South & Southwest Austin: Tanglewood Forest *Fresh* Market Snapshot 8 28 2008

8 homes for sale  

  • Average asking price = $168,612
  • Average square footage = 1551

2 homes currently under contract 

  • Average asking price = $172,200
  • Average square footage = 1512

Homes SOLD in last 30 days 6 homes 

  • Average sales price = $162,667
  • Average square footage = 1388
  • Average days on market = 13

Check back daily for your favorite South & Southwest Austin Neighborhood Real Estate Market Snapshot!

Posted by Tim Tole, Southwest Austin Realtor®Keller Williams Realtors in Austin, Texas. Specializing in residential and investment properties in south and southwest Austin. Email Tim at tim@timtole.com, and ask for a free weekly list of the top ten best buys in South and Southwest Austin, 512-297-8534.

Search Tanglewood Forest homes and the Austin area MLS for your new home today!

South & Southwest Austin: Sendera Homes Market Snapshot 8 26 2008

 14 homes for sale  

  • Average asking price = $239,307
  • Average square footage = 1953

 7 homes currently under contract 

  • Average asking price = $237,355
  • Average square footage = 1923

 Homes SOLD in last 30 days 6 homes 

  • Average sales price = $226,875
  • Average square footage = 1957
  • Average days on market = 52

 Check back daily for your favorite South & Southwest Austin Neighborhood Real Estate Market Snapshot!

Posted by Tim Tole, Southwest Austin Realtor®, Keller Williams Realtors in Austin, Texas. Specializing in residential and investment properties in south and southwest Austin. Email Tim at tim@timtole.com, or call for a free list of the Top 10 Best Home Buys in Southwest Austin, 512-297-8534.

Search Homes in Sendera Place and Sendera Glen in the Austin area MLS now!

South & Southwest Austin: Tanglewood Forest *Fresh* Market Snapshot 8 26 2008

10 homes for sale  

  • Average asking price = $174,273
  • Average square footage = 1604

 2 homes currently under contract 

  • Average asking price = $169,500
  • Average square footage = 1448.5

 Homes SOLD in last 30 days 7 homes 

  • Average sales price = $158,714
  • Average square footage = 1381
  • Average days on market = 14

Check back daily for your favorite South & Southwest Austin Neighborhood Real Estate Market Snapshot! 

Posted by Tim Tole, South & Southwest Austin Realtor®Keller Williams Realtors in Austin, Texas. Specializing in residential and investment properties in south and southwest Austin. Email Tim at tim@timtole.com, or call for a free list of the TOP 10 Best Buys in South & Southwest Austin, 512-297-8534.

 

Search Southwest Austin homes and the Austin MLS for your new home now!

Family loans remain a solid down payment option

David Reed

Visit Reed’s Website

 

 

 

The Federal Housing Administration (FHA) recently altered its guidelines as a result of the Economic and Housing Recovery Act of 2008. One significant change was the elimination of the seller-funded down payment assistance program. Often used by builders through non-profit organizations such as Nehemiah and Ameridream, this program enabled the seller of a property (either an individual or a builder) to “donate” an amount equal to the funds needed by a buyer for a down payment on a home when securing FHA financing.

As of Oct. 1 of this year, the FHA will no longer allow seller assisted down payments. Not only that, but the FHA actually increased the down payment requirement from 3 percent to 3.5 percent—a setback for those who want an FHA loan and are already having problems saving enough money to close on a home.

Fortunately, there is another financing option that can bring these folks a little closer to home: family loans. This feature is unique to  FHA. And while it‘s not permissible for buyers to borrow the down payment from individuals when securing any other type of mortgage, FHA’s guidelines allow buyers to borrow from family members. But to obtain a family loan, borrowers must keep some specific requirements in mind: 

  • The family member making the loan can be a parent, grandparent, son, daughter, stepson or stepdaughter, or a legally adopted child or foster child.
  • The term of the loan cannot be less than five years.
  • The FHA loan and family loan combined cannot be greater than 100 percent of the value of the home.
  • The scheduled loan payments, if any,must be factored into the buyer’s debt ratios.
  • Funds cannot be directly or indirectly associated with the seller, or anyone in the transaction who has a financial interest in the sale.

Now let’s combine the family loan with another advantage afforded by the Housing and Recovery Act of 2008: the $7,500 tax credit. If Grandpa is a likely candidate to supply a family loan, then he might want to know how he would get paid back. If the buyers are first timers and qualify for the tax credit, then Grandpa could get repaid come tax time.

Remember that lenders will want to verify the source of all funds to close the transaction, so be prepared to provide a copy of the loan agreement that spells out the terms and verifies that Grandpa has sufficient funds available to make the loan.

Sometimes when a window closes, another one opens, So while the recent Housing Recovery Act of 2008 has put the squeeze on the seller-funded down payment assistance program, a family loan can provide another avenue to closing on a home.

