When a Landlord Can Put Your Life in Danger

Filed under: News, Renting, MyNextMove#fivemin-widget-blogsmith-image-445029{display:none;} .cke_show_borders #fivemin-widget-blogsmith-image-445029, #postcontentcontainer #fivemin-widget-blogsmith-image-445029{width:570px;height:411px;display:block;}try{document.getElementById("fivemin-widget-blogsmith-image-445029").style.display="none";}catch(e){}After a long and arduous apartment search in Brooklyn, Megan Isenstadt and Benjamin Sirota finally found the place of their dreams. The apartment in a cute brownstone building came with its own issues -- but so do most places in New York City. Sometimes their windows wouldnt shut all the way and wood slats in the floor would have to be nailed back down. But they loved their new home and the other tenants in the building. But their dream apartment soon became a nightmare -- and so did the building management.When the boiler broke in the basement of the building, Isenstadt and Sirotas living situation quickly deteriorated. They soon realized that one thing to watch out for when searching for a new apartment is how responsive the landlord will be to tenants issues. When their landlord wasnt responsive at all to the broken boiler, they found themselves living in an apartment where their lives were possibly in danger. See their story in the video above.See more on dealing with landlords:When You Can Force Your Landlord To Listen To You Tenants: Keep Your Landlord in CheckTenants Rights When Landlord Breaks Rental Agreement More on AOL Real Estate:Find homes for rent.Find out how to calculate mortgage payments.Find homes for sale in your area.Find foreclosures in your area. Follow us on Twitter at @AOLRealEstate or connect with AOL Real Estate on Facebook. Permalink | Email this | Commentshttp://realestate.aol.com/blog/on/landlord-neglects-repairs-endangers-tenants/ @ uwad.com

Mays Housing Starts Fall Short of Predictions but Hit 5-Year High

Filed under: News, Economy, SellingHousing starts rose less than expected in May, likely reflecting labor and material constraints, but the overall trend remained consistent with strength in the housing market. Though permits for future home construction fell, that followed a surge in April, which hoisted them above the 1 million-unit mark. The pullback last month reflected a drop in the volatile multifamily sector, but permits for single-family construction touched their highest level in five years.The Commerce Department said on Tuesday housing starts rose 6.8 percent to a seasonally adjusted annual rate of 914,000 units. Aprils starts were revised up to show a 856,000-unit pace instead of the previously reported 853,000 units. Economists polled by Reuters had expected groundbreaking to rise to a 950,000-unit rate last month.Builders, who are ramping up construction to meet demand for housing against the backdrop very low inventory, have been complaining about labor shortages and increased material costs. Sentiment among single-family homebuilders hit a seven-year high in June, a report showed on Monday, amid optimism over current and future home sales.Lean inventories are pushing up home prices, which are in turn boosting consumer confidence and spurring consumption, helping soften the blow on the economy from tighter fiscal policy and slowing global demand. The Federal Reserve has targeted housing as channel to boost growth, through monthly purchases of $85 billion in government and mortgage-backed securities.Though residential construction only accounts for about 2.5 percent of gross domestic product, housing has a wider reach on the economy. Analysts estimate that for every single-family home built, at least three jobs lasting for a year are created. Starts are expected to top a 1 million-unit pace this year.Last month, groundbreaking for single-family homes, the largest segment of the market, rose 0.3 percent to a 599,000-unit pace. Starts for multifamily homes increased 21.6 percent to a 315,000-unit rate. Permits to build homes fell 3.1 percent last month to a 974,000-unit pace. Permits for multi-family homes dropped 10 percent to a 352,000-unit rate. Permits for single-family homes rose 1.3 percent to a 622,000-units, the highest since May 2008.(Reporting by Lucia Mutikani; editing by Neil Stempleman.)Previous stories on housing starts:oHousing Starts Drop but Building Permits Soar U.S. Housing Starts Surpass 1 Million in March U.S. Housing Starts Rise, Permits at 4 1/2-Year High U.S. New-Home Sales Jump to Highest Since July 2008 More on AOL Real Estate:Find out how to calculate mortgage payments.Find homes for sale in your area.Find foreclosures in your area.See celebrity real estate.Follow us on Twitter at @AOLRealEstate or connect with AOL Real Estate on Facebook.#fivemin-widget-blogsmith-image-157802{display:none;} .cke_show_borders #fivemin-widget-blogsmith-image-157802, #postcontentcontainer #fivemin-widget-blogsmith-image-157802{width:570px;height:411px;display:block;}try{document.getElementById("fivemin-widget-blogsmith-image-157802").style.display="none";}catch(e){} Permalink | Email this | Commentshttp://realestate.aol.com/blog/2013/06/18/may-housing-starts-5-year-high/ @ uwad.com

Tom Hanks Lists Legendary Villa in Pacific Palisades

Filed under: Celebrity HomesBy Erika RiggsAt first glance, the Pacific Palisades home is classic -- a comfortable mansion appropriately priced for the area, but it doesnt look like the home belonging to an actor like Tom Hanks.Thats because the home at 956 Corsica Drive in Pacific Palisades, Calif., is just one of three properties the veteran actor owns in the area with wife Rita Wilson. The couple bought a more spectacular (and star-worthy) contemporary home three years ago for $26 million. They also own another property that they picked up in 2010 for $1.45 million, and a prime Malibu Colony home that they bought in 1991.The couple bought this home earlier in their acting careers in 1988, right on the heels of Hanks Oscar nomination for "Big." Hanks was just coming into his own as a Hollywood star, after his roles in "Splash," "The Money Pit" and "Dragnet." Today, a string of popular movies include his name on the credits. Hanks and Wilson appeared in "Sleepless in Seattle" together in 1993.Hanks Pacific Palisades home is described as a "legendary villa" hidden behind privacy walls and hedges. Built in 1929, the classic house has decorated archways and frescoed ceilings with chandeliers. The highlight of the home is the many loggias and patios -- each surrounded by lush greenery and gardens.The Spanish-style home measures 6,289 square feet with four bedrooms and 5.5 baths. The master suite includes a fireplace, private beauty salon and opens up to a terrace with ocean views.See more on Zillow:Kristen Stewart Buys New Place in Los FelizThe One-Time Hideaway of Kristen Stewart and Robert Pattinson for SaleReport: Ellen and Portia Buy in MontecitoMore on AOL Real Estate:Find out how to calculate mortgage payments.Find homes for sale in your area.Find foreclosures in your area.See celebrity real estate.Follow us on Twitter at @AOLRealEstate or connect with AOL Real Estate on Facebook.  Permalink | Email this | Commentshttp://realestate.aol.com/blog/2013/06/17/tom-hanks-lists-pacific-palisades-home/ @ uwad.com

