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About Me
I'm a Broker-Salesperson / Owner and Office Manager of Marivic GMAC Real Estate or Marivic Realty whichever you prefer. I started this brokerage after working for several others, learning the areas they were just lacking from the agents prospective as well as the clients. I'm an observer of human nature and behavior, prefer L..I..S..T..E...N..I...N...G... .... ... .... as opposed to most agents who seem not to be able to grasp the concept of shutting the mouth and listening to sounds which come from others mouths ;-)
Sorry, but a big pet peeve of mine thinking you can learn my by listening than being psychic
My office policy is customer satisfaction comes first above all else, agent not servicing the needs of the client, client gets a new agent, problem solved... Agents need a lot of training but many never get training on the basics, they are just thrown to the wolves so to speak. Much like a house, you cannot build anything of value on a week foundation. I believe the same true when it comes to building a successful real estate career.
Agents that work for me and dedicate themselves to work full time will get the best training available and it is ongoing... You are NEVER too old to learn, if you think you know it all... ;-)
Notice: I can be a but sarcastic at times ;-)
A properly trained and conditioned real estate agent can be traced through satisfied clients and we have some of the best trained agents in the industry.
BTW. Never Trust a real estate agent who's claim to fame is: I've been an agent for "X" amount of years!
It is very common to come across agents especially those who've been agents for a long time,some of which are barely getting by income wise to be know it all bragarts, discourage other newer agents, have negative attitudes, have an "entitlement" attitude and some of which can be compared to the sleazy used car salesman steriotype. I'm trying to ensure my office doesn't house these kinds of agents, try to change their ways or give them their walking papers. It doesn't take long for a bad apple to ruin the crop!
Sorry, but a big pet peeve of mine thinking you can learn my by listening than being psychic
My office policy is customer satisfaction comes first above all else, agent not servicing the needs of the client, client gets a new agent, problem solved... Agents need a lot of training but many never get training on the basics, they are just thrown to the wolves so to speak. Much like a house, you cannot build anything of value on a week foundation. I believe the same true when it comes to building a successful real estate career.
Agents that work for me and dedicate themselves to work full time will get the best training available and it is ongoing... You are NEVER too old to learn, if you think you know it all... ;-)
Notice: I can be a but sarcastic at times ;-)
A properly trained and conditioned real estate agent can be traced through satisfied clients and we have some of the best trained agents in the industry.
BTW. Never Trust a real estate agent who's claim to fame is: I've been an agent for "X" amount of years!
It is very common to come across agents especially those who've been agents for a long time,some of which are barely getting by income wise to be know it all bragarts, discourage other newer agents, have negative attitudes, have an "entitlement" attitude and some of which can be compared to the sleazy used car salesman steriotype. I'm trying to ensure my office doesn't house these kinds of agents, try to change their ways or give them their walking papers. It doesn't take long for a bad apple to ruin the crop!
Testimonials
"This site blogs are a joke... It actually gives agents the opportunity to Leave your own testimonials???
I am the Greatest Real Estate Agent in the WORLD!!!"
Victor Kaminski ;-) Mon May 12
Victor Kaminski ;-) Mon May 12
My Q&A
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Victor Kamin…'s Questions (2)
Victor Kamin…'s Answers (75)
Victor Kaminski answered:
Appraisers are coming in low except when they are sent out by the bank for a short sale, then I'm noticing they are coming in too high! Yikes, Go Figure!
Victor Kaminski answered:
I'd stay away from foreclosures especially if you don't have any experience with them, they could mean big trouble and you can just end up buying someone elses headache and debt if there is any money owed or leins on the property.
Pre-Foreclosures or HUD homes are much better options because you'll be getting a home free and clear of any debts from the previous owner which have not been paid.
RealtyTrac is not the best place to look for foreclosures anyway.
Check with the sources, your county sheriff's office or website to find homes in foreclosure.
--
Victor Kaminski
Owner / Broker Manager
Marivic GMAC Real Estate
2056A Lincoln Hwy. (Rt.27)
Edison, NJ 08817-3330
Office: 732-650-9911 Ext.302
Cellular: 908-884-5757
Toll Free: 1-866-745-GMAC(4622) Ext.302
http://www.MarivicRealty.com
http://www.realrep.com/
http://www.homes.com/Agent/4243382/victorkaminski
http://www.trulia.com/voices/profile/Real_Estate_Pro-Edison-…
http://www.city-data.com/forum/members/victorkaminski-211209.html
http://www.realrep.com/Listing/DefaultListingSummary.aspx?Sh…
http://www.city-data.com/forum/3305497-post16.html
http://www.trulia.com/voices/Home_Buying/I_m_thinking_of_pur…
http://nls.point2.com/members/US/New-Jersey/Edison/Victor-Ka…
Pre-Foreclosures or HUD homes are much better options because you'll be getting a home free and clear of any debts from the previous owner which have not been paid.
RealtyTrac is not the best place to look for foreclosures anyway.
Check with the sources, your county sheriff's office or website to find homes in foreclosure.
--
Victor Kaminski
Owner / Broker Manager
Marivic GMAC Real Estate
2056A Lincoln Hwy. (Rt.27)
Edison, NJ 08817-3330
Office: 732-650-9911 Ext.302
Cellular: 908-884-5757
Toll Free: 1-866-745-GMAC(4622) Ext.302
http://www.MarivicRealty.com
http://www.realrep.com/
http://www.homes.com/Agent/4243382/victorkaminski
http://www.trulia.com/voices/profile/Real_Estate_Pro-Edison-…
http://www.city-data.com/forum/members/victorkaminski-211209.html
http://www.realrep.com/Listing/DefaultListingSummary.aspx?Sh…
http://www.city-data.com/forum/3305497-post16.html
http://www.trulia.com/voices/Home_Buying/I_m_thinking_of_pur…
http://nls.point2.com/members/US/New-Jersey/Edison/Victor-Ka…
Victor Kaminski answered:
dap2082, my first bit of advice is to take note you will get advice from a lot of people in these forums some from realtors some from stock market and hedge fund guys posing as consumers bashing people who give any advice to or on purchasing.
That being said, if you've made the decision to purchase...
Another option may also be a co-op, they tend to be much cheaper than homes, condos or townhouses but the monthly maintenance fees tend to be much higher. You can find some excellent deals though. Take for example a few in Edison, NJ priced between $52,000 to over $90K but they have monthly maintenance fees from $500 to around $700. With an option like this, you can have a nice home on the cheap side which can be paid off sooner which would just leave you with the monthly fee which usually includes heat, water, sewer and taxes. Not a bad deal especially for a single guy starting out.
If you'd like to know more, get in touch and I'll be glad to show you a few places.
Other options are Condo's which can sometimes be townhouses. You see a townhouse is a style of building and Condo is a type of ownership, don't confuse the two.
There are many condo's both traditional style and townhouse style and co-ops but not as many which are available within a one hour total commute of NYC. Both are viable options and cheaper than purchasing a house. If you'd like to discuss in detail or ask any questions please do either here or call me for a 1-on-1 counseling session.
