Articles written by Joshua Talayka

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About me - Joshua Talayka

There is a wholeness about Josh Talayka that is a solid reflection of all that he offers the real estate industry and his community. Using his extensive experience in sales and information technology, Josh has a unique edge in today’s fast-paced, internet

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Personal Finance > Mortgages & Home Loans FHA 203K rehabilitation loans: 1 of 8

How it Works: Typically when a home-buyer wants to purchase a home in need of repair or modernization, the buyer will normally need to obtain financing to purchase the dwelling; then additional financing for the repairs/construction; and finally a permanent mortgage when the work is complete. With the FHA 203(k) program, the...
Personal Finance > Mortgages & Home Loans How foreclosure affects tax assessment: 1 of 5

Potential Tax implications when losing your home to foreclosure or short sale When a property is sold as a short sale or lost to foreclosure, it is treated as a sale or exchange from which you may realize a gain or loss. The amount of debt that is forgiven is seen as a gain since this is an amount you will no longer ha...
Personal Finance > Mortgages & Home Loans Don't lose your home to a foreclosure recovery scam: 1 of 4

Home Retention and Foreclosure alternative Scams Scammers and con-artists tend to make a living by taking advantage of people who are vulnerable. So it’s no surprise that with the number of people facing foreclosure, that we are seeing more and more scams that promise to rescue you from foreclosure. Now thi...
Personal Finance > Mortgages & Home Loans Home mortgage default: Reduce the risks of losing your home through foreclosure with these tips: 1 of 4

Four Things You Should Know if You're in Default on your mortgage, or about to be. Everyday more and more Americans are at risk of default on their mortgage, and simply do not know what they can do. You've tried contacting your lender via the (800) numbers on your bill to explain that you are not going to be able to make you...
Home & Garden > Home & Garden (Other) Environment-saving tips for keeping your home green: 5 of 15

Go Green and Save Some Dough Although you may not think it, but 21% of the green house gas emissions produced in the united states come from everyday household energy usage. By implementing cost efficient energy saving techniques, you can help reduce these emissions while saving money at the same time. Improving your homes e...
Politics, News & Issues > Economic News From Wall Street to Asian financial centers and back again: Stock market crash of 2007: 2 of 6

The National Association of Realtors expects that existing home sales will rise to nearly 6.4 million in 2008, which is up 6.1 million from the 2007 estimate. As for new homes, sales are projected to be at 865,000 homes sold in 2007, and 878,000 sold in 2008. More than 1.4 million housing starts, which include multifamily un...
Personal Finance > Mortgages & Home Loans Testimonies: My home mortgage experience with Bank of America: 1 of 3

Bank of America: The Untruth about Short Sales On August 18, 2009, Kimberly Dawson (Bank of America Home Loans Vice President-Group Operations Manager Short Sales) participated in an audio conference hosted by Campbell Communications which also had a guest speaker from Wells Fargo, (I'll save that one for another day). Durin...
Business > Marketing Marketing tips for real estate agents: 3 of 7

Real Estate Farming - Although traditional real estate farming has been slowly fading away, I still believe in having at least a small portion of your marketing dedicated to farming (at least 10%). When farming an area, you must keep in mind what your ultimate goal is. You're not just farming an area to pick up clients...
Home & Garden > Buying & Selling Homes How to price a house: 4 of 8

Pricing your home right Although many sellers will disagree, the only factor that determines your home's selling value if what a qualified buyer is willing to pay for it. Regardless or Appraisal value, assessed value, etc., if there isn't a buyer willing to pay that amount, your home simply won't sell. If you are looking to ...
Home & Garden > Home Repair (Other) How to choose roofing material: 2 of 4

Roofing Materials, What’s the Difference? Knowing and understanding the differences in roofing material can help you determine how long a roof will last, and how expensive it is to maintain. Here are some descriptions of several types of roofing material. Wood Shakes and Shingles Although you wouldn’t think...