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We
Are Serious About Saving You Money!
The cost of gasoline along with
other necessities are quickly on the rise, isn't time we start getting
serious about saving money? We at the People Come First team are
always searching for ways of saving you more!
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Steve Srein brings his 31 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 11 years of financial and real
estate experience to our team of writers.
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 and investment 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 fsbopeople@aol.com
and ask for our newsletter. Or
they can visit www.PeopleSaveMore.net
and click on the Newsletter section.
We hope you enjoy this issue!
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Quotes for Today
Quote, "There is no class of people in the world, who have such
good memories as creditors." -- P.T. Barnum DebtSmart
(2/5/2008 issue)
What's On Consumer's Minds These
Days?
Scroll Down To See Complete
Stories
Real Estate
News & Tips
- Great
Time To Buy - Six Signs
- Price
It Right
& It Will Sell
- Best
Gifts to Give Buyers
- Safety
Alert -
Foreclosure News & Tips
- Foreclosure
Resources for Consumers
- Forecloses
Impact Entire Neighborhoods
- Foreclosure
Web Sites & More
Lending News
- The
Latest Wholesale Mortgage Rates
- Reverse
Mortgages - What Are They and Do They Work?
- Interest
Rates Aren't Mortgage Rates
- PMI
INSURANCE TAX DEDUCTIBLE FOR 2008?
- Mortgage
Debt Forgiveness
Financial Tips
Tax
Tips for 2007 & 2008
-
Stimulus Payments
Details & Tax Rebate Checks - 03/2008
-
Tax
Preparation starting at $35.00
- E-File
Available Too. Compare
& Save!
-
Reporting
Miscellaneous Income
-
Changes
for 2008
Our
Sponsor For This Newsletter is:
Click On Picture To See Our Work
Tell them you saw them in the People Come First Newsletter!
Enjoy Your Reading
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Real Estate News & Tips
Brought
to you By Golden Realty Group
- It's
A Great Time To Buy - Six Signs
Too
many buyers are focusing on home prices and waiting to jump into the
market, afraid that a property bought today will be worth less
tomorrow. But rising mortgage rates should also be a concern, and
many potential buyers could find themselves out of luck if they wait
much longer. (EarlyBird 02/03/2008)
Consider This: Price, Interest Rates & Time (how
long will you be in your home?)
Six
Signs To Buy - From One of Our Readers
(acrobat
reader)
Ignore
The Headlines
- Article
- (acrobat reader)
- Price
It Right - It Will Sell
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)
-
Best
Gifts To Give Buyers
One of the best gifts a
seller can give a buyer is information about the simple things in life
— when does the trash collector come, where’s the school bus stop,
and what’s the best place to get a pizza. Read
More Here (acrobat reader)
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FSBO
& golden Realty Groups Links
----------------------------------------------------------------------
FSBO = For
Sale
by owner
Link
to FSBO & MLS Homes
Link
to Golden Realty Group Web Site
If you know someone looking to buy a home in
Florida or South Carolina - click
here
|
Rob Martin - Broker
Golden Realty Group
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Steve, Sassy, Jasmine
& JoAnn
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Tell them you saw them in the People Come First Newsletter!
Foreclosure News & Tips
- Foreclosure
Resources for Consumers Link
Here
If
you are having difficulty making your mortgage payment, one of the
most important things you can do is seek assistance. The following
resources provide information and links to agencies and
organizations that may be able to help you.
Resource - Federal
Reserve.gov
- 995Hope
(link)
- AcornHousing
(link)
- Project
Lifeline
(acrobat
reader)
- Forecloses
Impact Entire Neighborhoods
Foreclosures harm more than a single family that can’t make the
mortgage. Two housing analysts found that for every foreclosure
within one-eighth of a mile of a single-family home, property values
decline by about 1 percent – and more in dense developments.
