Realty As Is » Salt Lake Homes

Bad Energy in The Home? Energy Stage it with Reiki and Feng Shui!

Tom Winand — Sun, 20 Nov 2011 22:33:20 +0000

Thnaks to HG TV we get an introduction to Feng Shui and negative energy’s impact to selling a home. If your home is not selling or to maximize your homes potential to sell you may consider removing any negative energy before showing it. Carla Davis has worked on my listing before removing the negative energy, creating a new energy flow of positive energy and blessing the home! Walla the home sells soon after often the next showing or open house the next day! So what didn’t the home sell and after a Energy Cleansing and Blessing it sells? You tell me what happened? Was it coincidence, or was it the energy shift what made a difference? Please comment below! Carla career is actually working with clients as a Reiki Master and life coach at Enlivening Tranquility, Reiki Life Works. She works with clients energy stops, by shifting what stops people from achieving their dream. Working with homes is a side job for some of my problem listing.

Carla Davis can be reached at 801-201-3175 or Email

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$1,000 House Project by MIT, affordable housing for all

Tom Winand — Fri, 16 Sep 2011 17:59:46 +0000

This is a great idea a challenge to build the most affordable home. of course some areas would have access to different resources. I have been looking at The use of concrete, potash hybrid mix for years to make an affordable home that would be almost indestructible. Made with tilt up construction and pored on slab. I wonder if there is a way to poor an earth slurry that would have the strength to build a home with tilt up construction form molds. Any Ideas? The concept is to us 8″ of form insulation on the outside covered with a earthen based stucco. With the concrete hybrid that would give you an insulation of about R50 and a outrageous thermal mass. The home would keep it temperature constant and you may not have to have any heating and cooling accept in extreme conditions.

Posting by MIT News below is excellent b y Peter Dizikes, MIT News Office September 15, 2011

Home prices in many of the world’s most famous cities run to well over $1,000 per square foot. By contrast, MIT architects have produced a decidedly more affordable alternative: the first prototype from the Institute’s “1K House” project, an effort to see if low-cost homes for the poor can be constructed for $1,000, total.

The prototype, called Pinwheel House, was designed by Ying chee Chui MArch ’11, a graduate of MIT’s Department of Architecture, and has been constructed in Mianyang, in Sichuan Province, China.

“It’s part of the responsibility of an architect, to create these spaces for people to live,” Chui says. “It’s from the heart.”

Chui first designed Pinwheel House in 2009 as part of the design studio — essentially a class — that launched the 1K House effort. The project is particularly focused on affordable housing for areas hit by natural disasters, such as the 2008 earthquake in Sichuan. This prototype turned out to be more costly, at $5,925, but is still very inexpensive in relative terms.

The idea to attempt building $1,000 homes was first conceived by Tony Ciochetti, the Thomas G. Eastman Chair at MIT’s Center for Real Estate, and inspired by One Laptop Per Child, the foundation headed by MIT professor Nicholas Negroponte that brings low-cost computers to children.

“There is a huge proportion of the world’s population that has pressing housing needs,” says Ciochetti, who first got the idea for the initiative after seeing a family of four emerge from a tiny mud hut while he was traveling through rural India. Like One Laptop Per Child’s aim of developing $100 computers, Ciochetti adds, the idea of the $1,000 house is intended as a challenge to designers: “Can you build affordable, sustainable shelter for such a large population?”

Pinwheel and courtyard

Chui’s house is one of 13 plans that emerged from the first 1K House design studio, in 2009. It features hollow brick walls with steel bars for reinforcement, wooden box beams, and is intended to withstand a magnitude 8.0 earthquake.

The Pinwheel House prototype was more expensive to build partly because it is larger than Chui’s original design — about 800 square feet, rather than 500 square feet. The smaller version of the house could be built for about $4,000, says Chui, now an architectural practitioner in New York City. That figure could be still lower if a large number of the homes were built at once, she adds.

In any case, the central design concept of Pinwheel House is the same: It has a modular layout, with rectangular room units surrounding a central courtyard space. “The module can be duplicated and rotated, and then it becomes a house,” Chui says. “The construction is easy enough, because if you know how to build a single module, you can build the whole house.”

Yung Ho Chang, a professor of architectural design at MIT who helped oversee the 2009 1K House design studio, thinks the prototype has fulfilled the promise of Chui’s design. “The house Chee built has good ventilation and good light,” Chang says.

