by James Robert Deal | Dec 4, 2017 | Real Estate Broker, Transit, Vaccines
JRDeal NewZ JAMES ROBERT DEAL Political Activist – Real Estate Attorney – Real Estate Broker 425-774-6611 December 3, 2017 Read Online at: https://www.washingtonattorneybroker.com/jrdeal-newz-12-3-2017 DR. THOMPSON OF THE CDC ADMITS TRASHING DATA IN 2004,...
by James Robert Deal | Mar 10, 2017 | Home Prices
Seattle and Eastside home prices, after brief slowdown, surge to record highs Home prices in Seattle have nearly doubled over the last five years, as the number of local homes for sale hits its lowest point on record. March 7, 2017 By Mike Rosenberg Seattle Times...
by James Robert Deal | Mar 9, 2017 | Real Estate Attorney, Real Estate Broker
Six Questions To Ask Before Buying A Home Being armed with information will allow a potential buyer to come to an appropriate decision. By Dana Dratch Before you make an offer on a house, it pays to ask a handful of questions. While the answers might scare you off or...
by James Robert Deal | Mar 8, 2017 | Estate Planning
Don’t do What Prince Did. Leave a will. By Michelle Singletary Columnist At first, when I heard Prince didn’t have a will, I was sad. After all, the iconic singer, whose full name was Prince Rogers Nelson, was ferociously protective of his music and his image. He once...
by James Robert Deal | Mar 6, 2017 | Health
James Robert Deal – Winter Gardening Report – March 6, 2017 Even with temperatures down to 20 degrees F. in December of 2016 and January of 2017, vegetables in my back yard survived and supplied a steady diet of healthy greens, including: Italian kale,...
by James Robert Deal | Mar 2, 2017 | Foreclosure
FORECLOSURES DESTROY HOMES Mortgage modification was intended to be easy to qualify for. Anyone willing to pay up to 31% of family income should be allowed to stave off foreclosure, even if the 31% paid does not cover the actual mortgage payment. But mortgage...
by James Robert Deal | Feb 26, 2017 | Seller Financing
If you sell your property on seller financing, you must comply with Dodd Frank restrictions on seller financing. These restrictions apply if the deal is a recorded wrap-around deal. Some experts say that a lease option is not a sale and that Dodd Frank does not apply....
by James Robert Deal | Sep 26, 2016 | Foreclosure, Foreclosure Defense, Modification is the Practice of Law, Mortgage Modification
Chain of Title How Three Ordinary Americans Uncovered Wall Street’s Great Foreclosure Fraud Purchase hardcover — $27.95 Available: April 2016 Hardcover 6 1/8 x 9 1/4 , 400 pages ISBN: 978-1-62097-158-1 Also available as an e-book David Dayen David Dayen is a...
by James Robert Deal | Jul 22, 2016 | Consumer Protection, Mortgage Modification
You Need A Lawyer When Doing A Modification Most of my modification clients tried to apply on their own and got turned down. Modification involves underwriting, and underwriters are very particular. Modification is a big deal. If you don’t get that modification,...
by James Robert Deal | Feb 27, 2016 | For Sale By Owner
The round-about in the photo above is found in downtown Edmonds, Washington, just down the hill from where we live. Sometimes we get lucky in love. We find the one we want to live the rest of our lives with. Sometimes we get lucky in real estate. We find the buyer or...
by James Robert Deal | Jan 23, 2016 | Consumer Protection
CFPB May Finally Grant Customers Right to Sue Banks Susanne Posel (OC) : The Consumer Financial Protection Bureau (CFPB) is considering banning banks and other financial institutions from forcing arbitration instead of allowing customers to sue in order to deflect...
by James Robert Deal | Jan 18, 2016 | Lease Option, Mortgage Modification, Real Estate Attorney, Real Estate Broker, Uncategorized
JAMES ROBERT DEAL REAL ESTATE ATTORNEY SERVING BOTHELL Hello, I am a real estate attorney serving Bothell, Washington. Contact me at 425-771-1110 or 888-999-2022. I graduated from the University of Washington Law School in 1978. I have written hundreds of purchase and...
by James Robert Deal | Jan 9, 2016 | Real Estate Attorney, Real Estate Broker
REAL ESTATE ATTORNEY AND REAL ESTATE AGENT My motto is “a good deal more for a good deal less”. I am a real estate broker and also a real estate attorney. That can be a real advantage to you. If you hire me as your listing broker or your buyer broker, I will also...
by James Robert Deal | Oct 24, 2015 | Lease Option, Seller Financing
Buyers With a Good Down Payment and Good Income, But Poor Credit Dear Buyer with a good down payment and and good income but poor credit, When you talk with most real estate agents, the first thing they will ask is whether you are pre-approved for a loan and for how...
by James Robert Deal | Oct 21, 2015 | Consumer Protection, Vaccines
Alan Philiips – Let Freedom Ring Across this land, both near and far Through out the human race, within each beating heart There is a dream whose time has come To claim our birthrights each and every one Evil hands have intervened Controlling from the...
by James Robert Deal | Oct 6, 2015 | Mortgage Modification, short sale
There are too few listed homes for sale. Prices are up, so why aren’t people selling? It is because prices are not up enough to bring many properties above the “under water” value. There is no equity there, so refinancing is not possible –...
by James Robert Deal | Sep 23, 2015 | For Sale By Owner, Mortgage Modification, Seller Financing
James Robert Deal – Attorney and Broker Open Phone Line to Brokers, Buyers, Sellers 425-774-6611 – 888-999-2022 Helping Brokers – With Seller Financing, Complex Deals Listing Agent – helping sellers sell Selling Agent – helping buyers buy...
