2015 U.S. Housing Market Predictions Made by CoreLogic

Overall, the economy finally appears to be gaining enough momentum to help provide the support that the housing market has needed for stronger recovery.

The combination of stronger employment growth and especially Millennial job growth makes for solid footing for the real estate market.

http://ow.ly/GBSdV

#EstatesByTheBeach #FundingLoansAll50States #2015HousingPredictions

The 2014 tax breaks you can take

The majority of tax breaks in the bill pertain to businesses but a handful will affect individuals. To be honest, I cannot believe that two of these are deductible again.

READ MORE: http://ow.ly/GiccU

#EstatesByTheBeach #FundingLoansAll50States #2014TaxBreaks

21 Hot Housing Trends for 2015

Everyone wants to be hip, and the latest trends in design can help distinguish one home from another. And it’s not all flash; many new home fads are geared to pare maintenance and energy use and deliver information faster.

Here’s a look at what’s coming.

READ MORE: http://ow.ly/G96qj

#EstatesByTheBeach #FundingLoansAll50States #HousingTrends

Freddie Mac Predicts Biggest Year for Home Sales Since ’07

Freddie Mac predicted that 2015 will see the highest level of home sales in the U.S. since 2007 in its December 2014 U.S. Economic and Housing Market Outlook released on Tuesday.

READ MORE: http://ow.ly/G5fnj

#EstatesByTheBeach #FundingLoansAll50States #2015HomeSales

New York Times: Homeownership is Best Way To Build Wealth

Renting can make sense as a lifestyle choice or because of income constraints. As a means to building wealth, however, there is no practical substitute for homeownership.

READ MORE: http://ow.ly/FW7aS

#EstatesByTheBeach #FundingLoansAll50States #BuildWealth

The 10 Most Stunning Celebrity Homes of 2014

If you’d like to pretend you’re one of these celebrities—for a few moments, at least—check out our top 10 selections (in no particular order).

If you’d like to learn more about any of the homes, simply click on the image for the full article and slideshow.

READ MORE: http://ow.ly/FQcWf

#EstatesByTheBeach #FundingLoansAll50States #CelebrityHomes

Here’s what’s happening this weekend 12/12-12/14 in Orange County:

A bunch of links all in one-spot, read more:

http://ow.ly/FOifL

#EstatesByTheBeach #FundingLoansAll50States #WhatsHappening

7 Important Life Lessons Everyone Learns the Hard Way

Be a student of life.  Indulge in it and absorb all the knowledge you can, while you can.  You may have to loose some things to gain some things, and you may have to learn some things the hard way.

READ MORE: http://ow.ly/FLn1o

#EstatesByTheBeach #FundingLoansAll50States #LifeLessons

Breaking News: Fannie and Freddie formally announce 3% Down Programs

THIS IS HUGE:  Just an appraisal to get rid of mortgage insurance, unlike FHA that requires you to refinance into a Conventional Loan at what rate?

These new guidelines will enable creditworthy borrowers who can afford a mortgage, but lack the resources to pay a substantial down payment.

READ MORE: http://ow.ly/FCwYr

#EstatesByTheBeach #FundingLoansAll50States #3%DownPayment

HAMP Borrowers Can Earn Extra $5K Reward

Borrowers stand to get $10,000 in incentives for on-time payments, which all goes toward reducing their principal balance.

READ MORE: http://ow.ly/FzKTM

#EstatesByTheBeach #FundingLoansAll50States #HAMPLoans

U.S. Mortgage Rates Fall to 18-Month Low With 30-Year at 3.89%

 “It improves affordability and provides a greater incentive for people on the sidelines, waiting for rates to fall.”

READ MORE:  http://ow.ly/FrkNy

#EstatesByTheBeach #FundingLoansAll50States #OurRatesREvenLower

25 Life Lessons from Albert Einstein

I like # 12 - Everything that can be counted does not necessarily count; everything that counts cannot necessarily be counted. And you?

READ MORE:  http://ow.ly/FnD1f

#EstatesByTheBeach #FundingLoansAll50States #LifeLessons

The Start-to-Finish Guide to Buying a Home

Purchasing a home is a major milestone that tops many people's lifetime to-do lists—and maybe their list of financial fears too. But it certainly doesn't have to be a scary or stressful experience.

With time, care, and research, you can take control of the home-buying process.

READ MORE: http://ow.ly/FkoAY

#EstatesByTheBeach #FundingLoansAll50States #GuideToBuyingAHome

Doxxing defense: Remove your personal info from data brokers

Don't want your home address or other personal info published to the world? This weekend, take an hour or two to make yourself a less visible target.

READ MORE: http://ow.ly/Ffomu

#EstatesByTheBeach #FundingLoansAll50States #HowToRemovePersonalInfoOnline

Should I Sell My Home Now or Wait Until the Spring?

Many homeowners believe selling a home during the fall or winter months is not a good idea and that the spring is the only time a house should be sold.

This is the furthest from the truth.

READ MORE: http://ow.ly/FbfCa

#EstatesByTheBeach #FundingLoansAll50States #WhyWait

18 Rules Of Living By The Dalai Lama

Which one do you like?

I like # 18. Judge your success by what you had to give up in order to get it.

READ MORE: http://ow.ly/ETqNq

#EstatesByTheBeach #FundingLoansAll50States #RulesOfLiving

Don’t Miss These Home Tax Deductions

From mortgage interest to property tax deductions, here are the tax tips you need to get a jump on your returns.

READ MORE:  http://ow.ly/EOsZx

#EstatesByTheBeach #FundingLoansAll50States #HomeTaxDeductions

Spread the Word: Mortgage Rates Below 4%

Fixed-rate mortgages fell back near yearly lows again this week, lowering borrowing costs for home buyers and refinancers'.

READ MORE: http://ow.ly/ELkad

#EstatesByTheBeach #FundingLoansAll50States #MortgageRates

9 Kitchen Trends That Can’t Go Wrong

Remodeling your kitchen is a huge commitment.

Make sure you’re getting the best return by making choices that’ll last. Here are 9 trends with staying power.

READ MORE: http://ow.ly/EIY94

#EstatesByTheBeach #FundingLoansAll50States #KitchenTrends

Graco Recalls 11 Models of Strollers Due to Fingertip Amputation Hazard

The folding hinge on the sides of the stroller can pinch a child’s finger, posing a laceration or amputation hazard.

READ MORE: http://ow.ly/ECVSg

#EstatesByTheBeach #FundingLoansAll50States #AmputationHazard

Mark Twain’s Top 9 Tips For Living A Kick-Ass Life

Twain is known for his many – and often funny – quotes.
Here are a few of my favorite tips from him.

READ MORE: http://ow.ly/EyOC9

#EstatesByTheBeach #FundingLoansAll50States #KickAssLife

10 things real estate appraisers won’t tell you

But appraisers say that new rules have made the process slower and more complicated for consumers—and that they haven’t stopped some appraisers from yielding to pressure from banks.

READ MORE: http://ow.ly/Evug1

#EstatesByTheBeach #FundingLoansAll50States #AppraisersWontTellYou

House Cleaning Hacks Of The 21st Century

In our very busy day to day life, who has time to clean? It’s better to clean smarter rather than harder! Also, less time cleaning means more time relaxing and doing activities that you enjoy!

Below is a list of ways that will help you achieve this goal:

READ MORE: http://ow.ly/EiLaH

#EstatesByTheBeach #FundingLoansAll50States #CleaningHacks

When It Comes to Home Buying, Location Is King

Some neighborhoods change over time, of course, and most improve rather than getting worse. So as you set out to buy a home, should you look for the best home on the worst block?

READ MORE: http://ow.ly/EaD1P

#EstatesByTheBeach #FundingLoansAll50States #HomeBuying

E-mail us your questions: michael@estatesbythebeach.com

39 Life Lessons I've Learned In 39 Years

Today is my 40th birthday as I revisit this list that I wrote one year ago. I'm updating with a 40th lesson. Enjoy.

Especially liked this Quote: "The boy with no shoes cried until he met the boy with no feet."

