Monday, March 31, 2008

Real Estate Information, Foreclosures 3-29 to 3-30


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The following are the links to the selected listings.

Details 384566, 1844 NE MARA DR, BIRMINGHAM, AL - $88,000.00
Details 384144, 137 PINE ROCK LN, HOOVER, AL - $299,900.00
Details 384525, 1021 BELVEDERE COVE, #6, BIRMINGHAM, AL - $307,900.00

Or Click Here to go view all listings at once.

If your email program doesn't support an HTML url, then copy and paste the following
address to your browser's address box. Make sure you copy and paste the
entire link; it may appear on multiple lines.

http://bhammls.net/BAARReports/listings.asp?ID=RBR6969069

REALTORS: REAL-Service REAL-Expertise.
You can also visit http://www.bruceweaver.com to perform your own property search.

Thank you for your interest. If I can be of further assistance you can reach me by phone most any time between 8:00 am and 9:00 pm 7 days a week. You can also email me at bruce@bweaver.com.
Bruce Weaver
205-965-6761

Friday, March 28, 2008

Real Estate Information, New Foreclosures 3-27/3-28


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The following are the links to the selected listings.

Details 384279, 1871 RIVERBEND CIR, HAYDEN, AL - $79,900.00
Details 384304, 6025 HOLLY TRACE, ANNISTON, AL - $154,900.00
Details 384173, 7000 S 3RD AVE, BIRMINGHAM, AL - $25,000.00
Details 384311, 312 ADAMS ST, JEMISON, AL - $49,900.00
Details 384181, 3109 N 7TH AVE, BESSEMER, AL - $14,900.00
Details 384301, 5660 EASTERN VALLEY RD, MCCALLA, AL - $159,900.00
Details 384208, 3705 SW LAUREL AVE, BIRMINGHAM, AL - $19,900.00
Details 384325, 457 VALLEY RD, BIRMINGHAM, AL - $48,000.00
Details 384303, 2804 LAWN AVE, BIRMINGHAM, AL - $54,900.00
Details 384237, 2849 20TH ST, BIRMINGHAM, AL - $70,000.00
Details 384326, 2333 22ND ST, BIRMINGHAM, AL - $75,000.00
Details 384283, 1121 W HEFLIN AVE, BIRMINGHAM, AL - $52,900.00

Or Click Here to go view all listings at once.

If your email program doesn't support an HTML url, then copy and paste the following
address to your browser's address box. Make sure you copy and paste the
entire link; it may appear on multiple lines.

http://bhammls.net/BAARReports/listings.asp?ID=RBR6952059

REALTORS: REAL-Service REAL-Expertise.
You can also visit http://www.bruceweaver.com to perform your own property search.

Thank you for your interest. If I can be of further assistance you can reach me by phone most any time between 8:00 am and 9:00 pm 7 days a week. You can also email me at bruce@bweaver.com.
Bruce Weaver
205-965-6761

Wednesday, March 26, 2008

Real Estate Information, New Foreclosures


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The following are the links to the selected listings.

Details 383978, 6217 CARDINAL DR, PINSON, AL - $175,000.00
Details 383913, 2509 CARMEL RD, BIRMINGHAM, AL - $89,250.00
Details 384077, 840 NW 23RD TERR, CENTER POINT, AL - $93,000.00
Details 384110, 873 S 77TH ST, BIRMINGHAM, AL - $29,900.00
Details 384029, 615 PINEHILL RD, BIRMINGHAM, AL - $12,000.00
Details 384031, 5751 COLONY LN, HOOVER, AL - $124,900.00
Details 384055, 1729 PATTON CHAPEL RD, HOOVER, AL - $225,000.00
Details 384076, 1001 STAFFORD CT, BIRMINGHAM, AL - $349,000.00
Details 383984, 1360 SHELBY FOREST CT, CHELSEA, AL - $171,000.00
Details 384100, 139 ELRIE BLVD, BESSEMER, AL - $35,000.00

Or Click Here to go view all listings at once.

If your email program doesn't support an HTML url, then copy and paste the following
address to your browser's address box. Make sure you copy and paste the
entire link; it may appear on multiple lines.

http://bhammls.net/BAARReports/listings.asp?ID=RBR6937855

REALTORS: REAL-Service REAL-Expertise.
You can also visit http://www.bruceweaver.com to perform your own property search.

Thank you for your interest. If I can be of further assistance you can reach me by phone most any time between 8:00 am and 9:00 pm 7 days a week. You can also email me at bruce@bweaver.com.
Bruce Weaver
205-965-6761

Tuesday, March 25, 2008

Fw: Real Estate Advisor: April

Sent from my BlackBerry® wireless device
Thank you,
Bruce Weaver
RE/MAX Southern Homes

www.bweaver.com


-----Original Message-----
From: "Bruce Weaver" <a55023@real-estate-mail.net>

Date: Tue, 25 Mar 2008 07:59:45
To:"b weaver" <pellcity@gmail.com>
Subject: Real Estate Advisor: April





Real Estate Advisor: April <http://media.reliancenetwork.com/media/global/newsletters/mon


thly/2008/April/April_header.jpg>
Real Estate Advisor: April




*

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Last Minute Tax Tips

Most of us welcome the middle of April - the weather finally starts to show some of the promise of Spring, letting us know that Summer can't be far behind. For a few harried individuals, however, this time of year is the start of nail-biting, hope-I-didn't-forget-anything dash of paperwork in order to meet the IRS's filing deadline on the 15th. If you're one of these bleary-eyed souls, this last minute guide is for you.
Beat the Deadline
<http://media.reliancenetwork.com/media/global/newsletters/mon


thly/2008/April/Tax.jpg> In order to be considered on time, your return must be properly addressed and postmarked no later than April 15. That doesn't mean that you have until the 15th to start your taxes, however. Procrastinating until the last minute can easily cause you to miss potential sources of tax savings and will put you in far greater jeopardy of making mistakes.
File a Paperless Return
Filing your return online can be far easier than putting pen to paper the old fashioned way. A number of professional tax return preparers offer electronic filing of tax returns in addition to their normal return preparation services. In most cases these e-filing services do a good job of guiding you through the entire filing process. Most charge a modest fee and offer a range of additional e-filing products for those who need additional assistance.
In addition to being fairly easy, e-filing is the typically the quickest and most accurate method of filing tax return. If you're due a refund, the waiting time for e-filers is half that of paper filers. By filing online you also have the option to have any refund directly deposited into your bank account. Almost 80 million taxpayers filed their returns electronically in last fiscal year.
Payment Options
If you can't immediately pay the full balance of taxes you owe, there are still alternatives available to you. You can apply for an IRS installment agreement, using their new Online Payment Agreement application on IRS.gov. This Web-based tool allows qualified taxpayers or their official representatives to self-qualify, apply for, and receive immediate notification of approval. You also have a number of options for charging your balance on a credit or debit card. There is no IRS fee for credit or debit card payments, but the processing companies will charge a convenience fee. E-filers with a balance due may pay their taxes directly from their checking or savings account on the April due date with no service fee.
Extensions
Should you find that you are unable to file by the due date of your return, you can request an extension of time to file. However, it's important to note that an extension of time to file is not an extension of time to pay. You will owe interest on any past-due tax and you may be subject to a late-payment penalty if payment is not made timely. To receive an automatic 6-month extension of time to file your return, you must file Form 4868 by the due date of your return.
Joint Returns <http://media.reliancenetwork.com/media/global/newsletters/mon


thly/2008/April/Tracks.jpg> If you are married and will be filing a joint return, remember that both husband and wife must sign the return. If your spouse cannot sign (because of disease or injury) and requests that you sign the return, you should sign your spouse's name in the proper place followed by the word "by" your signature, followed by the word "husband" or "wife". Don't forget to also sign in the space provided for your own signature. In addition, you must attach a statement that includes the form number of the return you are filing, the tax year, the reason your spouse cannot sign the return, and a statement that your spouse has agreed to your signing for him or her.
Special Rebate
Unless you've been sleepwalking for the last few months, you probably have heard about the individual rebates that many taxpayers will be receiving as part of an economic stimulus package. Under the Economic Stimulus Act of 2008, some 130 million Americans will receive checks entirely separate from normal refunds. The most common questions: who will be getting money, how much and when?
If you earned more than $3,000 for the 2007 tax year but owed no taxes, you will get some money back. If you had any net tax liability for 2007 you should likewise seem some form of rebate. In many cases there is a rebate bonus for taxpayers who claim children (those under 17 years of age). Non resident aliens are excluded from the rebate program. The rebate amount begins filing out if your adjusted gross income is over a certain threshold ($75,000 for single filers, $150,000 for married couples filing jointly).
In general, the basic rebate amounts break down as follows:

* Individual taxpayers could receive rebate checks ranging from $300 to $600.
* Married couples will get up to $1,200.
* Most individuals who have income of $3,000 but who do not have to file a return will get $300.
* Some taxpayers with children will receive an additional $300 per child.

Because the IRS needs time to the normal glut of 1040s from filing season, checks will not start being issued until May at the earliest. According to the IRS, payment date will be based on the last two-digits of your Social Security number, with checks being mailed between mid-May and Mid-July. If you previously requested that your standard tax return's refund be directly deposited to your bank account, the additional rebate will likewise come through as a direct deposit.
Go to the Pros
If you've decided to wait until the last minute to file your tax return, chances are this isn't the first time in your life that someone has told you to seek professional help. In all seriousness, when the deadline is fast approaching obtaining a seasoned tax expert is a sound decision. The extra care, protection and expertise that a knowledgeable tax preparer can provide are more than worth the cost of their services.

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Sunday, March 23, 2008

Real Estate Information, New Foreclosure


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The following are the links to the selected listings.

Details 383698, 511 TAMWORTH LN, HOMEWOOD, AL - $575,000.00

Or Click Here to go view all listings at once.

If your email program doesn't support an HTML url, then copy and paste the following
address to your browser's address box. Make sure you copy and paste the
entire link; it may appear on multiple lines.

http://bhammls.net/BAARReports/listings.asp?ID=RBR6915257

REALTORS: REAL-Service REAL-Expertise.
You can also visit http://www.bruceweaver.com to perform your own property search.

Thank you for your interest. If I can be of further assistance you can reach me by phone most any time between 8:00 am and 9:00 pm 7 days a week. You can also email me at bruce@bweaver.com.
Bruce Weaver
205-965-6761

Saturday, March 22, 2008

Real Estate Information, Recent Foreclosures


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The following are the links to the selected listings.

Details 383285, 3008 WARE DR, DORA, AL - $69,900.00
Details 383569, 9494 DADS HILL RD, WARRIOR, AL - $94,000.00
Details 383305, 1986 FOUNDERS CIR, KIMBERLY, AL - $229,000.00
Details 383102, 2644 CHESTNUT WAY, PINSON, AL - $89,900.00
Details 383577, 5107 STONEARBOR DR, PINSON, AL - $89,900.00
Details 383253, 5025 GOLD LEAF LN, PINSON, AL - $187,500.00
Details 383537, 248 TUCKER AVE, BIRMINGHAM, AL - $29,000.00
Details 383242, 1209 BIRCHWOOD ST, BIRMINGHAM, AL - $54,900.00
Details 382983, 340 POLLY REED RD, BIRMINGHAM, AL - $54,900.00
Details 383347, 1000 SPRINGVIEW ST, BIRMINGHAM, AL - $54,900.00
Details 382920, 1613 NW 5TH ST, BIRMINGHAM, AL - $79,900.00
Details 383533, 1220 BIRCHWOOD ST, BIRMINGHAM, AL - $84,000.00
Details 382935, 215 VON DALE DR, BIRMINGHAM, AL - $84,900.00
Details 383474, 733 ORCHARD RD, BIRMINGHAM, AL - $87,400.00
Details 383534, 2633 NW 2ND PL, BIRMINGHAM, AL - $87,500.00
Details 383581, 1123 KAWANDA LN, BIRMINGHAM, AL - $89,900.00
Details 383277, 1142 EDWARDS LAKE RD, BIRMINGHAM, AL - $109,250.00
Details 383559, 505 LAKESIDE CIR, BIRMINGHAM, AL - $109,900.00
Details 383261, 835 SHERMAN OAKS DR, BIRMINGHAM, AL - $109,900.00
Details 383544, 1619 NW 6TH PL, BIRMINGHAM, AL - $115,000.00
Details 383232, 3374 SMITH SIMS RD, #1, TRUSSVILLE, AL - $199,900.00
Details 383602, 229 RIDGEWOOD DR, #42, TRUSSVILLE, AL - $245,000.00
Details 383252, 6107 BROADWING RD, TRUSSVILLE, AL - $245,900.00
Details 383096, 1116 AVALON DR, MOODY, AL - $148,000.00
Details 383294, 990 MAIN ST, RAGLAND, AL - $15,900.00
Details 383555, 266 RIDGE RD, ODENVILLE, AL - $32,000.00
Details 383565, 40 OLIVIA DR, TRUSSVILLE, AL - $120,000.00
Details 383606, 407 E 21ST ST, ANNISTON, AL - $34,900.00
Details 383171, 6309 MEADOWLARK DR, #10, ANNISTON, AL - $59,900.00
Details 383229, 61 TOLBERT, ANNISTON, AL - $64,500.00
Details 383344, 1305 CLAIRMONT DR, WEAVER, AL - $74,500.00
Details 383430, 8720 N 2ND CT, BIRMINGHAM, AL - $15,900.00
Details 383531, 8309 S 8TH AVE, BIRMINGHAM, AL - $19,000.00
Details 383139, 8116 N 5TH AVE, BIRMINGHAM, AL - $29,900.00
Details 383175, 4920 N 2ND AVE, BIRMINGHAM, AL - $34,900.00
Details 383128, 18 4TH AVE, BIRMINGHAM, AL - $36,000.00
Details 383541, 612 BISCAYNE DR, BIRMINGHAM, AL - $44,500.00
Details 383547, 8005 S 9TH AVE, BIRMINGHAM, AL - $55,000.00
Details 383383, 1150 HALL ST, TARRANT, AL - $7,900.00
Details 383070, 1932 N 15TH CT, BIRMINGHAM, AL - $25,200.00
Details 383554, 1389 FULTON AVE, BIRMINGHAM, AL - $32,250.00
Details 382940, 1440 AUBURN AVE, BIRMINGHAM, AL - $45,000.00
Details 382923, 1624 34TH AVE, BIRMINGHAM, AL - $79,900.00
Details 383236, 6029 S 5TH AVE, BIRMINGHAM, AL - $15,000.00
Details 383508, 206 MOUNTAIN AVE, MOUNTAIN BROOK, AL - $340,000.00
Details 383490, 2733 OLD TRC, MOUNTAIN BROOK, AL - $900,000.00
Details 383075, 1628 STONEWALL DR, BIRMINGHAM, AL - $239,900.00
Details 383120, 3408 OLD WOOD LN, VESTAVIA HILLS, AL - $254,000.00
Details 383465, 2415 HWY 45, STERRETT, AL - $109,900.00
Details 383553, 84 HWY 97, COLUMBIANA, AL - $75,000.00
Details 383299, 2024 ASHLAND HWY, TALLADEGA, AL - $34,900.00
Details 383197, 136 WINSTON ST, TALLADEGA, AL - $143,900.00
Details 383586, 520 PARK VILLAGE LN, ALABASTER, AL - $132,000.00
Details 383431, 1713 LONG 14TH ST, BESSEMER, AL - $29,000.00
Details 383550, 426 S 10TH ST, BESSEMER, AL - $31,000.00
Details 383548, 108 OWEN AVE, BESSEMER, AL - $38,000.00
Details 383588, 429 CENTER ST, BESSEMER, AL - $40,000.00
Details 383487, 1928 BERKLEY AVE, BESSEMER, AL - $72,900.00
Details 383491, 678 FLINT HILL RD, BESSEMER, AL - $79,900.00
Details 383564, 1243 4TH PL, PLEASANT GROVE, AL - $106,500.00
Details 383040, 96 CRYSTAL AVE, HUEYTOWN, AL - $144,900.00
Details 383191, 5483 COACH LN, BESSEMER, AL - $198,900.00
Details 383557, 6204 LETSON FARMS DR, MCCALLA, AL - $181,900.00
Details 383566, 15565 DON ANDERSON PKWY, BROOKWOOD, AL - $128,400.00
Details 383293, 4612 SW GRASSELLI BLVD, BIRMINGHAM, AL - $8,900.00
Details 383506, 1308 W 47TH ST, BIRMINGHAM, AL - $23,000.00
Details 383200, 632 SW 27TH ST, BIRMINGHAM, AL - $24,900.00
Details 383545, 5505 TERRACE Q, BIRMINGHAM, AL - $25,000.00
Details 383551, 424 SW 12TH ST, BIRMINGHAM, AL - $26,000.00
Details 383315, 728 SW MCMILLON AVE, BIRMINGHAM, AL - $29,900.00
Details 383592, 5106 OVERLOOK PL, FAIRFIELD, AL - $38,000.00
Details 383228, 1524 41ST ST, BIRMINGHAM, AL - $45,900.00
Details 383113, 1331 29TH ST, BIRMINGHAM, AL - $45,900.00
Details 383297, 875 W 7TH ST, BIRMINGHAM, AL - $55,000.00
Details 383223, 477 BORDER ST, BIRMINGHAM, AL - $114,900.00
Details 383539, 3318 BONDS AVE, BIRMINGHAM, AL - $64,000.00
Details 383543, 904 W LYNN DALE LN, BIRMINGHAM, AL - $50,000.00

Or Click Here to go view all listings at once.

If your email program doesn't support an HTML url, then copy and paste the following
address to your browser's address box. Make sure you copy and paste the
entire link; it may appear on multiple lines.

http://bhammls.net/BAARReports/listings.asp?ID=RBR6911322

REALTORS: REAL-Service REAL-Expertise.
You can also visit http://www.bruceweaver.com to perform your own property search.

Thank you for your interest. If I can be of further assistance you can reach me by phone most any time between 8:00 am and 9:00 pm 7 days a week. You can also email me at bruce@bweaver.com.
Bruce Weaver
205-965-6761

Thursday, March 06, 2008

Fw: Real Estate Advisor: March

------Original Message------
From: Bruce Weaver
To: Bruce Weaver
ReplyTo: Bruce Weaver
Sent: Feb 25, 2008 6:00 AM
Subject: Real Estate Advisor: March




Real Estate Advisor: March <http://media.reliancenetwork.com/media/global/newsletters/monthly/2008/March/March_header.jpg>
Real Estate Advisor: March


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Refinancing Your Mortgage

<http://media.reliancenetwork.com/media/global/newsletters/monthly/2008/March/change.jpg>
Radio airwaves, magazines and newspapers are filled with advertisements from lenders encouraging homeowners to refinance their home mortgages. These messages extol the virtues of switching from Adjustable Rate packages to fixed mortgages of locking in lower interest rates. The question is: would refinancing your mortgage really be the right move for you?
Rise of the Refi
Interest rates have fallen dramatically since the first of the year, and as a result mortgage refinancing has been gaining steam across the country. Applications to refinance existing mortgages have been on the rise in recent weeks. Many of these homeowners are just as attracted to the possibility of getting out of riskier Adjustable Rate Mortgages as they are to lower rates.
Whether or not you should refinance your mortgage depends largely on your personal circumstance. Most important are the interest rate and terms of your current mortgage as well as your outlook (how long you intend to own your home).
The conventional wisdom has always been that you shouldn't refinance until the interest rate has dropped a full point (or more) below what you're currently paying. The basic theory behind this advice is sound enough: given the typical costs associated with refinancing, chasing lower interest rates is only financially sound once the rates drop below a certain threshold. But the old rules fail to take into account some of today's situations, such as owners wanting to switch from an ARM to a fixed rate mortgage or those eyeing a "no-cost" refi.
Things to consider
<http://media.reliancenetwork.com/media/global/newsletters/monthly/2008/March/buyer.jpg> As with most money matters, there is no "one-size-fits-all" answer to the refinancing question. If you're considering refinancing, consider these elements:
Rate - Interest rates have been dropping throughout 2008, and a large number of homeowners are seeking to take advantage by locking into lower rates. Some believe that it is better to wait and see if rates will continue to drop, owing that the general trend has been downward. On the other hand, the current rates are a known commodity that you may wish to take advantage of.
Risk - Historically the main motivation for refinancing a mortgage has been to secure a loan with a lower interest rate. But many homeowners are now seeking to refinance mainly for the kind of security that ARM products typically can't offer. If you have concerns over future fluctuations or spikes in interest rates, you may wish to lock in a fixed 15 or 30 year fixed rate mortgage, particularly if there is no annual or lifetime cap on the amount that your current loan can increase.
Term - In addition to the rate and structure of your loan, take into account the term of your current loan and any potential refinance. For example, if you've already paid off eight or nine years of your current mortgage, you might find opportunity in a fixed 15-year or 20-year loan as opposed to the more common 30-year product. In general, extending the total term of your loan will negate the benefits of lower interest rates, so try to keep the bigger picture in mind.
Closing Costs - As with primary mortgages, refinancing a mortgage entails up-front expenses. Many lenders are offering refinancing packages with modest out-of-pocket expenses. Even if lower than average, these costs may be substantial and additional fees may be added to your loan balance.  Some lenders are even offering "no-cost" refinancing in order to attract homeowners. Remember that in such cases you'll likely not get the lowest interest rate available in the market. Be sure to carefully weigh the benefits of any "no-cost" package against those of traditional refinances available to you.
The Break-Even Point
<http://media.reliancenetwork.com/media/global/newsletters/monthly/2008/March/couple.jpg> Unless you've secured no-cost refinancing, you'll need to weigh the cost of the new loan against the amount you'll save over the term of the loan. One simple way to determine if refinancing is in your best interest is to determine the amount of time (with your monthly savings) it would take to recoup any fees or closing costs.
To start you'll need to determine your (potential) monthly savings. Review your payment coupon to verify the amount of your current monthly interest and principal. After establishing the rates and loan packages that you qualify for, ask your loan officer or mortgage broker for an estimated monthly payment. Many online mortgage calculators can also help you determine monthly costs if given the principal loan conditions.
You can now use that monthly savings to determine the point at which you'll begin to see a real return. For example, say refinancing will entail $2000 in costs but will save you $50 every month in payments. If you divide the mortgage fees by the monthly savings you find that the "break-even" point is 40 months from now. After that point the monthly savings would no longer be mitigated by the up-front costs.
Again, your personal situation determines whether or not the prospect of refinancing is truly viable. If you plan to own your home for many years or the cost of refinancing is very low, then you're more likely to realize the benefit of securing a new mortgage.



* Back To Top


Thank You,
Bruce Weaver
RE/MAX Southern Homes
Ph:205-965-6761

www.bweaver.com

Contact Me

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My Real Estate License is with RE/MAX Classic Realty Office:205-408-1306 Direct: 205-352-4229 Cell to Cell: **Weaver