"The Foreclosure Prevention Act, which
passed in July, allocates $4 billion to
cities and states that have been hardest
hit by the surge in foreclosures over
the last year. Recipients will be able
to use the money — which is an addition
to the usual funding for the Community
Development Block Grant (CDBG) program —
to buy foreclosed properties to
stabilize property values. Now, the U.S.
Department of Housing and Urban
Development (HUD) is devising a formula
for distributing the funds for
communities in need."
Steve & JoAnn Srein
the People Come First Newsletter October 2008
Sponsored By
NEWS FLASH
Scroll Down or Click on
Subject of Interest
Inside This Edition
Real Estate News
Foreclosure News
Lending News
Financial News & Tips
Tax & Accounting Tips
Helpful Web Links
Blog Spot (New)
Commentary
Customer Comments
Get Out and Vote
Nov. 4th
See Our Complete Customers
Comments Page
Read About Us
From
The HeartMy passion is helping people. Helping people achieve their dreams. Helping people save money and helping people avoid costly mistakes.
Over the past 30 years, I have consulted with thousands of clients who put their trust in the information provided to them and the companies we represent. It is an awesome responsibility that is not taken lightly.
I realize that the destiny of those we serve are in our hands, and that my friend is a sobering though. Each time I or one of our colleagues meet with people we treat our clients financial matters as if they were our own. It's personal. It's Professional.
We want to thank you for your loyal support all of these years! And for those that have not had an experience working with us and our fine services, we invite you to give us a call and see for yourself. It will be refreshing and rewarding to see that People Really Do Come First!
Steve Srein - Founder
Steve Srein brings his 32 years of banking, financial
and real estate experience together in one easy to read newsletter. Steve
gives you a simple format with links that will help you easily navigate
and understand these important subjects.
JoAnn Srein brings over 12 years of financial and real
estate experience to our team of writers.
You have the best two people in the industry on your side working hard to earn your business.
The goal of the People Come First Newsletter is
to keep you informed with the latest financial and real estate news that
will help you make sound financial decisions.
We strive to save our subscribers and customers MONEY!
Together we invite you to share the People Come First
Newsletter with your friends, family and associates.
Anyone can subscribe by sending us an email to Info@PeopleComeFirst.net
and ask for our newsletter. Or
they can visit www.PeopleSaveMore.net
and click on the Newsletter section.
Click Here for the news
- First Time Buyers Get $7,500 Tax Credit (Just for Starters)
- Price It Right - It Will Sell
- Buy and Bail Schemes
- Consequences For "Walk Away" Borrowers
Click Here for the news
- "Hope For Homeowners" Guidelines (FHA)
- Cities To Get $4 Billion in Foreclosure Aid
- Foreclosure Web Sites and More
NEWS FLASH
NEWS RELEASE 10/29/2008 (Market Watch)
Federal Reserve Slashes Rates
Fed Funds Rate Reduced by half
to 1%
The Prime Rate Falls to 4%
What Does That Mean To You? -
BankRate.com
10/29/2008
See How The Bond Market is Reacting -
Click Here
Click Here for the news
- The Latest Wholesale Mortgage Rates
- Cost of Getting A Government Loan Goes Up
- Now Is A Great Time To Buy
- VA Loan Limits Raise From $417,000 to $729,000
Click Here for the news
- Using The Web to get Your Finances in Order - USAToday.com
- Bank of America To Modify Your Troubled Loan? - Realtor.org
-
Click Here for Tips
- Is Your Hobby a For-Profit Endeavour?
- Identity Theft and Your Tax Records
- History of Tax Rates Since 1913 - Tax Foundation
- Need Bookkeeping Help? We Can Help!
Click Here for more links
- With the help of our subscribers and other resources, we have
gathered many helpful and useful web links and we bring them to you
in one great web page.
Click Here
- Area Links, Hot Links with More Resources
Click Here
- Commentary on Finance and Real Estate Markets.
With over 33+ years in the financial industry, we will provide you with insight and history on how we got where we are now and where the chain of events could lead us.