WORTH READING: http://ow.ly/E4F5C

#EstatesByTheBeach #FundingLoansAll50States #Gratitude

What to Know as You Try to Lock in a Low Mortgage Rate

Here's a rate reference guide to help you navigate this market and obtain the best terms on your financing.

Once you're ready to buy or refinance, you'll want to lock in your rate, which ensures the rate for a set number of days.

READ MORE: http://ow.ly/DYIxe

#EstatesByTheBeach #FundingLoansAll50States #LowMortgageRate

10 Reasons Why Your Home Isn't Selling

If your home sale seems to be going at a snail's pace, it might be time to look at what you might be doing wrong.

READ MORE:  http://ow.ly/DOMnL

#EstatesByTheBeach #FundingLoansAll50States #HomeSales

Fed's End to Quantitative Easing Will Affect How You Invest and Buy a House

“The low interest rates will come to an end,” he said. “Consumers should pay down debt while the rates are low rather than contend with it once rates move up.”

READ MORE: http://ow.ly/DAuAd

#EstatesByTheBeach #FundingLoansAll50States #RisingInterestRates

7 Credit Myths You Thought Could Hurt Your Score, but Don't

The Internet is brimming with tales of how your complete lack of knowledge surrounding credit scores is costing you big every day.

The following are common misconceptions about credit that you'll be happy to know aren't true at all.

READ MORE: http://ow.ly/DqF5t

#EstatesByTheBeach #FundingLoansAll50States #CreditMyths

What are the differences among a Real Estate Agent, a Broker and a Realtor?

There are differences between the three titles, however, the most important being the services each real estate professional offers to those in need of real estate services.

READ MORE: http://ow.ly/Dq49q

#EstatesByTheBeach #FundingLoansAll50States #RealEstateProfessional

12 Universal Truths That Will Change Your Life for the Better

These universal truths apply to you no matter where you are in life or what mistakes you've made in the past. So read them, apply them, and watch the magic happen in your life.

READ MORE: http://ow.ly/DkByh

#EstatesByTheBeach #FundingLoansAll50States #ChangeYourLife

Why You Should Always Talk to Future Neighbors When Buying a Home

If you're buying, neighbors can be great sources about:

READ MORE: http://ow.ly/D81bT

#EstatesByTheBeach #FundingLoansAll50States #WontYouBeMyNeighbor

Market turmoil: A gift for mortgage refinancers?

Financial market turmoil creates a tempting opportunity for mortgage refinancers.

READ MORE: http://ow.ly/D38Yq

#EstatesByTheBeach #FundingLoansAll50States #RatesAreHowLowAgain

Natural Flu Remedies: 7 Powerful Herbs to Help Get You Through Flu Season

Here are 7 powerful and inexpensive natural flu remedies to start building up your defenses to avoid repeated illness during these colder months.

READ MORE: http://ow.ly/CSdCJ

#EstatesByTheBeach #FundingLoansAll50States #ColdAndFluSeason

9 Natural Ways To Keep Spiders Out Of Your Home

Let’s be completely honest. Nobody REALLY likes spiders.

Even if they are completely harmless little things, nobody really wants spiders hanging around inside their house. But, how do you repel them naturally without hurting them, and without exposing your family to any potentially harmful chemicals?

READ MORE: http://ow.ly/CPx9v

#EstatesByTheBeach #FundingLoansAll50States #SpidersOutNaturally

Owning a Home Is Cheaper Than Renting

In most places in the U.S., owning a home has gotten even cheaper than renting one.

Lower mortgage rates and higher rent prices make owning cheaper than renting over a 7-year period.

READ MORE: http://ow.ly/COM5z

#EstatesByTheBeach #FundingLoansAll50States #CheaperThanRenting

Why Does Negative Info Stay on Credit Reports for 7 Years?

Under the Fair Credit Reporting Act, most negative information can be reported on credit reports for seven years.

Why seven? Why not five, or 10 or some other amount of time?

READ WHY: http://ow.ly/CGupY

#EstatesByTheBeach #FundingLoansAll50States #NegativeCredit

Mortgage Rates Continue Downward Slide

Average U.S. mortgage rates fell for the third straight week, making it more affordable to borrow to buy a home.

READ MORE: http://ow.ly/CwgVn

#EstatesByTheBeach #FundingLoansAll50States #LowRates  

Call or text your RE / Loan ?'s to 714.713.3534

This Mortgage Cost Is No Longer Necessary

Then the IRS changed the rules, and disallowed the mortgage insurance premium deduction for taxable years after Dec. 31, 2013.

If you can’t avoid mortgage insurance, depending on your financial situation, ask your lender what other adjustments can be made to reduce your mortgage costs.

MORE: http://ow.ly/CsltO

#EstatesByTheBeach #FundingLoansAll50States #MortgageInsurance

Twelve Things Happy People Do Differently

“I’d always believed that a life of quality, enjoyment, and wisdom were my human birthright and would be automatically bestowed upon me as time passed.  I never suspected that I would have to learn how to live – that there were specific disciplines and ways of seeing the world I had to master before I could awaken to a simple, happy, uncomplicated life.” -Dan Millman

MORE: http://ow.ly/CocaF

#EstatesByTheBeach #FundingLoansAll50States #HappyPeople

Home Insurance Loopholes Can Leave You Howling on Halloween

Note: Not all insurance policies are created equal! The following guidelines are standard, but there are exceptions. It's important to get to know your insurance policy before you have to file a claim.

Here are three possible Halloween problems, and the skinny on what is and isn't covered by a typical policy.

INTERESTING READ:  http://ow.ly/C7T5j

#EstatesByTheBeach #FundingLoansAll50States #HomeInsuranceLoopholes

Water rationing hits California: limit of 50 gallons per person per day or face fines of $500

Keep in mind that these are only "stage one" emergency regulations. Stages two and three have yet to be invoked and will only become more severe.

READ MORE: http://ow.ly/C4IiX

#EstatesbyTheBeach #FundingLoansAll50States #WaterFines

The Smart Way to Make an Offer on a Home

Following these steps for making an offer will ensure you are making an informed decision and place yourself in a great negotiating position.

Once you are in your new home, you should have the peace of mind that you did your due diligence.

READ MORE: http://ow.ly/C0Ee1

#EstatesByTheBeach #FundingLoansAll50States #SmartOffer

7 Secrets to Having a Life We Love

I used to believe that one day there would be this point in life where you know you found yourself, but actually, as I had to find out, it is a process and never stops.

READ MORE:  http://ow.ly/BWOvG

#EstatesByTheBeach #FundingLoansAll50States #LifeWeLove

What Do Organic, Natural, Cage-free and Grass-Fed Food Labels Really Mean?

What do all of these health claims really mean?

Is there even a difference between them?

The answer is yes, but you may be surprised to find out what they actually mean.

READ MORE: http://ow.ly/BPhWD

#EstatesByTheBeach #FundingLoansAll50States #FoodMatters

Best Advice I Ever Got: Focus on People, Not Problems

No matter what you do in life, a third of the people you come in contact with will love you, a third will dislike you, and the rest will be indifferent.

Remember: The world is not a meritocracy. Stop whining about the bumps, and keep charging down the road.

WORTH THE READ:  http://ow.ly/BC8oQ

#EstatesByTheBeach #FundingLoansAll50States #BestAdvice

18 Ways You’re Making Your Life Harder Than It Has To Be

The only difference is we’re older, and the older we get, the harder we make things for ourselves. We liked people who smiled.  We avoided people who frowned.

“Life is not complex.  We are complex.  Life is simple, and the simple thing is the right thing.”―Oscar Wilde

WORTH THE READ: http://ow.ly/BA0o6

#EstatesByTheBeach #FundingLoansAll50States #MyBirthdayReadThis

Easy savings for first-time home-buyers starting this October

If you're ready to buy a home, find out how you could save money on your mortgage through a new government program.

READ MORE: http://ow.ly/Buixk

#EstatesByTheBeach #FundingLoansAll50States #HomeBuyer

40 Inspiring Motivational Quotes About Gratitude

Sometimes, a totally different perspective can be found in a few simple words of wisdom.

