Fiscal Issues & Geeky Stuff

Is the housing market coming out of crisis? or do you think the number of empty homes is having a much bigger impact of the econemy than first thought?

Interesting article

Regards
Nick

Not withstanding that a housing bubble can only be definitively identified at hindsight after a market correction, prudent regulatory policy should be implemented to cool off the property market when the rate of increase in average home prices exceed that of a nation's GDP growth rate.

Property investors and home buyers are advised to do their due diligence before participating in further inflating the bubble which will eventually burst, as a result hurting themselves.

Jeff

This seems to be a worldwide problem. While in India prices are starting to rise again, houses built by property investers are having a continued hard time. Not from just the banks but also the lack of buyers.

Excellent blog post, all the facts in easy to read terms. Escrow does seem theway to go for all concerned.
Nick the property crisis is ending in US although Florida is being hampered by the oil spill

Jeff,
Why is regulatory policy always the key to prevent a free market from making mistakes? The regulatory policy by previous administrations (see Clinton and W) of having a 100% homeownership rate in this country is what really brought this problem on to start with. Loosening lending underwriting guidelines to serve more people is a great way to temporarily prop up the economy, but the harsh reality is that not all Americans should be homeowners. Having renters in this country is a wonderful thing - you must understand this being a property agent. Some people have never paid their bills on time, cannot pay their bills on time, and/or will not pay their bills on time. Those people should never have been allowed to buy a home (read this next part carefully) with NO money down. The financial markets, the rating agencies, the nation's largest lenders, and the nation's smallest mortgage brokers only did what the government allowed. If the government doesn't allow it, then the government doesn't have to "fix" it with more regulation. It is as simple as that. The gov't has rarely ever "fixed" something.

I agree with Jeff. Whilst the UK property market is currently showing the first signs of avoiding the dreaded 'double-dip', diligence is an absolute must on the part of future home buyers and property investors. I am in the commercial property field and this is also waiting with baited breath to see an improvement and responsible behaviour in the future.

Property tax foreclosure will most likely occur if the house is paid off. And if their is any equity in the property....an investor will purchase the property before the state take it. This not the norm in Long Beach, where you have 5 years before the county or state can take the property. But of course the Banks make sure to pay the taxes (2-3 years deliquent) even if the property is not on the market. Today you have some homeowners who are trying to get a loan modification for 2 years. They are also 2 years behind in property taxes (which is the first sign).

The longer term effect being the reduction in assessed value, reducing the future tax base for the municipality.

In my area, the bank foreclosures are at an all time high. It's pretty sad, but the economy is just so terrible. I hope this economy can turn around soon...

Unfortunately in many cases the property tax exemptions fall off of the home and the property tax rate shoots through the roof! Luckily the laws were changed last year so if you buy a home and file for the homestead and mortgage exemptions they will now kick in on the following Spring installment. Your lender will have to set up your escrow account using current tax information but you will be in for a escrow refund and payment reduction in the next Spring installment.

Property taxes are not falling with home values. Homeowners in many states are getting hit from all sides. While real property values have declined dramatically property tax assessment continue at pre recession levels. So you have a house that is now valued up to 50% less than it was 5 years ago but pay tax as if nothing happened. Might make for a good class discussion???

Good article, its difficult to see how we are going to get our of the economic crisis any time soon. The fundamentals of the housing boom was built on cheap and available credit and as far as I see the pendulum has swung to far.

I know in the UK Local Taxes, collected by the local authorities can pursue for your bankruptcy if you do not pay and then believe it or not the Trustee supervising your bankruptcy forces you to sell your home or repossess it.

I think there needs to be a change in the mentality of both the banks and the public. We need to recognize that property is not always a fast, reliable buck to be made, and the banks need to show one hell of a lot more integrity and care when embarking on a professional relationship with their public.

Tax lien certificates are another way of obtaining property we have had success with..If you dont get the property you are at least guaranteed nice returns.

With interest rates expected to stay low for a while, one wonders how many more people will continue to fall victim of repossession or foreclosures as mortgage payments or APR rates are expected to stay low for a while.

However, as far recovering the outstanding property taxes, amazingly they don't affect the sale of a property in UK. However, the seller is liable to pay any outstanding taxes for up to 11 years if authorities decide to pursue the matter.

Excellent and very informative article on the US perspective. Thanks.

