How can Solar Power be FREE?

How can solar Power be free?  Well, the sun is your heating, right?
Well, the guest on the show is Brian from Clean Currents and bring your questions!
Solar hot water heaters are they less expensive?  Are there local or Federal programs to help pay for your solar energy?  
My Guest is  Brian from cleancurrents.com

Real Estate and Taxes is Today's Topic!

Real Estate and Taxes is Today's Topic!  It is that time of year again....TAX TIME.   Real Estate and Taxes go hand and hand.  There are numerous deductions for real estate properties.  Is your property an investment property?  Do you know the tax advantages of a 1O31 exchange?
The guest on the show is Lou Hutt.  Lou is a tax attorney and a CPA and an Author.  www.louhutt.com 

MISTAKES that Sellers make when trying to sell their HOUSE!

What are the MISTAKES that Sellers make when trying to sell their HOUSE?  Listen in to the show and hear all about these mistakes!  This knowledge could save you time and MONEY!  Pitfalls, mistakes and just plain stubbordness cost the seller money.

First time home buyers

First Time Home Buyers!  You are a powerful force in the real estate market!  So, get the information that will allow you to make good decisions when buying real estate. Tune in today!
How do you choose your realtor, How do you choose your lender, How do you choose your Home Inspector, How do you choose your real estate attorney?  TUNE IN!!

Divorce and Real Estate, oh my!

When a couple decides to divorce and they own a house of several homes, WHAT HAPPENS?  This radio show explains the process of how real estate is handled when a couple is divorcing.  There is the time when a property has equity in it and there is a divorce.  Thus, each party to the divorce could get part of the equity of the property.  However, what happens when there is a divorce and the property is upside down.  Thus, this becomes a short sale.  This is when real estate becomes complicated.  My guest would be an attorney who understands short sales and divorce:

Michelle J. Adams, Esq.

Managing Attorney

Law Offices of Jill P. Michaels

9 N. Adams Street

Rockville, MD 20850

(240) 425-0008 (O)
(202) 441-9960 (M)

(866) 484-3001 (F)

www.jillmichaelslaw.com

What are your Real Estate Goals for 2013?

What are your Real Estate Goals for 2013?
 Do you want to buy your first home?  Do you want to buy your first real estate investment property?  What investment strategy would you like to use to purchase real estate?  You could decided to use short sale, foreclosures, tax liens, or REO properties to be the strategy for how purchase your next property in 2013.   Each strategy needs a plan and you need to set goals.  These goals need to be measurable, thus, be specific with your goals.
Also, what are your legal and tax strategy for each property.  +Lou Hutt is a tax specialist.  Lou is a tax attorney and a CPA and my guest on the Reality of Real Estate with Jennifer Hammond. You can visit www.louhutt.com for more details on taxes and tax and legal strategies for buying your next real estate property! 

Banking Bad

IS IT POSSIBLE TO GET A LOAN MODIFICATION THROUGH SOCIAL MEDIA?  Listen to one man's experience, Dee, he is the developer of  the video Banking Bad on You Tube and he is our guest! Bloomberg has reported on Banking Bad and MSN Real Estate has reported on this issue and he is our guest Dec 15, 2012!
Go to you tube and look at the video Banking Bad and watch when a bank asked for a DEATH CERTIFICATE for a loan modification.  No one was dead!!  How terrible! What is happening in our banking industry that somehow this is acceptable behavior?

Green VS "Greenwashing"

A listener to the December 1^st show about Green Home Improvement asked about the difference between Green and “Greenwashing”.  Below, Jason Holstine of Amicus Green Building Center gives us a quick lesson on not getting faked out.

Looking out for “Greenwashing” (aka fake green) is important but also can be really tricky. I’d say the first and easiest method is to judge where you’re sourcing the product from.  The easiest route is to go right to the small green dedicated stores around the country, such as Amicus Green Building Center in Maryland; EcoHome Improvement in Berkeley; Livingreen in the LA area; Originate in Tucson; Common Ground in Durham, NC; Eco-Wise in Austin; and others around the country. These stores tend to carry products from manufacturers with long and exclusive histories also dedicated to healthier or environmentally appropriate missions and problem solving. They can make it personal and talk you through the products, choices, variables, and considerations to weigh. The big box and conventional hardware stores have enough problems selling “conventional” products straight, let alone speaking to the unique (and sometimes deep) benefits of green products.  

