Coffey Caesar Real Estate Firm

AWeber Email Marketing

2011-10-21T15:01:00.000-05:00

Get Started Today For Only $1! - AWeber Communications

Ideal Mobile Marketing

2011-10-20T14:02:00.002-05:00

NAR Testifies Before Congress that the Government Plays Valuable Role in Homeownership

2011-10-18T09:10:00.000-05:00

Mortgage lenders to get more insight into borrowers' pasts

2011-10-15T15:56:00.000-05:00

Mortgage lenders to get more insight into borrowers' pasts
Rental applications, child support payments to be factored into new credit reports
By Inman News
Inman News™

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Mortgage lenders will soon have access to new details about a prospective borrower's past -- such as past rental applications, inquiries to pay-day lenders, and missed child support payments -- that will be factored in to a new credit score.

Real estate and mortgage data aggregator CoreLogic says it's signed an agreement to work with Fair Isaac Corp., the owner of the widely used FICO score, to develop new credit risk scores for the U.S. mortgage industry.

Much of the data CoreLogic collects on consumers hasn't been available from traditional credit reporting agencies but is important to mortgage lenders, the company said.

CoreLogic says it will serve as a "supplemental credit repository," augmenting data provided by TransUnion, Equifax and Experian with property ownership and mortgage obligation records, property legal filings and tax payment status, rental applications and evictions, inquiries and charge-offs from pay-day and online lenders, and consumer-specific bankruptcies, liens, judgments and child support obligations.

The Santa Ana-based company will generate a CoreScore Credit Report for lenders to alert them to bad debts that might previously have gone undiscovered. The reports may also help some consumers by identifying previously hidden credit history that reflects well on them, the company said.

CoreScore consumer information will be "instantly merged" with traditional credit report data "in a single, integrated report only available from CoreLogic," the company said in announcing the new reports last week.

At that time, it was unclear whether the CoreScore reports would also be used to calculate borrower's FICO scores.

Today, CoreLogic and Fair Isaac announced that they plan to offer mortgage lenders a "credit scoring solution" that will combine data from CoreScore reports with Fair Isaac's FICO 8 Mortgage Score. That product will serve as the basis for future solutions that "deliver additional loan level insight and support more intelligent and consistent lending decisions," the companies said.

A spokeswoman for CoreLogic told Inman News that the FICO 8 Mortgage Score "will likely be an input" to a new score that will be provided along with the CoreScore Credit Report. There are no plans to update the FICO 8 Mortgage score itself to use the additional CoreLogic data, she said.

So lenders purchasing services from CoreLogic Credco will get back two scores: The score or scores they use for decisions today, such as the FICO 8 Mortgage Score or classic FICO score, plus a new score that uses the value of FICO 8 Mortgage Score and the CoreScore data.

"By blending the unique data from CoreLogic with the analytic expertise of FICO, we will be able to deliver a new and more predictive credit score with our recently launched CoreScore Credit Report," said Tim Grace, senior vice president of Product Management and Analytics for CoreLogic, in a statement. "Together, this new credit report and credit score will provide the mortgage industry with increased visibility into consumer credit behavior and improved credit risk analysis."

Contact Inman News:

CCREF newsletter

2011-01-10T11:18:00.001-06:00

Welcome to the most current Housing Trends eNewsletter. This eNewsletter is specially designed for you, with national and local housing information that you may find useful whether you’re in the market for a home, thinking about selling your home, or just interested in homeowner issues in general.

Please click on this link to view the DECEMBER-2010 Newsletter Housing Trends eNewsletter:
http://coffeycaesarrealestatefirm.housingtrendsenewsletter.com?Newsletter_ID=256&Period_ID=313

The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. Census Bureau, Realtor.org reports and other sources.

It also includes press releases with charts and videos, key market indicators and real estate sales and price statistics, a video message by a nationally recognized economist, maps, mortgage rates and calculators, consumer articles, plus local neighborhood information and more.

