Baydo Development Corporation -Saskatoon Home Builder # #saskatoon #home #builder, #saskatoon #real #estate, #real #estate


Why choose Baydo?


Baydo is a member of the Progressive Home Warranty Program and the Saskatoon Home Builders’ Association. Under the Progressive Warranty program, all Baydo properties have 1 year warranty for materials and workmanship, 2 year warranty for mechanical systems, 5 year warranty for envelope coverage, and 10 year warranty for structural defects. See More Details


Just using the best materials is not enough. We ensure that our homes are built to the highest industry standards through our quality control program. Our comprehensive quality control program consists of detailed inspections at every stage of the construction process, finalized by an initial possession inspection and 1 year warranty inspection with our clients. See More Details


Baydo Development Corporation was the recipient of multiple awards at the 2014 Bridges Awards, an annual event held by the Saskatoon Home Builders’ Association. Baydo is proud to announce the following achievements: 2014 Best Mixed-Use Multi-Family Development (Gateway Plaza), 2014 Customer Choice/Satisfaction Award for Multi-Family Builder. See More Details

Customer Service

At Baydo Development Corporation, we pride ourselves on providing the best customer service possible. Our clients are the most important part of our business and it’s our goal to exceed their expectations. Clients can rest assured that any concerns during the warranty period will be dealt with promptly and professionally. See More Details

Grapevine Real Estate – Grapevine TX Homes For Sale #mortgage #amortization #chart

#mortgage grapevine


Grapevine TX Real Estate

Why use Zillow?

Zillow helps you find the newest Grapevine real estate listings. By analyzing information on thousands of single family homes for sale in Grapevine, Texas and across the United States, we calculate home values (Zestimates) and the Zillow Home Value Price Index for Grapevine proper, its neighborhoods, and surrounding areas. There are currently 109 for sale listings in Dallas County TX zip codes. including condos. bank owned homes. short sales. townhomes. duplexes. land and luxury listings. If you’re looking to rent in Grapevine TX. check out our extensive list of luxury apartments and townhomes. We make it easy to find your dream home by filtering home types, price, and size. Filtering with keyword search is also possible, like “waterfront” homes in Grapevine.

Cities Near Grapevine

ZIPs Near Grapevine

Disclaimer: School attendance zone boundaries are supplied by Maponics and are subject to change. Check with the applicable school district prior to making a decision based on these boundaries.

Insurance Salvage Cars, Trucks, Motorcycles For Sale #craigslist, #autotrader, #ebay #motors, #used #cars #for #sale,




WHO ARE WE? We offer more than 15,000 repairable vehicles at deeply discounted prices since 1976. These are just a few examples from our inventory.

WHAT ARE SALVAGE CARS? They have sustained repairable damage from collision, floods or theft.

WHAT KIND OF VEHICLES ARE AVAILABLE? Cars, suvs, trucks, motorcycles, boats, rvs, atvs, jet skis, tractors, semis and industrial vehicles. Our inventory database contains more than 15,000 repairable vehicles.

WHERE ARE THESE VEHICLES LOCATED? T hese vehicles can be inspected and purchased from our inventory outlets located across the USA and select cities in Canada. Purchase vehicles in-person or buy them online with worldwide delivery to any location.

WHY BUY SALVAGE VEHICLES? It’s the cheapest way to buy vehicles.

HOW DO YOU BUY THESE CARS? Register now to purchase in-person or online using cash, credit card, PayPal or check. Fleet financing and trade-ins accepted. No licenses needed and vehicles are sold with titles.

CLICK HERE To view and inspect our entire inventory, to make offers, to purchase vehicles and to receive complete information for each vehicle, contact phone numbers, location addresses, 10 photos of each vehicle, VIN number, pricing, repair estimate, description of condition, list of options, mileage, verification if it starts and runs, delivery quotes.

Commercial Properties – Real Estate For Sale or lease from Coldwell Banker Commercial #subprime #mortgages

#coldwell banker mortgage


The CRE industry has benefited greatly in recent years from the work of tech startups that focus on supporting it. Industry professionals are more efficient, informed, and better able to recognize and act on opportunity than ever, thanks to CRE platforms and apps.

