Articles written by Joshua Talayka

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About me - Joshua Talayka

Prior to become part of the Chase Team, I spent the first two years of my career under the direct mentoring of a Broker (Brooke Crosby - Brooke Realty) who's been successfully helping people with their real estate needs since 1971. The knowledge past on to

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Personal Finance > Stock Market First-time home buyer tax credit: 1 of 18

If you have a debt canceled or forgiven, that amount may be taxable as income. The Mortgage Debt Relief Act of 2007 allows taxpayers to exclude this amount as income if the discharge of debt was on their principal residence. This included debt reduced through mortgage restructuring, short sale, or mortgage debt forgiven in co... More..
Personal Finance > Mortgages & Home Loans FHA 203K rehabilitation loans: 2 of 10
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 bo... More..
Home & Garden > Real Estate (Other) What to do if you face a foreclosure: 2 of 6
Foreclosure Prevention Options There are several options that may be available to homeowner who are in default, or about to be in default on their mortgage. The following is a brief summary of some of those options; please contact me for complete details. Repayment Plan This will distribute your unpaid payments over a ... More..
Personal Finance > Mortgages & Home Loans Pros and cons of loan modification: 2 of 5
Loan Modification Program Series 2: Countrywide (Bank of America) Homeowner Retention ProgramThe program began December 1, 2008 and has no specified end date. This program will systematically modify troubled mortgages with up to $8.4 billion in interest rate and principle reductions. To be eligible for the program, borrowers ... More..
Personal Finance > Managing Credit Understanding credit scores: 5 of 12
Your credit score will directly affect how much and at what rate you will be able to borrow from a lender. Whether you're looking to purchase a home or simply finance a car, you should always have an idea of what your score is and what factors may affect it. A great way to start understanding your credit is to obtain an actua... More..
Personal Finance > Mortgages & Home Loans Getting foreclosure help: 4 of 8
Increasing ForeclosuresLast month the amount of foreclosure fillings were up 93 percent compared to July 2006, and 9 percent from just the previous month. In Nevada, there was one filing for every 199 households, making Nevada the state with the highest foreclosure rate with the majority of these filings happened in Clark Cou... More..
Personal Finance > Real Estate How to price a house: 4 of 8
Pricing your home rightAlthough 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 se... More..
Home & Garden > Buying & Selling Homes How to find s full-service Realtor: 1 of 2

You always hear companies and agents say they are "Full Service" Realtors. Unfortunately, there are too many agencies calling themselves "Full Service" and not living up to their clients' expectations. So, what should you expect from your "Full Service" agent? In addition to your personal expectations, here are some aspects y... More..
Home & Garden > Home Repair (Other) Remodel your kitchen for under $7000: 1 of 2
Save on Your Kitchen RemodelTransform your kitchen without having to break the bank. In most homes, the kitchen is the most used room in the house and yet in many homes is also the most cramped and uncomfortable place to spend your time. Modern kitchens are much more of a focal point in the home then they use to be. Here are ... More..
Business > Marketing How to make the most of your real estate leads: 1 of 2
According to the National Association of Realtor's, 74% of an agent's potential clients are generated by a referral from a trusted source. However, very few of these referral actually become clients that will buy or sell with that agent. The reason for this is that most agents just do not properly follow their leads. For exam... More..