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san joaquin: Unfortunately it is true.... your credit can ruin my dreams! - 12/23/11 08:29 AM
Yes! Your credit can ruin my dreams! Are you in default but want to me help me? Might not work for you to help me out!
The first question is how can someone else's credit ruin your dreams? In most cases, it is cannot but in some cases it certainly can - at least if the new enforcement of existing laws are put into place. For the sake of this discussion, this is about FHA lending, but just know that it may become the norm in all lending.
We already discussed in a previous post how a married couple can be … (2 comments)
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san joaquin: “We’re in this together”…this may become the norm with the new enforcement. - 12/23/11 07:34 AM
“We’re in this together”… this may become the norm with the new enforcement.
Remember how easy it was for a husband or wife to purchase a home and not have to use the other spouse’s credit to pull it off. Remember the term “separate”? Well with the changes in lending – look out for this to change. Change could be considered not for the good because it will no longer be possible to leave out the spouse’s credit when you are purchasing a home and you are married.
Now married (these days) mean a few different things and … (5 comments)
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san joaquin: The Mother and Daughter Realty Team - Update on San Joaquin County CA for August 3, 2011 - 08/14/11 03:59 PM
The Mother and Daughter Realty Team - Update on San Joaquin County CA for August 3, 2011
Shown below are the San Joaquin County CA real estate trends* in charts for the year to date history of:
The number of Single Family and Condominium sold year to date Homes For Sale in San Jaquin County CA, Sold by month as well as The single family and Condominium sold homes Sale Price Median Home Price in San Joaquin County CA. From 2010 to present … (0 comments)
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san joaquin: San Joaquin County, Central Valley & Stockton are included in these numbers! - 08/02/11 03:19 AM
This is the 24 hour watch for August 2, 2011 for the greater Metrolist area - Central Valley and San Joaquin County is included in these numbers. What caught my eye was that there are - no Expireds and a large amount are back on market. I wondered if those listings were the ones that were tallied as expired prior.
I head a whole sermon on targeting the expireds. I have not worked them yet... YET because they are on my list of things to do. Check out the expireds in your area and lets see if they are worth looking … (0 comments)
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san joaquin: Product Type: .... does it hurt you in your pocket and/or in your home? - 06/02/11 09:54 PM
Are you sill stuck as if it was still back in the 2005-2007 timeframe or have you found a solution that you can live with and not lose everything in the process? What is your loan type of choice and do you have it? This loan type for a while there (since back in 2005-2007 or so)knocked out the plain old 30-year, fully amortizing, fixed rate loan, because it was unattainable, as some people couldn't qualify for this financing given that their income couldn't keep up with the appreciation of housing stock. This is why the Option-Arm became so popular... they had to come up … (0 comments)
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san joaquin: Hurry up and Wait.. it takes 9 months to deliver! Are we still talking about Short Sales? - 04/17/11 07:19 AM
It takes 9 months to have a baby and unless you're lucky... a whole lot of pain comes with the delivery! Sometimes and it seems more than often, Short Sales can take just as long or longer and the pain level measures close - and the stress level can exceed delivery in some cases. We know this is not "cool" and it is certainly not "fair" either.
There has been much talk about shortening, streamlining and improving the process ... however, if you're not entertaining a Wachovia Fast Track Short Sale... you may be in it for the long haul. Or is that at … (8 comments)
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san joaquin: Do you "Feel" Scared to buy? - 03/19/11 06:37 PM
Homeownership matters...
Do you care about homeownership? Do you need a property that you will be owner occupied?Do you fit the category of investor?Do you care about tax deductions?Do you care about appreciation?Do you care about a good investment?Do you care or believe in the American Dream?Do you need FHA, VA or other financing?Do you have cash on hand for the full purchase of your dream home? Do you have a significant down payment - I'm talking about at least 20% of the sales priceDo you know about 203K Financing? Do you know about buying a "not so ready to move … (0 comments)
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san joaquin: We know.... Short Sales! - 02/01/11 02:45 AM
If you live in the San Joaquin/Stanislaus Central Valley: Stockton, Lathrop, Manteca, Tracy, Salida, Ripon, Modesto, Ceres, Riverbank, Lodi, Elk Grove, Linden, Patterson, Newman (and more) and if you are in need of a Short Sale Real Estate Agent... give the Mother and Daughter Realty Team a call. We are certified in default properties, short sales and traditional sales.