Arnold Schwarzenegger, Maria Shrivers Former Home Sells for $12.9 Million

Filed under: News, Celebrity HomesBy Eve BachrachListed for: $13.9 million.Listed on: Feb. 16, 2013 (though its been on and off the market since 2008).Sold for: $12.9 million.Size: Nine beds and 9½ baths in 10,000 square feet. The estate sits on 2.5 acres.Location: 14209 Evans Road, Pacific Palisades, Calif.The Lowdown: The nine bedrooms arent all under one roof -- there are two guest suites plus a guesthouse in addition to six bedrooms in the big house. Which is perhaps relevant when you consider that this house was owned by Arnold Schwarzenegger and Maria Shriver "during the time period in which the housekeeper he carried on an affair with became pregnant," according to Forbes.There are "magnificent public rooms, including step-down living room with high-beamed ceilings/projection room, and gourmet kitchen with commercial appliances" inside, and a pool and tennis court in addition to landscaped gardens out. If the 2.5 acres of "park-like grounds" isnt enough for you, the house has direct access to an actual park, Will Rogers State Historic Park.%Gallery-191661%See more on Curbed:German Power Plant Goes Incognito as a Garden HedgeComposer John Philip Sousas Former Home Relisted for $28.9MHere, Have a Look at Atlantas Most Utterly Insane BedsMore on AOL Real Estate:Find out how to calculate mortgage payments.Find homes for sale in your area.Find foreclosures in your area. Find homes for rent.Follow us on Twitter at @AOLRealEstate or connect with AOL Real Estate on Facebook. Permalink | Email this | Commentshttp://realestate.aol.com/blog/2013/06/18/arnold-schwarzenegger-maria-shrivers-former-home-affair/ @ uwad.com

Getting a Mortgage After a Divorce: Difficult, Not Impossible

Filed under: Advice, Financing, CreditGetting a mortgage is challenging enough -- with strict underwriting requiring detailed explanations, sourcing of monies and debt ratios -- but adding a divorce to the picture makes it even more difficult for a borrower. The good news is that despite most divorce situations, many can still successfully get a mortgage.What to plan for: By providing your mortgage company with the most accurate and true picture of your circumstances -- starting with the loan application -- youre helping them to find the best way to structure your loan for a favorable credit decision. The lender will also look at your divorce decree for any other undisclosed/non-credit report financial obligations such as child support, alimony/spousal support paid or received.If you receive income in the form of child support or alimony: This income can be used for qualifying for the mortgage, so long as there is a six-month history and the income is poised to continue for the next three years, determined by child support or an alimony agreement detailing the terms of the obligation for the party paying the debt.If you pay alimony or child support: This reduce your borrowing ability as debts reduce income, and income is needed to offset a mortgage payment.If you are divorced even as long as 20 years ago: There is no statute of limitations on mortgage loan underwriting, so the full divorce decree will be required no matter how many years you have been divorced.If you own a house and are on a mortgage with an ex-spouse: As long as the divorce decree awards the other party with the home, and the other party is willing to provide supporting evidence that they make the mortgage payments on that home -- by providing 12 months of bank statements and/or canceled checks -- the total mortgage payment on that home can be omitted from the decision-making process on your new mortgage, which can improve your ability to qualify.If you and your ex make the mortgage payment from the same joint bank account and the divorce decree awarded the other party with the property: You are both 50-50 responsible because the money is "co-mingled" funds from the same place to pay the obligation. There is no way to support your position that one person is responsible for making the payment because its coming from a joint account.If the ex-spouse is responsible for making the mortgage that you are also on: Explore the possibility of having the ex-spouse refinance you off the mortgage obligation.If your ex-spouse is refinancing you off a mortgage loan: A final closing statement called an HUD could be required by the lender youre working with for procuring your loan to omit the payment from the other house.If you have a joint consumer credit such as credit cards, installment loans, auto loans or even student loans: Unless you can prove the other party is for responsible for the credit obligation (with 12 months of canceled checks or bank statements), those liabilities will be factored into your ability to qualify.Tips If Youre Not Yet DivorcedIts so important to create a marital settlement agreement prior to being divorced. This is a precursor to getting a divorce that could be a great asset in helping you qualify for home financing. Navigating the financial questions that inevitably come up during the separation or divorce can easily be taken care of by having a clear delineation in writing on whose property is whose.Consumers planning a divorce in the future would also benefit by separating their finances. This means having separate bank accounts, and paying any obligations from these separate accounts. If you are trying to get a mortgage, or will be trying to get a mortgage, consider having a conversation with mortgage professional upfront, who can guide you through the complexities in the underwriting process during a divorce.More on Credit.com:The Biggest Mortgage Mistake You Can MakeThe Ultimate Guide to Credit ScoresGetting a Divorce? Heres How to Protect Your CreditMore on AOL Real Estate:Find out how to calculate mortgage payments.Find homes for sale in your area.Find foreclosures in your area.Find homes for rent in your area.Follow us on Twitter at @AOLRealEstate or connect with AOL Real Estate on Facebook. #fivemin-widget-blogsmith-image-751414{display:none;} .cke_show_borders #fivemin-widget-blogsmith-image-751414, #postcontentcontainer #fivemin-widget-blogsmith-image-751414{width:570px;height:411px;display:block;}try{document.getElementById("fivemin-widget-blogsmith-image-751414").style.display="none";}catch(e){} Permalink | Email this | Commentshttp://realestate.aol.com/blog/2013/06/18/getting-mortgage-after-divorce/ @ uwad.com

