Are you addicted to Twitter and updating your status on Facebook. As of Jan 1st California will make it illegal to Text while you are driving. I know this seems like an obivious thing not to do but be honest I know I have punched in a reply while navigating through traffic once or twice ;)
Well now you don't have to type. Just say what you want, using your hands free device of course.
Dial2Do - Is a FREE Service and is available in 23+ Countries. You get all the functionality of Jott including, reminders, compose SMS or Emails, you can sync it to read you your email and you can even add appointments to your calander. All for FREE. Dial2Do also syncs to Ping.fm, Twitter, Blogger, freindfeed and a bunch of other tools.
Jott - Gives you quick 15 second note taking ability for free but charges for all the additional services.
PhoneTag - Formerly Simulscribe Charges a per message fee or a monthly subscription.
Yap - Comming Soon. We don't know what the terms of the service will be but you can register on their site to find out more when the service becomes available.
Dial2Do, Jott and PhoneTag all use a combination of Voice reconition software and Human verification to ensure accuracy. The Voice Reconition Software for Yap is susposed to be so advanced very little human correction is needed.
Now go out there and keep both hands on the wheel!
Danke Schoen,
Nate Ellis
This morning I was looking for guidelines on the National Homebuyers Fund (NHF) Access Program for a client who is writing an offer. I went as I normally do to their web site www.nhfloan.org to find what I was looking for...
NHF still offers 100% CLTV financing, even if the home is in a declining market. The program can be leveraged for purchase money and rate-term refinances. The program can help borrowers with credit scores as low as 600 with automated approval. The program works by setting up a First Mortgage up to 95% and either a 2nd with low payments or Grant Funds with some down payment for the remainder.
So I typed in the url and nothing (Address Not Found)... I tried it again...Still Nothing. So I did a google search. I have the right address so I click on the link again... NOTHING (Address Not Found)!!! Another casualty of the mortgage meltdown I figured....
BUT Wait!
I did not give up there. I figured I'd try to call them. I found a phone number on one of the newsletters I have received from them."Were Sorry but we can not connect you call at this time." Maybe they really are gone.
I tried one last resource. Citi Bank handles the servicing for NHF, let me call one of my friends over there. I got my buddy Jay Cook on the line and he told me "NHF isn't there anymore." "They are moving down the street to a larger building." Wow! What a relief. The program is still alive.
It turns out that they disconnected everything during the move which will be completed in December. No Phones, No Website, just fond memories of a program to be Thankful for.
Now to find out if there are still funds and if our offer has been accepted???
Danke Schoen & Happy Thanksgiving,
Nate Ellis
Check with your loan officer for specific details and restrictions about the program.
If I was President...
We'll actually I am. I was just elected 2009 President of the Realtors Marketing Association (RMA) in San Ramon, Ca. Our elections were held on November 13, 2008.
Check out the speech I gave to win the election. It's all song titles. Can you guess How Many?
Congratulations to the rest of the elected board!
Mike Tacconi - Vice President
Ernie DeCoite - Treasurer
Joni Toy - Secretary
Haisam Nijem - Sgt at Arms
Dean Kanat - Sgt at Arms
The Thursday morning Real Estate Marketing meeting is held at the San Ramon Community Center and is a forum for Realtors to showcase homes for sale in San Ramon, Danville, Alamo, Blackhawk. Immediately following the meeting is the Broker's Open House Tour were Professionals can visit the homes presented at the meeting and other that are open for viewing.
I am know as Mr Danke Schoen,and have been member of the Realtors Marketing Association since 2004. I greet everyone at the meeting with a smile and a song every Thursday morning. The meeting is a great place to network and share incredible energy from all those in attendance.
Danke Schoen,
Nate
So, the New $700 Billion Dollar Mortgage Bailout Bill (aka. HR 1424) has been passed by both houses of Congress and signed by the President.
Now What? How does this Bill help Main Street?
There are 4 major components designed to help Joe Sixpack on Main Street.
