I've had several calls from investor buyers recently asking about the rate of foreclosures in the Gainesville Area. Recently, there has been a report from CoreLogic that provides data for this display. This table shows the percentage of Foreclosures in the Gainesville, FL area in comparison to Florida statewide and entire US. The time-span for comparison is from January 1st through September 30th of each year. You will see that the Gainesville area's foreclosure rate is well BELOW the statewide rate of Florida, yet higher than the National rate. This next chart shows the rate for Mortgage Delinquency Rates (Delinquent for at least 90 Days).   This also shows a positive outlook on the mortgage delinquency rate for the Gainesville area.  Gainesville's rate is lower than Florida's statewid... 12/17/2012

We haven't had much winter weather here in Gainesville Florida, (yet) but we did have a hard frost last month so everything in my yard is brown and dreary - except for all of my mature Camellias.   The gingers are frazzled from the frost.  The crepe myrtles are almost naked.  The acorn crop is huge this winter and the squirrels are happy as can be.   All of the camellias are just busting out and showing their Holiday spirit. 12/11/2012

Tis the season to be GIVING.  Gainesville is a Great Place to Live, Work and Play!  And we've got so many family traditions to enjoy.  Our calendars get full too, not to mention all the shopping we will be doing.   I wanted to bring your attention to a local event going on now in the Gainesville area.  The "DAYS OF GIVING" is a wonderful holiday event and is going on now & runs through December 19th - Benefiting our local Boys & Girls Club of Alachua County. Please put this on your To-Do List for Christmas Shopping. Please stop by and drop off an unopened, new toy. SANTA and his Elves need some help to make sure there are enough toys for all the good kids at our local Boys & Girls Club. Drop your donation off at the Boys & Girls Club administrative offices located at 2700 NW 51st Street... 12/11/2012

Gainesville Florida Single Family Homes Sold Market Report – November 2012. Here are the statistics for Gainesville Florida single family homes real estate market for the September, October and November 2012. This chart below shows you the number of CLOSED SALES for the months of  September 2012,  October 2012 and November 2012.   Also the relationship of days on the average market (DOM) , and the current PENDING SALES. This chart below provides a graph as the number of ACTIVE LISTINGS in the Gainesville Florida Multiple Listing Service for this same three month period.  The month of November shows the total active listings are down a bit.   Pending Sales increased for the month of November which reflects buyers that are wanting to be in a new home by the holiday season. The number of c... 12/09/2012

Here is the Gainesville Fl Condominium Market Report  for November 2012 that shows (3) Month Statistics on the Gainesville Florida Condominium & Townhouse Market.   These charts reflects the September, October and November  2012 data of units sold.  This data is compiled from the Gainesville Multiple Listing Service. This first chart below shows the total number of active listings in the MLS and how that compares to the number of pending sales, and the closed sales for each month.   You will see that our inventory of active listings has inched DOWN a bit in November.  The number of closed sales are lower this month, and pending sales have a sharp increase for November.  These changes reflect the slowing of closed sales, yet the sharp increase of pending sales is proof that the market is... 12/07/2012

It's a Holiday tradition in Gainesville FL !   The Annual Pond Lighting of the Duckpond at North Florida Regional Medical Center.   This year with be the 23rd Annual event. *Photo Courtesy of NFRMC Facebook Page The employees, volunteers and family members of NFRMC  are the dedicated Pond Lighting Team.  Each year they want you to join them for the annual lighting of the Duck Pond at North Florida Regional Medical Center. It's a fantastic family event, and once all the beautiful lights come on, it's a great way to feel the Holiday Spirit in Gainesville!   There will be plenty of Santa's helpers walking around too.  Look for the Reindeer that will be handing out candy canes, and Frosty the Snowman will be there too.  I've heard that you will find the Grinch there too. You will find plent... 12/04/2012

In achieving energy efficiency and accomplishing higher utilization of renewable/alternative energies under the guidelines set forth in the Energy Policy Act of 2005 the public utilities have a mandate to assist the public being served. Our Federal Government is doing what it is supposed to be doing for the advancement of the greater good with regard to SUSTAINABILITY. Louisville Gas & Electric and Kentucky Utilities (LG&E and KU), headquartered in Louisville, Kentucky, is the first utility company in the United States to utilize the RESNET EnergySmart Program. The company, which owns and operates Louisville Gas and Electric Company and Kentucky Utilities Company, entered into an agreement with RESNET to educate consumers about the benefits of energy efficient homes by marketing the ho... 11/29/2012