Written by David Reed, Texas-based mortgage banker with more than 20 years experience

and author of Mortgages 101 and Mortgage Confidential.

Have a question? Contact David Reed.

Posted by Tim Tole, South & Southwest Austin Realtor®, Keller Williams Realtors Austin, Texas. Call for a free market evaluation of what your home might sell for,               512-297-8534        or email tim@timtole.com for a list of the top ten best home buys in South and Southwest Austin.

 

Southwest Austin: Oak Creek Park Market Snapshot 8 22 2008

5 homes for sale  

  • Average asking price = $273,430
  • Average square footage = 2806

3 homes currently under contract 

  • Average asking price = $294,932
  • Square footage = 3232

Homes SOLD in last 30 days 2 homes 

  • Average sales price = $287,450
  • Average square footage = 2598
  • Average days on market = 72

Stay informed with your Southwest Austin: Oak Creek Park Real Estate Market Snapshot!

Posted by Tim Tole, South & Southwest Austin Realtor®, Keller Williams Realtors in Austin, Texas. Call for a free home evaluation 512-297-8534. 

Come search the Austin area MLS for your new home!

MLS Data compiled by Tim Tole

South Austin: Castlewood Forest Market Snapshot 8 22 2008

3 homes for sale  

  • Average asking price = $258,933
  • Average square footage = 2026

1 home currently under contract 

  • Asking price = $339,900
  • Square footage = 2950

Homes SOLD in last 30 days

2 homes 

  • Average sales price = $231,250
  • Average square footage = 1984
  • Average days on market = 54

Check back daily to stay informed with your South Austin: Castlewood Forest Real Estate Market Snapshot!

Posted by Tim Tole, South & Southwest Austin Realtor®, Keller Williams Realtors Austin, Texas. Call for a free market evaluation of what your home might sell for, 512-297-8534 or email tim@timtole.com for a list of the top ten best buys in South and Southwest Austin.

Come search the Austin area MLS for your new home! 

MLS Data compiled by Tim Tole

South & Southwest Austin: Tanglewood Forest Market Snapshot 8 22 2008

10 homes for sale  

  • Average asking price = $174,273
  • Average square footage = 1604

2 homes currently under contract 

  • Average asking price = $169,500
  • Average square footage = 1448.5

Homes SOLD in last 30 days 8 homes 

  • Average sales price = $161,312.5
  • Average square footage = 1416.6
  • Average days on market = 13

Check back daily for your South & Southwest Austin: Tanglewood Forest Real Estate Market Snapshot!

Posted by Tim Tole, Southwest Austin Realtor® with Keller Williams Realtors in Austin, Texas. Specializing in residential and investment properties in south and southwest Austin. Email Tim at tim@timtole.com, or call for a free home valuation 512-297-8534.

Search Tanglewood Forest homes and the Austin area MLS for your new home today!

If you are thinking about buying a new home, but want to wait for prices to go down, here’s a point or two to ponder.

  • A 1% increase in interest rate (for example, from 6 to 7) will offset $10,000 in price.

Interest rates could go up. No one can predict the market, but waiting can cost you in other ways too.

If you currently own your own home, another factor you might want to consider is that if the prices of other homes are slipping, your homes value will be also. No home is an island.  Isn’t that how the old saying went…man/home…what’s the difference?  We talk about the real estate market in terms of ‘market’ because it is just that; a super ‘market’ for homes.  The market price is determined by what qualified buyers are willing and able to pay.  If the prices of all the other homes in your area are falling, you can be sure yours is falling right along with them, as is the equity in your home.

The converse is also true, when the other home prices are rising, you are probably going to reap more from the sale of your home, and as values rise, your equity in your home rises.  If you can time these shifts between up and down, you can cash in.  The stalls and declines begin first in the higher end homes and trickle down to a point.  Try selling at the peak interest point for your home’s particular value range, and buying up into a stalled or declining price range, and get more bang for your bucks.  When those values rebound, your investment really takes off.

Posted by Tim Tole, Your South & Southwest Austin Realtor® and real estate resource, with Keller Williams Realtors in Austin, Texas. Email Tim @ Tim@timtole.com or call 512-297-8534.

I get this question all the time.  A home seller asks, ‘Does it really hurt to try it out a few thousand dollars higher?  We can always come down later, and we need room to negotiate’.

Ouch!  Does it ever hurt.  It hurts on several levels, most of which end up affecting your bottom line.  First, you are taking a chance on making your home ‘invisible’ to the potential perfect buyer.  Think about it.  One of the first criteria you would search by in a given area, or have your Realtor® search for you by is…drum roll please…a price range.  If your ‘test’ price is outside of that range, you won’t even show up on the buyer’s radar as being for sale.  There are plenty of other homes in the price range to put on their list and go to see.  They don’t see, they don’t buy.  Guaranteed.