Chang, for his part, is originally from China, and runs an independent practice there, Atelier FCJZ. He was attracted to the 1K House project, in part, by the shortage of good housing in some parts of his native country.

“After the earthquake, this project came as a natural thing to do,” Chang says. “It’s not just about how cheap the house is, but if it’s decent. When you look at living conditions in parts of China, India and Africa, they don’t meet the basic standards of what we think of as real housing.”

From $1K to $10K?

The 1K House project has proven successful enough, and attracted enough attention, that Chang is overseeing a related MIT design studio this fall, along with a number of outside collaborators. This one aims to create a series of home designs, intended for Japan, which would cost $10,000 to build. Participants in the studio include architects and designers from Tokyo University, the Japanese architecture firm Tsushima Design Studio, Atelier FCJZ, the Japanese retailer Muji, and Vanke, a real estate development firm in China.

“The idea of the 1K house is very much about how could we, as architects in research institutions like MIT, work on world poverty,” Chang says. “This semester, the mission is more about how design could reach a bigger percentage of the population, in the middle class.”

The new design studio also aims to create homes that could be built inexpensively following natural disasters, such as the earthquake and tsunami that struck northern Japan in March. Rebuilding in such situations, Chang says, often entails three stages of construction: the creation of temporary shelters, then stronger temporary homes sturdy enough for winter weather, and then permanent replacements for damaged or destroyed buildings.

During that process, Chang says, “there are a lot of resources wasted, including energy.” Alternately, he suggests, inexpensive and simple houses built from an existing template could let countries rebuild more quickly with practical, permanent structures.

The use of inexpensive housing for rebuilding is, in part, why architects in Japan are now engaging with the project. The initiative “is an important step in the realization of rapid/permanent community building,” says Andrew Wit, an architect with Tsushima Design Studio, responding to questions by email. After disasters, he adds, “the government very quickly builds shelters to house all of those affected by the events, but these cheap housing types have very short lifespans and are also made at very low quality standards … But the [MIT house project] asks if it is possible to utilize new technologies and processes for the quick creation of housing equal to or higher then the typical quality standards which are currently seen in Japan.”

Plenty of hurdles remain before any home can be manufactured for $1,000 or less. “If it were easy, somebody would have done it,” Ciochetti says.

But ultimately, Chang hopes, convening further studios in the vein of the 1K House project will allow more designs to move from the drawing board and onto solid ground. “The inexpensive laptop got to be more than an idea, it became available for children,” Chang says. “I hope one day we’ll be in the same position.”

The Masters of Money The United States Monetarily Problem Exposed

Tom Winand — Thu, 18 Nov 2010 18:34:16 +0000

The Real Solution of the Money and Debt Problems! This is a real movie it long but riveting about. You can down load it her The Masters of Money

After watching this if your not disturbed by the monetary system watch Conspiracy Theory Jesse Ventura Wall Street!

Part 2

Part 3

I hope you’re as concerned about the Federal Reserve Bank and the amount of fraudulent debt that is now on the books of the US strangling the freedom of the United States. As long as the Fed and Goldman Sachs run the money stream and the Rothschild are pulling the string; we’ll be no better then indentured servants in the US. Only when the US goes back to there own money like Abraham Lincoln’s Green Backs, interest free money, will we have a chance of being the country we think we are!

Question from homeowner: My lender just sold my loan. Is that a good thing?

Tom Winand — Wed, 17 Nov 2010 23:23:23 +0000

Salt Lake City UT – The Stop Foreclosure Institute recently received a question from James. “My loan was just sold. I was making payments to CitiFinancial and they sold it to Nationstar. Is that good or bad?” James asked.

Here is the answer. It’s neither good nor bad. In fact, I don’t think your loan was sold. You see, most loans were packaged up and sold to Fannie Mae, Freddie Mac, or Wall Street.

James’s loan was more than likely packaged up and sold off. I asked him who his original lender was. He said it was a company called First Magnus. (First Magnus declared bankruptcy in 2007 and was afterwards closed.)

The Stop Foreclosure Institute has negotiated short sales on loans that were originally with First Magnus. The last one was sold to a large Wall Street Firm and securitized.

That means James’s loan could be owned by anyone. More than likely it is owned by Fannie Mae or Freddie Mac. If not, then it was probably sold to a Wall Street Firm.

The owner of the loan hired CitiFinancial to act as their front man. That means Citi collected the payments, handled escrows and accounting, and manages debt collections and foreclosures.

