Americans still want to own a home

Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins" http://www.rickswift.com/  239-357-1844

Americans still want to own a home


WASHINGTON – Dec. 10, 2010 – A new study released by Fannie Mae finds that most Americans – both those who currently own their homes and those who rent – strongly aspire to own a home and to maintain homeownership, despite ongoing turmoil in the housing market. However, demographic trends, such as fewer married couples and less families with children resulting in shrinking households – combined with financial caution among consumers –contribute to an increased willingness to rent.
The Fannie Mae 2010 Own-Rent Analysis is based on extensive primary research with homeowners and renters, including focus groups and a quantitative survey. It incorporates U.S. Census Bureau data, micro- and macro-economic parameters, and explores the factors influencing consumers’ decisions to buy or rent a home. The latest release highlights two of four major themes of the analysis in reports titled, Persistence of the Homeownership Aspiration and Housing Choices Throughout the Lifecycle and the Impact of Changing Demographics.
http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=251407&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

Why do Americans want a smaller home in the suburbs

Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins" http://www.rickswift.com/  239-357-1844 CALL ME FOR THE HOUSE YOU WANT

More Americans want a smaller home in the suburbs


NEW YORK – Dec. 6, 2010 – McMansions are rapidly becoming the housing equivalent of harvest gold appliances as more Americans opt for smaller residential footprints, according to a consumer lifestyle survey.
In the Relocation.com lifestyle survey, homeowners and buyers were asked to weigh in on what they considered the ideal home size. Forty-eight percent of the respondents indicated that their ideal home size would range from 1,000 to 1,999 square feet, while 29 percent prefer homes that are 2,000 to 2,999 square feet. By comparison, five years ago, according to NAHB (National Association of Homebuilders) the average home’s square footage was 2,400 square feet, nearly 400 square feet bigger than what many homebuyers desire today.

http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=251085&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

Homeowners insurance: four tips to keeping costs down

Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins" http://www.rickswift.com/  239-357-1844

ST. LOUIS – Dec. 2, 2010 – In today’s economic climate, people want to save money wherever they can. Here are four ways to reduce homeowners insurance rates compiled by HomeownersInsurance.net.

1. Shop around. Some insurance companies have raised house insurance costs to recoup losses from the financial crisis. Others are competing for new customers by offering lower rates. By shopping around, people can find better deals on homeowners insurance.
2. Re-evaluate coverage amounts. Many policies have inflation protection provisions, which automatically increase coverage amounts. This was a good item in the years leading up to the crash, but today they should be looked at more closely.
3. Check personal credit reports. Homeowners insurance companies check credit history before figuring rates, similar to how lenders do. This is done to help them assess the risk of payment and likely individual responsibility.
4. Avoid small claims that can become expensive. Homeowners should have the highest deductible they can comfortably afford and repair minor items out of pocket rather than filing a claim. Filing a claim for every broken window or leaky pipe can increase premiums by 10-15 percent.



Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins" http://www.rickswift.com/  239-357-1844

http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=250920&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

Consumer Confidence increases again

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins" http://www.rickswift.com/  239-357-1844

Consumer Confidence increases again


NEW YORK – Nov. 30, 2010 – The Conference Board Consumer Confidence Index, which had improved in October, increased even more in November. The Index now stands at 54.1, up from 49.9 in October. The Present Situation Index that measures current attitudes about the economy rose to 24.0 from 23.5. The Expectations Index that measures attitudes about the future increased to 74.2 from 67.5 last month.

http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=250810&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

New fed initiatives to help foreclosures

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins" http://www.rickswift.com/  239-357-1844

New fed initiatives to help foreclosures


WASHINGTON – Nov. 22, 2010 – The Department of Justice’s Access to Justice Initiative and Vice President Joe Biden announced a series of steps on Friday that the government will take to help middle class and low-income families secure their legal rights in a foreclosure. Those steps includes strengthening of foreclosure mediation programs, helping veterans secure the legal help they need, and making it easier for workers to find a qualified attorney when they believe their rights have been violated.
The announcement is the culmination of work between the Department of Justice’s (DOJ) Access to Justice Initiative and federal agencies like the Department of Labor (DOL), the Department of Housing and Urban Development (HUD), and the Department of Veterans Affairs (VA), and others.

http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=250564&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

Fannie Mae: Hopeful signs emerge in consumer spending and employment

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins" http://www.rickswift.com/  239-357-1844

Fannie Mae: Hopeful signs emerge in consumer spending and employment


WASHINGTON – Nov. 19, 2010 – Improving financial conditions and recent encouraging signs from the labor market should set the stage for an above-par growth trend by mid 2011, according to the November 2010 Economic Outlook released by Fannie Mae’s Economics & Mortgage Market Analysis Group.
Despite challenges, including uncertainty on the domestic fiscal policy and international fronts, the report foresees gradual improvement in economic activity moving into 2011. In 2010, the economy showed a slight pickup in growth in the third quarter and consumer spending posted the best showing since the end of 2006.
http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=250499&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

NEED HELP ? WHAT IS A SHORT SALE ? OWE TOO MUCH ON YOUR HOME? WHERE DO YOU TURN? WILL THE BANK SETTLE FOR LESS WHEN I SELL?

