feature1_title = ""; feature1_headline = "The Electronic Side Of Things"; feature1_subheadline = "Real estate transactions require a lot of signatures ... except when they don\'t. Here\'s a look at how e-signatures are changing the game"; feature1_author = ""; feature1_excerpt = " Remember the riddle that asks: If a tree falls in the forest, but no one is there to hear it, does it still make a sound? Well, sound is ephemeral, which is why you can\'t take any serious step in home buying on a spoken word and a handshake. You must sign off on it in writing, often in a formal contract. Now, though, forests don\'t have to fall to lay a paper trail to your new front door. Documents,even contracts, can be electronically sent to your computer. You can then affix your electronic si..."; feature1_date = "2010-08-31"; feature1_banner = "http://content.contentthatworks.com/images_articles/2010/realestate/realestate_20100831_electric_banner.jpg"; feature1_thumbnail = "http://content.contentthatworks.com/images_articles/2010/realestate/realestate_20100831_electric_banner_thumbnail_feeds.jpg"; qa_title = "Ask Our Broker"; qa_headline = "What\'s It Take to Get Modified?"; qa_subheadline = ""; qa_author = "Peter G. Miller"; qa_excerpt = "Question: If we apply for a loan modification what financial information will be required? Answer: Verbal interviews have been widely used to get financial information, however, that\'s changing. For instance, Fannie Mae has issued new guidelines that require the written verification of income, liabilities and monthly expenses for all borrowers seeking permanent Fannie Mae mortgage modifications. If the usual pattern plays out, other loan owners will adopt the same policy. If you want a mortgage ..."; qa_date = "2010-08-31"; qa_banner = ""; qa_thumbnail = ""; feature2_title = "Taxes"; feature2_headline = "Primary Numbers"; feature2_subheadline = "What home you really call home can be a costly decision"; feature2_author = "Marilyn Kennedy Melia"; feature2_excerpt = " If you\'re one of 4.5 million Americans with a vacation home, you may be reflecting on the summer you enjoyed and think: \"This is the place I love best.\" It may be first in your heart, but whether it\'s actually your primary residence is subject to government rules. The distinction can be costly: A primary home qualifies for tax benefits that aren\'t available on second homes. The biggest primary perk is that $250,000 from any gain on a sale ($500,000 for married owners filing jointly) is tax-free..."; feature2_date = "2010-08-31"; feature2_banner = "http://content.contentthatworks.com/images_articles/2010/realestate/realestate_20100831_numbers_banner.jpg"; feature2_thumbnail = "http://content.contentthatworks.com/images_articles/2010/realestate/realestate_20100831_numbers_banner_thumbnail_feeds.jpg"; Stat_title = ""; Stat_headline = "\'Cuse Costs"; Stat_subheadline = "97.2"; Stat_author = ""; Stat_excerpt = " Percentage of all homes sold in Syracuse, N.Y., that were affordable to households earning the area\'s median family income of $64,300. Syracuse was recently ranked the most affordable major metro housing market in the country. Source: National Association of Home Builders/Wells Fargo Housing Opportunity Index"; Stat_date = "2010-08-31"; Stat_banner = "http://content.contentthatworks.com/images_articles/2010/realestate/realestate_20100831_statafford_banner.jpg"; Stat_thumbnail = "http://content.contentthatworks.com/images_articles/2010/realestate/realestate_20100831_statafford_banner_thumbnail_feeds.jpg";