Property tax liens always take first lien position, regardless of how many liens are ahead of it. So, it's in the lender's best interest to ensure property taxes are paid, even if the home is in Lis Pendens or has actually been foreclosed on. For if the property taxes aren't apid, they stand to lose a lot more than if they have to pay the taxes themselves.

Very interesting article pointing out a very unique situation. I think one of the ways many people look to buy homes is if the foreclosure is only for taxes. Much cheaper to get possession. It varies by state on how many are available.

Many homeowners are not aware that the county can foreclose on their property if they don't pay their property taxes.

As you mentioned in your article above, lenders take the initiative to pay the property taxes for the homeowner if it has become delinquent because it's perhaps the only lien besides a mechanic's lien that takes priority over a mortgage lien. By doing this, the lender protects their position.

The lender can then initiate the foreclosure themselves to collect the money from the homeowner.

Some states also have something called "Tax Certificates" which the government sells to investors.

A tax certificate is basically an "IOU" for the property taxes owed on a property.

An investor can buy the tax certificate at a government auction and then foreclose on the property on which the taxes are owed.

The problem only reinforces itself. If home prices go down, so do tax revenues. Foreclosures devalue property. So every time there's a tax foreclosure, it reduces neighboring property values and thus revenues.

Property taxes takes precedence over secured liens. Therefore local property tax authorities send out letters to lenders and collect taxes from them rather than the home owner who may not have paid them. This in return gets cycled badly and lenders start foreclosing on the homeowners.

This is what at least tax collectors are doing in this recession to get paid.

Very helpful article. I'm a newbie to the real estate market and am trying to learn all I can.

Thanks!

This is a very good question and one that is debated often.
In Spain for example,it is up to the buyer to make sure all taxes are paid on his new property or else once the deeds are signed, he is fully responsible for any liabilities.
The question at this present time in the US is how much more will property prices drop?
Will this next leg down be much worse than the first wobble and start a never ending cycle.

The problem is only going to get worse. The amount of vacant homes on the market will keep housing values down perhaps for a few more years according to economists.

And if a homeowner cannot pay their mortgage note, paying their property taxes becomes insignificant at this point.

Due to the fact that banks are backed up with the foreclosure process, consumers are now figuring out that they can stay in their homes while making no payments for up to 18 to 32 months before they are forced out of their home.

This mortgage crisis is like none we have ever seen. Since the bailouts are not working, other measures need to be considered in Washington to do more as far as principal reductions or get these people out and get new owners or renters in even at a small up front loss to get income coming in.

As far as those refusing to pay their mortgage or feel they can simply walk away due to their home value being underwater, these ones should not be able to buy another home through the FHA or with any government assisted funding for several years.

I am also glad to see the mortgage fraud task force finally arresting and indicting not only the lenders and mortgage brokers who lied to consumers, but consumers who lied to the lenders about their income and financial history to attain a home they could not afford and should not have bought in the first place.

These fraudulent parties above not withstanding going all the way back to the Clinton administration who created this 'everyone should have the right' to buy a home are the ones taxpayers should now thank for this mortgage debacle.

Property taxes is hardly the issue as long as borrowers are paying above and beyond 30% of their monthly income towards their mortgage payments. Unless housing prices can afford borrowers to stay within these limits..we've got a LONG way to go.

As a Seattle area real estate agent who specializes in foreclosures and buying property at the foreclosure auction for our clients, we always, always, stress that nothing has a higher priority when it comes to lien position than property taxes. If you buy a property at auction, and there are delinquent property taxes, they will need to be paid by the purchaser of the property or they will continue to accrue penalties and interest at steep rates.

The problem is only going to get worse. The amount of vacant homes on the market will keep housing values down perhaps for a few more years according to economists.

And if a homeowner cannot pay their mortgage note, paying their property taxes becomes insignificant at this point.

Due to the fact that banks are backed up with the foreclosure process, consumers are now figuring out that they can stay in their homes while making no payments for up to 18 to 32 months before they are forced out of their home.

This mortgage crisis is like none we have ever seen. Since the bailouts are not working, other measures need to be considered in Washington to do more as far as principal reductions or get these people out and get new owners or renters in even at a small up front loss to get income coming in.

As far as those refusing to pay their mortgage or feel they can simply walk away due to their home value being underwater, these ones should not be able to buy another home through the FHA or with any government assisted funding for several years.