by James Robert Deal | Jun 12, 2015 | Vaccines
African-American community rages against manditory vaccination in California and the Tuskegee-like crimes of mandatory vaccines that destroy black babies’ lives...
by James Robert Deal | Feb 11, 2015 | Mortgage Modification, Principal Reduction
If you got a HAMP or Making Home Affordable modification, you will be receiving an additional $5,000 principal reduction. Republicans in Congress want to put an end to HAMP and Making Home Affordable modifications. Read what Martin Andelman has to say about these...
by James Robert Deal | Feb 11, 2015 | For Sale By Owner, Foreclosure Defense, Seller Financing
We have an open telephone line to brokers, buyers, sellers, and clients in general who may need help with buying or selling real estate or who may need help with mortgage modification. Services we offer: Help to Brokers, Co-Brokering Escrow Setup Lease Option Deals...
by James Robert Deal | Feb 4, 2015 | Transit
Door-To-Door Transit: The Only Solution To Our Traffic Nightmare by James Robert Deal, Attorney Traffic is bad and getting worse, and there is no solution in sight, as one would conclude from reading Eli Sanders’ “Welcome to Town, Here’s Why You’re Stuck in Traffic”...
by James Robert Deal | May 24, 2014 | Selected
Most Seniors Should Consider the Reverse Mortgage From Martin Andleman What’s WRONG with Richard Cordray of the CFPB? Tell Me How Can This Happen?Posted: 23 May 2014 04:15 PM PDTSo, why does Cordray make it sound like he’s describing a problem with reverse mortgages...
by James Robert Deal | May 11, 2014 | Mortgage Modification
Thanks to Martin Andleman and Mandleman Matters Why Does Ocwen Want to Modify Loans? Answer: Because they profit by doing so. In case you haven’t noticed, over the last month or so there’s been an ongoing debate of sorts happening on Mandelman Matters as to...
by James Robert Deal | Mar 23, 2014 | Foreclosure
CFPB: Zombie foreclosures hurt borrowers The Consumer Financial Protection Bureau is keeping an eye on “zombie” foreclosures, which it worries cause “direct borrower harm,” according to a CFPB executive. Zombie foreclosures occur when a bank starts the foreclosure...
by James Robert Deal | Mar 23, 2014 | Selected
How to avoid getting sucked into a force-placed insurance fight CFPB enforces 5 standards. Know them. March 18, 2014 Thanks to HousingWire.com Jacob Gaffney Force-placed insurance is a controversial subject. It pulls big players such as Bank of America into big...
by James Robert Deal | Mar 23, 2014 | Foreclosure
New Federal Rules on Foreclosure —By Erika Eichelberger – Thanks to Mother Jones On Thursday, the Consumer Financial Protection Bureau, the federal consumer watchdog set up by the Dodd-Frank financial reform bill, announced a new set of foreclosure-prevention...
by James Robert Deal | Feb 13, 2014 | Foreclosure Defense
Judges Dismiss MERS Suits By Evan Nemeroff Two borrower-initiated lawsuits alleging that the Mortgage Electronic Registration Systems role in the plaintiffs’ deeds of trust caused them injury were both dismissed by federal judges in the Western District of...
by James Robert Deal | Feb 12, 2014 | Eminent Domain
There are homes by the thousand in which the home mortgage is in default and in many cases the homes are abandoned. These are homes where the mortgages are held in pooled servicing agreements, which do not allow foreclosure until certain conditions have been met, such...
by James Robert Deal | Jan 9, 2014 | Bankruptcy
No Minimum Time Length For The Ninth Circuit by Bankruptcy Law Network (BLN) Written by Michael G. Doan Thanks to http://www.bankruptcylawnetwork.com/chapter-13-no-time-length-for-the-ninth-circuit-part-1-of-2/ Chapter 13: No Minimum Time Length For The Ninth...
by James Robert Deal | Dec 10, 2013 | Mortgage Modification
It is harder to get a mortgage modification on a rental property than it is on an owner occupied property. The rules are not as clear. You need a higher income to qualify for a rental modification because you have to be able to cover your home mortgage. Nevertheless,...
by James Robert Deal | Nov 11, 2013 | Mortgage Modification
This is a rental property modification. Ocwen was the servicer, and the investor was Washington Mutual and now Chase. The owner quit paying for 20 months, and the balance rose to $254,000. The interest rate was already under 3.0%, because this was an adjustable rate...
by James Robert Deal | Nov 10, 2013 | Mortgage Modification, Principal Reduction
JS is a hard working taxi driver. He came to us after a financial hardship, including a divorce. Ocwen is his servicer, however, the important fact is that Wells Fargo is the investor, the owner of his mortgage. Wells Fargo gives principal reductions because it was...
by James Robert Deal | Oct 3, 2013 | Bankruptcy
What is a Bankruptcy Preference? by KENT ANDERSON on AUGUST 16, 2010 A bankruptcy preference is a transfer made shortly before the case is filed that the trustee can take back from one creditor and share with all the other creditors. The transfer must be of money or...
by James Robert Deal | Oct 1, 2013 | Mortgage Modification
We just negotiated this excellent modification with Bank of America. The interest rate was reduced to 2.0%. The principal balance was reduced by $131,000.
by James Robert Deal | Oct 1, 2013 | Eminent Domain
Carpe Domum! The Little City that Could: Richmond, California THANKS TO MARTIN ANDELMAN Come with me to the City of Richmond in Northern California. It’s a city that sits 16 miles northeast of San Francisco, directly across San Francisco Bay. It’s about a 30-minute...
by James Robert Deal | Sep 27, 2013 | Bankruptcy
How Long Before I Can File Bankruptcy Again? There is no limit on the number of bankruptcy cases that one may file, nor on the time which must pass between filings. The only catch is that if insufficient time has past between filings, you will not receive a discharge....
