Have you ever went swimming in cold water? At first you dip your big toe in the water to see how cold it is. Then
you walk in to just below your waist...... Man! This is cold!.....Finally, you take the plunge! You throw caution to the wind and fully submerse yourself. After a couple of minutes, you're used to the water and have a great time!
This reminds me of how our government has approached the crises in the housing and credit markets. At first all they did was dip their big toe in the water. That is, they didn't do much! Mostly they just talked crap about how the housing markets were just fine and that there wasn't anything to worry about.
Then lenders started dropping like flies and the real estate market ground to a halt in a lot of big time markets. Property values in some markets started to plunge. The governments reaction to this was a little bit more substantial, but still not much. In essence, this was them wading in until the water was up to their thighs.
Then the big banks and Wall Street Investment houses started feeling the pain....
Oh MY GOD! RICH PEOPLE ARE GETTING HURT......QUICK, DO SOMETHING!
In came Fed Chairman Ben Bernake and Treasury Secretary Paulson to the rescue....of the rich people. They looked at the situation and decided that the housing markets were just experiencing a "correction" and that what needed to be done was to cut the fed funds rate and the discount rate in order to help the banks out.
True, they at this point were all the way in, but the problem is that they are in the WRONG POOL!
While the government was focusing it's efforts on stabilizing the stock and bond markets, homeowners across the country were seeing their equity evaporate before their eyes. Some people, who had planned on refinancing out of riskier mortgages were stuck because the value of their homes had fallen. Other people who WOULD have wanted to buy a home became afraid that owning a home wouldn't be a good investment, so they decided to continue renting.
The real estate market entered a downward spiral and still the government did very little. President Bush and Secretary Paulson's introduced a "Freeze" plan, which in my opinion was a joke. But at least it could be viewed as the government finally sticking a toe in the "right pool".
Now there is talk in Washington and therefore in the media about doing more to deal with the crises. There is talk of forming a "Resolution Trust" sort of entity to buy the mortgages that are in default or in danger of default and "fixing" what is wrong with them so that people can afford to stay in their homes. The hope is that by doing this that it will reestablish confidence in the real estate markets and that people will start buying homes again.
Where Have I Heard Somebody Talking About This Sort Of Thing Before?
The Fed Is Looking Out For The Big Guy, But Who's Going To Look Out For The Little Guy?
Activerain 08/23/07
Activerain 08/27/07
Activerain 08/27/07
Home Ownership Is Too Important To Do Nothing About
Activerain 11/26/07
Home Ownership Too Important 2
Activerain 11/27/07
Home Ownership Too Important 2 (cont.)
Activerain 11/27/07
I'm From The Government And I'm Here To Help You
Activerain 12/04/07
Activerain 12/05/08
Take Two Fed Rate Cuts and Call Me In The Morning
Activerain 01/16/08
Is It Two Late To Save The Empire
Activerain 01/17/08
Four Concrete Steps To Save Housing Values
Activerain 01/17/08
Activerain 01/29/08
Activerain 01/30/08
Are Foreclosures Really The Problem?
Activerain 02/09/08
Honestly, I don't know why it has taken so long for the powers that be to start to come around to my way of thinking? I wrote the first of these posts back in August 07.
The reason that I'm pointing them out now is not to stroke my ego...though it does feel good to say "I told you so", but because "Housing IS Too Important To Do Nothing About" . And while there are a lot of peo
ple who don't have a bunch of faith in government run programs (myself being one of them), I also feel that there are some things that the government is in a unique position to deal with. The crises in the credit markets is one of these situations!
One last point.....if the government does eventually create such a program it won't be the first time. In addition to the Resolution Trust Corporation (which worked out fine, by the way) the government also created the "Home Owner's Loan Corporation, which at one point held 20% of all mortgages in the US. This was back in 1933.
Hopefully, it won't take us going into a depression this time before the government sees fit to directly address the problem.
R.B. "Bob" Mitchell
ValueList Real Estate Services, Inc.
Bob Mitchell is president of ValueList Real Estate Services, St. Louis' largest discount/full-service real estate and mortgage company. If you would like to find out more about Bob, ValueList or our flat-fee listing program, please feel free to visit our web site at valuelistre.com
A comment from a member of the public on one of my previous posts (News Flash - Real Estate Values To Rise)called into question my belief that it's not the housing markets that are broken, but rather the credit markets that are causing the housing markets to suffer.