Creative Home Marketing Ideas

Every home needs a well planned marketing strategy when planning the listing. Coming out of the housing crisis meant a new way of thinking for real estate agents and home sellers alike. It is no longer as easy as listing in the MLS, hanging a sign and doing a couple of open houses. Buyers have complete access to fast home screening with sites like Zillow and Trulia. Further they might even think they know the value of a home because of some calculator function that sites like these use to value a home. But the real traction is being felt by realtors that use high speed automation to their advantage. They invest in professional pictures, virtual tours and staging to help justify their price tag; and studies show this strategy is working for agents decreasing days on the market while increasing actual sales prices.Agents in some of the more competitive cities like New York, Los Angeles and Chicago are beginning to use virtual staging to show the potential of what a home can look like increasing showings even more.So now that you know a little bit more about some of my Albuquerque real estate listing secrets let me show what I can do for your next real estate home sale or purchase! Albuquerque real estate is a passion! Just let me know how I can help.   \\Contact: 505-980-7788   EMAIL JIMhttp://www.virtualtourclub.com    http://www.searchforalbuquerquerealestate.com   http://www.realestatevideotalk.com/about http://www.marketinghomesonline.com  http://www.stagingpads.com

The Nation's 5 Biggest Builders

Can you name the country’s five largest homebuilders? http://feedproxy.google.com/~r/DailyRealEstateNews/~3/P3AMZ8zXSio/nations-5-biggest-buildersJim Gross @ uwad.com

Streak Reverses, Mortgage Rates Move Lower

After six consecutive weeks of rising, mortgage rates inched slightly lower this week, with the 30-year fixed-rate mortgage staying below 4...http://feedproxy.google.com/~r/DailyRealEstateNews/~3/zGi22UsFkgM/streak-reverses-mortgage-rates-move-lowerJim Gross @ uwad.com

Home Prices Rising at Unsustainable Rate

Home prices have been soaring by double digits compared to last year’s numbers and the National Association of REALTORS® are calling the...http://feedproxy.google.com/~r/DailyRealEstateNews/~3/m14pbC_S0-w/home-prices-rising-unsustainable-rateJim Gross @ uwad.com

Instagram Adds Video Sharing Feature

The popular Facebook-owned photo sharing service is no longer just for sharing pictures on your social media channels. http://feedproxy.google.com/~r/DailyRealEstateNews/~3/lOf51PIv3ZI/instagram-adds-video-sharing-featureJim Gross @ uwad.com

20% of Foreclosures Abandoned by Owners

Many foreclosured homes stand vacant. Find out what this means for the housing market and which states have the highest percentage of vacant...http://feedproxy.google.com/~r/DailyRealEstateNews/~3/kjVADhdnPo0/20-foreclosures-abandoned-ownersJim Gross @ uwad.com

Creative Home Marketing Ideas

Every home needs a well planned marketing strategy when planning the listing. Coming out of the housing crisis meant a new way of thinking for real estate agents and home sellers alike. It is no longer as easy as listing in the MLS, hanging a sign and doing a couple of open houses. Buyers have complete access to fast home screening with sites like Zillow and Trulia. Further they might even think they know the value of a home because of some calculator function that sites like these use to value a home. But the real traction is being felt by realtors that use high speed automation to their advantage. They invest in professional pictures, virtual tours and staging to help justify their price tag; and studies show this strategy is working for agents decreasing days on the market while increasing actual sales prices.Agents in some of the more competitive cities like New York, Los Angeles and Chicago are beginning to use virtual staging to show the potential of what a home can look like increasing showings even more.So now that you know a little bit more about some of my Albuquerque real estate listing secrets let me show what I can do for your next real estate home sale or purchase! Albuquerque real estate is a passion! Just let me know how I can help.   \\Contact: 505-980-7788   EMAIL JIMhttp://www.virtualtourclub.com    http://www.searchforalbuquerquerealestate.com   http://www.realestatevideotalk.com/about http://www.marketinghomesonline.com  http://www.stagingpads.com Jim Gross – 360 Ventures Real Estate, Albuquerque NMSEARCH LIVE – LOCAL ALBUQUERQUE REAL ESTATE AT ANY OF THESE PROPERTY LINKS: Albuquerque | Albuquerque Acres | Belen | Bernalillo | Bosque Farms | Corrales | Downtown | East Mountains | Eastside | Fairgrounds | Foothills | Four Hills | Glenwood Hills | High Desert | Kirtland AFB | Ladera | Los Lunas | Los Ranchos | Mesa Del Sol | Nob Hill | North Valley | Northeast Heights | Old Town | Oxbow | Pajarito | Paradise Hills | Peralta | Placitas | Primrose Point | Rio Rancho | Sandia Heights | Sandia Labs Area | Sandia Park | South valley | Tanoan | Taylor Ranch | UNM | Uptown | Ventana RanchJim Gross

Inside Shawn Colvins Colorful Home

Singer Shawn Colvin shares here style secretshttp://www.goodhousekeeping.com/home/decorating-ideas/colorful-decorating-ideas?src=rss
Need Cleaning Services, Call Mini Maid : (505) 881-8233
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How to Drive More Facebook Traffic to Your Website

Are you using Facebook ads to drive traffic to your website? Did you know that when people share your website content on Facebook, you can turn that shared content into a Facebook ad? You can do that with Domain Sponsored Stories. Domain Sponsored Stories are inexpensive and easy to run, and you dont need a [...]http://www.socialmediaexaminer.com/how-to-drive-more-facebook-traffic-to-your-website/
** Social Media Management **
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New ABQ Massage Blog up and running

Check out the new blog for ABQ Massage & Myofascial Therapies at abqmassage.wordpress.com.Owner:

New ABQ Massage Blog up and running

Check out the new blog for ABQ Massage & Myofascial Therapies at abqmassage.wordpress.com  . 

12 Ways to Declutter Your Kitchen

Make the most of every last inch of spacehttp://www.goodhousekeeping.com/home/cleaning-organizing/how-to-declutter-your-kitchen?src=rss
Need Cleaning Services, Call Mini Maid : (505) 881-8233
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How to Setup a Social Media Business Strategy

Does your business have a social media strategy? According to research conducted by Constant Contact, over 50% of small businesses need help with social media. While many businesses have a social media presence, many are not engaging on those platforms and thus not meeting their goals. With planning, your small business can use social media [...]http://www.socialmediaexaminer.com/how-to-setup-a-social-media-business-strategy/
** Social Media Management **
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26 Tips to Create a Strong Social Media Content Strategy

Are you looking for ways tostrengthen the impact of the content you create? It isnt always easy to generate the buzz youre looking for. Knowing what to publish, when and where can greatly increase the visibility and reach of your content. In this article, you will find 26 topics, an A-Z guide, with key points [...]http://www.socialmediaexaminer.com/26-tips-to-create-a-strong-social-media-content-strategy/
** Social Media Management **
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How to Use Google+ to Expand Your Business Influence

