“HARP” Frenzy !!

Posted on November 18, 2011 by Julia Roberts| Leave a comment

The buzz in the industry currently is the  ”HARP” or Home Affordable Refinance Program for those borrowers who are or may be upside down with their mortgage. If your mortgage is owned by Fannie Mae or Freddie Mac you may be eligible to now complete a new mortgage with a lower rate or a more secure rate (ARM to Fixed) or even a shorter loan term. To verify if your mortgage is owned by one of these entities please visit either:

www.freddiemac.com/mymortgage OR

http://www.fanniemae.com/loanlookup

Be sure to print off the results of the one who owns your mortgage,you’ll need it to complete your new loan.

Right now this what I know:

The primary modification to the program is at this time those borrowers who’s first mortgage is less than or equal to 125% of your homes value will be eligible to refinance .

This is just the start of this government program and there are still lots and lots of questions.  I will try to keep you posted as I learn more!!

Until next time!

Julia

 

 

 

 

 

 

 

 

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Posted in Real Estate Related

Vinyl Pools? Yes!

Posted on November 10, 2011 by Julia Roberts| 1 Comment

I have a vinyl in-ground pool at my home.  There is always a lot of debate regarding vinyl vs. fiberglass vs. gunite pools. We have owned this home for 23 years. The original pool was put in back in 1984. It lasted about 10 years before we had to replace the liner. The second liner lasted about 8 years. So again we replaced it. The cost is around $3000. And you end up with a new color and not a lot of expense. The last liner didn’t do so good. It only lasted about 6 years.  However that liner may have had some extenuating circumstances that created the problems.

Anyway I found a local pool company to do the work so I thought I would show you the process. First they take the old liner out. Then put in a new liner and fill! It’s that easy. Here’s my pictures.

So now I have a beautiful blue pool in my back yard!

Julia

 

 

 

 

 

 

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Posted in Real Estate Related

Fire Extinguisher Class

Posted on November 8, 2011 by Julia Roberts| Leave a comment

Our local Association of Realtors recently held a Lunch-n-Learn at the local fire department classroom. We had a nice “sack” lunch and watched a movie about  the proper type of fire extinguisher to have and the correct way to use one. Ok this sounds silly, however I personally have never had to use a fire extinguisher and this class was very interesting and turned out to be fun! We actually got to pull the pin and use a fire extinguisher on a fire!!! Thanks to Kathy Black at the Lake Havasu City Fire Department. Check your local fire department to see if they offer this education. It was worth it.

From the Lake Havasu City Fire Department – Public Education

Fire Extinguisher Class – a program specifically designed for civic, business or community groups. This is a simulated fire training class on the proper use of fire extinguishers with a state of the art prop.

Til next time,

Julia

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Posted in Interesting

The Main Thing

Posted on November 6, 2011 by Julia Roberts| Leave a comment

So here it is a beautiful Sunday. Things are a changin’!

The weather and the time for some folks. Arizona doesn’t change their clocks. We beat to our own drum.  I use to work for a builder who would always come back with the same phrase every time some said “Have a nice day”. He would say “Don’t tell me what to do!!” I kinda think of Arizona like that.  Don’t tell us what to do!!!

Have a great one. One what? ……

Julia Roberts

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Posted in Ramblings

Where to start???

Posted on November 4, 2011 by Julia Roberts| Leave a comment

Well I moved to Lake Havasu City 23 years ago from … where else but Southern California. I have worked for home builders since I moved here. Way back in nineteen hundred and ninety five I made the decision to get a real estate license.

Here we are many years later and I still love helping people find the home for them. I still enjoy handing over the keys to their new home and seeing the joy and happiness on their faces. The industry has changed over the years and the contract has added many, many pages to sign!!

Of course technology has changed exponentially. Boy I thought I was cool with my website.  Now we have e-signings, QR codes, really smart phones and blogs!

Hope you enjoy my ramblings.. Stay tuned for more. I will try to add interesting things along the way.

Julia in Lake Havasu

 

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Posted in Getting Started