BOCA RATON DELRAY BEACH FLORIDA REAL ESTATE

My Old Man by Joe Finn

JOHN@JOHNJROSE.COM (Anonymous) — Sun, 09 Dec 2012 14:55:00 +0000

My Old Man by Joe Finn

looking to Buy or sell Real Estate in Florida Please give me a call John Rose 561-414-0012john@johnjrose.com www.bocadelrayhomevalues.com

John Mcdermott -my old man

JOHN@JOHNJROSE.COM (Anonymous) — Tue, 25 Jan 2011 22:18:00 +0000

looking to Buy or sell Real Estate in Florida Please give me a call John Rose 561-414-0012john@johnjrose.com www.bocadelrayhomevalues.com

AddThis Social Bookmarking Sharing Button Widget

JOHN@JOHNJROSE.COM (Anonymous) — Wed, 19 Jan 2011 21:46:00 +0000

AddThis Social Bookmarking Sharing Button Widget

looking to Buy or sell Real Estate in Florida Please give me a call John Rose 561-414-0012john@johnjrose.com www.bocadelrayhomevalues.com

Spreading your promotions just became easier!

JOHN@JOHNJROSE.COM (Anonymous) — Wed, 19 Jan 2011 16:26:00 +0000

Spreading your promotions just became easier!

looking to Buy or sell Real Estate in Florida Please give me a call John Rose 561-414-0012john@johnjrose.com www.bocadelrayhomevalues.com

Miguel Henry - Property Flipper

JOHN@JOHNJROSE.COM (Anonymous) — Tue, 18 Jan 2011 18:57:00 +0000

looking to Buy or sell Real Estate in Florida Please give me a call John Rose 561-414-0012john@johnjrose.com www.bocadelrayhomevalues.com

Fw: Today's News: "The Suburban Century Is Over"

JOHN@JOHNJROSE.COM (Anonymous) — Thu, 24 Jun 2010 19:55:00 +0000

John Rose
561-414-0012 phone
561-210-7111 fax
john@johnjrose.com

Sent from my Verizon Wireless BlackBerry

From: "REALTOR(R) Magazine Online" <NAR@newsletters.realtor.org>

Date: Thu, 24 Jun 2010 15:46:13 -0400

To: <john@johnjrose.com>

ReplyTo: "REALTOR(R) Magazine Online" <NAR.40N0OA.524121@newsletters.realtor.org>

Subject: Today's News: "The Suburban Century Is Over"

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Fw: Today's News: Senate ExtendsTax Credit Closing Deadline

JOHN@JOHNJROSE.COM (Anonymous) — Thu, 17 Jun 2010 17:41:00 +0000

John Rose
561-414-0012 phone
561-210-7111 fax
john@johnjrose.com

Sent from my Verizon Wireless BlackBerry

From: "REALTOR(R) Magazine Online" <NAR@newsletters.realtor.org>

Date: Thu, 17 Jun 2010 13:32:59 -0400

To: <john@johnjrose.com>

Subject: Today's News: Senate Extends Tax Credit Closing Deadline

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ROR Sitemap for http://www.welkresorts.com/

JOHN@JOHNJROSE.COM (Anonymous) — Wed, 16 Jun 2010 11:32:00 +0000

ROR Sitemap for http://www.welkresorts.com/

looking to Buy or sell Real Estate in Florida Please give me a call John Rose 561-414-0012john@johnjrose.com www.bocadelrayhomevalues.com

Fw: Zillow Blog

JOHN@JOHNJROSE.COM (Anonymous) — Tue, 15 Jun 2010 15:19:00 +0000

John Rose
561-414-0012 phone
561-210-7111 fax
john@johnjrose.com

Sent from my Verizon Wireless BlackBerry

From: "Zillow Blog - Real Estate Market Stats, Celebrity Real Estate, and Zillow News" <blogteam@zillow.com>

Date: Tue, 15 Jun 2010 12:24:14 +0000

To: <JOHN@JOHNJROSE.COM>

Subject: Zillow Blog

http://www.zillow.com/blog)" style="color: #888; font-size: 22px; font-family: Arial, Helvetica, sans-serif; font-weight: normal; text-decoration: none;">Zillow Blog

Can I Sell My House as a Short Sale to My Mom?

Posted: 14 Jun 2010 01:12 PM PDT

That is the question in Zillow Advice that comes from Emy7297 from Fresno, CA:

Can I short sale my house to my mom?

Most who replied on the thread used words like, “tread carefully,” “mortgage fraud,” and “doesn’t smell right.” You get the picture.

> Need real estate advice? It’s free to ask questions and get answers on Zillow Advice.

Renowned Connecticut ‘Round House’ for Sale - $1,750,000

Posted: 14 Jun 2010 08:46 AM PDT

Another notable home that is on the real estate market (again) is the “Round House” in Wilton, CT and it’s for sale for $1,750,000. The home was listed in 2008 for $2.3 million.

Designed by architect Richard T. Foster, it is a cylindrical masterpiece that sits 12 feet off the ground on its “base” and has the ability to rotate slowly 360 degrees, taking in the nearly four acres of land and a pond. It takes about 50 minutes for the home to complete an entire rotation.

