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St. Louis Real Estate Search

 

Missouri Insurance Department Providing Assistance to Flood Victims With Insurance Needs






The Missouri Insurance Department announced they will have Consumer specialists in place this week and next at Multi-Agency Resource Centers (MARC) throughout the state to assist flood victims with their insurance claims. […]

Merry Christmas!

The Birth of Jesus Luke 1-20

“In those days Caesar Augustus issued a decree that a census should be taken of the entire Roman world. (This was the first census that took place while[a] Quirinius was governor of Syria.) And everyone went to their own town to register.

So Joseph also went up from […]

FEMA Announces Disaster Assistance Is Now Available to Missouri Flood and Storm Victims






Today, the U.S. Department of Homeland Security’s Federal Emergency Management Agency (FEMA) announced that federal disaster assistance has been made available to residents of 33 counties in Missouri that suffered damage as the result of severe storms, tornadoes, straight-line winds, and flooding that occurred between December 23, 2015 and January 9, 2016. […]

Remembering Dr. Martin Luther King, Jr. and His Impact On Fair Housing






Today, as we celebrate the life of Dr. Martin Luther King, Jr., I wanted to focus on the dramatic change for the good that was brought about in the area of housing as a result of the efforts of Dr. King and the movement he started. Through the efforts of the civil rights movement, Dr. King and others were able to get the attention of our nation resulting in President John F. Kennedy, in a nationally televised address on June 6, 1963, urging the nation to ” take action toward guaranteeing equal treatment of every American regardless of race.” […]

Happy Thanksgiving!






Whereas it is the duty of all nations to acknowledge the providence of Almighty God, to obey His will, to be grateful for His benefits, and humbly to implore His protection and favor; and—Whereas both Houses of Congress have, by their joint committee, requested me “to recommend to the people of the United States a day of public thanksgiving and prayer, to be observed by acknowledging with grateful hearts the many and signal favors of Almighty God, especially by affording them an opportunity peaceably to establish a form of government for their safety and happiness:” […]

Dr. Martin Luther King Jr Inspired Peace Park Here in St Louis






Today, as we celebrate the life of Dr. Martin Luther King, Jr., it is hard for me to believe that, during my lifetime, there was a time when it was legal to refuse to rent or sell a house to someone because of their race or skin color, but it was. However, the Civil Rights Act of 1968, also referred to as the “Fair Housing Act of 1968”, which was signed into law by President Lyndon Johnson, just one week after Dr. King’s assassination, corrected this atrocity and made it illegal to refuse to rent or lease a home to someone based upon their race. […]

God Bless America!

The best cities for romance and real estate






Before you get all excited, no, St. Louis did not make the top ten list of the best cities in America for young singles to relocate for love. Wait, before you think I have lost my mind, or are using a cheesy seasonal top-ten list for readership, it’s not my doing….it’s actually Zillow’s idea. This week, Zillow introduced their “In the Move for Love Index”, which lists the best cities for young singles to relocate for love. In evaluating locations for their list, Zillow considered the cost of rent versus income, walkability of the city as well as “supply and demand”…well, um, “the ratio of, and abundance of, single males to single females under 35”. […]

Mortgage relief received in 2012 may not be taxable






Missourians have received more than $112 million of mortgage relief as a result of the National Mortgage Settlement reached a year ago with the nations largest lenders, according to Missouri Attorney General Chris Koster. Koster, along with Attorney Generals from other states, sent a letter to Congress last November urging them to extend a measure that was due to expire at the end of 2012 that would provide tax relief for some people receiving mortgage relief in the form of principal reduction and short sales. January 1, 2013, Congress passed the extension as part of the American Taxpayer Relief Act of 2012. […]

Dr. Martin Luther King Jr. remembered






One of the most important accomplishments of Dr King and the Civil Rights movement was the passage of the Civil Rights Act of 1964 which was signed into law on July 2, 1964 and prohibited discrimination in public places, provided for integration of schools and made employment discrimination illegal. It did not, however, make discrimination in housing illegal which Dr. King and the Civil Rights Movement continued to work toward. […]

Happy New Year!

