Real Estate Articles about Camarillo

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2009 Homebuyer Tax Credit Extension

Terese Ayers

Big news regarding the 2009 Homebuyer Tax Credit, it has been extended until April 2010.

On November 4, 2009, Senators agreed to extend the popular tax credit for first-time homebuyers and to offer a reduced credit to some repeat buyers. The tax credit put into effect in February 2009 provides up to $8,000 to first-time homebuyers who purchased a home on or before November 30. Senators agreed to extend the existing tax credit for first-time homebuyers through the end of April and offering a reduced credit of up to $6,500 to repeat buyers who have owned their current homes for at least five years.

The tax credits would be available to homebuyers who sign sales agreements by the end of April and would have until the end of June to close on their new homes. For more information and to take advantage of this excellent opportunity contact your local real estate professional.

5 Factors that decide your credit score

Terese Ayers

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5 Factors That Decide Your Credit Score

Credit scores range between 200 and 800, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect your score:

1. Your payment history. Did you pay your credit card obligations on time? If they were late, then how late? Bankruptcy filing, liens, and collection activity also impact your history.

2. How much you owe. If you owe a great deal of money on numerous accounts, it can indicate that you are overextended. However, it’s a good thing if you have a good proportion of balances to total credit limits.

Vacation homes are becoming a reality for more homeowners

Terese Ayers

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Vacation homes are becoming a reality for more homeowners. Whether its a oceanfront cottage, a log cabin in the woods, or a home on the golf course - a vacation home often seems to be a dream that only the wealthy can afford. But these days, you dont have to be a millionaire to own one.

A nationwide survey shows the median household income of second-home owners is $46,500. And, according to recent statistics, there were 7.2 million U.S. households in 1990 that owned some kind of recreational property or second home for vacation purposes. That number is expected to at least double and possibly triple over the next 10 years. With todays continued low interest rates, the tax advantages a second home can bring, and a wide selection of areas experiencing solid home price appreciation, this is an excellent time to consider purchasing a second home as an investment and a great getaway place.

Timing the Market

Terese Ayers

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If you've been thinking about selling your home and buying a new one, but you're concerned about how to best "time the market" so you get market value, I can help.

Moving on: Powerful tips for selling your home

Terese Ayers

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Maybe you're moving to a larger home to accommodate a growing family, relocating for a new career opportunity, or purchasing a townhouse for retirement. Whatever the reason for the move, you'll need to take the necessary steps to sell your home for the best possible price, within a reasonable amount of time. Where do you begin?

If you're like most people, you'll start by seeking assistance from a professional. A local real estate sales associate, who knows your neighborhood, can help you determine a fair market price. The sales associate should also recommend the extent to which you should make repairs or improvements to your house.

In order to select a real estate professional who's right for you, ask family, friends and neighbors for referrals. Attend open houses and interview several sales associates to find out how professional or experienced they may be. Get a written outline of how they plan to market your property and the services they will offer you.

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Terese Ayers -REALTOR®

2009 Homebuyer Tax Credit Extension

5 Factors that decide your credit score

Vacation homes are becoming a reality for more homeowners

Timing the Market

Moving on: Powerful tips for selling your home

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