Coldwell Banker Commercial is honored to have a large team of affiliates representing the CBC name all across the nation. Whether helping their clients with their commercial real estate needs or sharing hyper local information on their specialized areas of service, these Coldwell Banker Commercial firms are making a splash on social media and bringing the best of commercial real estate news to their spheres.

College towns are a breed apart, and they can present unique investment opportunities when some key factors are aligned. In some of these markets, rental yields can be as high as 14%, so they re a smart choice for investors. The demographics in a college town help create this favorable environment for rental property. There are several major advantages to owning rental property in college towns.

Modular homes sale columbia sc, Mobile homes sales columbia, Lexington Columbia SC #modular #homes #sc


Modular Homes Mobile Homes Custom Homes in South Carolina

Congaree Home Center Modular Homes, Mobile Homes and Custom Builder

Congaree Home Center, Inc. has been committed to offering quality built modular homesand mobile manufactured homes with over 18 years experience. We are proud to offer homes from leading manufactures in the industry offering traditional ranch style, full 2 stories, and Cape Cod style homes.

We can custom build on your property taking one of the hundreds of floor plans available and making it your own. We will build anywhere in South Carolina with floor plans ranging from 1,000-4,000 square feet.

Whether you are a first time buyer or a current land owner wanting to custom design your dream home, we are here to assist you in making your dreams come true and provide you the best service.

We welcome you to come tour our manufactured and modular display of homes in West Columbia, South Carolina. We are a family owned company with three generations currently working at Congaree Home Center and our company foundation is built on Christian values and treating customers with honesty and respect.

Mobile Homes SC and Modular Homes SC $500 DOWN or USE YOUR LAND AS YOUR DOWNPAYMENT! Send us all the questions you have! We are here to help!

2009-2015 Congaree Home Center. All rights reserved. 4245 Augusta Road, Lexington, SC 29073 803-739-2335

Columbia West Columbia, Lexington, Chapin, Prosperity, Gaston, Sumter, Newberry, Batesburg-Leesville, Wagner, Aiken, Camden, Lugoff, Kershaw, Richland county, Lexington county, newberry county, Aiken county, Winnsoboro, St. Matthews, Augusta, North Augusta, Beech Island, Greenville, Pickens, Clinton, Spartenburg, Gaffney, Clemson, Abbeville, Manning, Bishopville, Whitmire, Barnwell, Allendale, Orangeburg, Orangeburg county, Charleston, Summerville, Walterboro, Folly Beach, Beaufort, Lancaster, Rock hill, Florence, Darlington, Charleston county, Horry county, Sumter county, Loris, Bishopville, Seneca, Cayce, Pine Ridge

When Can I Get a Mortgage After Short Sale? #hamp #mortgage

#can i get a home loan


When Can I Get a Mortgage After Short Sale?

If you have lost your home through a short sale and want to get another mortgage loan, you may be wondering how long you’ll have to wait. Your credit will take a hit after a short sale, although possibly not as much as it would if you had lost your home through foreclosure. Nevertheless, a short sale will likely prevent you from getting another mortgage right away. The amount of time you must wait before applying for a new mortgage loan depends on the type of lender and your financial circumstances. Read on to learn more.

(For more articles on rebuilding credit after foreclosure, visit our Improving Credit After Foreclosure and Bankruptcy topic area.)

Getting an FHA Loan After a Short Sale

The amount of time you must wait to obtain a new FHA mortgage varies, depending on your credit history and the reasons for the short sale.

No Waiting Period

You may not have to wait to apply for a FHA-insured mortgage loan following the short sale if:

you were not in default on the prior mortgage at the time of the short sale, and

you made all of your old mortgage and other installment debt payments on time for at least 12 months leading up to the short sale.

Three Year Waiting Period

If you were in default on the old mortgage loan at the time of the short sale, then you must wait at least three years before applying for another FHA loan. The three-year waiting period starts to run from:

the date of the short sale, or

if the prior mortgage was also an FHA-insured loan, from the date that FHA paid the claim on the short sale.

