stockton: Another Newbie, but not for long... Welcome Liz Wilson to AR! - 09/30/08 06:23 PM
It is my pleasure to welcome Liz to our ActiveRain group. Liz and I both work for Family Realty Group and she is a pleasure to work with. I invited and she accepted ... to be a member of ActiveRain.
Liz, I am sure you will find that "learn one thing … (20 comments)
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stockton: Another newbie, but not for long! Welcome William J Browne to AR - 09/30/08 06:08 PM
Welcome to ActiveRain. William J Browne
I know that you will enjoy your time here at the Rain and that you will have opportunity to learn a lot about subjects you never thought about and those that you have had questions on. We look forward to reading your blogs and … (8 comments)
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stockton: "Conditions" can be a direct cause of Headaches and delays (excedrin #86)! - 09/04/08 05:46 PM
↑ Grab this Headline Animator
When you say pre-approval, what does it mean? Does it mean everything is a go.... or are there still conditions that have to met? What is the missing from the PRE-approval letter that you should know and be working on??
C O N D I T … (3 comments)
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stockton: Rally in the Valley ~~~This is our best shot to make an IMPACT! Join us..... - 09/04/08 12:19 PM
We need everyone at the Stockton Arena (248 W. Fremont St.) Saturday September 6th (This Saturday) at Noon . (Pretty Please) Congressman Barney Frank, who is one of the most influential people in the Housing Industry in this Nation, will be conducting a field hearing. He was invited by Congressmen … (0 comments)
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stockton: 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. … (6 comments)
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stockton: Get your N U M B E R prior to October 1, 2008 - or your escrow will not close! - 08/06/08 05:17 PM
If you have an open escrow that is under the Nehemiah program, remember to get your N U M B E R from HUD or your escrow will fall out. Your escrow transaction is in jeopardy of being a "no close" if you do not get your N U M B … (2 comments)
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stockton: 8318 Shaffer Drive, Stockton, CA 95212 - 08/06/08 12:09 AM
↑ Grab this Headline Animator
WEBSITE: http://www.motheranddaughterrealty.com
Need a Short Sale Specialist? CLICK
Want to purchase a REO property? Want to know what properties I have to sell? CLICK
Need information on the foreclosure process? Ask me for a FREE Pre-Foreclosure Guide CLICK
For a FREE MARKET EVALUATION of your home CLICK … (4 comments)
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stockton: 3261 Ripplerock Lane, Stockton, CA 95206 - 07/17/08 06:36 AM
Not just another Weston Ranch home! This is a very nice 2-story Weston Ranch Home for Sale! This is a must see.
$181,900 Bank Owned Property. This one won't last!
Great place to call home! This is a 2-story open living room; with 4bd/3.5ba; 2-car garage, 2147 sq ft/lot: … (8 comments)
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stockton: There's a knock ........Is anybody home? - 07/17/08 06:20 AM
There is a potential in door knocking - for both the agent and homeowners!
When Opportunity Knocks or Walks!
With the foreclosure crisis and the market situation, there are so many homeowners that are in need of real estate services and just don't know how to reach out. Door knocking is … (12 comments)
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stockton: Short Sale BPOs are not necessarily made equally! - 07/17/08 05:24 AM
Ever been in Short Sale negotiations and had the lender say that their BPO came in higher than what your comps/report on the property is showing? Ever had them question your current list price? Here are few tips to consider when you are preparing your Short Sale request package to submit … (9 comments)
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stockton: Why must we destroy a good thing? HUD is at it again.... - 07/14/08 05:21 AM
Well here I am back again - drumming up support for the down payment assistance program - Nehemiah. I guess HUD has nothing better to do than to keep picking on Nehemiah and trying to get it shut down. But why?
Let's Support the Nehemiah Down Payment Assistance Program - … (11 comments)
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stockton: Foreclosure crisis is running wide in Lathrop (West)! - 07/14/08 04:31 AM
What is going on in Lathrop, CA? Although the City of Lathop has been around a long time - the newer homes on the west side of Lathrop have not. I took a drive through the community and it was not a pretty sight. The foreclosure crisis has hit there pretty … (4 comments)
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stockton: "Meet me on the Mile"! - 07/13/08 07:26 PM
The Miracle Mile in the Stockton, CA
The Miracle Mile a wonderful place to shop, dine and be entertain in this new and revitalized Stockton, California! The Miracle Mile is a favorite destination for its pedestrian-friendly dining and shopping. Mile dining is a culinary delight offering a whole world of cuisine - … (3 comments)
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stockton: REOs - yes they are in your neighborhood too! - 07/13/08 05:31 PM
If you live in Stockton, CA - the odds are there is REO activity in your neighborhood!