I am also glad to see the mortgage fraud task force finally arresting and indicting not only the lenders and mortgage brokers who lied to consumers, but consumers who lied to the lenders about their income and financial history to attain a home they could not afford and should not have bought in the first place.

I live in a small town with all of its eggs in the auto industry basket. The last few years have been really rough and we have seen several foreclosures due to borrowers unable to make their mortgage payments. We're also seeing businesses and retirees who's pensions have been slashed lose their homes to high property taxes. Hopefully things will start to turn around soon!

The problem is only going to get worse. The amount of vacant homes on the market will keep housing values down perhaps for a few more years according to economists.

And if a homeowner cannot pay their mortgage note, paying their property taxes becomes insignificant at this point.

Due to the fact that banks are backed up with the foreclosure process, consumers are now figuring out that they can stay in their homes while making no payments for up to 18 to 32 months before they are forced out of their home.

This mortgage crisis is like none we have ever seen. Since the bailouts are not working, other measures need to be considered in Washington to do more as far as principal reductions or get these people out and get new owners or renters in even at a small up front loss to get income coming in.

As far as those refusing to pay their mortgage or feel they can simply walk away due to their home value being underwater, these ones should not be able to buy another home through the FHA or with any government assisted funding for several years.

I am also glad to see the mortgage fraud task force finally arresting and indicting not only the lenders and mortgage brokers who lied to consumers, but consumers who lied to the lenders about their income and financial history to attain a home they could not afford and should not have bought in the first place.

These fraudulent parties above not withstanding going all the way back to the Clinton administration who created this 'everyone should have the right' to buy a home are the ones taxpayers should now thank for this mortgage debacle.

In the Central Illinois market, foreclosures are not the overwhelming norm. However, this market never experienced the over-inflated live the good life prices that other markets went through. While foreclosures are playing a role in decreasing the overall price index of this market, the taxing authorities have bot seen the necessity to adjust property taxes.

Thank you for the informative article. We have been extremely hard hit here in California by the housing crisis and foreclosures continue to increase. What I wonder is why rents don't follow suit. If the cost of housing continues to decline, why don't rents plummet as quickly as they escalated when the bubble was pushing home prices through the roof?

ep

Your article shows that the state or government, will always get their tax money. With regard to the housing market and the bubble, that broke, and the economy as a result, is what happens in free enterprise.

If we start making to many rules then what happens to freedom that we value so much by being in this country.

The market will correct itself, and people will always make money in real estate, and some will always loose money in real estate.

oh yes they will always get their taxes no matter what, but...these folks going to foreclosure have signed documents basically setting in stone the obligation to pay these taxes from day one

Very interesting information, didn't realize the intricacies of foreclosures and property taxes. This is certainly something I'll have to explain to prospective clients.

One of the drawbacks of the current housing market and numerous foreclosures is the reduction in tax revenue for local governments.

This inevitably results in increases in police speed traps and other radical options by local governments to make up the difference in revenue.

In response to Nick. The outlook seems to be that there may be another drop coming soon. This could be for 2 reasons, one is that the housing values are still too high for the rate of inflation.

Two would be because there are still a lo of people struggling to make their payments.

I think that part of what is hurting those facing foreclosure is that there are so many companies offering services that can hurt more than help.

Same thing with some of the credit consolidation places. Often times they hurt more than helped.

Great job on the post by the way on sorting out the tax differences.

And of course, avoiding foreclosure by getting a loan modification, usually means a lender will including coming current on taxes as a part of the resolution. Free on-line class is loaded with practical information for homeowners, "Loan Modification Explained in 15 Minutes. Recommended by the Center for Sound Consumer Advice Inc

I agree with the above comment. We are in a "recession" right now but just as every other recession more people are becoming millionaires that before the recession! I am not talking about the banks and corporate fat cats, I am talking about the average person who steps out of the box, sees the incredible opportunity, and takes advantage. Yes the government always gets paid and no they are not looking out for our best interest but that does not mean we can't look out for our own and take advantage of the times!

Once I was snowboarding and I was going faster then I had ever gone before and I accidentally went over a ramp did a flip and smashed my head.

I wasn't aware of the two types of foreclosures. Here in California there is so much REO and foreclosures happening that a lot of counties are struggling since no one is paying their property taxes along with the mortgage.

