mother and daughter: 1966 Inderbitzin Way, Manteca, CA 95336 - 01/09/08 01:41 PM
For FREE MARKET EVALUATION of your home visit http://www.motheranddaughterrealty.com/
Check out my Mother and Daughter Blog for other tips for Sellers and Buyers. I work with my daughter as the Mother and Daughter Real Estate Team and we also focus in Short Sales and the Pre-Foreclosure process. Our consultations are free. … (4 comments)
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mother and daughter: 369 Gamay Court, Manteca, CA 95336 - 01/09/08 11:37 AM
… (6 comments)
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mother and daughter: What a Short Sale is ...N O T! - 01/04/08 10:03 PM
A short sale is when you owe more than your home is worth AND you list and receive a formal offer that is approved by the lender BUT it is for less than what you owe on the mortgage.
And BEWARE of verbal agreements. Get it in writing... the only way … (30 comments)
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mother and daughter: Sample letter: Requesting Short Sale Approval from Second Lien holder - 01/01/08 05:49 PM
OK here's the situation: You have 2 loans - for the purpose of this example lets give them names: (Mort =First Loan) and Gage = Second Loan): This example is for those of you that have Two different both lenders. Mort(1) tells you that they will not be able to approval a short … (6 comments)
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mother and daughter: Falling Short? Know your mortgage type and the guidelines! - 01/01/08 02:40 PM
It is important to know what type of mortgage you have so that you know what to expect. The guide lines varies depending on the type of mortgage you have.
This information is so valuable to you to know what type of mortgage and what the guidelines are if there are … (0 comments)
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mother and daughter: The Raw Facts on Default, Pre-Foreclosure, Short Sale and Foreclosure - 12/30/07 12:42 AM
Below is a list of power-packed posts filled with informational facts about being in Default, finding yourself in the pre-foreclosure process and having to do a Short Sale and some helpful tips on how to avoid Foreclosure. By reading this information you will know the timelines, procedures, advantages and disadvantages of … (13 comments)
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mother and daughter: Can't afford your ARM Adjustment? Ask your lender for help. See sample letter. - 12/28/07 02:57 PM
Here is possibly a pro-active way to help prevent getting into foreclosure and also will help the HUGH ongoing Foreclosure problems in California's ~ San Joaquin, Stanislaus, Alameda Counties and the surrounding areas. Having the #1 Foreclosure rate coming right out of Stockton and with Modesto following with the #2 spot, contact … (8 comments)
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mother and daughter: Buyers do not ....out negotiate yourself! - 12/27/07 03:07 AM
Buyers do not out negotiate yourself! Don't get greedy. Don't pay more for a home because of a "small" incentive that you can get yourself later. Go for the bucks that you can save.
When you are out there looking at homes in the San Joaquin, Stanislaus, Alameda, Contra Costa counties … (16 comments)
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mother and daughter: Sidetracked Buyers? - 12/26/07 06:03 PM
This information provided by: ROSEMARY BROOKS ~ the Mother and Daughter Realty Team @ Perfect Financial Solutions 866-750-8282.
Buyers in the San Joaquin / Stanislaus, Alameda Counties and the surrounding areas ~~ Don't get side tracked in your home search venture. Keep your home search within the lines of control and stay on the highway … (2 comments)
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mother and daughter: How do you balance a quick sale for top market value? - 12/23/07 04:22 AM
Before you set the sales price of your house, here are some steps that you need to do:
>> Understand that Market conditions will play a role in setting the sales price of your house.
>> Get an agent to run a Comparative Market Analysis (CMA) that will show the listing price of similar … (2 comments)
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mother and daughter: City, County, State.... what are they doing? - 12/17/07 09:13 PM
What is your City, County or State doing to help the foreclosure problems?
What are the stats for foreclosure in your City, County, State or coverage area?
My major city of coverage is Stockton, CA. I found lots of good news on the website on what Stockton is doing to educate people … (2 comments)
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mother and daughter: Who inspired you in 2007? - 12/17/07 11:20 AM
Reflecting back over 2007 and some of the touching moments, the influences, the mentors and memories that will always be kept near and dear to me.....
This year has been to say the least "a trying year", however, here at the end of the year I can still see the blessings that … (10 comments)
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mother and daughter: Know your buyer's intentions before accepting the offer...... - 12/16/07 03:58 AM
Whether your listing is in Stockton, Sacramento, Manteca, Livermore or Los Angeles California. Whether it is Northern California or SoCAL, the rule is the same. And it is important that you know the buyer before you accept an offer for a short sale.