Stockton has several zip codes within the city. Of those zip codes there are several heavily hit by the foreclosure crisis. This is no surprise to most, but there are still those out there … (0 comments)
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stockton: Keep your offers clean... take the dirt out! - 07/11/08 04:00 AM
If you are making an offer on a bank owned property -- clean up your offer! Some buyers are sending in dirty offer??? What does this mean?
Clean offer (results in acceptance, transaction with less complications)
Offer at least asking price
Add in to the price any credits that you are … (16 comments)
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stockton: News Flash!! Negotiators should know how to negotiate! - 07/10/08 01:47 AM
I am totally convenienced that Countrywide has no serious intentions of accepting short sales! They keep you on hold for months and still come up not accepting -- a solid/serious offer-- even when they counter back and the buyer meet the counter! They still reject the request!
I had a discussion … (14 comments)
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stockton: Selective Memory? or Did you really forget? - 07/07/08 04:50 AM
Don't you remember you said you understood "as is - where is" meant the bank is not going to do or pay for any repairs? Sure you remember don't you?
So if you remember this, why are you now coming back and asking for:
Pest inspection fees
Pest Repairs
Repairs from … (14 comments)
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stockton: 3261 Ripplerock Lane, Stockton, CA 95206 - 07/06/08 11:00 PM
Just Listed
Check out this price!
$198,900
Great place to call home! This is a 2-story open living room; with 4bd/3.5ba; 2-car garage, 2147 sq ft/lot: 6098. Large kitchen with tile countertop, island and pantry w/combo family room w/fireplace. Inside laundry room. In the Weston Ranch community - … (4 comments)
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stockton: "Whoo to the hoo!" WAMU works to help! - 06/23/08 07:24 AM
I attended a workshop presented by Washington Mutual and they really impressed me and I wanted to share what they had to offer. They have teamed up with El Concilio, NeighborWorks, Visionary Home Builders and Worknet to put on these workshops. If you are in trouble or know of someone that … (0 comments)
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stockton: Stockton, CA leading in foreclosures, gas prices and today - FIRE! - 06/10/08 11:23 PM
Stockton, CA is getting hit from all side of bad luck. First leading in foreclosures, then leading in highest gas prices - at least in California and now having a bad fire that destroyed over 30 homes (seven homes, 20 condominiums and one triplex were damaged or destroyed). Two firefighters suffered … (5 comments)
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stockton: Why wasn't my offer accepted? - 06/09/08 12:17 AM
Lets get a better understanding of Bank Owned Property Sale, and what AS IS means - what the banks are commonly not accepting. So many agents are not advising their buyers correctly or the buyers are not listening to the agent and are submitting offers that are never going to get … (18 comments)
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stockton: 2248 William Moss Blvd, Stockton, CA 95206 - 06/07/08 01:36 PM
Take another look at this property!!! NEW PRICE: $149,000
↑ Grab this Headline Animator
… (0 comments)
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stockton: By popular demand...Money talks.... and what walks? - 05/14/08 01:56 AM
As some of you know, I have contributed much to the Short Sale search engine. Then I went off and took up a "new trade".... REOs.
REOs are very interesting in that they seem to take up more of your time, they have a lot of little "tasks" that must be … (9 comments)
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stockton: Things that make you go.....um? Was this a drug house before foreclosure? - 05/14/08 01:05 AM
I was asked this question by a interested buyer. Was this a drug house or something? This was after spotting yellow stains on the walls, metal fixtures that look rusted, strangely colored stains all over the hosue, some chemicals like storage in the garage, and a very strange ammonia smell throughout the … (6 comments)
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stockton: 414 Saint Francis Street, Stockton, CA 95206 - 05/06/08 02:36 AM
Need a Short Sale Specialist? CLICKWant to purchase a REO property? Want to know what properties I have to sell? CLICKNeed information on the foreclosure process? Ask me for a FREE Pre-Foreclosure Guide CLICK For a FREE MARKET EVALUATION of your home CLICKCheck out: Real Estate Terms/Definitions. And take a look at Mother and Daughter Blog and D'Adrea's … (0 comments)
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stockton: Foreclosure Upkeep? What is it and who should do it? - 05/01/08 06:22 AM
Cities are starting to frown on properties that are not maintained and up to code. The reason for this concern is that the foreclosed homes are not being taken care of and is bringing down the neighborhoods. Of course there are some question as to who to go after. People are … (10 comments)
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stockton: What do you know about this bank? - 04/27/08 09:10 PM
This is the most common question I get from both agents and buyers. The other questions I get are: Are there any offers on the property and do you think the bank will take a cash offer (and those offers are usually very low but they are quick close and cash). … (6 comments)
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stockton: They are not steroids but they are growing..... all over the place! - 04/25/08 11:58 PM
This is about REOs (bank owned properties):REOs are not steroids but they are growing, all over the place.
