Awesome income producing properties
• 1,260 sq. ft., 2 bath, 2 bdrm single story "Pueblo style" - 
MLS® $530,000
Upper Colonias, Taos - Are you looking for a vacation property in Taos that will earn you income while you are away. These are Premier Properties most popular units. Both unitshave a good long standing nightly rental history. Well maintained with attention to detail. Both hot tubs are included in the purchase price. Each unit has itsown satellite and Internet connections.The units and are located in such a way that privacy is assured. Fantastic views with a great north side location makethis a must see property.
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Upper Colonias, Taos - Announcing a price reduction on 27/27A Pueblo Road, a 1,260 sq. ft., 2 bath, 2 bdrm single story "Pueblo style". Now MLS® $530,000 - .
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Taos, Taos County - The single story at 106 Valverde has been sold.
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This is the latest on home mortgage loan modifications or loan mods as I call it. This program offered by the U.S. Government is aimed at homeowners who are underwater in their mortgages. That is they owe more than their home is worth and homeowners who are unemployed. This is an agressive policy that the Obama administration is betting will stem the ever increasing foreclosure market. Many of the large lenders are signing on to this program and if you are in this catagory of home owners then get on the phone to your lender and see what they have to offer you in the terms of helping make your mortgage affordable. Read this article and go forward with getting help to modify your home mortgage. http://tinyurl.com/yc54jrn
You are the new face of the real estate market. Go out there and change your mortgage.
chaz rothenberg
• 720 sq. ft., 1 bath, 1 bdrm single story - MLS® $169,000 - HOT HOT HOT
Taos, Taos County - Beautiful Adobe Casita 1/2 mile from Taos Plaza. Take a stroll down this private drive and find a lush green space with a juicy peach tree, shady willow and seasonal stream. The charming casita becons you to stay and relax. This is a perfect residence, vacation rental, weekend getaway and no HOA fees. Resonably priced and ready to move in to. Update it if you want or take it as it is. There is no better deal on the market than this property!
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We are currently processing 5 mortgage loan modifications and 3 short sales and 3 pre-foreclosures for asset management companies. All of these projects are unique and exciting on their own. We are busy listing new properties showing homes to first time home buyers and entertaining offers for our sellers. Life is full and exciting and expanding in every direction. We love what the universe is delivering to us and we are embracing our place to be of service to all our clients. Contact us if you have the need for our variety of services.
As always be well.
chaz rothenberg
Here is the latest listing from Taos Home and Land. This is a one bedroom, one bathroom (partial handicap access), one car attached carport, kiva fireplace in the living room, kitchen with eating area, fenced backyard with a yummy peach tree, adobe construction, .6 miles to the center of town, large mature trees, seasonal stream on one property border, and 720 square feet for easy maintenance. All this for only $169,000. Yes this is the correct price. The owner/seller is consolidating their life and is offering this property at an incredible value. This is the perfect residence, vacation rental, weekend getaway all with no home owners association fees. I know this property will be under contract very soon so if you are reading this and want a fantastic deal on an in town property and you are a qualified buyer then this seller has the deal for you. Call the office anytime at 575.758.5585 and I will arrange a showing or send you digitals of the interior and exterior.
All the best and be well
chaz rothenberg
I have been blogging about short sales and loan modifications. I modified my mortgage loan to a 2.1% fixed interest rate for the duration of my mortgage. This was done with no cost to me. All I did was follow the instructions of the making home affordable program. The following are the five criteria for a mortgage loan modification:
Proof of hardship. This is called the hardship letter
Your mortgage payment is 31% or greater than your gross monthly income. The mortgage payment includes principal, interest, taxes and insurance. If you have home owners association dues include that in your mortgage calculation.
This is your principal residence and you are living in it.
The principal loan amount is less than $729,750.
The loan originated before January 1, 2009.
You must answer yes to questions 2-5 and show proof of your yes answers. You must show proof of a hardship with a letter and financial documents. Every mortgage company has their own criteria of what constitutes proof. In my expert experience financial proof is in tax returns, bank statements, profit and loss statements, cash flow statements and pay stubs.
If a loan modification is something you or someone you know is interested in go to the web site www.makinghomeaffordable.gov and fill out their application and fax it into your mortgage company. That's what I did and it worked, I saved $530 a month on my mortgage for the rest of the duration of the loan. I also offer assistance on modifying your mortgage loan. I am helping five people modify their loans right now. Anyone can do it on their own. However, by using my services you are guaranteed to get your loan modification package to the correct department with speed and accuracy. The key to a successful loan modification is submitting a complete package that goes through the modification system smoothly and without any delays. That is one thing I am very good at, assembling a complete package and getting it to the correct department.
Whatever your choice is have fun with modifying your mortgage loan and be well.
chaz rothenberg
For all of you out there reading this blog that do not know in January 2010 I successfully modified my home mortgage loan to a fixed rate of 2.1%. Since that historic event I have written a how to book on Mortgage Modification. This week I am meeting with four clients to get them started on modifying their mortgages. At the end of 2009 I put out there (the universe) for guidance on how I will do business in this new year. I have been saying that I am changing the face of real estate and now I am getting a glimpse of how that face is looking. I am consulting with six people on mortgage modifications and have another three or four people very interested in getting on board for the loan modification program. All this is happening before the book is published (it will be sold on the Internet on my web site soon). I am totally excited and filled with joy about giving to the real estate community all the valuable lessons I have learned in the past year. My knowledge on loan modifications and short sales is invaluable and I am excited to share this knowledge with the general public. I guess I could write all that I have learned in the blog and I may do that. However, right now I am motivated to share this knowledge with people who want to do the work to modify their mortgage or to short sale their house to save their credit. I am offering my expert services at an amazing reasonable fee to guide anyone through the loan mod or short sale maze. I am not soliciting business rather I am offering to be of service to the real estate public in a time of great need. If you want to get help on keeping afloat in these stressful financial times then contact me and let me share with you how to do it.