Click on Links Below
For Your Finance & Mortgage
Needs
Hungry Yet?
Enjoy Your Reading!
Real Estate News
Rob Martin - Broker
Golden Realty Group
Steve, Sassy, Jasmine
& JoAnn
- First Time Buyers Get $7,500 Tax Credit
Washington - First-time homebuyers should begin planning now to take advantage of a new tax credit included in the recently enacted Housing and Economic Recovery Act of 2008. Click Here to Read IRS Notice
-
There are many theories on how to tell if you have an overpriced listing. I keep it simple. First, I ask them if they really have to sell the home...
Read More Here (acrobat reader)
- Buy and Bail Schemes
"Some borrowers who are struggling to pay their mortgage and are dealing with big drops in property values are avoiding their problems by committing what some call fraud – and others call smart." Read Complete Article at Realtor.org
- Consequences For "Walk Away" Borrowers
"The government and the lending industry are taking aim at “walk-away” home owners who stop making payments and months later send the house keys back to their lender." Read Complete Article at Realtor.org
Back to Top
FSBO
& golden Realty Groups Products & links
FSBO = For
Flat
Fee Mls Service
Full Service Mls At Reduced Commissions
Link
to FSBO & MLS Homes
Link
to Golden Realty Group Web Site
Need
A Rental - Look Here
(Brevard County, Florida)
Rental Special of the Month
826 Orange
Blossom Drive, Melbourne
Owner Takes $100 off Rent/Month
If Rented by 11/24/2008
If you know someone looking to buy a home in
Florida, North Carolina or South Carolina - click
here
Foreclosure News
- "Hope For Homeowners" Guidelines (FHA)
October 1, 2008
"BUSH ADMINISTRATION LAUNCHES "HOPE FOR HOMEOWNERS" PROGRAM TO HELP MORE STRUGGLING FAMILIES KEEP THEIR HOMES." Detailed Program Eligibility Requirements Announced.
Read Complete Article at Hud.gov
- Cities To Get $4 Billion in Foreclosure Aid
- Foreclosure Web Sites and More - These are our three
favorite web sites where we can get FREE information.
http://www.all-foreclosure.com/foreclosures.htm
www.Foreclosures.com (added - 3/7/2008)
More Hot Links
Lending News
- The
Latest Wholesale Mortgage Rates
(*Rates subject to change without notice)
Interest Rates May Vary Slightly Based On Your Area of the County
Click Here for Current Mortgage Rates & Programs
To Apply – You Can Download Our Mini-Application
and Send It To US Click Here (Virus Free)
- Cost of Getting A Government Loan Goes Up
August 28, 2008"WASHINGTON - Borrowers who take out government-insured mortgages will have to pay higher fees under new rules announced this week."
Read Complete Article at AZCentral.com
- Now Is a Great Time to Buy
"This fall could be a particularly great time for first-time or buyers long out of the market to jump in, say a variety of real estate professionals.
Here are the reasons why:"
Read Complete Article at Realtor.org
- VA and FHA Loan Limits Raise!
- Extra Bonus - Find The Estimated Current Value of Your
Property by Using These Web Sites.
www.Cyberhomes.com
www.eppraisal.com
Click on Links Below
For Your Finance & Mortgage
Needs
Hungry Yet?
Financial News & Tips
If you have a story or experience to tell, send us
an email
Click
Here
Your experience or story may help or inspire someone else that is
experiencing the same situation or may prevent someone from making the
same mistake.
- Using The Web to get Your Finances in Order -
"House prices are falling, and the cost of gas and food is on the rise. Specialized software and sites can help you manage these financial changes. And if you use the right resources, it won't cost you a thing."
Read Complete Article at USAToday.com
- Bank of America To Modify Your Troubled Loan?
October 6, 2008
"Bank of America on Monday said it is launching a "home retention program" on Dec. 1 to modify troubled mortgages for nearly 400,000 customers of Countrywide Financial Corp."
Read Complete Article at Realtor.org
A very useful tool to help determine your credit score without the cost of paying for a credit bureau. Still one of the best kept secrets.