Well.... you don't have to actually know them, but … (2 comments)
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mother and daughter: Buying a home made easier - 12/12/07 12:29 PM
Some Buyers who don't have a 20 percent down payment are finding it harder and harder to buy a home. And with the news media keeping the headlines a bit on the negative side to get your attention.... I wanted to try to help reassure you that there are ways to … (9 comments)
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mother and daughter: What's going on in Stockton for the rest of December - 12/12/07 10:40 AM
Stockton Activities for the rest of December. San Joaquin Central Valley, Come One Come All!
Ice on the Delta!November - January
>
MERRY CHRISTMAS to you and your family & Friends!
the Mother and Daughter Realty TeamPerfect Financial Solutions - We care about our clients Tel.: 866-750-8282Fax: 209-879-4601http://www.motheranddaughterrealty.com … (0 comments)
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mother and daughter: Why look for a new home now? - 12/11/07 09:43 PM
San Joaquin - Central Valley - Stockton
Buyers
Here are a just three of the reasons you should be buying a home right now!
The times are ripe - right now!
1. Interest rates are at historic lows. 2. Home prices are favorable.3. More options and more choices of homes available.
Buyers just … (6 comments)
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mother and daughter: Christmas Traditions - 12/11/07 06:04 PM
I want to make this a fun post. I'd like to hear what some of your Christmas traditions are:
I will start the list off:
Please share with us your family's traditions.
Santa Claus - making cookies and leaving them on the fireplace mantel for Santa Claus - oh with a glass … (16 comments)
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mother and daughter: Buyers need to know - 12/11/07 02:31 PM
Buyers need to know. In my last post I covered facilities that fall under the Safety Codes of exemption for requiring declosure of their existance in a neighborhood, the list below are some of the items that fall under the standard points of disclosure requirements in California.
Some sure fire disclosures that … (6 comments)
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mother and daughter: Loose Lips might sink the ship! - 12/11/07 11:56 AM
Disclose, Disclose, Disclose!
BUT.....................Be careful how and what you disclose.
Scenerio: There are numerous homeowners that use their home as facilities in the San Joaquin/Stanislaus and other California neighborhoods to provide licensed care for children, Foster care, seniors, recovering alcoholic or drugs, VA vets, etc. that are either a Day Care, Foster Care, Senior … (0 comments)
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mother and daughter: Ready to go to war?.... make an offer on a REO property! - 12/11/07 01:29 AM
Well maybe not real war, but Stress for sure!
Buyers: All bargains are not good bargains, but some are: How do you know the difference? There are so many properties in the Stockton - Modesto area that are REOs. REOs can be just as hard to negotiate as a short sale!! … (4 comments)
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mother and daughter: Sellers: Don't know why your house is still on the market? - 12/10/07 11:36 PM
House on the market too long? Don't know why? Feel like you have the worst house in the area because it is not selling? Or do you blame your agent?
HINT: -------Lower your price. This just might help!!!
If your home is already in the best condition possible, and you've already raised the … (0 comments)
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mother and daughter: Anybody got a bandaid? - 12/09/07 03:25 PM
Good news for a small few --- not even a bandaid for most! As I wrote in a previous post Who will get help? there seems to be a problem with coming up with a plan that will really help the foreclosure problems. I mean we are hearing that there are … (8 comments)
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mother and daughter: Owners have rights, Tenants have rights too-- all God's children got rights! - 12/04/07 02:48 AM
OK! I will admit that I am guilty of bashing the "tenants from hell" and I still stand on that. Tenants can ruin an owner's property in no time flat. I have seen and experience with several of my owners the aftermath of tenants gone bad.
HOWEVER, in defense of the tenants that … (4 comments)
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mother and daughter: Short Sale agents are reporters too! - 12/03/07 01:40 PM
Real Estate Agents have to become report writers!
Before you submit all the data to the lender for a short sale approval, remember you have to do your homework.. you will need to write down what you see and feel about the property so that the lender that is from another state … (6 comments)
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mother and daughter: Short Sale tip: Release party! - 12/03/07 01:11 PM
Information submitted should be representative of all parties signed on the note. In a situation where a quit claim deed has been executed, information is required from all parites signed on the loan unless a Release has been filed. Although monetary interest in a property has been conveyed, a quit claim … (0 comments)
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mother and daughter: Short sale approval is not AUTOMATIC! - 12/01/07 10:08 AM
The last number I heard for Subprime loans that are in foreclosure: 161,540 for US.
There is nothing AUTOMATIC about short sales - they can STICK you and the STANDARDS can be different with each lender!
