Budget-friendly Bathroom Makeovers

If a bathroom makeover is simply not in your budget, you can still give it a major twist, with updating even a smaller part of your bathroom. Small changes can have a big impact in your life. To be able to make the most out of this makeover, you have to ask yourself on what aspect or area in the room will greatly bring positive effects to you afterwards. At times, you have to bring out the creativity in you.


You can try changing pastels or shades in the bathroom with bright and wonderful colored tiles. You can also try mixing and matching colors of the bathtub and sink. You can also rejuvenate old cabinets by repainting or re-facing them. Or, if you can, replace the old ones with new cabinets.

You may also want to give your bathroom a new ray of light. Swapping light fixtures for newer ones that will meet your taste for relaxation will be good. You may prefer ones that give out softer light for nice evenings in the tub with your favorite scents and candles, as well as swapping it then with brighter lights, to help you get stimulated in the mornings for a fresh, brand new start.

Another way is to give your wall a new treatment with colors and lines. This could be the simplest alternative for the makeover.

And lastly, you may also consider on upgrading your bathroom, aside from your hairdryer, with the latest in the entertainment industry like TV’s, stereos and DVD players.…

How to Sell Your House!

Well, folks, we have finally made it to the final part in this post series! It is time to turn our focus back to your house itself. Now, as we have stated many times, the housing market right now is the pits. Some houses sit on the market for months and months – if not even longer! You definitely do not want that to happen – fortunately, you do not have to keep on lowering the sale price just to make your house desirable to potential buyers.

Every house has a few little things wrong with it. You might need a new air conditioning unit, the faucet might be leaky, the windows might need to be resealed. You get the idea. When you are selling your home, you can increase your chances of selling it quickly by indulging in a little home repair – especially if it will make your home look better both in person and on paper.

So, if you have any cracked tiles or messed up carpet, replace it. Patch up any holes in the walls, fix those faucets, make sure all the doors and cabinets open and close properly. You may even want to give some of the rooms a new coat of paint or putting down some new rugs.…

How You Can Purchase A Home After Foreclosure

Purchasing a home in this day and age, having good credit is something that can truly help you not only get the home that you want, but also get the price that you want.  What happens if you want to buy a home after you have gone into bankruptcy or foreclosure though?  Well, there are some things that you can do – after all, everyone in the world should have a chance to buy a new home and that is what we are going to help you do!

One of the first things that you need to be is organized.  You want to make sure that you mark your calendar accordingly, that way you know exactly when you can start purchasing your new home.  If you have filed for Chapter 13, bankruptcy then after 1 year, you can get a new home.  If you have filed Chapter 7 bankruptcy, you can buy a new home after 2 years.

The next thing we are going to explore in the next blog is if you foreclosed on your home, what you need to do in order to get a new one!…

Home Inspections … What Are They? 2

While the home inspector might be someone that is very important to deal with, there are a few other details that you might want to take into consideration whenever you are looking to purchase a home.  For example, why do we do home inspections?

One of the major reasons why we should get a home inspection has got to be to ensure that home is going to be livable and that you are actually going to be making an investment.  Home inspectors are going to give you the truth and nothing but the truth.

You always want to make sure that you are buying an investment whenever you get a home and that is what a home inspector will do fro you!…


Prior to my position as First Vice President at Bayview Financial Exchange Services, LLC, I practiced real estate law.  As a real estate attorney, I was always concerned about what was happening in the real estate mortgage market, along with the types of loans, their availability and costs associated thereto.   We have seen over the past 4 to 5  years, a large percentage of consumers obtaining variable interest rate loans, especially on residential properties.   A variable interest rate loan generally allows the borrower to obtain a larger amount of financing,  because it usually has a lower interest rate at its initiation.  But, it also has the potential of increasing interest rates in the future.

Unfortunately, that future is now. Interest rates have escalated, with projections of continuing escalation.  This will result in higher costs to the consumer  and the consumer being able to purchase “less property.”  Is there another elixir for the consumer?  Ah–creative minds create creative solutions.  Creative is an important word–Did I not just use it 3 times in a 5 word sentence?  The mortgage industry has designed a creative answer–the “Fixed Rate Interest Only Loan.”  This loan allows the consumer to lock in an interest rate for the life of the loan, while reducing their monthly payment,  because all they pay is interest and no principal payments, for typically the first 10 or 15 years.   According to UBS AG, these loans now account for around 8% of all new residential loans being issued.  The benefits are that the borrower locks in a single rate for the life of the loan, and at least for the first 10 to 15 years the payments are relatively low.  However, after that initial 10 or 15 year period, the monthly payments jump up because the borrower now has to repay the balance of the loan over the remaining time period.…

Buying a House 101

There is no question that the housing industry is in a pretty sorry state right now.  No one has the money to buy a home, and thus people who are selling their homes often find that they remain on the market for months, if not years, at a time.  That also means that the prices for houses currently on the market tend to fall quite drastically – and you might be in a position to take advantage of that.  However, you need to keep in mind that the rules are changing when it comes to qualifying for a loan.

The first thing you need to be concerned about is an appraisal.  You need to make absolutely certain that any property you are thinking about buying gets proper appraised.  That way, you will have a more accurate idea about what the home’s true market value is.  You will also be able to pick out any discrepancies told by the person selling the house.  Banks also appraise the homes they have.  They like house to appraise at a value equal to or greater than the amount of the loan a buyer is requesting.  That way, the risk of default lowers significantly.…

Marketing with bandit signs again?

