Keller Williams Tyler, Texas

                            Are discount brokers good for the seller?

                                        www.shyshinalt.com

Are you really doing the right thing for your seller? Had an agent come to me this morning and we had a discussion on a home she just showed that was listed at a deep discount of 1% to the buyer’s agent. This is becoming more and more prevalent in the market today and while most feel it is a problem I feel it is something that will eventually blow up in the discounters face. After investigating the listing I came to a conclusion that the seller is being taken advantage of. You see our agent did the right thing and showed the home, but in the real world most agents would pass on this showing. I know we should show the home, but really why would another agent base their entire business plan on taking advantage of the entire real estate community? This home has already been on the market 180 days longer than any home in the neighborhood that sold in the last 2 years. Keeping in mind it’s a $550,000.00 home, that could be close to $ 30,000.00 in additional payments and taxes the seller has paid. That would be, ugh, 6% and it’s still not sold. Then take into account what negotiations might be like with a seller who is this “intelligent!” It reminds me of the saying;” a fool and his money are soon parted.” Or as W.C. Fields said, “they were lucky to get together in the first place!” Did the agent do the right thing? Clearly no, but when a seller uses a discount broker, they get what they paid for or dare I say deserve. In this case $30,000.00 in loses so far with no end in sight. http://www.shshinalt.com/

 

 

East Texas Real Estate

http://www.shyshinalt.com/

When it comes to buying and selling the single largest financial investment in most family’s lives, why would you trust just anyone to do it? The goal for most buyers and sellers is to protect their investments. Buyers want to make sure they are buying in an area of good resale and getting the most for their dollars. Sellers want to make sure that they are getting the most money for their investment and they are protected from the legal pitfalls of today’s society. With both concepts in mind, why would you put your livelihood in the hands of someone who is not a professional, someone who may not be familiar with the area or someone you are not certain you can fully trust?

You shouldn't and I certainly don’t want you to!

I pride myself on being your hometown real estate professional resource for all your real estate needs. Being from East Texas, I understand the East Texas market better than others. I strive to make sure you are taken care in every aspect and every step of the way. My objective is to raise the bar as to what you should expect from your agent and ensure that I am fully accountable to you. Open lines of communication, attention to every detail of your buying or selling experience, and going the extra mile are my promises for every client. I believe that you are not just a number, not just a sign, not just a transaction, but a treasured client that has invested a lot of trust in my knowledge and skills. The home buying and selling process requires us to be a team which is why I have carefully selected professionals to assist you in every aspect of your buying or selling expereince so that no detail is left undone.

My goal is to create an expectation from you for future real estate needs that cannot be duplicated and look forward to your repeat business and trust as well as your referals!

I am always receptive and welcoming of your vital and valued feedback. This feedback enables me to consistently assess, re-evaluate and continuously make changes to consistently create a higher level of service. Call me today, I look forward to meeting, serving and getting to know you!

Shy Shinalt

Keller Williams Tyler

http://www.shyshinalt.com/

We offer our services in Tyler Texas,Tyler Texas Real Estate,Tyler Tx,Tyler Tx homes for sale,real estate Tyler Texas,Tyler MLS,Tyler Tx properties,tylerhomes,Keller Williams Tyler Texas,Tyler Texas real estate,  Tyler tx real estate, tyler real estate, tyler homes, homes for sale tyler tx, real estate tyler texas, tyler texas homes, flint tx real estate, bullard real estate, lindale real estate, tyler texas realtors, real estate tyler tx,Trulia, Tyler real estate, Tyler Homes, Tyler Homes For Sale, Tyler properties, Tyler listings,homes, houses, properties, Realtor.com, Tyler real estate, Tyler homes for sale, Tyler TX property, Tyler, Tyler, TX Homes for Sale & Real Estate | Homes.com., homes for sale Tyler Tx,Tyler Texas,Tyler Texas Real Estate,Tyler Tx,real estate Tyler Texas, we thank you very much for choosing Keller Williams

FHA will keep funding flips

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Waiver for 90-day resales extended through 2012

