SOLD SOLD SOLD!!!

100 N Montauban has been reduced to 300,000.00 That is 33,000.00 less than what it sold for less than a year ago! This is well below appraisal. It is one of the least expensive in the gated community of La Bon Vie. Call today to view this wonderful home..

100 N. MONTAUBAN SOLD!!!

S. Magnolia

518 S. Magnolia for Rent!

2 Bedroom

1 Bathroom

1 Yr. Lease

$400 Deposit

$585/month

Grand Lake

169 Grand Lake Dr. for Rent

Located in Arnaudville

4 bedrooms

2.5 bathrooms

Wood Flooring

Granite in Bathroom and Kitchen

Includes Office

Large Lot

1 yr. Lease

$2500/month

Molasses

100 Molasses for rent!

2 Bedroom

2 Bathroom

1500 Sq. Ft.

Wood Floors

Granite Kitchen Countertops

Fresh Paint

1 yr. Lease

$1250/month

House For Rent

House for Rent on Albert St.

2 Bedroom

1 Bathroom

Located Conveniently 1 block off of UL Campus

Requires 1 year lease

$800 Deposit

$800/month

Preparing for a hurricane

After you have all the important papers in a file where you can just take it with you, what next?

If you decide to leave for a storm, please consider the following:

Having a plan of where you are going and a plan of contact. Who you are going to call? Is there someone that can be a base that is not in the same area that everyone can call and check in with.

After that then you need to prepare your home. Most people already know about putting up plywood, but another thing to remember is to remove any debris from your lawn, flower pots,bird feeders, yard art, benches ect. This is to prevent these items from going into your window or a neighbors window. Bring in all trash and trash cans

1037 Vivian

Looking for a large home on a large lot? Want to live in Breaux Bridge just minutes from Lafayette?
Well 1037 Vivian just might be the home for you. It offers 3 bedrooms and 2 baths 2400 sqft of living area. It has a large master bedroom with a walk in closet and large master bath. The kitchen and den is open perfect for entertaining.
All this at 130,000.00
Call today for more information!

Land, Land and More Land!

Want land for a new home or for your new camp, or for your new commercial project?
Well I have it. I have several lots in Fox Chase and Grey Oaks. These lots are perfect for your new home. they offer a restricted community with country qualities. Lots starting at 10,000.00

I also have several lot in Elm Run. These lots would be perfect for a camp or your dream home. They are not on the river. They are large lots with not restrictions.

Looking for a mobile home lot? I have one in Breaux Bridge in the restricted subdivision of Pal Place. These lots start at 19,500..

I also have some commercial lots in Upper Lafayette and Sunset area.
Call if you are interested in these or if I can help you find something else.
Have a great day!!!

Budgeting for a home

When budgeting for a home a buyer should have 3 budgets.
The first is a current budget. Take 30 days to track where every penny goes.
you will be amazed at where you end up spending most of your money.
Then run a budget with the house note that you will have if you buy a house.
Then run a budget adding in a budget for house hold repairs,savings,emergency fund, retirement,and items for children if you have them.
This will help you see "how much " of a house note you can truly afford. Lenders do not consider food,electricity,movies or any of day to items when they approve you for a loan amount. they only consider debit and income.
K

202 New Castle

202 New Castle is for rent
1300 per month.
3 bedroom 1.5 bath
located at camellia and johnston,seconds from river ranch.
Will allow pets.
Call 337-962-0209

How to start in looking for a house

In asking around I have discovered that many people do not know how to get started in purchasing a home. Most start by driving around and calling the for sale sign that they see and end up talking to someone about that house and then they move on to the next sign.
Well the best way to start is to interview agents. Ask your family and friends who they have used in the past and what they liked or disliked about their agent. Call the agents and interview them.
Once you have chosen an agent they should start by telling you to call a lender and see what you can be approved for.
After the approval comes in, go over this with the agent. A great agent will help you see if it is feasible and help you establish a budget before even looking at a house. A great agent will also ask to see the good faith from the lender so the agent can help negotiate closing cost.
Remember to always ask a lot of questions... a great agent may not no the answer right away but will always be willing to find the correct answer.
K

Reduced! Reduced! Reduced!

