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Washington state to implement e-recycling law.

11-17-09
Frank Festa NJ Estates Real Estate Group
Frank Festa NJ Estates Real Estate Group: Real Estate Agent in Warren, NJ
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  • Office: (908) 561-6499
  • Mobile: (908) 295-1639
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The Washington state SenateThe Washington State Senate is the upper house of the Washington State Legislature. The body consists of 49 Senators, respresenting an equal number of districts across the state, each with a population of nearly 120,000.

..... Click the link for more information. has passed a bill that aims to boost recyclingrecycling, the process of recovering and reusing waste products-from household use, manufacturing, agriculture, and business-and thereby reducing their burden on the environment.
..... Click the link for more information. of electronics in the state.

NJEstates.net

Senate Bill 6428 passed the Washington state Senate by a vote of 38-11 and the House by a vote of 69-29.

The bill requires electronics manufacturers to develop and fund an electronics recycling program in the state that uses community drop-off centers run by retailers, nonprofits and government agencies.

In a press release, Rep. Brian SullivanBrian Sullivan is a women's basketball assistant coach at Bellarmine University. Bellarmine is an NCAA Division II program that competes in the Great Lakes Valley Conference. This is Sullivan's second stint with the program, following one season with the Lady Knights in 2003-04.
..... Click the link for more information. (D-Mukilteo), chair of the House Natural Resources, Ecology and Parks Committee and sponsor of the House version of the bill, says, "The beauty of this approach is that it makes recycling simple and free for consumers and links electronics recycling with electronics manufacturingThis article presents a typical manufacturing process of an electronic assembly.

Component manufacturing Components such as resistors, capacitors and integrated circuits are generally made by specialized contractors.

..... Click the link for more information., allowing companies to save money if they reduce their use of toxic materials."

The bill was supported by Hewlett Packard, Amazon.com, Wal-Mart and the Washington Retail Association as well as by local governments and environmentalists, according to according to
prep.

1. As stated or indicated by; on the authority of: according to historians.

2. In keeping with: according to instructions.

3. Sullivan.

The bill has been sent to Gov. Christine Gregoire Christine O'Grady "Chris" Gregoire (born March 24, 1947) is the Democratic governor of the U.S. state of Washington. Gregoire's election to the office in 2004 was notable for her historically slim margin of victory over Republican Dino Rossi, who had appeared to defeat Gregoire on for her signature.

According to the bill, manufacturers must participate in an independent plan or the standard plan to implement and finance the program no later than Jan. 1, 2009, and must register with the state by Jan. 1,2007, and annually thereafter.

Manufacturers must submit their initial independent plans or the standard plan by Feb. 1, 2008, according to the bill. The state Department of Ecology will review each plan.

Paul Stillwaggon,
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Fannie requirements up again - bigfunnels.com - Jumbo limits extended

11-16-09
Paul Luykx
Paul Luykx: Loan Officer in Jersey City, NJ
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  • Office: (800) 405-0607
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Fannie Mae is again raising lending criteria: DTI to 45%, Fixo to 620, financing 5 years following foreclosure with 680 Fico, higher PMI requirements, 75% ltv max for 2-unit+ investment property, higher reserves, the official retirement of construction-to-permanent financing!, and more. /// Fannie changes take effect Dec 12. I think it is more than likely that FHA will also up the standards again. Elimination of seller concessions and raising the minimum down to 5% are possible. Read more. /// Make it a good week folks :) - Paul
Do you qualify for a jumbo mortgage?
Plenty of lenders offer jumbo mortgages now, although the requirements are stricter than they used to be. Read more. (Prospect Mortgage has the most liberal lending criteria in the industry! - P).
BigFunnels.com
Interested in working with me, build a huge funnel, and do many sales? Check the ultimate funnel building, and contact conversion solution. BigFunnels.com.