Made of steel, glass and shingles, the 3,000 sq ft home was renovated in 2005 and is completely walled in glass. It features custom ash cabinetry, state-of-the-art Xenon interior lighting, marble and limestone bath finishes, and “Smart House” technology in the main house.” Plus, there is a separate guest house and in-ground lap pool. See a video of the house.

> See more Wilton, CT real estate

> See Wilton, CT home values

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Fw: Will a Short Sale Save Your Credit?

JOHN@JOHNJROSE.COM (Anonymous) — Fri, 11 Jun 2010 17:40:00 +0000

John Rose
561-414-0012 phone
561-210-7111 fax
john@johnjrose.com

Sent from my Verizon Wireless BlackBerry

From: "RISMedia's Real Estate Advisor" <newsletter@rismedia.com>

Date: Fri, 11 Jun 2010 09:49:43 -0700 (PDT)

To: <JOHN@JOHNJROSE.COM>

Subject: Will a Short Sale Save Your Credit?

Having trouble viewing this email? Click here to view it as a webpage!
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Friday, June 11, 2010

Powered By RealTown.com

Today's Top Story

Will a Short Sale Save Your Credit?

By Kara McGuire

RISMEDIA, June 11, 2010— (MCT)—Stuck in a house you can't afford or can't sell for more than you owe on it? Beware the Web, where you'll see plenty of claims that short sales will save your credit, simple as that. But there's nothing simple about deciding whether to sell your house in a foreclosure or in a short sale, which means you sell the property for less than you owe the bank. And in most cases, going through either process will wreck your credit score. Continued

Today's Featured Stories

Foreclosure Activity Decreases 3 Percent in May 2010, According to RealtyTrac

RISMEDIA, June 11, 2010—RealtyTrac, a leading online marketplace for foreclosure properties, recently released its U.S. Foreclosure Market Report for May 2010, which shows that foreclosure filings—default notices, scheduled auctions and bank repossessions...
Continued

Money May be Tight, But Homeowners Still Investing in Great Outdoors

By Amy Hoak

RISMEDIA, June 11, 2010—(MCT)-Homeowners love their yards. They plant gardens, create cozy areas for entertaining, and install decorative elements that they're as happy to look at from the kitchen window as they are from their chaise lounge....
Continued

May 2010 Mid-Atlantic Region Sales Show Upward Trend

RISMEDIA, June 11, 2010—Metropolitan Regional Information Systems, Inc. (MRIS), a leading provider of real estate information technology and the largest multiple listing service in the nation , announced that the number of homes sold in the Mid-Atlantic region increased by 7%...
Continued

Today's Featured Listing: Spectacular Ocean-Front Home

RISMEDIA, June 11, 2010—This spectacular ocean-front elevated first floor condo in the gold coast section of Ocean City, ‘New Jersey's Finest Family Resort,’ is being listed by Top 5 Members Tony and Ginny Cannata with RE/MAX of Ocean City. The building is a duplex style and was built in 2002...
Continued

Builder and consumer adoption of sustainability is rapidly growing. Stand out, get specific, lead your community with NAR's Green Designation. Learn More

Today's Home Spun Wisdom

Getaways: Make Family Vacations Top Priority

RISMEDIA, June 11, 2010—(MCT)—With summer upon us, it's time to plan a family vacation. Don't let financial stress or busy schedules get in the way of putting dates on the calendar. Consider these five points: Continued

This Week's Training Session Offer

The Ultimate Real Estate Flyer Suite

RISMEDIA, June 11, 2010—This program covers every conceivable subject. Ultra easy to use, this high-tech software makes creating stunning flyers a breeze. You can either e-mail or print and mail. Not only are the flyers easy to personalize, but the end result is a first-class image that will impact clients and colleagues alike. Click here to learn more.

Hotel News Now | Hotels News - Article

JOHN@JOHNJROSE.COM (Anonymous) — Fri, 11 Jun 2010 12:30:00 +0000

http://www.hotelnewsnow.com/articles.aspx?ArticleId=3481

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Timeshares Daily

JOHN@JOHNJROSE.COM (Anonymous) — Fri, 11 Jun 2010 11:40:00 +0000

Thanks,

JOHN ROSE
561-414-0012 PHONE
561-210-7111 FAX
john@johnjrose.com
www.johnjrose.com

www.google.com/profiles/jrosegslimo

---------- Forwarded message ----------
From: Timeshares Daily <timesharesdaily@gmail.com>
Date: Fri, Jun 11, 2010 at 7:10 AM
Subject: Timeshares Daily
To: JOHN@johnjrose.com

Timeshares Daily

Edison Venture Completes Follow-on Investment in SellMyTimeshareNOW

Posted: 10 Jun 2010 08:32 PM PDT

Edison Venture Fund announced completion of $1.5 million follow-on investment in SellMyTimeshareNOW (http://www.sellmytimesharenow.com/) based in Dover, NH. The use of proceeds will expand sales, marketing, customer support and product development. Cumulatively Edison has invested $10 million. SMTN is leading online secondary marketplace for timeshares. The family of websites provides advertising tools...

Transfer America Announces 'Timeshare Freedom!' Seminars in Seven States June 11-14

Posted: 10 Jun 2010 08:28 PM PDT

Transfer America announces that it will hold complimentary Get Rid of My Timeshare seminars for timeshare owners who want to get rid of their timeshare(s) and the fees that come with. The seminars are being held in various cities across Alabama, Arkansas, Arizona, Georgia, North Carolina, Oklahoma and...