Early Bird News - 7/30/2007
- Helpful
Foreclosure Web Sites
www.Emailforeclosure.com
http://www.all-foreclosure.com/foreclosures.htm
www.Foreclosures.com
(added - 3/7/2008)
- Definitions You Need To Know - see more here -
(Realtytrac.com/education)
Notice of Default - The initial document (non-judicial) filed by
a trustee that starts the foreclosure process, usually after the
occurrence of a default under the deed of trust or mortgage.
Both LIS and NOD are part of the PRE-foreclosure process.
Lis Penden (LIS): Notification of pending lawsuit.
The initial document (judicial) filed by an attorney or trustee that
starts the foreclosure process after the occurrence of default under
the deed of trust or mortgage. Both LIS and NOD are part of the
PRE-foreclosure process.
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Tell them you saw them in the People Come First Newsletter!
Lending News
The Latest Mortgage Rates – as of 3/7/2008*
(*Rates subject to change without notice)
Interest Rates May Vary Slightly Based On Your Area of the County
Bond Market
Click Here to see Bond Market Chart (as of
03/7/2008)
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Loan Type
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Rates
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Apr.
|
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15 Year Fixed Rate
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5.875%
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6.235%
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30 Year Fixed Rate
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6.25%
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6.61%
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40 Year Fixed Rate
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6.875%
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7.235%
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VA / Govt 30 Year Fixed Rate
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6.00%
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6.36%
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Home Equity Fixed Rate
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8.10%
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8.46%
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Home Equity Line of Credit Starts
at Prime Rate 6.00% - Up To 80% of Your Homes Value.
PRIME +0
|
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Reverse Mortgages
|
CALL
|
CALL
|
Additional
Interest Rates & Programs Here
We Can Help You With A Reverse Mortgage
Too!
To Apply – You Can Download Our Mini-Application and Send It To US
Click
Here Virus Free
|
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More
Lending News! -
Reverse
Mortgages!
They Are Here To Stay!
What Are They & Do They Work?- Click
Here
Some
Important Features of the Reverse Mortgages:
Must Be at Least 62 Years Old
Borrower Retains Ownership and Occupancy of Home
Tax Free
No Monthly Payments
No Income Qualifications
NO Out of Pocket Costs
Call for More Detail (877) 254-0290
- Reverse
Mortgages - Federal Trade Commission Facts - Click
Here
- INTEREST RATES AREN’T
MORTGAGE RATES
The Fed lowered interest rates, so mortgage rates are sure to follow
… right? Well, no. And maybe yes, too. Adjustable-rate mortgages,
which allow lenders to adjust a mortgage’s interest rate over
time, tend to follow interest rate cuts. Fixed-rate mortgages are
different, however, and tend to fluctuate based on the yield of
10-year government bonds. And those bonds are not impacted by
interest rates as much as investor demand for them at their current
rate of return. But inflation remains the big enemy of bonds because
rising prices can sap the value of these long-term investments. In
this case, the recent Fed decision to lower interest rates a full
half point simultaneously sparked a fear of inflation by investors
– and that, in turn, will probably increase FRM rates over the
short-term even as it lowers the ARM rates.
Early Bird News 09/27/2007
- PMI
INSURANCE TAX DEDUCTIBLE 2008?
Yes - Homeowners who pay less than 20 percent down must many times pay
for PMI, but a law recently extended
by Congress makes that cost fully
deductible on income taxes for
new loans between 2007 and 2010. It applies to new loans for
households making up
to $100,000 per year.
- Mortgage
Debt Forgiveness
Americans who lose their home to foreclosure or bankruptcy no longer
have to pay income taxes on any debt forgiven by the bank. A bill
signed by President Bush yesterday voids the IRS practice of
considering the bank’s write-off on the loan a taxable form of
income for the family that already lost a home.
Early Bird News 12/26/2007
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If there is a finance question you have, drop us a line. We
will research it for you and will send you the answer.
OR
If
you have a experience or story to tell share it with others. Drop us
a note at Steve@PeopleComeFirst.net.