Temporary jumbo loan limits extended through 2010
The temporary increased maximum loan limits originally set to expire at the end of the year will remain in place through 2010, according to the Federal Housing Finance Agency (FHFA). The limits for conforming jumbo loans eligible for purchase by the government-sponsored enterprises (GSEs) was set at $417,000 for single-family homes by the Economic Stimulus Act of 2008 (ESA) and the Housing and Economic Recovery Act of 2008 (HERA), but were set to expire at the end of 2009. more

Rates down a bit
The national average for the 30-year fixed was at 4.91% with 0.7% fees and points last week. Freddie Mac rate surveys.
Available
- Direct lender for FHA, Fannie, Freddy, VA, USDA, Jumbo, other loans
- Same day loan decision
- 30-day closes (45-days for FHA)
- FHA loans down to 560 Fico
- 50-70% LTV stated income loans (600-700 Fico needed)
- 90% LTV Fannie Mae condo loans
- Loans for non-residents
- Rehab and construction loans
- Non-warrantable property loans
- Reverse mortgages
- Commercial loans
Contact me for excellent service!

____________________________________

"The road to success is always under construction" -
Lily Tomlin
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Tax Credit Has Been Extended

11-16-09
Eddie Perez
Eddie Perez: Real Estate Agent in Hoboken, NJ
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  • Office: (201) 222-7550 x18
  • Mobile: (201) 344-2886

Congress passed a bipartisan measure extending the Life_Preserver_final$8,000 home buyer tax credit to April 30, 2010. The extension is estimated to contribute approximately $22 billion to the economy.

The legislation, which is part of a larger bill that also extends unemployment benefits.

The law also includes a $6,500 tax credit for buyers who are current home owners and have lived in their home for five of the past eight years.

Income limits for eligible home buyers were also expanded to $125,000 for single buyers and $225,000 for couples, up from $75,000 for individuals and $150,000 for couples. Qualifying home prices are capped at $800,000.

For more valuable information please go to Making Homes Affordable.

Since there is more time to utilize the $8,000 tax credit, make this your opportunity to find the ultimate Hoboken home. Contact Eddie Perez at (201) 344-2886 or go to Hoboken Condo Expert.

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HUD's New Good Faith Form

11-16-09
Eddie Perez
Eddie Perez: Real Estate Agent in Hoboken, NJ
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  • Office: (201) 222-7550 x18
  • Mobile: (201) 344-2886

The Department of Housing and Urban Development is making an attempt to simplifyhousing-market-recovery-graphic the process of looking for a loan. On Jan. 1, 2010, a new Good Faith Estimate form, or GFE, will be introduced that will outline the costs of a loan, including a revised settlement statement which shows your final loan costs and is signed at closing. HUD has made the estimation that an average borrower will save nearly $700 because they can now clearly define costs and compare loans.

For many buyers it can be difficult to understand the costs that are built in to their loan. If a buyer is given a loan where the cost is very clear it will make it easy to compare other loans and make informative decisions.

While shopping for a loan we all need to take the time to compare the different loans that are available. Hopefully, the new Good Faith form will help buyers better understand the type of loan they will be getting.

For more great information go to Everything You Need To Know About a Short Sale.

There are so many advantages to being a first time buyer in this current market. For more information regarding how I can help you negotiate the best deal on your first home, contact Eddie Perez, Broker-REALTOR, CDPE. My market includes Hoboken, Jersey City, Weehawken and Union City. I can be reached at eddie@InvestHoboken.com or 201-344-2886.

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A Rise in Pending Home Sales

11-16-09
Eddie Perez
Eddie Perez: Real Estate Agent in Hoboken, NJ
  • view my blog
  • Office: (201) 222-7550 x18
  • Mobile: (201) 344-2886

As reported by the National Association of REALTORS® $8,000 Home Buyers Creditpending home sales have risen for an eight consecutive month making this the longest period of growth since 2001.

The Pending Home Sales Index,* a forward-looking indicator based on contracts signed in September, rose 6.1 percent to 110.1 from a reading of 103.8 in August, and is 21.2 percent higher than September 2008 when it stood at 90.9.

The gain from a year ago is the largest annual increase on record, and the index is at the highest level since December 2006 when it was 112.8.

For more great information go to Look What $334,000 Buys You in Hoboken.

As a top Hoboken REALTOR, I can help you through the entire process of buying your first home. If you are looking for assistance in finding the perfect home in Hoboken, contact Eddie Perez at (201) 344-2886 or go to Hoboken Condo Expert.

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