Cole Smith Minden-Gardnerville Real Estate

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  • Debt Relief Act of 2007-Mortgage Foregiveness

    The Mortgage Forgiveness Debt Relief Act and Debt Cancellation  If you owe a debt to someone else and they cancel or forgive that debt, the canceled amount may be taxable. The Mortgage Debt Relief Act of 2007 generally allows taxpayers to exclude income from the discharge of debt on their principal residence. Debt reduced through mortgage ...
    Posted to Cole & Toni Smith (Weblog) by 683408 on March 29, 2010
  • Home Buyer Tax Credit

    The first time home buyer tax credit is expiring again s0on. As it stands today (hopefully it gets extended..) one must be in contract by April 30, 2010 and have closed escrow by June 30 2010. First time home buyers are eligible for up to $8000 and Sellers who have been in their residence full time for the past 5 years are eligible for up to ...
    Posted to Cole & Toni Smith (Weblog) by 683408 on March 26, 2010
  • Fixer Upper Loans 203(k)

    The 203(k) loan is a HUD/FHA-guranteed loan that provides funds for the purchase and renvation of a home. A 3.5% down payment is required with loan limits from $271,000 to $729,750 for 15 or 30 year mortgages. Here is an example of how it may work on a home that costs $150,000 that needs $35,000 in repairs. An FHA approved appraiser would ...
    Posted to Cole & Toni Smith (Weblog) by 683408 on March 22, 2010
  • Tax Carryback Rules

    If you incurred a loss in your business in 2008 or 2009 and that loos results in overall negative income on your form 1040 or C coorporation tax return, the 2009 tax law provides an opportunity for you to carry back your 2008 and 2009 losses for up to five years to recover taxes you paid in earlier years. It is calle a Net Operating Loss ...
    Posted to Cole & Toni Smith (Weblog) by 683408 on March 22, 2010
  • Big Rebound in Existing-Home Sales Shows First-Time Buyer Momentum

    RISMEDIA, October 26, 2009—Existing-home sales bounced back strongly in September with first-time buyers driving much of the activity, marking five gains in the past six months, according to the National Association of Realtors®. Existing-home sales–including single-family, townhomes, condominiums and co-ops–jumped 9.4% ...
    Posted to Cole & Toni Smith (Weblog) by 683408 on October 27, 2009
  • Vote on homebuyer tax credit could come soon

    updated 3:33 p.m. PT, Mon., Oct . 26, 2009 function UpdateTimeStamp(pdt) { var n = document.getElementById(''udtD''); if(pdt != '' && n && window.DateTime) { var dt = new DateTime(); pdt = dt.T2D(pdt); if(dt.GetTZ(pdt)) {n.innerHTML = ...
    Posted to Cole & Toni Smith (Weblog) by 683408 on October 27, 2009
  • 59% of Home Buyers Rely on Low Down-Payment Government Mortgages

    RISMEDIA, October 21, 2009—The new home market is cooling down and government intervention has been a key driver to new home sales, according to a recent monthly survey of home builders, just released by John Burns Real Estate Consulting.  In addition to the tax credit that expires Nov. 30, government mortgage programs have been ...
    Posted to Cole & Toni Smith (Weblog) by 683408 on October 22, 2009
  • First Time Home Buyer Tips

    Tips for the first time home buyer starting their search today: -Searching – Search While You Sleep – Since 87% of all buyers start online, you probably will too. On Realtor.com it’s easy to sign up for email alerts and create personal portfolios for homes of interest. Soon you’ll be searching while you sleep, at the ...
    Posted to Cole & Toni Smith (Weblog) by 683408 on October 9, 2009
  • New Credit Card Act

    15 Billion in Credit Card Fees Charged! …and the New “Credit Card Act”Market Issues by Jeff Mandel and Marlin Brandt Print Article RISMEDIA, October 5, 2009—In the last year, have you experienced a credit card interest rate increase, a fee you felt was unfair or a credit line reduction for no specific reason? If so, ...
    Posted to Cole & Toni Smith (Weblog) by 683408 on October 5, 2009
  • One in Five Homeowners Filed for Bankruptcy to Avoid Foreclosure in June

    RISMEDIA, August 5, 2009-One in five people who receives credit counseling before filing for bankruptcy cites avoiding foreclosure as the primary reason they are choosing bankruptcy, according to information collected by Consumer Credit Counseling Service (CCCS) of Greater Atlanta. In June, the national nonprofit financial counseling agency ...
    Posted to Cole & Toni Smith (Weblog) by 683408 on September 29, 2009
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