I didn't know there were two types of foreclosures. You know, your article explains a lot of stuff. Thanks for sharing.

Regards,
Kevin

When i bought a new home recently for 30000$. This was fixed by the lender after agreeing to 28000$. The additional 2000$ was for the due property tax. I really dont know why the lender tries retrieve the 2000$ property tax from the new buyers.

Thanks
Collin paul

This is great information to learn for those looking to get into foreclosures as a business. Yes, many people are hurting for jobs right now, but if you can educate yourself and buy and sell foreclosures you can make a lot of money. Thank you for your research and insight!

These are very interesting comments.

As mentioned in a number of the comments, the property tax digest goes down as the home values decrease because of the rash of foreclosures.

The government is trying to stem the tide of this cycle by trying to keep at risk homeowners in their homes with home loan modification programs such as HAMP.

For the homeowners whose houses are losing value help is on the way. The Neighborhood Stabilization Program (NSP). It is a program that provides grants to the states to purchase and redevelop foreclosed and abandoned homes.

Hopefully these programs will benefit the public by keeping them in their homes and reviving the home values and tax digest to normal levels. Then we won't have to worry about the problem that was stated in the post.

Property tax is not really the reason why homes go into foreclosure, it's the over financed mortgages and ARM adjustments

As always happens in times like this (one mans meat is another mans poison) their will be more millionaires being made, its just a fact that a recession is a time of opportunity for the out of the box thinkers. Read my story on how this can work its an odd ball idiots guides way to get on the millionaires list

Its just the same old story again: the rich get richer and the poor gets poorer. It's sad sad sad when you hear about folks loosing their homes!

darn it , i figured that you were planning to put together a certain decisive wisdom towards the bottom at that point, not leave it declaring ‘we give this to you to make the decision ’.

I heard from a friend that real estate is one of the causes of recession

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It is interesting to note that while this article was written in Feb 2010, it still attracts attention in Oct 2010. Maybe because it echoes so many of what the people believe in?

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Really insightful information; I've never fully understood the details of foreclosures and property taxes but after reading this I'll definitely be looking into this more.

We have experienced these same types of cycles in the economy and have weathered it. We will weather the current cycle.

In Canada, the house is usually free of all liens or encumbrances before final purchase, and if neither the seller or buyer wants to remedy this then the buyer can walk away

It’s when people over borrow or lose jobs so can’t pay back loans, it’s a fact of life, and yes like some of the comment above i agree it is sad when people lose their homes and that the rich get richer and the poor get poorer, but it’s an opportunity for all of us in the economy with property price at rock bottom we can surely find good investments ourselves especially in overseas property investment and this is what I have been doing, Brazil land for plots with full planning permission on an up and come resort called Tambaba Country Club seems to be a good choice to me as it low cost, low risk and high returns.

This is without a doubt a worldwide problem, because whilst in some countries prices are starting to rise again, property investers are still finding it difficult. In the UK it looks like another big fall in values might be coming..

Yes it seems we are taking advantage of the people that have been less fortunate as to lose their homes but if you have any ability to invest, now seems to be the time. There are so many books, magazines, etc out there that can help you make the right decisions with your investing.

As a number of State agencies housing finance have been occupied upgrading their 2011 qualified allocation plans, housing finance affordable and recently asked readers what they would like to see in the allocation of housing tax credits in 2011.

Given the current budget issues faced by so many governments in the U.S. these days, one wonders if local governments are going to become even less tolerant of taxes being in arrears? This issue of the rights of local governments and of banks to act to retreive their money could become much bigger as time goes on.

Great blog - in response to a feedback here, the UK property market is not out of trouble yet. With so many job cuts we are heading into another recession and falling house prices.

The bottom line is that an investor is just that; they are not out to hurt anyone or to take advantage of their bad fortune. When a good opportunity to invest presents itself, acting on it is only the smart thing to do.

I think one of the biggest contributor of recession is realty business, because the government gives raise the realty appraisal choking the home owner creditor so they return their house loans to the realtors

Thank you for the informative article. We have been extremely hard hit here in California by the housing crisis and foreclosures continue to increase. What I wonder is why rents don't follow suit. If the cost of housing continues to decline, why don't rents plummet as quickly as they escalated when the bubble was pushing home prices through the roof

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In Response to Sell House Quickly, I agree that the "UK property market is not out of trouble yet."

