****ATTENTION**** NEW PHONE NUMBER DUE TO STOLEN PHONE

Hey There!!!

I was at Starbucks last night over in Daphne, Alabama and some “Blessed Child of God” (I use the term loosely) decided they needed my phone more than I did. So, I had to have it deactivated. I do have another one on the way, so I should be back in business ASAP.

As many of you know, I have been continuing to use my 205 Birmingham number, even since moving back to my Beloved Sweet Home Mobile, Alabama in April. I guess some things are hard to let go of, lol!! Maybe this was God’s way of saying now is the time to make that total swap-over!!

With circumstances as they be as of present, effective immediately, my Google Voice number will become my new cell phone number. That number is (251) 202-3948. Consequently, 3948 spells EXIT!! I Love my company!! Please make a note of the phone number change. The 205 number will stay in existence for a while, but will not be ringing to me and I will check its voice mail periodically. To ensure I do not miss your important call or text message, please direct all calls to (251) 202-3948. I have included an updated vCard for you to make updating my contact information much simpler. This can be saved in any iOS/Android/Blackberry/Windows phone by opening the attachment.

I hope this email finds you well and I look forward to serving you in the near future!!! I apologize for any inconvenience this may have caused you.

Humbly At Your Service and With Warmest Regards,

J. Steven Roantes
Real Estate Sales Consultant
Exit Realty Lyon

“Unlocking The Door To Your Real Estate Dreams”

(251) 202 – 3948    Direct
(251) 450 – 1482    Fax

www.PropertiesInMobileAL.com

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DANGER!!! DANGER!!! DO NOT CALL THE Agent on the sign – CALL A SEASONED BUYER’S AGENT INSTEAD!

DANGER!!! DANGER!!! DO NOT CALL THE Agent on the sign – CALL A SEASONED BUYER’S AGENT INSTEAD!

Alabama is one of those states that holds buyers responsible for due diligence. In a nutshell, buyers should make every effort to investigate issues of importance to them and not rely on others to do what they should have done to fully investigate a situation to their satisfaction. Seems intimidating? It can be without the use of a sworn Buyer’s Agent such as myself.

You wouldn’t — for a lot of good reasons — go into a contested divorce proceeding without an attorney, or worse, take the advice of your spouse’s attorney.Why, then, would you buy a home — an adversarial process regardless of how friendly everyone involved in the transaction seems — without someone on your side? Oh, you think home buyers have always had representation? Well, think again. As a buyer, you are not represented unless you’ve told the real estate agent who is showing you homes that you want that agent to represent you as your “buyer agent.” If you haven’t, “your agent” could be representing the seller. If the agent is representing the seller, you could be making a costly mistake, possibly not receiving the best price, lack of professional negotiation expertise, and leaving yourself wide open for later regret.

Recently, more home buyers have been asking, “Who represents whom?” As a result, many are opting to be represented by a buyer’s agent to take them through the process, from house hunting to closing. The greatest thing about this is it doesn’t cost the buyer anything and often saves them thousands. Why choose a buyer’s agency? While any agent will arrange property showings, suggest sources of financing, provide accurate information, explain the forms and agreements, and monitor the entire process, only a Full Representation and Single Sided Buyer’s agent is able to perform services for you that a Full Representation and Single Sided Seller’s Agent cannot; such as show you reasons not to buy a particular property; negotiate the best price and terms for you; include contingencies in the contract that protect you, rather than the seller as in most contracts; and keep confidential any information that could hurt your bargaining position with the seller.

For the last 5+ years, I have made it my mission to be a Buyers Agent, where I work for you and you only! I decline and avoid Dual Agency as part of my day to day operations, referring these situations out to trusted colleagues different brokerages. Yes, I am a Realtor® that will sacrifice money in order to uphold my Code of Ethics. You cannot afford to not have me on your side, working for only you in the transaction. it has become my opinion, though years of experience that it is impossible for a Realtor® to represent both sides of the transaction. Confidential information cannot be shared between the parties, but the agent is still aware of these little tidbits of information. The knowledge influences the decisions and the forthcoming advice to you or the seller.

In short, hire a Buyer’s Agent today and protect yourself.

DANGER!!! DANGER!!! DO NOT CALL THE Agent on the sign – CALL A SEASONED BUYER’S AGENT INSTEAD!

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL- 10/15/2012

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL – 10/15/2012

Your FREE ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL– 10/15/2012list has been posted.

