the People Come First Newsletter   June 2008

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, "If you talk about it, it's a dream.  If you envision it, it's a possible.  But if you schedule it, it's real." -- Anthony Robbins. 

What's On Consumer's Minds These Days?

Scroll Down To See Complete Stories

Real Estate News & Tips

  • Great Time To Buy - Lenders Slash Prices On Foreclosures
  • Best Gifts to Give Buyers
  • Price It Right - It Will Sell

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?
  • Foreclosure Restricts Future Home Financing

Financial Tips  

Tax News 2008

  • Stimulus Payment Details & Tax Rebate Checks - Did You Get Yours? (06/2008)

Helpful Web Links

  • With the help of our subscribers, clients and customers, we've gathered helpful and sometimes fun web links that may be helpful to you.

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

Real Estate News & Tips
Brought to you By Golden Realty Group

  • It's A Great Time To Buy - Lenders Slash Prices On Foreclosures

    Lenders stung by the housing bust are slashing prices dramatically to rid themselves of an unprecedented number of foreclosed properties, sparking bidding wars in some places that harken back to the market’s go-go years and may signal the bottom is near.  Read More Here            FAR News (06/09/2008) (acrobat reader)

    Consider This:  Price, Interest Rates & Time
    (how long will you be in your home?)

    Six Signs To Buy - From 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)

  • Take the Test - Household MathTMChoosing a Selling Price

    Test your knowledge by trying to solve these DebtSmart, Household Math problems! After you complete the problem you’ll get the solution and explanation.
    Brought to you by DebtSmart.com

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FSBO & golden Realty Groups Links
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FSBO = For Sale by owner  

Link to FSBO & MLS Homes

Link to Golden Realty Group Web Site

Need A Rental - Look Here 
(Brevard County, Florida)

If you know someone looking to buy a home in 
Florida or South Carolina - click here


Rob Martin - Broker
Golden Realty Group


Steve, Sassy, Jasmine & JoAnn

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.

Tell them you saw them in the People Come First Newsletter!

Lending News

The Latest Mortgage Rates

(*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 Activity
In Real Time

 
Click Here for 
Current Mortgage Rates & Programs


To Apply – You Can Download Our Mini-Application 
and Send It To US
Click Here  (Virus Free) 

  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

  • Foreclosure Restricts Future Home Financing 

    Homeowners going through foreclosure today may have to wait five years before they are able to get financing for a home again.  Read More Here  FAR News (5/28/2008)
    (acrobat reader) 

    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

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 story to tell, share it with others.  Drop us a note at Steve@PeopleComeFirst.net.  
Your experience or story may inspire or help someone else.


Financial Tips - Brought to You By  Peoples First Financial Services

We Are Serious About Saving You Money!  

Stimulus Payment
Q & A
IRS.gov
(05/15/2008)

Tax News 2008

Kiplingers Tax Rebate Calculator

Tax Rebate Checks
Q & A
Bankrate.com
Scroll Down to
(06/09/2008)

Helpful Web Links & Tips

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Testimonies

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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 –
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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.  

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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) 243-4892

FSBO CONNECTION IS HIRING  

FSBO Connection is hiring Marketing Reps for its expanding marketing networks throughout the country.  Call (321) 693-6429 if interested. 

We Are Serious About Saving You Money!  


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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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

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
321-243-4892 
"We Follow The Golden Rule"

www.PeopleSaveMore.net

www.GRGrealty.com

 
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