**************************
I have a client who has been pre-approved for $180,000 and is looking at two homes.
House #1 - He is considering an offer at $180,000
House #2 - He is considering an offer at $184,000
The difference in sales price is equal to only about a $20 per month difference in the monthly payment. But guess what? The actual difference in payment between these two homes is over $300 per month!
Do you know why?
One property has incredibly high Mello-Roos/Special Assessment property taxes and the other property does not … and these two properties are less than a mile apart!
This is something most agents and even many loan officers are completely oblivious to and never bother to check. They just tell the buyer, “Oh, the county property tax rate is 1.08%.”
Sure it is, but that doesn’t include the Mello-Roos. In my book, taxes I have to pay are … well, taxes-I-have-to-pay. I don’t care how they’re dressed-up or what name they’re called.
So for the misinformed and unsuspecting homebuyer: They buy the home of their dreams thinking their monthly payment is $X. Then, six months later they get hit with a supplemental tax bill for an additional $3,000!
Next, they get a letter from the mortgage company informing them that their monthly payment is going up by $250 per month in order to balance their impound account!
Not cool!
Moral of the story? I will NEVER let that happen to you or to those you refer.
Hope you have a great weekend and please call me if I can help you with anything at all.
Ken
951-760-3833
KenAHall@gmail.com
**********************
Saturday, March 26, 2011
Monday, March 21, 2011
Harvestion in Temecula! 5 bedrooms, 4 baths, 3,311 Sq Ft
*************************
This is our newest bank-owned property in the beautiful planned community of Harveston in Temecula.
************************
Bank-owned!! Harveston Community!! Cul-de-sac!! 5 bedroom, 4 full bath
Price: $329,000 - $359,000
Property Type: Single Family Residence/D
Bedrooms: 5
Bath(F,T,H,Q): 4,0,0,0
Sqft/Source: 3,311
Sqft Lot/Source: 7,405
Cross Street: Harveston and Margarita
Stories: Two Level
Year Built: 2005
Bank-owned!! FULL REMODEL IN PROGRESS! Fast close of escrow!! Harveston Community!! 5 bedroom, 4 full bath 2 story home on a cul-de-sac. Built in 2005, 7,405 lot square feet. $142 monthly HOA dues. 3 car attached garage with direct entry to home. Too many upgrades.
Harveston is a wonderful world of amenities including a large lake, boats, parks, walking trails, a sports park, splash park, community pool, banquet facilities, and more. Close to schools, shopping, both 15 and 215 freeways, casino's, golf, and more. It doesn't get much better than this! Hurry!
************ LOW CREDIT SCORE OK!! **************
********** I WILL ELIMINATE YOUR BAD DEBTS AND RAISE YOUR CREDIT SCORE!! **
************ BUY THIS HOME WITH ONLY 1% DOWN PAYMENT WITH HUD DOWN PAYMENT ASSISSTANCE PROGRAM!!! **************
************ OR 100% FINANCING WITH YOUR VETERAN'S ADMINISTRATION ELIGIBILITY!!!
************ APPOINTMENT ONLY *************
************ NO AGENTS PLEASE! ************
Contact: Ken Hall at 951-760-3833
Check out a few of the many folks we've helped! Click on From Debt To Prosperity www.FromDebtToProsperity.com
Saturday, March 12, 2011
My client just became a victim of FRAUD …
*************************
I was talking with a past client last week and he told me how he just recently became an unwitting victim of fraud.
Specifically, ‘check-washing’ fraud.
‘Check-washing’ is a process where low-life fraudsters steal your mail and erase the ink on a check using common household chemicals. Then, they rewrite the check to themselves. If that wasn’t bad enough, they typically increase the amount payable by hundreds or even thousands of dollars.
My client has no idea how the fraudsters got hold of his check as his neighborhood mail box and it’s out-going mail box showed no signs of break-in. Regardless, they took him for over $2,000.