Also, you can do your own due diligence by searching manufacturer’s webpages—they should reflect their corporate story, shouldn’t share space with “conventional” materials. They should be transparent—offering details of the certifications and what makes them “green”.

There are a number of certification and labeling programs, each covering a different subject or constituent. Some are legitimate and sincere (and important). Leading labels:
FSC for wood products
Green Seal or Greenguard for offgassing chemicals (or lack thereof)
SCS IAQ (for excellent chemistry that doesn’t pollute air)
Non-GMO Project (primarily for foods, but starting to apply to cleaning and cosmetics)
CRI Green Label Plus (an industry label for carpets and their indoor air quality (IAQ), lack of offgassing. We consider it a minimum requirement, as there are certainly great products that go well beyond its standards

Other labels are greenwashed and watered-down in their own right.

But, one other caveat to a label. Some labels may be good for one aspect of a product but don’t overcome other weaknesses. For example, some quartz-surface countertops have Greenguard b/c they don’t offgas. That’s nice. But it doesn’t overcome the fact that quartz is mined and creates significant environmental and human health concerns from the extraction processes. We think there are other products that are as healthy for IAQ AND our land and water.

How to Find a Green Realtor

On our December 1^st show, I met with Mickie Simpson to discuss utilizing a Green Realtor in your home sale or purchase. 

Sustainable living is becoming very popular as people are becoming more educated about it these days.  Most new home purchasers are making conscious decisions about the materials that their home is built from, desiring environmentally friendly or “green” goods over those that are wasteful of our natural resources.  Going green does not only serve to promote a healthier lifestyle—it is economically savvy!

For a Realtor to gain the National Association of Realtors official “Green Designation”, they must pass courses that educate them on Green Comprehension and the science of Green Building.  Click here to find one in your area today!

They will be a great resource to you in your quest to find a home that is energy-efficient, great indoor air quality, water efficiency and more!  If you are looking for a newly built home, they know which builders specialize in green home building in your area.  Some may also be able offer advice on a green mortgage, energy raters and home inspectors who are educated in green features.

Resources:

http://www.epa.gov/greenbuilding/pubs/whybuild.htm

http://www.greenresourcecouncil.org

http://www.greenyour.com

Going Green doesn't need to cost you so much GREEN!

Amicus Green Building Center
“Sustain Your Space”
Member - USGBC, GreenAmerica, NARI, NAHB
e: jason@amicusgreen.com
w: www.amicusgreen.com
p: 301-571-8590

 
Jason Holstine  of Amicus GREEN Building Center will be one of the guests on Saturday, Dec 1 to discuss how to make your house more GREEN!
and 
Mickie Simpson who is a GREEN Realtor will be one of the guests  to discuss why you want a Green Realtor to help you buy or sell a house.

Mickie Simpson | Associate Broker, Green Realtor
TTR Sotheby's International Realty
5454 Wisconsin Avenue, Chevy Chase, MD  20815
301.967.3344   office
202.906.9865   cell
www.ttrsir.com <https://red001.mail.microsoftonline.com/owa/UrlBlockedError.aspx>

Does Bank of America want you to die to modify your home loan?

Does Bank of America want you to die to modify your home loan?

This is a film creator out of California who I will interview on Dec 15th on Reality of Real Estate Radio show on Sirius/XM! Tune in on Saturday,  Dec 15th 8am-9am!

  He has helped many people save their homes:

WATCH This video NOW:
http://www.youtube.com/watch?v=ySgpT8P5mG8&feature=plcp

How to Get a Loan Modification via SOCIAL MEDIA

HOW TO GET A LOAN MODIFICATION VIA SOCIAL MEDIA.

Is it possible to get a loan modification in this economy?
 
TUNE in on Dec 15th 8am-9am INTERVIEW with Banking Bad!
Do you think these loan modifications seem impossible and the banks are not responsive?
Well, tune in and listen to how one person has made a difference using social media to help get a loan modification.  ANYTHING IS POSSIBLE! 

check out this video:

   http://www.youtube.com/watch?v=Tkq2y4a2Dfs&feature=context-gfa

TUNE IN and listen to my interview with Carol Nerenberg, Senior Real Estate Specialist!