Exceptions to the Three Year Waiting Period

You may be able to qualify sooner than three years if you can show that extenuating circumstances caused the mortgage default. Extenuating circumstances might include:

serious illness or death in the family, usually involving a primary wage earner

divorce (in limited situations), or

You must also show that you had good credit prior to the event that caused you to default on the old mortgage. That means you should make all of your debt payments on time following the short sale.

When You Will Not Be Eligible for a New FHA Loan

Notwithstanding whether or not you defaulted on the old mortgage loan, you are not eligible for a new FHA loan if you were using the short sale simply to take advantage of cheaper housing prices. That means you cannot use the short sale as a way to get rid your old house in a declining housing market and buy a comparable house for a lower price.

Getting an Fannie Mae/Freddie Mac Loan After Short Sale

Waiting periods for a Fannie Mae or Freddie Mac mortgage loan following a short sale vary, depending on the circumstances. It depends in large part on how much money you are able to put down as a down payment. Your waiting period will be:

two years, if the maximum loan-to-value (LTV) ratio of the loan is 80%

four years, if the maximum LTV is 90%

In other words, you’ll have to make a 20% down payment to wait two years, 10% down payment to wait four years, or the minimum down payment if you wait seven years.

Exceptions to the Normal Waiting Periods

You may be able to shorten the waiting period to two years for a Fannie or Freddie loan if you can also meet the following requirements:

prove in writing that the short sale was the result of extenuating circumstances, and

the maximum loan-to-value (LTV) ratio of the new mortgage is 90%.

Also, the seven-year waiting period only applies to conventional loans that are sold to Fannie Mae or Freddie Mac. This rule does not apply to Fannie or Freddie loans that are FHA-insured.

Conventional, Private Lenders

For most other types of lenders, the waiting periods can vary. Most lenders tend to follow Fannie Mae’s guidelines for post-short sale mortgages. Other lenders may shorten the post-short sale waiting period, provided that you make a larger down payment (sometimes 25% or more) and agree to a higher interest rate. You will also need to have good credit.

Your FICO Score

Notwithstanding the waiting periods, for each type of lender, you must still establish good credit following the short sale. That means your FICO score must meet the lender’s minimal requirements to qualify for a post-short sale mortgage loan. Alternatively, while you may be able to obtain a new mortgage with a low FICO score, you may have to make a larger down payment or pay a higher interest rate.

Short sales can damage FICO scores. And the higher your credit score, the bigger the FICO drop with a short sale. You may fare slightly better if the short sale resulted in no deficiency (meaning you sold the house for more than what you owed on the mortgage loan) than if the short sale did result in a deficiency. To learn more see, FICO Provides Insight Into the Impact of Foreclosure, Bankruptcy, and Short-Sale on Your FICO Score .

To re-establish good credit and boost your FICO score, you should:

always pay your bills on time

keep your credit account balances low

monitor your credit report for errors and inaccuracies, and

maintain a small number of credit accounts.

Monitor and Correct Your Credit Report

It is essential that you review your credit report immediately if you anticipate applying for a new mortgage following a short sale. That is because short sales are frequently reported as “foreclosures” on credit reports. If your short sale is reported as a foreclosure on your credit report, you may be erroneously denied a new mortgage loan because:

your FICO score is lower than it should be (foreclosures are more damaging to FICO scores than short sales)

the lender mistakenly applied a longer post-foreclosure waiting period against you when you would have otherwise qualified, or

the lender required you to make a higher down payment than what you would have been required to make if the short sale were properly reported.

(To learn about the impact of foreclosure on your ability to get a new mortgage, see When Can I Get a Mortgage After Foreclosure? )

You should contact all three major credit reporting agencies to correct the error and be prepared to supply documentation of the short sale to your lender.

For more information on how to correct your credit report, visit Nolo’s Credit Repair section .

Short Sale Programs #payments #calculator

#bac mortgage


Short Sale Programs


If you want to sell your house but it’s worth less than the amount remaining on the mortgage, a short sale may allow you to sell your house and settle your mortgage debt.