Merry Christmas!

Photo by: John Pavelka

St Louis Home Inspector Shares Facts Home Buyers Need to know about Mold






Most people today know enough about mold to know that it is a potential health problem. You may envision it as a serious respiratory health concern. This mysterious enigma does not wear a skull and crossbones, but some see it as a “deal killer” just the same. Today we’ll share some facts about dealing with potential mold problems in the middle of a real estate transaction. Why is Mold a health concern? […]

Missouri Attorney General Files Lawsuits Against Three Mortgage-Modification Companies For Misleading Consumers






Yesterday, Missouri Attorney General Chris Koster filed three separate lawsuits against individuals and their companies for misleading Missouri consumers in connection with mortgage-modification services. The lawsuits were filed against Colleen Kelly, a Missouri resident operating Heartland Loss Mitigation, LLC,; Eric Mader, a Florida attorney operating Mader Law Group, LLC, a Florida company; and Jim Caplan, a Florida attorney operating CAPLAW, P.A., a Florida company. […]

Should you consider a strategic default if you are underwater on your mortgage?






Over one in four homeowners in the U.S. with a mortgage are “underwater” meaning they owe more on their homes than they are currently worth and, according to data just released from a survey by Zillow, 75 percent of them are underwater by 40 percent or more meaning it will most likely be many years until they even have the hope of seeing equity in their home again. Nonetheless, this has not deterred the majority of these underwater homeowners from “staying the course” as 59 percent said would not consider a strategic default in order to get out from under their home. […]

Is there a 3.8 percent house sale tax in the health-care legislation?






In the past few months I have received dozens of emails being forwarded around the internet warning of a new “3.8 percent real estate tax” or “tax on home sale” coming as a result of Obamacare. Given there seem to be many misconceptions out there about this topic I decided to address it this morning. For starters, there is not a 3.8 percent house sale tax in the health care legislation per se. There is, however, a 3.8 percent on unearned income for high-income individuals and couples that could end up being applied to the sale of one’s home. […]

Watering your lawn could prevent a leaky basement






At present it looks as though 2012 may again be a year to remember for foundation issues. To date, this has been a very dry year. At present we are somewhere around 5-6 inches behind in rainfall. You can see the cracks beginning to develop in the grounds. We have also been in the growth cycle for trees during this time and the growing season was advanced due to the unusually warm March throughout most of the country […]

Should I Rent or Buy a Home?






Lately the $64 question for many people is whether to rent or buy a home. I think by now everyone knows that, as a result of the collapse in home prices and dirt-cheap interest rates, buying a home is now more affordable than ever, but for a lot of people there are still doubts or concerns that need to be addressed before making the decision whether or not to buy. Many of these issues stem around financing including; how much down payment will be necessary, what can I afford, etc. The American’s Banker Association (ABA)came out with five questions every potential buyer should ask when deciding to buy or rent a home that, along with the helpful online calculators they offer, I think may be very helpful: […]

Top 100 web sites for do it yourself home improvement






Are you ready to tackle that bathroom renovation you’ve been putting off? Before you pick up the phone and hire a contractor, why not save some cash and try your hand at it. Considering the cost of renovations for homeowners, DIY has gained popularity. The following list, created by Construction Management Degree.com, contains 100 of the top DIY websites to help guide your home improvement projects, in no particular order. We arrived at this list through our own research, and for the benefit of our readers. The list is organized by area of the home including; General Remodeling, Interior Decorating, Kitchen and Bathroom, Office and Workspaces, Landscaping and Exterior, Basement, Storage, and Closets. […]

How to apply for independent foreclosure review






If you feel you were a victim of an improper foreclosure process in 2009 or 2010 by one of the companies below, you may apply for an independent foreclosure review and receive compensation if the independent review finds evidence of direct financial injury to you due to servicer error. Time is running out however as the deadline to apply is July 31, 2012. To make it easier to understand the process, the fed’s have produced a video on how to apply which I have included below. […]

