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the People Come First Newsletter December 2006 |
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Happy
Holidays! All of Us here at Peoples First, Golden Realty Group
and the FSBO
Connection Program wish you and your family Happy Holidays and a very
Merry Christmas! ------------------------------------------------------------ (See bottom of this e-mail for instructions to
Unsubscribe and Disclaimer.) Dear Friends and Subscribers, 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! 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 12/5/2006*
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|
Loan Type |
|
Apr. |
|
40 Year Fixed Rate |
6.00% |
6.44% |
|
30 Year Fixed Rate |
5.50% |
5.94% |
|
15 Year Fixed Rate |
5.375% |
5.815% |
|
5/1 Arm |
5.375% |
6.688% |
|
3/1 Arm |
5.125% |
6.438% |
|
VA / Govt 30 Year Fixed Rate |
5.875% |
6.315% |
|
VA / Govt 15 Year Fixed Rate |
Call |
Call |
|
Home Equity Fixed Rate |
7.70% |
8.14% |
|
Home Equity Line of Credit Starts
at Prime Rate 8.25% - Up To 80% of Your Homes Value. |
||
|
Lot Loan Interest Rate (90%) |
Call |
Call |
|
Lot Loan Interest Rate (80%) |
Call |
Call |
|
Construction Loan Interest Rate
Available / Call for Details |
||
To Apply – You Can Download Our Mini-Application and Send It To US
Click Here Virus Free
UF
Survey: Insurance crisis
tops list of real estate trends
Read the full story. . .
Click
Here Virus Free
Fewer
Mortgage Applications, Despite Lower Rates
Normally, lower rates mean
application volume rises. This time is different; consumers appear
to be turned off by the slow housing market.
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
Tax
Time and The New Year is Coming – Changes You Need To Know…
Standard Mileage Rate for Self Employed going up to 48.5 cents per mile.
Home Office Deduction: Basic Requirements Defined.
Real Estate Tax Deductions
– Calculate the Correct Amounts.
NEWS
FLASH - THIS JUST IN (12/12/2006)
FEDERAL TAXES
Homeowners who pay less than 20 percent down must many times pay
for PMI, but a law recently passed by Congress makes that cost fully
deductible on income taxes starting in 2007. It applies to new loans for
households making less than $100,000 per year.
Read the full story:
http://www.floridarealtors.org/NewsAndEvents/n1-121206.cfm
If there is a finance question you have, drop us a line. We
will research it for you and will send you the answer.
-----------------------------------------------------------------
Real Estate Hot sheet, News & Tips
-----------------------------------------------------------------
FSBO = For
Link
to our current FSBO Listed Homes
See
the Newest Version
If you know someone looking to buy a home - click
here
Newest
Listings -
Link
to our current Listings of (MLS) Homes
Link
to Golden Realty Group Website
Link
to Golden Team of Agents
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.
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
-----------------------------------------------------------------------------------------------------
ON THE LIGHTER SIDE – Stress Management -
CLICK HERE
----------------------------------------------------------------------------------------------Virus Free
Helpful Web
Links & Tips
- Debt
Smart
– (link) A Great Source For More Financial Tips
- Mouse Tips
Mouse Tips
This is for everyone whose eyesight
isn't what it use to be.
It is very useful when trying to read small 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. A 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 Groups FSBO division is Hiring
Golden
Realty Group is looking to hire 10 Real Estate Agents for its expanding
For Sale By Owner (FSBO) division in
This
program is also expanding throughout the State of
Experience
not necessary.
Ambition, Integrity and Strong Work Ethics is a must.
If interest please call Steve Srein at (321) 253-6116.
It
is Official -
We
are expanding our mortgage operations into the state of
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caused, directly or indirectly by the information contained in this
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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.
"20 Years of Dedicated Service"
2299 Sarno Rd. Suite B
Melbourne, FL 32935
(321) 242-8240
(877) 202-2968 fax
"Where
People Come First"
www.PeopleComeFirst.net
Steve
& JoAnn Srein
Golden Realty Group
Home of the "Award Winning"
FSBO Connection Program
836 Executive Lane, Suite 120
Rockledge
,
321-253-6116
"We Follow The Golden Rule"
www.PeopleSaveMore.net
www.GRGrealty.com