Homesorg Published Mortgage Rates Update

(PRWEB) May 19, 2012

Homes.org mortgage report is delivering good news to those wanting to refinance or buy a home. When it seemed mortgage rates couldn?t get any lower, the average drops below 4% for the first time since Bankrate began surveying lenders. The 30-year fixed rate mortgage decreased by 5 basis points while the 15-year fixed rate remained unchanged since last week.

Current interest rates are:

3.97% – average rate for a 30-year fixed rate mortgage

3.20% – average rate for a 15-year fixed rate mortgage

Americans can thank the Eurozone?s shaky economic situation for extremely low interest rates that seem to have no floor. But now the question is, ?can rates hold at this record low rate, or will they begin to trend upward?? There are a variety of economic reports out this week that could have an impact. Below is an overview of this week’s most important economic activity.

Tuesday: April Retail Sales
Tuesday: Consumer Price Index
Wednesday: April Housing Starts
Wednesday: Fed Meeting Minutes

In an economy where spending accounts for 70% of the activity increases are a good thing. Experts were expecting very small gains to the tune of 0.2% and that?s exactly what they got when volatile gasoline sales were taken out of the equation. It?s not a very strong start of the second quarter.

And what about inflation on those things people are buying? The Consumer Price Index found measurements for April were changed since March when there was a 0.3% rise. The flat rate is being contributed to gas priced which dropped during April. However, the 12-month ?core? value, which factors in food and gas, has 2.3%. Slightly higher than the Fed?s 2% inflation comfort zone.

There was good news in the April Housing Starts report after a few months of disappointing numbers. Homes.org will be providing full coverage and comparisons of housing starts in a special report tomorrow.

Due to the low level of inflation in the Consumer Price Index and the weak consumer spending, the Homes.org mortgage team is predicting that mortgage rates will stay flat this coming week for both 30 year fixed-rate mortgages and 15 year fixed-rate mortgages.

To find more information on mortgage rates, new home listings and real estate agents, please visit: Homes.org

About Homes.org

Homes.org is a fast growing real estate search portal that offers users much more than MLS listings. Homes.org gives users access to a rich collection of resources, including but not limited to, real estate listings, home owner finance tools and home service tools. Homes.org brings buyers, sellers and renters important information about the current markets and intelligent tools by partnering with real estate professionals from around the country. Homes.org is a subsidiary of Star Nine Ventures, Inc. headquartered in Austin, TX.

About Star Nine Ventures

Star Nine Ventures is an Austin-based, marketing-driven venture creation company targeting a wide range of national business-to-consumer online marketplaces. Star Nine’s core mission is to build businesses that provide exemplary consumer experiences and unparalleled customer service.

Robert Ludlum’s The Moscow Vector (Covert-One Series #6)

The #1 bestselling master of suspense and international intrigue continues to set the standard against which all other thrillers are measured with his expertly plotted, pulse-pounding Covert-One series.THE MOSCOW VECTORAt an international conference in Prague, Lt. Col. Jon Smith, an Army research doctor specializing in infectious diseases—and secretly an agent attached to Covert-One—is contacted by one of his Russian colleagues. Dr. Valentine Petrenko is concerned about some unexplained deaths in Moscow, and the government’s refusal to go public with any information about the outbreak. When the two meet, they are attacked by a group of mysterious men. Petrenko is killed, and his notes and medical samples are lost. Smith barely escapes with his life.“Reading a ludlum novel is like watching a james bond film…slickly paced…all-consuming.”—Entertainment WeeklyMeanwhile, a series of government officials around the world are coming down with a fast-acting virus with a 100% fatality rate. These deaths are somehow related to the increasing militarism from the new Russian government, headed by the autocratic and ambitious President Victor Dudarev. With few clues and precious little time, Smith and Covert-One must unravel this vicious plot and find who—or what—is at the center of it all. Before it’s too late…

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Jim Pope Re/max

Jim Pope – RE/MAX Reviews

Bellingham
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Average Rating: 5 out of 5 (4 Reviews)

Review by Lori R.
I can highly recommend Jim to anyone looking to buy or sell real estate in Bellingham or any of the surrounding areas. His knowledge of contracts,…
Rating: 5

Review by Kelly V.
I’ve seen Jim interact with clients, I’ve seen him bend over backwards for them, and even though I didn’t use Jim Pope when we bought our place (had to go…
Rating: 5

Review by Dan P.
I had a great experience with Jim as my realtor.

