Are you are looking to buy a home this year or maybe next year, whether you do it now or later this year or next, you will get a great deal with homes prices so low and interest rates low! This has never been seen before in the real estate market . There are plenty of homes to choose from. If you see a house you like, don't wait, make an offer! History says that homes do appreciate over time. Even if they didn't, you would still need a place to call home and not to mention that you can write off the interest paid every year on your mortgage. Now that is another reason to consider buying a home now. You will be glad you did.

Buying a home can be a stressful time, but don't let that scare you, as that is why you would have me as your buyers agent. It's always a great time to buy the home that you love. Please call me if I can help you buy that dream home!

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If you are looking to buy a home this year, you've made a great choice! Interest rates are at an all time low. If you qualify now, why not buy now? Did you know that this is a rare time in our lives that home ownership in many cases, is less than rent!!! And don't forget about the nice tax deduction of all the interest paid yearly.

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Here are 7 reasons why now is the time to buy a home;

Homes have never been more affordable;
Mortgage rates are at rock bottom and won’t stay here forever;
Prices are trending back up;
Sellers are motivated;
Lenders are back in the game!!!;
Ownership costs are dropping below rental costs!!!!;
Home ownership remains at the core of the American Dream and always will!!!

Your Local Realtor; MaryAnn Dempsey, C.D.P.E.

mdempsey@kw.com

(508) 952-0172 (Cell)

(888) 284-2991 (Fax)

www.maryanndempsey.net

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Report: U.S. Investigating S&P Over Mortgages

Another investigation as to whether Standard & Poor's improperly rated dozens of mortgage securities in the years before the financial crisis. The investigation began before S&P a downgraded long-term U.S. debt from a AAA rating to AA-plus this month. In the mortgage investigation, the Justice Department is asking about instances in which S&P analysts wanted to assign lower ratings to mortgage bonds but may have been possibly overruled by S&P business managers. Why would the Justice Department spokesman decline to comment on the story? S&P is not immediately responding to calls. It is not clear as to whether the Justice Department investigation is also involving other ratings agencies, such as Moody's Corp. and Fimalac SA's Fitch, or only S&P. I guess the paper quoted someone for S&P, via email that the agency had received several requests from different government agencies over the last few years and that it was cooperating with these requests. Despite the outcry over the ratings agencies' failures in the financial crisis, investors still rely heavily on ratings from the three main agencies for their purchases of sovereign and corporate debt, as well as other complex financial products. Some companies and some countries, but not the U.S., pay the agencies to receive a rating. For decades, the government issued rules that banks, mutual funds and others could rely on a AAA stamp of approval for investing decisions - which bolstered the agencies' power. A successful case or settlement against a giant like S&P could accelerate the shift away from the possible traditional ratings system. For instance, maybe the Dodd-Frank financial reform overhaul sought to decrease the emphasis on ratings, but bank regulators have been slow to spell out how the reform would work. S&P has been under fire from lawmakers, market players and the Treasury Department since its decision to cut the U.S. credit rating. The Securities and Exchange Commission was also reviewing whether S&P followed all of its policies leading up to the credit downgrade, according to sources familiar with the review. This blog is soley my opinion from the facts I have gathered via, the news only.

MaryAnn Dempsey

Sunday, December 12, 2010

Why you should buy a home now and not wait

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