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins" http://www.rickswift.com/  239-357-1844
NEED HELP? OWE TOO MUCH ON YOUR HOME? WHERE DO YOU TURN? WILL THE BANK SETTLE FOR LESS WHEN I SELL? ,
Turn to your local realtor for help. They will guide you where to turn for the help you need. Do you need to sell your house? but you owe more than it is worth at the present time? Trust me your not alone. So many calls that i receive are just that. First you have to decide that selling is your best option, then decide on the right realtor, then price, stage, your house for sale. The realtor says the house is worth 150,000. you owe 200,000 will the bank let you short sale the house for the 150,000 to the next person? Ask your realtor for advise and help, but they should not give any legal advise to you. that is for a real estate attorney only. Many attorneys and title companies can be very helpful in a short sale transaction, from start to finishing the paperwork closing. BE PREPARED AND HAVE A PLAN

A short sale is a sale of real estate in which the sale proceeds fall short of the balance owed on the property's loan. It often occurs when a borrower cannot pay the mortgage loan on their property, but the lender decides that selling the property at a moderate loss is better than pressing the borrower. Both parties consent to the short sale process, because it allows them to avoid foreclosure, which involves hefty fees for the bank and poorer credit report outcomes for the borrowers. This agreement, however, does not necessarily release the borrower from the obligation to pay the remaining balance of the loan, known as the deficiency.
SEE MORE INFO

http://en.wikipedia.org/wiki/Short_sale_%28real_estate%29

The United States’ investment sales market has the potential for increased fluidity in the year ahead, based on findings from Colliers International’s Q3 2010 Global Investor Sentiment Survey.

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins" http://www.rickswift.com/  239-357-1844

Global investors poised for activity


SEATTLE – Nov. 9, 2010 – The United States’ investment sales market has the potential for increased fluidity in the year ahead, based on findings from Colliers International’s Q3 2010 Global Investor Sentiment Survey.
More than six out of 10 U.S. real estate investors responding to the survey indicated that they are considering selling property over the next year, up considerably from the 23 percent reported in the Q1 response. Meanwhile, 85 percent of U.S. investors expressed a desire to buy assets domestically during that time, with a focus on primary markets nationwide. The combined forces may position a significantly increased number of U.S. assets to trade over the next 12 months.
In particular, U.S. investors noted markets in California, Texas, New York/New Jersey and Florida, as well as Washington, D.C., Boston, Atlanta, Chicago, Denver and Seattle as key targets.
http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=250014&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

Owners still see value in real estate

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins" http://www.rickswift.com/  239-357-1844


NAR: Owners still see value in real estate


NEW ORLEANS – Nov. 8, 2010 – Homebuyers today have affirmed a long-term view of homeownership, the typical seller is experiencing positive returns and the vast majority of homeowners see their property as a good investment, according to the latest consumer survey of homebuyers and sellers. The study was released during the 2010 Realtors® Conference & Expo.
The 2010 National Association of Realtors Profile of Home Buyers and Sellers is the latest in a series of large national NAR surveys evaluating demographics, preferences, marketing and experiences of recent homebuyers and sellers.
Although typical sellers had been in their previous home for eight years, up from seven years in the 2009 study, first-time buyers plan to stay for 10 years and repeat buyers plan to hold their property for 15 years.
NAR 2010 President Vicki Cox Golder says the pattern of buyers taking a long-term view has solidified over the past few years. “This underscores two simple facts – homeownership encourages stability; and the longer you own, the better your investment.”
http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=249964&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

Federal Reserve to buy bonds at a rate of 75 billion a month, let's hope China doesn't hold back on buying our bonds?

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins" http://www.rickswift.com/  239-357-1844


For immediate release

Information received since the Federal Open Market Committee met in September confirms that the pace of recovery in output and employment continues to be slow. Household spending is increasing gradually, but remains constrained by high unemployment, modest income growth, lower housing wealth, and tight credit. Business spending on equipment and software is rising, though less rapidly than earlier in the year, while investment in nonresidential structures continues to be weak. Employers remain reluctant to add to payrolls. Housing starts continue to be depressed. Longer-term inflation expectations have remained stable, but measures of underlying inflation have trended lower in recent quarters.
http://www.federalreserve.gov/newsevents/press/monetary/20101103a.htm

Hopefully China won't hold back on buying our bonds .This would cause interest rates to rise and put a long term affect on bringing our country back to a healthy nation again. This gives money back to the banks so they can borrow from each other and hopefully loosen up the credit for the big investors such as the banks and big business borrowers. Will this trickle down to the small business owners that create jobs, haven't we done this before and the banks tightened credit and you only got loans if you were clean and green and not on the edge of a loss.So a big business restructures their debt at a lower rate, but tightens up the job creations, and runs with less employees doing more till their debt load is more manageable. It's hard for the person who lost a job wants to get back into home ownership, because of short sale or foreclosure. They are not clean and green anymore, or less than desirable credit and would not qualify for a loan at the lower rate. So if  the gov. insures the loan then the banks are more likely to make the loan, depending on the ability to repay the debt. This seems like we have done this before. What if China holds off buying more of our notes, and interest rates rise and gas , groceries, and other commodities rise, Does this makes sense? I certainly don't know for sure? but let's hope the Fed,banks and others have it right this time. JUST MY OPINION

The National Oil Spill Commission and its Chief Counsel Fred B public hearing on preliminary findings regarding BP’s Macondo well blowout.

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins" http://www.rickswift.com/  239-357-1844

Monday, November 8, 2010
The National Oil Spill Commission and its Chief Counsel Fred Bartlit will hold a two-day public hearing on preliminary findings regarding BP’s Macondo well blowout.
Updated Agenda: November 8-9 Hearing
The National Oil Spill Commission and its Chief Counsel Fred Bartlit will hold a two-day public hearing on preliminary findings regarding BP’s Macondo well blowout. The primary focus of the hearing will be on the causes of the rig explosion. An updated version of the agenda follows:
Monday, November 8, 2010 and Tuesday, November 9, 2010

Grand Hyatt Washington
1000 H Street NW, Washington, DC
Live video stream at http://www.oilspillcommission.gov/

(Doors open for media/camera setup at 6:30 a.m. both days)
Day 1
8:00 a.m. On-Site Registration
9:00 a.m. Call to Order
Christopher A. Smith, U.S. Department of Energy, Designated Federal Officer
Opening Remarks by Commission Co-Chairs Senator Bob Graham and William K. Reilly
9:15 a.m. Presentation by Chief Counsel Fred Bartlit
10:45 a.m. Break
11:00 a.m. Presentation by Chief Counsel Fred Bartlit
12:30 p.m. Lunch Break
1:30 p.m. Panel 1: Panel Discussion with BP, Transocean and Halliburton
Mark Bly, Executive Vice President of Safety & Operational Risk, BP
Bill Ambrose, Director of Special Projects, Transocean
John Gisclair, Insite Support Service Coordinator, Halliburton / Sperry Sun Drilling Service
Richard F. Vargo, Jr., Gulf of Mexico Region Manager—Cementing, Halliburton
3:00 p.m. Break
3:40 p.m. Panel 1 (cont.): Panel Discussion with BP, Transocean and Halliburton
5:45 p.m. Closing Remarks by Commission Co-Chairs Senator Bob Graham and William K. Reilly
6:00 p.m. Meeting Adjourns
Day 2
8:00 a.m. On-Site Registration
9:00 a.m. Call to Order
Christopher A. Smith, U.S. Department of Energy, Designated Federal Officer
Opening Remarks by Commission Co-Chairs Senator Bob Graham and William K. Reilly
9:15 a.m. Panel 2: Experts on Oil Well Drilling and Operations
Dr. E.C. Thomas, Consulting Petrophysicist and Owner, Bayou Petrophysics
Charlie Williams, Chief Scientist, Well Engineering and Production Technology, Shell Energy Resources Inc.
Steve Lewis, Advanced Drilling Technology Implementation Engineer, Seldovia Marine Services
Dr. John Rogers Smith, Associate Professor, Department of Petroleum Engineering, Louisiana State University
Darryl Bourgoyne, Director, Louisiana State University Petroleum Engineering Research and Technology Transfer Laboratory
10:45 a.m. Break
11:00 a.m. Panel 2 (cont.): Experts on Oil Well Drilling and Operations
12:30 p.m. Lunch Break
1:30 p.m. Panel 3: Regulation of Offshore Drilling
Dr. Walter Cruickshank, Deputy Director, Bureau of Ocean Energy Management, Regulation and Enforcement
2:00 p.m. Panel 4: Plans for Regulation
Michael Bromwich, Director, Bureau of Ocean Energy Management, Regulation and Enforcement
2:45 p.m. Break
3:00 p.m. Panel 5: Industry Safety Culture
Marvin Odum, President, Shell Oil Company, and Upstream Americas Director, Royal Dutch Shell
Rex Tillerson, Chairman and Chief Executive Officer, ExxonMobil
4:00 p.m. Questions and Wrap-Up with Chief Counsel Fred Bartlit & Senior Science and Engineering Advisor Richard Sears
4:40 p.m. Closing Remarks by Commission Co-Chairs Senator Bob Graham and William K. Reilly
4:45 p.m. Break
5:00 p.m. Public Comment
5:30 p.m. Meeting Adjourns

http://www.oilspillcommission.gov/meeting-5/meeting-details

Posted by Rick Swift at 4:02 AM 0 comments

congrats to Rick Scott

Image by Getty Images via @daylife

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins" www.rickswift.com 239-357-1844


Rick Scott great start to change let's start the job creations good luck

It's over start your engines and let's get started!! today we start a new direction for our country

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"
http://www.rickswift.com/   239-357-1844

It's over start your engines and let's get started!!!
Today we start a new direction for our country. Hopefully everyone got a wake up call to put the old style of
politics to rest and start thinking how to bring the country together for a common good. We need to work together. An old friend used to say the wheels on the bus go round and round, either your on the bus or your not. Then he used to say the birds of a feather flock together. Let's start by creating jobs, and get people creating business ideas, and to get the flow of money moving again. This would be a start to becoming a healthy nation again. We stood up and were counted in this election, the people do make the difference. This is to all let's give it a real try

Florida’s consumer confidence gets big boost

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"
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Florida’s consumer confidence gets big boost