Throughout the process of finding my place, I could tell that he really likes being a real estate agent….
Rating: 5

Sean Ryan – Muljat Group Realtors Reviews

Bellingham
510 Lakeway Dr
Average Rating: 5 out of 5 (2 Reviews)

Review by Kim V.
I never actually bought or sold a house through Sean, but I did ask him to research my house to see if it was a viable option to sell in a tough market….
Rating: 5

Review by Jennifer G.
My husband and I LOVED working with Sean. We were able to get a great price for the house we were selling, even in this tricky market. Sean always…
Rating: 5

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Getting Published Finding An Agent

Getting Published: Finding an Agent

Article by Vanessa O’Loughlin

Getting Published: Finding an Agent – Publishing – Writing

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Getting Published: Finding an Agent

So your book is finished (and polished, re-written, re-written again and has been read by some people who dont know you personally); now you want to get it published. An agent is not an essential part of the publishing process, but if you want help negotiating your publisher contract or selling the foreign rights to your work, an agent is essential the amount they will save you (or in fact earn you), with a good contract will far exceed their 15% fee.

Publishing is a business, and to get into that business you need to be businesslike and do your homework. Think of submitting your manuscript to an agent as applying for a job. Approach it like any other job, professionally and methodically and keep detailed lists of who you have sent what to, with the dates you submitted. If you dont hear back, follow up your submission with a phone call.

Many US agents prefer a query email before you physically submit work, and they will tell you if they are interested. Details of what each agent expects will be found on their website. Follow these to the LETTER. The agent is someone you will have an ongoing business relationship with and failing to read their guidelines paints you in a poor light. If you cant follow basic instructions will they have faith that you will be able to fulfil your contract and deliver your next book on time and to specification?

Today it is acceptable to approach more than one agent at a time, but make sure you have made it clear that you have approached others in your initial contact.

So how do you find an agent?

Many authors have found their agents simply by going down to the bookshop, looking for books like the one they have written and reading the acknowledgements at the front. The vast majority of authors will mention the name of their agent in the acknowledgements, and if you make a note of their name, you can track down their agency via the Internet. Finding an agent this way means that you will be approaching someone who is interested in your genre and, importantly, who has successfully placed a book for someone else.

A list of Irish agents and publishers can be found in the Getting Published section of the Writers Toolbox on writing.ie. For a list of UK agents check out the Writers Handbook and The Writers and Artists Year Book. Similar directories exist for US agents, and the brilliant website Predators and Editors website will give you a detailed list of who to steer clear of.

It is essential that whoever you approach handles your genre. There is no point in sending a Mind Body Spirit non-fiction book to an agent who specializes in childrens fiction. It will be rejected and it wont have anything to do with whether the book is well written or not.

When you have identified who to approach, write an author profile of yourself. Today marketing departments are instrumental in deciding which writers publishers will take on. Make yourself saleable think of ten things that the agent isnt going to know about you when they first meet you, but that a marketing department could use to promote you. Use this list to write your author profile.Look at ways to connect with people, through blogging, Twitter, Facebook, writing for your local newspaper or contributing to local radio the more connections you have, the more marketable you are. Include these in your author profile. Make yourself attractive as a prospective client.You can use your author profile to help you write a query email, a covering letter or supply it in full to an agent. It is: Not your life history the agent doesnt want to know where you were born unless its significant, interesting or out of the ordinary. Not a story use the third person and be succinct Use the most interesting points from your 10 point list Be positive in all your phrasing Include publishing credits/education/what you are doing now Include any social networks you are a member of you blog/Twitter ID Show how you are serious about writing mention events/workshops/courses you have been too

Remember, if an agent like the look of your work, the first thing they are going to do is Google you, so be very careful what you have said on the web/what impression the results create. Google yourself to be sure nothing inappropriate turns up.