Octobers sharp fall in UK house prices confirms this and increasing inflation is a concern. I doubt the UK will fall back into recession as confidence has been restored into the markets via the Governments reigning in on excessive public spending but time will tell.

UK homeowners are also in a position where they are enjoying record low interest rates. I personally would not sell my house quickly as it would be great time to buy if you had access to the funds! Especially in light of falling house prices...BUY, HOLD...then sell in two, three years time in a better selling climate.

On the issue of rent prices coming down in proportion to home prices, I think its an issue of supply and demand. Here in Ohio, landlords can be very choosy in who they rent to and get the prices they want.

The longer term effect being the reduction in assessed value, reducing the future tax base for the municipality.

The flipping homes craze and buying homes with nothing down has really come to a turning point and has left many people in a crunch. Having all of the empty, foreclosed homes on the market is definitely affecting people, both negatively (and for those who can purchase those empty homes) positively. Thank you for the interesting article, it brings up a lot to discuss and ponder!

Escrow / mediator seems to be like a good way of moving things forward whilst keeping them under control. The problem with defaulting is really an issue to be taken seriously. With aftermaths such as those seen in ireland throughout 2009 and 2010, states should take what they can from the lesson and find ways to protect all interested parties to avoid such situations in the future.

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I'm actually the bank imposes an escrow on me so I don't have to cough all the money up at one time.

I will just be glad when the property values and home prices come back up so people can sell their homes instead of getting them foreclosed.

I am not familiar with the processes and taxes regarding banks or government policies. You made a very detailed instructions here but, I really don't have time to explore all this stuff to get to the best decision. Is it best to get a financial advisor?

A very interesting article especially as i'm the owner of more than one property. Hopefully the property market will see an increase in value in the near future. The economy can start growing again and homeowners can stop worrying about there homes being reposessed.

The only people buying houses right now are smart investors who happen to still have the money to invest. The economic downturn and housing bubble bursting has hurt the masses and again is allowing the rich to get richer. However it can be said that many of those who have gotten hurt did bring this upon themselves to some degree.

There are some really great comments on here and it is sad to hear that the U.K. is having as much of a housing market problem as we are here in the states.

The true indicator that the economy is really on its way back is going to be construction loans availability. Currently only a handful of national banks are offering construction loans for residential homes.

Hmmm, in fact my personal opinion is that making people to buy houses using bank loans makes all of us...financial slaves. We are all dependent on fincancial corporations (read banks) and the laws can leave us on the street by applying foreclosures.

It's a good idea to contact your lender immediately to discuss about your problems on payments and try to work something out. Surely lenders have programs available to help homeowners w/ financial difficulties. You may also try consulting Short Sale agent that can possibly help stop foreclosure on your home.

Where I live the tax is held in escrow. But make sure that is the case where you live. Because it is different in each state.

Owning rental property is a great wealth building tool. Less well known is the fact there are also rental property tax advantages.

Because the property tax is secured by the property, the tax has a high compliance rate. Property owners pay more than 95% of the tax levied--very few owners do not pay their property tax. Those that do not pay have up to 3 years to redeem their property by paying the tax, plus penalties and interest.

Dr. Zhao, thank you for the great insights. Many of our home sellers (especially short sale) understand that back taxes have to be resolved FIRST prior to transferring title to another buyer (that's one of the first liens that has to normally clear). As for contesting your tax assessment, home owners typically have the opportunity to do that yearly when they receive their tax bills in November. We offer free valuation reports for Portland Oregon at www.Listed2Sold.com, click on the header graphic "How much is your home worth right now"

The only reason credit looks OK is that the bailed out banks are paying the property taxes on the foreclosed properties, not the owners

Regulation is one of the primary means by which government shapes the environment in which businesses operate.

This is a really informational article. I am just new to real estate marketing and I'm browsing the web for information. I find that this is a great and detailed article that clearly explains the difference between property and bank foreclosures as well as the taxes involved. Thanks for the info.

Thanks for the post! Sellers of residences acquired within the past two years or so are going to incur losses. Even assuming no price declines, losses will result because of expenses for real estate brokers, lawyers and the like. Sellers will not be able to deduct those losses.

In Singapore, property prices are sky high, and property taxes are based on the valuation. Despite the pricing, the property market is still very active.