GAINESVILLE, Fla. – Oct. 27, 2010 – Historically low interest rates, bargains on condominiums and a moratorium on foreclosures likely caused a six-point jump in Florida’s consumer confidence in October to 74, its highest level in six months, according to a new University of Florida (UF) survey.
“Much like the spike in April’s consumer confidence, this increase was not expected,” says Chris McCarty, director of UF’s Survey Research Center in the Bureau of Economic and Business Research. In April, home appliance rebates sparked the increase, he says.
All five of the index components rose in October, with the biggest increase in perceptions about whether it’s a good time to buy big-ticket consumer items, which jumped 10 points to 85.
Perceptions of personal finances now compared with a year ago rose six points to 55, while perceptions of personal finances a year from now rose seven points to 85. Perceptions of U.S. economic conditions over the next year rose five points to 68, while perceptions of U.S. economic conditions over the next five years rose two points to 78.
http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=249501&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

New report: Amendment 4 passage would have ‘devastating consequences’

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"
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New report: Amendment 4 passage would have ‘devastating consequences’


TALLAHASSEE, Fla. – Oct. 21, 2010 – Florida TaxWatch released a new report this morning on the potential outcome of Amendment 4 passage on Nov. 2. According to the report, passage would severely harm the state’s economic recovery, future job creation, and dampen personal income.
The economic impact analysis, "Land Use Planning by Referendum: The Economic Consequences of Amendment 4" – conducted by the Florida Council of Economic Advisors at Florida TaxWatch and a team of researchers from the Haas Center at the University of West Florida – explains the future if Amendment 4 passes, which would require voter approval of all changes to local comprehensive land use plans that cities and counties use as a specific outline for future development.
http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=249079&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

What does the foreclosure crisis mean to you?

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"
239-357-1844 http://www.rickswift.com/ http://www.rickswift.listingbook.com/


By M.P. MCQUEEN, MARY PILON and JESSICA SILVER-GREENBERG
Wall Street Journal


For the vast majority of homeowners, new questions about the state of foreclosures appear to be irrelevant. Few people seem to have been wrongly thrown out of their homes, and those who have been are generally months or years behind on their mortgage payments.
But the fallout from the crisis is beginning to be felt in real-estate markets across the country, particularly in places dominated by vacation homes and investment properties. Some of the worst-hit areas could be Western ski towns, because fall is the busiest time of the year for sales.
By the Numbers

27%

Percentage of total home sales in 2009 that were second homes.

30%

Percentage of total mortgage defaults attributable to second-home and investment properties.

4.57%

Percentage of mortgages in some state of the foreclosure process, June 2010.

9.4 Months

The average amount of time from default until foreclosure proceedings begin on a "jumbo" mortgage loan.

.Real-estate salespeople in some of those places are worried. "September and October are usually the height of the selling-season for us," says Rich Armstrong, who owns the brokerage Rare Properties in Jackson Hole, Wyo. "Now we are seeing a number of what we call 'fence sitters,' people who would have leapt in even a month ago, but now are waiting on the sidelines."
http://online.wsj.com/article/SB10001424052702303339504575566842307890662.html

Housing most affordable in more than 40 years

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"
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SAN FRANCISCO – Oct. 13, 2010 – Beacon Economics’ new Beacon Economics Home Affordability Index finds that in August homes were at their most affordable level since data became available (1969). Beacon Economics developed the Beacon Economics Home Affordability Index based on the percentage of income an average family would need in order to make mortgage payments on an average priced home.


The August estimate shows the cost of homeownership (mortgage interest plus principal payments after a 20 percent downpayment) falling to 16.9 percent from 17.1 percent in July. Overall, the Beacon Economics Home Affordability Index has remained below 20 percent for the past twenty-one months.

“Home affordability has reached an historic high,” says Beacon Economics Founding Principal Christopher Thornberg. “Nationwide, prices are down approximately 25 percent from their peak, and mortgage financing rates are at all-time lows.” Moreover, the high level of affordability is likely to drive demand and reduce the stock of excess inventory, ultimately resulting in the need for new housing, a rise in prices, and a pickup in new construction, according to Thornberg.



http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=248778&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

WASHINGTON – Oct. 15, 2010 – Nearly eight out of 10 respondents believe buying a home is a good financial decision,

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"


NAR: Nearly 8 in 10 Americans think buying a home makes good financial sense


WASHINGTON – Oct. 15, 2010 – Nearly eight out of 10 respondents believe buying a home is a good financial decision, despite ongoing challenges with the economy and housing market. That’s according to the 2010 National Housing Pulse Survey, an annual report released by the National Association of Realtors®.
The survey, which measures how affordable housing issues affect consumers, also found job security concerns to be the highest in eight years of sampling, with 70 percent of Americans saying that job layoffs and unemployment are a big problem in their area; eight in 10 cite these issues as a barrier to homeownership.
“The real issue facing the nation’s economy right now is that many Americans can’t find meaningful work to support their families,” said NAR President Vicki Cox Golder. “While a job recovery is what’s needed right now to get the economy and housing market back on the right track, owning a home continues to be part of the American Dream and one of the best long-term investments in your future.”
http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=248883

Families will suffer if foreclosure freeze continues

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NAR: Families will suffer if foreclosure freeze continues


WASHINGTON – Oct. 13, 2010 – Thousands of first-time and move-up buyers who hoped to make a foreclosed property their new home now face uncertainty, anxiety and possibly remorse as they worry that closing could be in jeopardy.
For many, the dream of homeownership could turn into agony if their home purchase is indefinitely delayed by a moratorium on foreclosures declared by some banks, the National Association of Realtors® said yesterday. The moratoriums are needed, banks say, to review all of the foreclosures in their portfolios to make sure they’re in compliance with the law and that titles are clear.
NAR warned that a prolonged review process would have a damaging impact on many communities and hinder the nation’s economic recovery.
“As the leading advocate for homeownership issues, we understand that many lenders need a time-out to review their actions to ensure that homeowners are not improperly foreclosed on and that the lenders are following regulations and state laws. After that, the foreclosure process must resume quickly to return stability to families, the housing market and the economy,” said NAR President Vicki Cox Golder.

http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=248790&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

Internal Revenue Service Statistics of Income (SOI) data, NAHB studied how housing tax deductions benefit different age groups. The analysis found that pro-housing policies benefit younger households most – homeowners who typically have large mortgages, a small amount of equity and growing families.