What do you include in your query email/covering letter?Make sure it is: Personally addressed check the name of the agent you are approaching, DO NOT address it to Dear Sir/Madam or to Dear Mr. Curtis Brown. If you are emailing, ensure that the email address is one that works and include your telephone number just in case. Make sure your email address is professional. What you consider a funny or amusing address may stop the agent before theyve even opened your message. Be polite and respectful. Be brief and to the point Dont start with a question that the agent might answer no too have you ever wondered? Your covering letter should be more about the book than about you. Do NOT say it is the next Harry Potter or Da Vinci Code, but you can say that you might hope to emulate/write in the style of a particular author. This will give the agent an idea of where you see your book falling in the market. Do NOT say your mum loved it. DO say if youve worked with an ex-Penguin Editor on it. Show you can write ensure there are no typos, tangled sentences or waffle – or the agent may never get passed your covering letter. Only pitch one book. Your book might be part of a trilogy, but thats not the most important thing about it if you cant sell one book, you wont be able to sell the other two. If you are submitting hard copy, make sure it is beautifully presented. NO coffee rings or paw prints. Use good quality paper and ensure that your contact details email AND telephone number are on every page of your manuscript in the header or the footer. Make sure you have numbered the pages.

Dont put all your eggs in one basket. Have a submission strategy, plan the next move before youve even posted your submission and always have the next project underway. Enter competitions; always have enough work on submission that the next letter through the door or email could be the YES youve been waiting for. Be positive, be forward thinking.

Good Luck!

About the Author

Vanessa O’Loughlin is the founder of the Irish national writing resources site http://www.writing.ie and runs Inkwell Writers Workshops, bringing best selling Irish and UK authors to one day fiction writing workshops. She is the PRO and Newsletter editor for Irish PEN. Vanessa has been writing fiction for over 10 years and is represented by Curtis Brown, London.

Vanessa’s eBook ‘Bringing the Dream Alive: Writing to Get Published’ is now available on Kindle and through Smashwords for less than the price of a cup of coffee. It could be the best $ 2.99 you ever spent!

Use and distribution of this article is subject to our Publisher Guidelines
whereby the original author’s information and copyright must be included.

Vanessa O’Loughlin

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How To Land And Keep

How To Land (and Keep) A Literary Agent
The First Book Written From An Active Literary Agent’s Perspective To Teach Authors Why Agents Reject Manuscripts And Offers Them Dozens Of Resources To Help Them Find The Perfect Agent For Them. Written By Veteran New York Literary Agent Noah Lukeman.
How To Land (and Keep) A Literary Agent

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The Publishing Game Find An

Find An Agent on eBay:

The Publishing Game: Find an Agent in 30 Days, Fern Reiss, Good Book

US .98 End Date: Tuesday May-22-2012 12:35:26 PDT Buy It Now for only: US .98 Buy it now | Add to watch list

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Abandon

Abandon

On what is supposed to be a quiet long weekend in New Hampshire, Deputy U.S. Marshal Mackenzie Stewart is viciously attacked at the lakefront cottage of her friend, federal judge Bernadette Peacham. Mac fends off her attacker, but he manages to escape. Everything suggests he’s a deranged drifter—until FBI special agent Andrew Rook arrives.With Rook, Mac broke her own rule not to get involved with anyone in law enforcement, but she knows he isn’t up from Washington, D.C., to set things straight between them. He’s on a case.As the hunt for the mysterious attacker continues, the case takes an unexpected turn when Mac and Rook return to Washington and find Bernadette’s ex-husband, a powerful attorney, shot to death. Then Bernadette disappears, and Mac and Rook realize the stakes are higher than either had imagined, and a master criminal with nothing left to lose is prepared to gamble everything.

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