In his comment the gentleman pointed out that there is over a one year supply of homes on the market here in
St. Louis and the surrounding areas and that the number of foreclosures and auctions are higher than they've ever been. To this, I have to say that I agree with him. There are a lot of homes on the market right now and foreclosures are a problem.
That's not to say that people don't want to buy homes. They do! In the past week, I've gotten several telephone calls from people asking when I thought the real estate market was going to bottom out. A friend of mine called and mentioned a home that is across the road from his uncle's place that he wants to take a look at. The daughter of a friend of a different friend called me and asked if I thought that now was a good time for her and her new husband to think about buying a home.
These folks watch tv. They know that the real estate markets have been sucking wind for a while now, but that doesn't stop them from WANTING to own their own home!
Are they going to pull the trigger right now? I kind of doubt it. My buddy who wants to look at the place across the road from his uncle's also said that while he wants to look at it, that he doesn't want to make an offer until the price drops another $10,000 or $20,000. When I see him, I plan on smacking him upside his head!
My friend's daughter is still a bit nervous that if she buys something that it will be worth less next year than it is right now. I was honest with her, she might be right! I also pointed out to her that she should be looking at buying a home as a long term investment, not something to look at over just a 12 month period. NEWS FLASH - This is the way that real estate investments SHOULD be looked at!
Anyway, I don't know when this market is going to bottom out. I think that a lot of it depends upon if our government takes direct, proactive steps to address the problems in the credit markets. If they do, I think that a recovery in the real estate markets, even those worst hit, will actually happen fairly quickly. As I mentioned, I still think that people WANT to buy homes.
If the government either won't or can't come up with some solutions to the credit market's problems, then it might be a fairly long time before the housing markets recover.
Does this mean that my buddy should continue waiting for that price to fall or that my friend's daughter should hold off indefinitely from buying that first home? I don't think so. I think that they both should look at buying real estate right now as a long term investment. One that might take 5 or even 7 years to bear fruit.
People kind of got away from looking at buying a home this way. That's okay because even when people do start to accept the fact that the hold time on a real estate investment is going to be as long as 5 or 7 years, they are still going to WANT to own their home! This is the base for real estate. It's a base that we can build upon!
R.B. "Bob" Mitchell
ValueList Real Estate Services, Inc.
Bob Mitchell is president of ValueList Real Estate Services, St. Louis' largest discount/full-service real estate and mortgage company. If you would like to find out more about Bob, ValueList or our flat-fee listing program, please feel free to visit our web site at valuelistre.com
Bar talk. Are you familiar with the term? It's when you're sitting at a bar and there is some guy sitting there who
is obviously the world's smartest man! No matter what you're talking about, he's the expert!
I've always felt the there was something about real estate that brought this out in people, even when they weren't sitting at a bar with a few drinks in them. In the past, I've teased that ALL men have a gene in their DNA that makes them an expert when it comes to real estate. I've been involved in real estate since 1984 and I'm the one guy who apparently doesn't prosess this gene!
Well, Blogging is another one of these instances where people get to spout off their opinions and claim to be an expert in one subject or the other. The particularly bad thing about blogging is that if you call yourself an expert long enough and you gain a certain amount of notoriety in a community, others will start to view you as an expert.
I just noticed this today while reading a blog about a lady who had her content swiped by another blogger. In this post she referenced a post by another AR member on copyright. She referred to her as AR's "Queen" on the topic.
Well, first of all, I'm not using particular names because I don't want to stir up another battle royal as I did the last time I wrote on copyright. If you can read between the lines and guess who I'm talking about, then that's cool. I'm not attempting to slam anybody here, I just want to make a point.
That is, that just because somebody writes with a tone of authority, doesn't make that person a true expert! Especially in a topic as open to interpretation as copyright law!
If you read the comments on my post about the "Fair Use Doctrine" and "Fair Use Doctrine II", you will see that quite a few people disagreed with me. In particular AR's resident "Queen" on the subject thought I was full of crap! From some of the other comments you will see that, at least her on AR, that people place a far greater amount of faith in her opinions when it comes to copyright than they did on mine. This is cool, I'm a big boy and can take it.
