Welcome to my Century 21 Blog, if you have a question that you want an answer for just email or call my cell.

Wed Dec 23 15:15:33 UTC 2009

Happy Holidays

Posted by: David Dubak

I just wanted to take a minute to say HAPPY HOLIDAYS to all my friends that come across my blog. My goal is to increase my post for next year, so I am hoping to talk to more people this coming year. This was a down year in Real Estate but my business is up. I hope everybody has a happy health holiday and we will talk to you next year!!

Wed Dec 16 17:58:00 UTC 2009

Tax Credit

Posted by: David Dubak

We have a lot of people asking questions about the new tax credit for home buyers. I have received a number of calls asking for more information about how the second time buyers tax credit works. So the market has a lot of activity, and I have a few more listing coming from people ready to move up. But they want to make sure we price it right to sell it quick so they can buy the next home. That is a change from what I have been hearing over the last year!

Mon Sep 07 13:51:00 UTC 2009

Foreclosure or Short Sale?

Posted by: David Dubak

I have been asked this question by so many people over the last month. People just don't understand how it effect their credit? I am also surprised at the amount of people that are in trouble? It must be a sign of the time, I am trying to help as many people as possible to make the correct decision. If you have a question please don't hesitate to ask!

Sun Jul 19 10:44:51 UTC 2009

Disposable Society?

Posted by: David Dubak

The numbers of people that I talk to every day about short sales and foreclosures are surprising. Some people want the help and others seem like they don't care? I care about my credit rating, my home, my business, but it seem like other don't care?? Do we live in a disposable society? A lot of people don't want to save anything any more. The give up on their marriage, family, work or business, homes, whats up? For those of you that do care and need help, let me know.  I will do what I can to help you get going in the right direction, or just need some friendly advise. I do a lot with first time home buyers, divorced couples, and anybody needing advice. If I don't get a sale at this time, but I can help somebody that's fine. When you do need help buying or selling a home I will be around. I will stay in touch and be there when you need me, feel free to email me or call my cell. Good Luck and have a great day!

Sat Jun 27 08:55:30 UTC 2009

Short Sale

Posted by: David Dubak

Well I finally got one to come together in only 6 weeks. With a lot of help from the client and getting an attorney involved. The attorney worked out great, he was on top of it daily making all the right calls. This is a lot better than the six months I spent last time, and then found out the person lost his job before closing. And then it never closed, Oh well! You have to stay positive and keep going. One closing this week, which is good! And three more next months, things are picking up!

Tue Jun 09 19:51:33 UTC 2009

REALTOR Day on Beacon Hill

Posted by: David Dubak

I went to Boston today to get involved with REALTOR Day on Beacon Hill! I was a little surprised on the small number of people that get involved? I guess like everything you have a certain percentage of people getting involved. But I decided to do my part and network with other REALTORS, and Legislators. So I will do my part in trying to get the word out to the other REALTORS I work with in the surrounding area. I also sent a note to Bill Bowles (Our Representative in the Attleboro area)on his facebook page. Thank You for taking the time to read my blog. Have a great day!

Sun Jun 07 19:47:36 UTC 2009

Looking for Information??

Posted by: David Dubak

I have been so busy talking to people about the market. I am amazed with as much information that is in the news still the right information is not getting to the people that need the most help! I spend a lot of time to help educate people on the options they have available. Most people are confused about foreclosure and short sale. I can see I am building a great referral business, just by the people that are being sent to me from the long term friends, clients, and past assoications I have made. I get calls everyday from somebody that said I am going to have my friend call you and see if you can help? Sometimes I wonder am I a REALTOR or am I a mentor, adviser, money manager, problem solver, etc.. But I enjoy helping people, so I know I made the right choice. I was in the Doctor office with my wife the other day and the nurse said I am glad you came in today to me. So i asked why, She tells me I have been meaning to call you to see if you can help my Son. So I gave her my card and told her to have him call me and I will listen to his situation and guide him down the best path for his situation. Second point is always wear your name badge every where, I AM PROUDTO BE A REALTOR. And it also help people open up, and I always hear the comment "How is the market". And when I respond its great, they almost fall over. I tell them homes are selling, the lower price range is selling the best at this time in my area. And if your looking for a fixer upper, we have lots of them! If you want one that you can move into, we have plenty on the market. You need to work with a REALTOR to have them help you get into the right home. And I see it's time for me to get ready for my first appointment, so I have to run! Good Luck and have fun!!

Fri May 15 21:37:22 UTC 2009

The market is moving try and keep up!

Posted by: David Dubak

Ok, May is getting away from me and I have been so busy I haven't had a chance to blog. The mortgage market is still a challenge on some deals. New criteria is stalling the closing process. But the market is going in the right direction. A total of 2 new listings so far in May, 2 more coming in next two weeks. I have 2 buyers with offers on property that we are waiting for bank approvals, but continuing to look for a non bank owned property. 2 more offers waiting for mortgage commitment, should have both approved next week. That is beside the four I have closing over the next 5 weeks. I fell pretty good for just 15 days into the month. And I am working with 2 new buyers in different stage of looking. And yes I wonder how I keep it straight, thank goodness for my datebase to keep me organized.