--
Victor Kaminski
Owner / Broker Manager
Marivic GMAC Real Estate
2056A Lincoln Hwy. (Rt.27)
Edison, NJ 08817-3330
Office: 732-650-9911 Ext.302
Cellular: 908-884-5757
Toll Free: 1-866-745-GMAC(4622) Ext.302
http://www.MarivicRealty.com
http://www.realrep.com/
http://www.homes.com/Agent/4243382/victorkaminski
http://www.trulia.com/voices/profile/Real_Estate_Pro-Edison-…
http://www.city-data.com/forum/members/victorkaminski-211209.html
http://www.realrep.com/Listing/DefaultListingSummary.aspx?Sh…
http://www.city-data.com/forum/3305497-post16.html
http://www.trulia.com/voices/Home_Buying/I_m_thinking_of_pur…
http://nls.point2.com/members/US/New-Jersey/Edison/Victor-Ka…
That being said, if you've made the decision to purchase...
Another option may also be a co-op, they tend to be much cheaper than homes, condos or townhouses but the monthly maintenance fees tend to be much higher. You can find some excellent deals though. Take for example a few in Edison, NJ priced between $52,000 to over $90K but they have monthly maintenance fees from $500 to around $700. With an option like this, you can have a nice home on the cheap side which can be paid off sooner which would just leave you with the monthly fee which usually includes heat, water, sewer and taxes. Not a bad deal especially for a single guy starting out.
If you'd like to know more, get in touch and I'll be glad to show you a few places.
Other options are Condo's which can sometimes be townhouses. You see a townhouse is a style of building and Condo is a type of ownership, don't confuse the two.
There are many condo's both traditional style and townhouse style and co-ops but not as many which are available within a one hour total commute of NYC. Both are viable options and cheaper than purchasing a house. If you'd like to discuss in detail or ask any questions please do either here or call me for a 1-on-1 counseling session.
--
Victor Kaminski
Owner / Broker Manager
Marivic GMAC Real Estate
2056A Lincoln Hwy. (Rt.27)
Edison, NJ 08817-3330
Office: 732-650-9911 Ext.302
Cellular: 908-884-5757
Toll Free: 1-866-745-GMAC(4622) Ext.302
http://www.MarivicRealty.com
http://www.realrep.com/
http://www.homes.com/Agent/4243382/victorkaminski
http://www.trulia.com/voices/profile/Real_Estate_Pro-Edison-…
http://www.city-data.com/forum/members/victorkaminski-211209.html
http://www.realrep.com/Listing/DefaultListingSummary.aspx?Sh…
http://www.city-data.com/forum/3305497-post16.html
http://www.trulia.com/voices/Home_Buying/I_m_thinking_of_pur…
http://nls.point2.com/members/US/New-Jersey/Edison/Victor-Ka…
Victor Kaminski answered:
To answer this question you will need to know how many homes have appeared on the foreclosure lists and how many have gone to sheriff's sale then you can determine the percentages.
I don't have all that data handy or intend on doing all the research to find out. The answer will serve no purpose. The best question may be have foreclosures slowed down or gained momentum?
Sorry I couldn't be more help with your question as far as the percentage rate goes.
I don't have all that data handy or intend on doing all the research to find out. The answer will serve no purpose. The best question may be have foreclosures slowed down or gained momentum?
Sorry I couldn't be more help with your question as far as the percentage rate goes.
Victor Kaminski answered:
Nicholas....
You know a lot of people with unique personalities and trains of thought.... Don't ya?
"Once the property is built he obtains a 125% LTV loan"
- Let me get this right, the guy builds a home and after it was built someone lended him 125% the value of the home? What was suppose to be the collateral and what did he say the purpose of the loan was? Perhaps he used the other lots of land as collateral to cover the difference? Lenders will typically lend 50% of the value to purchase raw land and up to 80% the value of the construction project unless they have a very good working history with the lender. They will still need assets for collateral.
Sounds like someone is stretching the truth a bit somewhere! Either the builder or the person telling this story or perhaps you're just telling "stories" without having all the data needed to form an opinion?
"He still thinks that he can build a 1.5 million dollar home on the Severn River in this market if he had enough money. "
- I'm sure he could build a 9 Million dollar home in any market if he had enough money, reselling it and getting his money back is another story all together.
By the way, what is the point of this story?
How does it relate to Why should someone buy in this market?
You know a lot of people with unique personalities and trains of thought.... Don't ya?
"Once the property is built he obtains a 125% LTV loan"
- Let me get this right, the guy builds a home and after it was built someone lended him 125% the value of the home? What was suppose to be the collateral and what did he say the purpose of the loan was? Perhaps he used the other lots of land as collateral to cover the difference? Lenders will typically lend 50% of the value to purchase raw land and up to 80% the value of the construction project unless they have a very good working history with the lender. They will still need assets for collateral.
Sounds like someone is stretching the truth a bit somewhere! Either the builder or the person telling this story or perhaps you're just telling "stories" without having all the data needed to form an opinion?
"He still thinks that he can build a 1.5 million dollar home on the Severn River in this market if he had enough money. "
- I'm sure he could build a 9 Million dollar home in any market if he had enough money, reselling it and getting his money back is another story all together.
By the way, what is the point of this story?
How does it relate to Why should someone buy in this market?
That is hilarious, that has got to be the best story I've heard here yet!!!
Nicholas, what agency was that? No names just the agency, you're really killing me here, that is WAY too funny... lol..
"The RE broker sets her up with a BMW and loans her expensive jewelry and clothes to make sales"
first off 99.999% of residential real estate agents are independent contractors whose licenses are being held and overseen by their brokers. They can't be fired, they can only have their licenses transferred or returned to the state. 2nd she must have been a super duper awesome multi-million dollar producer to have been given or even loaned a car none the less a BMW by the broker PLUS expensive jewelry and clothes!!!!! That's just crazy!!!!
How exactly did you come across these pearls of wisdom and why exactly would your Ex-Sister-in-Law get involved with anyone "who has known problems with drugs" to use as her real estate agent?
That is just stupid or at least I think so.
Wouldn’t you agree?
If there is any shred of truth to this story I would suggest for you to report the agent to the NJ Department of Banking and insurance. Real Estate agents must not have been ever convicted of any crimes and must uphold a higher standard of morals and good character in the community in order to obtain or keep their licenses. If they are ever convicted of a crime it is the law that they notify the real estate commission immediately. I don't condone drug use especially among agents who are entrusted to protect the belongings and assets of others. I suggest you report any knowledge you are in possession of ASAP.
You will be performing a service to your community and fellow home buyers/sellers.
Nicholas, what agency was that? No names just the agency, you're really killing me here, that is WAY too funny... lol..
"The RE broker sets her up with a BMW and loans her expensive jewelry and clothes to make sales"
first off 99.999% of residential real estate agents are independent contractors whose licenses are being held and overseen by their brokers. They can't be fired, they can only have their licenses transferred or returned to the state. 2nd she must have been a super duper awesome multi-million dollar producer to have been given or even loaned a car none the less a BMW by the broker PLUS expensive jewelry and clothes!!!!! That's just crazy!!!!
