It’s the 2015 Peak Home Selling Season!

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Michael Koenig and Maureen Torretto discuss the current real estate market. What market dynamic plays a huge part in determining when to sell your home? Find out by watching.

Maureen Torretto, Loan Consultant with iMortgage.
Email: maureen.torretto@imortgage.com
Phone: 925-577-8706

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Home Buyer Tips: Things NOT to Do When Buying

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Michael Koenig and Maureen Torretto discuss some home buyer tips. What things should you NOT do when purchasing home. Find out by watching.

We’ll follow this up with a what TO DO list of things to consider when buying a home.

Maureen Torretto, Loan Consultant with iMortgage.
Email: maureen.torretto@imortgage.com
Phone: 925-577-8706

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3% and 5% Low Down Conventional Loans are Back!

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Michael Koenig and Maureen Torretto discuss two conventional loans that require only 3 or 5 percent cash down! Yes, they are back. There are some limitations. Watch for more info.

Worrying about Limited Funds for a Down Payment or Closing Costs? It is well known that the primary barrier to homeownership for first-time home buyers has been saving enough money to make a sizable down payment and cover closing costs. Now, thanks to Fannie Mae, you may not have to stress about this key factor in realizing your dream of homeownership…

Maureen Torretto, Loan Consultant with iMortgage.
Email: maureen.torretto@imortgage.com
Phone: 925-577-8706

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Low Down Payment Conventional Loans Are Back!

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Michael Koenig and Maureen Torretto discuss a low-down payment conventional loan that requires only 10% down, affectionately known as an 80-10-10.

Stay tuned, as we’ll be discussing other loan products soon.

Maureen Torretto, Loan Consultant with iMortgage.
Email: maureen.torretto@imortgage.com
Phone: 925-577-8706

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It’s Time to Upgrade! How to Buy and Sell Your Home Simultaneously.

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Michael Koenig and Maureen Torretto discuss the steps involved in upgrading your home. How to sell your home and buy another at the same time!

There are 4 great reasons to upgrade now:
1. There is less competition.
2. The Process will be quicker.
3. Best Possible time to Move-Up.
4. Home Prices are Peaking

There used to be five, now there are four. Don’t forget to calculate your Purchasing Power! Hint, this has everything to do with low interest rates.

Maureen Torretto, Loan Consultant with iMortgage.
Email: maureen.torretto@imortgage.com
Phone: 925-577-8706

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Aerial Video Marketing Now Standard!

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It’s 2014. We’ve seen housing bubbles form and then burst.
We’ve seen the dot.com boom and bust.

One constant in the real estate market, is that there is a continual transformation in the way properties are listed, sold and marketed to the public.

It used to be, Realtors were happy as clams just to get their listings faxed out to prospective buyers. Well, we’ve come a long way from thermal paper with baked-in black-n-white photos, baby!

 

Estate in the Hills
Do you own a property in a great neighborhood?

Is your home located in a serene or magnificent setting?

Is your location  truly what sets it apart from the rest?

Does your estate have a truly awe-inspiring landscape that took  years (and megabucks) to perfect?

Then allow me to sell those features for you! Those ordinary terrestrial based photos just aren’t going to cut it anymore.

If you’re looking to get top dollar for your home, then it needs to be marketed as such! Why settle for mediocrity in marketing.

With AirPixBot technology, we’ve got the power and ability to lift your listing above the rest.

Ask me how we can unleash our marketing prowess for you.

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Home Improvement Projects That Pay You Back!

Home Improvement Proejcts That Pay You Back

Home Improvement Proejcts That Pay You Back

 

 

When Is The Best Time To Check Home Insurability?

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Michael Koenig and Dale Edelmann discuss when it would be the best time to check insurability of a house during the home buying process. The answer may not shock you!

The 2014 Real Estate Market Outlook

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Michael Koenig and Dale Edelmann discuss the outlook for the real estate market for 2014.

 

Huge Win For California Distressed Home Owners

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shutterstock_119270362IRS and California Franchise Tax Board declare California distressed home sellers not liable for federal or state income tax on short sales

LOS ANGELES (Dec. 4) – The CALIFORNIA ASSOCIATION OF REALTORS®’ (C.A.R.) announced today it received a letter from the California Franchise Tax Board (FTB), obtained by Board of Equalization (BOE) member George Runner, clarifying that California families who have lost their home in a short sale are not subject to state income tax liability on debt forgiveness “phantom income” they never received in a short sale.

Last month, in a letter to California Sen. Barbara Boxer, the Internal Revenue Service (IRS) recognized that the debt written off in a short sale does not constitute recourse debt under California law, and thus does not create so-called “cancellation of debt” income to the underwater home seller for federal income tax purposes.  Following the IRS’s clarification, C.A.R. sought a similar ruling by the California FTB.  Now with the FTB’s clarification, underwater home sellers also are assured that they are not subject to state income tax liability, rescuing tens of thousands of distressed home sellers from California tax liability for debt written off by lenders in short sales.

“We are pleased with the recent clarifications issued by the IRS and the California Franchise Tax Board, which protect distressed homeowners from debt relief income tax associated with a short sale in California,” said C.A.R. President Kevin Brown.  “We would like to thank Sen. Boxer and BOE member Runner for their leadership in obtaining this guidance from the IRS and FTB.  Distressed California homeowners can now avoid foreclosure or bankruptcy and can opt for a short sale instead, without incurring federal and state tax liability, even after the Mortgage Forgiveness Debt Relief Act of 2007 expires at the end of this year.”

Leading the way…® in California real estate for more than 100 years, the CALIFORNIA ASSOCIATION OF REALTORS® (www.car.org) is one of the largest state trade organizations in the United States with 165,000 members dedicated to the advancement of professionalism in real estate. C.A.R. is headquartered in Los Angeles.

Ok. Now What?
Fill out the contact form below, to setup a discreet and confidential appointment to discuss your options. We are reputable Realtors licensed in California. Before you pay anyone to assist you, see if we can help. Our fees are paid by the lender, if you choose to do a Short Sale.

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Disclaimer: I am by no means an attorney or a tax professional. As always, consult your attorney and tax professional for specific questions! And if you think it will help to consult your politician, well… knock yourself out!