All the best and be well,
chaz rothenberg
It's been a while since my last post. My business is busting loose. I am writing a booklet on Mortgage Loan Modification. This will be ready and up on a website in early March. I will make an announcement when it is available. Next up will be a short sale booklet. Right now I am consulting with 4 people on loan modifications and involved with a short sale. The new face of real estate is consulting with buyers and sellers on how to maximize and utilize all the sources of financial assistance the government is offering. My expertise is growing exponentially everyday. This is truly exciting and fulfilling. Sleep is not something that I get a lot of. However, I look forward to every day as a new opportunity to expand my knowledge of these real estate financial tools. I also look forward to being of service to my clients to assist them in getting the most amazing experiences out of their situations. I like to say take that frown and turn it upside down. Well sometimes when the universe gives you lemons you get to squeeze them and make lemon aid. That is what we are doing here at Taos Home and Land.
The news on the buying/selling economic front is whatever the news services tell us. What is happening in the real estate trenches is creativity, thinking and acting out of the box, being able to act on an instants notice, and riding your own wave of optimism. We are the new face of real estate and we are changing how real estate is being conducted. Let us keep the energy moving and keep expanding to new heights.
All the best and be well,
Chaz Rothenberg
Today I did a Broker Price Opinion in Valdez. This is in the northern part of Taos. I was a full snow storm and the roads were very tricky to navigate. I got my photos and made it back in one piece. I have BPO's in Red River, Taos Ski Valley and Upper Colonias. These are all areas in the northern part of Taos as well. Red River is actually 40 miles to the north east of Taos. This community is not Taos like at all it is more like an amusement park theme park town. Very small and seasonal. Once I signed on with Clear Capital management the requests for BPO's came pouring in. I had 5 in one day. Some in Santa Fe and Espanola. Totally out of my expertise.
The BPO process is the first step in a foreclosure. It is the very first step and sometimes it can take up to a year for the actual foreclosure to happen. There is a lot of work involved in a BPO. Besides the photos of the subject property (address verification, street scene, subject view and street verification) all these images have to be clear and show the property. You are not allowed to get out and disturb the owners. So this can be the most delicate and tricky part of the process. The paper work after the digitals are taken is time consuming and detailed. You must be accurate on your comparisons both on the listing side and the sold side.
Once all this is compiled you still have to locate the property on a virtual map and then you are done. Except all your paper work must be approved and then you can close that case and start on the next one. I used to reject these requests but now I find them challenging and fun. While I am doing these I get a real feel for the market on sales and listings. I also get a real feel for the pre-foreclosures and where they are happening. This is a great help to my clients and I even hope I can help some of the people going into pre-foreclosure to get a short sale before they loose their house and ruin their credit.
So I was very busy today and will be equally busy tomorrow finishing my BPO from Valdez.
So much new and fun things in my life.
All the best and be well.
chaz rothenberg
I am totally excited about our latest listing. What is it? It's a warehouse/garage. Doesn't sound like your idea of real estate in Taos. Well this property, for sale at $190,000, is an amazing opportunity for the creative buyer. There is a single metal building 40X80 feet with a 400 sq ft second story. It has commercial applications as well as residential. The building sits on two acres and has an approved septic system. The perimeter of the property is ready for fencing, there are railroad ties all around the border. Electric is at the lot line and wells are in the 200 ft depth area. The concrete floor has radiant heat piping all you need is the water and boiler and the space will be heated. There are three garage doors with heavy duty electric door openers. The ceilings are 17 ft.
The possibilities are endless, divide the space into small offices, make it your own work/live industrial park, divide it into art spaces and on and on. The sellers have invested $350,000 in the building and infrastructure and are letting it go for a fraction of their investment. To build this building with land and improvements would cost well over $300,000. As the investment counselors say do the math and you will see this is a fantastic real estate deal.
If you are reading this and are interested in learning more or if you know of someone who is perfect for this opportunity then email me and I will give you the complete lowdown.
We are changing the face of real estate and you can be the new face.
Be well,
chaz rothenberg
If you are a first time home buyer or know someone who is in the real estate market looking for a home then this information is vital. The government is offering home buyers incentives to purchase a home by April 2010. The homebuyer tax credit for first time buyers is an important tool in helping buyers get into a home. This article is the most informative and inclusive information that I have read. Read it and you will be well informed on if you qualify for the real esate tax credit.
http://tinyurl.com/yd82do4
There is tons of information out there for the real estate bargain hunters. There is info on low interest rates, on how to repair your credit ratings, on which real estate markets are the best value and so on. This article that I just read is by far the most informative and optimistic article I have read in a long time. Now is the time to buy real estate and here are some of the reasons. Read on and enjoy
http://tinyurl.com/ygm4l59
If your house is on the market and not selling, that is, days on the market are over 100 days then this article on how to get the most money for your house will be helpful http://tinyurl.com/yfxxu4s