How exactly did you come across these pearls of wisdom and why exactly would your Ex-Sister-in-Law get involved with anyone "who has known problems with drugs" to use as her real estate agent?
That is just stupid or at least I think so.
Wouldn’t you agree?
If there is any shred of truth to this story I would suggest for you to report the agent to the NJ Department of Banking and insurance. Real Estate agents must not have been ever convicted of any crimes and must uphold a higher standard of morals and good character in the community in order to obtain or keep their licenses. If they are ever convicted of a crime it is the law that they notify the real estate commission immediately. I don't condone drug use especially among agents who are entrusted to protect the belongings and assets of others. I suggest you report any knowledge you are in possession of ASAP.
You will be performing a service to your community and fellow home buyers/sellers.
Zack.... Based off your answer to a question specifically directed at AJ you replied saying it was directed at you. Hmmm... You're calling me paranoid-schizophrenic?
Typical reply when caught in yet another Questionable answer, sure it's easy to lash out at me and it's predictably expected when you just got busted either not paying attention and being too quick to reply negatively to a post not directed at you or both profiles are in fact yours.
Zack said "The reason I replied to you is because you've claimed to refute my posts"
NOW you're trying to save face by saying you are replying in "THIS" thread about comments in "ANOTHER" thread? So you're saying your publishing non related comments here? That is against the guidlines of this forum and sounds like a stretch!
Answers I post in a thread like most others are directly related to the question or comments made in the thread where the reply is being posted.
Are you twisting the truth again Zack? I CLEARLY directed my comment toward AJ yet you insist it was directed toward you. There is no point arguing the facts which once again you try to twist in these forums. If you can't get simple facts straight like what I've said and who it was directed to, how can you be expected to give any advice in these forums which is to be deemed valuable or truthful in any way?
Is there any other way to explain it? Anybody else here got an opinion?
BTW. You can have different IP's in the same house; it's not rocket science so who you think you’re kidding?
Have a nice day....
Zack, you're really not worth my time arguing with, gotta get back to work. Enjoy your mad ranting, that's not what I'm here for. I don't want to argue or personally attack anyone like you have below. Just ignore me Zack, AJ or whatever you wish to be called lol....
This is hilariously disturbing!
Typical reply when caught in yet another Questionable answer, sure it's easy to lash out at me and it's predictably expected when you just got busted either not paying attention and being too quick to reply negatively to a post not directed at you or both profiles are in fact yours.
Zack said "The reason I replied to you is because you've claimed to refute my posts"
NOW you're trying to save face by saying you are replying in "THIS" thread about comments in "ANOTHER" thread? So you're saying your publishing non related comments here? That is against the guidlines of this forum and sounds like a stretch!
Answers I post in a thread like most others are directly related to the question or comments made in the thread where the reply is being posted.
Are you twisting the truth again Zack? I CLEARLY directed my comment toward AJ yet you insist it was directed toward you. There is no point arguing the facts which once again you try to twist in these forums. If you can't get simple facts straight like what I've said and who it was directed to, how can you be expected to give any advice in these forums which is to be deemed valuable or truthful in any way?
Is there any other way to explain it? Anybody else here got an opinion?
BTW. You can have different IP's in the same house; it's not rocket science so who you think you’re kidding?
Have a nice day....
Zack, you're really not worth my time arguing with, gotta get back to work. Enjoy your mad ranting, that's not what I'm here for. I don't want to argue or personally attack anyone like you have below. Just ignore me Zack, AJ or whatever you wish to be called lol....
This is hilariously disturbing!
Funny how I wrote directly to 2 people and got 4 negative remarks immediately.
The funniest part is in Zack's reply he forgot which profile he was logged in under because I addressed AJ and Zack replies taking it personally, I copied his reply below just in case he decides to delete it so you all can see. You got way too much time on your hands buddy. lol... NOW THATS FUNNY!!!!
Zacks Reply
"Victor, you've refuted nothing and proven nothing to anyone other than yourself, but I do give you credit, you've really seemed to convince yourself that you've proven someone wrong.
This is seriously funny:
"Reporting my posts which oppose yours resulting in a temporarily suspended account until I contacted trulia and they saw there was no reason for the suspension."
I've been on a few threads you've been on and have never reported any of your posts. The only person's posts I've reported is Slash/Go Cubs and his next 15 iterations and obvious spam like the financing offer on the california boards today. You probably don't believe me either way, but it doesn't matter. I find it hilarious that you're crazy ranting actually got you temporarily banned. I don't think even Richard from Philly has been temporarily banned. Nice work."
The funniest part is in Zack's reply he forgot which profile he was logged in under because I addressed AJ and Zack replies taking it personally, I copied his reply below just in case he decides to delete it so you all can see. You got way too much time on your hands buddy. lol... NOW THATS FUNNY!!!!
Zacks Reply
"Victor, you've refuted nothing and proven nothing to anyone other than yourself, but I do give you credit, you've really seemed to convince yourself that you've proven someone wrong.
This is seriously funny:
"Reporting my posts which oppose yours resulting in a temporarily suspended account until I contacted trulia and they saw there was no reason for the suspension."
I've been on a few threads you've been on and have never reported any of your posts. The only person's posts I've reported is Slash/Go Cubs and his next 15 iterations and obvious spam like the financing offer on the california boards today. You probably don't believe me either way, but it doesn't matter. I find it hilarious that you're crazy ranting actually got you temporarily banned. I don't think even Richard from Philly has been temporarily banned. Nice work."
AJ 6/18/08 post ---
I always backed up what I said with facts which you just refused to accept as factual by knocking the source and then later quoting the same sources in your own posts. Hmmm..,.
Sounds like "someone" can't take it as good as they give it. You're just mad I debunked several of your attacks on the industry and realtors and are taking it way too personal.
Quit your crying and grow up, I haven't answered your post until now because "SOMEONE!!!" could be you or someone else whith multiple profiles. Reporting my posts which oppose yours resulting in a temporarily suspended account until I contacted trulia and they saw there was no reason for the suspension. I see several other harmless posts here showing as coming from a "Voices Member" which means their account was reported and suspended. You guys really need to find something better to do with your time than harrass others who oppose you.
This site is suppose to be an information resource not a propoganda machine!
John the Bruce -
Looks like you mis-read and mis-quoted another realtor twisting his handgun comment until it suites your need post another negative rant against realtors. This is referring to Carls comment about needing more policing in the industry.
I always backed up what I said with facts which you just refused to accept as factual by knocking the source and then later quoting the same sources in your own posts. Hmmm..,.
Sounds like "someone" can't take it as good as they give it. You're just mad I debunked several of your attacks on the industry and realtors and are taking it way too personal.
Quit your crying and grow up, I haven't answered your post until now because "SOMEONE!!!" could be you or someone else whith multiple profiles. Reporting my posts which oppose yours resulting in a temporarily suspended account until I contacted trulia and they saw there was no reason for the suspension. I see several other harmless posts here showing as coming from a "Voices Member" which means their account was reported and suspended. You guys really need to find something better to do with your time than harrass others who oppose you.
This site is suppose to be an information resource not a propoganda machine!