100 N Montauban has been reduced to 300,000.00 That is 33,000.00 less than what it sold for less than a year ago!

This is well below appraisal. It is one of the least expensive in the gated community of La Bon Vie. Call today to view this wonderful home..

For rent

202 new castle is for rent. It is avaiable for July 1 2009.
It offers 3 bedroom 1.5 baths all wood floors and a huge kitchen and laundry. It also has a fenced in yard and I will allow pets.1350 per month 1 year lease.
New castle is off of Johnston st and camellia.
k

under contract

Sorry about not posting in awhile, I was out of town.
I am very excited to announce that Nina Hwy is now under contract!!
ther are still plenty of listing out there if you are looking. You can email and I can help.
Anyone looking to venture into a business? I have a profitable storage bussiness for sale.
Just call or email..
Have a great week!!
K

FOR RENT

I have a 2 bedrooms 1 bath unit off of Pont Des Mouton for rent. It has updated light fixtures and ceiling fans in each room. It has wood floors in the den. It is 525 per month and a 350 deposit. it will be available May 25 2008.

Being Preparred for a Hurricane

Hurricane season is coming up quickly! Are you prepared?

1. The first thing you should do is make sure you have all the numbers you need to contact your homeowners insurance. Make sure you are insured for the replacement cost of your home. Make sure you know and understand how much your deductible is or could be. You need to know if it is a flat rate or a percentage.

2. Know if you have flood insurance or not. If you do not, ask how much it is for a year. You may decide it is worth it.

3. Make sure you have copies of all important documents, health insurance cards,cars insurance,ss cards,birth certificates and a COPY OF WHERE YOU SHOULD PAY YOUR MORTGAGE AND ANY HOUSE RECORDS THAT YOU MAY HAVE.. This is so important and many people forget it. You can never be to cautious in the important papers that you take.

4. If you plan on leaving, take copies of you child's medical recordsand any other family members(shots,medications,and any allergies) and school records as well as birth certificate. This will assist you in getting your child in temporary school or in seeking medical attention if needed.

Kristy

New construction

Looking for Land to build your dream home on at a dream price?
Well now is the time!
We have several lots in Grey Oaks subdivision, Fox Chase subdivision and in Pal Place.
Just give me a call and I can help you find your dream lot at a dream price.
Kristy

Facebook

Hey Guys,

Lets be friends on Facebook..

Just click add as friend...

Always remember:

BUY SMART, SELL SMART

CALL KRISTY ANDERSON

FOR ALL YOUR REAL ESTATE NEEDS...

For Lease

Good Morning!!
I have a 3 bedroom 2 bath home for rent off of Johnston street close to camellia blvd.
It is 1800 sqft has all wood floors and I will allow pets.
Just give me a call if you might be interested. This is a one year lease.
Kristy

Pictures of Home in Henderson

Wow, in Henderson we have a great property that is just perfect for some who like to travel and needs a place to park the motor home.
This home offers a large efficiency 1 bedroom 1 bath home with connections for a motor home.
It is only 69,900. the lot is fenced in the back. You can build if you would like and have the pleasure of quiet country living with easy access to all the major conveniences of a city. Call or email for more info. 337-962-0209 or Kpaa2001@yahoo.com
Always remember:
BUY SMART, SELL SMART,
CALL KRISTY ANDERSON
FOR ALL OF YOUR REAL ESTATE NEEDS!
K

Facebook

You can find me on facebook. Just add me as a friend..

Shopping for a home??