We Know...
and exercise compassion to your real estate needs. the pre-foreclosure process, the timelines of a foreclosure, Short Sales, the market and your area. how to get a property sold - FAST! So don't hesitate to give us your business - we will … (0 comments)
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san joaquin: Central Valley Short Sale Specialists... Stockton, Lathrop, Lodi, Manteca, Tracy, Salida, Ripon, Modesto! - 12/04/10 08:42 AM
Attenion: Buyers and Sellers, Owner Occupied, Investors, First Time Homebuyers, Upgraders, Down Sizers:
Do you need a Central Valley Short Sale Specialist? If you have any questions or would like to discuss any real estate related issue please contact the Mother and Daughter Realty Team at (209) 820-5410 or complete our Contact Form.
Rosemary Brooks & her daughter, D'Adrea Davie - The Mother and Daughter Realty Team specialize in Stockton short sales, Lathrop short sales, Tracy short sales, Manteca short sales, Lodi short sales, Mountain House short sales, Salida short sales, Ripon short sales and Modesto short sales.
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san joaquin: SB 1178: California homeowners (call to support) - this bill will help to avoid "deficiency judgements" - 06/09/10 08:51 AM
Homeowners: You should always be in the loop of upcoming changes to the Real Estate market. This information is important to you whether you are presently in mortgage trouble, or you foresee that you will be in trouble due to a hardship, adjustment in your loan payment, or even if it is just that you know someone that is facing these problems.
CAR is working hard to get help for California Homeowners.. the effort that I am writing about is the effort to get Bill 1178 passed. This bill will help homeowners avoid "deficiency judgements" all together.. Well not all together … (3 comments)
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san joaquin: What is a Supplemental Assessment? - 05/24/10 08:26 PM
What is a Supplemental Assessment?
State law requires the Assessor to reappraise property, immediately upon change-in-ownership or completion of new construction. The Assessor's Office must issue a supplemental assessment that reflects the difference between the prior assessed value and the new assessment. This value is then prorated based on the number of months remaining in the fiscal year ending June 30. This supplemental is in addition to the regular tax bill. To appeal a supplemental assessment, an application must be filed with the Clerk of the Board within 60 days from the mailing of notice of the supplemental assessment.
… (1 comments)
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san joaquin: Everybody Loves Wal-Mart! Bring it on... - 05/17/10 07:49 AM
While the City of Stockton banned Wal-mart Superstores -- the regular size Walmart will be a part of the proposed planning of the Weston Ranch Towne Center at the corner of I5, French Camp and Manthley! Althought it is not the news most wanted, it is still great news for the City of Stockton and most important for the Weston Ranch community.
This will mean more jobs and a better selection of shopping. This is also a great way to help re-build the Weston Ranch community. Everybody loves Wal-mart! For more information check out the site: WAL-MART
Weston Ranch Towne Center Wal-Mart Fact Sheet »
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san joaquin: Left over paint... is a huge problem! Very costly... - 05/16/10 11:18 PM
If its a good meal.. I love leftovers. But if its about left over paint cans all over the place... its not a pretty site. Someone said they had too much paint left over!
Left over paint is a huge problem: Californians waste more than $90 million per year buying excess paint!
Two million gallons of paint per year are disposed as hazardous waste to California Nevermind what it cost Californian (over $16 millon annually). You can save money by buying the right amount of paint. www.begreensanjoaquin.org New Paint Collection sites in San Joaquin County/Central Valley:
True Value … (3 comments)
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san joaquin: Let's Talk .... HUD Homes For Sale (Contra Costa) counties 3-13-2010 - pt 1 - 03/13/10 10:49 PM
See a HUD home you like? If yes, give me a call. These come out weekly and will be going pretty fast. The good thing about a HUD home is that you know the list price and you know you must at least match that price in order to get the property. The competition is stiff and there is no time to lag -- so check them out and let me know if you would like to see and purchase a HUD home.