John the Bruce -
Looks like you mis-read and mis-quoted another realtor twisting his handgun comment until it suites your need post another negative rant against realtors. This is referring to Carls comment about needing more policing in the industry.
Sylvia, I couldn't possibly agree with your post more. Unfortunately I'll probably get a lot of negative marks against me for just saying that. Wonder why that is? Kinda makes you also wonder why people post here in the first place.
The new mantra is "Don’t Buy" "Real Estate and anyone related to real estate Bad", at least that seems to be the running consensuses here!
Take it with a grain of salt, these posters are not buyers, sellers or owners anyway! So there opinion doesn't really count for squat in my opinion!!! :D
The new mantra is "Don’t Buy" "Real Estate and anyone related to real estate Bad", at least that seems to be the running consensuses here!
Take it with a grain of salt, these posters are not buyers, sellers or owners anyway! So there opinion doesn't really count for squat in my opinion!!! :D
AJ... You can't have it both ways, I've once again caught you contradicting yourself by saying:
Dave- I gave very concrete statistics from the NAR
Aren't you half of the frick and frack pair who's always putting down NAR statistics because they are the evil one using make believe numbers and statistics to make realtors and the real estate industry look good?
That's what you say when anybody else quotes NAR statistics. Now you say they are concrete statistics?
Hmmmm.... Gotta remember that one! lol...
Dave- I gave very concrete statistics from the NAR
Aren't you half of the frick and frack pair who's always putting down NAR statistics because they are the evil one using make believe numbers and statistics to make realtors and the real estate industry look good?
That's what you say when anybody else quotes NAR statistics. Now you say they are concrete statistics?
Hmmmm.... Gotta remember that one! lol...
"Don't spout off on random topics to hide your lack of anything concrete to say"
Now that's pretty darn funny coming from you AJ.
Boy is that a knee slapper ;-D
Every topic you've opposed me on, I've debunked your data and associated theories which always seem to be from an investors point of view. Despite the fact most people who purchase homes are not investors.
Clear enough?
Now that's pretty darn funny coming from you AJ.
Boy is that a knee slapper ;-D
Every topic you've opposed me on, I've debunked your data and associated theories which always seem to be from an investors point of view. Despite the fact most people who purchase homes are not investors.
Clear enough?
Don't you just love the people on this site with empty profiles, probably because they have more than one spewing the same messages. You can almost tell by the style of writing which profiles are owned by the same people, it’s a propaganda machine.
Usually the only message they have is the normal real estate is bad invest in stocks line. Can you guess what they do for a living?
Use your best judgment when taking advice from others online with a good dose of common sense a little research on the advice giver and a grain of salt...
“Data is only as good as its source!” and advice is like a…. well everyone knows how that saying finishes, everyone has one!
I would advise reading any bloggers profile and comments they've made in other posts to get a reality check of where they're coming from. Sure some realtors always say real estate is great under all circumstances, at the same token the nameless ones usually stock brokers or... advise to investing in stock is a better bet then real estate. It's an ongoing pattern I've noted on this site.
Non-Realtor keep your $100 and use it to pay your rent, as a non home owner you will always have to keep paying it. OR you can always use it to buy more stock!!! Noting the case/shiller reference usually used by the stock bloggers.
SIDE NOTE: If someone chooses to purchase a home to live and grow and build their family and memories, stop quoting statistics from case/shiller and just let them.
case/shiller is comprised of incomplete old data to create statistics. The data gathered lumps sales data from large areas together to judge the “local” real estate market by stock brokers and economists. I'll break my point down to the ridiculous.
Anyone with half a brain can see real estate markets in sections of one city can vary greatly. Example: Does your town have a more desirable section and a less desirable section? Does one area sell for higher values than the other, do the homes in one area stay on the market longer than the other? I'm sure that effects sales and statistics greatly within those small areas. Do you think the real estate market in Missouri is comparible to the real estate market in the New York Tri-State Metro area? If so, you’ve just blown the case shiller train of thought and you can forget about using such a wide sweeping analysis tool to foresee how your “Local” real estate market will do.
"Real Estate is not always just a monetary investment, a point constantly overlooked by investors."
Quote by Victor Kaminski
--
Victor Kaminski
Owner / Broker Manager
Marivic GMAC Real Estate
2056A Lincoln Hwy. (Rt.27)
Edison, NJ 08817-3330
Office: 732-650-9911 Ext.302
Cellular: 908-884-5757
Toll Free: 1-866-745-GMAC(4622) Ext.302
http://www.MarivicRealty.com
http://www.realrep.com/
http://www.homes.com/Content/AgentProfileDisplay.cfm?agentid…
http://www.trulia.com/voices/profile/Real_Estate_Pro-Edison-…
http://www.city-data.com/forum/members/victorkaminski-211209.html
http://www.realrep.com/Listing/DefaultListingSummary.aspx?Sh…
http://www.city-data.com/forum/3305497-post16.html
http://www.trulia.com/voices/Home_Buying/I_m_thinking_of_pur…
http://nls.point2.com/members/US/New-Jersey/Edison/Victor-Ka…
Usually the only message they have is the normal real estate is bad invest in stocks line. Can you guess what they do for a living?
Use your best judgment when taking advice from others online with a good dose of common sense a little research on the advice giver and a grain of salt...
“Data is only as good as its source!” and advice is like a…. well everyone knows how that saying finishes, everyone has one!
I would advise reading any bloggers profile and comments they've made in other posts to get a reality check of where they're coming from. Sure some realtors always say real estate is great under all circumstances, at the same token the nameless ones usually stock brokers or... advise to investing in stock is a better bet then real estate. It's an ongoing pattern I've noted on this site.
Non-Realtor keep your $100 and use it to pay your rent, as a non home owner you will always have to keep paying it. OR you can always use it to buy more stock!!! Noting the case/shiller reference usually used by the stock bloggers.
SIDE NOTE: If someone chooses to purchase a home to live and grow and build their family and memories, stop quoting statistics from case/shiller and just let them.
case/shiller is comprised of incomplete old data to create statistics. The data gathered lumps sales data from large areas together to judge the “local” real estate market by stock brokers and economists. I'll break my point down to the ridiculous.
Anyone with half a brain can see real estate markets in sections of one city can vary greatly. Example: Does your town have a more desirable section and a less desirable section? Does one area sell for higher values than the other, do the homes in one area stay on the market longer than the other? I'm sure that effects sales and statistics greatly within those small areas. Do you think the real estate market in Missouri is comparible to the real estate market in the New York Tri-State Metro area? If so, you’ve just blown the case shiller train of thought and you can forget about using such a wide sweeping analysis tool to foresee how your “Local” real estate market will do.
"Real Estate is not always just a monetary investment, a point constantly overlooked by investors."