If you are shopping for a home it is very important to get a pre-approval letter. This can be done by speaking to a lender over the phone. This will allow you to know how much you can spend and how much you want to spend. The process will help you estimate what your monthly note will be. Many people can get approved for more than what they can afford. Remember loans do not expect you to be able to pay your utilities and eat:). After you attain a pre-approval you will need to provide your lender with hard copies of all the information that you verbally provided to them. Lending is changing all the time make sure you stay in contact with your lender.
K

Mobile home needed

Need a mobile home? We have it for you! 1037 Vivian in Breaux Bridge. this beautiful mobile home has 3 bedrooms 2 bath over 2400 sqft of living area and it on sits on a corner lot. Great condition and very well taken care of. It passes all va and fha guidelines. Call Today for your personal showings you must be per approved to purchase a mobile home, not all loans apply)
k

I HAVE A NEW COMPANY

I am so excited to announce that I am now with Perron Real Estate.
What does this mean for my client, it means better service.
This is a company that will support me in my real estate sales.
They are here to assist me in helping my sellers sell and my buyers buy real estate, all the the most ethical,honest and moral way. They are not going to lie steal and cheat just to line their own pockets.....
I just can not say how excited I am. Change is GREAT! I am looking forward to the rest of this year and this is the change I needed to become a better agent for all my clients. Get ready! This is going to be amazing journey!
K

Proud to announce that 130 Molasses is under contract!!!!
Theses owners did exactly what they should have as owners and where able to secure a great offer and in a timely manor.
K

Irs rules to selling a home

Seven Things you Should Know When Selling Your Home

People who sell their home may be able to exclude the gain from their income. Here are seven things every homeowner should know if they sold, or plan to sell their house.

Amount of exclusion. When you have gain from the sale of your home, you may be able to exclude up to $250,000 of the gain from your income. For most taxpayers filing a joint return, the exclusion amount is $500,000.

Ownership test. To claim the exclusion you must have owned the home for at least two years during the five year period ending on the date of the sale.

Use test. You also must have lived in the house and used it as your main home for at least two years during the five year period ending on the date of the sale.

When not to report. If you are able to exclude all of the gain from the sale of your home, you do not need to report the sale on your federal income tax return.

Reporting taxable gain. If you have gain which cannot be excluded, it is taxable and must be reported on your tax return using Schedule D.

Deducting a loss. You cannot deduct a loss from the sale of your home.

Rules for multiple homes. If you have more than one home, you may only exclude gain from the sale of your main home and must pay tax on the gain resulting from the sale of any other home. Your main home is generally the one you live in most of the time.

Should you buy a home?

Everyone is asking is this the time to buy a home? Is this a buyer market?
Allow me to give you my opinion on a buyers market.'
If you are looking to buy a home you need to ask yourself these very important questions.
1. Do you have a savings account with at least 6 months of house payments plus an extra 1,000.00 dollars? If so then it may be time to consider buying.
If you have a savings account with this amount in it and have very little other debit then it may be a buyers market for you.
For it to be a buyers market you have to be able to get a loan or have cash to purchase a home.
If you have a credit score lower than 625 you may find it diffucult to find a loan with out have 20 percent to put down and money in a saving account.
If you do not have at least 3-5 percent to put down then you may note be able to get a loan.
So think about these itemsbefore you decide if you want to buy a home... and thisw will tell you if it is a buyers market.

Fox Chase Subdivision

Peace and Quiet close to the city, that is what Fox chase Subdivision can offer it homeowners. Fox chase homes are a minimum of 1500 sq ft, on a slab and 70% of the home must be brick.
The roads are paved and there is city water, and city sewage. All the drainage will be covered.
This subdivision is located north of I-10 in Sunset la.
Lots start at 21,500 and owner financing is available.

Land For Sale and they are not making more!

Well I have several lots for sale.
3 lots in arnaudville. they are about quarter of an acre. Electric and water are at the property.
The price is 9950.00 per lot. The minium to build is 1500sqft

House For Sale

Here is a beautiful home in the north lafayette area.

If you need Four bedrooms 3 baths at a great price, this is the home for you!

This home offers wonderful wood floors and tile floors in the wet areas. A lot of storage, a formal dining room, granite countertops and a 2 car garage. if you would like more information on this house or any other house please call.