I think we have got some useful information here about taxes. Tax seizures are properties that were excluded because of unpaid taxes, whether property taxes.

Well as we know a lot of people suffered because of the credit crisis and a lot of people in America lost homes especially in areas that were affected very badly like Detroit for example where property prices hit rock bottom and rumours were flying around that you could buy a house for $1!!! In some areas, obviously the property probably had debts on it and need a lot of work as well as the areas being run down etc….

However now March 2011 things are looking up and again especially for Detroit, Experts now suggest that Detroit is now one of the best cities in the world to invest in property, prices are still low and investors can benefit from the increase in manufacturing that needs to happen as the West balances world trade. Factories in Detroit are expanding production and employing new staff.
• In the state of Michigan, 6000 additional jobs are being created every month
• 5% of all new manufacturing jobs created in America this year have been in Detroit (highest of any city in America)
• New GM Volt being manufactured in Detroit

I have done some research and Investors from around the world are capitalising on houses with discounts of 65% from their 2006 values. Detached starter homes in desirable suburbs near the city can be purchased for as little £22,727 ($37,500) and are available pre-tenanted bringing in a gross rent of upto £545 ($900 per month).

Good comment Marco, this should encourage people that things are starting to look better and I agree that the current Detroit property is very encouraging.

I agree with Jerry. We need to take a closer look at the banks. And property tax is 2 high imo.

Great post, this will really help my clients out

Inspiring, maybe I start to do something

wow! this is a very informative post. I will try to take this on board for future client one on ones. AWESOME! Thank you!

wow! this is a very informative post. I will try to take this on board for future client one on ones. AWESOME! Thank you!

What is clear is that the Government seldomly is going to loose any money.

Your description, anyways, is accurate. Banks usually have too much equity in the property to let it go because taxes. However, lately, more banks have decided to let go of the properties as these properties have very little equiyt due to the declining in home prices.

It tends to be an individual decision.

One thing I want to say, this is only occurs when we are not able to pay taxes and this condition is only then comes when either we over borrow or we lose our job/crash our business due to any reason. In this way, a rich person gets richer and a poor gets poorer. I think its not a good thing.

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In Illinois, the real estate taxes must be paid by either the homeowner or the lender. Otherwise, a tax buyer can purchase the taxes and then receive a deed if the taxes are not redeemed. The County will eventually recover all of the tax deficiency, either by the homeowner, lender or tax buyer.

You will have not meant to do so, however I feel you could have managed to specific the way of thinking that a lot of people are in. The sense of wanting to assist, however not figuring out how or where, is one thing a lot of us are going through.

Very interesting and enjoyable, thanks for sharing
Unfortunately property taxes are not decreasing at the same rate as home values.

Ah, a refreshing and insightful article. It is my firm belief that banks need to be more aggressive in their regulations to prevent the kind of housing bubble that caused the recession a few year ago.

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Foreclosures in the Tampa bay area are really bad! People need to understand the process and what is included in their property taxes when the time comes. Good post!

Thank you for putting these posts up.This is just what I’ve been looking for.

Thanks for talking so authoritatively on the subject matter at hand. I learned quite a bit.

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This really has been a global problem and one that is still growing. It won't settle down for a significant time and the banks must start lending again but only to legitimate places who will be able to pay back the loans. Great article, thanks.

This is news to me. One of my friends is going through this right now and totally misunderstands how property taxes work in a Chapter 7.

This was helpful info - I'm forwarding it to him now.

John, if you see this comment... I told you so!

I think that the banks are the ones responsible for the housing market crash. The big banks just print money out of thin air, so eventually some has to pay the piper so to speak. This debt can't go on forever.. Pretty scary....

In Toronto, the real estate taxes must be paid by either the homeowner or the lender. Otherwise, a tax buyer can purchase the taxes and then receive a deed if the taxes are not redeemed.

Thanks for sharing! the post providing clear explanation and it's easy to understand.

I do think that the current housing crisis will end soon and the prices will go up again. on the bottom line I think that this is the time to buy (if you have the money of course).

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Interesting article. I knew there where two types of foreclosures, it is interesting how states handle things differently.

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Unfortunately property tax as with any other tax is a fact of life.

Dave, I agree with you, that loans make us financial slaves, but there is not really any other option...the key is common sense. Our culture is a consumer culture, and people need to learn not to spend on what they can't afford!