If you are interested in determining the value of your home, click the “Home Evaluator” link for a free evaluation report:
http://coffeycaesarrealestatefirm.housingtrendsenewsletter.com?Newsletter_ID=256&Period_ID=313

Sound decisions can only be made with accurate and reliable information, and I am happy to be a trusted resource for you. Thank you for the opportunity to provide you with this monthly eNewsletter, and I look forward to answering any questions you may have and to the opportunity to be your REALTOR® in the future.
Sincerely yours,

Coffey Caesar
Coffey Caesar Real Estate Firm
1402 Corinth St. #125 Dallas
TX 75215
214-609-2031 | 972-768-7521
Email:ccref@ccref.net

(While I hope you find the information contained in this eNewsletter useful and informative, if you wish to no longer receive it, you may click on the “unsubscribe” link at the bottom of the newsletter.)

2011-01-10T10:37:00.002-06:00

Show Your Support for FHA

2011-01-10T10:08:00.000-06:00

Show Your Support for FHA

FHA supports home values by providing a steady source of mortgage financing for families across the country, but critics worry it has taken on too much risk. Read

Visit houselogic.com for more articles like this.

http://myemail.constantcontact.com/-Open-House-----Pre-View-.html?soid=1103529991344&aid=wSf0eFhe85A

2011-01-06T17:21:00.002-06:00

OPEN HOUSE
Sat. Jan. 8th, 2011
1pm - 4pm
Come pre-view this lovely home and enjoy some fresh baked goodies.
see you there

Clean Slate Credit Service

2011-01-02T22:05:00.004-06:00

It's a new year and it's time for us to clean up our credit and get ready for this fantastic year ahead of us. I can feel it, just like you can, it's gonna be a GREAT YEAR! So let's get ready to do great things, weather starting a business, venturing out and beginning a passive income producing business, buying a new home, a 2nd home, saving for your child's college, taking that long overdue vacation or cruise; it's time to get your credit back to normal.
There is help...Clean Slate Credit Service, "640 or Free". Founded with one vision in mind, to help clients separate their damaging past from their promising future.

Did you Know...
that one late payment can drop your score by 80 or more points? Has this happened to you? If your credit score is suffering in today's economy, we can help.
Clean Slate is the only credit restoration program that guarantees results or service is free.
www.640orfree.com/ccref

http://myemail.constantcontact.com/Happy-New-Year-from-Coffey-Caesar-Real-Estate-Firm.html?soid=1103529991344&aid=lChVKjadXS8

2011-01-02T21:43:00.000-06:00

http://myemail.constantcontact.com/Happy-New-Year-from-Coffey-Caesar-Real-Estate-Firm.html?soid=1103529991344&aid=lChVKjadXS8

First Time Home Buyer (Be Home For the Holidays)

2010-11-06T19:10:00.004-05:00

First Time Home Buyer gives you the advantage of receiving specific services that are now available today.
There are lenders who understand the process and sensitivity of the first time home buyer and their needs.
There are many programs ready to assist the first time home buyer transition from being a renter into a home owner. Ask your Realtor at CCREF for handouts on these interesting subjects and please don't forget to write down all your questions and ask either your Realtor and or your lender, never forgetting we are working with you and for you. "Opening Doors to Home Ownership, One Closing At A Time".
"By Wisdom a House is Built, and Through Understanding It Is Established".

First Time Home Buyer (Be Home For the Holidays)

2010-11-06T18:24:00.007-05:00

Yes, you can Be Home For the Holidays to entertain your family and friends in your own home. Just think about it, a home of your own, as a First Time Home Buyer, you can do it. We need to get started today, following the steps outlined in this article and we can soon be transferring the keys to your new home. At CCREF "We Close To Please" and look forward to your house-warming and holiday dinner in your brand new home.

First Time Home Buyer is a great place to be today. Home incentives are abundantly available. It is definitely a buyer's market so the first time home buyer can really get a good deal today.

Ok so how does the process take place and how can we get you in your new home for the holidays? First all contact your Realtor for life, Coffey Caesar Real Estate Firm, and let's start our discuss your unique situation and discover your specifics.What is it that you want in your new home, number of bedrooms, location, school district, bathroom, how many living areas, garage spaces, walk-in closet, laundry room or not, and most of all the budget. I prefer to do this in person if you are local, however, we can talk effectively by phone and internet. What is the cost of the home you want to purchase or what is a comfortable monthly mortgage payment you want to make? So what is the price we will be working with. At the present, understand, if you have talked to a lender, tell us, if not then we are going to put you in touch with several lenders to get your pre-qualified.
After talking about your lender, we will know the budget (meaning the price of the house you will be looking to purchase). To make a full loan application, many lenders will require you to do this online, you don't have to even leave home. However, I do suggest, after getting pre-qualified, set an appointment with the lender of your choice to meet face to face, because we will all be working together for a long time. Don't forget to ask about down payment assistance, closing cost help and the different loan programs today for first time home buyer.