"In life, one has a choice to take one of two paths: to wait for some special day--or to celebrate each special day." Rasheed Ogunlaru

READ MORE:  http://ow.ly/BrKZ7

#EstatesByTheBeach #FundingLoansAll50States #FeelingGratitude

11 Questions To Ask Before Buying A Home

Whether you’re buying your first home or you’re a seasoned owner, answer these questions for the knowledge and confidence to find home sweet home.

READ MORE: http://ow.ly/BoBGK

#EstatesByTheBeach #FundingLoansAll50States #BuyingAHome

Call / Text Your RE or Loan Questions @ 714.713.3534

You Already Know What Makes You Happy, So Go Do It Already

Imagine that your brain is like a computer running programs—if the programs are sloppy, the performance is sloppy.  

READ MORE: http://ow.ly/ASoiD

#EstatesByTheBeach #FundingLoansAll50States #GoDoIt

From all of us at E.B.T.B, be safe and have an enjoyable holiday!

5 Spiritual Lessons You Can Learn From Your Dog

A dog, and most other pets as well, retain that godliness that many human beings are born with but often lose over time.

And if you don’t have one, try hugging your friends, your children or your partner a little bit more! Here are just 5 of them.  

READ MORE: http://ow.ly/AKVzW

#EstatesByTheBeach  #FundingLoansAll50States  #BornWithButLose

8 Things You Should Never Do to Your Home

Without question, I see this all the time.  

6. Don’t remodel too much - You might have so much money that you just need to get rid of it, and if so, we know a few charities that do some good work. However, you need to keep your remodeling within the general costs of your neighborhood. You’ve got to keep the money you put into your home realistic compared to the average price of houses that are similarly sized in your immediate area. Otherwise, it is extremely difficult to get the return on your investment.

READ MORE:  http://ow.ly/AH10I

#EstatesByTheBeach  #FundingLoansAll50States #NotSoSmart

18 Fantastic Ways To Let Go

 “If you let go a little, you will have a little peace. If you let go a lot, you will have a lot of peace. If you let go completely, you will discover complete peace.” ~ Ajahn Chah

READ MORE:  http://ow.ly/AEbCN

#EstatesByTheBeach  #FundingLoansAll50States  #LetItGo

Mortgage Rates Hit 2014 Low

It's not just how much you save monthly, but how much you can now save over the life of the loan.

Really low rates are making buying a home affordable again.

You can buy a home with as little as a 1/2% down with only a 640 middle score.  

READ MORE: http://ow.ly/ACoMw

#EstatesByTheBeach  #FundingLoansInAll50States  #RatesAreHowLow

Oh, Happy Day!: 13 Ways To Make Every Day Your Happiest Day

It starts with a positive thought that steadily grows to a natural disposition. 

Revel in the simple fact that you’re alive and the whole world is at your fingertips, if you choose to reach for it. 

READ MORE: http://ow.ly/AzYOI

#EstatesByTheBeach #FundingLoansAll50States #DontWorryBeHappy

Fed Minutes: It'll Soon Be Time to Start Raising Interest Rates

We are back towards historic lows, one who hesitates will lose!  

In its policy statement released after the discussions, the Fed acknowledged that growth was strengthening. But it indicated that it needed to see further improvement in the job market before it starts raising its key short-term rate.

READ MORE:  http://ow.ly/AybIt

#EstatesByTheBeach  #FundingLoansAll50States  #RatesNearHistoricLows

101 Inspirational Quotes From Super Successful People

But one thing many of the world's most successful people have in common is their ability to inspire others.

Here are 101 inspirational quotes from highly successful people.

READ MORE: http://ow.ly/ArTyK

#EstatesByTheBeach #FundingLoansAll50States #Successful

5 ridiculous reasons why your mortgage can get rejected

We're here to help with the education and planning part.

So, if you're applying for a home loan, read on for some unexpected issues that could derail your home-buying experience and how to avoid them.

READ MORE: http://ow.ly/ApAAB

#EstatesByTheBeach  #FundingLoansAll50States #HomeLoanTips

30 Things To Do Before You Die

These seemingly simple acts have transformed my life.

What it comes down to is not how long your life is, but how wide you live it.

READ MORE: http://ow.ly/AmrGd

#EstatesByTheBeach #FundingLoansAll50States #BeforeYouDie

House Punting: The Cost of Waiting to Buy in Hot Markets

The one-year waiting costs ranged from a minor $65 a month in St. Louis to a major $710 a month in San Jose, California. 



READ MORE: http://ow.ly/AhSPQ

#EstatesByTheBeach   #FundingLoansAll50States #WaitingToBuy

Call / Text your RE & Loan ?'s to 714.713.3534

Home-Affordability

It's called home-affordability, everyone should be thankful that interest rates have dropped back to near historic lows.  

With that being said, one who hesitates loses~  

http://ow.ly/AfEJ5

#EstatesByTheBeach #FundingLoansAll50States #HomeAffordability

Call  / Text Your RE or Loan ?'s to 714.713.3534

Four reasons to buy a home now

Thinking of buying a home?

Keep reading to find out why you should take action sooner rather than later.

"On a $300,000 house today, the same house will cost you $318,000 in one year," says VanDyke..

READ MORE: http://ow.ly/AcLWI

#EstatesByTheBeach #FundingLoansAll50States #WhyBuyAHomeNow

When Buying a House Always Keep These 4 Things in Mind

 "If you buy it for more than you can afford, you'll end up hating the house and yourself in the long run.

"Even if you're pre-approved for a loan, make sure you give yourself enough time for the extensive documentation."

READ MORE: http://ow.ly/A2NWq

#EstatesByTheBeach #FundingLoansAll50States #WhenBuyingAHouse


Call /Text RE & Loan ?'s to 714.713.3534

Don’t Worry, Be Happy: It’s Now Proven That Being Optimistic Makes You More Successful

Life is about finding balance; it’s about being realistically optimistic and seizing the opportunities that come our way, no matter how large or small..

-They adopt a resilient attitude that transforms bad luck into good.

READ MORE: http://ow.ly/A1yuA

#EstatesByTheBeach #FundingLoansAll50States #Success

Cell Phones, Bras, and Breast Cancer Risk

Why would you put the Mobile Phone where it might cause cancer?   Save The Ta-Ta's!

READ MORE: http://ow.ly/A0hiV

#EstatesByTheBeach #FundingLoansAll50States #BreastCancer

Can You Still Get a Good Deal on a Home?

The seesawing housing market continues to defy economists and expectations.

Here’s a look at three big reasons why. READ MORE: http://ow.ly/zYOym

#EstatesByTheBeach #FundingLoansAll50States #HousingMarket

Call /Text your RE or Loan ?'s to 714.713.3534

5 Surprising Missteps That Sabotage Mortgage-Seekers

Here are the five most common credit mistakes that could throw a wrench in your mortgage process.

READ MORE: http://ow.ly/zX7Ia

#EstatesByTheBeach #FundingLoansAll50States #CreditMistakes

Call / Text RE or Loan ?'s @ 714.713.3534

17 Things You Should Avoid Doing If You Want To Be Happy

Achieving true happiness isn’t a one-step process. It’s an alteration of a current lifestyle; it’s trimming the fat and removing what is bringing negativity in your life. It’s realizing the difference between what should remain in yours and what shouldn’t.

READ MORE: http://ow.ly/zVEam

#EstatesByTheBeach #FundingLoansAll50States #TrueHappiness

How to Cut Energy Costs in the Heat of Summer

Here are 5 helpful ways to cut down on pesky energy costs this Summer.

READ MORE: http://ow.ly/zTXg2

#EstatesByTheBeach #FundingLoansAll50States #EnergyCost

Call / Text your RE or Loan ?'s @ 714.713.3534

Smart sources for your home's down payment

Don't let your lack of funds for a down payment stop you from buying a home.

You can "Buy A Home For As Little As 1/2 Down" and the Seller or Lender can Pay your Closing Cost.

READ MORE: http://ow.ly/zSnE2

#EstatesByTheBeach, #FundingLoansAll50States #1/2%Down

Call / Text RE or Loan ?'s to 714.713.3534

Five Attitudes That ACTUALLY Change Your Life

My life changed when I took myself out of my head and into my life. I’m the happiest, healthiest and most authentic I’ve ever been. Here’s how I got there:

I like #1:  Practice small actions, every day. If you want big results, you need to stop discounting small action. Small action triggers big change.

