The Truth In Lending Act of 1968 (TILA 1968), also known as Regulation Z was designed to protect consumers by requiring full disclosure of all lending fees to a potential buyer prior to purchase and settlement.
Regulation Z has recently been amended, and will apply to loan applications filed on or after July 30, 2009. It’s a law and a fairly complex one at that. I included the full amended link here.The tiny print just reminds me to get my eyes checked.
“Say What?” is a fairly common response to the question of, “How are you preparing to respond to the new provisions of Reg Z?
For more about how to advise Buyers and Selllers about the new lending provisons of Regulation Z in the Truth In Lending Law see MainLinePaToday
You all know about the $8,000 First Time Home Buyer tax credit
that’s chasing down the November 30th 2009 deadline, right?
But did you know that the American Recovery and Reinvestment Act of 2009 has a nice little tax benefit and some bright ideas for current home owners if you improve your home’s energy efficiency on items like skylights (who has a skylight that doesn’t need improving?) doors, windows, and some metal and asphalt roofs. Could be as much as 30% of the cost of the project up to $1,500.
And the “green” tax credit also covers installation costs for
See MainLinePaToday for additional information about Green Tax Credits and how Pennsylvania is using their Recovery Funds:
Our July 2009 Real Estate Market Statistical Report compares the Chester County Real Estate Market Activity for July 2007 to July 2009 for Chester County Homes Sold, Chester County Homes For Sale, Median Sold, Chester County Median For Sale and Median Under Contract Real Estate Pricing.
The National Association of Realtors® reports in the NAR National Existing Home Sales Report, that for the first time in 5 years
Come visit MainLinePaToday for more Chester Coounty Real Estate Markt Activity information for July 2009:
Town Homes and Condos offer some good choices for First Time Home Buyers, Seniors downsizing and Investors because of the attractive lifestyle. The Community of Chesterbrook in Wayne 19087 Tredyffrin Township PA is one of Chester County’s most popular Town home and Condo locations.<!--more-->
See Main Line Pa Today for more Nw Condo Town Home Buyer Tips:
766 Hedges Lane in Wayne Tredyffrin Township, PA 19087. This a wonderful neighborhood, quiet cul-de-sac location just minutes to the R5 Strafford Train with easy access to Philadelphia, all major corporate centers such as Great Valley, King of Prussia and Chesterbrook.
766 Hedges Lane is a very spacious home featuring 5 bedrooms, 3.5 baths and a first floor Master Bedroom Suite. There are 3 bedrooms plus 2.5 baths on the first floor providing the potential for either an in-law or au pair suite. A formal dining room and formal living room with fireplace and picture window views to a large slate stone patio plus a paneled family room comprises the overall generous square footage.
Two additional spacious bedrooms are located on
See MainLinePaToday for more information about 766 Hedges Lane in Wayne Pa:
Chester County Pennsylvania|Philadelphia Main Line Realtor, Neighborhood expert and Relocation Specialist welcomes ALL your real estate questions~"Superb Service, Superb Results", ABR,GRI,SRES,ePro.
My promise is to provide you with professional "Suburb Service and Superb Results" that exceeds your expectations throughout your Real Estate journey and beyond the day of your property settlement by:
Personal -
Faith, Family and Friends are most important to me. Ask me about my two precious children and three equally precious grandchildren, a favorite topic of mine, when I'm not talking about real estate.
Other personal favs are taking walks with Daisy, my Bichon puppy dog. I Love all kinds of music, but especially Mozart, classical piano, Hymns and Jazz. And I love to read.
I enjoy photography as a hobby. Digging in the dirt and growing things is another favorite pastime, especially container gardening, to attract butterflies and hummingbirds. My knitting/crochet obsession of making fashion scarves, hats and children's toys seem to be popular with friends and family.
As a long term resident of The Philadelphia Main Line and Western Suburbs, with 16 years of experience as a Realtor®, I'm proud to say that I work as a full time Realtor® associated with Prudential Fox and Roach Realtors® at our Devon Home Marketing Center in Devon, Pa.
Chester County Main Line Pa Buyers love to choose the ease of "one stop shoping" with excellent affiliated services, such as Trident Mortgage Company, Trident Land Transfer Title company and Trident Insurance Company.
Community Service:
"We make a living by what we get, we make a life by what we give"
I've served ten years as the Prudential Fox and Roach Charities liason and Advisory Council Representative including the Prudential Fox Roach Community Service Day Representative for our Devon Office. Our Devon volunteers have donated their time to benefit Habitat For Humanity sites, Valley Forge Historical National Park building restoration, City Team Ministry, Baker Industries and Damian House.
In addition to time, our Devon Agents have contributed generously to benefit the local community with donations to: The Sunshine Kids, Greater Philadelphia Cares-"Reading Stars", Baker Industries in Malvern, Habitat For Humanity in Chester County, City Team Ministries in Chester County, Bethesda House in Philadelphia, Plan of PA in Wayne, and Achieve-Ability in Philadelphia.
Judy's Professional Membership:
Judy's Realtor® Credentials:
The important message, is that you know that you are working with a Realtor® who makes an ongoing committment to education and the highest level of professional service.
Thank you for all of your help. You are very patient, kind and and you have a thorough knowledge of the market in the Philadelphia area. EH
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Judy is an outstanding Relocation Professional. We will recommend her without hesitation. Chris and Rob
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Michael and I want to thank you so much for everything you have done for us. You really made it a great experience for us, buying our first house! We absolutely love it!! Thanks, Kelly and Michael
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Thanks for all of your help with the house and the settlement. It was great working with you. We truly appreciated all of your help and guidance throughout the home buying process! We'll be sure to pass you name along! Thanks for everything! Diane and Jeff
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Thank you so much for your help in the purchase of our home. Everyday we love it more. We hope you and your family are well. Thanks again. We couldn't have done it without you! Beth and Jay
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Thanks for all you've done for us. Your advice and insight has been invaluable and much appreciated.Linda and Greg
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You have been a joy to work with this past several months, patient, efficient, conscientious and thoughtful. Prudential Fox Roach is lucky to have you. We will certainly recommend you whenever possible. MJ
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Thanks you for showing us the neighborhoods. I enjoyed your company. You made our overwelming task seem much more managable. Thanks again for your time and your expertise. Tina and Jim
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Thank you so much for everything you did for us and for being a terrific real estate agent. We'll be calling you when we're ready to buy and sell in the future. Thanks again! John and Pam
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I really do want to thank you for all your hard work and dedication to finding my condo. I absolutely love it and know that it's really "the one"! You are a wonderful real estate agent and I also enjoyed getting to know you. And, as you promised - we did have fun!!! Kim
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Thank you for helping us find the perfect home and for introducing us to George Winston. Denise and Donn
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