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"
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Housing tax credits benefit young most


WASHINGTON – Oct. 5, 2010 – New research from the National Association of Home Builders (NAHB) finds that the benefits of housing-related tax deductions, such as the mortgage interest deduction, generally decline in value as individuals age.
Using Internal Revenue Service Statistics of Income (SOI) data, NAHB studied how housing tax deductions benefit different age groups. The analysis found that pro-housing policies benefit younger households most – homeowners who typically have large mortgages, a small amount of equity and growing families.
“Opponents falsely argue that the (mortgage interest) deduction is only for the wealthy, but it is clear that the mortgage interest deduction is also of great value to younger homeowners,” says Robert Dietz, assistant vice president for Tax and Policy Issues for NAHB. “Any tampering with this deduction would have a disproportionate impact, as a share of household income, on younger homeowners … (and) these are households who have growing demand for homeownership due to marriages and children.”


http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=248374&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

UNBELIEVABLE!!! where does Washington get their numbers from

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"  http://www.rickswift.com/


UNBELIEVABLE!!! where does Washington get their numbers from
taxes in Florida based on 182,400 median home price and taxes only 1773. a year.  sign me up with three quarters of the population to follow I'M homesteaded and it's alot more than 1773 dollars for the taxes  must have got their numbers from 2005 or a political office where's my refund

Fla. property taxes not high, not low


WASHINGTON – Oct. 4, 2010 – Using 2009 U.S. Census data, the nonprofit Tax Foundation created a state-by-state comparison of property taxes using three criteria: median property tax paid, property tax as percentage of a home’s worth, and property tax as a percentage of median income. In all three comparisons, Florida ranked around the middle, New Jersey came in at No. 1 for most expensive, and Louisiana finished at No. 50.
The median property tax paid on a home in Florida was $1,773, which puts the state at No. 23 in the state-by-state comparison. New Jersey ranked No. 1 with the median homeowner paying $6,579; in No. 50, Louisiana, the median homeowner shelled out only $243. The median property tax nationwide was $1,917.
As a percentage of the home’s value, Florida ranked No. 22 based on a median home price of $182,400. New Jersey again ranked No. 1 based on a median price of $348,300, while Louisiana’s median home value was $135,400. The national median home value used for the study was $185,200.

http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=248239&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

Bank of America says it is delaying foreclosures in 23 states

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WASHINGTON (AP): Bank of America says it is delaying foreclosures in 23 states as it examines whether it rushed the foreclosure process for thousands of homeowners without reading the documents.
Bank of America is not yet able to estimate how many homeowners cases will be affected, a spokesman for the nation's largest bank says.
A bank official acknowledged in a legal proceeding in February that she signed up to 8,000 foreclosure documents a month and typically didn't read them.
The Associated Press obtained the document Friday.
The executive's admission adds the nation's largest bank to a growing list of mortgage companies whose employees signed documents in foreclosure cases without verifying the information in them.

Consumer confidence inches up as worst of oil spill crisis ends

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"
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Consumer confidence inches up as worst of oil spill crisis ends


GAINESVILLE, Fla. – Sept. 29, 2010 – The sealing of the BP oil well in the Gulf of Mexico put a stop to the hemorrhaging of Florida’s consumer confidence, which rose two points to 68 in September, its highest level since May according to a new University of Florida survey.
“With the Gulf oil spill largely behind us, consumer confidence has begun to recover to pre-spill levels,” said Chris McCarty, director of UF’s Survey Research Center in the Bureau of Economic and Business Research. “This is by no means a return to a state of optimism. Overall confidence is four points lower than it was at this time last year.”
Although this month’s consumer confidence is 10 points below the April reading of 78, all five of the index components posted gains. Rising four points were expectations of U.S. economic conditions over the next year, to 62, and expectations of U.S. economic conditions over the next five years, to 73. Rising one point were perceptions of personal finances now compared with a year ago, to 52, and expectations of personal finances a year from now, to 79. Perceptions of whether it is a good time to buy big-ticket items increased two points to 76.
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A ray of hope for flood insurance extension

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins" 239-357-1844  http://www.rickswift.com/   http://www.rickswift.listingbook.com/

A ray of hope for flood insurance extension


WASHINGTON – Sept. 23, 2010 – The U.S. Senate passed a one-year extension for the National Flood Insurance Program (NFIP) last evening. The House must now approve the bill and send it to President Obama to avoid a temporary NFIP shutdown after Sept. 30.


