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Randal Group Gab: December 2009
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Tuesday, December 22, 2009. Refinance your home or move? By Lori Rozsa • Bankrate.com. While the tumultuous real estate market has many people hunkered down hoping it will all blow over, proactive homeowners are looking beyond the uncertainty. They're weighing a decision about whether to refinance their current mortgage or trade up to a house they couldn't afford three years ago. But before you take the leap, real estate professionals caution that the same basic rules about buying a home still apply.
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Randal Group Gab: July 2010
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Friday, July 30, 2010. Top 6 Reasons to Buy Your First Home Today. 1 Affordability. Based on recent property declines and current interest rates, home affordability has not been higher since it was first tracked over 40 years ago. Your grandparents couldn't have received a better interest rate than you can today. 3 Build Wealth. Unlike paying rent, with each mortgage payment you make, you build equity and you decrease your income tax liability. Owning a home is still the best long-term investment. 5 Stab...
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Randal Group Gab: August 2010
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Tuesday, August 3, 2010. Five Reasons to Buy a Home Now. 1 Low mortgage rates serve as an equity shock absorber. When buyers borrow at today's record-low rates, they start building equity as soon as they close. That means they can absorb a few ups and downs as the still-recovering housing market gains traction. 3 Terrific houses are coming on the market. Foreclosures are finally starting to clear the system, and they are being replaced by some very attractive properties. Dale and Randy Johnson. My wife D...
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Randal Group Gab: January 2010
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Friday, January 22, 2010. 6 Surprising Facts About the Buyer Tax Credit. The homebuyer tax credit is not as simple or straightforward as you might think. Here are some nuances that will affect homebuyers who plan to use it. To qualify for the move-up tax credit, a home owner must have occupied the same principal residence for five of the last eight years consecutively. Buyers can elect to claim the credit on either their 2009 or their 2010 tax return, whichever is best for them. Dale and Randy Johnson.
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Randal Group Gab: November 2010
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Friday, November 5, 2010. Make hay while the sun shines. What a great opportunity to take advantage of record low rates. Just when it looked as if mortgage rates couldn't fall any further, they did. Rates on 30-year fixed-rate mortgages (excluding jumbos) hit an average of 4.3% in September, the lowest level since 1953, according to Freddie Mac, and are still hovering below 4.5%. Fifteen-year rates are even more mouthwatering: 3.8%. Mind you, those are averages. So what's in this for you? Let's say you t...
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Randal Group Gab: August 2009
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Monday, August 31, 2009. The $8,000 income tax credit for first time homebuyers (as defined by the US Government) expires as of November 30th, unless the Congress extends or modifies the program. If you are are first time homebuyer, it is now time to get off the fence. With less than 90 days left until the program expires (you must close the transaction by November 30th) time is short. Home prices have not been this low since early this decade and mortgage money is still cheap. Dale and Randy Johnson.
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Randal Group Gab: May 2009
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Thursday, May 14, 2009. Georgia Governor Signs Housing Tax Credit Bill. On Monday, May 11, Governor Sonny Perdue signed legislation into law that creates a new state income tax credit for home purchases in Georgia. The tax credit will apply to purchases of eligible properties between June 1 and November 30, 2009, and is expected to spur activity in the housing market. In addition, eligible single family residences include:. New single-family residences; Previously occupied residences that were for sale p...
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Randal Group Gab: April 2010
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Tuesday, April 20, 2010. Cost Between Renting and Owning Narrows. The cost difference between buying and renting is as narrow as it has been since 1993, according to a study on homeownership by Marcus and Millichap Real Estate Investment Services for the Associated Press. The study examined rent and home prices in 45 metropolitan areas and concluded that gap between a payment on a median-priced home and median rent on a similar property is on average only $256. Cleveland, Indianapolis, and Orlando. My wi...
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Randal Group Gab: September 2009
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Friday, September 18, 2009. Can You Get a Loan Today? Changes in the housing and mortgage industries have prompted many people, including the media, to wonder: "Can you get a loan today? The answer is simple: Yes! Despite the negative headlines over the past year, there's actually plenty of money available for loans. In fact, reports indicate that over $2.7 Trillion in loans were originated in 2009. That's over $1 Trillion more than 2008. What does this mean to borrowers today? Dale and Randy Johnson.
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