The problem with this is that she was wrong! At least according to a world renown authority on the topic. Actually, he didn't come right out and say that she was wrong, instead in an email to me, he linked to an example where he personally did the exact same thing that I had done.
He also pointed out that even though he has an extensive amount of experience in the field, including having worked for the US Government as copyright counsel to the US House of Representatives and as the policy planning adviser to the register of copyrights that various courts throughout the world didn't always agree with him.
Anyway, again, my point here isn't to slam anyone. It's to make sure that you take what you read here with a grain of salt. While you can indeed learn a great deal from reading the various posts, use it as a jumping off point. Do your own homework. In this particular case, I read the actual statutes and when I wanted affirmation that my interpretation was correct, I emailed this guy. It's amazing that all I had to do was ask and he was kind enough to have exchanged several emails on the topic. I am now comfortable that I was indeed correct in my interpretation of the law. If some of the folks here on AR don't agree with me, at least " Let me buy you a drink!"
R.B. "Bob" Mitchell
ValueList Real Estate Services, Inc.
Bob Mitchell is the president of ValueList Real Estate Services, Inc., St. Louis' largest discount/full-service real estate and mortgage company. To find out more about Bob, ValueList or our flat-fee listing program please feel free to visit our web page, valuelistre.com
One of the things that a lot of people don't realize when they buy a "new construction" home is that there are a lot
of finishing touches that you need before that house turns into a home. For example, many builders don't install garage door openers or shelves in the laundry room, etc.
Last week I listed a property at 2105 Shannon Place in Wentzville, Missouri (MLS #8001003)that was built as a spec home. My clients just closed on it 5 months or so ago. Since they bought it that have done quite a few of these "finishing touches" such as sodding and seeding the lawn, installing a ultra fast/ultra quiet garage door opener, installed tub enclosures, installing a blower on the gas fireplace to make it more energy efficient. They've also put up window treatments, etc.
The biggest thing that they've done is that they built a $12,000.00 "Trex" brand composite (maintenance free) deck onto the back of the home. When you add everything that they've done to the home, it adds up to almost $20,000.00.
As you can probably guess, they had intentions of staying in this home for quite some time, but as life sometimes goes, their situation has changed and now they need to move out of town. So basically, their loss is your gain!
Priced at $214,900.00 this home is a steal considering all the work that they've done on the home! So, if you're looking a "new" home, you may want to consider this one. As you can see from the pictures, it's a handsome home on a level lot. It also features upgraded maple cabinets, a spearate tub/shower in the master bedroom suite and vaulted ceilings in the bedroom, kitchen and great room.
The seller is also willing to help pay some closing costs with the right offer and ValueList is offering a special financing program on this property (call for details). So, if you're considering buying a new home or if you're an agent who might have a buyer, it's extremely easy to view this home. Simply call to make an appointment!
R.B. "Bob" Mitchell
ValueList Real Estate Services, Inc.
Bob Mitchell is the president of ValueList Real Estate Services, Inc., St. Louis' largest discount/full-service real estate and mortgage company. To find out more about Bob, ValueList or our flat-fee listing program please feel free to visit our web page, valuelistre.com
****Please note that if you are a buyer under a buyer's agency agreement with another agent, please call that agent in order to have them make an appointment to view this home!
The other day I wrote a blog called, "An Ethical Dilemma - To Stand or Not" that told the story of my going to a
concert where the US Marine Corp had come on stage in order to recruit. The MC attempted to cloak this recruiting effort in a veil of patriotism by encouraging everyone "to stand to show our support for the troops".
I was in somewhat of an awkward position in that we were attending the concert as a guest of my girlfriend's employer and I am animately against the War in Iraq, as well as the idea of recruiting young people to fight in it. The long and the short of it was that I sat my fat ass back down and didn't participate. My girlfriend saw my actions and even though we were the only people in that box to have done so, she joined me in sitting down.
The next day I wrote about the experience in a public post and one of my regular readers questioned me about whether or not I should be so public in my disapproval of the war. He asked me during the phone conversation if I wasn't afraid of alienating a potential client who may read this post, if they disagree with me.
I thought about it.