If NFIP shuts down, current homeowners cannot renew a policy, and homebuyers cannot secure a policy, which can postpone closings of flood-zone homes that require a mortgage.
Also yesterday, The National Association of Realtors® (NAR) testified to the Senate Committee on Banking, Housing and Urban Affairs on the importance of renewing the flood program, which is set to expire for the ninth time in two years. Congress has already approved eight short-term extensions, essentially punting the issue down the field.
“We are pleased that last night the Senate passed S. 3814 to extend the NFIP for one year until Sept. 30, 2011. We urge the House to immediately do the same,” said Realtor Nick D’Ambrosia, who testified on NAR’s behalf. “However, this month-to-month approach has hindered recovering real estate markets and exacerbated the uncertainty for the more than 5.5 million taxpayers who depend on the NFIP to protect them against floods.”
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FlORIDA sees increase in international buyers

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"
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Fla. sees increase in international buyers


ORLANDO, Fla. – Sept. 21, 2010 – A number of factors contributed to the decline in home sales nationally and in Florida specifically, but the growing importance of foreign homebuyers has offset some of the damage. Roughly two out of every three Realtors in the state had at least one international transaction within the past year.
While U.S. buyers continue to struggle, foreign buyers generally see U.S. real estate as a desirable, profitable and secure investment. In addition, a weak U.S. dollar has made Florida real estate even more attractive recently.
The National Association of Realtors®, in cooperation with Florida Realtors, conducted a survey of Florida members, asking them about their experience working with international clients. The survey was conducted in July-August 2010. A total of 936 responses were received.

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Obama administration: $208.4M to stabilize Fla. neighborhoods

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"
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TAMPA, Fla. – Sept. 10, 2010 – The U.S. Department of Housing and Urban Development (HUD) awarded an additional $208,437,144 in funding to Florida communities struggling to reverse the effects of the foreclosure crisis, the third round of funding through HUD’s Neighborhood Stabilization Program (NSP).
To kick off the Florida funding – part of a $1 billion package for all states – HUD Deputy Secretary Ron Sims joined Congresswoman Kathy Castor yesterday in Tampa, which will receive $4.7 million for local foreclosure efforts.
“We want to make certain that we target these funds to those places with especially high foreclosure activity so we can help turn the tide in our battle against abandonment and blight,” said Sims. “As a direct result of the leadership provided by Senator Chris Dodd and Congressman Barney Frank, who played key roles in winning approval for these funds, we will be able to make investments that will reduce blight, bolster neighboring home values, create jobs, and produce affordable housing.”
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"HOPE AWARDS" homeownership award seeks entries

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins
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"HOPE homeownership award seeks entries


WASHINGTON – Sept. 20, 2010 – Know an organization or Realtor working to promote minority homeownership? Nominate them for the National Association of Realtors®’ 2011 Home Ownership Participation for Everyone (HOPE) Awards.
The HOPE Awards were created exactly for times like this – “to recognize and support those individuals and organizations that plant the seeds of hope, in families, communities and the nation, when the barriers to homeownership grow and overshadow the American Dream.”
Applications are due by Dec. 17, 2010. Winners receive $10,000 and paid travel expenses to attend the awards ceremony.
For more information, visit the HOPE Awards website at: http://www.hopeawards.org/


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10 tips for hiring a home remodeling contractor

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins" http://www.rickswift.listingbook.com/ http://www.rickswift.com/
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10 tips for hiring a home remodeling contractor


YORK, Pa., – Sept. 3, 2010 – An uptick in homeowners are opting to remodel to increase a potential sales price or just upgrade their living space. According to StateofLife.com, remodelers should keep the following in mind:
Tip No. 1: Does your contractor have proof of insurance?
Ask the contractor to have his insurance company mail or fax a copy of his current contractor insurance card to you. If the contractor can’t do this – stay away. Why? If there is an accident at your home, you are then liable. This also applies to any sub-contractor or employee that the contractor may use – those individuals should have active insurance cards faxed or mailed to you as well.
Tip No. 2: Check references and see photos

Ask for at least three references with two for the same type of project you’re planning – and call the references. Additionally, ask the contractor to provide photos of previous work, especially for the same type of project. If he produces lawn and garden photos and you’re planning a bathroom remodel, you may want to check with another contractor.
Tip No. 3: Does your contractor take debit or credit cards?

Besides your ability to earn a few points, bonus miles or cash back, credit card acceptance is a good sign that a contractor is financially savvy and has a bank behind his business. Even many small, one-man shops take cards if they have a good relationship with their business bank or credit union.

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Almost 65,000 Floridians claim tax credit

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"

Almost 65,000 Floridians claim tax credit


WASHINGTON – Sept. 7, 2010 – A report by the Government Accountability Office finds that Florida ranked third in the number of first-time buyers who qualified for one of the three IRS tax credits, with 64,879 buyers making the claim. The study includes all three credits authorized by Congress.
In dollars and cents, that means Florida residents received $455,565,365 offered under the Housing, Recovery and Assistance acts.
Still, the amount pales compared to No. 1 ranked California that had almost 117,000 claims and over $814 million returned to residents. Texas, which ranked No. 2, saw almost 100,000 claims and over $680 million in federal money. Nationwide, Americans collected about $23.5 billion and submitted 3.32 million claims, which is about $1.5 billion higher than original estimates. http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=246386&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

Tell Congress Homeownership CountsThe core values of homeownership have come under fire recently from critics that want to eliminate or reduce programs that make owning a home affordable and accessible to Americans,