 Second, you are helping sell the competition.  What?  When you do get a showing, it will be to make the other house down the street appear an even better deal compared to your overpriced home.  There is enough competition in the Austin market already.  Look at it this way – if you went to see two houses, both as similar as can be, similar floor plan, similar curb appeal, similar condition, and one is $10,000 more than the other?  Is there a secret basement?  Do they have the titanium galvanized vulcanized nails?  No.  So why?  This is a test that results in a failing grade every time.  It’s just not sane to help sell the neighbor’s house, is it?  As an extra bonus, your willing-to-list-an-overpriced-home agent is getting lots of calls and appointments from his pretty sign in your front yard.  His new appointments won’t buy your home, because it’s not priced in the market, but they will buy something else from your agent.  That’s the dirty little secret about agents who take overpriced listings as a way of making a living.  Not good.

And third, you will inevitably take less down the road when it does eventually sell, or you might watch your listing and your plans expire in exasperation without a buyer.  Experience shows us that a) after 10-12 showings you should get an offer on your home and b) the first 30 days of a listing are the most crucial, the most active with regard to showings and interest.  It’s NEW on the market, it’s EXCITING and agents want to show their clients the newest and the best homes that pop up.  As time goes by, your showings drop off and stop.  You are competing with the NEW on market homes every day that tick tocks by.  Every week that passes sees your resolve wither; you don’t feel like leaving the classical music playing for showings anymore, if you have any…you don’t feel like tidying up every day for no-one to come by and see your home, so you stop…when a buyer does come through, your home is a little dusty has lost the initial pizzazz and seems ‘stale’ compared to the NEW listings, with the piles of agent cards in the entryway from the showing they got and you didn’t.

When you finally get an offer, you take it.  You are weary of the battle.  It’s not what you wanted.  It’s lower than you said you would ever ever accept.  Worse yet, no offer comes and your listing expires, you are no longer even for sale, just wishing you had done something differently. But what? Now you know.

Let’s recap the top three reasons NOT to ‘test’ the home market at YOUR price: 

  1. Won’t show in searches for appropriate buyers
  2. Helping sell the competition
  3. Sell for less, or not at all

Those are pretty powerful reasons.  Don’t do it.  Yes you can always take less down the road.  In fact, it’s a guarantee.  Fight the temptation, listen to your Realtor who wants to price your home IN the market to get maximum showings and exposure and MULTIPLE offers to create urgency and competition FOR your home and to get you the highest price possible.  And that’s what you want, isn’t it? 

Posted by Tim Tole, South & Southwest Austin Realtor®. Specializing in listing and selling residential and investment properties. 512-297-8534 

Help has arrived: U.S. Congress comes through with relief

David Reed

Author of:

 

 

The Housing and Economic Recovery Act of 2008, the most sweeping housing legislation since the Depression era, was passed by the U.S. Senate and House of Representatives at the end of last month and was signed into law by President Bush. The new law addresses various aspects of the housing downturn, including assistance for homeowners who are behind on their mortgages, federal oversight of Fannie Mae and Freddie Mac, and funding for cities to buy and fix up foreclosed properties. Many of the provisions of the new law go into effect October 1, 2008 but for first-time home buyers who bought, or will buy, their home between April 9th of this year and July 1, 2009, there’s an immediate bonus — a tax credit of up to 10 percent of the sales price, up to $7,500.  Note that this is a tax credit, not a tax deduction. A deduction is an item that is subtracted from your annual income before income taxes are calculated. A tax credit is subtracted from the amount of taxes you owe. 

“First-time home buyer” is specifically defined in the new law, and includes those who may have owned a home in the past, but not within the last three years.  To qualify, be prepared to show your last three years’ worth of income tax returns to prove that you did not pay mortgage interest during that period. There are also income limitations on the tax credit - $75,000 per year if you’re single and $150,000 if filing a joint return to qualify for the full credit, but the credit does phase out beyond those amounts up to $95,000 for singles and $170,000 for joint filers.

By the way, the tax credit isn’t a gift - you have to pay it back.  Nevertheless, it provides an initial reprieve, as repayment doesn’t begin until two years after purchase, and is payable over a 15 year period. If you sell the property before the tax credit has been fully repaid, any remaining amounts owed are due to the IRS upon closing.

Applying for the tax credit isn’t mandatory, but for many, it will make home ownership feasible in the coming year — and that’s exactly what the tax credit is intended to accomplish.

Written by David Reed, Texas-based mortgage banker with more than 20 years experience

and author of Mortgages 101 and Mortgage Confidential.

Have a question? Contact David Reed.

Posted by Tim Tole, Southwest Austin Real Estate agent with the Tole Group, Keller Williams Realtors in Austin, TX.  The Tole group is part of the Number One Real Estate Office in North America, and its right here in Austin. Specializing in Southwest Austin Residential and Investment Properties. 512-297-8534       

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