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Inman AM: Could mortgage handoff cure foreclosure crisis?

JOHN@JOHNJROSE.COM (Anonymous) — Fri, 11 Jun 2010 11:38:00 +0000

Thanks,

JOHN ROSE
561-414-0012 PHONE
561-210-7111 FAX
john@johnjrose.com
www.johnjrose.com

www.google.com/profiles/jrosegslimo

---------- Forwarded message ----------
From: Inman News Headlines <dailynews@inman.com>
Date: Fri, Jun 11, 2010 at 6:59 AM
Subject: Inman AM: Could mortgage handoff cure foreclosure crisis?
To: JOHN@johnjrose.com

Today's Top Real Estate and Technology News - View this e-mail as a Web page

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TODAY'S TOP STORIES
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Friday, June 11, 2010

Could mortgage handoff cure foreclosure crisis?
By STEVE BERGSMAN I'm not your typical homebuyer. The home I live in is the one I bought in 1981. I have not moved, although I've refinanced a number of times along the journey and I do own a second property that is a condominium rental. Not being a serial homebuyer who constantly tries to move up to a bigger home has, quite frankly, put me out of the loop on a number of very basic issues. More »

Going beyond the pages of a glossy real estate zine
Agent Reboot speaker profile: Cece Blase

Counting the months to foreclosure
Letter to the Editor

Creative penalties for late rent stir debate
Rent it Right

OTHER TOP STORIES

Suburbs are the future of homeownership

Start a conversation with online content

18 states regulate appraisal management companies

Why walking away does not pay

Latest News »

NOTABLE QUOTE

"SWSWSWN. This stands for 'Some will, some won't, so what -- next.' In other words, some people will want and understand your services, and some will not. The 'so what' is about not worrying about those who don't get you or the services that you offer. The goal is to keep moving and searching for those who are a good fit for your services." --Bernice Ross

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TARA-NICHOLLE NELSON: Recent Columns

Time limit halts home improvement lawsuit

What drives our real estate obsession

When real estate catchphrases go viral

More Tara-Nicholle Nelson »

Inman News Headlines is a twice daily e-mail delivered by the real estate industry's leading source of breaking news and unbiased market analysis. To gain unlimited access to all Inman News articles and take advantage of exclusive, premium members-only benefits including free access to our Industry Special Reports and Week-in-Review e-mails, plus discounts on our industry-leading events and in-depth research reports, Upgrade to an Inman News Premium Membership today!

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Inman News, 1100 Marina Village Parkway, Suite 102, Alameda, CA 94501

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Fw: Inman PM: The real estate impact of Gulf oil disaster

JOHN@JOHNJROSE.COM (Anonymous) — Wed, 09 Jun 2010 20:27:00 +0000

John Rose
561-414-0012 phone
561-210-7111 fax
john@johnjrose.com

Sent from my Verizon Wireless BlackBerry

From: "Inman News Headlines" <dailynews@inman.com>

Date: Wed, 09 Jun 2010 12:45:16 -0700

To: <JOHN@johnjrose.com>

Subject: Inman PM: The real estate impact of Gulf oil disaster

Today's Top Real Estate and Technology News - View this e-mail as a Web page

ADVERTISEMENT
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Wednesday, June 09, 2010

The real estate impact of Gulf oil disaster
By ANDREA V. BRAMBILA Beyond the actual disruption to sales and hit on housing values in areas affected by the Gulf oil spill, real estate professionals on the Gulf Coast say they will likely face a battle of perception for years to come. More »

Appraisal inflation lawsuit moves forward
Court rejects argument that feds have sole jurisdiction

Demand for loans off 35% post-tax credit
Rates hovering near historic lows

Time limit halts home improvement lawsuit
Law of the Land

OTHER TOP STORIES

Desperately seeking the listing agent

5 hints for hiring a contractor

Monitor who is sharing your content on Facebook

'Just reduce the principal and let's move on'

Latest News »

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NOTABLE QUOTE

"She chronicles not only her house hunt, her Realtor's admonitions that she might have to 'stretch' to get what she wanted in time to avoid 'getting priced out of the market,' and her mother's repeated declarations about homes hundreds of thousands of dollars out of Daum's price range ... but also her obsession with cable TV 'shelter smut' and her card-carrying membership in America's 'cult of real estate,' circa 2004." --Tara-Nicholle Nelson

JACK GUTTENTAG: Recent Columns

Site lets borrowers see their 'Mortgage Grade'

Rising interest in loan paydowns

5 inescapable truths about financial disasters

More Jack Guttentag »

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Inman News, 1100 Marina Village Parkway, Suite 102, Alameda, CA 94501

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Fw: Inman PM: The real estate impact of Gulf oil disaster

JOHN@JOHNJROSE.COM (Anonymous) — Wed, 09 Jun 2010 20:27:00 +0000

John Rose
561-414-0012 phone
561-210-7111 fax
john@johnjrose.com

Sent from my Verizon Wireless BlackBerry

From: "Inman News Headlines" <dailynews@inman.com>

Date: Wed, 09 Jun 2010 12:45:16 -0700

To: <JOHN@johnjrose.com>

Subject: Inman PM: The real estate impact of Gulf oil disaster

Today's Top Real Estate and Technology News - View this e-mail as a Web page

ADVERTISEMENT
Further qualify a borrower inexpensively: Quickly review the same comps an appraiser would before moving forward with the underwriting process. Free trial of CompLocator.