By completing a short sale rather than allowing your house to go through foreclosure, you avoid eviction and your house won’t be sold at a public sale or auction. Plus, depending on your circumstances, you could qualify for financial assistance to help with relocation costs.

I’m considering a short sale and I haven’t received an offer yet

There are advantages to contacting us before you list your home for sale. We can determine an appropriate selling price and start pursuing approvals before you list the property or receive an offer.

Qualified property owners who participate in a Cooperative Short Sale or Home Affordable Foreclosure Alternatives (HAFA) program may be eligible to receive $2,500-$10,000 1 in financial assistance.

If you have a Federal Housing Administration (FHA) insured loan, you must have the FHA s approval before beginning a short sale that the FHA will accept. Also, with an FHA-approved short sale, you may be eligible for up to $1,000 in relocation assistance.

Cooperative Short Sale Program

By selling your house in a Cooperative Short Sale, you may get these and other benefits:

  • An alternative if you don’t qualify for HAFA
  • $2,500 1 for relocation assistance
  • Foreclosure process may be halted, subject to applicable law.

Home Affordable Foreclosure Alternatives (HAFA)

By selling your house in a HAFA Short Sale, as opposed to the traditional short sale process, you may get a number of benefits:

  • $10,000 for relocation assistance
  • Foreclosure process may be halted, subject to applicable law.
  • Deficiency waiver definition: We may waive the right to collect the difference between what you owe on the mortgage and the amount resulting from the sale of the home.

Federal Housing Administration (FHA) Short Sale

If you’re approved for and successfully complete an FHA Short Sale, you may benefit in several ways:

  • You may be eligible for relocation assistance
  • Foreclosure process may be halted, subject to applicable law.
  • Deficiency waiver definition: We may waive the right to collect the difference between what you owe on the mortgage and the amount resulting from the sale of the home.

I’ve received an offer on my house, but don’t yet have approval to pursue a short sale

If you’ve received an offer, and you aren’t already participating in one of our short sale programs, you may be eligible to participate in a Home Affordable Foreclosure Alternative (HAFA) short sale, or you may continue to follow the traditional short sale process.

Traditional Short Sale Process

By selling your house in a short sale rather than going through foreclosure:

  • You’ll avoid eviction; however, you ll still need to vacate the home
  • Your house will not be sold at a public sale or auction

1 The relocation assistance payment is calculated based on the appraised value of your property and the program rules. The total amount will be no less than $2,500, but no more than $10,000. The payment will be delivered after the closing if you comply with all terms and conditions of the program, which include but are not limited to the following: a valuation of the property must be completed and you must satisfy all subordinate liens and provide clear title for the property. If you are still responsible for a deficiency balance after the sale, you should be aware that this relocation assistance will increase that deficiency since it reduces the amount available to apply towards your mortgage debt. If you do not comply with all terms and conditions of the program, you will not receive the relocation assistance payment. The amount of any relocation assistance will be reported to the Internal Revenue Service (IRS) on the appropriate 1099 Form or Forms. We suggest that you contact the IRS or your tax preparer to determine if you have any tax liability. In order to receive the relocation assistance, the sale of the property must close by the closing date in the short sale agreement. Bank of America reserves the right to change or alter the relocation assistance at any time.

Advertising Practices

We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that.

Here’s how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that’s customized to meet specific interests you may have.

If you prefer that we do not use this information, you may opt out of online behavioral advertising. If you opt out, though, you may still receive generic advertising. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements.

Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. These ads are based on your specific account relationships with us.

To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs .

Serviced Villas – Apartments Ghana #homes #for #sale #in #ghana #accra


Holiday and Short Stay Accomodation in Accra, Ghana

Welcome to Accra Serviced Villas (formerly Akotaa Villas Ghana).

We provide fully furnished serviced villas apartments for either a short or long stay, perfect for families, corporate assignments or for relocation in Accra, Ghana.