Home For Sale

Check out this house for sale.

130 MOLASSES LAFAYETTE, LA 70508

Great Patio home, just waiting for new owners. This home has 3 bedrooms ,2 baths with an open den /kitchen. It has fresh paint, a new roof and a new dishwasher . These are just a few of the great features this homes has to offer. Call for your personal showing today!

All potential buyers should be preapproved.

This Just In

This is from the Irs website... If you have sold your home at a loss or it has been forclosed, please read this. It may effect you. There website is www.irs.gov

Mortgage Debt Forgiveness
If your mortgage debt is partly or entirely forgiven during tax years 2007 – 2012, you may be able to claim special tax relief and exclude the debt forgiveness income.
Normally, debt forgiveness results in taxable income. However, under the Mortgage Forgiveness Debt Relief Act of 2007, you may be able to exclude up to $2 million of debt forgiven on your principal residence. The limit is $1 million for a married person filing a separate return.
Taxpayers may exclude debt reduced through mortgage restructuring, as well as mortgage debt forgiven in a foreclosure. To qualify, the debt must have been used to buy, build or substantially improve your principal residence and be secured by that residence. Refinanced debt proceeds used for the purpose of substantially improving your principal residence also qualify for the exclusion.
However, proceeds of refinanced debt used for other purposes (for example, to pay off credit card debt) do not qualify for the exclusion.
If you qualify, you claim the special exclusion by filling out Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness, and attaching it to your federal income tax return for the year.
Debt forgiven on second homes, rental property, business property, credit cards or car loans does not qualify for the new tax-relief provision. In some cases, however, other tax relief provisions, (for example, insolvency), may be available. See Form 982 for details.
If your debt is reduced or eliminated you will receive a year-end statement, Form 1099-C, from your lender. By law, this form must show the amount of debt forgiven and the fair market value of any property foreclosed.
The IRS urges borrowers to examine the Form 1099-C carefully. Notify the lender immediately if any of the information shown is incorrect. You should pay particular attention to the amount of debt forgiven (Box 2) and the value listed for your home (Box 7).
For more information about the Mortgage Forgiveness Debt Relief Act of 2007, visit the IRS Web site at IRS.gov. A good resource is IRS Publication 4681, Canceled Debts, Foreclosures, Repossessions and Abandonments. Taxpayers may obtain a copy of this publication and Form 982 either by downloading from IRS.gov or by calling 800-TAX-FORM (800-829-3676).
Links:
Form 982
Form 1099-C

Should I Buy or Shouldn't I Buy

Have you been watching CNN, World News, and listening to the radio? It can be depressing and overwhelming. Turn It off!



If we listen to them, the world is coming to an end and all homes are going to come crashing down! This is not the non-bias truth.



If you need a roof over you head and you can balance your families budget, you should own a home, but you must you understand the following statement! Not everyone should own a home and everyone should understand that more goes into owning a home than just paying a mortgage!



Owning a home IS different than renting.







You can create equity and be proud of something when you own a home. You can paint your walls what ever color you want and you can hang pictures where ever you want!


Remember, if someone has told you that you can OWN for the SAME price that you are renting, they are not giving you the entire truth. Your monthly note may be the same as your rent, but that may vary and they are not explaining everything that goes into owning a home. If you have never owned a home, you have to be prepared for the expenses.



Items in a home need to be repaired/replaced over time. This will cost money and if you have not been prepared for this, it can come as a shock. I know many reading this are think Duh, but many ,many people forget this and are not told this by anyone. It can end up costing an owner their home. Homes can quickly become Bills and not a Home.



YOU ALWAYS WANT YOUR HOME TO BE A HOME AND NOT JUST A MONTHLY BILL!



If you are buying a home you should start putting money into a savings account. This is future reserves,not to be used to buy the home. Start small 50 dollars a pay check. If you can do more then do more. It will help in the long run. This will be the savings account used in case something breaks during ownership. It may not be enough to pay for the repair entirely,but it will help.



