Officials from the city will hold an informative meeting tonight to explain a program offered through the Des Moines' Neighborhood Stabilization Program whose goal it is to rehabilitate foreclosed properties in the city. The meeting will take place at the Neighborhood Finance Corporation at 1912 6th Ave. tonight at 4:30pm.

Local developers and contractors are the target audience. City staff will be on hand to explain how the city will determine which properties will be eligible and how the city will finance the program. Money is being to help developers "to acquire and rehabilitate properties. Upon sale, all proceeds, minus a developer fee, will be returned to the city to reinvest in the program."

There will be two phases of the program. The first will likely include nine to 14 houses and will involve about 1.2 million in financing. Phase 2 will begin when additional funding becomes available for planned renovation of six to 10 houses.

The Neighborhood Stabilization Program was created by Congress in 2008 to redevelop foreclosed and abandoned properties. The City of Des Moines received $3.9 million from the program. For more information, contact Senior City Planner David Dunn at 283-4287 or dmdunn@dmgov.org.*

This is a much needed program that should provide a multifaceted benefit of: expanding the available supply of quality housing in blighted areas, providing funds and opportunites for contractors, reducing blight and unoccupied housing stock, and raising the taxable value of properties that might otherwise not be properly rehabilitated.

*Source: City of Des Moines

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We BUY Short Sale Properties - Call us if you NEED one bought! 515-240-8582 We can make an offer within 24 hours.

You may have heard a lot recently about Des Moines short sales and be asking yourself what is a short sale? Certainly with the increase in mortgage delinquencies and foreclosures, there have been many more short sale opportunities. A short sale is sometimes called a pre-foreclosure sale, and that describes one aspect of it. It is a house sale that takes place before foreclosure is completed, and thus it avoids the property going into full foreclosure. The reason it is called a short sale is because the money paid for the house is short of the amount that is owed on the mortgage. You may be wondering why any lender would agree to such a deal. After all, they are legally entitled to get the whole outstanding amount that is owed on the mortgage. The way they would normally do this is by foreclosing on the house, and then selling the house for more than the debt. However, normality has taken a backseat recently, with the plummeting house prices, and many houses are not worth the amount that is owed on the mortgage. As a result, the short sale may be the practical answer for the lender to minimize his losses. It has been calculated that every house which goes to foreclosure costs the lender more than $50,000, with legal costs, the paperwork and the reselling, etc. If the lender can instead sell the house for a little less than is owed, he may find that an attractive proposition. It also provides money for him more quickly than foreclosing and then trying to sell the property. In case you were thinking that this is a good way to pay less for your house than you owe on mortgage, then you should be aware that a short sale can only be made to an unconnected third-party, and not to your Uncle Charlie who could then sell it back to you and thereby reduce your debt. The advantage to the present owner is that he can avoid foreclosure and consequently he ends up with less of a blot on his credit record.

Stop Foreclosure in Des Moines

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Credit is like your health - If you needed a heart transplant - wouldn't you want the best surgeon? If you had cancer - wouldn't you travel a little father to go to the cancer hospital instead of the "regular" hospital? It's like that with credit repair - there are lots of companies out there ready to take your money. Some just plain offer more services than others - period.

We are not trying to be the largest credit repair company out their - we are simply striving to be the best. There are many people out there who can not afford my level of service. If you want to hire a "dispute mill" then call me and I will give you the names of some of my friends who charge much less than I do. Every year I attend conventions on credit repair and conventions for collection agencies. It amazes me that my competitors are still cutting corners to save money when they could be getting a lot better results for their clients if they just spent some more money - but they won't due it because their clients are not paying them enough money for them to spend more. I charge more - AND I get better results - and you know what happens? My clients are happy and I get more referrals!

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:)
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Toll Free Fax: 888-FAX-4020 (329-4020)
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330 Roberts Street 4th Floor
East Hartford, CT 06108

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Yes, I said lipstick.

You know, a quick fix to look prettier? I "borrowed" that from someone a few years ago. Can't remember who, but I've used it since. It works out perfectly in the real estate world. Pretty houses sell....

I often hear the question...what does my home need to sell?

The answer is easy. Really...it is. Your home must look great, be in good condition, and must be priced right. Period. Know this...a buyer is looking for a home that stands out from the rest. They want that "feeling" when they walk in the door. Shag carpet isn't going to do it!

Many don't want to spend the money to update

I'm not asking you to remodel, or even do anything unnecessary. Just step outside of your own shoes, become the buyer, and walk through your home. Is your carpet dated or worn? Replace it. Are your walls white or too bright? Paint them. Is your house dirty, dusty, or piled to the ceiling? Fix it! Realtors offer staging advice and will even recommend or hire a staging service for their sellers. Listen to them...they know what they are saying!

Check out these quick fixes

This homeowner had VERY dated carpet, paneled walls, and older appliances and fixtures. Replace these...and things look much better. First picture is before, 2nd is after. Enjoy!

Have more questions? There are definitely more answers. Feel free to connect with me via Facebook, Twitter, Text, Email, or by cell. I'm happy to help.

asalmon@firstrealtyhomes.com

Des Moines area Realtors. Please email me if you have any G.E. Supra Lock boxes for sale. We would be happy to buy any that you have, also any metal sign frames. Please email me if you would sell these items or if you know a Realtor getting out of the business that may have these items for sale. scott@eFlatFeeReatly.com or call me at 515-770-7653. Scott

send us sellers if you can't help them due to seller equity issues and we will send you referrals if we have a seller that needs traditional service at some point.