For the second year in a row, the Federal Housing Administration is extending a temporary waiver of its "anti-flipping" rule, meaning homebuyers relying on FHA-insured financing will continue to be able to buy homes that have changed hands in the last 90 days.
The waiver is a boon for investors seeking to rehab and flip properties, because it expands the pool of eligible borrowers to include those relying on FHA-backed loans, popular with first-time homebuyers and others who lack the cash to make large down payments.
In extending the waiver through 2012, FHA said all transactions must continue to be arms-length. In cases in which the sales price of the property is 20 percent or more above the seller’s acquisition cost, the waiver will apply only if the lender can document the justification for the increase in value, FHA said.
FHA instituted the anti-flipping rule in 2003 to protect its mutual mortgage insurance program from losses on homes that were merely flipped, rather than rehabbed. Homes repossessed by Fannie Mae, Freddie Mac, and state- and federally chartered financial institutions were exempt from the rule.
In February 2010, the Obama administration waived the waived the waiting period for resales -- including homes purchased and rehabbed by private investors -- in the hopes of stabilizing home prices and revitalizing communities hit by foreclosures.
It often takes less than 90 days to acquire, rehabilitate and sell properties, the Department of Housing and Urban Development said at the time. Some sellers of rehabbed properties had been reluctant to enter into contracts with FHA buyers because of the cost of holding a property for 90 days, HUD said.

In extending the waiver through 2011, FHA said it insured 21,000 90-day property flip loans worth more than $3.6 billion in 2010 that would otherwise not have qualified for financing.
That number has since grown to nearly 42,000 mortgages worth more than $7 billion on properties resold within 90 days of acquisition.

Shy Shinalt
Keller Williams Tyler
http://www.shyshinalt.com/

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Bankruptcy & buying a home? YES YOU CAN!!!

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I Have Been Through A Recent Bankruptcy And I Have A VA Loan Certificate. What Are My Options For Purchasing A Home?

Q: My family and I are currently renting a home. Our lease will be up this summer. I went through a bankruptcy a couple of years ago due to a failing business in the downswing of the economy. Things are looking up for my family right now. I have a VA Loan certificate,also. What is the negative and the positve of us purchasing a house right now?
–New Journey,
A: Hello -
I recently closed a transaction with a VA buyer, using a VA loan, so I called my lender to give me information to answer your question.
Did your bankruptcy include a foreclosures?
If your bankruptcy did NOT include a foreclosure, after 2 years (after the discharge date) and with good credit after the bankruptcy, and closing funds in the bank, you should be able to get a VA loan. Your lender will pull your Caivers number and if it comes up positive, you’re good. However, if it comes up negative, you cannot get a loan. The type of things that give you a bad Caivers number are foreclosures and any type of default, even student loans.
If your bankruptcy DID include a foreclosure, you will need to wait for 3 years AFTER the SALE DATE. Sometimes your house gets foreclosed on and it takes the bank 1-2 years to sell. You have to wait 3 years AFTER the date the bank actually sells the property.
I hope this information helps, as now is a great time to purchase homes, as prices are historically low AND interest rates are very low too. My recent clients got a 4% fix loan through the VA in January this year. Hopefully you can qualify for a similar loan in your area.
If you don’t know about it already, as a Veteran, you can bank with USAA and use them for VA home loans, home insurance, car insurance, etc. The have a dot.com address. Unfortunately this website does not allow me to give you full names, email addresses, phone numbers, or websites, so I’m not including any of that sort of information because I want to make sure you get this answer.

Shy Shinalt

Keller Williams Tyler

http://www.shyshinalt.com/

Tyler Homes ~ Tyler Texas Homes for sale

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Tyler Home Sales Decrease In December

By CASEY MURPHY
Business Editor

The Tyler area saw a 5.26 percent decline in home sales in December compared to the same time the year before.

There were 198 houses sold in the area last month, compared to 209 units sold in December 2010, according to figures released Thursday from the Greater Tyler Association of Realtors.

The December sales were a 4.8 percent decrease from the 208 houses sold in November.

Mary Smith, RE/MAX broker associate and chairwoman of the Greater Tyler Association of Realtor’s PR Committee, said she believes the decrease in sales could be because of the holiday season.

“I really feel that the holidays come and people do things differently,” she said.