by James Robert Deal | Jul 30, 2013 | Mortgage Modification
A City Invokes Seizure Laws to Save Homes Peter DaSilva for The New York Times Thanks to New York Times. Robert and Patricia Castillo paid $420,000 for a three-bedroom, one-bathroom home in Richmond, Calif., in 2005. It is now worth $125,000. By SHAILA DEWAN...
by James Robert Deal | Jul 16, 2013 | Fannie Mae, Mortgage Modification
FHFA expands suite of loan mod tools By Kerri Ann Panchuk • March 27, 2013 • 9:00am Servicers dealing with loans guaranteed or owned by Fannie Mae and Freddie Mac will soon be required to offer eligible distressed borrowers ways to lower their monthly payments if the...
by James Robert Deal | Jun 16, 2013 | Mortgage Modification
We have found that Lenders often take advantage of those who apply for modification on their own. Lenders tell them they have not received certain documents and say their documents have “expired”. Often lenders decline modification and do not make the...
by James Robert Deal | Jun 11, 2013 | Uncategorized
Mortgage investors raise alarm as eminent domain spreads By Christina Mlynski Thanks to HousingWire.com. • June 10, 2013 • 1:07pm A number of securitization trade groups sounded the alarm when Mortgage Resolution Partners entered into contracts with two additional...
by James Robert Deal | May 11, 2013 | HAMP 2
If you have obtained a HAMP modification and you have redefaulted, you may be eligible for a new modification under HAMP Tier 2. HAMP 2 allows a second HAMP modification if there is a new hardship. The Making Home Affordable Program was introduced in February, 2009....
by James Robert Deal | May 8, 2013 | Mortgage Modification
HMH came to me following a financial hardship. He faced high payments on his Bank of America serviced loan, with a rate of 5.625. The investor is Fannie Mae. HMH is self-employed as a taxi driver. He also owns a rental house in Brooklyn, which breaks even or makes a...
by James Robert Deal | Apr 27, 2013 | Modification is the Practice of Law
YOU GET WHAT YOU PAY FOR Virtually all of my modification clients tried it on their own and were turned down. Servicers will turn a borrower down and not tell them why. There are many tricks and techniques which we have learned with are not commonly known. It is to...
by James Robert Deal | Feb 26, 2013 | Principal Reduction
The reason foreclosures will continue By Paul McMorrow Thanks to the Boston Globe February 19, 2013 A year ago, 49 states and the federal government brought five of the country’s biggest banks to heel. They crafted a nationwide foreclosure settlement that ended a...
by James Robert Deal | Jan 10, 2013 | Foreclosure, Mortgage Modification
The latest foreclosure horror: the zombie title By Michelle Conlin Thanks to Reuters. COLUMBUS, Ohio | Thu Jan 10, 2013 1:58pm EST (Reuters) – Joseph Keller doesn’t expect he’ll live to see the end of 2013. He blames the house at 190 Avondale...
by James Robert Deal | Jan 6, 2013 | Mortgage Modification
I have only modified one Vericrest loan, and that one was non-owner occupied and way underwater and with a sky high minimum variable rate. And so Vericrest agreed to a reasonable modification. Vericrest has changed its name to Calibur, perhaps to escape its bad...
by James Robert Deal | Nov 25, 2012 | Lenders, Mortgage Modification
A residential property where the first loan was more than around $729,000 at the time of the default is not eligible for modification under the Making Home Affordable program. However, home owners with jumbo-size loans should not despair – especially if their...
by James Robert Deal | Feb 15, 2012 | Mortgage Modification
Chapter 13 Bankruptcy Time Bomb: Mortgage Modification by Eugene S. Melchionne, Connecticut Bankruptcy Lawyer One of the major benefits of Chapter 13 Bankruptcy is the ability to avoid second mortgages that are not secured by any value in your home. By following...
by James Robert Deal | Jun 24, 2010 | Bankruptcy, Foreclosure, Mortgage Modification, Principal Reduction
Read the Hamp Handbook here. It will answer a lot of questions. Lenders may but are not required to reduce principal balances in a modification down to 115% of the principal balance owing. Lenders may not foreclose on a borrower who is in the process of modification...
by James Robert Deal | Jun 15, 2009 | Mortgage Modification
These are general instruction as to what you can do to make your modification a success. Please report to me by e-mail and/or fax any communications you have received from your lenders. When you talk with your lenders, ask for names, phone numbers, fax numbers, e-mail...
by James Robert Deal | Jan 14, 2022 | Reverse FAQ, Reverse Mortgage, Reverse Mortgage Attorney, Reverse Mortgage FAQ, Second Mortgages
AN INTRODUCTIONTO THE FHA REVERSE MORTGAGE Today I will give you a broad overview of the FHA reverse mortgage. I will go into more detail under each subject on our website. Read more about my background as a real estate lawyer, and real estate broker, and reverse...
by James Robert Deal | Nov 17, 2021 | Reverse FAQ
Factor in these fees if you’re considering a reverse mortgage – MarketWatch Microsoft PowerPoint – OHC_HECMCounselortraining92513 (hud.gov) Reverse Mortgage Net Principal Limit (investopedia.com) https://www.law.cornell.edu/cfr/text/24/part-206 Tax...
by James Robert Deal | Nov 17, 2021 | Reverse FAQ
It does now. The 2019 and 2021 updates make it clear that the survivor on a gay marriage or domestic partnership my inherit the benefits of a FHA reverse mortgage. Because gay marriage was not validated by the Supreme Court until 2015, the survivor of a gay...