Sat May 02 13:17:16 UTC 2009

Lots of action in the Attleboro Real Estate Market!

Posted by: David Dubak

May is turning out to be a great month early. So far I have one under agreement and a second going under agreement on Monday. I have 2 new listings so far and it is only the 2nd of the month. I see a lot of positive signs with the people I am talking too each day! I will let you know how we do, but MAY is looking pretty strong!

Wed Apr 15 08:57:58 UTC 2009

Attleboro Market is busy!

Posted by: David Dubak

It has turned into a great market and I have never been busier. I have a few properties go under agreement this week along with getting another new listing. And the buyers I am getting re qualified and ready to buy, the first time home buyers are getting excited about the $8,000.00 tax credit! I hope everybody else is as busy as I am so we can all enjoy a come back! Attleboro Market has picked up nicely!

Sat Feb 14 16:09:51 UTC 2009

Busy Market

Posted by: David Dubak

This market has been real busy, looks like most people are taking advantage of the tax credit. Don't miss out on a hot market and low interest rates. We have many home that are a value buy at this time, visit my web site to see some. Or give me a call to set you up on receiving listing in your email? DON"T MISS ALL THE BARGINS!!!!!

Thu Aug 16 18:49:41 UTC 2007

Mortgage Meltdown FAQs

Posted by: David Dubak

I received this from Jonathan Libman at Travis Mortgage that will help answer some questions,

What is the Mortgage Market Meltdown?This refers to a culmination of factors that has led to massive tightening in credit standards among lenders. This tightening is due to an excessive number of mortgages that are both delinquent and in default. As a result of tighter credit standards and the devaluation of mortgage-backed securities, global investors are shying away from purchasing additional pools of loans, causing over 100 lenders to close and leaving many homebuyers and homeowners unable to locate financing alternatives.Why should a real estate SELLER be concerned?The pool of potential buyers will shrink as many individuals find it difficult, if not impossible, to obtain mortgage financing. Experts have speculated that the number of potential buyers will contract anywhere from 15%-30%. Sellers should also be aware that increased foreclosures can depress community values and result in a glut of local inventories, which could further drive down home prices.So how many foreclosures are there?According to www.foreclosures.com, there are currently 1,447,451 homes in pre-foreclosure; 832,281 homes are currently set to go to auction; and 1,217,885 homes have already been taken back by the lender. The number of homes in the foreclosure process as of July 2007 is double what it was as of July 2006.What types of loans have been most impacted by credit tightening?Subprime and Alt-A have suffered the greatest setback because these borrowers are at greater risk for defaulting. Subprime loans are those loans which have typically been taken by borrowers with poor credit. Alt-A type loans are for borrowers that typically have good or excellent credit but are unable or unwilling to provide documentation for income and/or assets.What is the impact on the real estate market?The National Association of Realtors estimates that home sales nationally will decline by nearly 13% in 2007. Median home prices nationally are projected to fall by 1.2% in 2007. According to the PMI Group, Inc., however, many local markets are experiencing price declines well in excess of that, up to a high of 11.44% in Miami. States that have experienced and will continue to face the greatest declines are California, Florida, Arizona and Nevada.What should sellers and buyers do now?Sellers should be realistic about home prices - the high prices of 2004 and 2005 are a distant memory. Home prices have taken a fall, and for those with houses currently available for sale, reductions may be in order to generate activity and offers. Sellers should demand that any offer from a buyer be accompanied by a pre-approval from a local mortgage professional.Buyers need to be pre-approved - and frequently - as mortgage availability can change drastically, in some cases even daily. This is particularly true for those borrowers who have poor credit or are unable to provide income and/or asset documentation. Buyers should meet with a mortgage professional today to seek a pre-approval. They should be prepared to provide income and asset information including: two years of tax returns, including all schedules, W-2s, 1099s, up to three month's worth of liquid asset statements, and their most recent pay stubs.What types of loans are NOT being impacted by this crisis?Loans that are offered and treated as conforming type loans, traditionally under $417,000 in most states, although that number may be higher in some states. In addition, government loans including those offered by FHA and VA have not been impacted to date. For these loans, it is typically a requirement that a borrower provide full income and asset documentation.

Sat Jul 07 20:43:07 UTC 2007

Attleboro Market Conditions

Posted by: David Dubak

During the fist quarter of 2007 average home price in zip code 02703 was $316,800.00 which was down 3.91%. And there was a total of 85 homes that sold in that quarter. And the average days on market was 139 days. The homes that did sell, sold for 96.7% of the list price. The statistics come from the MLS Property Information Network Inc. records for the 1st quarter 2007 compare to the same quarter 2006.

Wed Jun 20 20:19:25 UTC 2007

Mansfield Condo's

Posted by: David Dubak

Looking for a condo in Mansfield, MA? If your going to commute and need to ride the MBTA? We have a beautiful condo to fit in a number of price ranges. Come see Lincoln Place, or the Roosevelt. Visit my web site for more information!  www.DaveDubak.com.