Tuesday, February 16, 2010

Strategic Foreclosures Good or Bad?

Recently there has been some talk about "strategic foreclosures". Unfortunately there have been some individuals promoting to people who are in financial distress and don't know where to turn when they have fallen behind in their mortgage payments. They have taken the stand that it is O.K. to just walk away and never look behind them for the consequences that come with such a move.

Just last week Good Morning America had a special about walking away form your commitment. The analogy they used was that if it is good enough for corporate America to do so, it is O.K. for the average homeowner too. It was totally irresponsible reporting and they should be taken to task to promote such a terrible injustice to the public. They did not mention what consequences there are to individuals who actually must work and maintain households, credit ratings and personal reputations if they allow a foreclosure to happen. Obviously they did not realize or even care that with that type of reporting people could be jeopardizing their financial futures including holding on to the job they currently have or a job in the future. Corporations don't have to think about those things as it not part of the business world. So yes, corporations do that sometimes but with different consequences.

Please don't consider a Strategic Foreclosure as you might not be happy what you may end up with. Call me today for a confidential interview and we can set the record straight and get you on the right financial path.

Friday, February 12, 2010

Mortgage Financing Programs

I am going to cover different loan programs that are being offered as of now over the next few days. With new RESPA rules loan programs have been changing along with how they are offered.

I first will discuss FHA loans as they are known as of today. This is becoming the most popular loan out there today in the York, PA area. The most important factor is the amount of money down that is required by HUD. As a buyer you will need to have at least 3.5% down of your own in the transaction. The Seller can contribute up to 6% of the sale price towards the Buyers closing costs as of today. That will be changing shortly to 3% in april. You can see why it is one of the most popular loans in the market. You can get into a $200,000 house for as little as $7,000! With the rates hovering around 5% +/- and the tax credit of between $6,500 for a current married homeowner or $8,000 for a first time homeowner (not owned a home in the last 3 years) you can practically get in for no money down. Keep in mind there is an up front mortgage insurance premium that you can add either to the mortgage amount or pay it at time of settlement. There is also a monthly fee that is added to your mortgage payment.

For more information call us at The Pilgrim Team. 717-757-5955

Thursday, February 04, 2010

Uncork York 2010 Tour de Tanks Event

Recommended LinksBusiness PartnersAgent ReferralsNewsletterBlogAbout Uncork York 2010 Tour de Tanks Event
Thursday, February 04, 2010by The Pilgrim Team
2010 Tour de Tanks Event
Saturdays & Sundays in March

What: Tour de Tanks
You're invited into the cellars at 14 wineries for Pennsylvania's ultimate wine tasting experience. Celebrate the arrival of new vintages with special tank and barrel tastings to preview the season's upcoming wines before they are bottled.

Meet UnCork York winemakers and enjoy delicious treats along the way.

When: Saturdays & Sundays in March 2010
11 a.m. to 5 p.m.
March 6, 7, 13, 14, 20, 21, 27, 28

Where: 14 Wineries Along The
UnCork York Wine Trail*

*Participating Wineries:
Adams County Winery
Allegro Vineyards
Cullari Vineyards
Four Springs Winery
Fox Ridge Vineyard & Winery
Hauser Estate Winery
Hummingbird Ridge Winery (NEW!)
Moon Dancer Vineyard & Winery
Naylor Wine Cellars
Nissley Vineyards & Winery Estate
Reid's Orchard & Winery
Tamanend Winery (NEW!)
West Hanover Winery
Waltz Vineyards Estate Winery (NEW!)*
*Waltz is ONLY offering Tour de Tanks
tastings SATURDAYS during the event.

Tickets: $20 Each*
Your ticket includes a souvenir UnCork York Wine Glass, which you'll receive at the first winery you visit. Your ticket is good for all four weekends at all 13 wineries.

Use your ticket at any participating winery during the event to get 10% off the sale of wine. Collect stamps along the way to become eligible for exciting UnCork York prizes.

Tickets are available online and at participating wineries and will be on sale through the end of the event.

•Tickets can be purchased online for $20 using a credit card.
•Tickets may be purchased at the participating wineries for $20 using cash or check.
•*Tickets can also be purchased at participating wineries via credit card, however, a $1 credit card processing fee will be applied per ticket.
Getaway Packages

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Home Sellers In York PA Here are some Tips

Home Sellers

Selling a home can be overwhelming but it should always be a smooth process. Clients who list their homes with The Pilgrim Team receive truly personalized service with unmatched results. Jerry and his Team have extensive knowledge and experience in York real estate, and they can market your home to the right buyer. By constantly adapting to market trends and using first-rate marketing techniques, The Pilgrim Team can target specific buyers who would be interested in purchasing your home.

So Why List With The Pilgrim Team?

Unmatched Experience with Record Results
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