Helpful Spring Maintenance Tips for Homeowners

Spring Maintenance It is that time of year again. Here are a few things to remember:

Clean debris from the gutters and downspouts. Re-establish good slope and secure anygutters that may have sagged from ice and snow. Caulk any joints that leak. The maincause of moisture in basements is poor drainage (e.g. gutter, […]

Victims of bad foreclosure practices get more time to apply for review and possible compensation






Last November I wrote about how victims of wrongful foreclosure could apply for an independent review of their file and possibly receive compensation under a new presented by acting Comptroller of the Currency, John Walsh. The deadline to apply for this was to be April 30, 2012, however, today, the Office of the Comptroller of the Currency announced they have extended the deadline to apply three months until July 31, 2012. […]

Houses and the human body have a lot of similarities






Have you ever thought about the similarities between houses and the human body? For example as our bodies age, things are not quite as straight, square and firm as they once were in our younger years. At one time I had a 44 inch chest and now with age it seems that chest dimension is closer to my waist line. In most cases, this aging in homes translates into floors not being totally level and windows and doors being skewed slightly or not latching. While this may create slight operational issues these conditions are quite common in older homes, some more so than others depending on the age, floor plan, design etc. While one could, in theory go through and re-level the floors, in my opinion in most cases this would be an unnecessary expense and cause additional problems. Quite frankly many look at these conditions as part of the “character” and “charm” of an older home. […]

Where is the St Louis Real Estate Market Headed in 2012?

Shortly after finishing my video recap of the 2011 St Louis Real Estate Market I began analyzing our market data and giving thought to the 2012 St. Louis Real Estate market.  The end result?  The MORE St Louis Market 2012 Forecast.   For a link to my 15 minute video as well as a downloadable […]

Baby Boomers Helping Their Kids Buy Homes






Want to buy a house but a little short on cash? If your parents or grandparents are of the baby boomer generation then no problem, they’ll give you the cash! Well, at least one in five will according to a recent survey by Better Homes and Gardens Real Estate. […]

2012 Presidential Elections: 69.6% of Americans Said Housing Will Influence Their Vote






Candidate positions on housing will be important considerations to nearly seven of 10 Americans (69.6%) in the 2012 presidential and congressional elections, according to a new national survey on housing released today by Move, Inc. This is especially true for Millennials(1) (70.7%), the next generation of homebuyers and the segment expected to play as important a role in the 2012 elections as they did in 2008. […]

Victims of bad foreclosure practices can now apply for review and possible compensation






In late September I wrote about a plan presented by acting Comptroller of the Currency, John Walsh, to address the “robo-signing” issue as well as other improper practices in the foreclosure process that have surfaced. Mr. Walsh’s plan includes an independent review of the files of borrowers that feel they were a victim of a wrongful foreclosure practice as well as the potential for compensation or other relief for borrowers that were found to have been subject to improper foreclosure practices. Just this week it was announced that eligible borrowers may not apply for a review of their file and, if irregularities are found, file a claim for compensation. […]

The 10 Best Places to Retire in 2012






Today U.S. News Media Group unveiled The 10 Best Places to Retire in 2012 with top locations in 10 key categories that are most often considered as key factors by people when choosing where to retire. St. Louis didn’t make the top of any of the 10 categories, but I’m sure must be on one of the top ten cities within one of the categories. […]

How To Use The Internet To Perform Due Diligence On Real Property






As far as I’m concerned, the Internet is one of the greatest inventions of all time, and ranks right up there with flush toilets, sliced bread and basketball! For real estate investors, the Internet is the single best property due diligence research tool available. Especially for investors who are located in counties where property tax rolls are online. […]

How to Choose a Real Estate Investment Strategy That’s Right for You






Unfortunately, there are no cookie-cutter strategies, which will work for all investors in every single real estate market nationwide. And that’s exactly why, when you’re starting out in this business, you must take your time and carefully analyze a real estate investment strategy and take into account, the: […]