When you rent holiday accommodation from us, we will make sure you take your Accra Ghana vacation in style. Our villas, including a selection of guest houses, are fully furnished and serviced. They are more cost effective than hotel alternatives in Accra, and offer a much calmer, personal tempo, as you avoid the crowds of busy staff and other guests.

We offer one, two, three and four bedroom villas apartments nestled in a very private complex, situated in the up-and-coming Spintex area, East Accra.

All the villas in the complex have access to a shared communal pool. The complex has a dedicated parking for each villa and 24hr security personnel/on-site staff.

Each villa/apartment comprises of an open plan lounge and diner area, modern kitchens, en-suite bedrooms and bathrooms.

The villas/apartments are beautiful, fully equipped to modern – international standards and designed by a skilled UK interior designer. Each villa is equipped with fine decor and furnishings throughout, with necessary appliances including air conditioners, extractor fans for most of the kitchens, crockery, linen and towels, multi-channel satellite TV, internet WI-FI and backup generator.

The villas are fitted with prepaid meter for electricity which will be preloaded with 20 cedis of credit to get you started for a couple of days. Thereafter, the customer will be responsible for topping up credit as necessary.The villa has internet access/WIFI through a modem subject to charge for the duration of your stay- the customer is responsible for buying data if WIFI is required. We provide gas for your cooker in the kitchen for free. Staff are available to assist with these services.

From time to time, we may also offer more furnished or unfurnished villas in other parts of Accra.

The serviced villas are all located off Spintex Road, Kotobaabi Junction near Ecobank. It is within a short walking distance of the hub of central Spintex, where you will find many shops, fast food outlets such as KFC, and high street banks, such as Fidelity, Ecobank and many more.

The location of the villas is located less than a 20 minute drive from the Kotoka International Airport. The neighbourhood is very diverse offering a mixture of residential and Ghanaian local community. This villa is an alternative to renting a 2.5 star hotel apartment. Our prices are very affordable and start from as little as 50 USD for a one bedroom villa.

*Prices are open to reasonable negotiation for longer lets of two months or more.

Monthly Prices For Each Individual Villa/Apartment

For Sale By Owner Real Estate and Property in Canada – Sell Your House #historical

#mortgage minute guy


We work for you.

Your situation is unique and you are not just a number to us. We work with over 30 lenders and banks. Banks are limited to their own financial products and bankers work for banks – not for you. Allow us to show you a whole new world of competitive and flexible mortgage solutions. But don’t just take our word for it, hear directly from our customers.

Get started and apply online. or speak to a MortgagePro at 1 (888) 765-7333.

Why you should let us do your mortgage shopping.

It’s what we do everyday, and we’re darn good at it.
Most mortgage shoppers are too busy to land themselves the best deal. Getting the best mortgage terms and rate could save you 10’s of thousands of dollars.

Expert non-biased advice
By letting us do all the legwork you are virtually guaranteed a better rate than by simply using your bank. We work for you, not the bank. We’ll explain all of your mortgage options in easy to understand language so you can make a more informed decision.

It pays to compare
All mortgages aren’t created equally. We’ll present you with competing offers from Canada’s leading mortgage lenders so you can be sure you are leaving no stone unturned.

We’re quick, easy and free
Our service is absolutely without cost, commitment or obligation. After filling out our easy pre-approval application – you can expect us to get back to you within 24 hours.

Mortgage Calculator MortgagePro Privacy Policy

1. We collect, use and disclose your personal information for a variety of reasons: (i) to identify you and verify any information you provide us (ii) to assess your creditworthiness and eligibility for products and services (iii) to recommend particular products and services that may be of interest to you (iv) to present your mortgage application to various lenders and insurers for the purposes of securing and/or renewing a mortgage and/or related service (v) to maintain our client relationship with you so we may serve you better.

2. You understand that Mortgage and Mortgage Architects maintains its own file containing your personal information.

3. Your file will be kept physically at the office of your independent mortgage planner Mortgage until a loan/mortgage is funded, after which, it is scanned and sent to a Mortgage Architects corporate or licensed office for compliance review and then electronically stored on the secure Mortgage Architects computer systems. Your file will also be subject to the privacy policy of the lender that funds your mortgage review and storage, and electronically on Mortgage Architects computer systems. Your file will also be subject to the privacy policy of the lender that funds your mortgage.

