PEOPLE COME FIRST NEWSLETTER SEPTEMBER 2009 - PEOPLES FIRST FINANCIAL SERVICES GOLDEN REALTY GROUP FSBO CONNECTION FLAT FEE MLS FLORIDA BREVARD COUNTY PAPAJOHNS BLOG

Steve & JoAnn Srein
the People Come First Newsletter September 2009
Sponsored By	Oh No, It's September Already! Where Did The Summer Go?
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 What Happens When You Don't Get an Accurate Good Faith Estimate. Read ON . See Our Complete Customers Comments Page Read About Us	From The Heart Summertime is almost over - for some. In some places, schools are back in session and the classrooms are heating up once again. The heat index outside is still reaching 100 degrees or higher too. In the present ever changing world of finance, lending and real estate, a veteran like myself has to continue being schooled or go back to "school" to learn the new rules and laws that play a big part of what we do. As we approach the last four months of 2009, we expect there will continue to be many changes that could effect our lives. We have much to learn and share with you as the news comes in. So stay tuned to all our future newsletters, share them with friends, family and others you know. 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 people 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
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!

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 More Signs of Change: "Existing-Home Sales Jump to Two-Year High" "How to Qualify for a Short Sale"
Foreclosure News Click Here for the news	"Rules for Tenants in Foreclosed Homes" & More "Foreclosures Grind on as Lenders Fail to Modify" Foreclosure Web Sites and More
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 Expand LTV Limits to 125% of Appraisal Value "Modifying a Mortgage Will Cost You" FHA Loans - Put Them To Work For You!
Financial News & Tips Click Here for the news	"Helping Preserve Your Retirement Assets by Taking Smaller Distributions" "Get 50 MPG in Your Own Car" FICO Score Estimator. It's online here @ MyFico.com
Tax & Accounting Tips Click Here for Tips	IRS - "Five Facts About The Home Office Deductions" IRS - "Small Business Video & Audio Presentations" Need Bookkeeping Help? We Can Help!
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Helpful Web Links & Computer Tech Minute by Computer Savvy	With the help of our subscribers and other resources, we have gathered many helpful and useful web links for your use. Florida & Brevard County Florida Area Links Hot Links with More Resources
Blog Spot (New) Updated Often	Click Here to View our Blog - Update Often
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	For Your Finance & Mortgage Needs	Hungry Yet?
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Enjoy Your Reading!
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. Sign of Change: "Existing Home Sales Jump to Two-Year High" "Aug. 21 (Bloomberg) -- Sales of existing U.S. homes jumped more than forecast in July to the highest level in almost two years, signaling the housing crisis that crippled the world’s largest economy is easing." Read Complete Story at Bloomberg.com "How To Qualify For a Short Sale" Short Sale Requirements - Do You Qualify for a Short Sale? By Elizabeth Weintraub, About.com "Short sales is a hot buzz phrase. Some sellers who decide that their home won't sell at the price they had imagined often start to wonder if they should do a short sale. A short sale doesn't always solve problems, but it most assuredly can create problems. Short sales are not the "saving grace" some home sellers would like to believe." Read Complete Story at About.com Back to Top FSBO & golden Realty Group Products & Links FSBO = For Sale by owner 5501-1 Robin Court, Keystone Heights, FL $167,000 5.49 Acres of Land on Lake 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 Under Contract SOLD 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	"Rules for Tenants in Foreclosed Homes" & More "Are you a tenant living in a rental unit that is facing foreclosure? Are you a landlord facing foreclosure of your rental property? Did you recently purchase a foreclosed property? Do you know your rights and responsibilities under new foreclosure tenant protection laws?" Read Complete Story by Heidi Wegleitner, Legal Action of Wisconsin, Inc More Resources - Click Here "Foreclosures Grind on as Lenders Fail to Modify" By Stephanie Armour, USA TODAY "The Obama administration's $75 billion program to reduce foreclosures has been beset by backlogs and delays, leading many overstretched homeowners to complain about unreturned phone calls and inaccurate information from lenders, while others say they were denied help for reasons that weren't clear." Read Complete Story at USAToday.com Foreclosure Web Sites and More - These are our three favorite web sites where you can get FREE information. www.Emailforeclosure.com http://www.all-foreclosure.com/foreclosures.htm www.Foreclosures.com More Hot Links