READ MORE: http://ow.ly/zNPfd

#EstatesByTheBeach #FundingLoansAll50States #Attitude

Do little fixes boost home sales?

To make more money, homeowners have to spend money.

READ MORE: http://ow.ly/zMdYq

#EstatesByTheBeach #FundingLoansAll50States #HomeImprovements

Call / Text RE or Loan ?'s @ 714.713.3534

Nine Reasons to Love Your Mortgage

As usual, a majority of buyers took out a mortgage. 

The hefty loan involved fundamentally alters the finances of these families -- and opens up some intriguing opportunities. 

READ MORE:http://ow.ly/zJnof 

‪#‎EstatesByTheBeach‬ ‪#‎FundingLoansAll50States‬‪ #‎MortgageLoans‬

Call / Text RE or Loan ?'s @ 714.713.3534

Health Facts on Honey and Cinnamon

Scientists of today also note honey as very effective medicine for all kinds of diseases. 

Honey can be used without side effects which is also a plus. 

READ MORE: http://ow.ly/zIkNy 

#EstatesByTheBeach #FundingLoansAll50States #HealthFacts

Hey, Procrastinator. You Lost $11,500 by Not Refinancing

About one in five people who could have benefited by refinancing their mortgage after the financial crisis didn’t do it.

The median amount of money they lost by sticking with their old mortgage was $11,500.

READ MORE: http://ow.ly/zGzRB

#EstatesByTheBeach #FundingLoansAll50States  #MortgageRates

Call / Text your ?'s @ 714.713.3534

21 Health Tricks To Teach Your Body

Whether it’s curing a throat tickle, resolving your headache in minutes or experiencing supersonic hearing, these 21 tricks are proven methods of fooling your body to achieve a desired result, whether that’s relieving pain or just having fun.

READ MORE: http://ow.ly/zFRam

#EstatesByTheBeach  #FundingLoansAll50States  #HealthTricks

7 signs of a soon-to-be-hot neighborhood

Here are the top telltale signs of a soon-to-be hot market.

READ MORE: http://ow.ly/zwpqr

#EstatesByTheBeach #FundingLoansAll50States #HyperlocalNeighborhood

Call / Text RE or Loan ?'s to 714.713.3534

How to Rise Above Difficult Circumstances and Be Happy

I like "Choose to Choose"

We can choose to succumb or make the best of what happens.

It may sometimes feel easier to be a victim, but it’s certainly not a role that leads to a fulfilling, satisfying, and meaningful life.

READ MORE: http://ow.ly/zsKR3

#EstatesByTheBeach  #FundingLoansAll50States  #RiseAbove

7 Life Lessons Happy People Have Already Figured Out

The thing all happy people have in common is the ability to look at life situations as growing opportunities.

If you want to be happier, you can learn these seven life lessons extraordinarily happy people already figured out.

READ MORE: http://ow.ly/zqBI3  

#EstatesByTheBeach #FundingLoansAll50States #BeHappy

5 reasons to buy a house in the next 5 months

Numerous factors make homebuying advantageous for the rest of this year.

"The good news is there's still plenty of runway if you want to buy a house this year."

READ MORE: http://ow.ly/zpEOd

#EstatesByTheBeach  #FundingLoansAll50States #Homebuying  

Call / Text your ?'s @ 714.713.3534

8 Reasons Not To Sell Your Home Without An Agent

Here are eight reasons why you should think again.

READ MORE: http://ow.ly/zlyyM

#EstatesByTheBeach  #FundingLoansAll50States #RealEstate

Call / Text RE or Loan ?'s to 714.713.3534

27 Life Changing Lessons to Learn from Eckhart Tolle

I like # 21. Seeking is the antithesis of happiness.

“Don’t Seek Happiness. If you seek it, you won’t find it, because seeking is the antithesis of happiness.”

“Is there a difference between happiness and inner peace? Yes. Happiness depends on conditions being perceived as positive; inner peace does not.”

READ MORE: http://ow.ly/zkci0

#EstatesByTheBeach #FundingLoansAll50States  #LifeChangingLessons

Paulson: Buying a house still best investment

"And you've locked in the cost over the next 30 years. And today the cost of owning is somewhat less than the cost of renting. And if you rent, the rent goes up every year. But if you buy a 30-year mortgage, the cost is fixed."

READ MORE: http://ow.ly/zhsiG

#EstatesByTheBeach  #FundingLoansAll50States  #BuyingAHome

Call / Text any RE or Loan ?'s @ 714.713.3534

5 Common Mistakes That Hurt Relationships + What To Do Instead

Here are 5 tips on how to take five harmful habits and replace them with five relationship enriching remedies.

READ MORE: http://ow.ly/zfChy

#EstatesByTheBeach #FundingLoansAll50States #Relationships

Six Home-Buying Deal Breakers (and How to Troubleshoot Them)

Our experts divulge the six most common home-buying deal breakers worth double-checking before you make a bid—plus what to do if something is indeed amiss.

READ MORE: http://ow.ly/zcVSB

#EstatesByTheBeach  #FundingLoansAll50States #HomeBuying

Call or Text ?'s to 714.713.3534

U.S. Home Prices to Rise 6 Percent Nationally in Coming Year

The five states with the highest home price appreciation were:

Hawaii (+13.2 percent), California (+13.1 percent), Nevada (+12.6 percent), Michigan (+11.8 percent) and New York (+11.0 percent).

READ MORE: http://ow.ly/zcj9z  

#EstatesByTheBeach  #FundingLoansAll50States  #HomePrices

Call / Text For A Free Value Check @ 714.713.3534

How to Dispute Credit Report Errors

To ensure that your score is based off the most accurate information possible, you'll need to dispute errors.

Here's a step-by-step guide on how to do this.

READ MORE: http://ow.ly/z9GAi

#EstatesByTheBeach  #FundingLoansAll50States  #Credit

Call / Text your credit questions to 714.713.3534

~We Look Forward To Earning Your Referrals

10 Habits of Unhappy People (And How to Fix Them)

As I moved forward, I discovered that what was making me miserable wasn’t outside of me, but the habits I had built up over the years.

WHAT A GREAT READ: http://ow.ly/z4fnG

#EstatesByTheBeach  #FundingLoansAll50States  #PayItForward

We look forward to earning your referrals~

15 Things You Should Give Up To Be Happy

If We Could All Just Do #5

Give up your limiting beliefs “A belief is not an idea held by the mind, it is an idea that holds the mind” Elly Roselle

READ MORE: http://ow.ly/z13AH

#EstatesByTheBeach  #FundingLoansAll50States  #Happy

Call / Text Your RE ?'s at 714.713.3534

5 Words That Can Help You Sell Your House

As the housing market’s recovery continues, there are some trends in design for this year’s high season.

Read More: http://ow.ly/yWepY

#EstatesByTheBeach  #FundingLoansAll50States  #SellYourHouse

Call / Text Loan or RE ?'s at 714.713.3534

10 Habits Of People Who Follow Their Dreams

I like # 8: They create their own rules.

- They create their own rules instead of fitting into society’s norms. They make decisions from a place of what they want to have instead of what they think they can have. This gives them the freedom to design their destiny.

Read More: http://ow.ly/yUVuj

#EstatesByTheBeach  #FundingLoansAll50States  #Dreams

- Call or Text R.E. Questions to 714-713-3534

How to Make the Most of the Homebuying Season

In this high season of home selling and buying, know your priorities, be educated on the sale’s circumstances, and make yourself stand out.

Follow these tips to position yourself best this homebuying season.

Read More: http://ow.ly/yREq0

#EstatesByTheBeach  #FundingLoansAll50States  #HomeBuying

Call / Text your Loan or RE ?'s  714.713.3534

Start with These Camera Settings to Take Great Fireworks Photos

Here's DIY Photography's take on what to set those manual settings at:

Read More: http://ow.ly/yMX8O

#EstatesByTheBeach #FundingLoansAll50States #4thOfJuly #BeSafe

Don't spray sunscreens on kids, at least for now

We would like to reemphasize our longstanding advice that you use sprays carefully, by following these tips:

Read More: http://ow.ly/yKT0c

#EstatesByTheBeach #FundingLoansAll50States #Sunscreen

9 Common Traits Of Happy People (That They Don’t Talk About)

Love #9 - Look Within For Solutions -

One of the most powerful realizations a genuinely happy person will often operate based on is “change starts within.” The empowerment that comes as a result of not only realizing this but even more so in using it as the backbone to everything in life can be quite remarkable.