"Hmmmm, yeah it's one thing to have an opinion, but it's another thing to express it publicly. Especially if the subject of that opinion is fairly controversial."
But then I thought about it more and came to the conclusion that as long as I'm respectful and am careful to examine both sides of an issue, why should somebody be alienated because of my political opinion? If they are too closed minded to accept the fact that I am a caring, thinking individual who retains his right to be able to express his opinions, then screw them! I probably wouldn't want to work with them anyway!
Not that I don't need the money...did I mention that I still have two kids in college? But when it comes to important issues of the day such as the War In Iraq or Global Warming or the legalization of drugs, don't I almost have a responsibility to utilize what limited bully pulpit I command to get the word out? Especially considering that some of my views are what you might call controversial? If I don't speak out for them, who will?
So, from a business point of view I guess that it comes down to doing the math. Do I gain more business from writing about my views than I lose because some people won't agree with me? I honestly don't know.
I do know that I had a polysci professor in college who told me, "Bob, it's not important what they remember you for as much as it is that they remember you!" He then went on to predict that eventually, that if he lived long enough, that Richard Nixon would be labeled an "Elder Statesmen". About a year before his death I noticed a news magazine that had the title, "Richard Nixon, An Elder Statesman?" Pretty wild, huh?
A while back I got into a fight with the Better Business Bureau here in St. Louis. They were pissed off at me
because I had mentioned on my web site that, "I was a proud member of the Better Business Bureau of Eastern Missouri and Southern Illinois". This was a true and accurate statement.
When they wrote me a nasty letter demanding that I remove that statement from my web site, I wrote them back and had the audacity to ask them why? They wrote me a nastier letter back stating that it was against the organizations by-laws to publicly state that you were a member...that is...unless you paid them an additional fee in order to be able to say that!
I'll be honest,
I thought that was unethical for them to behave that way and I told them. Long story short, I got booted because I refused to apologize for having told people in the first place that I was a member and for calling them a secret society on par with the Ku Klux Klan and The American Nazi Party!
They issued a press release announcing my having been booted and I did what I think every thinking business person would have done at that point, I called a reporter!
A local columnist, Bill McClellan wrote about our fight in the St. Louis Post Dispatch. After his article appeared, I received hundreds of phone calls, emails and letters telling me how much they appreciated my standing up to the BBB. I only got a couple that thought that I was out of line. As a result of the fight and the story I ended up picking up several transactions that I wouldn't have if I hadn't been willing to stand up for what I thought was right.
So, the conclusion that I've come to is that it makes business sense to be willing to express my views as long as I do it in a respectful manner. I'm curious though,what do you guys think?
R.B. "Bob" Mitchell
ValueList Real Estate Services, Inc.
Bob Mitchell is the president of ValueList Real Estate Services, Inc., St. Louis' largest discount/full-service real estate and mortgage company. To find out more about Bob, ValueList or our flat-fee listing program please feel free to visit our web page, valuelistre.com
ValueList, St. Louis' largest discount/full-service real estate and mortgage company. Our "flat-fee" listing can save you thousands on your real estate commissions. Wide range of mortgage products!
Thanks for visiting our profile here on Activerain. I'm Bob Mitchell, president & founder of ValueList Real Estate Services, Inc., St. Louis' largest discount/full-service real estate and mortgage company and I'd like to tell you a bit more about us.
ValueList Real Estate Services, Inc., was born at Cardwell's Bar in Clayton Missouri in 1994. At the time I was Vice-President of Clayton Mortgage Associates. Bill Beezley, who is president of Clayton Mortgage Associates, and I had stopped in for an after work cocktail. While there we met a mutual acquaintance who broached the subject of what would happen to a certain large St. Louis real estate company if somebody were to form a discount real estate company? His belief was that the larger company would implode into itself & be forced out of business.
At this point, our conversation was simply bar talk, but a seed of inspiration was planted in my mind. It was one of those moments where a light bulb went on. While the guy at the bar was not serious about forming such a company, the idea, with some modifications, was exploding in my head. That night I went home and couldn't sleep. All night long I was doing math on my bedroom ceiling. It seemed to me that if you took the vindictive nature out of the guy's idea & replaced it with a more positive approach to selling St. Louis real estate that it should be able to work!
