Nigel Chapman's (nigelc) Blog

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Definition of Short Sale: A home that is being sold at a price where the net proceeds to the lender are less than the amount owed. For the lender to accept this, an owner has to have a genuine hardship that may result in the home being foreclosed upon. Before the lender would agree, the homeowner...

Our market is not as bad as Sacremento, but the sellers can be the same :) If I could only find an agent who sees things my way," whined a wanna-be seller. First he tried to refinance, but the mortgage broker ran the comps and couldn't justify the value. Then he considered selling, but only if he...

If you are financially distressed and need to sell your home short, do not go to your local "listing specialist"! In this situation, you need a short sale expert - someone who understands the process and knows what will help your lender co-operate. A short sale listing expertdoes a lot more than ...

The year 2009 is great year for first time home buyers in the United States. This is because a new Housing and Recovery Act has been launched to aid the plummeting housing industry. This federal tax credit offers a great deal to first time home buyers because they can receive up to $8000 return i...

Behind on payments?   Heading toward foreclosure?   Think you are on your own?   Need help, but don't know where to turn? Feeling embarrassed? STOP WORRYING! HELP IS AT HAND! We have all seen the little signs on the roadside "Sell your home now - for cash", "Facing foreclosure, call us". Yeah rig...

The recent $8000 federal tax credit announced by the government is causing quite a stir here in Iowa. This is REAL money for you to spend! As long as you do not owe the IRS any money (and subject to a few exceptions) you can get an $8000 check back after you buy your first home. As a real estate ...

A Fannie/Freddie Treasury guarantee on the way means mortgage rates have fallen, right? The huge spread between 10-year T-notes and mortgages has closed, for sure? All these mortgage-backed securities as good as Treasurys, they're trading the same way? Fannie and Freddie can borrow cheaply, so mo...

After continuous pestering from friends, family and past clients, I finally agreed to run for president of the United States of America. Click link to see my latest news report. Nigel runs for President

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