4. While at Mortage and Mortgage Architects the access to your file is restricted to personnel on a need to know basis. Our personnel is required to safeguard the confidentiality of your personal information and privacy. We have systems in place which safeguards your personal information and prevents unauthorized access.

5. Other than as provided under this privacy policy we do not share your personal information without your authorization or when permitted or required by law.

6. You will have access to your personal information upon request and you may challenge the accuracy and completeness of the information and such information will be amended as appropriate.

7. If you have any concerns about our privacy policy or require additional information, please contact our Privacy Compliance Officer at 1-888-765-7333

It all starts with a conversation that on average takes only seven minutes. Take the call that could make you thousands of dollars when you sell. Request a call.

With our pricing blueprint, you can more easily establish your asking price in a way that helps you make more money.
Send me a sample blueprint.

The cost of our services varies. We offer both full and self service options. Requesting a quote is the best way to know how much it will actually cost you. Request a FREE quote.

“Meet Zack and Tara”

Legal Disclaimers – Inc. is a private sale marketing company and each franchise is independently owned and operated (collectively “Us” or “We”). We are not real estate brokers nor agents. We represent neither the buyer nor the seller. We do not trade in real estate. We neither warranty nor make any representations as to the outcome of a property sale. REALTOR.CA , MLS . Multiple Listing Service and the associated design marks are certification marks and trade-marks owned by the Canadian Real Estate Association (“CREA”) and are used to identify certain real estate services provided by brokers and salespersons who are members of CREA. *Our PRO Approach may include services which are performed for our customers by third party service providers. Such services are not performed or provided by us. The brokerage programs described are available only through our partnership with friendly, progressive real estate brokerages that are members of the Canadian Real Estate Association. *”List Now. Pay Later.” (our Pay Nothing Upfront program) is a deferred payment program offered through a third party provider, and is only available in participating franchise areas. The program is offered on approved credit, certain conditions do apply. 2013 Inc. All Rights Reserved

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Free Consultation

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Seven minutes or less – that’s all the time it usually takes for us to explain how you can make more money and sell faster using So why not contact us today? After all, it very well could be the most rewarding seven minutes you’ll ever spend.

A representative will contact you to explain how everything works, discuss your listing options and answer any questions you may have. No high-pressure sales tactics. No obligation to buy a thing.

If you like what you hear, great! We’ll schedule a convenient time for you to meet face-to-face with one of our representatives to review your options in even greater detail.

Tell us about yourself

Kingdom Photo Booth #photo #booths #for #sale, #photo #booth #manufacturers, #purchase #a #photo #booth,photo #booth


Welcome to Kingdom Photo Booth

Kingdom Photo Booth has lead the Special Event Photo Booth Industry since our inception in 2010. It s the booth your customers WANT to rent with its gorgeous power coated body, insane speed, video messaging and social media integration. And now Kingdom is the world s only arcade-style special event photo booth that comes with it s own amazing iPad app called KingShare.

KingShare is the ultimate companion to the Photo King Booth. After guests leave the booth, their pictures wirelessly leap to your iPad where they can view, Facebook, Twitter, Flickr, Email and/or request additional copies that will automatically print on the photo booth. The Photo King is also the ultimate coin-operated booth for fixed locations, offering the options of a bill acceptor, coin acceptor and even a credit card acceptor with remote monitoring.

Watch Our Videos to learn more about Kingdom Photo Booths

The Most Popular PhotoBooth on the Planet Earth



Recent News

  • May 24, 2013 Kingdom Photo Booth announces $10,000 matching challenge for Oklahoma tornado relief through the Red Cross. view
  • May 20, 2013 Kingdom Photo Booth hosts worldwide webinar to introduce KingShare, an exclusive iPad application that syncs with all kingdom booths and enables Facebook, Twitter, Flickr, Instagram, and Tumblr in. view

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