From Anna Matsunaga Keller Williams Realty Tacoma 253 353 2662 www.teammomentumrealestate.com
Many buyers took advantage of the tax credit for purchasing a home and now some of those folks are in a place where they need to move or sell. What then, the rules provide for the buyer staying in their home at least 3 years, if they can't what then.
Here is a link to an article that may help answer the question for your situation. Also if you are in the area and would like tax advice regarding this situation, please contact me and I will put you in touch with a great Tax expert who can help you. Need to sell your home, afraid it might be a short sale? I am experienced with that as well and have all the resources you will use along the way.
Here is the link and looking forward to talking with you soon.
Thinking you may rent your home instead? Call me in that case as well I have resources you will find helpful.
Anna Matsunaga 253 353 2662
www.teammomentumrealestate.com
From Anna Matsunaga, Team Momentum, Keller Williams Tacoma 253 353 2662
www.teammomentumrealestate.com
When you are a real estate buyer, whether this is your 1st 10th or 100th transaction, if you are financing it each time you will make a decision about who you go to to procure your loan. How do you choose? What are the differences? How do you know if you have some one who is good?
Here are some simple steps that will make all the difference in the world for you.-
1. First find a Realtor you trust and hire them to represent you.
2. Get a list of preferred lenders from your realtor
.
3. Call each of the lenders-
-
When you do note things like a. Did they answer the phone or get back with you in a prompt manner?
b. Did you feel comfortable during your interaction?
c. Did they answer your questions or make a time to get back with you with the answers?
d. Did they make a time for a consultation with you?
If the answer is yes to these questions they are likely above average.
4. Set an appointment with one or more of them for an interview. At the interview there are many questions you will likely have, here are a few you may not have thought to ask and to which the answers are important.
a. May I speak with 3 of your references?
b. When is the best time to reach you via phone if I want to talk with you?
c. Do you have a team? Or will you be doing all the processing of the loan from start to finish. ( the right answer to this is yes I have a team and XXXXX is what they do, you want some one who has a support team)
d. Will you require you have all my paperwork before you give me an approval letter? ( again the right answer to this is "yes")
e. How will you insure that I have a copy of an approval letter available when I find " the perfect house" even if it is on the weekend or late in the day?
f. Will you keep me and my realtor in the loop as things develop? How will you keep us up to date during the loan process and how often should we expect to hear from you?
g. How do you prefer to communicate (ie email, text, phone, in person and so on)
With that said, here is a list of 4 local lenders I have had very good experiences with thus far who I would recommend interviewing.
Brenda- Republic Mortgage- 253 732 4448
Alan-Sterling Savings- 253 232 3972
Paulette- Guild Mtg 360 451 5139
Heather-Director's Mtg 253 576 5757
Know you will be happy with any of them, they are all very good, communicative and professional.
Happy shopping, and looking forward to helping you find that perfect next purchase! Call me so we can set you up for your free consultation and get you your buyer's guide.
www.teammomentumrealestate.com 253 353 2662 --Anna
From Anna Matsunaga, Team Momentum, Keller Williams Realty Tacoma
www.teammomentumrealestate.com
253 353 2662
With the new postal rates coming into effect as of the 1/22/2012, I am going to the post office today to pick up the "make up stamps" as well as to mail post cards to clients. Since I sell real estate, I do use alot of stamps.....
Got busy and realized it was past 5pm, no worries, there are locations open longer....so if you are wanting to run in to the closest post office or postal station to up date your stamp inventory....here is a link that has all the local stations and office's hours, could save you time!
http://www.hoursmap.com/c/tacoma-wa/us+post+office-hours-locations-s1254658
Need your new stamps? You have the information you need it, where to go and when they are open. Me? I am headed over to the post office at Evergreen station, if you are one of my real estate clients in the Tacoma area, if you don't have it already, one of my Winter seasonal cards is on it's way to you now. Let me know what you think. :)
--Anna Matsunaga
From Anna Matsunaga, www.teammomentumrealestate.com Keller Williams Tacoma
253 353 2662
Here is information that was passed on to me to help home and business owners who experience damage from our recent storm in Pierce County.....Hope it is helpful to you! Please pass it on if you know some one who needs the help.
Pierce County residents and business owners that suffered any damage from the ice and snow storms beginning on January 16th, should report those damages to the Pierce County Damage Assessment Center (DAC), by calling 1-866-798-6363 (toll free). The Damage Assessment Center is open Monday through Friday, 8 A.M. to 4 P.M. Visit the Pierce County Emergency Management Blog for additional information at
From Anna Matsunaga, Team Momentum, Keller Williams Realty 253 353 2662 That's 253 353 ANNA!
www.teammomentumrealestate.com
Considering buying a home? Not sure because of all the things you are hearing about with the market?
Time to get the facts.
1. There is no "best time" to buy. The best time is the best time for you. If you intend to live in your home long term, historically you will come out well in your investment regardless of exactly where you are in the market when you buy.
2. Home prices are down, way way down. ( Under 2003 prices here in Pierce county)
3. Interest rates are great! ( much lower than they were in 2003 which makes homes far more affordable than they were then, what drives your monthly payment even more than the price of your home is your interest rate)
---so if you want to consider moving forward to owning your own home here are some steps to take.
These apply whether you are ready now or want to move forward in a year or 2. You will want to meet with and get qualified with a lender even if you are not ready just yet since you will want to know where you stand and if there are things you will put on your "to do" list to make it so you are qualified. If you are not ready yet, you can use the time in between to make yourself ready by the date that you have planned.
1. Find a Realtor(r) that you trust to guide you through the process. Talk with them and schedule a time for a consultation. Then if it is a good fit, hire them to work for you. ( Did you know that you can hire them to help for FREE?)
2. Ask your Realtor(r) to refer you to lenders who they and their clients have had good experiences with. ( this is a good idea since to do their job a Realtor(r) must work with lenders on an ongoing basis and know who gives good service and communicates well and who does not. They know who can provide you with an approval letter on the week end, who picks up the phone, who returns calls and so on.)
3. Interview the lenders and decide on one. ( If you would like a list of questions you may want to ask please contact our team, www.teammomentumrealestate.com)
4. Provide them with all of the documentation they need as soon as you can.
5. Let your Realtor(R) know as soon as you have your approval and make sure it is an approval, not just a pre-qualification,
and get it in writing.
6. Read the information your Realtor(r) gives you about the buying process and ask questions.
7. Work to get clear on what you really want in your home. ( Materials your Realtor(r) provides you may be very helpful here and so will consulting with your Realtor(R)
8. Start shopping for real, this is the fun part......along the way we will be here to help you with the resources and information that will help you make good choices and feel secure each step of the way
. 
** Keep in mind, most people are actually in a position to either buy a home or buy their next home sooner than they think they are, it is usually just a matter of getting started on the steps. Some people will use credit repair, or save for downpayment before they buy. Some will have other things that will be done first. Consulting with your Realtor(r) and their preferred lenders will get you started on the path so you will know what it is you intend to complete before buying....or you may find you are qualified to buy right now and if that is the case you can decide if you want to do it now or set a date in the future.....either way you are on your way!
We look forward to helping you realize your next move forward in your life! We will help you whether you are in our area or not, if you are in our area, contact us so we can meet for your free consultation, if you are out of our area, contact us so we can find you a GREAT Realtor(r) who specializes in your area! www.teammomentumrealestate.com
www.teammomentumrealestate.com
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