TODAY'S TOP STORIES
= Premium Member News - Join Now »

Wednesday, June 09, 2010

Appraisal inflation lawsuit moves forward
Court rejects argument that feds have sole jurisdiction

Demand for loans off 35% post-tax credit
Rates hovering near historic lows

Time limit halts home improvement lawsuit
Law of the Land

OTHER TOP STORIES

Desperately seeking the listing agent

5 hints for hiring a contractor

Monitor who is sharing your content on Facebook

'Just reduce the principal and let's move on'

Latest News »

NOTABLE QUOTE

JACK GUTTENTAG: Recent Columns

Site lets borrowers see their 'Mortgage Grade'

Rising interest in loan paydowns

5 inescapable truths about financial disasters

More Jack Guttentag »

You are subscribed to this mailing list, headlines, as: JOHN@johnjrose.com.
If you can afford to ignore breaking real estate news and emerging technology trends, then Unsubscribe.

Inman News, 1100 Marina Village Parkway, Suite 102, Alameda, CA 94501

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Fw: Today's News: Mortgage FraudRises, Are You at Risk?

JOHN@JOHNJROSE.COM (Anonymous) — Wed, 09 Jun 2010 17:51:00 +0000

John Rose
561-414-0012 phone
561-210-7111 fax
john@johnjrose.com

Sent from my Verizon Wireless BlackBerry

From: "REALTOR(R) Magazine Online" <NAR@newsletters.realtor.org>

Date: Wed, 09 Jun 2010 12:46:37 -0400

To: <john@johnjrose.com>

Subject: Today's News: Mortgage Fraud Rises, Are You at Risk?

If you have trouble reading this e-mail click here.

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Foreclosures Often Carry Unforeseen Risk: Lawsuits from Lenders

JOHN@JOHNJROSE.COM (Anonymous) — Wed, 09 Jun 2010 09:51:00 +0000

Thanks,

JOHN ROSE
561-414-0012 PHONE
561-210-7111 FAX
john@johnjrose.com
www.johnjrose.com

www.google.com/profiles/jrosegslimo

---------- Forwarded message ----------
From: RISMedia's Real Estate Advisor <newsletter@rismedia.com>
Date: Wed, Jun 9, 2010 at 5:32 AM
Subject: Foreclosures Often Carry Unforeseen Risk: Lawsuits from Lenders
To: JOHN@johnjrose.com

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Wednesday, June 09, 2010

Powered By RealTown.com

Today's Top Story

Foreclosures Often Carry Unforeseen Risk: Lawsuits from Lenders

By Paul Owers

RISMEDIA, June 8, 2010—(MCT)—Before Larry Thomas unloaded his Pompano Beach, Fla., home last fall for a fraction of what he paid, he cut a deal that will keep him from worrying about a huge debt hanging over his head. Thomas insisted that his lender, American Home Mortgage Servicing, agree not to come after him for the estimated $174,000 he still owed on his two mortgages. "I feel incredible relief," the restaurant manager Continued

Today's Featured Stories

On Site Registration Now Open for RISMedia's Leadership Conference

RISMEDIA, June 9, 2010—Have you registered yet for RISMedia’s 2010 Leadership Conference—The Real Estate Social Media Summit? Don’t miss your opportunity to attend this year’s conference—on site registration is now open....
Continued

U.S. Housing Prices Turn Positive in April

RISMEDIA, June 9, 2010—Integrated Asset Services®, LLC (IAS®), a leader in default management and residential collateral valuations, has released the latest IAS360® House Price Index (HPI). Based upon the timeliest and most granular...
Continued

New Home, New Expenses: First-Time Home Buyers Change Their Lifestyle to Afford Homeownership

RISMEDIA, June 9, 2010—BBVA Compass recently released a new survey on first-time home buyers indicating that, prior to purchase, a vast majority of first-time home buyers (88%) believe they have accounted for all expenses related to owning a home. Seemingly contradicting that notion, amongst those who had purchased a home in the past 12 months, just over half indicate the expenses were more than they had calculated, causing a change in lifestyle....
Continued

How to Win With Electronic Signature

RISMEDIA, June 9, 2010—Implementing electronic signature into your business processes can help you take your business to the next level and reduce, if not eliminate, the piles of paper generated from faxing, printing and copying documents....
Continued

Builder and consumer adoption of sustainability is rapidly growing. Stand out, get specific, lead your community with NAR's Green Designation. Learn More

Today's Home Spun Wisdom

Life-Guarding the Car Wash

By Terri Bennett

RISMEDIA, June 9, 2010—(MCT)—Fun as it may be, breaking out the hose and soaping up the family car in our driveways on a hot Saturday afternoon is one of the most environmentally unfriendly chores we can do. Continued

This Week's Training Session Offer

Free & Low Cost Ideas to Inspire Your Team

RISMEDIA, June 9, 2010—Want to make a positive impact on employee morale without breaking the bank? In this class, you'll learn practical and low cost (even free!) ideas for boosting employee engagement that can be implemented in any organization. Click here to learn more.

