company stated that borrowers in all 50 states will be eligible to participate in the program.



"The Countrywide settlement is a watershed moment for loan modification programs," said Mark Pearce, North Carolina's Deputy Commissioner of Banks and a member of the State Foreclosure Prevention Working Group. "This is, by far, the best [program ever], even better than the FDIC program with IndyMac Bank."



As part of the initiative, Bank of America will cut monthly housing payments, including mortgage, property taxes and insurance, to no more than 34% of gross income. The move is expected to help keep as many as 400,000 troubled borrowers in their homes.



The program targets holders of subprime adjustable rate mortgage (ARMs), subprime fixed rate loans and option ARMs, but prime and Alt-A borrowers, who did not document their income, will be eligible as well.



No other foreclosure prevention effort has aimed to keep borrowers' house payments so low.



"[The program's] affordability is far better than any other program out there," said Rick Simon, spokesman for Bank of America.



By contrast, the much heralded foreclosure-prevention initiative announced in August by the FDIC for customers of IndyMac Bank, the subprime lender that the agency took over in July, said it will keep borrower payments to no more than 38% of gross income.



"This is the biggest mandatory modification of loans in U.S. history," said Jerry Brown, attorney general of California, the state with the largest number of borrowers who may benefit from the settlement. "Of course, we never saw such a big rip-off by any other company either."



According to Simon, the Countrywide program will proactively screen all of its borrowers for eligibility, and then contact them directly to offer loan workouts. No prepayment penalties or modification fees will apply. But the program can't help every Countrywide borrower. Some, because of illness, divorce, job loss and the like, simply won't be able to afford any reasonable mortgage payment.



Simon added that Bank of America is training personnel and putting systems into place that it hopes will enable staff to deal with a large number of mortgages all at once.

Cheaper than foreclosure



The new program comes with a price tag of $8.4 billion, but Simon says that it will cost much less than foreclosing on homes en masse.



As the credit crisis continues, more and more lenders and mortgage servicers are coming to grips with the fact that preventing a foreclosure is usually cheaper than going through the repossession process and then reselling the property in a declining market.



Depending on each borrower's circumstances, Bank of America might freeze or lower a loan's interest rate or even cut the principal loan balance. The bank said it will also participate in the government's Hope for Homeowners program, a provision of the housing rescue bill which went into effect Oct. 1 and makes FHA-insured loans available for delinquent borrowers.



The announcement of the program came on the heels of Friday's approval of the $700 billion Wall Street bailout, a measure which has been criticized for failing to address the foreclosure crisis head on.



The hope is that other lenders and servicers will follow Countrywide's lead.



"Now that we've gotten this with Countrywide, I would expect that we'll be talking with other major servicers to implement similar programs in the near future," said North Carolina Deputy Commissioner of Banks Mark Pearce, who worked on this settlement.



But he and other members of the the State Foreclosure Prevention Working Group have been pushing other lenders to do something this drastic for months, without much luck.



"So far, they have failed to show the leadership required to get it done," said Pearce. "I hope, having the market leader do this will spur the other servicers to greater action."

Realty news with a possitive outlook!

Hello Everyone,

I made a post last week on realty news with a positive spin on it. If you liked the information given in that post then save the link to see the new information. The information is updated every week for you to view and stay up to date on what is going on. Thank you for taking the time to look at this post and its information. I hope it is helping you in this tough time of real estate. I do know a lot of people have put there money in real estate and are wishing at this point they didn't. Good times are on there way again so don't loose hope for the better times to come. Cut and paste to view. http://realtytimes.com/REUv/JohnInglis

Halloween is going to suck this year!

Proposed new Bail Out!

The New bail out! (edit/delete)

We have all heard that Friday the bail out bill goes back to be voted on one more time. They have maid the needed adjustment to make everything work this time so we here. What does that mean for our buyers and sellers out there. To be honest with you I would be a little concerned about listening to anyone that says they know what is going to happen. Nothing is in concrete unless you have heard it from the mouth of GOD. If that is the case then do not hesitate to take action. For everyone else all we can do is make an educated decision and ride it out. For the most part it is going to create opportunity for people to still be able to get loans. Which is good for buyers and sellers, is it going to raise or lower the home prices. That is yet to be seen and after seeing the report of homes on the market in multiple area I would have to say there are a lot more homes for sell than buyers. That would lead me to believe that home prices are going to stay were they are or even fall a little in certain areas. On the other hand some areas are starting to see supply and demand getting a little closer in ratio which in turn will drive up home prices. It is best to seek the council of your local trusted real estate agent and to get as much helpful information you can on making an educated decision. The one thing to keep in mind is that you may buy a home and see the prices in that area fall some more. But ask yourself, is that little bit of loss better than getting down the road and realizing that getting a loan is not an option anymore. Or get the chance down the road to save some money on that home you were thinking about but have to pay a high interest rate making your payment even higher than it would have been. The hole point with investment homes is to try and get one that is breaking even or putting money in your pocket as soon as you take possession of it.

"Why buy this house"

A positive reason to look at why I should buy this home now.Your "Why Buy This House" Newscast is now available at:

http://realtytimes.com/newscastt/JohnInglis

Bail out gone south!

I have so many people trying to get me to tell them what this market is going to do after the bail out failed. There are a few different things going on that we need to take into consideration. One is no one knows the future except GOD and he is most likely not going to tell us. The other one is my response or someone else's response is only an opinion and can not be taken literally. It is only what we think is going to happen and it has no direct bearing on the way the market will actually go. Now that we got that out of the way let me give you my opinion. What I feel is that the government is buying up these loans from the banks for pennies on the dollar, which allows the banks to turn around and lend more money to consumers who want to purchase homes. If the government buys all these home loans from the bank is that going to drive down or push up the prices. I do believe we are in a financial crisis and I do not think the government is going to give these homes away. Not to mention the fact of supply and demand, if the banks are ruining out of money to lend out for people to buy interest rates are going to go through the roof. So you may be right on prices coming down a little but the likely hood of getting qualified to buy or even at an interest you are willing to pay will become the new question. That brings me to what i think about the market, I think now is still a great time to buy. You do not want to be competing on buying homes in a market that has bottomed out. The competition will be so strong it will drive up prices on the homes you are interested in. If the interest rates are going to go up over the next few years in one way or the other it is still going to add to the expenses of buying and owning a home. The best thing to do is trust your instincts and find a realtor you can trust, make an educated decision and move forward. It is better to look back and say we could of got a little better of a deal than looking back saying we should have done something.

Realty news with a possitive outlook

I know these days we are flooded with negative information on what the market is doing. I say enough doom and gloom, our office has sold 121 homes so far this month. I choose to be a glass half full kind of thinker. Cut and paste this link to view some upbeat news about what is going on.


http://realtytimes.com/REUv/JohnInglis