Read More: http://ow.ly/yIeeN

#EstatesInTheBeach #FundingLoansAll50States #ChangeStartsWithin

Call / Text Your RE or Loan ?'s to 714.713.3534

7 things home buyers love but sellers don't list

If you have a normal house in a normal neighborhood, there could very well be things you take for granted which a first-time or relocating buyer might be magnetically drawn to if you mention it in the listing.

Read More: http://ow.ly/yGgsr

#EstatesByTheBeach #FundingLoansAll50States

Call / Text ?'s @ 714.713.3534

66% of consumers wrongly think "natural" means something

This should upset you!  

"It is misleading, confusing, and deceptive," said Rangan. We truly don't believe there is a way to define it that will meet all of consumers' expectations."

Under Federal Labeling, the word Natural means Nothing!

Read More:  http://ow.ly/yujNf  

#EstatesByTheBeach  #FundingLoansAll50states #NaturallyNotDelicous  

Call / Text Loan or RE Questions @ 714.713.3534

Solar-Panel Leases Turning Off Buyers

Add's about $25000.00 in value, but do you want the previous lease as a new buyer?

Here is what you need to know...   http://ow.ly/yrS92

#EstatesByTheBeach  #FundingLoansAll50States  #Solar

Call / Text Me with RE & Loan ?'s @ 714.713.3534

Keeping Your Home in Tip-Top Shape

This article talks about, water filters, carpet cleaning, shower curtains, fridge, freezer, cast-iron cookware, knifes, air conditioning, window washing and mattresses.

Read More http://ow.ly/yoTT4

#EstatesByTheBeach  #FundingLoansAll50States  #YourHome

Best Wall Colors for Living Rooms, as Chosen by Designers

2014 Color of the Year is?

Read More: http://ow.ly/ylfgS

#EstatesByTheBeach  #FundingLoansAll50States #Colors

Call or text any questions to 714.713.3534

30 Things You Need To Know To Be Successful In Life

Life is short. This advice will help you make the most of it...

I like #18, we need more of this:  Emotions should not guide decision-making.

A knee-jerk reaction influenced by anger or panic can destroy a lifetime of work in one moment. Wait until you are calm before making a big decision.

Read More Here:  http://ow.ly/yjx8z

#EstatesByTheBeach  #FundingLoansInAll50States #MaximizeYourChances

Homebuyers' Guide to Choosing the Right Neighborhood

Finding the right neighborhood for you and your wallet is a personal experience. While it may not always be foolproof, it's a good idea to research the important factors for a potential home before signing on the dotted line!

Read More: http://ow.ly/yh9zy

#EstatesByTheBeach  #FundingLoansAll50States #WontYouBeMyNeighbor

Real Estate or Loan Questions, Call / Text Me @ 714.713.3534

10 Things That The People Who Love Their Lives Are Doing Differently

Happiness is the result of subjective interpretation of perception.

My personal fave: They do things because they want to do them, not because they believe they have to do them.

Read More: http://ow.ly/yffyb

#EstatesByTheBeach  #FundingLoansAll50States #LoveLife

Real Estate Or Loan ?'s, Call or Text Me @714.713.3534

4 things you need before buying a home

You may feel ready to buy a home -- and you may be -- but it's a good idea to make sure you have these basics covered before you make an offer.

Without question, I think # 1 is a must....

Read More: http://ow.ly/yenSv  

#EstatesByTheBeach   #FundingLoansAll50States  #BeforeYouBuy

Call / Text Any ?'s @ 714.713.3534   (We look forward to earning your referrals)

Science Confirms Turmeric As Effective As 14 Drugs

This plant has done wonders for me!!!

Because of this plant, I was able to run a 150 miles in 25 days over a 30 day period.  

This sacred plant has revealed over 600 potential preventive and therapeutic applications, as well as 175 distinct beneficial physiological effects.

Read More: http://ow.ly/ycPnH

#EstatesByTheBeach #FundingLoansAll50States #CurcuminTurmeric

More homeowners becoming landlords

Low mortgage rates and soaring rents have convinced a growing number of homeowners to hang onto their former homes and become landlords instead.

Read More: http://ow.ly/ybTUr

#EstatesByTheBeach #FundingLoansAll50States #HomeOwnersBecomeLandlords

Call / text me ?'s @ 714.713.3534

27 Things You Won’t Regret When You’re Older

Here’s how to make the best of each and every day.

I like #17 and you?  

17. Trying to make your corner of the world a better place.  Improving the lives of other people, whether it be by volunteering or just complimenting the people around you on a regular basis, is extremely rewarding.

See More: http://ow.ly/y9W2r

#EstatesByTheBeach   #FundingLoansAll50States  #NoRegrets

Why you should lock in your mortgage rate now

Now, more than ever, banks are encouraging homebuyers to lock in their mortgage rates.

Thinking of buying a home or refinancing? Keep reading to find out why a rate lock is a good idea.

Read More Here: http://ow.ly/y5QAA

#EstatesByTheBeach #FundingLoansAll50States #InterestRatesRising

7 Things Parents Should Tell Their Kids Every Day

Anyone can be a Dad, it takes a special guy to be a good Father.   Happy Father's Day...  

Empowering Life Philosophies” for raising kids who feel resilient — kids who feel deep inside themselves that they have what it takes to bounce back from life’s assorted challenges.

Read More Here: http://ow.ly/y3i3Y

#EstatesByTheBeach  #FundingLoansAll50States #FathersDay

4 Steps To Stop Worrying About What Other People Think Of You

Here are four steps to help you stop worrying about what other people think, designed to help you maintain healthier and happier relationships with yourself and others.

Read More Here: http://ow.ly/y1b0O

#EstatesByTheBeach #FundingLoansAll50States #WhatOthersThink

13 Things to Remember When Life Gets Rough

I like #11 - You are not a victim. - You need to get out of your own way. You are only a “victim” of your own thoughts, words and actions. No one “does” something to you. You are the creator of your own experience. Take personal responsibility and realize that you can get out of your hard times. You just need to start with changing your thoughts and actions. Abandon your victim mentality and become victorious. From victim to VICTOR!  

Read More: http://ow.ly/xZ5IN

#EstatesByTheBeach #FundingLoansAll50States #ThingsToRemember

10 things home inspectors won’t tell you

A home inspection should be an objective analysis of the condition of a home that hopefully minimizes surprises or big repair bills for both sides down the line. In reality, it’s one of the most nerve-racking experiences in the real estate process.  

Read More Here: http://ow.ly/xX5vo

#EstatesByTheBeach   #FundingLoansAll50States #HomeInspection

20 Things You Should Stop Apologizing For

Apologizing can be a form of social acceptance. We try to fit in so we scoot alongside others, sometimes sacrificing our beliefs, hiding our thoughts and perfecting our behavior, all in an attempt to mend the situation and fit in.

Read More Here: http://ow.ly/xW569

#EstatesByTheBeach #FundingLoansAll50States

Landlords expect rents will keep going up in Southern California

Down Payment Assistance Programs Are Available ~ Call 714.713.3534 with ?'s

78% of SoCal landlords expect to increase rents in next 12 months--a fifth by 3% or more.

Landlords in Orange County, Inland Empire expect to be most aggressive with rent increases.

Rent growth comes after several years of gains and despite surge in new construction. There's lots of demand.

Read More Here: http://ow.ly/xUk1g

#EstatesByTheBeach #GetTheLowDown

20 Things That Mentally Strong People Don’t Do

I like #2. Remaining In Their Comfort Zone -

The comfort zone is a dangerous place, a dark abyss where anyone who remains there for too long loses his or herself entirely. Staying within your comfort zone is giving up on life.