You would think we pay enough taxes but no its a never ending stream including property tax . But having said that property is well worth investing in.

Unfortunately property tax is something we have to pay but that shouldnt stop people from investing in houses. Great post many thanks

Great post. Yes we are slaves to our finances but houses are still a great investment for the future.

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It is such a blessing that the housing market is headed in the right direction again. Thanks for the great post.

Foreclosures are the reason my business has doubled in the past year. I'm in the temporary housing business - mostly for military and business related instances but now because of foreclosures. Just my 2 cents...

Property investors and home buyers are advised to do their due diligence before participating in further inflating the bubble which will eventually burst, as a result hurting themselves.

Thanks for the information. It should be a warning to the people out their who don't pay attention to their taxes.

Tax should be payed on time if not, You'll end up broke. Good thing there are people like you whou blog about it so people will be aware of it.

This is a very good question and one that is debated often.
In Louisiana for example,it is up to the buyer to make sure all taxes are paid on his new property or else once the deeds are signed, he is fully responsible for any liabilities.
The question at this present time in the US is how much more will property prices drop?
Will this next leg down be much worse than the first wobble and start a never ending cycle.

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John, what area of the country does your sister live in?

Who's to say what's right or wrong in this situation. What's important is that people don't get hurt in the process.

People just don't understand how hard it can be sometimes to have to pay for all these taxes.

I really believe in this story. Keep up the great work!

At some point I was literally shaking in my seat, that says a lot, coming from me.

The worst part is that most homeowners aren't fully aware of how all of this works. And that only compounds their problems in the end.

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Great insights about foreclosures and property taxes.These terms are all new to me

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The issue of taxes has me wondering why a bank holds on to property for a long time instead of selling at a lower price where their expenses would stop.

I've seen instances near me where they hang on for a year over a mere $10000. And the taxes were close to that.

Could it be they figured out a way to foreclose and not pay taxes on the property?

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well how hard it can be sometimes to have to pay for all these taxes.I just don't understand.

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The buoyancy of the housing market is one indicator of the overall health of the economy. So until that picks up again we will not getting back the "feel good factor".

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It's a sad thing when a house get foreclosed.

If you can afford a home than don't buy one. I remember years back looking at these College kids buying 500k homes. And what where they making ? $ 35k a year. What did they think was going to happen. DUH....

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The worst part is that most homeowners aren't fully aware of how all of this works. And that only compounds their problems in the end.

Unfortunately, due to the huge surplus of foreclosed properties on the market it's going to be quite a while before this problem shakes itself out.

Its just the same old story again: the rich get richer and the poor gets poorer. It's sad sad sad when you hear about folks loosing their homes!

Thanks for sharing this information. We the people are getting gouged worse every year, for trying to better ourselves. I believe that at some point in the future we’ll be in a low enough bracket to take advantage of the lower cap gains rates, and they'll going to roll back the gains tax again, I think it makes a lot of sense to take the profits this year and re-invest the after-tax amount at the new basis.

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Dear Father Barron, Here is a question I often ask others, "Were you born on your birthday?" Normally it doesn't take long to consider the question, but then I follow with, "that's nice because 60 million Americans have been murdered on their birthday through state sanctioned surgical abortion!" Thank you for all you do,
William A. Nelson

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You are a complete IDIOT!! I have read the bill and the onlly people who will benefit are the losers..like welfare moms who won`t work,the illegals, oh and the gov. will even pay for someone to speak to them in their lang. so they will understand, and the elderly who are the ones who have paid into to it all these years what do they get?? well for sure they have to meet with someone from the gov. to make sure the understand end of life options!! at least every 5yrs.

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One thing most of these people seem to forget is that THE ONLY REASON THEY CAN ENJOY THEIR LIFESTYLE IS THAT THE REST OF US ALLOW IT. Let them go to any Muslim country and make a point of being gay. See just how long they would last there.

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This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like 'Mixview' that let you quickly see related albums, songs, or other users related to what you're listening to. Clicking on one of those will center on that item, and another set of "neighbors" will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune "Social" is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.

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Laughter is the closest thing to the grace of God. ~ Karl Barth

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Thought I might contribute this "If most of us are ashamed of shabby clothes and shoddy furniture, let us be more ashamed of shabby ideas and shoddy philosophies... It would be a sad situation if the wrapper were better than the meat wrapped inside it." - Albert Einstein

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