TAKI REAL ESTATE SERVICES Sales, Leasing, Property Management and Mediation Beverly Taki is a DEVOTED, LOYAL, HONEST Realtor® with a PASSION for Real Estate and LOVES helping people fulfill their dreams. Beverly's outgoing personality, warm smile and infectious laugh are engaging to everyone she meets. Why not let Beverly introduce you to your perfect dream home?
It´s a BUYER'S market!
Begin your search NOW for your special property!
Beverly Taki, Real Estate Broker A full Service Realtor® Leading families to their dream homes in Malibu since 1989...
#1 Leasing Expert in Los Angeles for 2008, Leasing over 70 Rental Properties!
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________________________________________ Have you paid your INCOME Taxes? Review the most frequently overlooked real estate tax savings deductions. Click here for 10 Most overlooked Real Estate Tax Breaks ___________________________________________________
Are you interested in buying FORECLOSURES and Bank Owned Properties? Do you have a financial hardship causing a deliquency in your mortgage payments? I can help you with a Short Sale/Short Payoff Situation with your lender!
Call Beverly Taki at 310-456-4843 Your Foreclosure, Short Sale/Payoff Specialist
BEVERLY TAKI sells HIGHEST PRICED PROPERTY in a Mobile Home Community! Coldwell Banker commended Beverly Taki for an outstanding sales achievement. This property was sold in the Point Dume Club of Malibu. "There was nothing mobile about this bluff-top architectural property, with sweeping ocean views." The sale of this million dollar mobile home was featured in The Malibu Times. Click here to learn more about Millon Dollar Mobile Homes, marketed by Taki as "Malibu Beachstyle Living," due to the amenities that this community has to offer. It's an affordable means to enjoying the environment & lifestyle that Malibu has to offer.
Planning on investing in real estate?As you start your real estate investment expedition, you´ll simultaneously want to make sure that your credit rating is in good condition.A poor credit rating can boost you from a reasonable interest rate into a higher one.In fact, you don´t want even want lenders looking into your credit files until you´ve given them a thorough evaluation to make sure they are completely clean!
ORDER THE REPORTS:
Order a copy of your report from one of the three credit card reporting agencies.If you find errors, you´ll want to order all three.If you are ever turned down for a loan, the credit agencies will provide you with a copy of the report or free, as long as you contact them within 60 days of the turndown.
YOU can get an instant look at a single credit report or all three at myFICO http://www.myfico.com/.The fee for all three is $38.85.
Beverly Taki has a team of service providers to assist you with your entire real estate transaction. She offers one stop shopping, For your escrow needs, try West Coast Escrow. Your purchase and or sale of real property can be protected by Equity Title. For buyers who need creative financing, First Capital has offices close by to assist you. Sellers who have a need for a 1031 Tax-Exchange, try Mid-Exchange.
SENIOR CITIZENS The New Reverse Mortgage Formula may help YOU! If you are over 62 and own your home mortgage-free, you may consider a Reverse Mortgage. Learn all about it by reading "Should A Reverse Mortgage be Considered?" and study the consequences thoroughly. Most banks do not originate reverse mortgages for senior citizens. But a major exception is Well Fargo Bank. the easiest place to find reputable reverse-mortage lenders is at the reversemortage.org website. You might also consider the FHA (HECM), Fannie Mae and Fianancial Freedom Plan reverse mortgages. Reverse Mortgages are a financial tool that provides a senior with funds from the equity in their home. Generally, no payments are made on a reverse mortgage until the borrower moves or the property is sold. The final repayment obligation is designed to not exceed the proceeds from the sale of the home. There is an Independent nonprofit organization established in 1981 to educate consumers about reversemortgages. I encourage you to investigate how this can benefit you. Please review the HUD Reverse Mortgage Loan and Lender Information - Resource information on Hud Reverse Mortgage Loans, your choices for income and cashout. This information is for Seniors or children doing research for their parents.
A "reverse" mortgage is a loan against your home that you do not have to pay back for as long as you live there. YOU can turn the value of your home inot cash without having to move or to repay the loan each month. The cash you get from a reverse mortgage can be paid to you in several ways: 1. All at once, in a single lump sum of cash; 2. As a regular monthly cash advance; 3. As a "creditline" account that lets you decide when and how much of your available cash is paid to you; or 4. As a combination of these payments.
No matter how this loan is paid out to you, you typically don't have to pay anything back until you die, sell your home, or permanently move out of yoru home. To be eligible for most reverse mortgages, you must own your home and be 62 years of age or older. AARP offers in-depth information on financial options for turning your home equity into cash, for the consumer guide, Home Made Money at 1-888-OUR-AARP and visit their Educational Website
ONLINE MORTGAGE WEBSITES Borrowers, who shop for a mortgage online should only spend time on sites that price their loan. If a site doesn't price the type of loan you want, with the features you require, move on. You are online to shop, not to be seduced into making a phone call.It´s important to utilize a mortgage website that shows some price functionality; provides varied potential transactions & shows all settlement costs. The most popular sites arewww.E-LOAN.com, followed closely by www.mortgage.com (the site of ABN AMRO), and www.indymac.com.
These are the features to look for in selecting an online mortgage site:
Mortgage Types and Features: Look for programs priced beyond 15- and 30-year fixed-rate conventional loans. This includes different types of ARMs, balloon loans and FHA/VA loans. Look for full disclosure on the features of the ARM.
Down Payment: Look for a site that allows YOU to enter the down payment.Look for sites that allow the down payment to be less than 5 percent..
Settlement Costs: Look for a site that shows all settlement costs.Look for sites where the lender fees are segregated, look to see if the lender fees are guaranteed, check if the price includes the appraisal, the credit report, and all third-party fees.
Points: Look for a site, which prices the mortgages with multiple combinations of interest rate and points, and look for no-cost loans.
Strengths in Coverage: Look for sites that price loans on second homes, loans on investment properties, and cash-out refinances. Sites which price loans on 2-, 3- and 4-unit properties, as well as on condos, co-ops, and manufactured homes.
Except for E-LOAN and Indy Mac, the sites assume your credit is excellent. E-LOAN and IndyMac adjust price for a credit score entered by the user, but the adjustments are quite crude. Shoppers with scores below 620 cannot yet shop effectively online.
Online shoppers also do best if they can fully document their income and assets.YOU may want to look for sites you have a "stated income" option, or who offer "no docs." Here is a list of online mortgage companies:
