Bedford NY Real Estate | Robert Paul Talks Life in Bedford NY

Consumers ages 18-29 with a student loan in repayment generally are able to gain access to new loans and perform as well or better on those new loans as similarly aged consumers without student loans, according to a new study by TransUnion.  . Furthermore, the study found that in only three to six years, student-loan consumers in their 20s have been observed to pass similarly aged consumers without a student loan in overall loan participation rates on mortgages, auto loans and credit cards. “Going to school impacts young consumers’ access to credit; while in school, students may be less likely to have a job and generate the income necessary for loan approval. However, most catch up once they leave school-and their ability to catch up has not changed over the past decade,” said Steve Chaouki, executive vice president and the head of TransUnion’s financial services business unit. “Our study demonstrates that consumers in their 20s with student loans in repayment-that is, once they...

Real estate has long been an Australian obsession and sharp spikes in house prices across Australia's major cities in recent years have fuelled the passion for property. But it is not easy working out who or what is to blame. Fluctuating prices, and what triggers them, are studiously followed in a country where two-thirds of the population own their own home. The most spectacular growth has been in the notoriously fevered Sydney market, which has grown 15% over the 2013-14 financial year, compared with a combined 10% across all the state capital cities, according to figures from property information firm RP Data. The median house price in Sydney has now reached a jaw-dropping A$800,000 ($697,000, £440,000), many times the average wage. Hardly surprising, therefore, that Australian house prices are among the least affordable in the economic bloc of more than 30 OECD countries, leaving a generation of renters with dwindling prospects of achieving the dream of ho...

Many homebuyers are drawn to the lure of the fixer-upper. And with good reason, at least on paper. But the “buy low, sell high” ethos of fixer-uppers isn’t exactly a guarantee. There are plenty of people who snagged the worst house in a great neighborhood and turned it into their dream home. You’re just as likely to find overworked and overspent homeowners ready to run from their money pits . Committing to a fixer-upper is a big decision, one that can impact your financial picture for years to come. Before you start swinging a hammer, you’ll first need to find a way to finance your purchase. You may need a specialized mortgage product to buy a fixer-upper. Some lenders and loan types want properties in “move-in ready” condition, which can obviously pose a problem. Here are a few options to consider. FHA 203k The Federal Housing Administration offers a government-backed rehab loan that allows buyers to finance renovations based on the property’s projected value. There...

In the home price race, Chicago is pulling up the rear, but it's one step ahead of New York. An index of Chicago-area single-family home values rose 3.9 percent per year from June 2011 through June of this year, according to the S&P/Case-Shiller Home Price Indices. That was the ninth-smallest increase among the 10 U.S. metro areas in Case-Shiller's 10-city composite index. San Francisco had the biggest three-year annualized gain, 13.1 percent, followed by Las Vegas, 12.2 percent, and Miami, 10.2 percent. While modest growth may irritate homeowners in the Chicago area, where the Case-Shiller index is still 23 percent below its September 2006 peak, it isn't such a bad thing if you're not a seller. “If you want to sell your house and move to the Sun Belt, you're probably frustrated,” said David Blitzer, managing director and chairman of the Index Committee at S&P Dow Jones Indices. On the other hand, “you're not pricing people out of housing as fa...

Despite a decrease in overall foreclosure activity, bank repossessions in April increased 4 percent from the previous month, although they were still down 14 percent from a year ago. There were a total of 30,056 bank repossessions nationwide in April. Bank repossessions increased from the previous month in 26 states and were up from a year ago in 16 states, including New York (142 percent increase), Oregon (91 percent increase), New Jersey (58 percent increase), Illinois (55 percent increase), Indiana (52 percent increase), Maryland (45 percent increase), Connecticut (44 percent increase), California (27 percent increase), and Nevada (15 percent increase). “The rise in bank repossessions in many states is a sign that those markets are working through the final remnants of foreclosures left over from the recent housing crisis,” said Daren Blomquist, vice president at RealtyTrac. “Many of these bank-owned homes are bottom-of-the-barrel properties in terms of location or condition, ...