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Lending News	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% Freddie Mac Relief Refinance Mortgage - Making A Home Affordable Program Expands LTV Limits to 125% of Appraisal Value “Fannie, Freddie to Refinance Larger Underwater Loans” By Dawn Kopecki “July 1 (Bloomberg) -- Fannie Mae and Freddie Mac will begin refinancing mortgages with loan-to-value ratios of as much as 125 percent as the Obama administration seeks to boost participation in its anti-foreclosure programs. “ Read Complete Story at Bloomberg.com More Resources - Click Here Effects on Your Credit "New credit rating guidelines cut homeowners no slack" *"THE ISSUE: Modifying a mortgage will cost you."* Sun Sentinel Editorial Board August 21, 2009 "Facing one of the worst housing markets in memory, struggling homeowners now have another incentive to walk away from an investment gone bad." Read complete Story at Sun Sentinel.com FHA Loans - Put Them to Work For You. HUD - Effective 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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	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	"Helping Preserve Your Retirement Assets by Taking Smaller Distributions" "You own two pots of money: The money that has already been taxed (lets call it “regular money”) and the money that has not been taxed (let’s call this “retirement money” such as IRA, 401(k). 403(b). etc.). When you spend a dollar of regular money, the cost to you is exactly $1. When you spend $1 of retirement money, cost to you could be as much as $1.54¹(1/.65) because you may have to pay off federal income tax on the amount you withdraw. Therefore, if you want to reduce your taxes, consider not taking more than the required distribution from your retirement money." Read Complete Article by George Kiratzopoulos, Financial Professional "Get 50 MPG in Your Own Car" “You too can wring much more out of every gallon of gas, even if you don't go to the crazy lengths of so-called hypermilers. Here are basic steps anyone can take to get real savings.” By Philipp Harper “Wayne Gerdes is the Lance Armstrong of gas mileage. In 2006, at the Honda Insight Marathon in Tonkawa, Okla., using driving tactics both mundane and exotic, Gerdes and his teammates went 2,254 miles on a single 13.7-gallon tank of gas. That's an average of 165 miles per gallon for a vehicle with an EPA rating of 60 city/66 highway. During one of Gerdes' runs on the 40-mile course, mpg peaked at 200.” Read Complete Story at MSNMoney.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!
Tax & Accounting Tips	IRS - "Five Facts About The Home Office Deductions" IRS Summertime Tax Tip 2009-16 "With technology making it easier than ever for people to operate a business out of their house, many taxpayers may be able to take a home office deduction when filing their 2009 federal tax return next year. Here are five important things the IRS wants you to know about claiming the home office deduction." Read Complete Article at IRS.gov IRS - "Small Business Video & Audio Presentations" "These short presentations are dedicated to helping your small business. In addition to these video and audio presentations, please visit the Small Business Tax Workshop Video page for instructional lessons. To view the videos, please download the Flash Player if you don't already have it. 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. Click Here	Computer Tech Minute by ComputerSavvy Would You Like Milk With Your Cookies? Florida & Brevard County Florida Area Links More Hot Links, More Resources Here Are Some Helpful Links: Need help finding Home Owners Insurance in Florida? Check Here
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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. Our Experience with People's First was an absolute pleasure. They are hard-working and very professional. We will highly recommend them. Clark Colbert - Palm Bay, FL 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 Click Here to read more of our Customers Comments
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Finding More Ways To Save You More!
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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Thank You for your continued support. Steve & JoAnn Srein
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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Close With This Thought from One of Our Readers: If there are 24 hours in a day, and a lifetime is decades long, how can you have a long day, and a short memory? These are the thoughts that keep me up at night. J. Van Daalen

Short Sale Requirements - Do You Qualify for a Short Sale? By Elizabeth Weintraub, About.com

Short Sale Requirements - Do You Qualify for a Short Sale?
By Elizabeth Weintraub, About.com