Not only will things need to be repaired/replaced but taxes and ,as most coastal residents know, insurance can go up.



You could start off with a note that is 1000.00 per month and then after the first year insurance doubles. This will add to your monthly note. Having money in savings can allow you pay this in advance with out increasing your note, or if you can not do it in advance,then you will be use to putting money in savings and you can reduce the amount put into savings, helping to balance out the increase in the monthly note.

Always remember to ask as many questions as possible and if after you buy a home if you have questions call your agent that sold you the home or call your lender. They should always be willing to help get you the right answers.

Kristy

Tax Credits!

Tax Credits!! It is all the rage!

So what is the tax credit you can get if you purchase a home in 2009?

This is the IRS had to say about it.
Expanded Tax Break Available for 2009 First-Time Homebuyers

IR-2009-14, Feb. 25, 2009
WASHINGTON — The Internal Revenue Service announced today that taxpayers who qualify for the first-time homebuyer credit and purchase a home this year before Dec. 1 have a special option available for claiming the tax credit either on their 2008 tax returns due April 15 or on their 2009 tax returns next year.
Qualifying taxpayers who buy a home this year before Dec. 1 can get up to $8,000, or $4,000 for married filing separately.
“For first-time homebuyers this year, this special feature can put money in their pockets right now rather than waiting another year to claim the tax credit," said IRS Commissioner Doug Shulman. “This important change gives qualifying homebuyers cash they do not have to pay back.”
The IRS has posted a revised version of Form 5405, First-Time Homebuyer Credit, on IRS.gov. The revised form incorporates provisions from the American Recovery and Reinvestment Act of 2009. The instructions to the revised Form 5405 provide additional information on who can and cannot claim the credit, income limitations and repayment of the credit.
This year, qualifying taxpayers who buy a home before Dec. 1, 2009, can claim the credit on either their 2008 or 2009 tax returns. They do not have to repay the credit, provided the home remains their main home for 36 months after the purchase date. They can claim 10 percent of the purchase price up to $8,000, or $4,000 for married individuals filing separately.
The amount of the credit begins to phase out for taxpayers whose adjusted gross income is more than $75,000, or $150,000 for joint filers.
For purposes of the credit, you are considered to be a first-time homebuyer if you, and your spouse if you are married, did not own any other main home during the three-year period ending on the date of purchase.
The IRS also alerted taxpayers that the new law does not affect people who purchased a home after April 8, 2008, and on or before Dec. 31, 2008. For these taxpayers who are claiming the credit on their.

I found this article March 3, 2009

This can be found on the IRS website:www.irs.gov . I highly recommend that you do not buy a house based on this tax credit. The rules could change and it can effect everyone differently. Please seek advice from your CPA or accountant. They can advise you as to what will benefit you and what this credit can mean for you in the long run.

Seller Step 1

So you are ready to sell your home.. What should your do?
Step 1:
Getting Yourself ready to sell your home!
As a seller you have to start thinking that you are now the caretaker of your current home. By that I mean, you must care for the home but, not be attached to the home. Seller's need to remember that buyers are not buying your memories, just your 2 by 4's. You get to take all your memories with you.
If you have any special items that trigger these memories and you want to be able to take them with you, you need to take them down before the home is placed for sale. For example if you measured your kids growth on the frame of the door, take that piece of frame down and replace with a new piece. If you do not wish to remove the frame piece be prepared to paint over it.
If you have a special light fixture, take it down now and replace. The same goes for any other items, door knobs,pot racks,curtains,plants,trees and outside items as well.
This can seem over whelming and irritating. A lot of people do not want to see these items packed away until they are ready to move. If a buyer sees these items and they are attached to the walls or ground and there is nothing stating that they are reserved you can have problems at closing. You can also have problems selling the house if the buyer really wants the pot rack and light fixtures that they saw when they viewed the home.
Doing these things ahead of time just makes everything go smoother.