Quote by Victor Kaminski
--
Victor Kaminski
Owner / Broker Manager
Marivic GMAC Real Estate
2056A Lincoln Hwy. (Rt.27)
Edison, NJ 08817-3330
Office: 732-650-9911 Ext.302
Cellular: 908-884-5757
Toll Free: 1-866-745-GMAC(4622) Ext.302
http://www.MarivicRealty.com
http://www.realrep.com/
http://www.homes.com/Content/AgentProfileDisplay.cfm?agentid…
http://www.trulia.com/voices/profile/Real_Estate_Pro-Edison-…
http://www.city-data.com/forum/members/victorkaminski-211209.html
http://www.realrep.com/Listing/DefaultListingSummary.aspx?Sh…
http://www.city-data.com/forum/3305497-post16.html
http://www.trulia.com/voices/Home_Buying/I_m_thinking_of_pur…
http://nls.point2.com/members/US/New-Jersey/Edison/Victor-Ka…
Ahhh... Luv all the banter from morons with nothing better to do with their time. There is not enough time in the day for me to work and answer all your moronic comments so I wont' HATERS win as far as spreading their rhetoric. Continue....
Chandler it's been said time and time again, you don't know any better so ignore your irrational commentary. I'm not putting words in your mouth BUT!!!! But NOTHING..... you are or your not PERIOD...
Zack, I usually post on blogs like city-data.com a place where you would not last two seconds with your made up data, sources and far fetched conclusions. That goes for most of the HATERS here. City-Data.com forums do not allow advertising which is why I was shocked to see a site as popular as trulia allowing links to personal websites and plugs after articles. So don't try and twist my words.
Zack read to me only ONE of my posts which is trying to "KEEP SALES UP" as you put it. I only post facts and some opinion UNLIKE you and your negative stock broker buddies here.
John The Bruce
"You’re not going to get any clients with personal attacks like that, comrade. I never said that Realtors® are idiots; I just said they are salespeople."
My Reply: In a previous post SOMEWHERE on this site you made a post saying how any being a realtor requires no education or knowledge and pretty much that any realtors are idiots. I'm not going to waste my time looking for the post again. I did not quote your words verbatim, just summarized them.
I like how you spread your propoganda about realtors by constantly posting
It’s a great time to buy! ™
It’s different here!™
Buy now before it’s too late! ™
Interest rates are at an all-time low! ™
Real estate is a great investment! ™
How else can you get tax deductions? ™
Renting is throwing money away! ™
Real estate is local! ™
It’s the media’s fault! ™
This time it’s different! ™
Show me where those phrases are trademarked? You make a joke of them because you cannot defend against some of those remarks like real estate is local, mainly because it is. You stock market guys who look at things on a broader scope don't want to accept that because it minimalizes and debunks your "Facts and Figures / Conjecture" .
You make comments like "
Can’t we lay off the numbers, facts, market surveys, media reports, university studies and what-not so that we can focus on the truth?"
I posted facts and figures from the "LOCAL" markets which debunked your broad sweeping conjecture however in order for you to continue your propaganda I guess you really cant admit to that so I guess my words or the ACTUAL LOCAL DATA is falling on deaf ears because as you put it
"Real estate is local! ™" and we know you don't agree with that, I guess when you move you take your home with you along with all the local market conditions and reasons people choose to live in one location over another. I guess your mind opening wisdom is something the average person is just too stupid to comprehend? I guess if that is the case, you win Real estate is local! ™ has to be .... Heck I can't even guess what's going on in your mind.
If Real estate is NOT local! ™ how would you describe it?
By the way real estate is not a commodity or an investment even though many times it does end up being a great investment.
One of you also commented about real estate t"Trading" at higher rates than inflation for over 120 years?
You don't consider that stable? How long do you plan to live, let alone live in one place?
I'll try to limit my reply to the morons here in the future so you can continue spreading your propaganda. I have better things to do with my time. From now on I'll just answer the questions at hand, responding to these idiotic posts does nobody any good.
BTW.
I'm not here expecting to get clients, if you knew anything about sales its not that easy, if someone asks for help I will be glad to help them out but that's not my SOLE reason for being here. I'm also working on SEO as well trying to offer FREE NO OBLIGATION Q&A HELP for those seeking ANSWERS or OPINIONS!
Hope you don't read too much into my writings, it is what it is, nothing more... no ulterior motives NADA...
http://www.realrep.com
Chandler it's been said time and time again, you don't know any better so ignore your irrational commentary. I'm not putting words in your mouth BUT!!!! But NOTHING..... you are or your not PERIOD...
Zack, I usually post on blogs like city-data.com a place where you would not last two seconds with your made up data, sources and far fetched conclusions. That goes for most of the HATERS here. City-Data.com forums do not allow advertising which is why I was shocked to see a site as popular as trulia allowing links to personal websites and plugs after articles. So don't try and twist my words.
Zack read to me only ONE of my posts which is trying to "KEEP SALES UP" as you put it. I only post facts and some opinion UNLIKE you and your negative stock broker buddies here.
John The Bruce
"You’re not going to get any clients with personal attacks like that, comrade. I never said that Realtors® are idiots; I just said they are salespeople."
My Reply: In a previous post SOMEWHERE on this site you made a post saying how any being a realtor requires no education or knowledge and pretty much that any realtors are idiots. I'm not going to waste my time looking for the post again. I did not quote your words verbatim, just summarized them.
I like how you spread your propoganda about realtors by constantly posting
It’s a great time to buy! ™
It’s different here!™
Buy now before it’s too late! ™
Interest rates are at an all-time low! ™
Real estate is a great investment! ™
How else can you get tax deductions? ™
Renting is throwing money away! ™
Real estate is local! ™
It’s the media’s fault! ™
This time it’s different! ™
Show me where those phrases are trademarked? You make a joke of them because you cannot defend against some of those remarks like real estate is local, mainly because it is. You stock market guys who look at things on a broader scope don't want to accept that because it minimalizes and debunks your "Facts and Figures / Conjecture" .
You make comments like "
Can’t we lay off the numbers, facts, market surveys, media reports, university studies and what-not so that we can focus on the truth?"
I posted facts and figures from the "LOCAL" markets which debunked your broad sweeping conjecture however in order for you to continue your propaganda I guess you really cant admit to that so I guess my words or the ACTUAL LOCAL DATA is falling on deaf ears because as you put it
"Real estate is local! ™" and we know you don't agree with that, I guess when you move you take your home with you along with all the local market conditions and reasons people choose to live in one location over another. I guess your mind opening wisdom is something the average person is just too stupid to comprehend? I guess if that is the case, you win Real estate is local! ™ has to be .... Heck I can't even guess what's going on in your mind.
If Real estate is NOT local! ™ how would you describe it?
By the way real estate is not a commodity or an investment even though many times it does end up being a great investment.
One of you also commented about real estate t"Trading" at higher rates than inflation for over 120 years?
You don't consider that stable? How long do you plan to live, let alone live in one place?
I'll try to limit my reply to the morons here in the future so you can continue spreading your propaganda. I have better things to do with my time. From now on I'll just answer the questions at hand, responding to these idiotic posts does nobody any good.
BTW.
I'm not here expecting to get clients, if you knew anything about sales its not that easy, if someone asks for help I will be glad to help them out but that's not my SOLE reason for being here. I'm also working on SEO as well trying to offer FREE NO OBLIGATION Q&A HELP for those seeking ANSWERS or OPINIONS!