In order to better explain why this idea had such appeal to me, allow me to provide some additional background. At Clayton Mortgage it was my responsibility whenever a transaction ran into difficulty to figure out what was wrong & to fix it. In that position I came to realize that more often than not, the root of most of the problems that these transactions were having laid at the foot of one of the real estate agents involved in the transaction. It dawned on me that real estate is the only 'profession' where you can go to school for three weeks, take a test and then call yourself a 'professional'. In other words, if you're too ill-tempered, ill-mannered & irresponsible to hold down a job anywhere else, you can always gravitate towards real estate. That's not to say that there aren't good St. Louis real estate agents out there who do a fine job, but the field definitely has too many people who simply don't know what they are doing.
Two other things that I noticed were: That after I fixed whatever problem the transaction had & the deal closed these same agents were collecting pretty good-sized commission checks. Secondly that the size of these checks wasn't commensurate with the amount of work that went into the transaction. Why was the commission for selling a $200,000 home twice what the commission for selling a $100,000 home was? Selling the $200,000.00 home usually wasn't any harder than selling the $100,000 home. As a matter of fact, it usually required less work.
So, these were some of the thoughts that were running through my head that night. Why was real estate sales structured the way that it was? Why did that certain large St. Louis real estate company have so many agents & so many offices? What were the economics of St. Louis real estate sales? What were the current cost structures of St. Louis real estate sales? Where were the inefficiencies? Where could St. Louis real estate sales be improved?
My conclusions, which I came to after several months of investigation, were that, not only could St. Louis real estate sales be done better but that they could be done at much less expense to the home-seller. With these conclusions in mind I decided to form ValueList Real Estate Services, Inc.
ValueList incorporated in November of 1995 & opened our doors shortly thereafter. ValueList is built around the concept of the flat-fee listing arrangement. The Flat-fee listing differs from a conventional listing where the home seller pays the real estate company a percentage commission (generally in the 6 ' 7 percent range). In the ValueList flat-fee listing the home seller only pays ValueList a flat-fee for the listing side of the real estate sales commission. If another agency sells the home, then the home seller pays that agency what would normally be the 'selling side' of the commission (generally around 2.7 - 3%).
Comparing the ValueList Flat-fee commission structure to a conventional Saint Louis real estate percentage commission structure, ValueList generally comes out to be around 35 to 55 percent less expensive.
Now in the event where the real estate company both lists & sells the property (an event that happens relatively infrequently) a conventional company would still charge the agreed to percentage. That is, even if the conventional real estate company doesn't have to split the commission with a cooperating agency, they still charge the home seller the full 6 to 7 percent. With the ValueList Flat-fee commission structure, ValueList only charges the flat-fee for the listing side of the transaction and a 'sales commission' equal to the listing fee. In this scenario ValueList is an even better deal!
One of the biggest questions that we receive at this point is, 'How can you guys be so much less expensive than your competition?' The answer to that question is related to the economics of the Saint Louis real estate market. First of all, historically the key to Saint Louis real estate sales has been the key to the home. Literally! It used to be that in order to sell a home a Saint Louis real estate agency had to be close enough to the home where an agent from another company could stop by the office and pick up the key in order to show the home to their client. That fact led to the development of the neighborhood real estate office. As time went on many successful real estate companies opened or purchased real estate offices in individual areas leading to some companies having as many as 39 real estate offices to service the St. Louis market. Quite frankly, with the advent of the computer, fax machines and computerized lock boxes, the idea of having all of these expensively decorated offices with managers earning hundred's of thousands of dollars a year is antiquated. Somebody has to pay for all of that overhead and guess what? That somebody is the home seller! 
By keeping our overhead low we don't have to charge as much as other Saint Louis real estate companies. The other economic advantage that ValueList has is that we combine real estate services. In essence, ValueList utilizes the flat-fee listing arrangement as a 'loss-leader'. Very similar to when you go to a grocery store and they have eggs on sale. You know that they aren't making a whole bunch on the eggs, but the store is banking on the fact that while you are in the store to buy the eggs, that you will also pick up a loaf of bread and a gallon of milk! Well, with ValueList it's a similar concept. If you are selling a home, chances are that you will also be buying a home. ValueList will be glad to work with you in finding it.
When you find it, will you need a mortgage?
You will?