We Are Serious About Saving You Money!
- Is Your Hobby a For-Profit Endeavour?
June 23, 2008
"The Internal Revenue Service reminds taxpayers to follow appropriate guidelines when determining whether an activity is engaged in for profit, such as a business or investment activity, or is engaged in as a hobby."
Read Complete Guideline at IRS.gov
- Identity Theft and Your Tax Records
"The IRS does not initiate communication with taxpayers through e-mail. Before identity theft happens, safeguard your information."
Read Complete Article at IRS.gov
- History of Tax Rates Since 1913 - Tax Foundation
To see a complete history of income tax rates since 1913 at
TaxFoundation.org
- Need Bookkeeping Help? We Can Help!
Bookkeeping Services Starting at low as $15.00 Per Hour
Quarterly Tax Preparation Starting as low as $25.00 Per Return
QuickBooks & QuickBooks Pro Qualified
25 Years Bookkeeping Experience
Don't forget about tax season! Its just around the corner. Save and we beat their costs hands down.
- Tax Season Is Just Around The Corner. Now is The Time
To Start Planning.
We can help and we can save you more!
Our fees are much lower than the competition!
- 1040EZ $35.00
- 1040A - $70.00
- 1040 - $90.00
Includes 2 Schedules
$5.00 for each addl Schedule- E-File - $15.00
- With the help of our subscribers and other resources, we have gathered many helpful and useful web links and we bring them to you in one great web page. Click Here
- Area Links, Hot Links with More Resources
- Here Are Some Helpful Links:
Need help finding home owners insurance in Florida? Check Here
Resource for answering financial questions. Click Here
Keep Up with latest news - DrudgeReport.com
See which banks or lenders are in trouble - Ml-Implode.com
Need A ParaLegal?
- Commentary on Finance and Real Estate Markets
"Is Now The Right Time to Buy or Sell?"Yes - For many it is the right time to buy or sell.
Why? Home prices have dropped to their lowest levels since 2002. Interest rates are far lower than experts would have expected with the current lending industry climate. That means opportunity for Buyers and Sellers alike. Let’s look at what it means for Buyer and Sellers.
Buyers: Interest rates are at an all time low. Housing prices have dropped considerably due to the number of short sales and foreclosures. This gives way to the opportunity to buy a home at about the same monthly payment that you pay for rent. Property taxes and home owners insurance rates are coming under control and there’s are more lending incentives to help. Like the IRS $7500 tax credit for first time home buyers.
Sellers: If you have been waiting to sell because you think property values will go up any time soon, think again. Now is the time when you will get the most out of the equity in your home and we can help with one of our Real Estate savings programs. History lessons show when we are in a market like now, it takes several years before property prices rebound. If your neighborhood has a large number of short sales or foreclosures, this puts pressure on lowering the values in your neighborhood. So, Act Today.
Give us a call today, we will help guide you through the process with ease. (321) 242-8240 or (321) 243-4892.
Next Issue - "Who Cares" - The Investment Banker? The Lenders? The Borrowers? The Sellers? Who Cared when we were in our "hay day?"
- Your comments are very important to us. Others that we have the opportunity to serve would like to hear what you have to say. That's why we created our online Customer Comments page.
Herb & Amber - Merritt Island, FL
- Click Here to read more of our Customers Comments
South Carolina
Main Office:
ATLANTIC HOME MORTGAGE
4209-A Mayfair Street
Myrtle Beach, SC 29577
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Thank You for your
continued support.
Steve
& JoAnn Srein
In Florida
People's First Financial Services, Inc.
"Dedicated Service Since 1986"
2299 Sarno Rd, Suite B - Rear
Melbourne, FL 32935
(321) 242-8240
Fax (877) 202-2968
"Where People Do Come First"
www.PeopleComeFirst.net
Golden Realty Group
Home of the
"Award Winning"
FSBO Connection Program
836 Executive Ln, Suite 120
Rockledge, FL 32955
(321) 243-4892
"We Follow The Golden Rule"
www.PeopleSaveMore.net
www.GrgRealty.com