Get all of the information you need when it comes to buying or selling real estate right here!  Simply call my toll free information hotline at 1-800-609-5945 and enter the extension shown in RED to get 24 hour recorded information regarding the specified Reports or Topics listed below 24 hours a day, 7 days a week, 365 days a year.

• 45 Day Seller's Guarantee & Marketing Program-Get information regarding this popular program.  Simply stated, if I do not sell your home in 45 days or less I will pay you $500.00..........Ext. 2159
• 2009 First Time Buyer Tax Credit-Find out if you qualify and receive information regarding the $8,000.00 buyer tax credit.....Ext. 2009
• 9 Buyer Traps & How To Avoid Them-Free report that you must have if you are looking to buy a home.....Ext. 2019
• 11 Things You Must Know To Pass Your Home Inspection-Free report you must have before putting your home on the market.....Ext. 2029
• 29 Critical Questions To Ask A REALTOR^® Before You List-Free report you must have before listing your home for sale.....Ext. 2039
• 29 Essential Tips That Get Homes Sold (For Top Dollar)-A must have report if you plan to put your home on the market.....Ext. 2049
• Homebuyers-How To Save Thousands-A must read report before buying a home.....Ext. 2059
• 6 Things You Must Know Before You Buy-Another must read before buying a home.....Ext. 2069
• How To Stop Paying Rent-A must read report if you are a renter and want to experience the American Dream of Home Ownership.....Ext. 2079
• Squeezing Every Last Dollar Out Of Your Home Sale-A report that shows you what to do and what to look for when getting your home in showroom condition and ready to show.....Ext. 2089
• Homebuyers-How To Avoid Paying Too Much-Another must read report before buying a home.....Ext. 2099
• My Easy Exit Listing Agreement-Get information regarding my Easy Exit Listing Agreement.....Ext. 2109
• Buyer Profile & Home Hunter Service-Get set up and receive real time automatic email notifications showing you all homes that are currently on the market meeting your specific search criteria and notifications when new homes come on the market so you are the first to know about them.....Ext. 2119
• Distress Sales & Foreclosures-Get set up to receive up to the minute information regarding Distressed properties and foreclosures.....Ext. 2129
• First Time Buyer-If you are buying a home for the first time, you will not want to be without this informative report that will help guide you through the process.....Ext. 2139
• Home Down The Street-Find out what the home down the street sold for.  This is great information to have if you are buying or selling in a specific neighborhood.....Ext. 2149
• Best Buy Hotlist-Find out what and where the hottest buys are in the greater Temple-Belton area.....Ext. 2169

The Temple-Belton Real Estate Market Update
by John Morrison-Joan Mikeska Realty, Inc.

Rates on 30-year mortgages fell recently to the lowest level on record after the Federal Reserve launched a new effort to stimulate the struggling U.S. housing market.

Mortgage finance giant Freddie Mac said Thursday that average rates on 30-year fixed-rate mortgages dropped to 4.85% last week, from 4.98% the previous week. This was the lowest in the history of Freddie Macs survey, which dates back to 1971, and was down a full percentage point from a year ago. These are truly historic times and they present a great opportunity to anyone who is thinking of buying.

If you or someone you know is ready to take advantage of historic low prices and historically low interest rates, please call me or send me your referral. Don't let this opportunity pass you by.

Make The Right Move,
John Morrison

How Will the Stimulus Package Affect The Housing Market—and You?

This is a monumental piece of legislation that will directly affect the housing market. I want to share my insights on how I believe it will affect the market so that you can make informed buying and selling decisions.
Homebuyers: Part of the stimulus package gives first-time homebuyers who purchase in 2009 an $8,000 tax credit. "First-time homebuyer" is defined as someone who has not owned a home for the past three years. Combined with the fact that foreclosure filings during January decreased 10% from December 2008 and that some sales in December of 2008 rose 6.5%, we will see prices at the lower end of the price spectrum stabilize. All the really great deals will be snapped up in the next month or two and we should see a price increase in December of 2009 as those who wait will rush to buy before the $8,000 credit is gone.

This will also help clean up some of the problem loans, short sales and foreclosures that have been a drag on home prices.  Three to six months from now we will see this start to move up to a little higher price range and by the end of the year, prices will stabilize in large mid-priced homes. High-end homes will be the last to stabilize sometime in 2010.

If you are thinking about buying, now is the time. Don't wait and end up wishing you had taken advantage of this opportunity.

Home sellers: If you are selling in the lower price ranges, you can expect to see increased activity and, if your home is reasonably priced, you will get it sold very close to that price.

If you are not at the low end of the market, and do not have to sell, my advice is to wait twelve to eighteen months, you will get a better price. If you have to sell now, price it right and get it sold now as we could still see a drop in value in the mid and high-end price ranges over the next 3 to 6 months.

If you want to talk further about the impact of this stimulus package, give me a call or drop me an email about your situation and I will give you my recommendation. Also check back here on a regular basis for updates on what is happening in our real estate market.

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