More than likely Nationstar did not buy the loan. Instead whoever owns the loan hired them to act as the front man instead of Citi.

Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at tom@spottedhome.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail. If you prefer, then you can call me at 801-403-9774.

Discover how other sellers successfully completed a short sale and request a free consultation by.

Thinking about a loan modification? Our Salt Lake City Loan Modification Kit has the instructions you will need to get a loan modification approved with your lender.

Thanks for reading this, Tom Winand.

Tom is a Real Estate Broker at Spotted Home LLC.

Phone: 801-403-9774. tom@spottedhome.com.

We Believe in HOME

View My homes for sale at www.spottedhome.com.

Tom Winand specializes in loan modification assistance and short sales in Salt Lake City Utah. Salt Lake City Loan Modification Help, Salt Lake City Short Sales, Salt Lake City Short Sale Realtor. Short Sale Realtor. Salt Lake City UT Short Sales. Salt Lake City Realtor.

Salt Lake City Short Sales: Who benefits from a short sale?

Tom Winand — Wed, 10 Nov 2010 19:47:35 +0000

Salt Lake City UT – First, it benefits the owner of the loan. This is because they get to sell the house at today’s price, versus what it will be worth 6-12 months down the road. I just did a comparison and pulled up sold listings.

All of the listings were the similar properties in similar neighborhoods. First, I looked up the average selling price per SQFT of homes that sold in Spring. They sold for an average of $103 a SQFT.

Then, I pulled up homes in the same neighborhoods that sold as REOs in the last 2 months. They are sold for an average of $85 a SQFT. These homes average 1,700 a SQFT. That means a 1,700 REO sold for $30,600 less. Ouch!

Discover how other sellers successfully did a short sale and request a free consultation by clicking here.

The other person that’s getting value is the buyer. They get a better deal in today’s market than buying a home from someone who is trying to squeeze out every penny.

You, the seller also benefit. You will be eligible to buy another home in 24 months. You have a better chance of getting a job, because many employers check that nowadays. A short sale is a win – win for everyone involved.

Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at tom@spottedhome.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail. If you prefer, then you can call me at 801-403-9774.

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Salt Lake City Loan Modification Kit has the instructions you will need to get a loan modification approved with your lender. Click here to request a copy.

Thanks for reading this, Tom Winand.

Tom is a Real Estate Broker at Spotted Home LLC.

Phone: 801-403-9774. tom@spottedhome.com.

We Believe in HOME

View My homes for sale at www.spottedhome.com.

Thinking about a short sale, but can’t pay your homeowner’s association dues?

Tom Winand — Mon, 01 Nov 2010 20:58:23 +0000

Salt Lake City UT – Many people don’t think they are eligible for a short sale because they have unpaid homeowner’s association dues. Don’t worry about paying them yourself. When you short sale your home the association dues will be paid by your lender.

Discover how other sellers successfully did a short sale and request a free consultation by clicking here.

A homeowner’s association is a very small percentage of the overall short sale value. Lenders know that a short sale will net them substantially more money than a foreclosure.

I had an example in the post below. I showed a house that received a $119,900 short sale offer. The lender rejected that offer. The home was foreclosed on and sold for $96,400. That means that lender lost $23,500 by rejecting that short sale offer.

The short sale lenders have ran all the numbers on a short sale versus foreclosure. They have high paid actuaries who go through everything.

If they have to foreclose, then they want to make sure they get the most amount of money possible. They know that they can recoup their money faster with a short sale versus foreclosing on a house and then reselling it.

Because of that they are willing to pay your delinquent homeowners association dues. In addition, the bank pays the real estate agent (they will have to hire a real estate agent when they sell the house.)

They also pay the title insurance and property taxes, because they must be paid in order to sell a house. They have to pay all those costs when they sell a bank owned property.

The Bottom Line: All of the costs are borne by the bank in a short sale. You pay nothing.

Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at tom@spottedhome.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail. If you prefer, then you can call me at 801-403-9774.

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Salt Lake City Loan Modification Kit has the instructions you will need to get a loan modification approved with your lender. Click here to request a copy.

Thanks for reading this, Tom Winand.

Tom is a Real Estate Broker at Spotted Home LLC.

Phone: 801-403-9774. tom@spottedhome.com.

We Believe in HOME

View My homes for sale at www.spottedhome.com.