Maybe your experience or story will inspire or help someone else.
It's
Time To Sharpen Those Tax Pencils - Again
Helpful Web Links & Tips
- Debt
Smart
– (link) A Great Source For More Financial Tips
-
Protecting
Your Family - Sexual Offender Web Sites:
United States Department of Justice - NSOPR.gov
Florida Department of Law Enforcement - FDLE
- Free
411 - Directory Assistance for Cell Phones -
1-800-FREE 411 or 1-800-373-3411 (It Works!!!)
----------------------
Testimonies
---------------------- |
I
just want to say thank you so much for spending the time with me
yesterday. For your honesty and integrity! God has,
and will continue to bless you and JoAnn and the family for your
faithfulness to Him and honesty to people. Thanks
again! You both are truly the best!
Karla - Melbourne, FL |
Thank
you Steve & Joann for not only providing financial service,
but an education and advise to get to our intended goal as if it
were yours.
Carl
- Rockledge, FL |
Closing
Words -
One Minute Each Night -
(from one of our readers)
In
WWII, there was an advisor to Churchill who organized a group of people
who dropped what they were doing every night at a prescribed hour for
one minute to collectively pray for the safety of England, its people
and peace.
There
is now a group of people organizing the same thing here in America.
If you would like to participate: Each evening at 9:00PM Eastern Time
(8:00 PM Central) (6:00 PM Pacific), stop whatever you are doing and
spend one minute praying for the safety of the United States, our troops
and for a Godly nation.
If
you know anyone who would like to participate, please pass this
along. Someone said if Christians really understood the full
extent of the power of prayer, we might be speechless. Our prayers
are the most powerful asset we have.
Thank
You, and God Bless America
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-------------------------------
We Are Hiring –
-------------------------------
People’s First Financial Services is Hiring
Peoples
First is looking to hire licensed Mortgage Brokers throughout
the state of
Florida.
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 Real Estate Agents for its expanding
For Sale By Owner (FSBO) division in Florida.
Experience
not necessary.
Ambition, Integrity and Strong Work Ethics is a must.
If interest please call Steve Srein at (321) 253-6116.
FSBO
CONNECTION IS HIRING
FSBO
Connection is hiring Marketing Reps for its expanding marketing networks
throughout the country. Call (877) 253-6116 if interested.
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It
is Official -
FSBO
Connection has expanded. FSBO Connection program expanded in
South Carolina, along with our mortgage operations with Atlantic
Home Mortgage partner. We
will work under Atlantic Home Mortgage based out of
Myrtle Beach,
SC. Our Mortgage, FSBO
and Marketing arms will extend to Charleston,
Florence
and
Myrtle Beach
areas.
Future plans include
Columbia
and
Greenville South Carolina. If
you know of anyone needing financing or great For Sale By Owner
services we can help. Click links below.
|
FSBO Connection.us |
North & South Carolina
Main Office:
ATLANTIC HOME MORTGAGE
4209-A Mayfair Street
Myrtle Beach, SC 29577 |
Affiliated
FSBO Partners
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DISCLAIMER
You are receiving this
email advertisement because you are currently a subscriber of the People
Come First Newsletter. If
you would rather not hear from us, let us know – Send a reply email
with your complete name and we will remove you from all future emails.
This email complies with all provisions of the Can-Spam Act of
2004.
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.
Steve
& JoAnn Srein
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In
Florida:
People's First Financial Services, Inc.
"Dedicated Service Since 1986"
2299 Sarno Rd. Suite B
Melbourne, FL 32935
(321) 242-8240
(877) 202-2968 fax
"Where
People Come First"
www.PeopleComeFirst.net
|
Golden Realty Group
Home of the "Award Winning"
FSBO Connection Program
836 Executive Lane, Suite 120
Rockledge,
FL
32955
321-253-6116
"We Follow The Golden Rule"
www.PeopleSaveMore.net
www.GRGrealty.com
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