Hope you don't read too much into my writings, it is what it is, nothing more... no ulterior motives NADA...
http://www.realrep.com
Bella Vista is the perfect example of another sort of real every day sort of folks which we are here to help and enjoy home ownership and or retirement, he gave his reasons why and NOBODY can argue with them. PERIOD…
Bravo Bella Vista you said a mouth full.
http://www.realrep.com
Bravo Bella Vista you said a mouth full.
http://www.realrep.com
John The Bruce: What an interesting Character you are!
You stock brokers in disguise; the HATERS on this site are pitiful.
At what point did a switch go off in your head that buying or selling a home had to be a money making proposition as an owner?
You seem to like the medieval times, back then it was not the purpose either. Sure there is money to be made but you are not looking through the eyes of the average home owner who purchases a home to “LIVE” in make a FAMILY, live life to the fullest, grow old together in and at some point sell to move somewhere with better weather, less congestion, lower cost of living being away from the metro areas and lead a fulfilling life. Have you forgotten all about that “Angle”?
John The Bruce:
You’ve stated in the past or maybe it could have been one of your cohorts here that being a Realtor is a profession for idiots. That being the case are saying that you could have been so stupid and timid that as Realtor, someone of such low mental capacity in comparison to you could have possibly forced or convince you to sign a contract (several copies in many places over and over again), last through the attorney review period, lay out cash for the home inspection and insurance and so on… all of which takes 30-45 days to complete and you could not muster up the courage or smarten up enough to say I don't want to buy this house which you were tricked into purchasing?
Is that what we are to believe?
Come on John, we are more than salespeople I can't speak for all realtors so I'll speak for the good ones. We are marketing experts as well as professionals who take pride in what we do and have taken an oath to protect the best interest of our clients and act honestly and just, not just "Force" or Trick people to buy a home they do not wish to purchase, that's just ridiculous and the statement makes you sound foolish.
Several of the comments I've made here are in regards to ones you guys seem to be throwing around just about every blog thread and post in regards to downing realtors, people purchasing real estate and making statements like real estate is never a good investment. My comments are turning into rants about idiotic posts made by a small crowed that seems to frequent these blogs with a mission against realtors and the industry as a whole and against purchasing real estate period. I wonder why that is? Actually I don’t, you’re probably a stock broker of some sort!
Realtors are always addressing the numbers, facts and trends and I have proven several you guys wrong many times over the last few days alone in these blogs. Yet the HATERS continue their irate banter with little or no basis for argument, just cutting and pasting bits and pieces of information from others writings piecing together unrelated, incomplete and outdated data and drawing conclusions somehow from it trying to rationalize that real estate is big bad enemy… This is misleading to the general public, at least state what you do for a living here, you can remain a nameless and faceless shadow commenter. ;-D
I can understand why realtors frequent these blogs: They offer help and assistance to the public in hopes of being recognized embracing new forms of media and public contact as a knowledgeable helpful professionals whom others can count on for assistance when they are READY to purchase or sell a home at a time they feel is right for them.
What’s your excuse for being obsessed with this site?
Now why are the HATERS here?
HATERS = People who constantly bash realtors, the real estate industry, home ownership in general trying to prove to the public the stock market is a better investment if you can imagine that roller coaster being a predictable good investment. lol.... NOW THAT IS FUNNY!!!
John The Bruce
Chandler
AJ
Zack
Don’t Buy
And several others….
http://www.realrep.com
You stock brokers in disguise; the HATERS on this site are pitiful.
At what point did a switch go off in your head that buying or selling a home had to be a money making proposition as an owner?
You seem to like the medieval times, back then it was not the purpose either. Sure there is money to be made but you are not looking through the eyes of the average home owner who purchases a home to “LIVE” in make a FAMILY, live life to the fullest, grow old together in and at some point sell to move somewhere with better weather, less congestion, lower cost of living being away from the metro areas and lead a fulfilling life. Have you forgotten all about that “Angle”?
John The Bruce:
You’ve stated in the past or maybe it could have been one of your cohorts here that being a Realtor is a profession for idiots. That being the case are saying that you could have been so stupid and timid that as Realtor, someone of such low mental capacity in comparison to you could have possibly forced or convince you to sign a contract (several copies in many places over and over again), last through the attorney review period, lay out cash for the home inspection and insurance and so on… all of which takes 30-45 days to complete and you could not muster up the courage or smarten up enough to say I don't want to buy this house which you were tricked into purchasing?
Is that what we are to believe?
Come on John, we are more than salespeople I can't speak for all realtors so I'll speak for the good ones. We are marketing experts as well as professionals who take pride in what we do and have taken an oath to protect the best interest of our clients and act honestly and just, not just "Force" or Trick people to buy a home they do not wish to purchase, that's just ridiculous and the statement makes you sound foolish.
Several of the comments I've made here are in regards to ones you guys seem to be throwing around just about every blog thread and post in regards to downing realtors, people purchasing real estate and making statements like real estate is never a good investment. My comments are turning into rants about idiotic posts made by a small crowed that seems to frequent these blogs with a mission against realtors and the industry as a whole and against purchasing real estate period. I wonder why that is? Actually I don’t, you’re probably a stock broker of some sort!
Realtors are always addressing the numbers, facts and trends and I have proven several you guys wrong many times over the last few days alone in these blogs. Yet the HATERS continue their irate banter with little or no basis for argument, just cutting and pasting bits and pieces of information from others writings piecing together unrelated, incomplete and outdated data and drawing conclusions somehow from it trying to rationalize that real estate is big bad enemy… This is misleading to the general public, at least state what you do for a living here, you can remain a nameless and faceless shadow commenter. ;-D
I can understand why realtors frequent these blogs: They offer help and assistance to the public in hopes of being recognized embracing new forms of media and public contact as a knowledgeable helpful professionals whom others can count on for assistance when they are READY to purchase or sell a home at a time they feel is right for them.
What’s your excuse for being obsessed with this site?
Now why are the HATERS here?
HATERS = People who constantly bash realtors, the real estate industry, home ownership in general trying to prove to the public the stock market is a better investment if you can imagine that roller coaster being a predictable good investment. lol.... NOW THAT IS FUNNY!!!
John The Bruce
Chandler
AJ
Zack
Don’t Buy
And several others….
http://www.realrep.com
Chandler: "I m just trying to get an accurate estimate of cost of ownership while you seem to be implying we should only look at the selling/buying price. "
My Reply: Don’t put words in my mouth, that was NEVER said. Now you're defense is to act like an angel protecting the best interest of the people you are advising on these blogs?
What do you do for a living Chandler?
Chandler: "That’s just ridiculous. Do you know what will happen to property prices? Sure landlords will have land. Who is going to buy them if theres no money going around?"
Answer:
You guys have a one track stock trader mentality, why MUST a land owner sell their land?
"Do I know what will happen to property prices?" NO and neither do you! Someone mentioned that real estate has been a bad investment for the last 120 years because it has been trading at .04% above the inflation rate!!! That sounds like a good investment to me historically speaking if it can hold that position for 120 years!!! How long do you think you will live? Do I even need to go further with these answers?
