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Steve & JoAnn Srein |
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the
People Come First Newsletter August 2009
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Sponsored By
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Scroll Down or Click on
Subject of Interest
Inside This Edition
Real Estate News
Foreclosure News
Lending News
Financial News & Tips
Tax & Accounting Tips
Computer Tech
Minute
Helpful Web Links
Blog Spot (Updated)
Customer Comments
Blog
Uh Oh - I Need More
Money To Close?????
What Happens When You
Don't Get an Accurate Good Faith Estimate.
Read ON.
See Our Complete Customers
Comments Page
Read About Us
Thanks Australia
Thoughts on the
USA
A Must Read |
 From
The Heart
We're in the heart of summertime. The heat index is
reaching 100 degrees and in some places, even higher. The
heat is on in our business too. We're turning up the heat
to bring you more of the information you have asked us for.
The mortgage & real estate industry along with how we prepare
our taxes is quickly changing.
Our mission continues to be one that helps people meet the
challenges of today and to protect and help them
work thru this tumultuous times we are in. We are helping people achieve their
dreams. Helping people save money and helping people avoid costly
mistakes.
Over the past 30 years, I have
consulted with thousands of clients who put their trust in the
information we provide and
the companies we represent. It is an awesome responsibility
that is not taken lightly.
I realize that the destiny of those we serve are in our hands, and
that my friend is a sobering though. Each time I or one of
our colleagues meet with
people we treat our clients financial matters as if they were our
own. It's personal. It's Professional.
We want to thank you for your loyal support all of these years!
And for those that have not had an experience working with us and our
fine services, we invite you to give us a call and see for yourself.
It will be refreshing and rewarding to see that People Really Do Come
First!
Steve Srein - Founder |
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Steve Srein brings his 33 years of banking, financial
and real estate experience together in one easy to read newsletter. Steve
gives you a simple format with links that will help you easily navigate
and understand these important subjects.
JoAnn Srein brings over 12 years of financial and real
estate experience to our team of writers.
You
have the best two people in the industry on your side working hard to
earn your business.
The goal of the People Come First Newsletter is
to keep you informed with the latest financial and real estate news that
will help you make sound financial decisions.
We strive to save our subscribers and customers MONEY!
Together we invite you to share the People Come First
Newsletter with your friends, family and associates.
Anyone can subscribe by sending us an email to Info@PeopleComeFirst.net
and ask for our newsletter. Or
they can visit www.PeopleSaveMore.net
and click on the Newsletter section.
We hope you enjoy this issue!
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| Topics |
Real Estate News
Click Here for the news |
- First Time Buyers, Time is Running Out for the $8,000 Tax Credit -
Tax Credit Ends 11/30/2009
- "Sign of Change: Existing-Home Sales Rise 3.6% in June"
- "Fast Fixes to Get Your House Sold"
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Foreclosure News
Click Here for the news |
- "Want to Foreclose? Show Me the Paper!"
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Lending News
Click Here for the news |
- The Latest Wholesale Mortgage Rates
- WSJ Prime Rate 3.25%
- Freddie Mac Relief Refinance Mortgage - Making A Home Affordable
Program
- "Short Sales and Foreclosures Effects on Credit"
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Financial
News & Tips
Click Here for the news |
- Which Investments Should You Consider
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Tax &
Accounting Tips
Click Here for Tips |
- IRS - The "What Ifs" of an Econmic Downturn
- IRS - Seven Tips for Taxpayers Starting a New Business
- Need Bookkeeping Help? We Can Help!
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Helpful Web Links &
Computer Tech Minute
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With the help of our subscribers and other resources, we have
gathered many helpful and useful web links for your use.
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Blog
Spot (New)
Updated Often |
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Click on Links Below |
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For Your Finance & Mortgage
Needs |
Hungry Yet? |
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Enjoy Your Reading! |
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Real Estate News
Rob Martin - Broker
Golden Realty Group
Steve, Sassy, Jasmine
& JoAnn |
- First Time Buyers, Time is Running Out for the $8,000 Tax Credit -
Tax Credit Ends 11/30/2009
"The
American Recovery and Reinvestment Act of 2009 offers homebuyers a
tax credit of up to $8,000 for purchasing their first home. Families
can only access this credit after filing their tax returns with the
IRS."
FHA Homeownership Web Site - Read More.
FSBO
& golden Realty Groups Products & links
FSBO = For
Sale
by owner
2902 Gemini Avenue, NE, Palm Bay FL 32905 - $89,000
3 Bedroom / 2 Bath / 1452 Sq Ft / Built 1969 / CBS
See Virtual tour -
click Here
Flat
Fee Mls Service
$295.00
Full Service Mls At Reduced Commissions
1119 Steven
Patrick, Indian Harbour Beach, FL $95,000
2 Bedroom / 2 Bath / 1 Car / 1202 Sq Ft / Built 1980 / CBS
SOLD
5/22/2009
1268 Katrina
Course, Palm Bay, FL 32905 - $105,000
Sellers Saved $1313 in Commissions
Link
to FSBO & MLS Homes
Link
to Golden Realty Group Web Site
Need
A Rental - Look Here
(Brevard County, Florida)
If you know someone looking to buy a home in
Florida, North Carolina or South Carolina - click
here
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Foreclosure News
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Lending News
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- The
Latest Wholesale Mortgage Rates
(*Rates subject to change without notice)
Interest Rates May Vary Slightly Based On Your Area of the Country
Bond Market
-
Click Here to see Bond Market Chart
Activity
In Real Time
Click
Here for Current Mortgage Rates & Programs
To Apply – You Can Download Our Mini-Application
and Send It To US
Click
Here
(Virus Free)
- Feds Key Interest Rate Holding at .0% to .25%
WSJ Prime Rate 3.25%
- Making A Home Affordable Program
"The
Freddie Mac Relief
Refinance MortgageSM,
our business
implementation of
the federal Home
Affordable
Refinance, provides
broad market
availability with
two options that
help borrowers who
are making timely
mortgage payments
but have been unable
to refinance due to
declining property
values."