I first heard about this a couple of years ago and discovered if you use a ‘Uni-Ball Jetstream Rollerball Pen’ to write your checks, this “washing” procedure cannot be accomplished. This is a special kind of ink pen that contains tiny particles of color that get trapped into the paper you write your checks on.
Of course, if you pay all your bills online, then you’re ahead of the game.
You can find the Uni-Ball Jetstream Rollerball pens at any office supply store like Staples or Office Depot and you should store this particular pen with your checkbook so that every time you pay your bills you can use it.
Hope you have a great weekend and please call me if I can help you in any way.
P.S. I’ll be hosting an Open House today (Saturday) from 12 noon – 5 p.m. in the beautiful Harveston Community in Temecula. Beautiful bank-owned home, fully remodeled by the bank and will be listed in the mid $300’s. 28997 Williston Ct.
If you know anyone who might be interested, please call me or send them my way!
951-760-3833
KenAHall@gmail.com
www.FromDebtToProsperity.com
************************
I was talking with a past client last week and he told me how he just recently became an unwitting victim of fraud.
Specifically, ‘check-washing’ fraud.
‘Check-washing’ is a process where low-life fraudsters steal your mail and erase the ink on a check using common household chemicals. Then, they rewrite the check to themselves. If that wasn’t bad enough, they typically increase the amount payable by hundreds or even thousands of dollars.
My client has no idea how the fraudsters got hold of his check as his neighborhood mail box and it’s out-going mail box showed no signs of break-in. Regardless, they took him for over $2,000.
I first heard about this a couple of years ago and discovered if you use a ‘Uni-Ball Jetstream Rollerball Pen’ to write your checks, this “washing” procedure cannot be accomplished. This is a special kind of ink pen that contains tiny particles of color that get trapped into the paper you write your checks on.
Of course, if you pay all your bills online, then you’re ahead of the game.
You can find the Uni-Ball Jetstream Rollerball pens at any office supply store like Staples or Office Depot and you should store this particular pen with your checkbook so that every time you pay your bills you can use it.
Hope you have a great weekend and please call me if I can help you in any way.
P.S. I’ll be hosting an Open House today (Saturday) from 12 noon – 5 p.m. in the beautiful Harveston Community in Temecula. Beautiful bank-owned home, fully remodeled by the bank and will be listed in the mid $300’s. 28997 Williston Ct.
If you know anyone who might be interested, please call me or send them my way!
951-760-3833
KenAHall@gmail.com
www.FromDebtToProsperity.com
************************
Friday, March 4, 2011
After a short sale or a foreclosure, will there be taxes owed on the ‘forgiven debt’?
*************************
I have put together a Special Report that covers this important topic but please understand it is for "informational purposes only." I AM NOT offering legal and/or tax advice.
This is a question that should be discussed in depth with an accountant, CPA or tax attorney who can deal specifically with your particular circumstances.
It is a rather lengthy report so I am not posting it as a blog post. Email me if you would like to receive this information and I will send it to you as a pdf attachment.
If you have a friend or loved one who has gone through a short sale or foreclosure, please do them a favor and pass this on to them.
Have a nice weekend and please call me if I can help you in any way.
951-760-3833
KenAHall@gmail.com
www.FromDebtToProsperity.com
**************************
I have put together a Special Report that covers this important topic but please understand it is for "informational purposes only." I AM NOT offering legal and/or tax advice.
This is a question that should be discussed in depth with an accountant, CPA or tax attorney who can deal specifically with your particular circumstances.
It is a rather lengthy report so I am not posting it as a blog post. Email me if you would like to receive this information and I will send it to you as a pdf attachment.
If you have a friend or loved one who has gone through a short sale or foreclosure, please do them a favor and pass this on to them.
Have a nice weekend and please call me if I can help you in any way.
951-760-3833
KenAHall@gmail.com
www.FromDebtToProsperity.com
**************************
Subscribe to:
Posts (Atom)