See Events/Dates For: Trends | Tools | Sales | Wealth

Fw: The Washington Report - June 7, 2010

JOHN@JOHNJROSE.COM (Anonymous) — Tue, 08 Jun 2010 05:26:00 +0000

John Rose
561-414-0012 phone
561-210-7111 fax
john@johnjrose.com

Sent from my Verizon Wireless BlackBerry

From: "National Association of REALTORS(R)" <NAR@newsletters.realtor.org>

Date: Mon, 07 Jun 2010 17:01:31 -0400

To: <john@johnjrose.com>

Subject: The Washington Report - June 7, 2010

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	Previous Issues

In This Issue:

REALTOR® Insider: D.C. News and Events

Most Real Estate Professionals Not Required by Law to Provide Census Data on Listed Properties

NeighborWorks® Warns Consumers about Loan Modification Scams

Business Report

HUD Issues Advance Notice of Proposed Rulemaking on "Required Use"

IRS Offers Details on New Small Business Health Care Tax Credit

FTC Delays Red Flag Rule Enforcement Again

NAR Submits Comments on Draft Privacy Bill

Employer-provided Health Insurance and IRS Reporting

Conventional Residential Lending Report

Lenders Likely to Double Check Borrower Eligibility before Closing in Response to Fannie Mae Loan Quality Initiative

Fannie Mae and Freddie Mac Release Their HAFA Guidelines

Environment Report

NAR Sends Out Call-For-Action To Reauthorize the NFIP

REALTOR® Insider: D.C. News and Events

Most Real Estate Professionals Not Required by Law to Provide Census Data on Listed Properties

Real estate brokers and agents with a typical residential listing agreement for the sale of a property are not required by law to respond to census enumerator's questions about the occupants of such property. That's the conclusion of NAR consultations with the U.S. Census Bureau. NAR has heard from a growing number of residential brokers and agents that census workers, in some cases, were aggressively seeking information about the occupants of homes among their listings. Some census workers claimed that the law requires brokers and agents to respond to such inquiries. In fact, Census Bureau officials acknowledge that the law does not generally apply to the "ordinary" case of a residential real estate broker or agent taking an exclusive listing for a residential property and marketing that property in the variety of ways that real estate professionals commonly do. A full explanation and advice for handling census inquiries is included in an NAR legal advisory.

NAR Legal Advisory >

Contacts: William Gilmartin, 202-383-1102

Contacts: Ralph Holmen, 312-329-8375

NeighborWorks® Warns Consumers about Loan Modification Scams

NeighborWorks® America has adopted its Loan Modification Scam Alert Campaign as this year's theme for its annual National NeighborWorks® Week, June 5-12, 2010. During this week, local NeighborWorks® organizations mobilize tens of thousands of volunteers. Loan modification scams are proliferating at a rapid pace as more and more homeowners face foreclosure. The NeighborWorks® campaign warns consumers about scam artists that prey on unsuspecting homeowners facing foreclosure.

The NeighborWorks® America is a nonprofit corporation created by Congress. Its mission is to create opportunities for people to live in affordable homes, improve their lives and strengthen their communities. NAR partnered with NeighborWorks® America and the Center for Responsible Lending in issuing a brochure to help consumers avoid foreclosure.

NeighborWorks® Loan Modification Scam Alert Site >
Search for NeighborWorks® Week Events in Your Area >
Foreclosure Avoidance Brochure Issued by NAR, NeighborWorks® America, and the Center for Responsible Lending >
NAR's Short Sale Web Page >

Contacts: Jeff Lischer, 202-383-1117

Contacts: William Gilmartin, 202-383-1102

Contacts: Tony Hutchinson, 202-383-1120

Business Report

HUD Issues Advance Notice of Proposed Rulemaking on "Required Use"

HUD issued an advanced notice of proposed rulemaking (ANPR) on the issue of "Required Use" under RESPA on Thursday, June 3, 2010. The Required Use rule was originally proposed in the 2008 RESPA rule but was fought in the courts by the National Association of Homebuilders. HUD withdraw that portion of the rule in early 2009. The ANPR is seen as an effort to restart the rulemaking process on Required Use. The final rule Required Use provision was narrowly taliored and did not affect most real estate professionals. However any new provision could impact real estate professionals and therefore NAR will be commenting again on this issue. Comments are due September 1, 2010. HUD will likely issue another final rule proposal some time after the expiration of the comment period.

HUD Notice of Proposed Rulemaking >

Contacts: Kenneth Trepeta, 202-383-1294

Contacts: Marcia Salkin, 202-383-1092

Contacts: Scott Rinn, 202-383-7508

IRS Offers Details on New Small Business Health Care Tax Credit

The Internal Revenue Service issued new guidance to make it easier for small businesses to determine whether they are eligible for the new health care tax credit under the Affordable Care Act and how large a credit they will receive. The guidance makes clear that small businesses receiving state health care tax credits may still qualify for the full federal tax credit. Additionally, the guidance allows small businesses to receive the credit not only for regular health insurance but also for add-on dental and vision coverage.

Notice 2010-44 provides detailed guidelines, illustrated by more than a dozen examples, to help small employers determine whether they qualify for the credit and estimate the amount of the credit. The notice also requests public comment on issues that should be addressed in future guidance.

Included in the Affordable Care Act approved by Congress in March and signed into law by the President, the small business health care tax credit, which is in effect this year, is designed to encourage small employers to offer health insurance coverage for the first time or maintain coverage they already have.

