Florida Granite Blog's

How can you unsubscribe to the phone Books and yellow pages to good cause, Save Trees, Water and electricity.
Just Click on the website www.yellowPagesOptOut.com. The site will ask for your zip code, and then provided the publisher(s) off your local phone books.
You may then contact the publisher to adjust the number of directories you receive or to remove yourself completely from directory distribution list.

Hard to believe, because in Florida we still in bad shape.
Construction of new homes, helped by better weather, rebounded in November following a setback in the previous months.

The Commerce Depart. says construction of new homes and apartments rose 8.9 percent in November to a season adjusted annual rate of 574,000 units and we still slightly lower than economists had expected.

Now to get New-home loans or refinance still HARD, banks not help yet.

US borrowers who have slipped behind on mortgage payments will fall in 2010 for the first time since the financial turmoil began in a sign the nation’s housing crisis is abating, the credit bureau TransUnion forescast Today.
In the third quarter of 2009, delinquencies hit 6.25 per cent of mortgages – About three times the historical norm, are estimate to reach 6.56 per cent at year-end.

Keep in mind that a business that sends prerecorded, unsolicited sales calls

without first obtaining the consumer’s written permission now can be fined up to $16,000

per call by Federal Trade Commission (FTC), since an amendment went into effect this October

according to the Broward County Permitting, Licensing Division.

The rule applies even to consumers whose phone numbers are not on the “Do Not Call” list.

The new rule also prohibits prerecorded telemarketing calls even if the caller has previously done

business with the consumer.

Shore Sales, if done properly, can be a win-win for all parties involved. The Homeowner is able to sell their home and thus prevent a foreclosure. Buyers who are patient can get a good deal and Bank avoids a foreclosure, and for the most part, receives the maximum payoff possible. But what on paper appears to be the smart, logical alternative to foreclosure can be a long, arduous process if not properly managed.

The primary advantage to the distressed homeowner doing a short sale is the opportunity to negotiate with the lender for a reduced payoff.  A Short Sale, by definition, is when the homeowner sells the property for less than the balance  due on the loans. The lender agrees to this reduced payoff if their loss via the short sale is less than what they will recover if they pursue a foreclosure and then auction the property. Given the significant drop in property values the past couple of years, it is becoming increasingly common that residential property is worth less than the mortgage balance owed. Thus, short sales are fast becoming the “Transactions du-jour”.

in the reality the Bank”Lender” not give any answer in short time

Real Estate agents complain that by the time they get an answer from the Bank on an offer, the potential buyer has lost interest. Some say real estate agents, many of whom are inexperienced and ill prepared to deal with the complexity of a short sale, are submitting irrational offers and incomplete paperwork, then expect fast miracles from the bank’s overwhelmed staff.

Given all of the problems, many real-estate agents simply avoid short sales, steering buyers to bank repos as there is no lengthy bank approval process. Thus many sellers have limited opportunity for good guidance and counsel.

This is the only legitimate website that allows you to request a free Cred report every year, from the three Major credit-reporting companies-  Equifax Inc., Experian and TransUnion L.L.C.

What you won’t get for free is your credit score. www.annualcreditreport.com

Of Course if you don’t agree with what you see on the reports, you have to contact the credit-reporting companies. Here is a government site with links to each, and other helpful material. www.pueblo.gsa.gov/cic_text/money/creditscores/your.htm

The Fair Isaac Corp., or Fico, runs forums where consumers can ask question about credit issues. www.//ficoforums.myfico.com/fico

Here at FTC(federal trade Commission) site, you can read about your rights to review and contest what is on your credit-reports. There is also a warning about scam offers for supposedly free reports. www.ftc.gov/credit

Lennar Corp. has identified 400 homes in Florida that have confirmed problems with defective Chinese drywall, and it has set aside $39.8 million to repair the homes, the Miami-based home builder said in a securities filing Friday.

The figures are as of May 31, Lennar said.

Complaints about odors and corrosion linked to defective drywall have been increasing for months.

The U.S. Consumer ….

Do some, all or none of the work in your Home?

Shopping for home be sure to check out the surrounding the new neighborhood.

This is the major factor in determining if the property is compatible with your lifestyle. It will also affect your safety and convenience, and it will influence the home’s future value.

Some buyers rely only on website data-bases for information about neighborhoods. This is a good place to start, but not good place to stop your information gathering. You need to check the new neighborhood personally to gain realistic view of  where you might be moving.

If you see vacant and deteriorating commercial properties in the area, this could be a sign of problems.

The besty of all is to go there, giving it a personal walk-through and contacting local agencies for information. Some websites say they can provide all the data you need about neighborhoods. Don’t belive them; Check it out yourself!

And keep in mind if you need local contractor give a call Free-estimate 1-877-FL-Granite