Gainesville Short Sale! 516 NW 34th Overview Maps Photos Features Video $89,000 Single Family Home Main Features 3 Bedrooms2 BathroomsInterior: 1,408 sqft Location 516 NW 34th StGainesville, FL 32607USA To get updates on open home dates and other property events, please click the "Like" button below: Stephanie Ann Anson Anson Properties LLC(352) 260-0153sasjrussell@gmail.comhttp://www.floridahomesalesearch.com          Listed by: Anson Properties LLC Our recent listings Gainesville Short Sale! 516 NW 34thGainesville Short Sale - 5500 SW 17th CourtGainesville Short Sale-6736 SW 45th AvenueGainesville Short Sale - 7675 SW 88th DriveGreat Investment Property in Gainesville - 1635 SE 13 Pl Subscribe to our listing feed Nearby properties for sale 11/29/2012

FTC and CFPB sent warning letters regarding Mortgage Ads Some Gainesville short sale agents, real estate agents, and homebuilders have received a letter from federal regulators advising them that their mortgage advertisements found on websites, social media networking sites, direct mailers, and written papers like magazines and newspapers may be misleading. Federal Trade Commission(FTC) mentioned that they mailed letters to an almost 2 dozen companies in coordination with the Consumer Financial Protection Bureau(CFPB) which also sent warning letters to other companies. From extensive sources all over the media, about 800 ads were reviewed and have revealed that could mislead consumers because of its disturbing claims. The ads reviewed have pose violations of the Mortgage Acts and Practi... 11/29/2012

Fannie and Freddie Mac delegation agreement starts this month Just last November 1, Fannie Mae and Freddie Macgave a go signal to nine private loan servicers for them to grant short sales without having to get another review for troubled borrowers. This is done because it has a huge possibility to lessen costs, interruptions, and doubt. This allocation agreement will allow loan insurers to grant any short sale It has been known that these nine loan insurers to have agreed to advance short sales are as follow: • United Guaranty Corp • Genworth Mortgage Insurance Corp., • CMG Mortgage Insurance Co. • Triad Guaranty Insurance Corp. • PMI Mortgage Insurance Co. • Radian Guaranty Inc. • Essent Guaranty Inc. • Republic Mortgage Insurance Co. • Mortgage Guaranty Insurance Corp. For borrowers w... 11/11/2012

Efficient Short-sale Guidelines kept Gainesville Short Sale Agents Happy Short sales are rising this year and it will eventually rise because of federal regulators who manage Fannie Mac and Freddie Mac that made paperwork more efficient and offered an option to second-lien holders up to $6,000 to accelerate the process of short sale as announced by Federal Housing Finance Agency months ago. Fannie Mae and Freddie Macwill not even require records from borrowers who have missed paying loans; have small credit scores, or those who are struggling financially. Of course, there are borrowers who pay up-to-date. These people will be given more time to process their short sale and also those who are facing difficulties like divorce, employment layoff, death in the family, disability, and others... 11/05/2012

IRS gives leeway to Taxpayers victimized by Hurricane Sandy Hurricane Sandy left a lot of work for American households. The last thing that you want to worry is being able to file IRS taxand make payments ahead of deadline. Good news is that IRS understands what most of the people from the East Coast are going through and they are willing to help. For federally declared disaster, IRSmay reschedule various tax deadlines for taxpayers who are living near the affected area by as much as one year. This applies to: A. an individual whose primary residence is situated in the disaster area; B. any business entity wherein the location of the business place is a covered disaster area; C. taxpayers who are not in the disaster area but will have to meet an IRS deadline in the area; D. a relief wor... 11/05/2012

Discrimination against African-American homeowners brought suits to Morgan Stanley Morgan Stanley, an investment bank, received a lawsuit from American Civil Liberties Union(ACLU)regarding the discrimination it had done against African-American borrowers by offering incentives to lenders so that mortgages proves costly and risky but profit from buying and guaranteeing loans. According to ACLU, the complaint against Morgan Stanley is first class-action lawsuit in order to associate discrimination to the securitization of mortgage-backed assurances. It’s just ironic because the suit is against Morgan Stanleynot against the subprime lenders wherein the loan originates. Since it is class-action status, it stands for 6,000 African-American homeowners in Detroit urban area. On behalf of 5 Det... 11/05/2012

