Zorik Dadoyan

Just announced by acting FHA Commissioner Carol Galante:

Effective with FHA case numbers assigned on or after April 1, 2012, the Upfront Mortgage Insurance Premium (UFMIP) will increase from 1.00% to 1.75%. Annual MIP, paid monthly, will also increase by 0.10 percent for loans under $625,500. Loan amounts greater than $625,500 will increase by 0.25 percent, effective June 1, 2012.

This change will consequently lower purchase prices. When a buyer's monthly cost goes up their max purchase price will go down.

Search for a house and enter into contract so you can get your FHA case number before April 1st.

If you wait it will cost you more to buy the same house!

Zorik Dadoyan

Keller Williams Realty

For those of you who are in a higher tax assesment than your market value (as of jan 31, 2010) file the "Decline-in-Value" form with your county assesor.

Deadline for Los Angeles County is November 31, 2011. Submit asap. For details and more you can visit http://www.housesinshermanoaks.com/declineinvalue.html.

Contact me if you have questions. Sorry for the short post. I have a meeting starting, but the info is at the link.

There are opportunities to appeal rejections, but I've also heard horror stories fo payments jumping up. So only submit if you're way over!!! This has helped many people.

Good luck!

Client likes property and asks Zorik to see it, Zorik calls listing agent, they say -"we're developers, here's a generous referral fee, we'll do everything".

..."No you wont"... my client trusts me to represent them, I'm not a "house fetcher" or a taxi driver. I'm a negotiator, that's my strength. I will protect and provide resources to my client so they can make educated decisions.

My note: I don't have a problem with what the developers got going on, but you can't expect me to leave my client in their hands and walk off. I will read and review all things they send to my client to sign and I will be his resource for all decision making tools during the process.

To my client.. I'm right here with you. We'll be sure you get this and you're aware of everything that you getting involved in.

To other agents: PLEASE don't take the referral and walk away. We need to continuously prove the United States that we are worth what they're paying us. This is a place to gain some strong points with your clients, cause their referrals mean a lot to us too right? So let's make sure they are very happy months and years after closing.

Any similar experiences??

Happy day to all,

Zorik

1- Fright Fair
At Pierce College
6203 Winnetka Ave, Woodland Hills
www.frightfair.com

2- Halloween Harvest Festival at Pierce College
20800 Victory Blvd.,
Woodland Hills, CA 91367
http://www.halloweenharvestfestival.com

3- Forbidden Haunt
4833 Sepulveda Blvd,
Sherman Oaks, CA 91403
http://www.forbiddenhaunt.com

4- Halloween festival
October 23rd 5-9pm (ONE DAY ONLY)
Sherman Oaks Elementary
14755 Greenleaf St.
Sherman Oaks, Ca 91403
www.shermanoakselementary.com

5- The Pumpkin Fair
Dixie Canyon Elementary
4220 Dixie Canyon Ave
Sherman Oaks, CA 91423-3904
dixiecanyon.com

6-Halloween Horror Nights
Universal Studios
1000 Universal City Dr.
Universal City, CA 91608
www.HalloweenHorrorNights.com

7- Wizard's Playhouse
Pumpkin Patch and Petting Zoo
10601 Riverside Drive
Toluca Lake CA 91602
www.wizardsplayhouse.com

8- Haunted Hayride in Calabasas
King Gillette Ranch
26800 West Mulholland Highway
Calabasas, Ca. 91302
www.losangeleshauntedhayride.com

I just read a great blog post by Jeremy K. Frost of Dripping Springs, Tx. about some great tips to shine up parts of your home and remembered these.

Many times I show homes in and around Los Angeles and they have dazzling tiled kitchen countertops. The cheap secret is regrouting. Regrout the tiles right over the old grout and see what the amazing white grout in between tiles can do for a room.

Another great tip; temporary solution on your ceiling water spots is spraying some bleach from a bottle onto the stain in the ceiling. Let sit for about a day and it will clear up. DO NOT try to hide roof leaks with this. You will be responsible for disclosing any leaks during a sale. This tip is only helpful for the holidays before having guests over.

See Jeremy's blog post for more tips on shining up your glass shower doors, granite countertops, and more!