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The People Come First Newsletter October 2006 |
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Dear Friends: The goal of the People Come First
Newsletter is to keep you informed on financial and real estate matters
that could impact your life. It
is also designed with one thing in mind – Saving our customers and
subscribers MONEY! We strive
to bring you up-to-date information that can and will help you
make financial decisions. We invite you to share the People
Come First Newsletter with your friends, family and associates.
Anyone
can subscribe by sending an email to fsbopeople@aol.com
and ask for our newsletter. We hope you enjoy this issue! Special Editing Notes – Our newsletter format has also
changed. We have shortened
the number of pages by creating links to the articles.
Click on the link and you will be directed to a specific website
or a link will open an Acrobat Reader format. Your
pages will load faster if you leave Acrobat Reader open. You must have
Acrobat Reader to view and save these files. You
can also “right” click on the link and download the articles. ---------------------------------------------------------------------- Quotes for Today Financial News & Tips
Real
Estate Hot Sheet, News & Tips
On the Lighter Side Helpful Web Links & Tips
Testimonies and Sponsors
---------------------------------------- The
Latest Mortgage Rates – as of 10/3/2006*
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Loan Type |
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Apr. |
|
40 Year Fixed Rate |
6.25% |
6.69% |
|
30 Year Fixed Rate |
6.00% |
6.44% |
|
15 Year Fixed Rate |
5.75% |
6.19% |
|
5/1 Arm |
5.76% |
6.688% |
|
3/1 Arm |
5.625% |
6.438% |
|
VA / Govt 30 Year Fixed Rate |
6.00% |
6.44% |
|
VA / Govt 15 Year Fixed Rate |
6.00% |
6.44% |
|
Home Equity Fixed Rate |
7.35% |
7.68% |
|
Home Equity Line of Credit Starts
at Prime Rate 8.25% - Minus .25 Loans
Up To 80% of Your Homes Value. |
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Lot Loan Interest Rate (90%) |
Call |
|
|
Lot Loan Interest Rate (80%) |
Call |
|
|
Construction Loan Interest Rate
Available / Call for Details |
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To Apply – You Can Download Our Mini-Application and Send It To US.
Click
Here Virus Free
HomeOwners Insurance Alert
Gov. Jeb Bush said yesterday
that he plans to call a special session
of the Florida Legislature, possibly as early as October, to confront
the state's insurance crisis.
UF
Survey: Insurance crisis
tops list of real estate trends
Read the full story. . . Click
Here Virus Free
Fewer
Mortgage Applications, Despite Lower Rates
MORTGAGE
STRUGGLES – FL Real Estate News
In recent years, many homebuyers embraced option ARMs, interest-only
mortgages and piggyback loans, which respectively allow borrowers to
make a minimum monthly payment. But now, rising interest rates are
taking a toll on family budgets and causing mortgage problems.
Foreclosure
News – The Deals are Coming!
Read the full story. . .
Click
Here Virus Free
If
there is a finance question you have, drop us a line.
We will research it
for you. We will send you the answer.
-----------------------------------------------------------------
Real Estate Hot sheet, News & Tips
-----------------------------------------------------------------
FSBO = For
See the Newest Version
If you know someone looking to buy a home - click
here
Current
Listing -
Link
to our current Listings of (MLS) Homes
Link to Golden Realty Group Website
Link to Golden Team of Agents
Home
Sales Statistics –
Florida
Mirroring
a national pattern,
Florida
's housing sector continued to show signs of adjustment in August. A
total of 14,736 existing single-family homes sold last month, a decrease
of 34 percent from the 22,421 homes
sold during the previous August. The statewide existing-home median
price remained unchanged at $248,400 last month.
Pricing
Your Home Gets Trickier –
Read the full story. . .
Click
Here Virus Free
Quick
Tip –
If your home is not getting enough showings in a 30 day period, consider
lowering your price by 5% to 10%.
AN
OFFER YOU CAN'T REFUSE
A good home in good condition in a good neighborhood offered at a fair
price will still sell in a reasonable amount of time, experts say. But
in today's market, some owners want to offer a little extra incentive to
help their home sell as quickly as possible. Here are some suggestions:
• Pay homeowners association fees for up to two years.
• Pay the buyer's home insurance for up to a year.
• Offer a bonus to the buyer's agent.
• Buy down the mortgage rate by a percentage point or two to
lower the buyer's monthly payment.
• Pay closing costs.
• Replace all the appliances with new ones
Source: St. Petersburg Times, Judy Stark (08/19/06)
© Copyright 2006 INFORMATION, INC. Bethesda, MD
(301) 215-4688
Know
the Property Taxes. . . Before
and After You Buy!
Many
home buyers are quick to purchase a house they believe is in their price
range, but they do not think about the increase in their property taxes
shortly after they buy the house. Property
taxes can increase because the property tax is automatically re-assessed
at the new purchase price. When
your taxes increase so will your monthly payment. Sometimes this
increase to your monthly payments can make or break you.
For
a quick tax estimate, in
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ON THE LIGHTER SIDE – Stress Management -
CLICK HERE
---------------------------------------------------------------------------------------------------
Virus
Free
Helpful
Web Links & Tips
- Debt
Smart
– A Great Source For More Financial Tips
- Mouse Tips
MOUSE
TIP -
This is for everyone whose eyesight isn't what it use to be.
It is very useful
when trying to read small and e-mail print. If you hold down the Ctrl key on
your key board and turn the small wheel in the middle of your mouse, the
print size will change - it will either get larger or smaller -
depending on which way you turn the wheel.
---------------------
Testimonies
---------------------
PFFS
has been a “God Send” to us. We
first used an internet service and lost $400.
PFFS made our refinance a pleasurable experience. J
& B DeLoach –
They
made our first home buying experience easy and non-stressful.
They worked so hard to make sure we got into the home of our
dreams!!
M. Mucci –
----------------------------
We Are Hiring –
----------------------------
People’s First Financial Services is Hiring
Peoples
First is looking to hire 6 licensed Mortgage Brokers for its expanding
marketing program in
Experience
not necessary. License is a must.
Ambition, Integrity and Strong Work Ethics is a must.
If interested please call JoAnn Srein at (321) 242-8240.
Golden
Realty Group's FSBO division is Hiring
Golden
Realty Group is looking to hire 10 Real Estate Agents for it's expanding
For Sale By Owner (FSBO) division in
Experience
not necessary.
Ambition, Integrity and Strong Work Ethics is a must.
If interest please call Steve Srein at (321) 253-6116.
The
author shall have neither liability nor responsibility to any person or
entity with respect to any loss or damage caused, or alleged to be
caused, directly or indirectly by the information contained in this
email newsletter and/or at the www.PeopleComeFirst.net
website or its affiliates. The information, methods and techniques
described may not work for you and no recommendation is made to follow
the same course of action. Every effort has been made to verify the
accuracy of all content contained herein. However, there may be
mistakes; typographical, mathematical, or in content. This email
newsletter has been created for your entertainment only. You must always
seek the proper professional advice before taking any financial or legal
action.
Thank You for your continued
support.
Peoples
First Financial Services, Inc.
2299
Sarno Rd. Suite B
Melbourne, FL 32935
321-242-8240
321-253-0492 fax
www.PeopleComeFirst.net
Golden Realty Group
1423 S.
Patrick Dr, Ste A
Satellite
Beach,
FL
32937
321-253-6116
Corporate Office –
Rockledge
,
FL
www.PeopleSaveMore.net
www.GRGrealty.com
321-253-6116
Corporate Office –
www.PeopleSaveMore.net
www.GRGrealty.com