In general, the credit is available to small employers that pay at least half the cost of single coverage for their employees in 2010. The credit is specifically targeted to help small businesses and tax-exempt organizations that primarily employ moderate- and lower-income workers. For tax years 2010 to 2013, the maximum credit is 35 percent of premiums paid by eligible small business employers and 25 percent of premiums paid by eligible employers that are tax-exempt organizations. The maximum credit goes to smaller employers —— those with 10 or fewer full-time equivalent (FTE) employees —— paying annual average wages of $25,000 or less. The credit is completely phased out for employers that have 25 FTEs or more or that pay average wages of $50,000 per year or more. Because the eligibility rules are based in part on the number of FTEs, not the number of employees, businesses that use part-time help may qualify even if they employ more than 25 individuals.

Eligible small businesses can claim the credit as part of the general business credit starting with the 2010 income tax return they file in 2011.

Detailed Guide to the Credit >
3 Simple Steps for Claiming the Credit >

Contacts: Marcia Salkin, 202-383-1092

Contacts: Ken Wingert, 202-383-1196

Contacts: Kenneth Trepeta, 202-383-1294

FTC Delays Red Flag Rule Enforcement Again

Once again, on the eve of the Federal Trade Commission's (FTC's) planned enforcement of the Red Flags Rule, the Commission announced another enforcement delay, this time until December 31, 2010. The Commission has delayed its enforcement of the Rule several times (most recently until June 1, 2010). In the press release announcing this development, the FTC again stated that Congress requested the additional enforcement delay.

The Red Flags Rule requires "financial institutions" and "creditors" that maintain "covered accounts" to implement written, board-approved identity theft prevention programs for new and existing accounts. Unless modified, it is estimated that the Rule potentially is applicable to more than 11 million businesses.

FTC Press Release Announcing Enforcement Delay >

Contacts: Scott Rinn, 202-383-7508

NAR Submits Comments on Draft Privacy Bill

On May 4, Rep. Rick Boucher (D-VA) and Rep. Cliff Stearns (R-FL) unveiled a long-awaited draft proposal to protect the privacy of consumers' personal data on the internet, as well as offline. Under the comprehensive draft proposal, any entity that collects covered information about individuals would be required to provide a clear, understandable privacy policy that explains how that information is collected, used, and disclosed.

NAR submitted written comments expressing concerns with the draft including its broad application, the burden of supplying privacy policy notifications for offline data collection and the conflicts that arise with existing Federal privacy laws.

NAR will continue to work with the bill authors and with other similarly interested business coalitions to improve the legislation and to reduce the regulatory burden on REALTORS®.

NAR Comments >

Contacts: Melanie Wyne, 202-383-1234

Contacts: Ken Wingert, 202-383-1196

Employer-provided Health Insurance and IRS Reporting

Internet reports have created fears that any health insurance premiums that an employer pays on behalf of an employee will be taxable income for the employee, even though no cash is received. Not so!

The health insurance reform legislation includes a new requirement, effective for 2011 and after, that an employee's Form W-2 (Statement of Wages) must include information about the expenditure that an employer makes for the employee's health insurance. That amount, however, will NOT be included in gross income. The information about health insurance will be treated in a manner that is similar to current law treatment for life insurance premiums that an employer pays on behalf of an employee. For decades the law has required that employers provide information on the W-2 about life insurance premiums. The lilfe insurance premium amount is included in income (and taxed) ONLY when employees earn more than $50,000.

The new health insurance reporting format will be similar to the life insurance reporting, EXCEPT that no amount of the health insurance premium will be included in the worker's income. The health insurance premium amount will remain untaxed, as it is under current law.

Congress added this reporting provision to health care reform at the insistence of Chairman Baucus. The intent is that this information will begin an education process so that employees can see just how valuable employer-paid insurance is. It 's worth noting that excluding health insurance premiums from taxation (even though the insurance is a very valuable asset) is the largest single tax expenditure (MID is #3 — 20 years ago it was #1, but has slipped as low as #4, and is currently #3.)

Contacts: Linda Goold, 202-383-1083

Contacts: Samuel Whitfield, 202-383-1131

Contacts: Kenneth Trepeta, 202-383-1294

Conventional Residential Lending Report

Lenders Likely to Double Check Borrower Eligibility before Closing in Response to Fannie Mae Loan Quality Initiative

On March 2, 2010, Fannie Mae announced changes to its Selling Guide as part of its Loan Quality Initiative designed to improve the quality of loans it purchases. The Selling Guide has required that every mortgage loan delivered to Fannie Mae be underwritten in accordance with Fannie requirements to determine the borrower has the willingness and ability to repay the debt. Among numerous other changes, the update requires lenders to determine that all debts of the borrower as of the date of closing are disclosed on the final loan application and considered in underwriting the loan. In other words, borrowers who take on additional financial responsibilities after their loan is initially approved but before closing will be subject to a lender review to determine if they still qualify for the loan, probably based on an up-to-date credit report and score. If the lender fails to do so, Fannie may require the lender to buy back the mortgage, so lenders are expected to take this new guidance seriously.