by James Robert Deal | Nov 17, 2021 | Reverse FAQ
There is no minimum credit score requirement for an FHA HECM reverse mortgage. But borrowers must demonstrate that they pay their housing related bills such as taxes, insurance, and HOA dues when they come due. They must show that they have enough income to cover...
by James Robert Deal | Nov 15, 2021 | Real Estate Broker
For Sale for...
by James Robert Deal | Nov 15, 2021 | Reverse FAQ
A HECM reverse mortgage has closing costs that are comparable to standard FHA loans. The only cost that is higher with a HECM is that FHA mortgage insurance is higher. For a home with a $400,000 HECM line of credit, the FHA mortgage insurance might be around $16,000...
by James Robert Deal | Nov 15, 2021 | Reverse FAQ
A single borrower cannot qualify for an FHA HECM reverse mortgage if he is not at least 62 years old. A married couple cannot qualify for an FHA HECM reverse mortgage if neither borrower is at least 62 years old. At least one of the borrowers must be at least 62 years...
by James Robert Deal | Nov 15, 2021 | Reverse FAQ, Reverse Mortgage Attorney
Do not get a reverse mortgage if you are planning to move. Reverse mortgages are only for primary residences. Do not get a reverse mortgage if you cannot even afford to pay your real estate taxes, insurance, and HOA. Do not get a reverse mortgage if you are wealthy...
by James Robert Deal | Nov 15, 2021 | Real Estate Broker, Reverse FAQ
Yes, there are non-are non-FHA reverse mortgages. There are private jumbo reverse mortgages that go up to $4 million, meaning that jumbo borrowers can borrow up to around 50% of the value of the home, around $2 million. And there are private reverse mortgages that...
by James Robert Deal | Nov 10, 2021 | Reverse FAQ
There are areas where real estate does not accumulate in value. Read. And if the borrowers live to be ancient, the interest accumulated might increase the debt to the point where the property is underwater. The FHA HECM is a multi-facited financial product. One of its...
by James Robert Deal | Nov 10, 2021 | Reverse FAQ, Reverse Mortgage, Reverse Mortgage Attorney, Reverse Mortgage FAQ
One of the complaints made against FHA HECM reverse mortgages is that when the last of the parents on the loan dies, the heirs will have to pay off the FHA HECM reverse mortgage within one year. They can sell the home or refinance it if they want to keep it. The...
by James Robert Deal | Nov 9, 2021 | Real Estate Broker, Reverse FAQ
Sometimes the complaint is that the home has not appreciated in value or has gone down in value. Maybe the borrower has lived so long and drawn so much money that there is no equity left. Maybe it is under water. Maybe the home is located in a depressed area. Even if...
by James Robert Deal | Nov 8, 2021 | Reverse FAQ
Most reverse mortgage critics do not know about the changes made in 2014, 2019, and 2021. Recall that these changes allow a non-borrowing spouse under age 62 to enjoy the benefits of the HECM as long as she lives and lives in the property. Most criticisms come from...
by James Robert Deal | Nov 8, 2021 | Reverse FAQ
Can I get a HECM reverse mortgage if my personal residence needs repairs? Yes. Just like the standard FHA 203 rehab loan, FHA offers a reverse rehab loan. Get an estimate and enter into a fixed fee contract with a general contractor. If the repairs needed are no more...
by James Robert Deal | Nov 7, 2021 | Reverse FAQ
The HECM is a Home Equity Conversion Mortgage. One of its many features is that it is a HELOC that you can draw against. Mortgage payments are optional. The interest can accumulate while the value of the property in most places will increase faster than the interest...
by James Robert Deal | Nov 7, 2021 | Reverse FAQ
Have reverse mortgages been improved? YES Before 2014, if one spouse was under 62, the only way for the primary borrower, age 62 and over, to obtain a reverse mortgage was for the younger spouse to quitclaim off title and have the older spouse obtain the reverse...
by James Robert Deal | Oct 19, 2021 | Reverse FAQ
If one of the borrowers is 62 years or older, and if the buyer has approximately half of the purchase price in cash – plus closing costs -, the borrower/buyer can use an FHA Reverse mortgage to buy a home. The borrower/buyer will pay approximately half down in cash...
by James Robert Deal | Oct 7, 2021 | Reverse FAQ
I am James Robert Deal, reverse mortgage lawyer. I am registered with the NMLA, the National Mortgage Licensing System. My NMLS number is 64871. I am also a commercial real estate broker. And I am also a real estate lawyer. Martin Andelman in the videos posted here is...
by James Robert Deal | May 29, 2021 | Retirement, Reverse Mortgage, Reverse Mortgage Attorney
JAMES ROBERT DEAL ATTORNEY PLLCPO Box 2276, Lynnwood, Washington 98037Telephone 425-774-6611, Fax 425-776-8081James@JamesDeal.com www.WashingtonAttorneyBroker.com/reverse-mortgag-FAQ VIDEO BY PARTNER MARTIN ANDELMAN ON REVERSE MORTGAGES REVERSE...
by James Robert Deal | Jan 29, 2021 | Home For Sale
HOME WITH VERANDA OVERLOOKINGQUIET NEIGHBORHOODWITH FAMILIES WALKING THE DOG 20107 96th Avenue NE Bothell WA 98011 Listing Number 1722251 www.WashingtonAttorneyBroker.com/Broker Call Attorney-Broker James Robert Deal at 425-774-6622 for a showing. Call...
by James Robert Deal | Jan 15, 2021 | Home For Sale
Home with Gazebo on Back Deck 11232 3rd Ave SE Everett WA 98208 Listing Number 1715196 www.WashingtonAttorneyBroker.com/Gazebo Call James Robert Deal at 425-774-6622 for a showing. Email James at James@JamesDeal.com Call Matthew Parker at 206-327-1579...