Carol Nerenberg, GRI, SRES

Prudential PenFed Realty

For the personalized service you deserve

202.957.5559

carol@carolnerenberg.com

Seniors have special needs. Downsizing or moving from a home they have lived in all their lives can be a very emotional process.

Are you a Senior who is ready to buy, sell, rent or relocate?

Learn more about housing issues for seniors.

There's almost always an emotional element associated with selling a long-time home. SRES^® designees are real estate agents that specialize in senior needs and can ease the transition first by talking about your reasons for selling and then exploring all the options—either modifying and staying in your current home or finding a different property—to be sure you find the very best housing solution. 

SRES^® designees use their expertise and industry knowledge to provide an honest assessment of your property and make suggestions for improving it for saleability. They may recommend hiring staging professionals who can make modifications that will best showcase your house and make it appeal to the broadest audience possible.

If you're a senior looking to sell your home, contact an SRES^® designee.

Zig Ziglar Quote

“What you get by reaching your destination is not nearly as important as what you will becoming by reaching your destination.”

-          Zig Ziglar   

Testing for Employees! Hire the Best Workers!

Testing.....Testing.....Is anyone listening?  Just joking....YES!  You are listening, of course you are listening.  Testing for potential employees for your real estate business is critical to spending less time on employee troubles and more time being productive.  So, Today on Reality Real Estate with Jennifer Hammond on Sirius/XM tune in and listen to the interview with Thomas R. Clapp Cell:202-487-9517 about how to conduct testing on potential employees.

Real Estate: HOW NOT TO BUY A MONEY PIT!

Today, Saturday, Nov 10th, Greggory Hammond will be my guest speaking on HOW NOT TO BUY A MONEY PIT! It will feature a NEW song by Greggory Hammond entitled "MONEY PIT!"  Sing along or just listen along with the Hammond brother and sister team providing story telling of the insider's knowledge of how to not buy a money pit.  Have you ever wondered whether the renovations on a house are good renovations or bad?  Have you ever wondered if it is dangerous to have a beautiful tree to close to the house?  These questions and so much more will be answered on Sirius/XM Talk Show today - Reality Real Estate with Jennifer Hammond! Tune in 8am-9am EST every Saturday morning!

Real Estate Investing 1O1

        Have you ever wondered how do I start as a real estate investor?  Well, this week on Reality Real Estate Radio Show on Sirius/XM with Jennifer Hammond,  Real Estate investing for beginners is our topic!  Seyi Ademiluyi is our guest:

Oluseyi Ademiluyi
Phoenix Design Properties, LLC

Purchases - Sales - Renovations 

Residential & Commercial Real Estate & Notes
Cell : 240 423-8990
www.phoenixdesignproperties.com
Adela Construction, Home & Investment Renovation Services
Ask me how to get 8% to 12% interest on your retirement funds or idle cash savings

The first time real estate investor has these questions:   Where do I start?  Do I invest in a single family houses or a condo?  Is it better to start real estate investing with a partner or on my own?  What books should I start reading about Real Estate investing?  How do I know when it is a good deal?  How do I build my team of experts to help me make good decisions in real estate?

Tune in on Saturday to hear the answers to these questions and MORE!

Fannie Mae / Freddie Mac Standard Short sale Guidelines effective November 1, 2012

  Fannie Mae / Freddie Mac Standard Short sale Guidelines effective November 1, 2012

Michelle J. Adams, Esq.   is an attorney that will be on the Show, Saturday, Oct 27th to discuss
these new guideline for SHORT SALES!
 

I am writing in response to what I see as a failure to give attention to one of the major pitfalls in the new short sale guidelines that were announced by Fannie Mae and Freddie Mac in August.  Every article that I have read in the media coverage of the new guidelines focuses on positive changes that are included in their announcements.  While I am in agreement that there is a lot of good news included in the changes that Fannie and Freddie have made, that does not stop me from wanting to bring attention to the one change that I believe is going to make getting short sales approved even harder – the requirement that second lenders agree to accept $6,000 from proceeds to release their liens and forgive the remaining debt.  As someone who has worked on short sales for almost 5 years, I believe that this is going to cause many homeowners to either file for bankruptcy or let their properties go to foreclosure. 