Now let's go house shopping. We know the budget, we know the specifics you want. preferably I as your Realtor will give you a list of home, the best of in the price range you have specified. You can go out with the your family and do what I call a "drive-by". Just looking at the outside of the home, this is after you have narrowed down the initial list. Just drive by and at location, neighborhood, and the outside of the house. Write down features you like so you can discuss them later (pretty shutters, nice color, great landscape, even note colors). Relay this info to your Realtor and your Realtor will make appointments for you and she to have a look at the properties on a specific day and time at a formal showing.
After the showing, narrow the list again to the properties you really like and if needed have a second showing to narrow to the one you want to make an offer on. Discuss with your Realtor, if needed ask your CCREF agent for comps to arrive at an offer price. Make your offer, which will be presented by your Realtor. You can negotiate if needed on price and terms, talk to your CCREF.

After your offer is accepted, you are in contract. In the meantime, your lender is also working on your loan at the same time. And the title company is working on the title work all simultaneously. Get the inspection, negotiate the repairs with your Realtor's help (if warranted, if its a HUD or as, it's just that, as-is, no repairs). But still, have an inspection either way, at least you will know what the issues are with your new purchase and you can use inspection report as a to do list after you move in.

The lender will ask you for the appraisal money and will order the appraisal. the title company will need a copy of the insurance, you can usually get a discount if you go thru your car insurance agent for multiple policies. Check with your agent.
We are ready to go to close, remember to bring your ID and all funds needed to close should be in the form of a cashier's check payable to the title company, you'll know this in advance by your Realtor and or lender. If married, you both need to be in attendance to sign the docs.

Congratulation, you are a First Time Home Buyer and we did it all easily and expediently. Yes you can Be Home For the Holidays. Click here to see what we have to offer or clients.

Coffey Caesar Real Estate Firm is a local real estate company with an international scope. We are very conscious of diversity and work well locally, statewide, nationally and internationally. We work to give the highest and best service to our clients and customers. 15 years as an agent in real estate and the last 4 yrs as a brokerage firm. We are designated as a CIPs (Certified International Property Specialist) and TAHS (Texas Affordable Housing Specialist). We especially like working with the First Time Home Buyer. "Opening Doors to Home Ownership, One Closing At a Time".I am sold out on Real Estate and you will be too.
www.ccref.net
email: ccref@ccref.net

"Just a Reminder...Hire a Realtor"

2010-09-06T12:32:00.004-05:00

Is a Specialized Real estate professional Needed When Purchasing Or Selling a Property?

Author: JenniferGarner0908

Individuals searching to either buy or sell a residence might be thinking about doing so with out the assistance of an agent. It most likely appears understandable to several possible buyers and sellers that, in the current economy, they should save some money and move forward with out a realtor. You can find a lot of motives, nevertheless, why the assistance of a realtor is required whether or not you happen to be buying or offering a residence.

If you are buying a house, the first thing you need to be conscious of is how included the process is. For many who aren't mindful of everything which has to accomplish with buying a home, it truly is a shock that it takes so long to have all with the inspections and paperwork completed. An agent can manage this course of action quickly and effectively, and lots of folks find out that they could not have done it without having the assist of a qualified. Individuals who are not specialists inside the region of actual estate, may locate the language utilised and also the regulations adopted to become relatively foreign to them. The homebuyer should not be stunned if they really feel perplexed; specialists understand the regulations and also the terms becoming utilised. The difficult technique included in buying a residence can make a pro realtor very useful towards the homebuyer. The thoughtful and objective input of the real estate agent may be just what you require during the excitement of getting a house.

Should you be promoting a residence, you have to also be ready for just a little bit of hassle. Realtors go by means of this process on a regular basis; they will pilot you via it with no trouble. For example, realtors know what is reasonable to need of the seller, and what ought to be the buyer's responsibility. Realtors also know what folks are searching for, and can provide recommendations to property owners about updates or modifications that might make their property far more desirable. Furthermore, they've access on the most existing statistical details about communities, and also the newest homes around the marketplace. The paperwork that must be filled out and the method that must be followed are unquestionably complicated; the real estate agent requires liability for all of the. In addition, negotiating the best deal for their client is their employment. Finally, there may well be additional to perform following the closing is finished; your specialist real estate professional will take care of this for you personally as well.

