mother and daughter realty team: 902 Kate Linde Circle, Stockton, CA 95206 - 12/05/10 06:48 PM
For more information... Check out our Website and our Blog... - Website: http://www.motheranddaughterrealtyteam.net - Blog: http://activerain.com/brooksrm2042
Received another offer to submit to the lender for approval.
Nice Home located in Weston Ranch! One Story, 1,159 sq. ft, 3 bedroom, 2 bathroom home. Kitchen looks into eating area and living room. Gas Fireplace. Laundry area. Home was built in 1995 in good condition with a porch.
Great home for a First-Time Home buyer! Not available at this time! … (4 comments)
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mother and daughter realty team: What a nice turnout at our First Time Homebuyer's Training Today! FTHBs right on! - 12/04/10 08:27 PM
What a beautiful day this turned out to be in Stockton, CA. We (Rosemary Brooks and D'Adrea Davie - the Mother and Daughter Realty Team) held a First Time Homebuyers Training Class for buyers that are in escrow and need the HUD Certification in order to qualify for the Down Payment Assistance programs that Lodi and Stockton are offering. Rosemary and D'Adrea are the instructors.
We met some really nice people and they all gave us good feedback on how the class was conducted. Everyone that attended the NID - HCA (Housing Counseling Agency) First Time Homebuyers received a Certificate of Completion - … (0 comments)
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mother and daughter realty team: Still trying to avoid the F.... word? - 12/04/10 09:14 AM
Are you still trying to find an option in order to avoid foreclosure? Do you feel like no one can help and you have tried everything you can?
Well don't give up just yet. There are new programs being introduced all the time. The most recent new programs that may be of help to you are:
Unemployed: If you are unemployed and not making enough to afford your monthly payments - call your lender and ask about the unemployed program.
Reduction of Principal balance: Call your lender and see if this program will help you. The lender will reduce your principal … (0 comments)
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mother and daughter realty team: Central Valley Short Sale Specialists... the Mother and Daughter Realty Team! - 12/04/10 08:23 AM
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mother and daughter realty team: Release that TIME and keep HOPE alive! - 12/04/10 12:03 AM
After the shock of this huge foreclosure crisis... comes the procedures for making it go away. Making it go away is harder than you may think. One of the reasons that it is so hard to get rid of is the procedures that are set in place!!! Procedures for Loan Modifications, Pre-forecloures, short sales, deed in lieu, foreclosures). Take each of these options and try to figure out the easiest way to do them and you are standing scratching your head.
The loan modification has by all intent and purpose not met the grade. The pre-foreclosure process is 111 days and … (0 comments)
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mother and daughter realty team: Buyers this is your market ~ step up... get qualified and come out swinging! - 12/03/10 03:44 AM
Buyers you are forgotten! I know there is so much talk out about Short Sales and Bank Owned (REOs) that no one is paying attention to the buyers. We tend to forget that this is a buyer's market!!!
Well rest assure, the Mother and Daughter Realty Team has not forgotten about you. We are Stockton Real Estate agents and are here to serve the buyers. We are experienced in Short Sale properties and how the process work. We have the experience to help you find your dream home.
Give us a call and we will walk you through the homebuying process … (1 comments)
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mother and daughter realty team: Rent to own property... can it be like a Home RAC or just plain good? - 11/27/10 10:29 PM
When you speak on Purchasing Rent to Own Property - do you think back to the day that RAC (Rent A Center) was really hot and you thought it was the way to go? Dang I knew some people that had a whole house full of RAC items. Then one day.. the red/white/blue truck pulled up and folks begain to pack these same items right back in that truck and off they went!!! Until you figured out just how much extra you paid for the RAC TV or washer/dryer or for goodness sake... the bedroom set that never got paid off because you did … (6 comments)
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mother and daughter realty team: Come on now!! Duck tape? Get real! - 11/27/10 09:18 PM
Having your home checked for safety issues is the best ideal after deciding to purchase a home. As a Stockton, CA Real Estate Agentl, I always advise my buyers to have a home inspection. Most will agree but some just don't want to give up the money to get the inspection. I have them sign a waiver but not before I give them the "you really should reconsider" and have the inspection. I know you will be glad you did, the moment something goes wrong in your new home!
I explain the "waiver" is to protect me and the others involved … (11 comments)
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mother and daughter realty team: Stay in your home... one option at a time! (Loan Modification) by Fannie Mae - 11/26/10 07:23 PM
Modification: an agreement between you and your mortgage company to change the original terms of your mortgage-such as payment amount, length of loan, interest rate, etc.
Modification may be an option if:
You are ineligible to refinance You are facing a long-term hardship You are several months behind on your mortgage payments or likely to fall behind soon All homeowners should have encouragement and be educated on the options that are out there. Even if you have been denied for one option... check back with your lender to see if there some new options just waiting for you to request … (7 comments)
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mother and daughter realty team: Stay in your home... one option at a time! (Forebearance) by Fannie Mae - 11/26/10 03:20 PM
Forbearance: With this option, you and your mortgage company agree to temporarily suspend or reduce your monthly mortgage payments for a specific period of time
Forbearance may be an option if:
You are ineligible or do not want to refinance You are facing a short-term hardship You are several months behind on your mortgage payments Call your lender for more information or see a HUD Housing Counseling agency near you!