Are you looking to tap into the power of Google+? Is your business leveraging all that Google+ has to offer? Have you created a personal profile or business page on Google+, but want more influence? Why Google+? According to GlobalWebIndex, Google+ now has 359 million active users, which puts it ahead of Twitters 200 million [...]http://www.socialmediaexaminer.com/google-plus-for-business/
** Social Media Management **
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Cleaning Up After Our Furry Friends - Dyson DC41 Review

As us pet owners are well aware, it can be a task to remove the pet hair and dander that quickly accumulate in our homes. Fortunately, the Dyson DC41 Animal vacuum has been designed with our furry friends in mind, or rather the mess they leave behind. http://www.housekeepingchannel.com/blog_68-Cleaning_Up_After_Our_Furry_Friends_Dyson_DC41_Review
Need Cleaning Services, Call Mini Maid : (505) 881-8233
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Instagram Videos: This Week in Social Media

Welcome to our weekly edition of what’s hot in social media news. To help you stay up to date with social media, here are some of the news items that caught our attention. What’s New This Week? Video Now on Instagram: Instagram users now have another way to share stories: video. “When you go to [...]http://www.socialmediaexaminer.com/instagram-videos-this-week-in-social-media/
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Des Moines: The Place to Be for the Young, Broke and Single

Filed under: News, Lifestyle#fivemin-widget-blogsmith-image-333520{display:none;} .cke_show_borders #fivemin-widget-blogsmith-image-333520, #postcontentcontainer #fivemin-widget-blogsmith-image-333520{width:570px;height:411px;display:block;}Young, broke and single? Theres a city thats perfect for you, and you probably wouldnt guess it: Des Moines, Iowa. You might think that sounds boring, but locals say its totally not.Des Moines was listed in a new national survey among the 20 best cities for people who are young, broke and single. The survey was conducted by an advice website, MoneyUnder30. "Theres all kinds of stuff going on here that didnt happen when I was a kid, which is awesome," resident Afton Crabtree told local TV station KCCI. Crabtree, who grew up in Des Moines, left for Denver years ago but returned to her hometown after finding that things were "a little expensive" in Denver."Cheap food, cheap beer and cheap thrills" were among the criteria for Money Under 30s list, which also included employment opportunities, the cost of living, and the number of single people ages 18 to 44. Des Moines ranked No. 8 on the list; Austin, Texas, came out on top. But Des Moines may be the city that sticks out the most."It was a boring city," Pete Jones, who founded the website DesMoinesIsNotBoring, told KCCI. "I lived here a long time and experienced it and really started turning the curve. Good jobs, good nightlife, good food." Watch the video above to see why locals say Des Moines is a great spot for the young, broke and single.See more news about living single in a city:Where Micro-Apartments Loom as Next Big Thing in RentingTop 10 U.S. Rental MarketsCity Sees a Backlash Against Tiny ApartmentsMore on AOL Real Estate:Find homes for rent.Find out how to calculate mortgage payments.Find homes for sale in your area.Find foreclosures in your area. Follow us on Twitter at @AOLRealEstate or connect with AOL Real Estate on Facebook. Permalink | Email this | Commentshttp://realestate.aol.com/blog/2013/06/19/young-broke-single-go-to-des-moines/ @ uwad.com

Al Capones Palm Island Home Sold for $7.43 Million (House of the Day)

Filed under: Celebrity HomesBy Sean McCaughanApparently Al Capones Palm Island abode has sold, after being on the market for almost a year (just like Billy Joels and Rosie ODonnells places, both of which recently sold as well) for $7.43 million according to realtrix team, The Jills.The house in the Miami Beach neighborhood, from which Capone (pictured at left) supposedly planned the St. Valentines Day Massacre and died of syphilis years later, has a plethora of original details including an impressive waterfront pool. Also included in the historic Mediterranean revival compound constructed in 1928 is a two-story guesthouse, a two-story pool house (or casino if you will), seven bedrooms, and a tall masonry wall encircling the property. No word yet on who the new owners are.%Gallery-191779%See more on Curbed:German Power Plant Goes Incognito as a Garden HedgeComposer John Philip Sousas Former Home Relisted for $28.9MHere, Have a Look at Atlantas Most Utterly Insane BedsMore on AOL Real Estate:Find out how to calculate mortgage payments.Find homes for sale in your area.Find foreclosures in your area. Find homes for rent.Follow us on Twitter at @AOLRealEstate or connect with AOL Real Estate on Facebook. Permalink | Email this | Commentshttp://realestate.aol.com/blog/2013/06/19/al-capone-palm-island-home-sold/ @ uwad.com

Mortgage Modifications Still Taking Banks Too Long, Report Says

Filed under: Financing, ForeclosuresBy Andrew Miga WASHINGTON -- A new report says homeowners trying to avoid foreclosure must wait too long for their loan modification applications to be reviewed by some of the nations top mortgage servicers. Such delays can plunge borrowers deeper in debt.Joseph A. Smith, the independent monitor of last years national mortgage settlement, said Wednesday that while the banks are doing a better job complying with new mortgage servicing rules, more needs to be done. The settlement between 49 states, federal government agencies and lenders JPMorgan Chase, Bank of America, Wells Fargo, Citigroup and Ally Financial set new rules for how banks handle troubled home loans.The settlement helped close a difficult chapter of the financial crisis when home values sank and millions edged toward foreclosure. Many firms had processed foreclosures without verifying documents.See more on mortgage modification:Principal Reduction: Is Debt Forgiveness Fair? Exploring the Mortgage Mod MazeCourt Blasts Bank for Reneging on Mortgage ModificationMore on AOL Real Estate:Find out how to calculate mortgage payments.Find homes for sale in your area.Find foreclosures in your area.See celebrity real estate.Follow us on Twitter at @AOLRealEstate, or connect with AOL Real Estate on Facebook and Pinterest. Permalink | Email this | Commentshttp://realestate.aol.com/blog/2013/06/19/josepth-smith-banks-delay-mortgage-modifications/ @ uwad.com