Chandler: you must have mis-read my comments, by stating "I didn't say I can't afford it”
Well I didn't say you can’t afford anything, I don't know you or your financials. I said perhaps if all the future costs of home ownership cannot be predicted for you and placed into a purchase closing HUD1 statement and that is a major concern to you as it seems to be. You called realtors sleazy because these costs were not included in up front estimates than perhaps home ownership was not right for YOU!
"I fail to see where the "sleazy trick" is?"
Refer to my explanation above. The sleazy trick lies in the fact that she conveniently ignores the other costs involved n home ownership which is not involved in renting.
My Reply: No sleazy trick Chandler, maybe you should continue to rent because YOU rather not pay any other expenses to have a roof over your head associated with home ownership!
You said: "At the minimum, 1% of home value should be added for maintenance every year."
Where do you get those figures from? I'd like to see that breakdown.
A $350,000 house x 1% = $3,500
Are you cutting your own grass? Getting new shrubs installed every year? Repainting the inside of your home regularly? Where did that figure come from?
$500,000 x 1% = $5,000 yearly You are throwing money out the window somewhere but I hope your not counting the heating, cooling, water, home owner insurance and cable TV bills and maintenance. Are you?
You said: “IF I buy a house and sell next day, I will definitely making a loss”
Reply: Of course, that goes for just about anything and is a stupid statement because who the heck in their right mind would do that other than someone who has been watching WAY TOO MUCH HGTV flip this and that shows?
You said: “Once you have that period of time for analysis , you have to include the interest paid in the cost of the house. Sandra, didn't mention any time period. But rest assured, even if you hold the house for one month, the interest paid has to be added to the total cost.”
My Reply: Consider the interest paid, the same as renting, it’s money will probably never get back however with home ownership if you sell in an up market you can actually make money which you cannot do with RENTING!!! ;-)
I will flip you to my side yet… Isn’t flipping fun? Lol..
http://www.realrep.com
My Reply: Don’t put words in my mouth, that was NEVER said. Now you're defense is to act like an angel protecting the best interest of the people you are advising on these blogs?
What do you do for a living Chandler?
Chandler: "That’s just ridiculous. Do you know what will happen to property prices? Sure landlords will have land. Who is going to buy them if theres no money going around?"
Answer:
You guys have a one track stock trader mentality, why MUST a land owner sell their land?
"Do I know what will happen to property prices?" NO and neither do you! Someone mentioned that real estate has been a bad investment for the last 120 years because it has been trading at .04% above the inflation rate!!! That sounds like a good investment to me historically speaking if it can hold that position for 120 years!!! How long do you think you will live? Do I even need to go further with these answers?
Chandler: you must have mis-read my comments, by stating "I didn't say I can't afford it”
Well I didn't say you can’t afford anything, I don't know you or your financials. I said perhaps if all the future costs of home ownership cannot be predicted for you and placed into a purchase closing HUD1 statement and that is a major concern to you as it seems to be. You called realtors sleazy because these costs were not included in up front estimates than perhaps home ownership was not right for YOU!
"I fail to see where the "sleazy trick" is?"
Refer to my explanation above. The sleazy trick lies in the fact that she conveniently ignores the other costs involved n home ownership which is not involved in renting.
My Reply: No sleazy trick Chandler, maybe you should continue to rent because YOU rather not pay any other expenses to have a roof over your head associated with home ownership!
You said: "At the minimum, 1% of home value should be added for maintenance every year."
Where do you get those figures from? I'd like to see that breakdown.
A $350,000 house x 1% = $3,500
Are you cutting your own grass? Getting new shrubs installed every year? Repainting the inside of your home regularly? Where did that figure come from?
$500,000 x 1% = $5,000 yearly You are throwing money out the window somewhere but I hope your not counting the heating, cooling, water, home owner insurance and cable TV bills and maintenance. Are you?
You said: “IF I buy a house and sell next day, I will definitely making a loss”
Reply: Of course, that goes for just about anything and is a stupid statement because who the heck in their right mind would do that other than someone who has been watching WAY TOO MUCH HGTV flip this and that shows?
You said: “Once you have that period of time for analysis , you have to include the interest paid in the cost of the house. Sandra, didn't mention any time period. But rest assured, even if you hold the house for one month, the interest paid has to be added to the total cost.”
My Reply: Consider the interest paid, the same as renting, it’s money will probably never get back however with home ownership if you sell in an up market you can actually make money which you cannot do with RENTING!!! ;-)
I will flip you to my side yet… Isn’t flipping fun? Lol..
http://www.realrep.com
I have a suspicion that it several of the negative people here appear to be creating multiple profiles just to instigate arguments and support their own comments under another profile name.
Interesting...
Like some of the profile names of the negative people by the way, I also wonder why they have never made a positive comment about real estate especially in opposition to stocks?:
Don't Buy
AJ
Zack
Chen
Dr. Chen
John The Bruce (Noticed only one positive comment towards a realtor was a beautiful one. lol...)
What will you all do if there some catastrophe happens that brings down Wall Street, the computers and destroys any system backups? Besides go broke?
Landlords, will still own land, it may shift or crack but its still there and people will always need a place to live! Short of it breaking off and falling into the ocean their investment is pretty secure. Even if property values fall, the rents won't.
http://www.realrep.com
Interesting...
Like some of the profile names of the negative people by the way, I also wonder why they have never made a positive comment about real estate especially in opposition to stocks?:
Don't Buy
AJ
Zack
Chen
Dr. Chen
John The Bruce (Noticed only one positive comment towards a realtor was a beautiful one. lol...)
What will you all do if there some catastrophe happens that brings down Wall Street, the computers and destroys any system backups? Besides go broke?
Landlords, will still own land, it may shift or crack but its still there and people will always need a place to live! Short of it breaking off and falling into the ocean their investment is pretty secure. Even if property values fall, the rents won't.
http://www.realrep.com
Joe P. you may get no takers because the agent may not be aware unless the seller contacted them to let them know they were in trouble, not paying their bills, in need of selling or otherwise.
Any good realtor would try to help the person by seeing if they can renegotiate the terms of the owners loan agreement with the mortgage company, try to refi or as last option suggest a short sale to AVOID FORCLOSURE!
http://www.realrep.com
Any good realtor would try to help the person by seeing if they can renegotiate the terms of the owners loan agreement with the mortgage company, try to refi or as last option suggest a short sale to AVOID FORCLOSURE!
http://www.realrep.com
If you'd like to call owning a co-op truly owning, its like owning stock in a home.
That's why they are MUCH cheaper than if you owned the property 100% and on top of it you also probably have a large monthly co-op fee and suprise repair fees you need to contribute to. No wonder you're sour!
But either way, WHY on earth would you buy real estate when you could have purchased Microsoft Stock?
lol...
Note: Tongue-in-Cheek
Not here to fight guys, but not here to take crap from know it alls either! Not referring to anyone in particular, there are quite a few wise guy haters on this site compelled to discourage anyone else from ever buying a home AKA "The American Dream™" so the consiracists can relate lol....
http://www.realrep.com
That's why they are MUCH cheaper than if you owned the property 100% and on top of it you also probably have a large monthly co-op fee and suprise repair fees you need to contribute to. No wonder you're sour!