by James Robert Deal | Jan 13, 2021 | Politics, Real Estate Broker, Vaccines
The James Robert Deal NewZ January 18, 2021 www.JamesRobertDeal.org/JR-Deal-NewZ-1-18-2021 SMART METERS TESTIMONY TO SNOHOMISH PUD REGARDING SMART METERS. Two of Three commissioners vote for smart meters. 8-4-20, starts at 33 minutes, Donna Lahti at 34,...
by James Robert Deal | Sep 13, 2020 | Attorney Broker, For Sale By Owner, Investing, Lease Option, Listing Broker, Real Estate Attorney, Real Estate Broker, Vaccines
The JR Deal NewZ for September 14, 2020 WashingtonAttorneyBroker.com/JR-Deal-NewZ-9-14-2020 FREE ACCESS TO MOVIE ABOUT THE ANTHRAX VACCINE AND FORCED VACCINATION IN THE MILITARY. Available until Monday, September 14, 2020, at 5 PM Pacific Time. Link to Episode...
by James Robert Deal | Sep 4, 2020 | Real Estate Broker
Smart Meter Scam Click on this link: https://tinyurl.com/Smart-Meter-Docs 5g-like-a-microwave-oven-Freshman A STUCK extreme heat Hypersensitivity Out Of OrderOut Of Order – Florie Freshman Hiding From The Self Driving CarHiding From The Self Driving Car...
by James Robert Deal | Aug 27, 2020 | For Sale By Owner, Partnership, Seller Financing
BUYING IN PARTNERSIP:HOW THIS WILL ENABLE MORE PEOPLE TO BECOME HOME OWNERSAND HOW TO PUT REAL ESTATE INTO TRUST TO PROTECT IT TO EDUCATE YOUR GRANDCHILDREN AND CARRY OUT YOUR CALLING My focus here is on how buying real estate in partnership with others will enable...
by James Robert Deal | Jul 19, 2020 | Real Estate Broker
The JR Deal NewZ for July 19, 2020 James Robert Deal – Attorney Broker JR-Deal-NewZ-7-19-2020 FREE ACCESS THIS WEEKEND TO VACCINE SEMINAR. Available until 9 PM Pacific Time, Monday July 19, 2020. https://series.vaccinesrevealed.com/. REAL ESTATE INVESTMENT IN...
by James Robert Deal | Jun 28, 2020 | Attorney Broker, Real Estate Broker
FLAT FEE PAYABLE AT CLOSING (Regarding the drawing: See www.JamesRobertDeal.org/Smart-Meters.) I am a transactional real estate attorney. I do not do law suits. I set up deals for closing. I follow and assist from beginning to final closing. I co-broker with other...
by James Robert Deal | May 14, 2020 | Investing, Recession
Post-Pandemic Investment Outlook: Top-Performing Property Types for 2020 and Beyond Paul Moore Expertise: Personal Development, Commercial Real Estate, Real Estate News & Commentary, Landlording & Rental Properties 80 Articles Written...
by James Robert Deal | Apr 10, 2020 | Real Estate Broker, Seller Financing
Seller-Financing Restrictions Under The Dodd-Frank Act Hire the Barnes Walker Law Firm https://barneswalker.com/seller-financing-restrictions-under-the-dodd-frank-act/ https://barneswalker.com/wp-content/uploads/2015/04/Stephanie-Edited-Financing-Restrictions-2014.pdf...
by James Robert Deal | Apr 2, 2020 | Apartment Building, Building for Sale, Commercial Mortgage Broker, Commerical Mortgages
JAMES ROBERT DEAL ATTORNEY PLLC PO Box 2276, Lynnwood, Washington 98036 Telephone 425-771-1110, Fax 425-776-8081 James@JamesDeal.com EARN 9 PERCENT INTEREST ON 100K HIGHLY SECURED LOAN Dear Potential Lender, My wife and I have owned the rental home at 4926...
by James Robert Deal | Feb 20, 2020 | Real Estate Broker
Small Cell Towers Outside Your Window – Harmful – Reduce Property Values Sincerely, James Robert Deal Real Estate Attorney & Real Estate Managing Broker James PO Box 2276 Lynnwood WA 98036 Law Office Line: 425-771-1110 Broker Line: 425-774-6611 Cell...
by James Robert Deal | Feb 14, 2020 | Real Estate Broker
Electricity can’t be stored, so when I turn on a light, the power station must immediately produce some extra electricity. How is this possible? From an engineering perspective, how are power stations designed to handle continually varying loads? Viktor T. Toth,...
by James Robert Deal | Feb 13, 2020 | Real Estate Broker
Is anybody contending that oil is being replenished within the earth? Keith Hisey, Geologist, Researcher, Senior Manager, Historian at Consulting (1980-present) Updated Jan 31 · Upvoted by George Jones, Master’s Computer Science & Geology, The College...
by James Robert Deal | Feb 13, 2020 | Real Estate Broker
Q: I am having trouble renting an apartment because of a dismissed Chapter 13 Bankruptcy. Can it be removed from credit reports since I did not continue with it and the debt has since been paid in full? A: A discharged bankruptcy means you have satisfied the debts...
by James Robert Deal | Jan 10, 2020 | Attorney Broker, Real Estate Broker
To:New Attorneys or Experienced Attorneys To:Attorneys Who Are Real Estate Licensed To: Attorneys Willing to Become Real Estate Licensed BECOME AN ATTORNEY-BROKER Dear Attorneys, I am both a real estate attorney (WSBA 8103) and a real estate managing broker...
by James Robert Deal | Dec 28, 2019 | Real Estate Broker
What not to miss in the final walk-through of your new home Originally published at The San Diego Union Tribune by Pat Setter It’s an exciting moment, walking into your brand-new home after it’s finally completed. But don’t let the excitement distract you from the...
by James Robert Deal | Nov 29, 2019 | Commercial Mortgage Broker, Commerical Mortgages
JAMES ROBERT DEALCOMMERCIAL MORTGAGE BROKER Not only am I a real estate managing broker (DOL # 27330) and a real estate attorney (WSBA # 8013), I am also a commercial mortgage broker (NWMLS # 64871). I do not place residential mortgages. I only place commercial...
by James Robert Deal | Nov 11, 2019 | Real Estate Broker
Why does Social Security pay so little in retirement? Jeanine Joy, Ph.D., CEO, Trainer, Speaker, Author, Researcher at Happiness 1st Institute (2011-present) Updated Aug 2 · Upvoted by Chris Smith, former Operations Supervisor (Retired) at Social Security...
by James Robert Deal | Nov 4, 2019 | Real Estate Broker
For Sellers, Move-Up Buyers, Selling Myths The #1 Reason to List Your House in the Winter · 2.1Kshares · 1.9K · 82 · 33 · 141 Many sellers believe spring is the best time to put their homes on the market because buyer demand...
by James Robert Deal | Oct 22, 2019 | Apartment Building, Building for Sale
4926 212th Street SWMountlake Terrace WA 98043 SALE PRICE $950,000 INCLUDING PLANS FOR 15-UNITAPARTMENT BUILDING https://youtu.be/mhaPJtb4-IY JAMES ROBERT DEAL ATTORNEY PLLCPO Box 2276, Lynnwood, Washington 98036Telephone 425-771-1110, Fax...
by James Robert Deal | Sep 26, 2019 | Building for Lease, Building for Sale, Real Estate Broker
JAMES ROBERT DEALREAL ESTATE ATTORNEY REAL ESTATE MANAGING BROKERCOMMERCIAL MORTGAGE BROKERKW EVERETT 425-774-6611James@JamesDeal.com I am writing about the building at 4017 Colby Avenue in Everett. The listing number is NWMLS 1410715 for the for sale listing. The...
by James Robert Deal | Sep 26, 2019 | Real Estate Broker
Why Are Rich People So Mean? Call it ‘Rich Asshole Syndrome’—the tendency to distance yourself from people with whom you have a large wealth differential. ILLUSTRATION: CASEY CHIN https://www.wired.com/story/why-are-rich-people-so-mean/? In 2007, Gary...
by James Robert Deal | Sep 1, 2019 | Real Estate Attorney, Real Estate Broker, Seller Financing, short sale, Uncategorized
HELPING OTHER BROKERSTO STRUCTURE DEALS AND GET THEM CLOSEDFLAT FEE PAYABLE AT CLOSINGI am both a real estate broker and a real estate attorney. I can wear either hat or both. I help buyers, sellers, and other brokers throughout Washington. Bring me on board when...
by James Robert Deal | Aug 17, 2019 | Real Estate Broker
Is MMR Vaccine a Fraud or Does It Just Wear Off Quickly? by Joseph Mercola, DO | Guest Writer Published May 8, 2018 | Vaccination, Risk & Failure Reports In 2010, two Merck virologists filed a federal lawsuit against their former employer, alleging the vaccine...
by James Robert Deal | Aug 4, 2019 | Real Estate Broker
LED Street Lights Reduce Property Values – Harm Eyes wear blue blockers AMA adopts guidance to reduce harm from high intensity street lights … https://www.ama-assn.org/…/ama-adopts-guidance-reduce-harm-high-intensity-street-l… 1. Jun 14, 2016...
by James Robert Deal | Aug 4, 2019 | Real Estate Broker
www.JamesRobertDeal.org/smart-meters Cell Towers, Smart Meters, 5G – They All Depress Property Values Cell Towers, Antennas Problematic for Buyers July 25, 2014 https://magazine.realtor/daily-news/2014/07/25/cell-towers-antennas-problematic-for-buyers An...
by James Robert Deal | Jul 23, 2019 | Real Estate Broker
From James: Smart meters reduce the value of your property. They cause fires. Some damage caused by electrical surges are not covered by insurance. James Robert Deal posted: "Thanks for the info. Sincerely, James Robert Deal Real Estate Attorney & Real Estate...
by James Robert Deal | Jun 1, 2019 | Real Estate Broker
Anti-vaxxer want informed consent and liberty Ada Drinkwater, Wife mother grandmother great grandmother Liberty & informed consent are not only the American Way, but a part of every document of medical ethics. Informed consent is also a part of the National...
by James Robert Deal | May 26, 2019 | Real Estate Broker
From James Robert Deal: Too much microwave radiation will make our cities and towns hard to live and work in. We will be fried by smart meters and 5G. The main beneficiary of smart meters are the companies that make them. The main beneficiaries of 5G will be robots....
by James Robert Deal | Apr 22, 2019 | Real Estate Broker
The US Institute of Medicine concluded that the evidence is inadequate to accept or reject a causal relationship between the DTap vaccine and autism. How then can the CDC make the blanket claim that vaccines do not cause autism?...
by James Robert Deal | Mar 22, 2019 | Real Estate Broker
Please just overlook the atrocious grammar in three of these. They are not editable but they ARE too good to delete. Contentment is not the fulfillment of what you want, but the realization of how much you already have....
by James Robert Deal | Mar 11, 2019 | Real Estate Broker
CLICK HERE TOSIGN UP FOR A BETTER PROPERTY SEARCH TOOLOR CALL JAMES ROBERT DEAL AT425-774-6611OR EMAILJAMES@JAMESDEAL.COM James Robert Deal says: “I am a managing broker with Keller Williams Everett. I am also a real estate attorney. I am available to answer your...