Follow the
Details -
Read More at
FreddieMac.com
- "Short Sales and Foreclosures Effect on Credit."
By
Elizabeth Weintraub, About.com
"Sellers may wonder whether
doing a
short sale would affect their credit less than completing a
foreclosure, and whether there are other advantages between the
two. While in foreclosure, and depending on state laws, a seller
could possibly stay in the property, essentially rent free, for four
months to a year before being forced to vacate. But that fact alone
does not mean a foreclosure is better."
Follow the Story - Read More Here
- About.com
- FHA Loans - Put Them to Work For You.
HUD has
announced effective with FHA case
numbers assigned on or after January 1, 2009, the
borrower's minimum cash investment requirement will increase to
3.5%.
Lower Down Payment
Sellers Can Pay Up to 6% of Buyers Closing Costs
Credit Scores Starting at 620
Call for More Details (321) 243-4892
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Click on Links Below |
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For Your Finance & Mortgage
Needs |
Hungry Yet? |
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Financial News & Tips
If you have a story or experience to tell, send us
an email
Click
Here
Freedom Financial
George Kiratzopoulos
Financial Professional
Need Legal Assistance?
Click This Link
Sponsor
|
- "Which Investments Should You Consider?"
"In your efforts to achieve a
balanced portfolio, it will often make better sense for
tax-planning reasons to purchase certain assets with your IRA or
qualified retirement plan money and
to
purchase other assets with funds
outside of these plans. This article will explore some of these
considerations."
Read Complete Article by George Kiratzopoulos, Financial
Professional
- "Bad Credit? Fix it Yourself and Save"
"I wouldn't pay 5 cents to join, or a penny a month
for a service to remove bad credit from your records. Why? Because
what they are selling does not exist. In my book, "Credit
Repair Kit For Dummies," I state unequivocally that paying a
credit repair company to remove bad information, specifically
"accurate," bad information, from your credit report is a waste of
your money. Accurate negative information cannot be removed from
your credit report until a specific time period has passed.
Generally, that's seven years from the date of the first reported
delinquency. What little the company can actually do to improve your
credit report, you can do yourself easily -- and for free."
Follow the Story - Read More
at Bankrate.com
-
FICO
Score Estimator. It's online
here @
MyFico.com
A very useful tool to help determine your credit score without the
cost of paying for a credit bureau. Still one of the best kept
secrets.
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We Are Serious About
Saving You Money! |
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Tax & Accounting Tips
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- IRS - The "What Ifs" of an Economic DownTurn
| "The
Internal Revenue Service
recognizes that many people
may be having difficult
times financially. There can
be a tax impact to events
such as job loss, debt
forgiveness or tapping a
retirement fund. If your
income decreased, you may be
newly eligible for certain
tax credits, such as the
Earned Income Tax Credit."
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Read Complete Article at IRS.gov
- Need Bookkeeping Help? We Can Help!
Bookkeeping Services Starting at low as $15.00 Per Hour
Quarterly Tax Preparation Starting as low as $25.00 Per Return
QuickBooks & QuickBooks Pro Qualified
25 Years Bookkeeping Experience
We Can Help You Prepare For Tax Season Too!
Call Today - (321) 242-8240
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Helpful Web Links
With the help of our subscribers and other resources, we have
gathered many helpful and useful web links, we bring them to you
in one great web page.
Click Here
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- Computer Tech Minute by Tellatech
Backing Up Your Files
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Need A ParaLegal? |
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Customer Comments |
- Your comments are very important to us. Others that we
have the opportunity to serve would like to hear what you have to
say. That's why we created our online Customer Comments page.
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Steve--Thank you very much for examining the info I sent you. I
appreciate your honesty and your work ethics. It means a lot to me.
I
will always turn to you first in any future transaction to see if
you can help me out. Also, if any of my friends need your services,
you will be the one that I recommend.
Thanks again for your help. C. Byrd - Melbourne Beach, FL
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Finding More Ways To Save You More! |
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FSBO Connection - US
Affiliated
FSBO Partners
South Carolina
Main Office:
ATLANTIC HOME MORTGAGE
4209-A Mayfair Street
Myrtle Beach, SC 29577 |
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Come First Newsletter. If
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This email newsletter has been created for your entertainment
only. You must always seek the proper professional advice before
taking any financial or legal action. |
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Thank You for your
continued support.
Steve
& JoAnn Srein
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In Florida
People's First Financial Services, Inc.
"Dedicated Service Since 1986"
2299 Sarno Rd, Suite B
Melbourne, FL 32935
(321) 242-8240
Fax (877) 202-2968
"Where People Do Come First"
www.PeopleComeFirst.net |
Golden Realty Group
Home of the
"Award Winning"
FSBO Connection Program
PO Box 410497
Melbourne, FL 32941
(321) 243-4892
"We Follow The Golden Rule"
www.PeopleSaveMore.net
www.GrgRealty.com |
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