High Achievers in FICO credit scores Several potential homebuyers got frustrated because the standard for mortgage lendinghas become tougher, however most admired credit scores nowadays exposed some conducts of high-fliers that possessed FICO scores over 785. San Jose, Calif-based Fair Isaac Corp.mentioned that people who occupy this population are about 50 million, a total of about a quarter of all who have credit scores. These individuals are believed to be high achievers and have comparable credit behaviors in spite of different background. Some predictable credit behavior is that they don’t exploit the use of their credit cards, kept little rotating balances comparable to what their presented credit, and are consistent about paying. On the other hand, they are not debt-free. They us... 11/05/2012

How to make buyers want to buy Gainesville Short Sale HomesWith the recovering market nowadays, you get different kind of buyers. My role as Gainesville real estate agent, specializing in short sale, has done with finding deals that are so good that the buyers can’t resist. One of the goals in the real estate market is to make them feel that it is a great loss if they will not purchase a certain listing. Your buyers should feel afraid of losing the house to other buyers if they do not purchase it right away; to be able to make the buyer really like the house and creating this desire to buy. Before scheduling the house to the prospect buyers, it is important to cultivate mutual trust and know what their needs are, put their lifestyle in mind. On the showing day, you must surprise them by... 11/05/2012

Amount of Home Loans Increased as Rates Slides Downward According to Freddie Mac and the Mortgage Bankers Association, there has been an increasing request for loans as rates flow downward. Freddie Mac released a result of the latest Primary Mortgage Market Survey; it showed an average of 3.40% on rates of 30-year fixed-rate loans when September closed, much lower than the 3.49% recorded for third week of September, and a 4.01% one year before. Last time Freddie Mac recorded a rate this low was way back year 1971. For 15-year fixed-rate loans, rates downed to 2.73% from 2.77% on the third week, and a 3.28% a year ago. This rate can equate to the value that was recorded last 1991. Five-year ARM loans hit an average of 2.71% from 2.76% on the third week of September, and a 3.02% as record... 10/28/2012

  This is the best Florida Real Estate Exam Prep Audio CD and Interactive CD ROM you will find for sales Associates in Gainesville, FL.  If you are looking for a Gainesville Florida Real Estate School with a Exam Prep Course, these great audio CD's and CD ROM will help you pass your Gainesville, FL Real Estate Exam. Windows CD-ROM ....Pre Sales Associate Interactive Questions and Answers to Help You Pass Your Sales Associate Exam Edward O'Donnell developed this WONDERFUL review tool for the sales associate. This is a new version from the ground up, based on customer and student feedback. It is designed specifically to help you pass the Florida real estate exam such as the multiple choice exam administered by Promissor. Review course material on your PC as you complete various sections o... 10/26/2012

Everyone can be overwhelmed by "national" statistics regarding the real estate market.   I admit that I follow the National stats and the Florida statewide stats.  But, I am a FIRM believer that the real estate market is LOCAL issue. I've done monthly reports for the Gainesville FL Real Estate Market.   And monthly reports can be boring, but do provide what's happening here in our local Board of Realtors/MLS for the Gainesville-Alachua County Area. It's hard to COMPARE different areas & cities within Florida, much less be able to compare with other Metro areas across the USA. Some Florida areas are seeing a shortage of Inventory of Homes for Sale Some Florida areas are seeing market values rising Some Florida areas are seeing a market shift to a more balanced market between Sellers & Bu... 10/10/2012

As a Realtor® member of the Gainesville Alachua County Association of Realtors it is my pleasure to pass along an exceptionally well done market analysis for the Gainesville Florida (Alachua County) real estate market. See the Report HERE All Real Estate is LocalConsult a Local Professional If you have any questions and are interested in answers, feel free to contact me. 10/09/2012

Defending your Gainesville Home against Foreclosure Each state is governed by different foreclosure laws and procedures; it is advisable to have an attorney to help you with your decision regarding foreclosing your home. In Gainesville,Florida, buying a property means owning the deed of the house by a statutory warranty deed. This deed is very important; keep it at all times and must be with you when you decided to close your home and began doing the paperwork. With this, this makes Florida a deed state. The course of foreclosure process involves court procedures. As a homeowner, you have the right to represent and defend yourself versus a foreclosure. The lender cannot just foreclose your property, it is a must for the lender to go to the court, find an attorney for you to hand in the ... 10/03/2012