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House Flipping and some details you need to know.

September 9, 2015
We can bet you’ve flipped a coin, but have you flipped a house? High priced homes are exactly what house flippers are looking for. Why? Because high priced homes turn out a more profitable result. Flipping houses is a trend that has recently re-started during the better parts of the housing bubble. A flip occurs when a person has purchased and sold the home within a year. Financing was a lot easier back then compared to what it is now, so investors were buying cheap homes and flipping them. Now, as pocket friendly priced houses are more scarce, investors are forced to buy the more expensive homes. Though this may have seemed like something that would slow down the flipping process, according to a CNBC mortgage article by Diana Olick, house flippers are finding this method to be more lucrative. The return on a flipped house has gone up from 24 percent last year (2014), to 36 percent this year (2015). House Flipping Around the Country Olick also tells us that “Nevada and Florida, where the share of distressed homes are still relatively high, are still seeing the most house flipping action. Chicago IL, Dayton OH and Baltimore MD offer some of the best gross returns.” What’s the Catch? The downside to flipping homes, that has to be taken into consideration before venturing into such a big project, is the possibility that home flippers could quite possibly lose everything they are investing in. If you buy a property that you plan to invest in and find the cost of renovation is something you can’t afford, then you’re stuck with a house that you can’t sell. You may be able to sell the house to another home flipper, but you’re not going to get all of your investment back. An even worse situation would be where you’ve done everything you can and still can’t sell the home, because of the location or other factors. You could be looking at paying the cost for the home, the renovations, and any new upgrades you may have already done and never even see a profit returned. What Are Some Of The Draw Backs? When you decide that flipping a home is the right move for you, there are a few things you need to consider before you start purchasing materials. If the home is older, you may be forced to bring the electrical wiring up to code. Homes that were built in the late 1950’s and 1960’s, were in fact built to code. That code however, was set during the same time period. As the years clicked by, building codes have changed a number of times. The codes are updated every time a new discovery is made that could result in structural damage, fire damage or simply put, the home could collapse at any moment. Even if you’re remodeling your existing home, you’re going to need to update all of your electrical to the current building codes. We’re not talking about just one section

Round 6 – Operation KnockOut at Brooklyn Bowl

August 27, 2015
Tickets are now on sale for our annual charity event benefitting Randy Couture’s GI Foundation at the Brooklyn Bowl’s box office, online at TUff-N-Uff Website or online at Brooklyn Bowl Website. Seating is limited, so get your tickets now! All proceeds go to local wounded soldiers and their families. There will be food, drinks, live D.J. and a great silent auction; featuring a 60 pound history of the UFC book signed by Dana White, signed gloves from various UFC fighters, signed memorabilia by Randy himself, tickets to the Chris Angel show “Believe,” other shows on the strip and much more! Buy Tickets To Round 6 at Brooklyn Bowl 10/17/2015 VENUE INFORMATION BROOKLYN BOWL LAS VEGAS 3545 LAS VEGAS BLVD. SOUTH LAS VEGAS, NV, 89109 TICKETS PURCHASED IN PERSON AT THE BOX OFFICE INCLUDE A $2 BOX OFFICE FEE (rounded to the nearest dollar). ALL TICKET PRICES INCLUDE NEVADA’S 10% LIVE ENTERTAINMENT TAX All general admission tickets are standing room only.

Monthly Income reports determine we’re not saving enough.

August 7, 2015
According to a survey conducted by Bankrate and an article on CNN Money, half of the American population currently saves less than five percent (5%) of their monthly income. It’s estimated that eighteen percent (18%) of Americans save almost nothing from their monthly income. Scary right? What is the main cause of this problem and how do you make changes in your life to start saving more of your monthly income? Those are usually the first questions asked when discussions open up about personal finance. As the United States Economy improves day by day, more Americans start spending more money on extra expenses. It’s important to treat yourself once and a while. On the other hand, we know that the U.S. Treasury Bond can spike over night and raise rates to record highs. So its important that you’re putting money into your savings. You know, for those “What if…” moments. Why we’re not surprised that monthly income savings are below five percent When you factor in all that’s going on in Colorado, Nevada and California, it makes complete sense to us that Americans are saving less from their monthly income. California is facing one of the worst droughts on record. The state taxes keep rising and wild fires are breaking out all over the place every other week. California always has something going on, so thats a little less alarming compared to Nevada and Colorado. Nevada is close to entering a drought of our own. The Colorado river feeds into Lake Mead and the Hoover Dam. With water levels continuing to fall, Hoover Dam is struggling to make power. This is alarming news considering that the Hoover Dam provides power to Arizona, Southern California and Nevada. Lake Tahoe, in northern Nevada, currently sits below it’s natural rim. This causes the Truckee river to produce less water to the city of Reno and raise water prices. You can see that even something as important as snow fall effect how much money you save. It kind of makes you rethink global warning all over agin doesn’t it. How saving less can hurt your loan chances When you apply for a mortgage loan, banks and brokers will want to see a copy of your W2’s and your taxes for the last two (2) years. They may ask you for two (2) to three (3) months of bank statements. Showing that you have some money in savings is very important. Having a steady stream of income is even more important. What’s more important, showing that even if you only put two hundred to three hundred dollars towards savings each monthly, you’re committed to paying your bills on time. Investors will see this and assume that if you get the chance to save an extra five hundred dollars, you will. That can help per-qualify you for a mortgage loan. Not being able to save anything and having a crazy list of spending spree’s does not help your situation. Keep that in your mind the next

Good Faith Estimate (GFE)

August 5, 2015
A Good Faith Estimate is an estimate of all of your closing costs when purchasing or refinancing a home loan. Your Good Faith Estimate (or GFE) will give you a ball park figure of what rate your loan will be locked at and a rough estimate of what your monthly payments will be. Federal regulations require that your lender provide you with a GFE within three days of the day you applied for your home loan. Like any type of mortgage document, the GFE can be challenging to read if you don’t have the proper guidance. Your GFE is typically three pages and it contains fees and fine print. Make sure that you recognize how each charge is allocated, who you are paying these charges to, and which fees you are being charged for up front versus which fees you will pay at closing. Use your GFE to your advantage. The GFE doesn’t just show what costs you have to pay, but also what costs the lender and seller will pay. Be mindful of the fact that if the rate changes, if the loan amount needs to be lowered or raised, your GFE will change as well. You may in fact have a total of two or three GFE’s before the close of your loan. Good Faith Estimate Tips Here’s a tip for you: the third page of the GFE discloses what fees can and cannot increase or change. If you were to go to the closing table ready to sign all of your paperwork and you notice that the numbers on your final documents are significantly different than the figures on your final GFE, stop and ask questions. A good lender will be more than happy to explain any changes to you. Your GFE is your friend and essentially your tool to make sure that you are not overcharged or underpaying for any portion of your loan. When you are issued your Good Faith Estimate, read over it section by section. Pay close attention to costs and fees. If you have questions, contact your lender. Sources: