Your Pocono Agent

Here is a pretty good summary of when people can buy after a foreclosure or short sale.

Laiana Biela — Fri, 09 Mar 2012 14:06:38 +0000

Here is a pretty good summary of when people can buy after a foreclosure or short sale. There are some additional exceptions for FHA loans also. More than 4 million homes have been lost to foreclosure in the last six years, and many of those former home owners are now starting to ask: When can we buy again? Many banks have guidelines that prevent them from issuing loans to people with a foreclosure or short sale in their credit history in some cases for as much as seven years. That also doesn’t factor in the damage foreclosures and short sales can do to a person’s credit score, and the work former home owners’ will need to do to repair it so they’ll have a better chance at qualifying for financing again in the future. Still, some former home owners, particularly those who foreclosed or did a short sale due to extenuating circumstances like a job loss or illness, are finding the wait may not be as long as they were once told. The wait-time varies among lenders and government entities. For example, the Federal Housing Administration says former home owners with a foreclosure must wait three years before they can qualify, while Fannie Mae and Freddie Mac require a seven-year wait following a foreclosure. As for short sales, sometimes these waits can be waived or drastically cut, depending on the borrower’s situation. FHA requires a three-year wait following a short sale, but it may waive that wait if the short sale was due to a job loss. Also, for borrowers who can come up with a higher down payment on their next home purchase, they may also not have as long to wait. For example, Fannie Mae will reduce the wait from seven years to two years for borrowers who come with a down payment of 20 percent or more. Source: The Associated Press

Testimonials Are The Best!

Laiana Biela — Sat, 28 Jan 2012 13:31:18 +0000

“Laiana, I would like to thank you for all of the things that you have done. You put a lot of effort into getting me my first home. Thanks for the meal and getting the Locksmith in a timely manner. I hope you sell many more Homes”.

Thank you,

Charles G Jr.

Call now for you rental list!

Laiana Biela — Mon, 12 Dec 2011 13:55:35 +0000

We have lots of new rentals coming in for the New Year! Give me a ring to get your list today! Don’t want to sell in this economy? Why not rent that house out and stay out of the red!

Barrett Township Parade!

Laiana Biela — Wed, 26 Oct 2011 23:15:52 +0000

Be sure to stop at the Barrett Township Parade on Sunday 10/31/11! Parade starts at 2pm. Make sure you give a big shout out to us… We are doing the 3 little pigs float featuring some of our listings!

What we offer our Buyers….

Laiana Biela — Mon, 17 Oct 2011 00:31:27 +0000

Our Buyers Receive:

1. After hours service
2. Free mini inspection of potential property
so our buyer is able to bid with confidence
3. Top notch negotiation with the sellers
4. Complimentary ordering of title
5. Lender Recommendations
6. Complimentary ordering of home inspection

And above all knowing that you are not alone in this process. We will be with you every step of the way.

Open House!!!

Laiana Biela — Mon, 03 Oct 2011 14:00:40 +0000

Open house this Saturday October 8th from 10:30-3:00. Come visit me and tour this outstanding 4 bedroom 2 1/2 bath home in a community where kids still play in the streets, dad’s are trimming the lawns and moms are chatting with other moms on what is new with kids and family. 332 Escoll Drive East Stroudsburg Pa. Blue Mountain Lake. Call for directions 570-977-1603

New Listing New Listing!!!

Laiana Biela — Mon, 26 Sep 2011 19:08:22 +0000

Bring the family to this solidly constructed brick ranch! Perfect for primary or vacation home. Over 1 acre of secluded, park like landscaping, amongst fruit and evergreen trees, Whole house generator & security systems included. Plenty of room for expansion with large unfinished basement. No community dues, low taxes & no through traffic. Living amongst nature at it’s best!
Owner says move this baby! Give us a call today for more info!
MLS#11-7788
$168,000

Why we are different than your typical Realtor

Laiana Biela — Thu, 01 Sep 2011 00:41:09 +0000

When Buying or Selling a home it is important that you have the BEST representation possible for one of the biggest sales transactions that you may have in your life. Lots of times Buyers & Sellers can be overwhelmed with all that needs to be done even before the ink is dry on your contracts. Tom & I are dedicated to making your experience as easy as possible.
Sellers: Each and every seller will receive the best possible marketing around. Not only is your home featured on websites like www.youpoconoagent.com , Multiple Listing Services, Trulia, Realtor.com, amongst others but is also featured on Century 21 World Wide Web site. Century 21 is a name that people recognize throughout the world and is known as a leader in the real estate market. This will get your home noticed!
We also offer Mobile advertising, Community Events Exposure (parades & fairs) Mailers, Open houses, & Video Walking Tours! Talk to me to get more information on how your home will be advertised.
Each and every client will also receive a complimentary mini home inspection. What is this you ask? Well with Tom’s experience in the industry of building and remodeling for over 25 years and also the president of Integrity Building & Remodeling, he gives our sellers the edge they need to be prepared with the knowledge of their home by reviewing some of the items that may come up in your buyer’s home inspection. This is an essential part of the negotiation process and could cost you money in the end, so why not be prepared with your knowledge of your house before the buyers even visit your home.
Photography and computer graphics: Pictures speak volumes and without the best possible shots of your house your potential buyers may skip over your home! This is where Ron comes in to play. Ron is an expert in the field of computer graphics and will alter your homes pictures to make your house stand out. Small imperfections will be cleaned up; yards will be greener, and the overall appearance more inviting. Ron credentials include Princeton University, Michael Graves for Target, & Toll Brothers to name a few.
Buyers: Everyone has a dream and that is what we strive to fulfill because each and every buyer is special to us! Our buyers will receive extended business hours (so you never feel alone in your home buying process), complimentary mini home inspection, and the most skilled negotiations available to you. Want to know more about the home you are purchasing, just ask Tom to review some of the items in question! Not from the area and don’t know who to call for home inspections and title insurance? Let us take care of it for you. We try to make this experience the most enjoyable, educational, stress free process available to you!
If you have any questions or would like to set up a meeting please feel free to contact us. Together we are going to make the For Sale house your Sold home!!!
Warmly,
Laiana

Congrats!

Laiana Biela — Sat, 27 Aug 2011 23:43:33 +0000

Congrats goes out to Matt and Ruth for being the winning bid on a beautiful home. May your new space have many happy memories!

Another Happy Buyer!!!

Laiana Biela — Sun, 14 Aug 2011 00:09:06 +0000

Congrats goes out to Cindy, Gino, & Family for purchasing a beautiful lakefront property. May you have may happy times there!!! Want this to be you? Give us a call today and let’s make your dreams come true!