Ms. Smith feels the bigger story is how the Tyler area finished the year.

She said nearly 5 percent more houses were sold in 2011 than in 2010. Tyler also saw a more than 6 percent increase in total dollar volumes last year than in 2010, she added.

Ms. Smith said there were tax credits in 2009 and for part of 2010. And she believes 2011 was a good year because sales in 2011 were “neck and neck” with 2009 without any incentives.

“Home buyers are coming out and exhibiting confidence,” she said.

Ms. Smith said local residents appeared confident in the interest rates, which were “pretty stable” in 2011 and were not worried about them being raised.

The Tyler area also saw a slight decrease in housing costs.

The median home price for December was $129,750, a 0.19 decrease from the median price of $130,000 the year before. Last month’s price was a 13.47 percent decline from November’s $149,950.

The Tyler area’s home inventory stood at 12 months in November, the latest month for which figures from the Real Estate Center at Texas A&M University were available.

That is down from the same time the year before when the inventory was at 13.4 months, and down from 13.3 months in September.

Home inventory is how long based on the past year’s sales rate it would take to clear out existing inventory, with no more homes introduced into the market.

Smith County saw only eight foreclosures in December, five of which were in Tyler, according to RealtyTrac.

Total home sales for Texas in November were up, according to the latest figures from Real Estate Center at Texas A&M University.

The state saw 15,004 homes sold in November, an 8.2 percent increase from the same time the year before, when 13,869 homes were sold in the state. The November totals were also a 2.69 decrease from October.

Texas median home price for November was $147,400, a 0.75 percent increase from November 2010, when it was $146,300, and a 0.61 percent increase from October.

The state’s inventory stood at 6.5 months in November, down slightly from 7.6 months the same time the year before and from 6.9 months in October.

Texas had 8,586 foreclosures in December, according to RealtyTrac

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Keller Williams Tyler

http://www.shyshinalt.com/  

Preparing walls for painting is the most difficult part of the painting process. But if you don't put the time to scrape, patch, sand and prime the walls, your finished project will show it.  So if you want beautiful, glass smooth walls and baseboards, follow these simple preparation tips.

What you'll need

• Vacuum
• Soap and water
• Bleach
• Non-ammonia detergent
• Drop cloths or newspaper
• Flashlight
• Paint scraper
• Joint compound
• Knife and wide blade
• Power palm sander or sanding block
• Solvent or spot remover
• White shellac or stain removing primer
• Primer or tinted primer
• Heat gun (if prepping baseboards)

How to Prep Your Walls:

1)Dust and vacuum all surfaces and for good measure, wash the walls down with soap and water. This is especially important in kitchens and bathrooms.  If you see evidence of mold which appears as gray-green speckles, use a solution of up to a quart of bleach to 3 quarts ammonia-free detergent. (Never mix bleach with ammonia).  Dab the solution on the area and allow to sit for about 10 minutes before rinsing thoroughly.

2)  Cover floors and furniture with newspaper or drop cloths.

3) Smooth the walls. Direct a flashlight across the walls to double check for any problems. For cracks or flaking areas, use a paint scraper until you reach a solid coat of paint beneath. If you find torn drywall, trim the torn piece with a knife and apply joint compound over the damaged area. For large bare patches, use a wide blade to apply joint compound, applying several thin coats instead of a thick coat. Once you have applied the compound and let it dry, smooth it with a palm sander or sanding block. Don't over-sand.

4. Fix surface stains with a detergent/water solution or solvent/spot remover.  If the wall is discolored, you will need to seal the area with a stain-removing primer such as white shellac which also effectively covers knots in paneling or trim and prevents resins from bleeding through.
5. Prime any repaired areas as per the manufacturer’s directions. This step will ensure paint will adhere well and will prevent future peeling. You will need to check recommendations for priming unpainted wood, which may need a different type of primer.  If you are repainting walls or ceilings, you may not need to prime first unless you are making a dramatic color change from a dark to light color, for example, or if you are trying to cover stained areas.  You will need to apply primer to any joint compound repairs to prevent an uneven appearance. Besides, a layer of tinted primer is less expensive than two coats of paint.