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins" 239-357-1844


Tell Congress Homeownership Counts

The core values of homeownership have come under fire recently from critics that want to eliminate or reduce programs that make owning a home affordable and accessible to Americans, according to the National Association of REALTORS®.
To counter the attacks and reinforce the benefits of homeownership, NAR is conducting a comprehensive Value of Homeownership campaign and asking for help from all REALTOR® members. Responses must be in by Friday, Sept. 24, 2010, emailed to:awarenesscampaign@realtors.org.
"We're gathering real-life stories from homeowners across the country to put a human face on the true values of owning a home," says Frank J. Sibley, NAR senior vice president of publications, convention and public affairs.
NAR wants to find the following types of homeowners:
· Single homeowner with kids: This could be a man or a woman who purchased a home to make a better life for their kids; motivated by better schools, becoming part of a community, etc.
· Couple with growing family: This couple would ideally have sold a home to purchase another home because they outgrew their space. If they used some of the proceeds from the sale of their old home toward the new purchase, all the better.
· Single woman, no kids: NAR research shows that one-fifth of recent homebuyers were single women. "We're looking for real-life stories to present with this research - women who are trying to establish themselves and see homeownership as a way to build their wealth and security," says Sibley. "Women at all stages of life would be fine - a young professional, an older divorcee, etc.
·Downsizing retirees: People married or single who recently purchased a retirement home. Having raised their families, they still see the value of homeownership into retirement and chose to own rather than rent.
· Couple without kids: This couple may have been priced out of the overheated housing market in the past few years, and now with increased affordability and low interest rates, they're able to own a home.
in a recent client matches NAR's description, send their name(s), phone and email address to awarenesscampaign@realtors.org. Include a brief description on which profile they fit and why they might make a good human-interest story. NAR's media team will follow-up and determine which homeowners work best for feature stories in local and national news outlets. Each story will tout the benefits of homeownership and explain how reduced government support would impact these people.

LIST WITH US CONSIDER IT SOLD!! CENTURY 21 BIRCHWOOD REALTY

Cape Coral Realtor Rick Swift "Where your new home begins" We work hard at Century 21 Birchwood Realty, we have training 4 days a week for new and seasoned realtors yes realtors there is a difference between an agent and a realtor we take an oath to be better real estate professionals, higher standards, ethics, honesty, trust, the dues are high , but it creates the best of the best . Our local board of realtors have on going training weekly. So when your looking to buy or sell a home , first look to see if they are a realtor  of the highest standards and then look to see who will be able to market your property better . Please fill free to check me out you won't be disappointed Thank Rick Swiftwww.rickswift.com   http://www.rickswift.listingbook.com/

Fla. consumer confidence up 1 point

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"
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Fla. consumer confidence up 1 point


GAINESVILLE, Fla. – Sept. 1, 2010 – With no clear signs that the nation is either recovering or entering another recession, Florida’s consumer confidence remained stagnant, inching up only one point to 67 in August, according to a new University of Florida survey.
“Consumer confidence is entrenched at a relatively low level,” says Chris McCarty, director of UF’s Survey Research Center in the Bureau of Economic and Business Research. “With the exception of a jump in April due almost entirely to the housing and appliance rebate programs, consumer confidence has been stuck in the upper 60s to low 70s for the past year. We are in the economic doldrums.”
Two of the five components of the index increased, while one decreased and two remained unchanged.
Perceptions of personal finances now compared with a year ago rose four points to 52 from a record low in July, while perceptions of personal finances a year from now rose three points to 78.
“On the bright side, the oil spill has been contained and this is probably part of the reason for increased optimism about personal finances,” McCarty says. “Although the long-term effects of the spill are not yet known, there is evidence that tourists now realize that Florida beaches are, for the most part, unaffected.”


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"Where your new home begins"

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"

Cape Coral Realtor Rick Swift "Where your new home begins" Wow! what a beach not far away from some of the best beaches in the country. We make this our home town just for the sunshine and the places to see. Did you know that Cape Coral has more canals than anywhere. Many go right out to the gulf of mexico. Some of the best fishing, and golfing, and resorts, (for friend's that come to visit) when you buy your piece of paradise. If you need to list a home or buy a home. I will work harder than anyone, that's my promise to you. Call me Rick Swift@ 239-357-1844 http://www.rickswift.com/ / /
http://www.rickswift.listingbook.com/

Selling Real Estate in Southwest Florida.everyone comes to Lee County to enjoy the sunshine, beaches,
and all the things that make you fill good.
 We all know florida is a
place everyone dreams about coming to. This is my home,
let me help you make it your home today. Want to search like a
realtor, go to the search page IT'S FREE. See all the properties in the
area that can be yours.
"Where your new home begins" in Cape Coral, Estero, or Ft.Myers, this is paradise.
239-357-1844 Rick Swift http://www.rickswift.com/ / http://www.rickswift.listingbook.com/

Look at the beach, just picture you and your family here. It doesn't get any better than this. The sun shines almost everyday,
the fishing is great, the sunsets are the best of any in the world. Weare only a few miles from one of the top ten beaches in the world,
(Lovers Key). This can be all yours, start your search today!.
Century 21 Birchwood Realty Rick Swift 239-357-1844 http://www.rickswift.com/ / http://www.rickswift.listingbook.com/