409 Bridge Lane, Sagaponack 24 images <div class="gallery loaded"><a href="http://hamptons.curbed.com/archives/2014/05/09/breezy_elegance_in_sagaponack_for_765m.php"><img src="http://cdn.cstatic.net/images/gridfs/536cd144f92ea12cc0025521/34864.jpg" width="500" height="334"></a><br /><a href="http://hamptons.curbed.com/archives/2014/05/09/breezy_elegance_in_sagaponack_for_765m.php" style="font-size: 9px; text-align: center;">Click here to view the full photogallery.</a></div> We're crazy in love with the subtle charm of this property. The exterior is all classic summer house , with awnings, a dining pergola, apple trees, hedges, a heated saltwater pool and even a vintage shed. Inside, it's all understated elegance, from the beamed ceilings, to the planked doors, to the vintage bathroom fixtures. The kitchen is perfection , with pro appliances, more vinta...

We knew we had a gem on our hands when we read the usually dry real estate description : "Absolutely dyno-mite pad with groovy vibes -- this never before seen generational home is a true prize in the Cracker Jack box of L.A. real estate." After our friends at the Curbed L.A. real estate blog made this fabulous find , Yahoo Homes talked to Hughes Estate Sales , which gave us a preview of items from the home that it will be offering on April 11 and 12 ( click here to see the gallery ; the items pictured at the end of the slideshow, after the historical photos, will be for sale). Hughes made sure we also knew the home's backstory, first reported by the wonderful Retro Renovation blog -- a tale that explains why the home seems to practically "vibrate with love." It starts when Albert P. and Gloria Martin, a commercial architect and an artist, respectively, moved to California in the early 1950s. "Depression-era folks," they paid cash for the lot ...

25 richest US neighborhoods | South Salem Real Estate | Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor

South Salem NY Weekly Real Estate Report 2/24/2013 Homes for sale 50 Median Ask Price $732,500.00 Low Price $199,900.00 High Price $12,200,000.00 Average Size 3086 Average Price/foot $368.00 Average DOM 223 Average Ask Price $1,213,764.00

4 signs the real estate market is in trouble | South Salem NY Real Estate | Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor

Consumer confidence, led by high hopes for the housing markets, has recovered from its doubts in the wake of the government shutdown last fall and is starting the new year on a tear. Two weeks ago economists at the Conference Board forecasted that for the year as a whole growth will accelerate markedly to 2.9% in 2014 from the subdued 1.9% pace in 2013. “The robust gains in household net worth, fueled by the 29% gain in equity prices and 16% rise in median home prices, boosted consumer spending to a robust 4% pace in Q4 2013,” they wrote and set a goal of 1.11million housing starts this year, up from .92 million in 1013. “On the labor front, we look for companies to continue to add to their payroll count at a sustained and healthy pace of around 200,000 per month. This along with the ongoing retirement of baby boomers from the workforce should allow the unemployment rate to continue falling at a rapid clip,” they wrote. The first returns of the new year support their predictions...

Just as walking through a kitchen doesn’t make you a chef, living in a neighborhood doesn’t make an agent a “neighborhood expert.”The information age is firmly ensconced in the real estate word. Long gone are the days when agents were the gatekeepers of the data. The days of multiple listing service books printed quarterly and carried around like bags of gold, only to be viewed by those with “access,” are a bad memory. For the most part, the public has as much or more information available for use as Joe Agent. And that is a very good thing. The real estate industry excels at public relations. Was there ever a time when any real estate organization, now or in the past, didn’t trumpet that “it’s a great time to buy”? Even during the crash and years of bottom scraping, that shrill message remained. - See more at: http://www.inman.com/2014/01/31/the-fallacy-of-the-agent-as-neighborhood-expert/?utm_source=20140131&utm_medium=email&utm_campaign=dailyheadlinesam#sthash.KhDB...

Real Estate: Avoid these common mortgage scams | South Salem NY Real Estate | Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor

Housing market: Home price increases to soften | South Salem NY Real Estate | Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor

Real estate prices in Ukraine will go down soon | South Salem NY Homes | Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor

How environmentally green, really, are so-called green roofs like the one that’s on top of the Walmart store in north Portland ? Just as wireless sensor networks increasingly are helping building owners and tenants keep track on energy efficiency and water conservation inside, they are also at the center of several new research projects – including one at the aforementioned Walmart site – that aims to build a better understanding of their performance. After all, it isn’t all that practical or safe for this sort of information to be collected manually by humans. http://www.forbes.com/sites/heatherclancy/2013/11/26

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