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Manager's Blog

Regina Nizer
Office: 717-235-9050
TollFree: 800-437-8113

Two key government programs...

This is great advice for prospective homebuyers over the next 45 days, as two key government programs that have kept home ownership more affordable than ever wind down to their completion.
For prospective homebuyers, any increase in interest rates erodes your purchasing power. In other words, a 1% increase in rate represents an approximate decline in purchasing power by 10%. For example, if rates increase by 1%, people who qualify for a $200,000 purchase price today may only qualify for a purchase price of $180,000 afterwards.
The second shot will come on April 30th, which is the deadline for purchasers to get under contract to qualify for the Home Buyer Tax Credit program, which has been providing a tax credit of up to $8,000 to first time homebuyers and up to $6,500 to repeat purchasers


If you or anyone you know is looking to purchase or refinance a home, waiting could be costly! Act now...so you can save later!

Created by: lnfdotcom    on 3/17/2010    

What you see...

“What you see depends on what you’re looking for.” Anonymous

Moody’s Investors Service, a financial research firm, shared what some believe to be somber news in September, predicting it could take 10 years to get back to boom-level housing prices.
 
An excerpt from the report: “For many reasons, the rebound will be disproportionately small compared to the decline. It will take more than a decade to completely recover from the 40 percent peak-to-trough decline in national home prices.”
 
Have you ever seen that drawing of a young lady but as you stare at it suddenly an image of a haggardly old lady appears in the same exact drawing? I’ve included it here. Go on, take a look.
 
When I first saw the news about this slow return of a housing peak my first thought was, ‘Great, we’ve got 10 years of steady growth in real estate ahead of us.’ I immediately saw the beauty in the news. The bright side. I suppose that’s the way I look at most things.
 
I’m sure some who heard the exact same news might have sighed and said, ‘Gee, this market is never going to recover.’ 
 
The fact is, like the quote, we often see what we’re looking for. And when people can’t rid themselves of negative thinking, it sometimes ends up becoming a self-fulfilling prophecy. You think bad and sure enough, bad happens. Take a minute and think about how you felt when you read about this 10-year return to peak housing. Be honest. Was the cup half full or half empty?
 
Well, even if you’re a half empty kind of Realtor; let me brighten your day a little. First, in the same news report about the slow return, we learned home-builder stocks have rallied. In fact, the sector has doubled from the March lows. This tells me investors are hopeful the worst is over.
 
And Moody’s also reports housing prices will begin to even out with fewer fluctuations and “behave in a much more moderate manner during the recovery.”
 
Plus, consider historic low interest rates and low prices to boot. It’s no wonder we’re beginning to see positive signs of a recovery. Frankly, I’m looking forward to the next 10 years – I think they’ll be the most stable we’ve seen in many years, and I believe we’ll all begin to prosper as the market corrects itself.   
 
Created by: lnfdotcom    on 11/24/2009     Modified: 11/24/2009

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