HOA Says Woman Must Take Down Church Sign in Front Yard

Filed under: NewsWeve tried to warn you time and time again: Just because youre the homeowner doesnt mean you can do whatever you want with your house. When you live under the bylaws of a homeowners association, you have to follow their rules as to what you can display on the exterior of your home and in your yard. That sometimes means no angel statues, no American flags (even if youre a vet) and a host of other inconveniences. For one woman, it means that she cant make a public show of support for the church that changed her life.Meagan Schmidt of Katy, Texas, has a sign advertising The Journey Church in her front yard. "Its an awesome church," Schmidt told Houston TV station Fox 26. "I love what they do for the community." But the Highland Creek Village Homeowners Association has said that the sign violates a bylaw prohibiting commercial signage in yards. Schmidt says that bylaw violates her right to free speech and religious expression.She told Fox 26 that she went to an HOA meeting to discuss the sign, but the organizations leaders were argumentative. They have told her to communicate through the HOAs attorneys and have threatened to take her to court to have the sign removed, Schmidt said. She said that shes going to fight back, and she isnt taking down the sign in her yard. Schmidt rents the home that she lives in, but her homes owner, who was not identified in the Fox 26 report, says that he supports Schmidts right to keep the sign in the yard. The homeowner reportedly has even paid fines levied by the HOA over the sign.Highland Creek Village Homeowners Association said in a statement to Fox 26 -- which the station posted on its Facebook page -- that it has a history of trouble with the homeowner renting to Schmidt. "Highland Creek Village goes to great lengths to work with owners to avoid problems," the statement reads. "However, the owner of this property has been charged with failure to cut the grass, and posting a commercial sign. The homeowner, unfortunately, was charged for cutting the grass on one occasion as the tenants flat out stated to the Association that the deed restrictions do not apply to them."See the whole story on Fox 26 Houston 26.HOAs do sometimes have complete say over what kinds of signs, if any, you can put in your yard without fear of breaking any laws. When it comes to political signs, for example, HOAs can ban any and all displays if there are no state and local laws that say otherwise -- and they can do so without fear of violating the First Amendment. See more about HOA disputes:Playboy Bunny Holly Madison: Hounding by HOA Forcing Me to MoveHalloween Light Show Banned by HOAHOA Tells Residents Yard Statues Arent AllowedMore on AOL Real Estate:Find out how to calculate mortgage payments.Find homes for sale in your area.Find foreclosures in your area.Find homes for rent in your area.Follow us on Twitter at @AOLRealEstate or connect with AOL Real Estate on Facebook. Permalink | Email this | Commentshttp://realestate.aol.com/blog/2013/06/19/hoa-bans-meagan-schmidt-church-sign/ @ uwad.com

Ellen and Portia List (Yet Another) Beverly Hills Home (House of the Day)

Filed under: News, Celebrity HomesBy Amy SchellenbaumReal estate aficionados Ellen DeGeneres and Portia de Rossi have just listed yet another of their properties, this time a fairly unassuming penthouse in Beverly Hills, asking $899,000.Its a drop in the bucket for the couple, who, reminder, just laid down $26 million for a John Saladino-designed villa in Montecito, Calif., and, prior to that, sold their Beverly Hills mansion to Ryan Seacrest for a tidy $37 million. The relatively low price indicates that the unit could have been bought for family or staff.DeGeneres and De Rossi bought the 1,683-square-foot corner penthouse -- a two-bedroom that comes with a laundry list of condo amenities, including a doorman, valet parking, gym, and sauna -- in April 2010 for $835,000. Sadly, interior shots are nigh-nonexistent, but heres a consolation prize: have a look at the couples antiques-filled, eight-cabin horse estate in L.A., right this way.See more on Curbed:German Power Plant Goes Incognito as a Garden HedgeComposer John Philip Sousas Former Home Relisted for $28.9MHere, Have a Look at Atlantas Most Utterly Insane BedsMore on AOL Real Estate:Find out how to calculate mortgage payments.Find homes for sale in your area.Find foreclosures in your area. Find homes for rent.Follow us on Twitter at @AOLRealEstate or connect with AOL Real Estate on Facebook. #fivemin-widget-blogsmith-image-835410{display:none;} .cke_show_borders #fivemin-widget-blogsmith-image-835410, #postcontentcontainer #fivemin-widget-blogsmith-image-835410{width:570px;height:411px;display:block;}try{document.getElementById("fivemin-widget-blogsmith-image-835410").style.display="none";}catch(e){} Permalink | Email this | Commentshttp://realestate.aol.com/blog/2013/06/20/ellen-degeneres-portia-derossi-beverly-hills-penthouse/ @ uwad.com

HUD Finds Rental Bias Against Same-Sex Couples

“This is simply wrong. It is unjust, and we as a country cannot stand for it,” HUD Secretary Shaun Donovan said about recent findings...http://feedproxy.google.com/~r/DailyRealEstateNews/~3/Fkg-ij1jzSQ/hud-finds-rental-bias-against-same-sex-couplesJim Gross @ uwad.com

10 Best Cities for the Young, Broke and Single

Yes, there are perfect places for the “young, broke and single” too, according to a new survey.http://feedproxy.google.com/~r/DailyRealEstateNews/~3/coWxTJT8pXU/10-best-cities-for-young-broke-and-singleJim Gross @ uwad.com

Don't Let Your Clients Get Scammed by Movers

Complaints are rising over a scam that involves moving companies holding customers’ possessions hostage until they pay more. http://feedproxy.google.com/~r/DailyRealEstateNews/~3/S7s7iHG1TNw/dont-let-your-clients-get-scammed-moversJim Gross @ uwad.com

10 Percent Down Making a Comeback?

This could be the news that gets home buyers off the fence: Some lenders are reportedly offering 90 percent financing once again on all loan types...http://feedproxy.google.com/~r/DailyRealEstateNews/~3/yHqaB8YAneA/10-percent-down-making-comebackJim Gross @ uwad.com

Existing-Home Sales Up in May

Sales of existing homes improved last month and remain solidly above a year ago, according to NAR.http://feedproxy.google.com/~r/DailyRealEstateNews/~3/QCok54pbCb0/existing-home-sales-up-in-mayJim Gross @ uwad.com

92-Year-Olds Offer to Buy Back Home Denied, Eviction Looms

Filed under: NewsBy Susanna KimAfter raising money from Internet donors, a 92-year-old mans attempts to buy back from his daughter the house that he built have been rejected as he awaits his eviction hearing next week. John Potter of Zaleski, Ohio, received an eviction notice from his daughter, Janice Cotrill, and son-in-law earlier this year, saying that they had terminated his "existing lease." Potter and his granddaughter, Jaclyn Fraley, raised $139,603 on the website GoFundMe.com in the hope of making an offer on the home that Potter had built about 56 years ago."To me the situation is just so heartbreaking," said Fraley, who believes the judge will have no choice but to evict her grandfather, a World War II veteran. Fraley said that she cried when her grandfathers attorney told her that the recent offer for the home was rejected. Potter (pictured above) said that hes fought some battles and won some, and this is not one he expected to lose. But he said, "We are going to walk away with our heads held high."An eviction hearing is scheduled for June 26 at the Vinton County Courthouse after it was originally set for June 12. "He knows that we tried everything," said Fraley, 35.Potter had a market appraisal conducted on the home which showed that its value was $47,000, plus a tract of land worth $2,830 -- which together was much lower than the value that he and his granddaughter had expected. They made an offer to Cottrill through their attorney for the market value of the home, and received a counter-offer that was about $85,000, plus about $4,000 -- and $11,500 for the eviction process and attorney fees. Potter said that he is reluctant to offer more than what the market appraisal for the home indicated.After discussing it with his granddaughter and attorney, Potter made a second offer of $60,005.23 on June 13, but Cottrill, they said, declined that as well, without a counter-offer. In a document shown to ABC News, a rejection letter from the attorney of Cottrill and her husband, dated June 14, states, "They find the offer unacceptable and decline the same." Cottrill declined to comment to ABC News.The story goes back to 2004, when Potter and his wife, who has since died, gave the general power of attorney to his daughter for future matters if they declined in health, including to take care of her autistic adult brother, now 64. Potters daughter, Janice Cottrill, eventually used that power to allegedly convey the deed of the one-story home to herself, Fraley said. In 2010, Potter said that he learned of the deed transfer and switched power of attorney to his granddaughter, Fraley.A second action is pending in probate court over what kind of contact Potter can have with his son, who is living with Cottrill. Her husband is the guardian of her brother. On a temporary order issued about six months ago, Potter has visitation rights to see his son. Tim Gleeson, Potters attorney, said, "We think it makes a lot of sense to try to resolve both cases."Gleeson said the independent market appraisal is derived from recent sales of similar homes in the area. Gleeson said that if Cottrill or her attorney had an issue with the appraisal, they might be open to Cottrill conducting another one. But without a counter-offer from the other party, Gleeson said the next alternative is to look for other housing for Potter."Its just one of the saddest cases Ive been involved in," said Gleeson. "Mr. Potter is a delightful gentleman and his granddaughter is so loving. Im discouraged that it may not end in a good result. But well keep trying."Read the rest of this story on ABC News.More on AOL Real Estate:Find homes for rent.Find out how to calculate mortgage payments.Find homes for sale in your area.Find foreclosures in your area. Follow us on Twitter at @AOLRealEstate or connect with AOL Real Estate on Facebook. Permalink | Email this | Commentshttp://realestate.aol.com/blog/2013/06/20/vet-john-potter-eviction-2/ @ uwad.com

Mortgage Rates Drop for 1st Time in Weeks but Probably Not for Long

Filed under: Buying, Economy, FinancingBy Marcy GordonWASHINGTON -- U.S. mortgage rates fell for the first time in seven week, keeping the average on the 30-year fixed loan just under 4 percent. But rates are expected to surge next week, as markets respond to Chairman Ben Bernankes comments that the Federal Reserve will likely reduce its bond purchases later this year.Mortgage buyer Freddie Mac said Thursday that the rate on the 30-year loan eased to 3.93 percent last week. Thats down from 3.98 percent last week but is still the highest level since April 2012. The rate on the 15-year mortgage fell to 3.04 percent from 3.10 percent. Thats the highest since May 2012.Freddie Mac surveys lenders across the country on Monday through Wednesday each week. Bernankes comments during a news conference Wednesday afternoon (at which Bernanke is pictured above) werent fully reflected in the latest rates. Concern that the Fed will wind down its bond purchases has pushed mortgage rates higher in recent weeks. Mortgage rates are still low by historical standards, helping sustain the housing recovery that began last year. But a spike in long-term interest rates could drive them higher quickly.The Fed has been buying $85 billion worth of Treasury and mortgage bonds a month since late last year. The purchases pushed long-term interest rates to historic lows, making mortgages and other consumer and business loans cheaper.Mortgage rates are expected to rise because they tend to follow the yield on the 10-year Treasury note. The yield on the 10-year note climbed in early trading Thursday to 2.39 percent, its highest level in 15 months. Thats up from a low of 1.63 percent last month.And the yield could go even higher based on Bernankes remarks that the Fed will begin tapering later this year and could end the program in the middle of next year, provided the economy shows continued strength.The average mortgage rates do not include extra fees, known as points, which most borrowers must pay to get the lowest rates. One point equals 1 percent of the loan amount. The average fee for 30-year mortgages rose to 0.8 point from 0.7 point. The fee for 15-year loans was unchanged at 0.7 point.The average rate on a one-year adjustable-rate mortgage declined to 2.57 percent from 2.58 percent. The fee for one-year adjustable-rate loans was steady at 0.4 point. The average rate on a five-year adjustable-rate mortgage was unchanged at 2.79 percent. The fee slipped to 0.5 point from 0.6 point.Recent new about mortgage interest rates:Mortgage Rates Rise for 6th Straight WeekHome Mortgage Rates at Highest Level in a YearAre No-Cost Mortgages Always the Best Deal? More on AOL Real Estate:Find homes for rent.Find out how to calculate mortgage payments.Find homes for sale in your area.Find foreclosures in your area. Follow us on Twitter at @AOLRealEstate or connect with AOL Real Estate on Facebook. #fivemin-widget-blogsmith-image-181509{display:none;} .cke_show_borders #fivemin-widget-blogsmith-image-181509, #postcontentcontainer #fivemin-widget-blogsmith-image-181509{width:570px;height:411px;display:block;}try{document.getElementById("fivemin-widget-blogsmith-image-181509").style.display="none";}catch(e){} Permalink | Email this | Commentshttp://realestate.aol.com/blog/2013/06/20/mortgage-rates-drop/ @ uwad.com