While this payment to second lenders is being touted as a positive response to the negotiating that often occurs between first and second lenders, the addition of the requirement that the second lien holder must give up their right to pursue the balance is what troubles me.  Ideally do I think that this is a good requirement?  Of course I do. The states in the DC metro area are all Recourse states.  This means that the lenders can reserve the right to pursue the borrower for any deficiency after completing a short sale.  As an attorney who negotiates with lenders, we are always trying to work with 1^st and 2^nd lenders to try and get them to waive the right and normally it takes an additional contribution at settlement to get the deficiency waived.  This new requirement on the 2^nd lenders will prohibit any contributions going to the 2^nd lenders other than the $6,000 approved by Fannie and Freddie.  While this may work with some of the second lienholders, my experience tells me that small banks, credit unions and 2^nd liens that are greater than $100,000 are not going to grant short sale approvals for a total of $6,000 (not to mention that if there are 3^rd liens, HOA liens or judgments the total to pay all of them is $6,000); effectively killing the short sale and forcing the borrower to file for bankruptcy.

Many people are already thinking through the ways that homeowners with Fannie or Freddie as a first loan can work around this new requirement. I am sure that for some borrowers who have the money to try and settle their seconds before completing the short sale, there will still be options, but for the homeowner who has no money to try and settle ahead of a short sale and a 2^nd lender that will not waive the right to pursue, short sale will no longer be an option.  I cannot say whether or not Fannie Mae or Freddie Mac were aware that this would be the outcome for many of their borrowers when the policy makers came up with this requirement, but this will be the effect – intentional or not.  My firm has already seen the first denial from a second lender that we have worked with for many years are is known to require the borrower to sign a new note for the deficiency.  Since they cannot require the borrower to sign a new note, they have declined the short sale instead.  I am sure that this is just the first of many short sales to be declined where Fannie and Freddie hold the first loan. 

As I noted above, there are a lot of good changes that were included in the new guidelines and I do not think that the entire Standard Short Sale program that they are suggesting is bad, but I want to start a dialog about this particular issue as I believe that it could have a devastating effect on the number of foreclosures in the near future.  I could be all wrong about this, but I doubt it.

 

Monesha Madison On Reality Real Estate Radio Talk Show

Monesha Madison Lever was on Reality Real Estate Radio Talk Show with Jennifer Hammond today discussing her experience as a first time buyer of real estate.  Monesha talked about the first time home buying loan program she utilized to purchase her first condo and the DC Tax abatement program.  Monesha discussed the responsibility of being a condo unit owner and then becoming a member of the condo board and the higher level of responsibilities for the entire condo building.  Then Monesha and Jennifer discussed the challenges of being a first time home seller with the restrictions of condo rules.  Furthermore, Monesha and Jennifer discussed the staging of her condo for sale.
Monesha discussed the difference of buying a condo vs a house.  There is so much to consider when buying a house. 
Monesha will return to discuss more in November.   Stay tuned to Sirius/xm every Saturday morning from 8am-9am EST to get your Reality Check on Real Estate with Jennifer Hammond

UpCOMING Guest is    ROBERT SHEMIN  for 

Reality Real Estate with Jennifer Hammond Oct 6, 2O12

     Thinking about getting into the GAME  OF REAL ESTATE INVESTING?  Wondering how to do it?  How to get Started in Real Estate?  TUNE IN SATURDAY, Oct 6th for ROBERT LIVE on Sirius/XM Radio talk Show!

Wealth advisor for both CNN, and FOX News, New York times and Wall Street Journal bestselling author with 16 titles including his mega success “How Come that Idiot’s Rich and I’m Not?” and  “7 S.E.C.R.E.T.S of the Money Masters”.  Robert Shemin is one of the nation’s most sought after real estate and financial market forecasters today.

Robert became a millionaire by the young age of 32, retiring from a successful career in investment. Instead of keeping all of his wealth building strategies to himself, he decided to share his secrets and became an Internationally-respected Wealth Creation Expert.
Consistently voted number one speaker by crowds of up to 55,000 people, Robert shares his wealth of information and enthusiasm for teaching others how to be successful.