Inside the extended operate, it truly is up for the person to choose for himself whether or not to employ an expert real estate agent. The individual should to check out the benefits of working with the agent prior to making a choice possibly way. The demanding nature of purchasing or promoting a home is obvious. Realtors make individuals experiences simpler, and for your vast majority of individuals that is cause sufficient to possess 1 in their corner.

Get the list of Homes for sale in Dallas Forth Worth TX and read a lot more about fantastic cities in beautiful Dallas-Forth Worth, TX. Finding a home might be hard, and even tougher in the event you do not know the area it's located in. These web sites are incredibly useful and have made it effortless to locate Homes for sale in Dallas Fort Worth Metroplex .

Article Source: http://www.articlealley.com/article_1726762_33.html

www.coffeycaesarrealestatefirm.com your DFWRealtors.

Travel to Mexico San Antonio Business Journal

2010-09-03T19:23:00.002-05:00

Friday, August 27, 2010

Travel to Mexico is on the upswing, report shows

San Antonio Business Journal

Mexico experienced a 35.2 percent increase in tourist travel this summer compared to the same time last year, according to a new report released by the Mexico Tourism Board.

Some 818,278 tourists from different nationalities visited Mexico in June 2010, compared to 605,435 who visited the country in June 2009. Of those, 573,016 travelers arrived by air from the United States, representing a 23.7 percent growth over June 2009. Another 41,184 tourists arrived from Canada in June, compared to 21,322 in June 2009.

“We feel these numbers are evidence of the strength and quality of Mexico’s destinations,” says Mexico Secretary of Tourism Gloria Guevara. “Despite all that’s going on in the world today, the traveler knows he or she can come to Mexico and find unique, vacation experiences offering not only our famous sun and beach destinations, but the chance for archeological, culinary and artistic experiences as well. Mexico is the only place on the earth where you can experience all that in a single trip.”

Mexican tourism officials note that part of the increase in travel is due to AeroMexico’s decision to add new flights between the United States and Mexico. AeroMexico added new flights between Monterrey and Miami in June and a new Monterrey to Houston route on July 5. The airline also increased summer service from Mexico City to San Antonio and Monterrey to San Antonio.

The Mexico Tourism Board serves as an executive agency of Mexico’s Tourism Secretariat and includes participation from Mexico’s private sector.

2nd HOME BUYERS' SEMINAR 3/20/10

2010-03-19T11:03:00.004-05:00

TAR Convention and Expo in Dallas, TX

2009-09-30T20:18:00.005-05:00

I loved the TAR Convention and Expo (even though my truck was vandalized on Sunday. Stolen was my press pass, my ear-piece for my cell and my keycard). That's life in the big city.

I montored 2 classes "In Polite Company" and "Broker's Rountable". All the classes were fantastic and very informative (kuddos to the organizers, staff, vendors and volunteers for a job well done).

In Polite Company dealt with the changing real estate face and the diversity of our clients and customers today and how to hone our skills in order to meet each client's unique needs. It focused on basic business etiquette as a means of helping us develop our professional skills.

Broker's Roundtable had a team of subject-matter experts, who facillitated discussions on recruiting, retention, short-sale procedures, lead management systems and policies and procedures.

Other classes offered were: Low-Cost, High-Impact Technologies, Resolving

Conflict When You'd Rather Just choke'em, Systems keep You Sane, Appraising "Green", Staging, Ethics and the Code, and many others.

It was a sucess and a great learning experience.

Urban League of Greater Dallas Luncheon

2009-09-30T19:55:00.006-05:00

I attended the Urban League of Greater Dallas luncheon in conjunction with the Dallas Friday Group. Keeping busy, representing myself, my association and my profession.

We All Need Health Insurance, At An Affordable Price

2009-09-24T14:27:00.001-05:00

Protect Insurance Companies Executives, "PSA"
http://pol.moveon.org/insurance_execs/?id=17291-9503841-c_R7i5x&t=2

3 bdrm Home Perfect for $8000 1st Time Home Buyer Tax Credit

2009-09-17T20:09:00.015-05:00

1630 Hortense Ave., Dallas,TX 75216 (mapsco 65/F)

Beautiful landscape and a pretty drive up. Accented by a charming stone brick front porch. Completly updated in and out! All new kitchen cabinets, counter-tops and appliances, stainless steel sinks. New carpet thru-out, new paint with textured walls and crown molding. Bath has ceramic tile and new fixtures. Large living room. Ceiling fans in each room for energy efficiency. Central heat and air. New garage door and garage door opener. Full size washer-dryer connections. Oversized back yard, perfect for family gatherings and room enough for the children to pay in safety. Wood deck back porch. Seller assistance to buyer with some closing costs.
1 yr home warranty available.

Now is an Excellent Time to Buy and or Sell Real Estate

2009-08-20T11:41:00.002-05:00

There are encouraging signs on the horizon we have inventory and we are looking for qualified buyers. With the 1st Time Home Buyer Tax Credit Program working for us and you as a buyer why wait, the time is now to buy real estate. Properties are priced, many below what they have been in years, so the bargin is out there, waiting on you the buyer to get qualified and find a new home.
The program has improved (no repayment), coupled with continued low interest rates and all-time-high housing affordability is leading to solid upswing in the market-place. So let's stimulate our economy and get moving, literally...Now is an excellent time to Buy Real Estate.

Short Sale Specialist, Foreclosure Prevention

2009-07-09T17:04:00.007-05:00

Do YOU need a BAILOUT?
Notice of Default?
Pre-foreclosure?
Behind on mortgage payments?
Stop and Avoid Foreclosure! We are faith-based and licensed Real Estate Agents specialized and certified in FORECLOSURE PREVENTION. And we are here to help you and or someone you know in these difficult times. All information is keep strictly confidential. We are not investors seeking to "BUY" your home. We handle "SHORT SALES". The sale of a property where the net proceeds (sale price less closing costs) are insufficient to pay off the outstanding mortgage balance(s). Your lender cancels some or all of the debt and releases YOU. The mortgage debt was paid or settled SHORT of the total amount owed. Lenders want to approve more short sales. No equity, no problem. Up side down, no problem. And best of all, we offer a FREE consultation. Call/email us today. Time is of the essence.
Coffey Caesar Real Estate Firm
Short Sale Specialists and Foreclosure Prevention
http://www.coffeycaesarrealestatefirm.com
http://www.twitter.com/coffeycaesar
eamil: coffeycaesar@vmdirect.com
ccref.cc@gmail.com
Dallas, TX 75215
214-565-6700
fax: 214-565-4366

Born Again American

2009-06-16T14:29:00.003-05:00

Born Again American

Shared via AddThis

Homewonership , yes it still Pays

2009-06-16T12:26:00.001-05:00

Yes we have taken a hit in home equity over the past couple of years, to say the least considering the condition of our economics and the climate of real estate investments today. Many are wondering if now is a good time to buy, where others are considering on selling and cutting their loses. According to a recent analysis of Federal Reserve data by the National Association of Reltors shows the answer is yes, now is a good time to own a home.

In comparison with renters, home owners have much greater household wealth, says NAR's April commentary on the Fed's Survey of Consumer Finances. Owners' wealth exceeds that of renters by a factor of 50-to-1: a median of $205,200 versus a median of $4,200. The main wealth difference between the two is home equity, of course. And even for households who've owned their home only since 2003, home equity gains are the rule rather than the exception- in some cases, equity gains heve been significant.

In all 150 markets tracked by NAR, including hard-hit markets,households who've owned their home for 10, 15, and 20 years have uniformly enjoyed strong equity gains despite the recent downturn.

Data can clearly show that homewonership remains the biggest store of wealth for the typical household, so YES HOMEOWNERSHIP STIL PAYS. (excerpts from article by Robert Freedman, Realtor magazine 6/09)
www.coffeycaesarrealestatefirm.com www.vmdirect.com/coffeycaesar
www.twitter.com/coffeycaesar

$8,000 Tax Credit

2009-04-13T16:55:00.000-05:00

$8000 TAX CREDIT ... HURRY, HURRY, HURRY!