Fannie Mae Announcement SEL-2010-01 >

Contacts: Jeff Lischer, 202-383-1117

Contacts: Tony Hutchinson, 202-383-1120

Contacts: Jerome Nagy, 202-383-1233

Fannie Mae and Freddie Mac Release Their HAFA Guidelines

On June 1, 2010, Fannie Mae and Freddie Mac each released guidelines for implementing the Treasury Department's Home Affordable Foreclosure Alternatives Program (HAFA). These new guidelines apply instead of the HAFA guidelines for non-GSE mortgages. Servicers are required to implement these policies no later than August 1, 2010. While largely consistent with the HAFA guidelines for non-GSE mortgages, Fannie and Freddie have each made some important differences.

To be eligible under the non-GSE HAFA program, the borrower must be delinquent or default must be reasonably foreseeable. Under Freddie's requirements, a borrower must be more than 60 days delinquent and have cash reserves less than the greater of $5,000 or three times the current monthly mortgage payment. Fannie allows borrowers to be at imminent risk of default. Fannie also prohibits a borrower from participating in HAFA if the borrower has the ability to continue making the mortgage payments, but chooses not to do so (sometimes called strategic default); has substantial unencumbered assets or significant cash reserves equal to or exceeding three times the borrower's total monthly mortgage payment or $5,000, whichever is greater; or has high surplus income.

Fannie and Freddie provide that the real estate commission is the amount in the listing agreement, but not more than 6 percent.

Fannie and Freddie allow for servicer incentives of $2,200 for a short sale and $1,500 for a deed-in-lieu of foreclosure (DIL). This is in contrast to the $1,500 servicer incentive for both a short sale and a DIL for non-GSE mortgages.

For both Fannie and Freddie, each subordinate lien holder in order of priority may be paid no more than 6% of the unpaid principal balance of its loan, until the $6,000 cap is attained. This policy remains unchanged from the non-GSE HAFA program. Consistent with the non-GSE HAFA program, Fannie and Freddie guidelines do not permit subordinate lien holders to require contributions from the real estate agent or borrower as a condition for releasing its lien and releasing the borrower from personal liability.

NAR will provide additional information on its short sales web site.

Fannie Mae HAFA Overview (including links to detailed guidelines) >
Freddie Mac Bulletin 2010-12, Home Affordable Foreclosure Alternatives >
Freddie Mac HAFA Web Site (including links to detailed guidelines) >
NAR's Short Sale Web Page >

Contacts: Jeff Lischer, 202-383-1117

Contacts: Tony Hutchinson, 202-383-1120

Environment Report

NAR Sends Out Call-For-Action To Reauthorize the NFIP

A NAR Call-For-Action was sent out to all members on Tuesday, June 1, after Congress adjourned without authorizing the National Flood Insurance Program (NFIP). The NFIP lapsed at midnight on Monday, May 31, the third time Congress has allowed it to do so this year. A lapsed NFIP means that it is unable to write new flood insurance policies or renew policies that are expiring during the period in which the program is lapsed. A lapsed NFIP can cause delays or even cancellations in real estate transactions nationwide. The Call-For-Action urges Congress to reauthorize and extend the program as soon as they return from their Memorial Day recess on May 7. In addition, this issue was a Talking Point at the most recent Mid-Year Meetings in Washington, DC. Please go to NAR's Flood Insurance webpage for the latest information on renewal of the NFIP, plus additional resources on the NFIP.

Visit NAR's Homepage on Natural Disaster/Flood Insurance >
Take Action Now! >

Contacts: Austin Perez, 202-383-1046

Contacts: Russell Riggs, 202-383-1259

Contacts: Helen Devlin, 202-383-7559

Monday, June 7, 2010

	Useful Info:

Government Affairs Homepage
NAR News
Health Insurance Reform
First-Time Home Buyers Tax Credit
Home Valuation Code of Conduct (HVCC)
Short Sales
FHA News and Resources
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All the other issues NAR Staff is working on
Contact Government Affairs staff

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Fw: Inman SUNDAY edition: 3 responses to seller objections

JOHN@JOHNJROSE.COM (Anonymous) — Sun, 06 Jun 2010 11:30:00 +0000

John Rose
561-414-0012 phone
561-210-7111 fax
john@johnjrose.com

Sent from my Verizon Wireless BlackBerry

From: "Inman News Headlines" <dailynews@inman.com>

Date: Sun, 06 Jun 2010 03:59:00 -0700

To: <JOHN@johnjrose.com>

Subject: Inman SUNDAY edition: 3 responses to seller objections

Today's Top Real Estate and Technology News - View this e-mail as a Web page

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SPECIAL SUNDAY EDITION

Sunday, June 06, 2010

3 responses to seller objections
'Mastering real estate negotiations' By BERNICE ROSS

Industry faces 'changing of the guard'

Realtor.com iPhone app hits 1 million downloads

CoreLogic expands property database

Appraisers create practices board

Realogy to feed listings to vacation-home site

Making guacamole -- video from Kris Berg

5 ways to use tech to save time and money

Talk show explores Latino market

Beware 'minimum wage' appraisers

Latest News »

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This is a special edition of the Inman News Headlines, which are regularly published twice daily from Monday–Friday. To gain unlimited access to all Inman News articles and take advantage of exclusive, premium members-only benefits including free access to our Industry Special Reports and Week-in-Review e-mails, plus discounts on our industry-leading events and in-depth research reports, Upgrade to an Inman News Premium Membership today!