6. To prepare the trim, you will also need to lightly sand imperfections.  You may need to take old paint down to the raw wood by stripping, sanding, heating and/or scraping. If the paint was applied before the late 1970s, you need to test for lead before removing.

You'll need a heat gun to scrape off old baseboard paint. Keep the nozzle of the gun moving across the surface while you scrape it with a stiff scraper. A razor-edge scraper can be used to clear grooves in molding.

Shy Shinalt

Keller Williams Tyler

www.shyshinalt.com

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Keller Williams Tyler offers Five Questions to Ask Yourself Before Deciding to Buy

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Perhaps you’ve found a house, or maybe you’ve just started the house hunt, but regardless of where you are in the home-buying process,you need to consider some key questions before you even think about making an offer. Buying a home is a big commitment — financial and otherwise — so take the time to weigh pros and cons.

Here are five questions every home buyer should ask themselves:

Will I own it for at least five years?

The first and most important item you should ask yourself before you consider buying any property is whether you will own it for a long time. People buy property in hopes of increasing wealth and five years is about the break-even point for earning appreciation in value above the buying and selling transaction costs. Therefore, if you don’t plan on holding the property for longer than five years, skip it!  Renting a home is NOT necessarily throwing money away. Buying and selling quickly will usually leave you worse off financially than if you just held off on becoming a homeowner.

Do I love the home I want to buy?

One of the second most important items is do you love the property?  Real estate should be held for the long term, and loving a property should perpetuate a happy enduring ownership. So don’t buy a property if you don’t love it or at least really like or want that particular property. And don’t buy just “to buy” or if someone tells you it is a good idea. Buy what you want, when you are ready, and buy a home that you will proudly boast about to your friends over the years and years.

Can I afford it?

It  is more expensive to own a home than anyone anticipates.  Even if the mortgage lender qualifies you for a certain loan amount and property price, you need to make sure YOU can afford it. Lenders don’t generally take into account child care expenses, health care expenses, expensive lifestyles and habits, etc. So make sure that you can comfortably afford your housing payment, still pay your other bills, and still save at least a little more for retirement. Also, if you are not sure of your continued employment situation for any reason, wait until your situation is stable so you can make those mortgage payments.

Is the home in good shape?

Here’s another warning: Fixer uppers rarely sell at a big enough discount to compensate for all the work that needs to be done. The cost of construction and property rehabilitation is outrageous, and unless you are a contractor, it almost undoubtedly will cost much more than you anticipate. So leave the “needs TLC” or “fixer-uppers” to the contractors.  You want to buy something in decent shape and livable condition so you don’t get mired in rehab disaster. (Ever seen the movie “The Money Pit"?)

Do I know about the neighborhood?

Did you do adequate research, look at enough properties, learn the neighbors, and learn about property ownership before you made an offer? If you just moved into town or if you don’t know the area, rent for a while and search out the perfect community in which you would like to live within your financial means. As with any big investment, the better you educate yourself the lower your risk of something going wrong.

While there is no risk-free real estate, considering the questions above should increase your chances of having a great, long-term, property ownership experience. 

Shy Shinalt

Keller Williams Tyler

http://www.shyshinalt.com/

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Keller Williams Tyler ~ Tyler Homes For Sale

www.shyshinalt.com

9. Don’t request anything that requires quality workmanship. “Don’t ask them to paint,’’ Durham said. “They won’t do it the way you want. They’ll do a lousy job.’’ Also, don’t get carried away and ask for the entire store. Be reasonable.

Shy Shinlat

Keller Williams Tyler

http://www.shyshinalt.com/

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How to Negotiate the Best Deal

10 Ways to Negotiate Best Deal

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# 10. Make sure to look at the big picture. In changing markets you should be planning to stay for at least five years, so don’t get caught up in a $2,000 price difference. Remember, the goal is to get the house you want to live in for some time, not to impress friends with how you worked the previous owner

Remaining 9 to follow over the next 9 days!!!! 

Needing the perfect home contact me or visit my web site.   I have over 2600 homes in Tyler for sale through the MLS system.

Shy Shinalt ~ Broker/Associate
Keller Williams Tyler
http://www.shyshinalt.com/

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