In its efforts to stimulate the economy and revive the housing market, Congress has enacted legislation providing a tax credit of up to $8,000 for the first-time home buyer(s).

But time is of the essence for buyer(s) who want to take advantage of this opportunity. Only homes purchased on or after January 1, 2009 and before December 1, 2009 are eligible. Call today to start the process.

The tax credit is for first-time home buyer(s) only. The tax credit does not have to be repaid.

The tax credit is equal to 10 percent of the home’s purchase price up to a maximum of $8,000.
The credit is available for homes purchased on or after January 1, 2009 and before December 1, 2009.

Single taxpayers with incomes up to $75,000 and married couples with incomes up to $150,000 qualify for the full tax credit.

Coffey Caesar Real Estate Firm
www.coffeycaesarrealestatefirm.com
www.vmdirect.com/coffeycaesar
email:ccref.cc@gmail.com

International Real Estate Agent I.R.E.S.

2009-03-23T21:55:00.001-05:00

THE PRESTIGIE COLLECTION houses a collection of properties from around the world.
The I.R.E.S. Certification gives me and the other members the opportunity to network, to market and promote our listings internationally. We can offer our clients the specialized service of searching for a property world-wide and helping them through our database and membership buy and sell that property globally.
The Prestige Collection's listings are located in many parts of the world: Germany, Italy, France, St Barth, California, Texas, Canada, Florida, Mexico and Costa Rica, and more.
The Prestige Collection is a must see for your international flare

http://www.castlesandestates.com/index.cfm?view=listing&Prestige=1

DFW Foreclosure listing jump by nearly 30 percent

2009-03-23T20:42:00.000-05:00

Results
Print Version
DFW foreclosure listings jump by nearly 30 percent(Housing : Dallas-Fort Worth-Arlington) 3/19/2009
The number of homes facing foreclosure next month in Dallas-Fort Worth is up almost 30 percent from a year ago to one of the highest volumes on record, according to Addison-based Foreclosure Listing Service. More than 5,200 DFW residential properties are scheduled for April's foreclosure auctions in the four-county area.
It's only the second time that monthly home foreclosure postings in the area have been this high, according to George Roddy, president of Foreclosure Listing Service. "The only other month that residential postings reached above 5,000 was in February of last year, when the record was achieved with 5,315 postings filed."
The biggest jump in foreclosure postings is in Tarrant County, where filings are up 32 percent from a year ago. Collin County reached a new all-time high with almost 700 home foreclosure notices.
Home foreclosure postings in North Texas hit a record last year, with more than 50,000 houses threatened with forced sale after their owners defaulted on mortgages. That was up 17 percent from 2007. Through the first four months of 2009, the number of foreclosure postings is up 7 percent from the same period last year.
North Texas has suffered from soaring home foreclosures for several years, but there had been signs in recent months that the volume of defaults was leveling off. Economists are now worried that increasing job layoffs and rising unemployment in the area will result in more people losing their homes.
"Debt, in the form of subprime loan [payment] resets, was a primary cause for foreclosure postings last year," said Ted Wilson, a housing analyst for Residential Strategies Inc. "Now, with increasing announcements of layoffs, it shouldn't come as a surprise that postings remain stubbornly high."
Some lenders have been holding off on foreclosures in recent months, and the surge in postings may indicate that they are "getting back to business," Roddy said. During first quarter 2009, North Texas foreclosure postings were up only 3 percent from the same period last year.[Dallas Morning News]
Material herein is published according to the fair-use doctrine of U.S. copyright laws related to non-profit, educational institutions. Items attributed to sources other than the Real Estate Center at Texas A&M University should not be reprinted without permission of the original source.

Now is an excellent time to buy Real Estate

2009-03-21T11:54:00.000-05:00

Now is an excellent time to buy real estate, interest rates are low and of course there is available inventory. With that being said, now is an excellent time to sell real estate also. Though it is a buyer's market, buyers are coming in with more knowledge about the buying process meaning they get pre-qualified before starting the viewing process. They'll usually look online, consult their realtor and loan professional then go out to hav a look. Which means when they go out with their realtor they are buying.
Now is a GREAT time to buy and or sell Real Estate
www.coffeycaesarrealestatefirm.com
www.vmdirect.com/coffeycaesar
ccref@sbcglobal.net
CoffeyCaesar
214-565-6700