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Fw: Inman PM: Borrowers look like IEDs to lenders

JOHN@JOHNJROSE.COM (Anonymous) — Fri, 04 Jun 2010 20:06:00 +0000

John Rose
561-414-0012 phone
561-210-7111 fax
john@johnjrose.com

Sent from my Verizon Wireless BlackBerry

From: "Inman News Headlines" <dailynews@inman.com>

Date: Fri, 04 Jun 2010 12:33:29 -0700

To: <JOHN@johnjrose.com>

Subject: Inman PM: Borrowers look like IEDs to lenders

Today's Top Real Estate and Technology News - View this e-mail as a Web page

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TODAY'S TOP STORIES
= Premium Member News - Join Now »

Friday, June 04, 2010

Borrowers look like IEDs to lenders
By LOU BARNES Today's payroll flop -- only 20,000 real jobs created in May -- will take some time to settle all the way in. Immediately: 10-year T-notes are 3.22 percent (from 3.36 percent yesterday and 3.99 percent six weeks ago), and mortgages are below 5 percent. More »

Handling agents' 'quick questions'
The Wheel Estate Cam: Episode 26

A recipe for housing bubbles
Analyst says development restraints inflated prices

Navigating FHA condo roadblocks
Home Sale Hindsight

Synthetic decking gets bad rap
Lawsuits against one manufacturer cast doubt on quality, recourse

Better, cheaper solutions for traffic control
Urban planning's black eye

OTHER TOP STORIES

Negotiate face to face, not by fax

California may expand protections for distressed borrowers

Principal reductions may catch on

Trulia launches rent-vs.-buy index

Bumpy road ahead for overseas property

Does racism threat justify lease-breaking?

Latest News »

READER COMMENT

"Would I walk away? I already have. I have absolutely no guilt about doing it. A mortgage is more than a contract. It is a covenant, meaning it requires good faith by its parties in its execution. When a contract is designed and executed by one party, with an intent other than the purpose of making a good mortgage with a partner, then the contract by nature is not of good faith. When a contract cannot by mitigated in its problems by the honest efforts of its parties, then the contract by nature is not of good faith." --Eric James

TARA-NICHOLLE NELSON: Recent Columns

Why some sellers insist on cash

Broker fights for commission on expired listing

Shake your addiction to debt

More Tara-Nicholle Nelson»

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Inman News, 1100 Marina Village Parkway, Suite 102, Alameda, CA 94501

Posted via email from jrosegslimo's posterous

Fw: Today's News: Surge in PendingHome Sales Continues

JOHN@JOHNJROSE.COM (Anonymous) — Thu, 03 Jun 2010 22:43:00 +0000

John Rose
561-414-0012 phone
561-210-7111 fax
john@johnjrose.com

Sent from my Verizon Wireless BlackBerry

From: "REALTOR(R) Magazine Online" <NAR@nar.ed10.net>

Date: Thu, 03 Jun 2010 18:17:50 -0400

To: <john@johnjrose.com>

Subject: Today's News: Surge in Pending Home Sales Continues

If you have trouble reading this e-mail click here.

Posted via email from jrosegslimo's posterous

Fw: Today's News: Owners in DefaultStay in Homes Anyway

JOHN@JOHNJROSE.COM (Anonymous) — Tue, 01 Jun 2010 19:11:00 +0000

John Rose
561-414-0012 phone
561-210-7111 fax
john@johnjrose.com

Sent from my Verizon Wireless BlackBerry

From: "REALTOR(R) Magazine Online" <NAR@newsletters.realtor.org>

Date: Tue, 01 Jun 2010 14:51:27 -0400

To: <john@johnjrose.com>

Subject: Today's News: Owners in Default Stay in Homes Anyway

If you have trouble reading this e-mail click here.

Posted via email from jrosegslimo's posterous

Fw: Weekly Real Estate News: MortgageRates Might Not Be Low for Long

JOHN@JOHNJROSE.COM (Anonymous) — Fri, 28 May 2010 16:53:00 +0000

John Rose
561-414-0012 phone
561-210-7111 fax
john@johnjrose.com

Sent from my Verizon Wireless BlackBerry

From: "REALTOR(R) Magazine Online" <NAR@newsletters.realtor.org>

Date: Fri, 28 May 2010 12:51:41 -0400

To: <john@johnjrose.com>

Subject: Weekly Real Estate News: Mortgage Rates Might Not Be Low for Long

If you have trouble reading this e-mail click here.

Posted via email from jrosegslimo's posterous

Fw: Today's News: April Home Sales Spike 14.8%

JOHN@JOHNJROSE.COM (Anonymous) — Thu, 27 May 2010 16:47:00 +0000

John Rose
561-414-0012 phone
561-210-7111 fax
john@johnjrose.com

Sent from my Verizon Wireless BlackBerry

From: "REALTOR(R) Magazine Online" <NAR@newsletters.realtor.org>

Date: Thu, 27 May 2010 12:42:46 -0400

To: <john@johnjrose.com>

Subject: Today's News: April Home Sales Spike 14.8%

If you have trouble reading this e-mail click here.

Posted via email from jrosegslimo's posterous

Blogger Buzz: Blogger integrates with Amazon Associates

JOHN@JOHNJROSE.COM (Anonymous) — Thu, 27 May 2010 12:19:00 +0000

Blogger Buzz: Blogger integrates with Amazon Associates

looking to Buy or sell Real Estate in Florida Please give me a call John Rose 561-414-0012john@johnjrose.com www.bocadelrayhomevalues.com