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mother and daughter realty team: Stay in your home... one option at a time! HARP (Refinancing) by Fannie Mae - 11/24/10 10:57 PM
Homeowners: Stay up on your options. Remember they are always adding new programs so always:
• HARP - Refinance (Home Affordable Refinance Program): With this option, you receive a completely new mortgage with new terms, interest rates and monthly payments. The new loan completely replaces your current mortgage and may lower your payment, which could help improve your monthly financial situation.
Refinancing may be an option if:
You are current on your mortgage payments If you haven't been more than 30 days late in the last 12 months, you may also qualify for the government's Home Affordable Refinance Program You … (1 comments)
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mother and daughter realty team: Happy Thanksgiving from the Mother and Daughter Realty Team to you & your family! - 11/24/10 02:59 AM
A Thanksgiving message from the Mother and Daughter Realty Team...
Our compassion goes out to the all the homeowners that are suffering through this economy trial. Our motto is when a door closes, God open another (don't spend too much time on the closed door or you may just miss the next open door... or it just may be a window).
God is good and he will not give you more than you can bare.
Here are some of the things we are thankful for:
Our family and friends.. Being healthy and safe.. Living and working in a great community.. … (0 comments)
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mother and daughter realty team: Father time is not on your side... when it comes to foreclosure! - 11/20/10 06:32 PM
The following time-line is applicable for non-judicial California Foreclosures under a Deed of Trust. Foreclosures begin with the Trustor (borrower) not making the monthly payments to the Beneficiary (Lender), the first missed payment is technical default, but in practical terms, most Beneficiaries do not begin the process until the third payment is missed. If the Beneficiary cannot resolve the defaulted payment amount with the Trustor through Forbearance or other Loss Mitigation measures, the Beneficiary will instruct the Trustee to begin Foreclosure proceedings.
California Foreclosure Timeline
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mother and daughter realty team: Many Casualties caused by the Foreclosure Crisis - 11/20/10 05:56 AM
Homeowners are not the only casualty of the foreclosure crisis. Both neighborhoods and renters can suffer negative consequences when a property goes into foreclosure.
Beyond just ensuring that tenant's receive their legal rights, allowing a renter to remain in a property may keep the property from being vandalized or neglected. It is one strategy that can positively augment efforts by the local jurisdiction to minimize blight and stabilize neighborhoods.
Homeowners Renters Families Relatives Neighborhoods Schools Comunity centers Small businesses Large businesses (banks included) Cities Counties States Economy Future plans Retirement plan Social Security Work force Nationwide and ... More … (0 comments)
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mother and daughter realty team: Funds swells!...but banks hesitate??? Keep Your Home Plan suffers! or Hurry up and wait??? - 11/20/10 05:17 AM
The headlines are not that great but it is always smart to be prepared "when they come around". Get all the information you need about the new program "Keep your Home - California!" plan and then hurry up and wait..... for the banks to buy into the Principal Reduction program that CALhfa has introduced --à BUT....
CalHFA is not taking applications or maintaining waiting lists for the Keep Your Home California programs at this time.
California foreclosure aid fund swells, but banks hesitate: However, mortgage servicers haven't officially agreed to participate in the principal reduction part of the program. But the … (2 comments)
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mother and daughter realty team: Just walking away is not a "Graceful Exit" - 11/20/10 02:47 AM
Hello homeowners that are underwater (now or forsea this happening), having a major hardship (decrease in income or something equally as major) - please understand what is meant by "graceful exit". The reason it is important to know the difference is that - one day when the hardship has lifted, you do not want to think back and find out that you could have done your exit much easier and suffered from it a lot less by just taking a few steps and making a solid decision right now:
Exit options:
Request a loan modification or a workout plan to help … (1 comments)
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mother and daughter realty team: Principal Reductions (Bank of America is bring to LIVE!)... Do you qualify? - 11/18/10 11:23 PM
I had the pleasure of speaking with Bank of America regarding the National Homeownership Retention Program (NHRP) - Principal Reduction. I like it when the banks puts in the effort to help the homeowners!
I was told that it is an old program just coming to live. It started in 2008, with the last attempt being back in May 2010. It seem to have died but now it is back in the forefront.
This program is ahead of interest rate reduction,when modifying certain loans:
subprime pay option and prime 2-year hybrid mortgages Several enhancements are being made to the program, including … (2 comments)
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mother and daughter realty team: What does a Realtist do? glad you asked! www.centralvalleyrealtist.com/www.nareb.com /www.careb.org - 11/18/10 10:51 PM
What does a Realtist do? This is a good question and there are several things a Realtist does for the communities in which we live...
A Realtist is a member of NAREB and A member of their local chapter (usually within 50 miles of their office) Serves the communities in which we live, by Educating, Enabling and Empowering our homeowners to save and preserve their homeownership. We sponsor and join partnerships with banks, lenders, and other organizations to bring the education and support to the public A REALTIST believes in preserving the rights of all Americans to homeownership and is dedicated … (0 comments)
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mother and daughter realty team: Find a Realtist.....www.nareb.com - 11/17/10 12:42 AM
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mother and daughter realty team: No selling cost to figure out... with a Short Sale! (there is a disclaimer) - 11/14/10 09:58 PM
There is question of when it is best to figure out your costs when you are planning to sell your home. In a traditional sale, I'd say right away before you put it on the market. However, during these economic times, where short sales are the most common, with so many homeowners under water on their mortgage, in default and not able to afford the property.
There is some good news.... there is no costs - the homeowner's part associated with a short sale. By cost, I mean no cost such as closing costs.
For a short sale: The lender will pick … (0 comments)
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