Let me tell you a couple of things about short sales/foreclosures
1. You decide you're … (8 comments)
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mother and daughter: Give Protection.....Get Protection! - 12/01/07 09:20 AM
Some people don't realize the many benefits of a Home Protection Plan. However, as an experienced Real Estate Professional, I would like to point out how a qualify Home Protection Plan can benefit you, whether you are buying or selling a home. A good Plan ensures the repair or replacement of … (4 comments)
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mother and daughter: Tell Santa to bring you.......backup - 12/01/07 08:16 AM
Right around the corner??? Yes, Christmas is right around the corner and here is a great useful tool that will help you in your real estate business. Ask Santa to bring you a Flash drive!!!!
Almost everyone who uses a computer knows the importance of regularly backing up his or her data … (16 comments)
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mother and daughter: 3697 Hepburn Circle, Stockton, CA 95209 - 11/27/07 11:40 AM
This charming 3/3 (1300 sq ft/lot: 4,356 sq ft) (Built: 1998)is located in a quiet neighborhood. 2-story w/upstairs master, 1bed/bath downstairs, great room w/fireplace, inside laundry. Spacious kitchen. Gargage is made into a room but not permitted - partition can be removed. A must see.
Short Sale: Price, terms, conditions, expense & … (6 comments)
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mother and daughter: Simply..Get a move on ! - 10/30/07 11:34 PM
Here are the steps from getting ready to buy all the way to closing......
so Buyers get a move on and get yourself a new home.
Step 1: Spiff up your credit
Step 2: Start saving for a down payment and closing costs
Step 3: Calculate how much house you can afford
Step 4: Shop … (3 comments)
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mother and daughter: One or Two-Step approach? - 10/29/07 10:41 PM
Do you take the 1 step or the 2 step approach to your listings? Do you find that most of the basic information you are trying to share with your sellers are going right over their heads - from fees to fiduciary responsibilities or how to price their home? Did you … (5 comments)
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mother and daughter: Foreclosure: What are you telling your clients? - 10/24/07 01:38 PM
I have spoken to people that are not having much luck with contacting their lender in an effort to work out a payment plan in order to help them get back on track. They call their bank as soon as they miss a payment and try to put together a forbearance agreement, … (11 comments)
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mother and daughter: Solute to Breast Cancer Awareness Month - 10/24/07 12:33 PM
I wanted to take this time to pay personal tribute to this month of Breast Cancer Awareness. I tried to get my pink ribbon on my photo but was not successful at getting that and I did not want this month to pass without me showing my support for this great … (9 comments)
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mother and daughter: Buyers: Check and compare, then make your offer. - 10/21/07 09:44 PM
Tips on how to determine Your Offer Price: When you prepare an offer to purchase a home, you already know the seller's asking price. But what price are you going to offer and how do you come up with that figure?
Determining your offer price is a three-step process.
First, you look … (8 comments)
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mother and daughter: Buyers: Tip to help you qualify for a loan - 10/21/07 09:13 PM
Tip: Get Approved/qualified BEFORE you get a new car!
Think about buying a home first. Buying a home is a much more important purchase when considering your future financial well being.
Suppose you earn $5000 a month and you have a car payment of $400. At current interest rates (approximately 8% on a … (12 comments)
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mother and daughter: Bash it out in San Joaquin County - Trick or Treat! - 10/10/07 01:04 PM
San Joaquin County - Halloween Activities - Pumpkin Patch and all......
A Maze 'n' Patch - Pumpkin Patch and corn mazeEight Mile and Lower Sacramento roads, Stockton, CA. Phone: 209-369-6011 Bogarin Farms - apples4351 E Armstrong, Lodi, CA. Phone: 209-369-0791. Fruits and U-pick apples, school trips Buon Giardino Produce - pumpkin patch16220 … (0 comments)
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mother and daughter: Buyers: Exactly what is it saying or what's buzzing? - 09/27/07 01:13 PM
Buyers tips on reading and understanding a listing description (Part 1)
My advice is to go and see the property with your own eyes. Ask questions and make sure that you understand and verify as much as you can about the properties that you are interested in possibly purchasing. It is … (13 comments)
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mother and daughter: 2871 1st Street, Unit 901 - Livermore, Ca 94550 - 09/18/07 11:22 PM
What a motivation to move to LIVERMORE, CA !
Great price $525,000! This gorgeous Palasage Community Townhome (Built: 2004)with (1744 sq ft) is a corner end unit and is sunny in like-new condition with a spacious kitchen , granite countertops, oak cabinets, black appliances, island & family room combo, baths are … (3 comments)
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