CLICK HERE FOR YOUR PERSONALIZED REPORT OF ACTIVE REAL ESTATE FORECLOSURES

OR visit http://www.PropertiesInMobileAL.com/search

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL

These are Single Family Homes ‘Active’ on the Mobile AL MLS. These homes are ripe for the picking. DO NOT LET THEM PASS YOU BY…ACT NOW….BEFORE IT IS TOO LATE!!!

I hope you have an awesome day, packed with smiles while searching for your active Mobile AL Real Estate Dream.

Financial markets are surprisingly stable, especially credit markets. Following the Fed’s September QE3 announcement of open-ended intent to buy mortgage-backed securities, the 10-year Treasury note was left to the mercy of markets.

Since then, 10-year Treasurys have not traded above 1.75 percent or below 1.5 percent. Meanwhile, 30-fixed mortgages have broken as low as 3.25 percent. Today, the main thing holding rates above 3 percent is the profiteering of big banks, increasing their margins as the Fed tries to shrink them.

The worst of the piracy: jacking margins on refis of underwater households. I would say, “Shame,” but to no effect on bank boards and executive suites ethically unreformed through this whole process. All the new rules in the world cannot substitute for a sense of citizenship.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL

The strongest positive here is housing, but its improvement is far oversold in media commentary. Most economic punditry comes from financial markets, which had housing wrong all the way down, and can be counted upon to have it wrong on the way up. Housing industry analysts tend to perpetual optimism, correct only by accident.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL

Housing now enjoys very gradual improvement, especially in states whose foreclosure-by-trustee has speeded the process. However, the “recovery” that finance types see propelling the entire economy is still over the horizon.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL

“Mortgage equity withdrawal” is a measure of net contribution of housing to personal income, during the bubble adding as much as 10 percent per year(!). Since 2008, MEW has subtracted about 3 percent annually from personal income, and still does — no mere headwind, but hail in the face.

That leadership had a signal week on other grounds. France-based EADS and U.K.-based BAE were close to merger, $90 billion in combined aerospace and defense sales, the merger a benefit to both, enabling competition with the likes of Boeing.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL

The global balance is delicate, but the economic/political weakness in Europe, China and emergings still strongly favors the U.S., if only by removing any threat of inflation, which is the prerequisite for continuing QE3 and super-low rates here.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL– 10/15/2012

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL – 10/01/2012

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL – 10/01/2012

Your FREE ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL– 10/01/2012list has been posted.

CLICK HERE FOR YOUR PERSONALIZED REPORT OF ACTIVE REAL ESTATE FORECLOSURES

OR visit http://www.PropertiesInMobileAL.com/search

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL

These are Single Family Homes ‘Active’ on the Mobile AL MLS. These homes are ripe for the picking. DO NOT LET THEM PASS YOU BY…ACT NOW….BEFORE IT IS TOO LATE!!!

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL

I hope you have an awesome day, packed with smiles while searching for your active Mobile AL Real Estate Dream.

Bernanke will scuttle QE3 at first sign of inflation and the  Financial markets are still trying to digest the Fed’s QE3 announcement (and the prospect of intervention by other central banks around the world), as well as newly arriving economic reports.

Housing data continue to improve. One of the best indicators has been the Fannie-Freddie combined “serious delinquency” rate, loans 90+ days late or in foreclosure. From a normal level way below 1 percent (of 29,000,000 loans, $5.2 trillion) this category rose to 4.93 percent in Q1 2010. Down to 4.02 percent by Q1 2011, and in the most recent data to 3.50 percent in Q2 2012. Slow, but very good news.

Right-wing propaganda notwithstanding, the serious delinquency problem has been far worse in private-market trash than at Fannie and Freddie. Nevertheless, total-market numbers are making progress, too. In August 2011, we had 3,840,000 homes somewhere between 90+ days late and in foreclosure, plus another 500,000 or so REO post-foreclosure.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL

Today REO is about the same, but the pipeline is down by 300,000. Very slow, slower than Fannie and Freddie, but gradually draining this ocean of pain, and not so fast as to undercut stabilizing markets.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL

None of this data supports the need for and extent of QE3. Thus I stick to my guns of last week: the Fed acted from deep concern for instabilities in Europe and China.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL

The following is the “dual mandate” language from the 1977 amendment to the Federal Reserve Act:  At the time, everyone in the markets hooted at the revision. Which is it? Maximum employment OR stable prices? Can’t have both for any length of time.

The amendment was actually designed to prevent the Fed from doing anything bad to stop the inflation then plaguing the economy. Didn’t stop Volcker — he found his own fig leaf in phony “monetarism,” selling the nation on the need to control the money supply to stop inflation. He knew perfectly well that high rates and unemployment were necessary.