While the over all Goal of the Bill is to give the Market a "Shot in the Arm", markets did not react favorably. Stocks, Gold and Oil all closed down after the signing.
So how does the plan work to Free up the Credit Markets? The plan is by the the Fed buying up the debt that nobody else wants, banks can then lend money more freely. The Banks will not have to increase their reserves to cover delinquent loans and foreclosed assets, because they have sold these notes to the taxpayers.
Since the Banks don't have to increase their reserves they can lend money more freely in the market and the leverage can get the economy rolling again.
These Loans and other debt that the Feds have procured can be renegotiated to help troubled borrowers regain financial stability. Since the Feds are buying the debt at a discount the goal is that restructuring the payments could stop the default hemoraging and eventually turn a profit.
To help mitigate "Runs on the Bank" on institutions like Wachovia, currently seeking refuge in the arms of Citi Bank or Wells Fargo, a provision to temporarily increase the FDIC insured deposit limit to $250,000. This should help big and small banks that are struggling from having their deposits wiped out keeping them in business.
There have been several riders and amendments stuffed into the Bail Out Plan. These include money for rural schools, mental health benefit inclusions and a bunch of tax extensions and exemptions. The most important of which is the delay of implementing the Alternative Minimum Tax (AMT) for one year.
The delay of the AMT will save save middle class Americans from a tax increase and help them have more money that can be spent to help the economy.
To read the $700 Billion Bail Out Bill in its entirety use this link.
http://www.govtrack.us/data/us/bills.text/110/h/h1424.pdf
Danke Schoen,
Nate Ellis
So you have been scouring the web for Freebies. You have found the Ultimate List of Free Stuff that Everyone Should Know About. have you been searching for a Free alternative to Microsoft Office? What about a program to edit your photos Professionally. Maybe you just want to make free calls from your computer to any phone. You will find these and many more solutions here.
So why is this the ultimate list? Because you can add your own freebies to the list. If you write a review about the item I will link the notes to your review. So submit away.
Why pay for something if someone is giving it away here for free! Get the List of Free Stuff that Everyone Should Know About
Danke Schoen and Enjoy! ~Nate Ellis
If you have other suggestions about Free Anti-Virus, Free Spyware remover, Free Internet Browser,Free Word Processor, Free Spreadsheet, Free Email, Free Calendar, Free Phone, Free website, Free cool tools, Free Photo, Free Video, Free Real Estate, Free research, Free Education, Free fax or other Free Tools -Please click the "Add to the List of Freebies" button above.
If you do add a suggestion to the list. I reserve the right to edit, and or remove information you have provided. If any of the links above do not work or information provided is not accurate, please comment and I">ll look into getting them corrected.
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First Time Home Buyer Specialist-FTHB Down Payment Assistance-DAP Affordable Housing Specialist Below Market Rate CalHFA HomeWay.tv Nate@HomeWay.tv Mr Danke Schoen 925-337-8489
The Origin of Mr. Danke Schoen - Dancing with the Stars!
"Danke Schoen...Oh darlin'..." That golden voice. Wait is that a guy or a girl? It's a very young Wayne Newton.
Wayne is not so young these days as he clearly showed America on Dancing with the Stars.
For years I have been told I resemble a young Wayne Newton. A few years ago I took the resemblance to a new level. As a room sponsor for the Contra Costa Realtors in Motion I to a had to give a speech to a room of 250 people. Boy was I nervous!
Now I had been attending the meetings for almost 2 years at this point in relative anonymity. My boss said it would be a good place to network with Realtors, so I went. I generally sat at the back of the room and hung out with the same 5 people each week. I remember looking at the Broker's tour sheet (a list of homes that would be open that day) just circling properties so it looked like I was doing something.
Fast forward 2 years, I know a few more people and can recognize most of the local players. It is my week to speak. Most people get in front of the group and bore us to tears talking about how they offer great rates, and they have this program and that program. O.K. I did a bit of that myself, it was my first time alright!
Ahh, but that's when I separated myself. I pulled the mic from the podium and ...