Home Re-Sales Pass 5 Million Mark for 1st Time Since 2009

Filed under: News, Foreclosures, SellingBy Martin CrutsingerWASHINGTON -- U.S. sales of previously occupied homes surpassed the 5 million mark in May, the first time thats happened in 3½ years. The gain shows the housing recovery is strengthening. The National Association of Realtors said Thursday that home re-sales rose 4.2 percent in May to a seasonally adjusted annual rate of 5.18 million. Thats up from Aprils pace of 4.97 million.Sales last exceeded 5 million in November 2009. During that month and October 2009, a homebuying tax credit briefly inflated the sales pace. Prior to that, sales hadnt been above 5 million since July 2007. While the sales pace is still below the 5.5 million that is consistent with healthy markets, it has risen nearly 13 percent in the past 12 months.And with a tight supply of homes on the market, the median sales price rose to $208,000 -- the highest since July 2008. "Housing is now the strongest part of the economy in growth terms," said Jim OSullivan, chief U.S. economist at High Frequency Economics.The housing recovery is looking more sustainable and should continue to boost economic growth this year, offsetting some of the drag from higher taxes and federal spending cuts. Steady hiring and low mortgage rates have encouraged more people to buy homes. And with demand up, prices rising and few homes on the market, builders have grown more optimistic about their prospects, leading to more construction and jobs.Sales of previously occupied homes rose last month in every region of the country. They increased 8 percent in the Midwest, 4 percent in the South, 2.5 percent in the West and 1.6 percent in the Northeast.The supply of homes for sales also grew, a sign that more homeowners are confident that they can lure buyers. The number of homes on the market rose 3.3 percent in May to 2.22 million. Still, inventories are 10 percent below year-ago levels.Still, the report showed that a critical part of the market remains weak. First-time buyers represented only 28 percent of buyers in May. Thats down from 34 percent a year ago and significantly below more normal levels above 40 percent. The decline in first-time buyers suggests many younger Americas are unable to get financing.Banks have raised lending standards since the housing crisis, requiring higher credit scores, larger down payments and more detailed employment records. Distressed sales, which include foreclosures and short sales, accounted for 18 percent of May sales, unchanged from April. Both months matched the lowest share of distressed sales since the Realtors began tracking this data in October 2008. Distressed sales stood at 25 percent of sales in May 2012.On Wednesday, Federal Reserve Chairman Ben Bernanke cited the housing gains as a major reason the Feds economic outlook has brightened. Still, mortgage rates have jumped in recent weeks. And they are expected to rise further now that the Fed has signaled it plans to scale back its bond purchases this year if the economy continues to strengthen. Higher mortgage rates could slow some of the housing markets momentum.A better outlook for housing has made builders more optimistic. The National Association of Home Builders/Wells Fargo builder sentiment index rose in June to 52, up from 44 in May. It was the highest reading in more than seven years and the largest monthly increase in more than a decade. A reading above 50 indicates more builders view sales conditions as good rather than poor.More about home sales: Homes Selling as Fast as They Did During Housing Boom Spring Homebuying Stuck Under Tight Inventory, NAR Says Pending Home Sales at Highest in 3 YearsMore on AOL Real Estate:Find out how to calculate mortgage payments.Find homes for sale in your area.Find foreclosures in your area. Find homes for rent.Follow us on Twitter at @AOLRealEstate or connect with AOL Real Estate on Facebook. try{document.getElementById("fivemin-widget-blogsmith-image-968521").style.display="none";}catch(e){}  Permalink | Email this | Commentshttp://realestate.aol.com/blog/2013/06/20/May-home-sales-gain/ @ uwad.com

Micro-apartments: The anti-McMansions

Move over McMansions: These days, pint-sized, micro-apartments are all the rage.http://rss.cnn.com/~r/rss/money_realestate/~3/aRJ17TfOs7s/index.html @ uwad.com

Mortgage rates near 4% barrier

Read full story for latest details.http://rss.cnn.com/~r/rss/money_realestate/~3/cx3ipSAcOM0/index.html @ uwad.com

Home Price Rise Unsustainable, Realtors Report Says

Filed under: News, Buying, SellingBy Diana OlickFor six straight months, home prices have been leaping in double digits from a year ago. In May, the median existing home sale price was 15.4 percent higher nationally than May of 2012, according to a new report from the National Association of Realtors.The Realtors themselves say that kind of jump is "unsustainable.""Some of the increases can be explained by the fact that it is recovering from an over-corrected situation," said Lawrence Yun, chief economist for the Realtors. "But with peoples income rising at only 1 or 2 percent and prices rising in double digits, it cannot continue. "Part of the steep rise in the median home price can be attributed to a change in the mix of homes that are selling. Sales of homes priced below $100,000 were down 9 percent from a year ago, while sales of homes priced at more than $500,000 were up 33 percent.Distressed properties, that is short sales and foreclosures, are also a diminishing share of total home sales. They are down to just 18 percent, the lowest since the Realtors began tracking these sales in 2008. That share, however, is far higher in some of the formerly hard-hit markets, where another new phenomenon is playing out."We noticed in some of the markets where we were either buying or selling properties, that the price discounts on REOs [bank-owned homes] appeared to be vanishing rapidly," said Rick Sharga of Carrington Mortgage Holdings, a fund that has invested in distressed properties.In many of the markets that took a beating during the real estate meltdown, such as California, Arizona and Florida, prices of distressed homes are rising faster than traditional home prices. These markets are also seeing the highest volume of home sales, therefore having an outsized effect on the national number."You can at least make an argument that part of the dramatic increase in median home prices can be attributed to the foreclosure discount evaporating. That suggests that overall home price increases may be slightly overstated," said Sharga.Also weighing on home prices are rising mortgage rates. Mays existing home sales report from the Realtors represents closed sales, so contracts and interest rates would have been signed and locked in March or April, before rates began to rise.Based on the change in mortgage rates from early May to today, the average buyer would have to pay 13 percent more in monthly payments, including taxes and insurance, according to Mark Hanson, a California-based analyst. They also have to earn 10 percent more in income to qualify for a loan based on a typical qualifying debt-to-income ratio of 45 percent."These are huge moves especially considering -- when purchasing a house using a mortgage -- most people buy based on monthly payment and the maximum allowable debt-to-income ratio. This means first-timer share will fall even further. They are already at a multiyear low even with record-low rates," said Hanson.First-time homebuyer participation was at just 29 percent, according to the Realtors, a five-year low. Without these buyers, as investors pull back and prices rise, home sales will likely lose steam. Junes report on pending home sales, or signed contracts in May, will tell just how much rising rates are impacting sales. That report will be released Thursday, June 27.More from CNBC:Rising Rates Will Not Impact HousingSoaring Interest Rates Send Mortgage Apps ReelingLink Between Government and HousingMore on AOL Real Estate:Find out how to calculate mortgage payments.Find homes for sale in your area.Find foreclosures in your area. Find homes for rent.Follow us on Twitter at @AOLRealEstate or connect with AOL Real Estate on Facebook. #fivemin-widget-blogsmith-image-731323{display:none;} .cke_show_borders #fivemin-widget-blogsmith-image-731323, #postcontentcontainer #fivemin-widget-blogsmith-image-731323{width:570px;height:411px;display:block;}try{document.getElementById("fivemin-widget-blogsmith-image-731323").style.display="none";}catch(e){} Permalink | Email this | Commentshttp://realestate.aol.com/blog/2013/06/20/home-price-rise-unsustainable-realtors-report-says/ @ uwad.com