Salt Lake City Short Sales: How Short Sales help the economy

Tom Winand — Fri, 29 Oct 2010 21:25:43 +0000

Salt Lake City UT – Yesterday’s post talked about how banks lose money when they turn down short sale offers. A recent study by Boston Consulting Group showed that a lender will net 20% more money on a short sale versus a foreclosure.

Discover how other sellers successfully did a short sale and request a free consultation by clicking here.

The reason is because short sales usually sell for more money than a foreclosure. A short sale is usually in good shape, while a foreclosure is usually in disrepair.

Most economic experts say housing is the biggest drag in today’s economy. Every single foreclosure that sells for less money drags the rest of the housing market down.

Homeowners often move out after they stop paying. The yard becomes overgrown. This drags the resale value down. In addition a foreclosure takes 18-24 months.

That means the banks loses money because of interest and property taxes on the house. This drags down the banks finances. They have less money to lend out, which causes another drag on the economy.

Here is an example of a rejected short sale that was foreclosed and resold. It illustrates that short sales sell for more money than a foreclosure.

A guy we knows listed a house for $130,000. Eventually an offer came in for $119,900. The agent attempted to negotiate a short sale with the lender. The lender turned it down.

The house was eventually foreclosed on 12 months later. It sold for $96,400. That is a $23,000 loss, before adding in the foreclosure costs, lost interest, property taxes, etc.

This is why you shouldn’t feel bad that you are short selling your home. In fact, I think you should get an award because of what you are doing to help the economy.

Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at tom@spottedhome.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail. If you prefer, then you can call me at 801-403-9774.

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Salt Lake City Loan Modification Kit has the instructions you will need to get a loan modification approved with your lender. Click here to request a copy.

Thanks for reading this, Tom Winand.

Tom is a Real Estate Broker at Spotted Home LLC.

Phone: 801-403-9774. tom@spottedhome.com.

We Believe in HOME

View My homes for sale at www.spottedhome.com.

Where is the Salt Lake housing market going!

Tom Winand — Tue, 26 Oct 2010 20:54:21 +0000

Form the 2 most reputable statistical sources Core Logic and The WFRMLS we see Salt Lake county prices down about 9% on the year. There are communities where that is in the 14% range. After the tax credit ended in the end of September home sales are way down. Since the highs of 2007 we’re seeing price per square foot down 24% since the high of Aug 2007. In Aug 2007 the county medium price per sqft hit $119.73, Aug of 2010 it was $90.32 that is 75.43% of the price in 2007 or a decrease of 24.56%. What I have seen in some of the hardest hit area it over 35%. For example Suncrest was $134.98 Dec 2007 and in Sep. 2010 it was $87.72 or 64.98% of the original that is a decrease of 35.01% Herriman was $116.49 July 2007 and Sep. 2010 it was $76.61 a decrease of 34.69%.

Form what I predicted last summer of 10 to 12% this year were on pace for that. It looks like it my be right on track for 12% with winter coming. Were going into the worst time of the selling season and we have no tax credit and no help to see in the future. With foreclosures or the short sales driving the prices down no decrease in that inventory. We have record foreclosure in Salt Lake county over the last 3 months. I predict an addition 5% decrease in price per sqft by the end of the year. We just have nothing to prop up the housing sales market at this point for the foreseeable future. Mortgage rates have no affect. I see that trend continuing for the first quarter of 2011. I would look to bring out the old tax credit for housing at end of March or beginning of April. Buckle up it going to be a home buyer market for the winter in Salt Lake; large sale prices will be had by buyers this Holiday season if you can buy, do it!!!

That is Realty as is and my prediction. I have been right so far. We’ll with the acceptation of the stocks falling below 9,000 in the summer it only hit 9,500. Look for Salt lake county price per sqft to hit the $84 mark by the end of February .

Fraud is Fraud Salt Lake City Town Hall on Foreclosure Law being Changed

Tom Winand — Thu, 21 Oct 2010 22:11:25 +0000

I love this Guy Fraud is Fraud!!!!!!

The Salt Lake City Town Hall Meeting on Changing foreclosure law in Utah

Tom Winand — Thu, 21 Oct 2010 22:06:46 +0000

This is a clip of the most interesting part of the Town Hall Put on By Rep Trisha Beck. Thanks You Trisha. I really liked hearing the stories of home owners. I couldn’t tape my self. I said it was once said Greed is Good in a movie if that is true banks are great. They are Greed incorporated!!!!! I stand by that statements Banks are Greed Inc.