by James Robert Deal | Feb 17, 2019 | Real Estate Broker
HELPING BUYER BROKERSWHO ARE WORKING ON COMPLEX TRANSACTIONS SOLUTION: CO-BROKER WITH AN ATTORNEY-BROKER As attorney and broker, I can charge buyer, seller or broker by the hour. I don’t like to keep track of my time by the tenth of a minute, and most clients do...
by James Robert Deal | Feb 8, 2019 | Real Estate Broker, Seller Financing, Transit
JRDeal-NewZ-2-8-2019 RADIO PROGRAM – LIVE OR RECORDED www.JamesRobertDeal.org/Radio LISTEN LIVE OR LISTEN TO PREVIOUS RADIO PROGRAMS. Visit this link. WE CAN ELIMINATE TRAFFIC CONGESTION AND SAVE BILLIONS. Our current mass transit system does not pick us up where we...
by James Robert Deal | Jan 26, 2019 | Real Estate Broker
Reality check: Don’t fall for these TV home renovation fibs Kitchen and bathroom remodels can cost more and take longer than HGTV shows lead you to believe. · by Sharon Salyer · Saturday, January 26, 2019 These before-and-after photos of this Edmonds...
by James Robert Deal | Jan 24, 2019 | Real Estate Broker
From James: Some points are valid. Some are not. But this is well written and sometimes funny. One of government’s problems is that elected officials are being bribed by corporate money. They need vast sums to get elected, so they take the money. And that appoint...
by James Robert Deal | Jan 24, 2019 | Real Estate Broker
by James Robert Deal | Jan 22, 2019 | Real Estate Broker
The Top 8 Real Estate Calculations Every Investor Should Memorize by Andrew Syrios | BiggerPockets.com https://www.biggerpockets.com/renewsblog/2016/01/13/top-8-real-estate-calculations Despite what many of us math-allergic folk would prefer, real estate does involve...
by James Robert Deal | Jan 22, 2019 | Real Estate Broker
An additional inspection can cut short the time for the original inspection QUESTION: I’ve always been under the impression that when a buyer sends notice for additional inspections then the initial timeframe is void and buyer only has the additional timeframe to...
by James Robert Deal | Jan 15, 2019 | Real Estate Broker
10 Lethal Mistakes to Avoid on Your First Real Estate Investment by Chad Carson | BiggerPockets.com https://www.biggerpockets.com/renewsblog/2016/03/22/10-lethal-mistakes-avoid-real-estate-investment You may have heard that your first real estate investment is the...
by James Robert Deal | Jan 8, 2019 | Real Estate Broker
Click here if you are having trouble viewing this message. Weekly Membership Newsletter JANUARY 8, 2019 • Stay Connected! QUESTION: I have been asked a few times about non-refundable earnest monies. If a seller, who is a builder, is requesting that earnest monies be...
by James Robert Deal | Dec 2, 2018 | Real Estate Broker
4 Different Types of LLCs and the Ways They Pay Taxes by Scott Smith | BiggerPockets.com https://www.biggerpockets.com/renewsblog/different-types-of-llcs-and-the-ways-they-pay-taxes/ The following is meant for informational purposes and is not legal advice. For...
by James Robert Deal | Dec 2, 2018 | Real Estate Broker
Support Our Sponsors: For Accredited Investors Only. Syndicator of multifamily investments, Ashcroft Capital. Co-founder, Joe Fairless, BiggerPockets podcast guest episode #227. InvestwithAshcroft.com FORUMS BP BLOG PODCAST December 2, 2018 Newsletter LATEST POSTS...
by James Robert Deal | Oct 18, 2018 | Real Estate Broker
What Buyers Should Ask After a Home Inspection October 9, 2018 After an inspector has finished a home report, buyers may feel overwhelmed by any flaws that might have been found. That’s why it’s important they take the opportunity to learn more so that they can move...
by James Robert Deal | Oct 7, 2018 | Real Estate Broker
29 Door Knocking Resources for Successful Lead Generation Posted by REDX January is the perfect time to door knock. Most people wait until the holidays are over to list their home, and more homes are listed in January than any other month. This presents a once-a-year...
by James Robert Deal | Sep 16, 2018 | Real Estate Broker
JR-DEAL-NEWZ-9-16-2018 WASHINGTON POLITICS JAMES ROBERT DEAL, BROKER, ATTORNEY, ENVIRONMENTALIST, AMATEUR MUSICIAN Radio Program – Sunday, September 16, 2018 www.JamesRobertDeal.org/Radio 8:00 PM Politics: How to eliminate traffic congestion and take half the cars off...
by James Robert Deal | Sep 15, 2018 | Real Estate Broker
Choosing Your Domain in the Age of Dot ANYTHING Written by Saul Klein Posted On Friday, 14 September 2018 13:00 · https://realtytimes.com/real-industry-news-articles/item/1019999-choosing-your-domain-in-the-age-of-dot-anything As the Internet continues to...
by James Robert Deal | Sep 15, 2018 | Real Estate Broker
5 Mistakes Home Sellers Make Written by David Reed Posted On Friday, 14 September 2018 21:56 https://realtytimes.com/consumeradvice/sellersadvice/item/1020039-5-mistakes-home-sellers-make?rtmpage= There’s no shortage of advice for home buyers. Getting approved for a...
by James Robert Deal | Aug 31, 2018 | Real Estate Broker
CITY COUNCIL DENIES APPEALS OF CELL TOWER INSTALLATION Sam Catanzaro , Santa Monica Mirror, August 31, 2018 Wireless carrier Sprint wants to install a mini cell tower on this street lamp on 18th street. Photo: Sam Catanzaro. Residents protest installation of...