Read More Here: http://ow.ly/xTnGX

#EstatesByTheBeach  #ItsAllWhatYouMakeOfIt

How to beat all-cash homebuyers

6 mistakes homebuyers make with lowball offers.

Here are tips for borrowers in markets that reward cash.

Read More Here: http://ow.ly/xRxAe

#EstatesByTheBeach  #PlayTheGameToWin

30 Things To Start Doing For Yourself

I like #8. Start being more polite to yourself. – If you had a friend who spoke to you in the same way that you sometimes speak to yourself, how long would you allow that person to be your friend? The way you treat yourself sets the standard for others. You must love who you are or no one else will.

Read More Here: http://ow.ly/xQhvs

#EstatesByTheBeach #StartDoingIt

4 Things Homebuyers Should Never Say

Here’s a look at four messages and mindsets buyers should avoid broadcasting.

Read More Here: http://ow.ly/xOMvg

#EstatesByTheBeach #HomeBuyers #FundingLoansAll50States

20 Life Experiences Everyone Should Try Before They Die

My fave:  #12. Instead of being angry for what you don’t have, choose to be thankful for what you do have.

Read More Here:  http://ow.ly/xNTkT

#EstatesByTheBeach #LifeWithPurpose

Waiting to buy a house? It'll cost you

Experts agree: There's no better time to buy a home than now. Find out why?

Read More Here: http://ow.ly/xncZA

#EstatesByTheBeach #BestTimeToBuy #FundingLoansAll50States

Seize The Day ~ 23 Ways To Get And Keep Motivated

Most people don’t realize that motivation mostly emerges from minor changes in your own behavior.

Read More Here: http://ow.ly/xauYN

#EstatesByTheBeach #SeizeTheDay #FundingWholesaleLoansAll50States

Americans see home as an investment again. Is that good?

Now that the market is recovering, and home prices are growing again—in fact home prices are at an all-time high in nearly 1,000 cities across the country—the siren song of seeing your home as an investment is becoming tempting once again.

Read More Here: http://ow.ly/x5boo

#EstatesByTheBeach #HomeAsAnInvestment #FundingWholesaleLoansAll50States

Bidding Wars: Fighting to Find a Family Home

The Do's and the Don't

Read More Here: http://ow.ly/wUd2U

#EstatesByTheBeach #BiddingWars #FundingLoansAll50States

Three must-haves when applying for a home loan

Lenders size up your “three c’s”

 Read More Here: http://ow.ly/wRDd7

#EstatesByTheBeach #FundingLoansAll50States #Mortgage

Toughest Markets for Renters Looking To Buy

4 of the top 10 are in California

Read More Here: http://ow.ly/wOPek

#EstatesByTheBeach #FundingLoansInAll50States

The $100 down payment mortgage exists - but should you bite?

Don't let a big down payment keep you from buying a home. Here are four mortgage options that require as little as zero to $100 down.

Read More Here: http://ow.ly/wLTiA

#EstatesByTheBeach #FundingAll50States #ZeroDown

All-Cash Deals Hit Record 43% of Total Home Sales

The demand is high, supply is low and that is precisely why more homebuyers today are relying on cash to be competitive. It is not just investors.

Read More Here: http://ow.ly/wEbLA

#EstatesByTheBeach #CashHomeSales

For a successful home purchase, buyers must get comfortable with the emotional Catch-22 in many local markets.

A great read for what you should expect, based on the spring buying frenzy.

60% of all homes are bought and sold during the spring/summer season.

Read More Here: http://ow.ly/wBveV

#EstatesByTheBeach #HomeBuying #LowRates

19 Hard Things You Need To Do To Be Successful

Do the hard things. You might be surprised at how amazing you really are.

Read More Here: http://ow.ly/wyQhP

#EstatesByTheBeach #HardThings #WhatDefinesYou

This Is One Of The Most Vital Messages Gen-Y Needs To Hear

“Look Up” is a call to arms to disconnect and the fulfillment we’ll find once we do.

To be honest, this is not just for Gen-Y, it's for all of us....

Published April 25th and almost 9 million have viewed this already.

Watch Here: http://ow.ly/wtp0z

#EstatesByTheBeach #LookUp

8 Questions to Help Resolve Your Rent or Buy Dilemma

 *Only need a 580 Middle Credit Score

**Can buy with as little as 0 to 1/2% down

Eight Questions Here: http://ow.ly/wscOr

#EstatesByTheBeach #BuyVSRent #BuyNowOrPayLAter

If you were waiting for interest rates to drop, the time to lock is now~

Borrowers Continue to Take Advantage of Low Rates!

Read Why Here: http://ow.ly/wotGT

#EstatesByTheBeach #LowInterestRates #TimeToLock

Does Anyone Like Lower Interest Rates?

HERE IS WHY: http://ow.ly/wmd0K

#EstatesByTheBeach #LowMortgageRates #TimeToLock

3 major things you need to know about the 2014 housing market

Three major things you need to know about the 2014 housing market

No. 1: 2014 should prove to be the strongest year for housing activity since before the Great Recession.

No. 2: Demographics should start to favor housing activity.

No. 3: Mortgage availability shouldn’t worsen and may improve.

Read More: http://ow.ly/w8WjL

#EstatesByTheBeach #2014HousingMarket #StrongestYear

What Does Happiness Mean To You?

6 Ways To Reach A Positive State Of Mind

Read Here: http://ow.ly/vtTq9

‪#‎EstatesByTheBeach‬ ‪#‎DoWhatMakesYouSmile‬ ‪#‎LiveLaughAppreciate‬

4 Things We Need to Give Up to be Happy

Some people pursue happiness, others create it~

Read More: http://ow.ly/voInj

#EstatesByTheBeach #Happy #JustDoIt

A Simple Guide for First-Time Homebuyers

Before you join the ranks, here are some things to do.

Read More Here: http://ow.ly/ve0oB

‪#‎EstatesByTheBeach‬ ‪#‎HomeBuying‬ ‪#‎RealEstate‬

Forget The Motivational Quotes: 45 Cardinal Rules You Need To Live Life By

I like 37 and you?

Read More Here: http://ow.ly/v1zl7

#EstatesByTheBeach #WordsOfWisdom #CardinalRules

A Selfie for Your Checks?

What You Should Know about Remote Deposit Capture.

Take the following precautions, read more here: http://ow.ly/v0QmE ‪

#‎EstatesByTheBeach‬ ‪#‎CheckSelfies‬ ‪#‎MobileDeposits‬

Will Paying an Old Debt Hurt My Credit Scores?

Remember, to consider the statue of limitations when negotiating the bill.

Totally surprised by what I read...

Read More Here: http://ow.ly/uX2b3

 #EstatesByTheBeach #CreditScores #PayingOffOldDebt

Buyers Turn to 'Pre-Underwriting' to Compete With Cash Buyers

Sure helps prevent wasted time and money later on.

Read More Here: http://ow.ly/uU7hw ‪

#‎EstatesByTheBeach‬ ‪#‎MortgageTip‬ ‪#‎PreUnderwriting‬

Hackers Are Now Targeting Your Router

Easy fix, worth the read... http://ow.ly/uScQZ

 #EstatesByTheBeach #ComputerSecurity #BeSafe

What Is a Good Faith Estimate?

What are the terms of the loan and what can and cannot change?

Read More Here:  http://ow.ly/uR6Sn

#EstatesByTheBeach #GoodFaithEstimate #GFE

Surging Home Prices Are A Double Edged Sword

Affordability troubles grow, especially for first-time buyers. 

With rates reasonably low and the spring time multiple offer buying frenzy about to happen...now is the time.

Read More Here: http://ow.ly/uQdwS 

#EstatesByTheBeach #HomePrices #Affordability 

In Observance of "International Day Of Happiness"

These Spices Make You Slimmer, Smarter, Happier

Raid your spice rack and start using these. Science finds mixing them into meals adds a health boost.

Read More Here:  http://ow.ly/uNtWn

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #Mortgage #SpiceThingsUp #SlimmerSmarterHappier

Five Things You Should Always Do Before You Buy a Home

1) Understand what you can afford
2) Get pre-approved
3) Do your research
4) Find a real estate agent
5) Get the home inspected

Read More Here: http://ow.ly/uJmaE

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #Mortgage #HomeBuyingTips #HomeBuyer #PurchasingAHome

Three Keys to Being Happy, No Matter What Happens

1) Gratitude
2) Self-Compassion
3) Passion

“Look at what you’ve got and make the best of it. It is better to light a candle than to curse the darkness.” ~Proverb.    

