Real Estate Latino (Bill Arce)

County has 15th fastest-growing Hispanic population in country Originally published October 24, 2008 By Ashley Andyshak News-Post Staff

Frederick County has the 15th fastest-growing Hispanic population in the country, according to a study released Thursday. The county's Hispanic population has nearly tripled since 2000 and now stands at 12,900, according to a study by the Washington-based Pew Hispanic Center. Frederick is the only Maryland county among the top 25 fastest-growing locations. Frederick County, Va., topped the list with a Hispanic population that nearly quadrupled from 2000 to 2007. Six other northern and central Virginia counties, along with Berkeley and Jefferson counties in West Virginia, also ranked in the top 25.

Though the study does not state reasons for the population growth, researchers suggest that jobs are the driving force. "Hispanics are sensitive to labor market opportunities. They tend to migrate where the jobs are," said Richard Fry, Pew's senior research associate. "I think that's probably reflective of why so many Virginia counties are on the list." While jobs in construction and real estate have declined in recent years, the number of Hispanics working in trucking, manufacturing, landscaping and service industries has continued to grow, said Jorge Ribas, president and chief executive officer for the Mid-Atlantic Hispanic Chamber of Commerce. The chamber's membership includes businesses in Maryland, Virginia and Washington.

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Bank of America hizo el anuncio desde sus oficinas centrales en Calabasas, CA, la creación de su nuevo programa que esta diseñado para modificar sistemáticamente las hipotecas de dueños de casas que estén en problemas o al borde de una ejecución hipotecaria.

Se espera que el programa asista con una reducción de intereses y del principal con el valor de unos $8.4 billones de dólares, ayudando así a más de 400,000 clientes de Countrywide Financial Corp., (compañía esta que fue adquirida recientemente por Bank of America) en varios estados, incluyendo Florida.

El programa fue el resultado una demanda judicial ganada por el Fiscal Estatal de California incluyendo otros estados. El programa le ofrece a los dueños de casa a la oportunidad de renegociar una nueva y más asequible mensualidad a aquellos dueños de casa con hipotecas subpreferencial o prestamos ajustables que servidos por Contrywide y originados antes de Diciembre 31 del 2007.

El personal que trabaja sirviendo los prestamos de Contrywide serán equipados para asistir a los dueños de casa que deseen tomar ventaja de este programa a partir de Diciembre 1, 2008. Para este tiempo también el personal calificado estará contactando directamente a los prestatarios que califiquen para renegociar sus términos.

Uno de los puntos más importante del programa es que no se iniciara o se seguirá con el proceso de ejecución hipotecaria con los dueños de casa que puedan calificar bajo este programa hasta que Contrywide haya tomado una decisión definitiva de la elegibilidad del prestatario.

Como centro de este nuevo programa estará ayudar a los dueños de casa que están seriamente atrasados en estos momentos o se encuentran en una situación desfavorable y en peligro de atrasarse con los pagos como resultados de cambios en el interés ajustable o cambios en los pagos mensuales.

Los dueños de casas que sean elegibles para participar en el programa podrán beneficiarse de varias opciones que les aseguraran una modificación asequible y duradera. Los pagos mensuales del primer año donde se incluyen, el pago al principal, los intereses, impuestos a la propiedad y seguro de la casa, se trataran de mantenerlos alrededor del 34 porciento de los ingresos totales del prestatario.

Unas de los requisitos para calificar en el programa es, ocupar la vivienda y mantenerla como la residencia principal. Bajo el programa nacional Contrywide no exigirá un recargo a clientes potenciales que modifiquen sus prestamos, además de eliminar los cargos por penalidad al hacer un prepago de la hipoteca subpreferencial y con intereses ajustables.

Bienes Raices con Bill Arce

OCTOBER 16, 2008

Paul Verna, Senior Analyst

Blogging has become so pervasive and influential that the lines between blogging and the mainstream media have disappeared.

That is the main finding of a Technorati-sponsored survey of bloggers conducted in July and August 2008 by Decipher.

"Blogs are now mainstream media," said Richard Jalichandra, CEO of Technorati, in an interview with eMarketer. "We've certainly seen that with the number of professional, semiprofessional and passion/enthusiast bloggers who are creating real media experiences. At the same time, you're also seeing mainstream media come the other direction to add blog content."

comScore Media Metrix found that blogs had 77 million unique visitors in the US in August 2008, compared with 75.1 million unique visitors to MySpace and 41 million to Facebook. In July 2008, comScore's ranking of the top 10 entertainment Websites included four blogs. Two of those, OMG and TMZ, were rated Nos. 1 and 2, respectively.

Among the Technorati survey's own findings, one of the more eye-opening ones was a 2-to-1 male/female ratio among bloggers worldwide.

A closer look at the gender breakdown by geography shows that bloggers in Europe and Asia skewed even more heavily male (73% each), while US bloggers showed a less drastic gender split, with 57% males and 43% females.

Mr. Jalichandra acknowledged that the gender skew could be at least partially attributed to "the type of people that come to Technorati and register." In other words, if Technorati's user base leans male, then its survey data would naturally reflect that bias.

Another important caveat to the gender data is that the "State of the Blogosphere" report was limited to adults. Other surveys of blog use among US teenagers indicate that younger bloggers are predominantly female.

One-third of respondents had been contacted by a brand or agency to be a brand advocate.

That number correlates closely with the percentages of bloggers worldwide who frequently share personal experiences with companies or brands (34%) and frequently include product reviews (37%).

Agencies and brands from all verticals rely on eMarketer Total Access for analysis and data. Daily articles are just the tip of the iceberg. Find out what you are missing. Learn more about Total Access today.

Hoy salio en las noticias que el fiscal estatal de la Florida estará investigando alrededor de 10 compañías por abuso y malversación a la hora de ayudar a sus clientes y prometiendo que le limpiarían el crédito. El fiscal también advirtió a toda la población que hicieran muchas preguntas y no se limitaran a contactar su oficina para denunciar un mal trato.

Mi Concejo: Existen organizaciones sin fines de lucro (comunitarias) que te pueden ayudar por prácticamente nada de cobro y si calificas hasta gratis. Estos servicios los puedes encontrar visitando www. real estate latino.com o escribiendo me en este foro y con gusto te ayudo a encontrar una cerca de ti.

Saludos, Bill Arce (realtor Latino)

HUD USER has posted a Comprehensive Housing Market
Analysis (CHMA) report for the Corpus Christi, Texas
area. This recent CHMA contains valuable information for
builders, mortgage lenders, borrowers, local planners,
and others who need to keep up with the area's housing
conditions and trends. Prepared by field economists in
HUD's Office of Policy Development and Research, the
report provides data that are useful in anticipating
changes in the demand for new housing. Our analysis
describes the economic, demographic, and housing
inventory characteristics of the Corpus Christi housing
market area from 1990 to 2000, from 2000 through May
2008, and makes projections regarding anticipated market
activity during the 3-year period of June 1, 2008 to
June 1, 2011.

This CHMA, as well as previous CHMA reports examining
areas across the nation, is available
at www.huduser.org/publications/econdev/mkt_analysis.html.
All HUD USER CHMA reports are available as free downloads.