by James Robert Deal | Aug 30, 2018 | Multiple Residential, Real Estate Attorney, Real Estate Broker, Townhomes
15605 CASCADIAN WAY, BOTHELL WA LISTED FOR SALE $430,000 NWMLS 1295273 This is a 1,487 home with 3 bedrooms and 2 bathrooms. The large carport can be converted into a garage. The lot size is 19,166, so there is plenty of room for RV parking and for construction of an...
by James Robert Deal | Aug 19, 2018 | Real Estate Broker
Survey by the National Institute for Science, Law & Public Policy Indicates Cell Towers and Antennas Negatively Impact Interest in Real Estate Properties 94% of respondents said a nearby cell tower or group of antennas would negatively impact interest in a...
by James Robert Deal | Aug 13, 2018 | Real Estate Broker
Reciprocal Usage Easements? What is the Purpose? Many buildings that were constructed prior to the 1960s lacked adequate parking, and/or even on-site common usage with for ingress/egress of automobiles. In property law, ingress/egress referred to rights of a person to...
by James Robert Deal | Aug 6, 2018 | Real Estate Broker
Shortening the Limitations Period on Credit Card Collection Lawsuits Jon Sheldon August 6, 2018 Print/Download Email link to this article CONTENTS · Which Statute of Limitations in a State Applies to Credit Card Collection Lawsuits · Which State’s Statute of...
by James Robert Deal | Aug 5, 2018 | Real Estate Broker
The Downsides Of Selling A “Smart Tech” House Posted on August 4, 2018Natural Living · · · · · · · Like By Catherine J. Frompovich Listen to Article Will your “smart home” become a true headache and liability when you...
by James Robert Deal | Aug 2, 2018 | Real Estate Broker
Student Loan Repayment Rights: Consumer Debt Advice from NCLC Joanna Darcus August 2, 2018 Print/Download Email link to this article CONTENTS · First Identify What Kind of Loan You Have · Rights to Cancel Your Federal Student Loan · How to Reduce...
by James Robert Deal | Jul 27, 2018 | Real Estate Broker
Just a few years ago, experts indicated Americans (especially young Americans) were more interested in a different lifestyle than previous generations. Instead of owning a house in the suburbs, the new American dream consisted of renting an apartment in the city....
by James Robert Deal | Jul 26, 2018 | Real Estate Broker
Selling Your Home Solo to Save Money? You’ll Actually Make Less Than You Think Posted in Economist Commentaries, by Amanda Riggs on July 9, 2018 385 Some homeowners opt to sell their residence without a real estate agent to get around paying a commission and make more...
by James Robert Deal | Jul 25, 2018 | Real Estate Broker
RENEW FLOOD INSURANCE BUT QUIT SELLING NEW COVERAGE AND QUIT BUILDING NEW HOMES IN FLOOD ZONES SEA LEVELS ARE RISING Can’t read or see images? View this email in a browser Have you taken action yet? Time is Running Out Dear Emelyn, The National Flood Insurance...
by James Robert Deal | Jul 25, 2018 | Real Estate Broker
Climate Change Will Force the Poor From Their Homes Low-Lying towns and Homes in Washington will be affected too Alamy This story originally appeared on CityLab and is part of the Climate Desk collaboration. It’s no surprise that a list of places most at risk from...
by James Robert Deal | Jul 1, 2018 | FHA Rehab Loan, Fixer, Home Prices, Uncategorized
REHAB THIS HOME AND HAVE EQUITY WHEN DONE 18809 65th Place West Lynnwood Washington $418,950 This is a split level house in a good neighborhood where values are rising. It has 2,088 sq ft of living space plus a two car, 576 sq ft garage. It has four bedrooms and three...
by James Robert Deal | May 1, 2018 | Leasing, Real Estate Attorney, Real Estate Broker, Second Mortgages, Seller Financing, short sale
As attorney and broker, I can charge buyer, seller or broker by the hour. I don’t like to do that, and most clients do not like it either. I prefer to work as a broker. I get paid better, and so I can afford to put more time into inspecting every aspect of the...
by James Robert Deal | Apr 16, 2018 | For Sale By Owner, Lease Option, Listing Broker, Real Estate Attorney, Real Estate Broker, Seller Financing
JAMES ROBERT DEAL REAL ESTATE ATTORNEY Call a real estate attorney BEFORE you buy or sell real estate. Don’t wait until you are in the middle of the deal and you think you may have a problem. I do not charge for telephone discussions from buyers, sellers, and...
by James Robert Deal | Dec 23, 2017 | Real Estate Broker
. There are various value estimation services. They work best on tract homes which are mostly alike. However, when it comes to more individualized homes and homes which are older, the service does not know anything about the condition of the property. It is good to...
by James Robert Deal | Mar 20, 2017 | Uncategorized
McFerran Law, P.S. Practicing Real Estate Law in Western Washington since 1986 March 20th, 2017 Bankruptcy Update: 4 Compelling Reasons to File Your Tax Return Even If You Cannot Pay Although you are receiving this email from our bankruptcy department, it is not...
by James Robert Deal | Mar 13, 2016 | Modification is the Practice of Law, Mortgage Modification, Successes
Most of our clients are people who tried to modify their loans on their own and failed. Mortgage modifications are tricky. There are procedures which must be followed. When you do something wrong, the servicer does not tell you what you are doing wrong. The servicer...
by James Robert Deal | Oct 25, 2015 | Environment
What To Serve A Goddess When She Comes For Dinner Welcome To My Book I highly recommend it. I had a lot of fun writing it. My book has 464 page book. It is 8.5″ x 11″ in size. It weighs three pounds. It is a beautiful book. It comes autographed. I can autograph it...