Read More Here: http://ow.ly/uIx0U

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #Mortgage #Happiness #Gratitude #Passion

How to get the best deal buying a new house

Housing affordability expected to continue its decline in 2014.  Home buyers, prepare for sticker shock.

Read More: http://ow.ly/uF9Ti

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #Mortgage #BestDeal #BuyingAHouse #TimeIsNow

The “If, Then Trap” and How to Avoid It to Be Happier

“Happiness is the absence of striving for happiness.” ~Chuang Tzu

Watch out for the stories that we tell ourselves.

Read More Here: http://ow.ly/uDEpb

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #Mortgage #Happiness #IfThisThenTrap #SelfTalk

11 Simple Things Anyone Can Do To Live A Healthier Life

Some of these habits are so easy to implement in order to lead a happier and healthier life.

Read More Here: http://ow.ly/uvIAb

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #Mortgage #11SimpleThings #HealthierLife #HappierLife

Ten Truths That Will Help You Through Any Challenge

1. Life is not always how you plan it, no matter how much you force or try to control it.
2. Change is inevitable, so you might as well welcome and embrace it.

Read More: http://ow.ly/ut5gP

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #Mortgage #10Truths #PersonalGrowth #StayStrong

Seven Ways Home-buyers Can Gain An Edge This Spring

In a competitive market, home buying can be a contact sport. Here’s your game plan.

http://ow.ly/urR9R

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #Mortgage #HomeSales #SpringHomeBuyingFrenzy

Ten Painfully Obvious Truths Everyone Forgets Too Soon

You know how you can hear something a hundred times in a hundred different ways before it finally gets through to you? The ten truths listed below fall firmly into that category – life lessons that many of us likely learned years ago, and have been reminded of ever since, but for whatever reason, haven’t fully grasped.

http://ow.ly/uqo4y

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains#EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings#CrimeMapping #Mortgage #ObviousTruths #LifeIsShort #LiveTheLifeYouCreate

8 Ways to Improve Your Communication Right Now

Everyone wants to communicate clearly, but little things can create big problems. Try these 8 tips today and you'll see immediate improvement.

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #Communication #KindOfImportant #CommunicateClearly

http://ow.ly/unwga

2013-14 Cost vs. Value: Remodeling Pays Off Big Time

Home improvement projects across the board are giving home owners a greater return on their investment when it comes time to sell. Find out which projects “open the door” to buyers and where remodeling dollars stretch the furthest.

JANUARY 2014 | BY ERICA CHRISTOFFER

As existing-home sales and home prices make remarkable strides upward nationwide, remodeling projects are also continuing to make a comeback in a big way.

This is the second year in a row that all 35 projects inRemodelingmagazine’s Cost vs. Value Report saw more home improvement dollars recouped upon resale of a home than the previous year.

Existing-home sales reached 5.02 million in 2013, a 9.1 percent increase from 2012, according to the National Association of REALTORS®. Home prices also rose in 2013: Existing homes commanded a median price of $197,100, up 11.5 percent from the 2012 median price of $176,800. This is the largest price gain since 2005.

Also for 2013, the cost-value ratio of remodeling projects nationwide averaged 66.1 percent, up 5.5 points over the previous year — which is, like median price, the largest increase since 2005.

Remodels That Payoff

The fan favorite in the 16th annual Cost vs. Value Report, which was released this month, was again the steel door entryway. Topping the list last year as well, this project is ideal for clients considering a quick update to the curb appeal of a home. The survey shows that a new steel door, with an average cost of $1,162, will recoup 96.6 percent of the remodeling cost at resale.

Making the biggest gain in percentage of recouped costs was the addition of a backup power generator. This project, averaging $11,742, jumped 28 percent in estimated resale value, recouping 67.5 percent of its cost in 2013. Usually at the bottom of the list, this project now ranks 25th out of the 35 projects. The increase is attributed in the report to 2013’s “unpredictable weather and multiple large storms.”

Regional Trends

The report also shows where remodeling dollars go the furthest.

Topping the list for remodeling costs recouped upon resale were Honolulu and San Francisco, at 110.8 percent and 109.4 percent, respectively. San Jose, Calif., came in third, with just shy of 100 percent of remodeling costs recouped on average. San Diego came in fourth, with 89.8 percent of costs recouped at resale; and fifth was Bridgeport, Conn., bringing in 85.9 percent of remodel costs at resale.

Also signifying distinct improvements over last year, seven of the country’s nine regions outperformed the nationwide cost-value average of 66.1 percent.  

Holding onto their positions as the top two regions for recouping remodeling costs were the Pacific (Alaska, California, Hawaii, Oregon, and Washington), with an 88 percent cost-value ratio, and West South Central (Arkansas, Louisiana, Oklahoma, and Texas), with a 76.4 percent cost-value ratio.

The award for most improved region could go to New England (Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont), which moved from sixth to third this year with an overall cost-value ratio of 74.6 percent.

The two regions that held lower cost-value ratios than the national average were the Middle Atlantic (New Jersey, New York, and Pennsylvania) and West North Central (Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, and South Dakota), with cost-value ratios of 63.2 percent and 57.3 percent, respectively.

Top Projects

If your clients are considering a home improvement project to boost the quality and appeal of their home, pass on this list of top 10 midrange and upscale projects from the 2013-14 Cost vs. Value Report:

Top 10 Midrange Projects 1. Entry Door Replacement (steel) Job Cost: $1,162 Resale Value: $1,122 Cost Recouped: 96.6% 2. Deck Addition (wood) Job Cost: $9,539 Resale Value: $8,334 Cost Recouped: 87.4% 3. Attic Bedroom Job Cost: $49,438 Resale Value: $41,656 Cost Recouped: 84.3% 4. Garage Door Replacement Job Cost: $1,534 Resale Value: $1,283 Cost Recouped: 83.7% 5. Minor Kitchen Remodel Job Cost: $18,856 Resale Value: $15,585 Cost Recouped: 82.7% 6. Window Replacement (wood) Job Cost: $10,926 Resale Value: $8,662 Cost Recouped: 79.3% 7. Window Replacement (vinyl) Job Cost: $9,978 Resale Value: $7,857 Cost Recouped: 78.7% 8. Siding Replacement (vinyl) Job Cost: $11,475 Resale Value: $8,975 Cost Recouped: 78.2% 9. Basement Remodel Job Cost: $62,834 Resale Value: $48,777 Cost Recouped: 77.6% 10. Deck Addition (composite) Job Cost: $15,437 Resale Value: $11,476 Cost Recouped: 74.3%

Top 10 Upscale Projects 1. Siding Replacement (fiber-cement) Job Cost: $13,378 Resale Value: $11,645 Cost Recouped: 87.0% 2. Garage Door Replacement Job Cost: $2,791 Resale Value: $2,315 Cost Recouped: 82.9% 3. Siding Replacement (foam-backed vinyl) Job Cost: $14,236 Resale Value: $11,124 Cost Recouped: 78.1% 4. Window Replacement (vinyl) Job Cost: $13,385 Resale Value: $10,252 Cost Recouped: 76.6% 5. Window Replacement (wood) Job Cost: $16,798 Resale Value: $12,438 Cost Recouped: 74.0% 6. Grand Entrance (fiberglass) Job Cost: $7,305 Resale Value: $5,163 Cost Recouped: 70.7% 7. Deck Addition (composite) Job Cost: $35,158 Resale Value: $22,881 Cost Recouped: 65.1% 8. (tie) Bathroom Remodel Job Cost: $51,374 Resale Value: $32,660 Cost Recouped: 63.6% (tie) Major Kitchen Remodel Job Cost: $109,935 Resale Value: $69,973 Cost Recouped: 63.6% 9. Roofing Replacement Job Cost: $34,495 Resale Value: $21,731 Cost Recouped: 63.0% 10. Bathroom Addition Job Cost: $72,538 Resale Value: $43,936 Cost Recouped: 60.6%

The data used in the Cost vs. Value Report was collected with the help of REALTOR® Magazine in an online survey between August and October 2013. More than 4,500 NAR members participated from 101 U.S. cities, up from 81 cities included in last year’s survey.

