The Moeller Team Blog

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Real Estate Agent - Seven Gables Real Estate - BRE 01727426
As a CPA and Realtor, I provide my clients and Real Estates associates insight into both tax issues and market issues impacting our industry.
According to a study by the senior research economist at the Federal Reserve Bank of Cleveland last week, homeownership is more sustainable for people with larger down payments. Really? We had to pay for a study to learn this? A homeowner who puts 3.5% down has 16.5% less equity than a homeowner ...
Times are stressful. Many homeowners who refinanced their properties a few years back to pay off credit card debt, medical expenses or place a down payment on another home are faced with overwhelming worry and financial stress today. We've seen people tap into their 401K, run up their credit card...
The trouble with most loan modification companies is not their fees. In fact, since October 11, 2010 it has been illegal for any company or attorney to charge up-front fees for loan modifications. As such, fees are only charged when a result is achieved. The problem with most modification compani...
Okay, let's face it ... with the treat of the shadow inventory of homes hitting the market and experts stating that we may have a few more years of value declines, why is NOW a good time to buy real estate? The biggest reason to buy now is the uncertainty of interest rates. Right now they are low...
In this market, many equity sellers do not want to compete against the banks and short sale sellers who price their properties aggressively under market to secure a fast sale. Instead of selling their home to buy a home one, they decide to rent out their current home.  Let's say a married couple ...
According to DS News today, three congressmen have proposed a bill to end the Home Affordable Modification  Program (HAMP) program. One of the congressmen, Darrell Issa is the chairman of the Oversight and Government Reform Committee. Rep. Jim Jordan says, "HAMP is a colossal failure. In many cas...
According to analysts at Standard & Poor's Rating Services this week, it may take more than four years to exhaust the "shadow inventory" of distressed homes. The shadow inventory is defined as properties with borrowers who are more than 90 days delinquent on their mortgage, in foreclosure or alre...
According to the U.S. Department of Commerce on Monday, home ownership levels are at 66.5 percent for the fourth quarter, the lowest they have been since the fourth quarter of 1998. Not surprisingly, at 9.4% the rental vacany rate is the lowest it's been since 2003. "Further foreclosures, a conti...
According to a new survey conducted by Trulia and RealtyTrac, 58 percent of US adults expecting recovery to be at least another two years away, with 20 percent predicting it will be 2015 or later. Pete Fliint, CEO of Trulia and Rick Sharge, RealtyTrac SVP agree. Both Flint and Sharga are of the s...
A step away from our normal blog, we are sending a message to our Orange County readers looking for a guest house / mother-in-law quarters to rent to a very good client of ours. She is a single, stable school teacher who would make the perfect tenant. She needs to move in January. Please let us k...

Nancy Moeller

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