Call it what you want. Cost effective marketing at its best. Bandit sign marketing kicks ass, and I usually don’t use profanity in my articles but this time I will leave that in there. I started my whole business on bandit signs. I have branched off into other ventures outside of real estate using bandit signs. Bandit signs are cheap, bandit signs are sexy, bandit signs can be cute, and can also be very ugly. Believe it or not, the ugly bandit signs are usually the ones that grab the most attention and get the most calls. Listen up folks, you don’t have to be all cute and fancy with these things. They are meant to do one thing and one thing only, and that’s to get the phone ringing so that you can start screening some leads and possibly get some deals and cash flow rolling in.

They come in may different sizes, colors and prices. What I have learned is that also come with many different motives. You wont be the only one using bandit signs in your city. Look and see what other business are marketing with their signs. You see them everywhere right? Oh you don’t, well you need to be that guy. lol. You should not be paying more than 2 bucks a sign. H wire stakes cost a buck or 2. You have 4 bucks into 1 sign, but if you are serious enough to minimize your cost, you can start printing them your self and laminating them with 3 mil lamination pouches, taping them to an h wire stake. Yeah, when I say guerrilla marketing is in effect for here on out, you better get ready.

Seriously, if bandit signs did not work, you would never see them all over the place, posted in the grass with stakes or on phone poles. Its all marketing. In the real estate field they are used by every single type of profession. From realtors, to brokers, to wholesalers, to landlord. Sell the sizzle and you will get the calls. So many people want to be hand feed but if you don’t try different messages out for your self you wont know what works will you. Usually for sellers its We Pay Cash For Houses and your number, and for cash buyers its, Handyman Special Cheap Cash and your phone number. You can get creative and add some numbers such as price in the sign to see what …


USA Today reported that former Federal Reserve Chairman, Alan Greenspan, predicted that the “housing boom” is over. He said however, that there is no strong evidence that “…home prices will collapse.” He inferred that in the “frothy” markets it was too early to predict price declines. The new chairman, Ben Bernanke, additionally confirmed: “…it seems pretty clear now that the US housing market is cooling.” Finally, the government is also confirming what we have been reporting for more than 5 months now. The housing market has in fact slowed down and it will continue to slow down over the next 12 months. As a real estate attorney and Qualified Intermediary, I am actively involved with the real estate industry, so I hope I am wrong. But it really scares me when even Alan Greenspan agrees with me.
/Home Inspections … What Are They? /

Whenever you are looking to purchase a home, there are so many different things that you are going to want to take into consideration and the home inspection is one of them.  In these few blogs that are coming up, we are going to go through the choosing process and we are going to make sure that you get yourself the right home and with the right inspection.

One of the first things that you want to make sure that you are doing whenever you choose a home inspector is that the home inspector is professional and that they are experienced.  That is what is going to make sure that you get the right home and the best deal.

A good home inspector has testimonials to back up their work as well as a state license.…

Mortgages: Find The Right One!

Finding the right mortgage is almost as important as finding the right house.  You need to consider how long you want the mortgage to last, how much you can pay per month and of course what lender that you are going to go with.  All of these are very important subjects that you absolutely need to make sure that you look into – after all, you are stuck with the mortgage for a while once you get it.

That is why finding the idea mortgage for you is so important and why doing all of your research beforehand is so important.  The internet is a fantastic tool that you should use whenever you are looking for the right mortgage.

After all, you need to know exactly what you are signing half of your life away to right?  Right!…

The art of wholesaling real estate

I do like to consider that when I am wholesaling real estate it is indeed an art form. From the time the bandit signs are created to the time when the phone starts to ring. You had to do or create something to get that check your picking up from the closing table.

From deciding what is going to go on your bandit signs, or what graphics you are going to use on your direct mailing piece to send out, it is all an art from folks. Because real estate wholesaling is a business, it is best that you absolutely love the art from you are involved in. Start to get even more creative in your craft and watch you not have any competitors to worry about. Truly. When you test your marketing campaigns and try new things, who can tell you that the raised or lowered response to your campaign was going to happen? Only you know the outcome of that marketing campaign.

I say that to say this. If you are not trying by throwing paint on the wall to see if it begins to look like a piece art, how will you ever know its beauty if you don’t grab the paint brush. 80% of people sit around and watch others gab life by the horns. The other 20% are action takers. What side are you on? An artist never sold a painting if they never picked up a paint brush. Take actin out here folks. The deals are out here.…

Market Conditions: A Slight Jump Ahead!

It seems that the waiting is paying off because not only is D.C getting their act together, but we have also seen a small jump in the sales in the Western region of the country!   Although, despite this jump, the entire market is underperforming.  In the past decade, we have added in about twenty-five million people to our population and the ability to afford a house could not be higher for most people but the household formation is much, much lower than expected.

Obama really does have his hands full if he expects to jump the real estate market into gear for the spring and summer months – we have to wait and see, but our newest president definitely has his hands full and if he wants to make sales, he will definitely have to work fast!

Everywhere in the world, people are dropping the cost of their homes and losing all sorts of money – even with the bailout, it simply does not seem to be helping.  Obama is tightening those purse strings in the white house, but let’s hope that he can save our great country!…

The Perils of Renting and Scams: 2

When things get fishy and you are not sure that the offer you are so into is legitimate, there is one hard, fast, unbreakable rule: DO NOT PAY ANY MONEY!

Secondly, feel free to pester.  Let the potential landlord know you are uncomfortable with this situation.  Do not rest until you get a working phone number and address to reach the person, not to mention the verifiable address of the rental property.

If it is at all possible, acquire the services of a broker to act as a go between.  He or she will be able to ascertain whether this rental offer is legitimate, and it will save you from getting duped into anything.

Keep other properties in mind.  Sure, I am in love with this house, it suits all my needs, and it is affordable, but I know I logically have to realize that there are other places available out there.  I cannot hang all my hopes on this one property; I simply have to hope it turns out well.…