Visit www.costvsvalue.com to find information from the 101 cities included in the survey and download free PDFs that include specific metro-area market data. (Site registration is required.) Also visitHouseLogic.com for a slide show of the report’s results.

Construction cost estimates were generated by RemodelMAX. Cost vs. Value is a registered trademark of Hanley Wood, LLC.

13.1 Million Americans Hit By Identity Theft in 2013

Identity theft is on the rise again.   However, the dollar amount of loss has reduced.  1 out of 3 consumers that are notified of a security breach actually experienced fraud.

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #IdentityTheft #Fraud #SecurityBreaches

http://ow.ly/um19G

Ten Invaluable Lessons That Could Change Your Life

1. Being happy is not about what we achieve.  2. We are all doing our best.  3. We have to know and respect our deal breakers.  4. Other people’s actions aren’t about us. 5. We need to trust our intuition. 6. All the studying in the world will never be enough.  7. Face the scary stuff.  8. Accept that life and people are inconsistent.  9. We can be our own best friends. 10. We are enough.


#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #ChangeYourLife #InvaluableLessons #WordsOfWisdom

http://ow.ly/ujcVC

ARM vs. Fixed-Rate Mortgages: What's Right for You?

The Difference, Hybrid Mortgages, Which Mortgage to Choose, Should You Refinance?
To be honest, it all depends upon your short and long-term goals.   We are her to answer any questions, thanks for all of the continued support~


#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #ARMVsFixed #AdjustableRevolvingMortgages #FixedMortgages

http://ow.ly/uhCpo

Report: Buying Is 38 Percent Cheaper Than Renting

The rent-versus-buy math is different in each local market, but buying beats renting until mortgage rates hit 10.6 percent (Per Trulia)

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #RentVsBuy #CheaperToBuy #WhyRent

http://ow.ly/uf785

Smart Alternatives To Putting 20 Percent Down

#1 - FHA Loan  #2 - Down Payment Assistance through City and Federal Programs  #3 - Get a Veteran Affairs (VA) Loan  #4 - Get a USDA Loan  (Consider these Tips for a Down Payment: Bank of Mom and Dad, ROTH IRA, 401k, Sub_Savings Acct)

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #DownPayment #LowDownPayment #AlternativeFinancing

http://ow.ly/uceNf

Don't Return Calls From These Area Codes -- it's a scam!

Beware calls coming in from area codes 809, 284, 649 and 876, which like 473 are international, and are known to have been used for similar scams.  If you have voice mail – as pretty much everyone does today – there is usually no reason to call back missed calls from numbers that you do not recognize, regardless of the area code from which they originated. If a caller has something important to say, he or she can leave a message identifying himself or herself (or send you a text message). Don’t let curiosity get the best of you.


#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #PhoneScams #DoNotCallBack

http://ow.ly/u7gmT

Five Ticking Time Bombs Every Homeowner Should Know About

1) THE FOUNDATION 2) THE ROOF 3) THE SEPTIC SYSTEM 
4) OLD ELECTRICAL SYSTEMS 5) THE CRAWL SPACE 

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #HomeRepairs #HomeOwnerMajorRepairs #HomeInspection

http://ow.ly/u7eXe

Rises in Housing Inventories Offer Some Relief to Buyers

The median list price nationwide moved up in January, rising 8.3 percent compared to year ago levels, according to the realtor.com® report. The markets posting some of the largest year-over-year increases in median list prices – of 20 percent or more – include California, Detroit, and Nevada.


#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #HousingInventory #HomesOnMarket #LessCompetition #BetterBargains

http://ow.ly/u2kuw

Down Payment Assistance Is Still Available

Buy a home with as little as a 1/2% down, seller pays closing cost. Many down payment assistance programs are available to home-buyers who have some cash of their own and will use the money as a supplement. We look forward to earning your referrals!

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #DPA #D.P.A. #DownPaymentAssistance #MortgageDownPayment

http://ow.ly/tXi53

Study: Buyers, Sellers Will Jump Off the Fence This Year

“Normalcy is returning to residential real estate,” says Lee. “People are seeking homes for all the right reasons: to gain shelter and security, raise a family, and generate long-term wealth.”


#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #Buyers #Sellers #Appreciation

 http://ow.ly/tTxDT

Impact of an Extra Payment on a Mortgage

1) How Mortgage Payments Work  2) Double the Principal  3) Annual Payments  4) One-Time Payments 5) Before You Write the Check


#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #SchoolRatings #CrimeMapping #Mortgage #PlayTheRulesToYourAdvantage

http://ow.ly/tE6Bn

The Worst Things You Can Do Before Buying A Home

1. Go Credit-Crazy  2. Shuffle Dollars & Cents  3. Get Behind on Bills  4. Co-Sign on a Loan  5. Changes in Employment

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #Credit #BadThings

 http://ow.ly/tByi6

The Pros Of Home-Ownership Are Tax Write-Offs

Mortgage Interest, Points, Taxes, When You Sell, Unforeseen Circumstances, Foreclosure Tax Troubles, What's Not Tax Deductible

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #MortgageDeductions #HomeOwnerTaxWriteoff

http://ow.ly/tzeX9

Need Less, Have More: Life Expands When We Eliminate the Excess

Need Less, Have More: Life Expands When We Eliminate the Excess

We’re constantly waiting for our lives to be complete with more and striving for a day that will never come.

“Knowledge is learning something new every day. Wisdom is letting go of something every day” ~Zen Saying

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #LessIsMore #NeedLessHaveMore

http://ow.ly/tudrG

Mortgage Rates Hit Three-Month Low

The average rate on a 30-year fixed-rate mortgage was 4.47% last week, down from 4.52% the week before, the Mortgage Bankers Association said Wednesday.

Thanks For All Of The Referrals, We Appreciate The Continued Support.   : ))

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InterestRates #3MonthLow

http://ow.ly/tmGkz

19 Things Remarkable People Think Every Day

Make it a remarkable week! 

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains
#EstatesInTheInland #EstatesInTheDesert #RemarkablePeople

http://ow.ly/t0CIk

The 5 Most Confusing Things On Your Credit Report

1. Boxes and More Boxes 2. All Those Inquiries 3. All Those Student Loans
4. Collection Account Confusion 5. Where’s My Score

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #InteractiveMapSearch #Credit #CreditReport

 http://ow.ly/sFkd2

The Best Home Loan For Your Credit Score

Fannie Mae or Freddie Mac, Portfolio, FHA, VA, USDA, Sub-prime, Hard-Money
Mortgage Loans are available down to a 550 Score on a Portfolio Loan. (No Seasoning Required on Bankruptcy or Foreclosure)  FHA down to a 580 and Hard-Money sometimes have no score requirement.

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #Mortgage #FundingAll50States

http://ow.ly/sCUFd

21 Habits of Happy People

Happiness is one aspiration all people share. No one wants to be sad and depressed. We've all seen people who are always happy – even a midst agonizing life trials. I'm not saying happy people don't feel grief, sorrow or sadness; they just don't let it overtake their life. 

The following are 21 things happy people make a habit of doing; read more at: http://ow.ly/soOyu 

#HappyPeople #21Things #EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert

Why 2014 Should Be A Good Year For Housing

1) Look for Fannie and Freddie's new regulator to push for looser underwriting, down payment requirements
2) The New Regulations do not seem to have as much impact as the media portrayed.

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains #EstatesInTheInland #EstatesInTheDesert #MortgageRuleChanges #RealEstateNews

http://ow.ly/sk5vS

Convince Your Bank That You're Mortgage-Worthy

People with low FICO scores do get home mortgages, even today. 

Here's how they do it.  http://ow.ly/shSpz 

#EstatesByTheBeach #EstatesByTheVineyards #EstatesInTheMountains#EstatesInTheInland #EstatesInTheDesert#InteractiveSearchMaps #Mortgage #FHA#VA #Conventional #Subprime #HardMoney