But either way, WHY on earth would you buy real estate when you could have purchased Microsoft Stock?
lol...
Note: Tongue-in-Cheek
Not here to fight guys, but not here to take crap from know it alls either! Not referring to anyone in particular, there are quite a few wise guy haters on this site compelled to discourage anyone else from ever buying a home AKA "The American Dream™" so the consiracists can relate lol....
http://www.realrep.com
Chandler, there are always costs involved with home ownership, if the concept of every penny of future possible costs and valuation predictions not being supplied is a concern perhaps home ownership is not for you. Stick with renting!
Chandlers Quote
"You know we do pay interest on mortgage which should be added to the cost of the house. "
FYI:
Unless you can tell anyone exactly how long you will be living in the home you purchase, factoring the mortgage interest paid into the total cost of ownership is hard to do but at the same token your mortgage company WILL give you a printout showing throughout the term of your loan at any given month how much you have paid in interest and how much has gone toward the principal payment. So there is no deception involved.
LENDING LAWS AND PRACTICES
===========================
TRUTH IN LENDING (REGULATION Z) LAW
http://www.fdic.gov/regulations/laws/rules/6500-1400.html
FAIR LENDING ACT INFORMATION
http://www.hud.gov/offices/fheo/lending/index.cfm
MORTGAGE LAW
http://www.realestatelawyers.com/Mortgage-Law.cfm
http://en.wikipedia.org/wiki/Mortgage
It would be impossible for anyone to foresee "possible" future repairs a home "might" need, also the cost of maintaining a home can vary tremendously from one person to the next. That all depends on the level of maintenance you are considering. Some people take great care of their homes and constantly are improving them while others barely can cut their grass.
I fail to see where the "sleazy trick" is? Also maintenance cost have ablosutely nothing to do with foreclosures, you may notice many foreclosed homes have not been well maintained....
Many people are experiencing foreclosers because it because too easy for anyone to get a loan, 100% financing programs for example, or loans meant for builders to purchase homes, fix up and resell have been used by people to purchase a home they planned to live in for the next 10 years.
Between ignorant purchasers, mortgage reps recommending the wrong kind of loans and maxed out market values it was only a matter of time that something had to give.
Everyone must take responsibilities for their own actions not cast blame onto others, but hey it's part of the biz, I take the comments with a grain of salt...
I notice for a real estate site there are a lot of people who write about how much they oppose home ownership or those in the industry providing the possibility, that's just strange.
But there are a lot of strange characters in the world, take AJ's comments for example coming from out of left field. I guess he's a stock market guy, they always oppose real estate as an investment because when people are not investing in the stock market, they invest in real estate and visa versa. These are the same guys who always bash realtors as well. I wonder if any of them own homes or real estate or if they are just renters? hmmm.... lol
Take care, don't worry be happy... Peace..Love...Happiness...
http://www.realrep.com
Chandlers Quote
"You know we do pay interest on mortgage which should be added to the cost of the house. "
FYI:
Unless you can tell anyone exactly how long you will be living in the home you purchase, factoring the mortgage interest paid into the total cost of ownership is hard to do but at the same token your mortgage company WILL give you a printout showing throughout the term of your loan at any given month how much you have paid in interest and how much has gone toward the principal payment. So there is no deception involved.
LENDING LAWS AND PRACTICES
===========================
TRUTH IN LENDING (REGULATION Z) LAW
http://www.fdic.gov/regulations/laws/rules/6500-1400.html
FAIR LENDING ACT INFORMATION
http://www.hud.gov/offices/fheo/lending/index.cfm
MORTGAGE LAW
http://www.realestatelawyers.com/Mortgage-Law.cfm
http://en.wikipedia.org/wiki/Mortgage
It would be impossible for anyone to foresee "possible" future repairs a home "might" need, also the cost of maintaining a home can vary tremendously from one person to the next. That all depends on the level of maintenance you are considering. Some people take great care of their homes and constantly are improving them while others barely can cut their grass.
I fail to see where the "sleazy trick" is? Also maintenance cost have ablosutely nothing to do with foreclosures, you may notice many foreclosed homes have not been well maintained....
Many people are experiencing foreclosers because it because too easy for anyone to get a loan, 100% financing programs for example, or loans meant for builders to purchase homes, fix up and resell have been used by people to purchase a home they planned to live in for the next 10 years.
Between ignorant purchasers, mortgage reps recommending the wrong kind of loans and maxed out market values it was only a matter of time that something had to give.
Everyone must take responsibilities for their own actions not cast blame onto others, but hey it's part of the biz, I take the comments with a grain of salt...
I notice for a real estate site there are a lot of people who write about how much they oppose home ownership or those in the industry providing the possibility, that's just strange.
But there are a lot of strange characters in the world, take AJ's comments for example coming from out of left field. I guess he's a stock market guy, they always oppose real estate as an investment because when people are not investing in the stock market, they invest in real estate and visa versa. These are the same guys who always bash realtors as well. I wonder if any of them own homes or real estate or if they are just renters? hmmm.... lol
Take care, don't worry be happy... Peace..Love...Happiness...
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Real Estate and Multimedia MARKETING SPECIALIST including Online Marketing, Marketing Statistics Research and Analysis from print media to tv, radio, web.
Residential Home Sales:
Land Sales, New Construction Sales, Resale Homes, Condominiums, REO property management and sales, BPO's (CMA's for Banks), Short / Pre-Foreclosure Sales / Foreclosure Avoidance, Luxury Property
Global Relocation
Corporate Global Relocation
Marketing / Sales
Retail Space
Commercial Real Estate
Business Brokering
Residential Home Sales:
Land Sales, New Construction Sales, Resale Homes, Condominiums, REO property management and sales, BPO's (CMA's for Banks), Short / Pre-Foreclosure Sales / Foreclosure Avoidance, Luxury Property
Global Relocation
Corporate Global Relocation
Marketing / Sales
Retail Space
Commercial Real Estate
Business Brokering
Experience
Latest:
Owner / Broker Associate Manager for Marivic GMAC Real Estate
Knowlegable, Self Educated by reading, attending classes and observing others intensively and teaching others coupled with a Massive dose of Integrity (No Tag Lines Here!), Honesty and Good 'oL Fasioned Hard Work!!!
January 2003—present
Certifications & Awards
Global Corporate Relocation Rookie of the Year 2007
Senior Residential Specialist
Certified New Construction Specialist
Residential Construction Certified
Senior Residential Specialist
Certified New Construction Specialist
Residential Construction Certified
Interests
Real Estate ;-)
Web Development wish I was better with the graphic design
Quads / ATV's
Riding Motorcyles
Hot Rods (The real ones, Made in America before the 80's)
Building Hot Rods, restoring classics.
Camping (The real kind, no winnebego Real Roughing it...)
Web Development wish I was better with the graphic design
Quads / ATV's
Riding Motorcyles
Hot Rods (The real ones, Made in America before the 80's)
Building Hot Rods, restoring classics.
Camping (The real kind, no winnebego Real Roughing it...)
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