Have I mentioned that ValueList is also a full service VA approved mortgage lender? By combining real estate services, ValueList doesn't have to charge as much as our competition.
Now the next question that people often ask is, 'Alright, you're less expensive, but are you as good?'
This is an excellent question and the answer is, "No. We're better!'
This is true for several reasons. First, by combining real estate services it gives us more control of the transaction. We don't have to 'hand the ball off' to any other company. When we work with a buyer we control all aspects of the transaction. ValueList originates and processes the loan application for the buyer.
Secondly, having the background and ability to do mortgages gives us a level of technical competence superior to that of most, if not all, conventional Saint Louis real estate agents. Think of it this way, if you liken a real estate agent to being a general practitioner and a mortgage banker to being a heart surgeon, the heart surgeon could remove your ingrown toenail, but would you feel comfortable with a general practitioner performing open-heart surgery on you?
In the event where ValueList has a home listed and another agency sells it and uses a different lender, ValueList has the technical competence to hold that lender's feet to the fire. If they balk or hesitate for any reason, ValueList has the ability to ask the hard questions with the inside knowledge of how the mortgage banking business works. In many cases, if the lender still balks or hesitates, ValueList has the ability to take the loan process over and close the transaction. Very few other real estate agencies, no matter how big, can make this claim!
So, back to the story, since 1995 ValueList has grown to be the largest company of our kind in the St. Louis market. This is easy to say because we are the only company of our kind in the St. Louis market! While there are a couple of other discount real estate companies out there, none of them are 'full-service' companies. Most of the other discount real estate companies are based on a 'help you to sell' sort of model. That is, you show your own property (which puts you at a distinct disadvantage in selling your home), you field your own telephone calls and set your own appointments and in the event that you do sell your home, you are basically on your own in taking care of the details and getting the transaction to the closing table
ValueList is a full-service company. We do everything that a conventional St. Louis real estate company does including placing your home on the multiple listing service, placing and maintaining the yard sign, ValueList fields all telephone inquiries regarding your property, ValueList sets all appointments, helps you to negotiate all offers and once we have an accepted contract, ValueList takes care of all of the details required to get your transaction to closing! In short, ValueList IS a full service company! Also, the ValueList 'flat-fee' is a commission. It is paid at closing, there is nothing paid up front! If ValueList doesn't produce, ValueList doesn't get paid!
So this pretty much brings us up to date on the ValueList story. Thank you for taking the time to read it! If you have any questions or if any of the dedicated, ValueList real estate professionals can be of service in any manner, please do not hesitate to call us or to drop us a line. We very much look forward to serving all of your real estate and mortgage needs
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St. Louis real estate is what ValueList Real Estate Services does. Since 1995, ValueList Real Estate services has been serving the St. Louis real estate market with the very best in discount real estate and mortgage services.
ValueList is the only full-service/discount real estate and mortgage company serving the St. Louis real estate market. By only charging a flat-fee for the listing side of the real estate commission, ValueList Real Estate Services can save the home seller thousands of dollars on their real estate commissions. At the same time, ValueList is a full-service Realtor!
ValueList also serves the St. Louis real estate market by providing a wide range of mortgage products from first time buyer programs to credit rebuilder programs. If you're looking for a mortgage company in St. Louis, ValueList will give you an honest, straightforward quote and will also provide the very best in mortgage services in the St. Louis real estate market!
If you're looking to buy a home in St. Louis or to relocate to St. Louis, ValueList also offers full-service buyer's agency. Our web site, www.valueliste.com offers a wealth of tools and articles on all aspects of buying, selling or financing a home in the St. Louis real estate market. Feel free to visit it or to give us a call!
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Bob Mitchell and ValueList did an excellent job of finding me a home, financing it and eventually selling it. I liked him so much that I've been dating him for almost two years!
Kathy Lee
St. Louis
I liked ValueList so much that I referred Bob to my sister.....they've been going out ever since!
Brenda Lee
High Ridge, Missouri
Yeah, the above are true, but they go to show you how much stock you should put into reading testimonials on a webpage! Apparently there were movie reviewers in Utah who thought that "Open Water" was a great flick too.
Bob Mitchell
St. Louis
Other Blogs and Commentaries By R. B. "Bob" Mitchell
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