At first nothing came out. I had come to my big crescendo and I froze. I took a deep breath and and began belting out "Danke Schoen" with a few word variations to make it topical to Real Estate. At first I was singing in that Wayne Newton falsetto, but soon settled into my strong tenor voice. I finished my couple of verses and received thunderous applause from the room. The singing and hard work have become my trademark.
Before a few years ago I did not know who Wayne Newton was. Now I must thank him, for through his music I am truly living a thankful life.
~ Danke Schoen
Nate Ellis
MtDHOC Mt Diablo Housing Opportunity Center Steering Committee Chair
Vice President 2007 & 2008 Contra Costa Realtors in Motion
Affiliate of the Year 2006 & 2007 Contra Costa Realtors in Motion
City of Walnut Creek Certified Lender
Certified Money Management Volunteer
16 Years of Customer Service
BEFORE YOU BUY:
Whether you're a first-time buyer or a seasoned homeowner, Nate Ellis will help you before you buy and every step of the way once you're ready to finance your home.
You know what you want, so look to us to help you get there. By choosing Nate Ellis, you're putting yourself in a winning position. Of course we offer the variety of loan programs you'd expect. But the right mortgage program is just the beginning. There's so much more we offer before, during and long after your loan closes. And in the future? Whenever you want to make the most of your home investment, we'll be there.
City of Pittsburg First Time Home Buyer Assistance
Get up to $100,000 to help you buy your first home in Pittsburg, Contra Costa County, California.
Summary: The City of Pittsburg offers First Time Home Buyer's Down Payment Assistance of 24% of the purchase price or a maximum of $100,000. The assistance is a 0% interest loan bound with an Affordable Housing Resale clause. To be eligible for the assistance you must buy a home in the incorporated limits of Pittsburg and meet the income guideline restrictions based on the number of persons living in home.
Special financing may also be available, including additional Down Payment Assistance and Below Market Interest Rates. Restrictions Apply.
To see if you are eligible for assistance contact Nate Ellis.
Or Call 925-337-8489
Click Here to download the official brochure.
City of Concord First Time Home Buyer Program
Get up to $25,000 to help you buy your first home in Concord, Contra Costa County, California.
Summary: The City of Concord offers First Time Home Buyer's Down Payment Assistance of 20% of the purchase price or$15,000 or $25,000 depending on income. The assistance is a 0% interest loan bound with an equity share clause and an Affordable Housing Resale clause. To be eligible for the assistance you must buy a home in the incorporated limits of Concord and meet the income guideline restrictions based on the number of persons living in home.
Special financing may also be available, including additional Down Payment Assistance and Below Market Interest Rates. Restrictions Apply.
To see if you are eligible for assistance contact Nate Ellis.
Or Call 925-337-8489
Click Here to download the official brochure.
City of Walnut Creek First Time Home Buyer Program
Get up to $65,000 to help you buy your first home in Walnut Creek, Contra Costa County, California.
Summary: The City of Walnut Creek offers First Time Home Buyer's Down Payment Assistance equal to 17% of the purchase price to a maximum of $65,000. The assistance is a 0% interest loan bound with an equity share clause. To be eligible for the assistance you must live or work in the incorporated areas of Walnut Creek and meet the income guideline restrictions, 110% of median income, based on the number of persons living in home.
Special financing may also be available, including additional Down Payment Assistance and Below Market Interest Rates. Restrictions Apply.
To see if you are eligible for assistance contact Nate Ellis.
Or Call 925-337-8489
Click Here to download the official brochure.