Buyers Steps 5 and 6

So you have your GOOD FAITH ESTIMATES. You have an idea what it is going to cost you, loan wise to purchase a home.

Here are the other cost in buying a home.

You will need a deposit usually 500-1500, depending on the price of the home. This is something that can be negotiated.

You need to have 300-500 dollars for inspections

ALL BUYERS SHOULD HAVE A HOME INSPECTION AND A PEST INSPECTION! IT IS VERY IMPORTANT. Realtors can tell you what is pretty and tell you about resale, but they usually can not tell you if the plumbing is working or if the attic has termites.

YOU ALSO MUST REMEMBER THAT YOU CAN NOT BUY ANYTHING MAJOR WHILE SHOPPING FOR A NEW HOME: NO NEW CARS, NO NEW TVS, NO NEW CHARGES ON CREDIT CARDS and NO NEW FURNITURE!

Step 6

Make a list of what you want. This will be an ideal list. You may not get everything on the list. If you are buying a home with someone have them make a seperate list and number them by most important on each list, then compare. Share each list with your Realtor, this list can change as time goes and as you see what you can get in your price range. Always remember that you have to start some where. This might not be your perfect home for the rest of your life, but as time goes by and you save more and as you create equity you can work your way to the perfect home. NEVER GO OVER YOUR BUDGET!! If you can not afford your ideal house and your are not willing to compromise then just save more money and wait until you feel you can afford exactly what you want.

Buyers Step 3 and 4.

So you made your budget and you where able to see how much you could spend on your New home. You have been saving for awhile and now you know the money in savings won't push your limits every month. You can stilll have heat in the winter and air conditioning in the summer.

Step 3 is to call you local bank.

You need to tell them how much of a note you want. Banks and lenders sometimes approve people for more than they can afford. Banks and lenders do not budget for toliet paper nor heat:)

Talk to the lender about different options. Ask alot of questions.. Never assume that you understand, if you are not clear ask again and again until you understand.

I reccommend to my clients that they go with a fixed rate, that way there are no surprises in a year or 2. It will be the same note every month. The only items that change would be out of the lenders control. Taxes and Insurances can go up and when they go up it will increase your note...

After you ask questions to your bank and you feel understand most of what is going on ask for a copy of your GOOD FAITH ESTIMATE. This is one of the most important documents, in my opinion, in buying a home. You should get a GOOD FAITH ESTIMATE for every loan option that the lender has discussed with you. This documents allows you to do a couple of things:

1. It shows you or should show you in black and white ALL the cost in buying your home. It will also show how much your new house note is going to be. This estimate should only be off by a little bit, not much. The estimate should only flexuate by the new homes taxes and insurance. You should share this document with your Realtor. They can negioate different items for you in the contract to buy the house based on your good faith. Step 4. Is to call another lender ( a brokerage). They can look at some different options through different lenders that some banks can not. You need to ask the same questions. the answer should be the same. make sure you get a GOOD FAITH ESTIMATE from them as well.

This GOOD FAITH ESTIMATE will also help you compare your bank's estimate to the other lenders.

Buyers Steps 1 and 2

So are you thinking about buying a home or has the media scared you from buying one? This blog will guide you through buying a home in this market or any market...

Owning a home is one of the greatest priviledges that an American has, but it is a lot of responsibility!

If you want to own a home and not a BILL now or in the future here is a list of items you should do and consider before you even begin looking for a home.

1. 
   
   
   
   Make a budget and be realistic

Include all the money you spend-- even extra money for fun--

Here is a sample work sheet.

Rent

Car Note

Gas

Car Insurance

Food

Fun

Credit Card Debit

Savings

Health Insurance

Utility bills

Daycare

education

2.Think about how much of a house note you can fit into your budget with out lossing the fun catogory
A good example is: If your rent is 600 and you feel you can pay 1200 in a house note then start placing 600 in a savings account. NEVER TOUCH THIS EXTRA 600 IN SAVINGS. Also include what you would normally but into savings each month
If you can do this then when you find the home you are looking for you will not be in house note shock.