If your a boater? Imagine taking your boat thru this canal to the Gulf of Mexico. Fishing? well just some of the best anybody has ever seen. You will be the envy of all your friends back home in the cold. The best deals are going on right now!
I would like to earn your business. I will work harder than any other realtor I PROMISE YOU. I built my business on trust and honesty it's the only way i know, integrity is all we have and a good handshake. THIS IS MY PASSION!
"WHERE YOUR NEW HOME BEGINS"



239-357-1844 Rick Swift http://www.rickswift.com/  http://www.rickswift.listingbook.com/ /

CAPE CORAL FLORIDA WHAT A GREAT PLACE TO LIVE

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"
Cape Coral Realtor Rick Swift "Where your new home begins" Wow! what a beach not far away from some of the best beaches in the country. We make this our home town just for the sunshine and the places to see. Did you know that Cape Coral has more canals than anywhere. Many go right out to the gulf of mexico. Some of the best fishing, and golfing, and resorts, (for friend's that come to visit) when you buy your piece of paradise. If you need to list a home or buy a home. I will work harder than anyone, that's my promise to you. Call me Rick Swift@ 239-357-1844 http://www.rickswift.com/ /
http://www.rickswift.listingbook.com/

Some guarantee will survive Fannie, Freddie

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins" http://www.rickswift.com/ http://www.rickswift.listingbook.com/


Some guarantee will survive Fannie, Freddie


WASHINGTON – Aug. 20, 2010 – According to the National Association of Realtors® (NAR), the dominant thread at this week’s federal housing conference on the future was about retaining the Federal Housing Authority (FHA) to ensure finance availability for lower- and moderate-income households, and the re-shaping of Fannie Mae and Freddie Mac into something that backstops losses after private insurers take their lumps. The Treasury and the U.S. Department of Housing and Urban Development hosted the conference.

At least for the near term, most of the academics and business leaders participating seem to agree: Some form of government backstopping of the mortgage market is necessary, but it won’t be under the terms that we’ve grown familiar with. Rather, the guarantee would be absolutely explicit, not implicit like we saw with Fannie and Freddie; and, in the view of some, it would take the form of a limited, maybe even catastrophic-type, backstopping in which the private sector takes first-risk position http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=245507&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

1 out of 4 renters never plans to own a home

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor 239-357-1844  http://www.rickswift.com/ http://www.rickswift.listingbook.com/
 "Where your new home begins"

1 out of 4 renters never plans to own a home


SAN FRANCISCO – Aug. 19, 2010 – According to Trulia.com’s American Dream survey on attitudes toward homeownership, 27 percent of renters do not plan to buy a home – ever. Of those renters who do plan to purchase someday, 68 percent said it would be more than two years before they do.
“Large numbers of people delaying their plans to buy a home, or not planning to buy at all, could have an enormous domino delaying effect on economic recovery in the U.S.,” says Pete Flint, CEO of Trulia. “Renters converting into buyers are crucial to turning around the housing slump, but the current economic crisis is causing people to become very hesitant to get off the fence and buy a home.”

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Facing foreclosure? New Fannie Mae website helps consumers find options

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Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"
Facing foreclosure? New Fannie Mae website helps consumers find options


WASHINGTON – Aug. 16, 2010 – Fannie Mae launched a new website to help consumers understand their options when facing foreclosure and the possible loss of their home. Called KnowYourOptions.com, it outlines the choices available to homeowners struggling to make mortgage payments, and provides guidance on how they can contact and work with their mortgage company to find a back-up plan.

KnowYourOptions.com provides information in both English and Spanish. Features include:

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update its ADA (Americans with Disabilities Act) regulations

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"
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"Webinar: DOJ’s updated ADA regulations and standards


WASHINGTON – Aug. 11, 2010 – On July 26, the U.S. Department of Justice (DOJ) issued rules to update its ADA (Americans with Disabilities Act) regulations, which creates new accessibility standards for facilities.
To help the industry understand the changes, the U.S. Access Board and DOJ will conduct a free webinar on Sept. 2 from 1:30 to 4 p.m. covering updated regulations and standards. As part of the webinar, DOJ reps will highlight what is new in the revised title II and title III regulations, including the requirements for existing facilities.
Access Board staff will explain the major changes in the new ADA standards that are based on accessibility guidelines established by the Board.
Webinar organizers say that a significant portion of the program will be reserved for an open question and answer session with the presenters.
For more details or to sign up for this webinar, visit http://www.accessibilityonline.org/.

© 2010 Florida Realtors® http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=244734&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

Senate president wants answers from Citizens

Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"
Senate president wants answers from Citizens


TALLAHASSEE, Fla. – Aug. 12, 2010 – Florida Senate President Jeff Atwater (R-North Palm Beach) wrote a letter to Citizens Property Insurance Corp., the state-run insurer of last resort, seeking answers about recent news reports stating that the company awarded contracts without seeking competing bids READ MOREhttp://www.floridarealtors.org/NewsAndEvents/article.cfm?id=244833&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+floridarealtors+%28Florida+Realtors%29

BUY A 3 BEDROOM 2 BATH  ON THE  INTERSECTING FRESHWATER CANAL 

 CAPE CORAL, FLORIDA

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Cape Coral Century 21 Birchwood Realty Rick Swift Realtor "Where your new home begins"

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