Ann Romney Confronts San Diego City Council on Housing Permits

Filed under: News, Celebrity HomesBy Shauntel LoweAnn Romney was a surprise speaker at Tuesdays San Diego City Council meeting, accusing city officials of providing inaccurate information about her plan to redevelop a La Jolla beachfront home.The wife (pictured at left) of former Republican presidential candidate Mitt Romney -- who took heat for the couples plans to include a car elevator in the redeveloped home -- spoke for about two minutes during the public comment portion of the meeting, as first reported by San Diego blogger Gayle Falkenthal at The Washington Times."Noting that she and my husband, Mitt strongly support transparent government and public participation, she urged council members to make sure that stronger protections are put in place so that in the future, permits are processed efficiently and correctly and the public is afforded the proper notice and opportunity to be heard, " Falkenthal wrote.Read the rest of the story at La Jolla Patch.More about the Romneys homes:Romneys Housing Plan Already Making an Impact in La JollaMitt Romney: My 3,000-Square-Foot House Is Too SmallBarack Obamas and Mitt Romneys Homes #fivemin-widget-blogsmith-image-179954{display:none;} .cke_show_borders #fivemin-widget-blogsmith-image-179954, #postcontentcontainer #fivemin-widget-blogsmith-image-179954{width:570px;height:411px;display:block;}try{document.getElementById("fivemin-widget-blogsmith-image-179954").style.display="none";}catch(e){}More on AOL Real Estate:Find out how to calculate mortgage payments.Find homes for sale in your area.Find foreclosures in your area.See celebrity real estate. Follow us on Twitter at @AOLRealEstate or connect with AOL Real Estate on Facebook. Permalink | Email this | Commentshttp://realestate.aol.com/blog/2013/06/21/ann-romney-criticizes-san-diego-council/ @ uwad.com

Federal housing offices to close in worst foreclosure areas

Read full story for latest details.http://rss.cnn.com/~r/rss/money_realestate/~3/1sRzLQitEPM/index.html @ uwad.com

Fed Stimulus Program May End in 2014

If the Federal Reserve starts easing up on its stimulus program, it could have a big impact on the housing market. Find out what this could mean...http://feedproxy.google.com/~r/DailyRealEstateNews/~3/4qA7aThjKeI/fed-stimulus-program-may-end-in-2014Jim Gross @ uwad.com

Building Resumes on Largest Home in U.S.

The owners of a 90,000-square-foot home located just outside of Orlando, Fla.—dubbed “Versailles”—have resumed...http://feedproxy.google.com/~r/DailyRealEstateNews/~3/6sTYOy0n1cY/building-resumes-largest-home-in-usJim Gross @ uwad.com

30-Year Mortgage Rates Climb Near 4% Range

Rates continue to climb higher from their all-time lows. The 30-year mortgage has risen a half percentage point just since last month, Freddie Mac...http://feedproxy.google.com/~r/DailyRealEstateNews/~3/hOqy76aVtzg/30-year-mortgage-rates-climb-near-4-rangeJim Gross @ uwad.com

After Closing, Sellers Refuse to Go

A buyer has filed a complaint with the California Department of Real Estate against agents because they have not intervened to help remove the...http://feedproxy.google.com/~r/DailyRealEstateNews/~3/WZQc1sm89Dg/after-closing-sellers-refuse-goJim Gross @ uwad.com

5 Cities With the Most Parks Per Resident

"You can't have a great city without great parks," according to the Trust for Public Land, a nonprofit group that recently ranked U....http://feedproxy.google.com/~r/DailyRealEstateNews/~3/SxqM2LzoMTY/5-cities-most-parks-residentJim Gross @ uwad.com

3 Tools to Help You Discover and Share Great Content

Are you looking for better ways to find new and interesting content to share? Is finding time to read and share interesting content a battle? In this article, I outline 3 tools to help you find and share great content while saving you valuable time. #1: Subscribe to Blogs Using Feedly Blog posts can be [...]http://www.socialmediaexaminer.com/3-tools-to-find-great-content-to-share/
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4 Easy Steps to Implement a Facebook Marketing Strategy

Do you have a Facebook marketing strategy? Is your Facebook marketing is working? If you dont have a strategy with goals in place for your Facebook Page, you wont know if you are getting a return on your social media efforts! Your Facebook marketing strategy shouldnt live in a vacuumit needs to be integrated with [...]http://www.socialmediaexaminer.com/4-easy-steps-to-implement-a-facebook-marketing-strategy/
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Proof That Podcasting Will Benefit Your Business

Pat Flynn of The Smart Passive Income Blog has parlayed his everyday-guy persona into a six-figure income supported heavily by podcasting. Ive been able to make a much deeper connection with my audience, Flynn said. When I go to conferences, the first thing people who meet me say is, I love listening to your podcast. [...]http://www.socialmediaexaminer.com/proof-that-podcasting-will-benefit-your-business/
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Research Shows Blogging a Top Focus for Marketers

Do you ever wonder what tactics, tools and strategies other social media marketers are using? Regardless of how long youve been involved in social media, chances are you have some questions that youd like answered. Questions such as, What are the best social management tools? or What are the best ways to engage my audience [...]http://www.socialmediaexaminer.com/new-research-shows-blogging-a-top-focus-for-marketers/
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Mobilizing Your Website: What You Need to Know

Is your website or blog mobile-ready? Are you wondering how to optimize it for mobile users? To learn about the opportunities available in the mobile marketing world, I interview Greg Hickman for this episode of the Social Media Marketing podcast. More About This Show The Social Media Marketing podcast is a show from Social Media [...]http://www.socialmediaexaminer.com/mobilizing-your-website/
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