Nate Ellis "Mr. Danke Schoen" is the Vice President of the Contra Costa Realtors in Motion (CCRIM) real estate marketing group. He specializes in assisting First Time Home Buyers with no money down by leveraging Down Payment Assistance in the form of grants and "silent seconds". Nate Ellis is a certified lender for the City of Walnut Creek, City of Concord and City of Pittsburg First Time Home Buyer program, as well as several other San Francisco Bay Area Cities. Nate Ellis is also the Chairman of the Mt Diablo Housing Opportunity Center (MtDHOC) steering committee. The MtDHOC acts as the central resource for Contra Costa County's housing needs and education regarding: First Time Home Buyers, Foreclosure Prevention, Senior Housing and Landlord and Tennant resources. Nate Ellis is also a Certified Money Management Volunteer (CMMV) for Money Management International and assists people with credit evaluation and financial education. Nate Ellis is a certified CalHFA, CalPERS and FHA Lender. Nate Ellis is a Loan Officer for Residential Pacific Mortgage 3201 Danville Blvd, Alamo, CA 94507. Equal Housing Lender. http://www.cahousingblog.com/ Nate@BuilditBuyitRefiit.com Help Teachers, Cops, Firefighters and EMTs be Good Neighbors.
"You really made a dream come true."
~ Sasha, Richmond - Teacher, First Time Home Buyer
"Thank you for helping us improve our credit. Our new financing has helped us save over $500 a month."
~Ron and Harriet, Concord
"Our move out of state was crazy enough... Thanks for helping us keep the house here and buy the new one."
~ Rene and Renee, Peekskill-NY
You don't have to be a First Time Home Buyer to be a First Time Home Buyer.
That's right! You could have owned a home in the past and still qualify as a First Time Home Buyer.
There are lots of great financing options and down payment assistance for First Time Home Buyers. But what if you're not a buying your first home? Can you still get those great rates and assistance?
The answer is YES!
Let's start with the federal definition of a First Time Home Buyer.
A First Time Home Buyer is defined as someone who has not owned a primary residence (a home you live in most of the year) in the past three (3) years.
So if I owned a home in the past, I could still be considered a First Time Home Buyer? ...YES!
But wait...There's more:
There are several exceptions to the rule which also may allow you to be considered a First Time Home Buyer.
•· A single parent who has only owned with a former spouse while married.
•· An individual who is a displaced homemaker and has only owned with a spouse.
•· An individual who has only owned a principal residence not permanently affixed to a permanent foundation in accordance with applicable regulations.
•· Any individual who has only owned property that was not in compliance with State, local or model building codes and which cannot be brought into compliance for less than the cost of constructing a permanent structure.
Every program has its own definition of what constitutes a First Time Home Buyer. Most follow the federal guidelines, but the most restrictive of policies is usually applied.
Some programs also make exceptions for any buyer if the property is located in a HUD census code that is slated for revitalization. In these areas many of the First Time Home Buyer Restrictions are lifted to promote role model ownership. Under these programs you are generally required to take occupancy of the property for a minimum set period of time to get the advantages of the program without penalty.
Exceptions can also be made for Teachers, Law Enforcement, Firefighters and Emergency Medical Technicians. Check out the Good Neighbor Next Door Program for more on special programs for these individuals.
Nate Ellis "Mr. Danke Schoen" is the Vice President of the Contra Costa Realtors in Motion (CCRIM) real estate marketing group. He specializes in assisting First Time Home Buyers with no money down by leveraging Down Payment Assistance in the form of grants and "silent seconds". Nate Ellis is a certified lender for the City of Walnut Creek, City of Concord and City of Pittsburg First Time Home Buyer program, as well as several other San Francisco Bay Area Cities. Nate Ellis is also the Chairman of the Mt Diablo Housing Opportunity Center (MtDHOC) steering committee. The MtDHOC acts as the central resource for Contra Costa County's housing needs and education regarding: First Time Home Buyers, Foreclosure Prevention, Senior Housing and Landlord and Tennant resources. Nate Ellis is also a Certified Money Management Volunteer (CMMV) for Money Management International and assists people with credit evaluation and financial education. Nate Ellis is a certified CalHFA, CalPERS and FHA Lender. Nate Ellis is a Loan Officer for Residential Pacific Mortgage 3201 Danville Blvd, Alamo, CA 94507. Equal Housing Lender. http://www.cahousingblog.com/ Nate@BuilditBuyitRefiit.com Help Teachers, Cops, Firefighters and EMTs be Good Neighbors.
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