New Real Estate TAX???

July 20th, 2010
A friend had forwarded me a news article.  Low and behold, it appears that the recently passed Obama-Care Health Bill has included a 3.8% sales tax on real estate sales.  This translates into $9,500 tax for selling a $250,000 property.  We can vote the bums out in November and demand they eliminate the bill or at the very least defund it.  Then in 2012 REPEAL it!

Vote the BUMS OUT in November! 

Please feel free to contact me with any questions.

Tony Fisher

TonyFisher@GatewayRealty.com

www.TonyFisherRealEstate.com

Home Tax Credit EXTENDED

July 2nd, 2010

The home tax credit has been extended till October 1, 2010.  See more on the story here.

Have a Happy and Safe 4th of July!

Insurance Coverage

June 22nd, 2010

My family and I had a major house fire back in November.  I will touch on what I learned about fires in future posts.  However, I’d like to provide some insight to insurance coverage we learned through the experience:

  1. Having “replacement value” coverage was key.  If we lost an item, the insurance would give it a value, then depreciate based on age and condition.  Replacing the item is what you may want to do and having that coverage was nice.  There were numerous items we replaced and having the “replacement coverage” saved us thousands of dollars.
  2. Having the “code upgrade/compliance” was also critical.  We had damage in the kitchen and the current code requires fluorescent or LED lighting.  There were numerous other items the City required during our repairs.  This was about $8,000 of additional costs that we were covered for.  The upgrade costs to meet these City requirements was included in our coverage, thankfully!
  3. Dealing with experienced contractors and insurance agents/brokers was also helpful.  Our Insurance was through Gateway Insurance and Custom Restoration performed the work.  Both of which helped us through the difficult times and helped us rebuild is a timely and cost effective manner.

Please feel free to contact me with any questions or comments.

Tony Fisher

c.  707-344-2799

TonyFisher@GatewayRealty.com

www.TonyFisherRealEsate.com

Credit Card Fraud

November 3rd, 2009

My credit card company called me last month and inquired about some charges.  One of them happened to be a $1.00 charge from iTunes.  I could confirm the other 8+ charges they asked about, but that $1.00 charge I could not confirm. 

Last week I was speaking to a few people and told them what had happened.  Interestingly, friends of theirs had experienced the same issue.  What we determined was that these crooks are checking various card numbers with small purchases and at stores like iTunes that the majority of people (dad, mom, kids) purchase from.  Most people would not question a $1.00 charge for their children but who’s to say it was actually their child that made the purchase????

BE CAREFULL, especially with the holidays upon us!

Tony Fisher

Real Estate Consultant

c.  707-344-2799

TonyFisher@GatewayRealty.com

www.TonyFisherRealEstate.com


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Banks and Foreclosures

August 31st, 2009

I have heard many people talking of the banks withholding properties from the market for various reasons.  Although the banks have gone through a severe re-structuring and reduction in staffing, their workload has increased dramatically. 

My personal thought is that the businesses are operating at their “best”.  Looking back on the market in general, the housing market started self-correction in ‘05/’06 and adjusted quickly over the next 3 years.  VERY small in the grand scheme of time.

Here was an interesting article at CNBC “What Banks Are Really Doing with Foreclosures“.  The article suggests that this trend will continue.  In my opinion, the following will be the key issues moving forward for the banks:

  1. The banks are operating with a smaller staff than previously.
  2. The volume of foreclosures and loan modifications has increased without a corresponding increase in support staff.
  3. Volume is projected to continue to rise.

Finally, for the time it takes for a bank to foreclose on a home, the current trend seems to indicate that the market is still self correcting.

Please feel free to contact me with any questions or comments.

Best regards,

TF

www.TonyFisherRealEstate.com

TonyFisher@GatewayRealty.com


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CAR Sales Trends

July 27th, 2009

Sixty-eight percent of buyers said price decreases motivated them to buy a home, while 39 percent reported low interest rates helped them move to a better location.  Twenty-three percent claimed the likelihood that rates will move up as the motivating factor.


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Vacaville Suspending FIRST-TIME Homebuyers Loan Program

July 22nd, 2009

The newly announced budget proposals from the State include measures to take funding from cities and redevelopment agencies across California.  Therefore, in anticipation of the takeaways, the Vacaville Housing and Redevelopment Department of the City of Vacaville is suspending its First-Time Homebuyer Down Payment Assistance Loan Program until further notice.

The program had started July 1 of this year.  The loan program funding for Fiscal Year 2009-2010 was $500,000, which was expected to fund between 33-35 loans. Four applications that are already being processed will be completed, but no new applications will be accepted.

The current state budget proposal calls for a total of $1.7 billion in cuts to Housing and Redevelopment agencies in California, with $1.3 billion in fiscal Year 2009-2010 and another $350 million in 2010-2011.

For more information, contact the Housing and Redevelopment Department at 449-5675.


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Media Bias & Market Correction???

June 30th, 2009

     The last couple years of the real estate market has been a correction which was long over due.  Many people have asked “What got it started”.  I found an interesting article from the NY Times where the Clinton Administration pressured Fannie Mae to expand mortgages to “less than income and credit worthy” individuals.  In my opinion, this was the start of the issue as people tried to match the previous run in technology stocks.  Unfortunately, their fate was the same:  CRASH….

     A recent article found on CNBC  indicates that the Bush administration fueled the housing market crash.  Having been there, there was more of a frenzy on all participants in the early 2000’s to “get rich quick”.  My heartburn with the media spin is that it started with the previous Clinton administration.  Not to mention, the current administration handing out BILLIONS of dollars at the tax payer’s expense to correct “poor” decisions and policies.

     The media has elected to not place blame on those who truly fueled the fire in my opinion.  Furthermore, they have overlooked the fact that the market is robust in the sense that it has made a great self correction within a relative short period of time, excluding all the “FREE” money the banks have received.  The market is certainly not fixed but is starting to show signs of stability; demand seems to be higher than the current inventory, price decline rates and slowing and consumer confidence appears to be strengthening.

     Only time will tell if all the money pumped in (that you and I, or our children will pay for) will make a difference.  Regardless of that, the Bay Area housing market remain robust with remarkably low interest rates!

Please feel free to contact me with any questions or comments.

Tony Fisher

www.TonyFisherRealEstate.com

TonyFisher@GatewayRealty.com


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Market Rally?

May 27th, 2009

I found an interesting article on CNBC, talking about

Southland home sales up, prices down; foreclosures now half the market

May 27th, 2009

http://www.dqnews.com/News/California/Southern-CA/RRSCA081020.aspx


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