Pictures will be provided upon request
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san joaquin: REO Trans for Short Sales? - 11/17/09 11:26 PM
I am re-posting this because it is the up and coming new process. In order for the word to get out, the process, the rules and guidelines -- we must inform other agents, homeowners and buyers.
Well worth re-blog.
Need a short sale agent in the Central Valley: San Joaquin/Sacramento/Stanislaus/Merced/Alameda/Contra Costa Counties -- give us a call at 866-543-0461.
Rosemary Brooks
Patrick Williams & Associates
The Mother and Daughter Realty Team
www.motheranddaughterrealtyteam.com
Via Melissa Polce (Keller Williams):
Need direction...have a Bank of America Short Sale in process and they called me...Good Right? Well...they gave me the website REOTrans.com … (5 comments)
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san joaquin: Agents: Get on Board ... with the Next Generation Real Estate - 04/28/09 02:01 PM
If you are the kind of agent that can work on your own
Set your goals want to work with REOs, Asset Managers, vendors. Have knowledge on how to manage REOs, Reotrans and other task management systems Can handle performing property evaluations Have that "people person" attitude, flexible and ready to hit the ground running... Interested in property management, loan modifications or international investors Have some knowledge of social networking (ActiveRain, Facebook, Wordpress, etc.) Have computer skills (can use a computer, scanner, printer, fax machine) Have available hours in the day to handle all the above! Have some knowledge of the … (1 comments)
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san joaquin: Next Generation Real Estate.... interested? - 04/25/09 08:04 PM
If you are interested in becoming a Real Estate agent or already in the business and want to make a move to the Next Generation Real Estate ........Family Realty Group is now hiring agents.
Join us here at Family Realty Group. We cover most of Northern California and are looking for Energetic, Detail oriented, Flexible and customer care agents.
San Joaquin Central Valley, Stanislaus County, Alameda Counties: Call 888-516-1975 ext. 103 or you can email: Career30@1frg.com or go my website and contact me: Motheranddaughterrealtlyteam.com
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san joaquin: Short Sale: Should I list my house at the price that I owe the lender? - 01/10/09 07:29 AM
Question: This is starting to be more of a common question rather than an obvious answer before you ask the question.
When the owners go to their lender(s) and ask for a loan modification or other workable options and the lender take their time about telling you they cannot help you and the best option you have is doing a short sale.
And in the same breathe they tell you that you should list the property at what you owe them on the property!!!! This my friend.....is bad advise. And the Answer: In this market you cannot afford to list the house … (4 comments)
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san joaquin: Weston Ranch is a gold mine for buyers! - 08/06/08 10:40 PM
This is an update from the post: The Market of Weston Ranch .... plan to purchase. Weston Ranch is loaded with bank owned properties that are for sale. Weston Ranch is located in the 95206 zip code, with three or more schools: Komure (George Y) Elementary, Great Valley Elementary, Weston Ranch High School. It has a library, the Weston Ranch Towne Center should be completed by the fall of 2008 - with over 60 stores, 600,000 sq ft of shops.
Location: San Joaquin River and French Camp Slough is adjacent to Weston Ranch on the west and north side.
Here are two properties … (6 comments)
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san joaquin: Got R-E-O Countered? - 04/25/08 02:49 AM
You submit an offer and you get countered? What does it mean?
Some buyers mistake a counter for a turn down or that it is etched in stone. It is not. It is an opportunity to open up the negotiations or it can be.
Don't mistake a counter as a turn downDon't mistake a counter as an opportunity to go under what you originally offered!Don't mistake a counter as something you can sit on for several days - act on it if you want it!Don't over look what the bank is countering... read carefullyIf you want something - ask for it BEFORE you … (16 comments)
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Rosemary Brooks-The Mother & Daughter Realty Team
Stockton,
CA
More about me…
EMBARCADERO Investments - 866-543-0461
Address: 6777 Embarcadero Drive , Ste. 1, Stockton, CA, 95219
Office Phone: (888) 543-0461
Cell Phone: (866) 543-0461
Email Me
EMBARCADERO INVESTMENTS - the Mother and Daughter Realty Team. A Realtist. We take the extra steps to ensure our clients receive the utmost care! Call 866-543-0461
We represent home buyers and sellers as their exclusive agents in the Central Valley, Bay Area and nearby counties. Your Real Estate Professionals.
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