Out of 56,493 NOD filings, California filed 40,761 for the month of March 2008.Out of 47,677 REO properties, California filed 14,025.REOs (bank owned properties) numbers are growing at record high. Since the lenders … (3 comments)
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stockton: 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 … (16 comments)
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stockton: AS IS, Where Is... Know WHAT IS before you offer! - 04/23/08 08:16 PM
AS IS - WHERE IS - Do you know what it really mean? I don't think it can be explained enough. There are so many foreclosed homes out there that it is important to understand what the buzz words mean - and this is one that won't go away (AS IS, … (11 comments)
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stockton: WAM its gone!......REOs are not hanging around long - 04/23/08 12:08 AM
Buyers, if you see a REO / Bank Owned Property FOR SALE --it might be wise to check it out, do your inspections and make your offer before the sign changes to SOLD.
These properties are not going to sit on the market a long time as they once were doing. The … (6 comments)
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stockton: Is Countrywide using SALT to make Lemonaide? - 04/20/08 07:54 AM
When the loans were rolling out like there was no tomorrow - Countrywide was the Industry leader for serving "lemonaide" to the borrowers and homeowners ~ or so they called it. Now that same Industry leader is backing out of helping the mess they lead the industry in creating. Something is really … (17 comments)
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stockton: Snapshot: Active Listings in Stockton, CA (BO vs SS) - 04/19/08 10:40 PM
Lets take a snapshot of Stockton's Metrolist Listings:
After reading a post by Mark Horan's Countrywide Loss Mitigation stating that they heard that Countrywide was going to stop doing short sales and just let their homeowners go staight into foreclosure, I decided to take a look at how it would affect the listings. … (0 comments)
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stockton: Making a REO/bank owned offer? - - here are some tips! - 04/19/08 03:48 PM
Found a REO / Bank Owned property that you want to make an offer on but not sure how to make the offer?
What you want: So you want everything fixed, termite Section 1, bank to pay all the escrow fees and on top of this pay a 6% closing cost … (30 comments)
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stockton: Is buying an REO easy? .......And are you serious? - 04/16/08 05:04 PM
REOs are known best for being an opportunity to purchase a property that will have equity in it, that may require some repairs on your part but will in the end pay off.
So When buying a REO you may encounter the following:
Long time to get an accepted offer: Bank may … (12 comments)
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stockton: Mr. Bank/Lenders that are rejecting Short Sales ~ Where is the logic? - 04/12/08 04:08 AM
Do you get the feeling the lenders are rejecting short sale requests without really thinking about it? And do you wonder why? I do. I am finding that the lenders are taking more time to say NO to short sale requests.
It is puzzling to me because once that home is … (20 comments)
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stockton: 5029 Hobart Avenue, Stockton, CA 95215 - 03/31/08 04:44 PM
$ Call for price This is a bank owned property
This 2 bed/1 bath home has great potential - an Investor's Dream. It is seated with room to expand with a 7840 sq ft lot, this 2/1 with 744 sq ft living space, built in 1962- room to expand. This deal won't … (2 comments)
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stockton: 2071 Del Rio Drive, Stockton, CA 95204 - 03/31/08 04:36 PM
Nice Home!!
$179,900
This is a bank owned property
Great Starter home - requires a little TLC. This 1-level, 3bed/2 bath w/2-car garage, fireplace, 1064 sq ft and lot size is 6970. Built in 1953. All you need is to add some TLC and you will have instant equity in this great home. … (2 comments)
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stockton: 39 Howard Street, Stockton, CA 95206 - 03/31/08 04:21 PM
$ 74,900
This is a Bank Owned Property
This home is sitting on a 7405 sq ft lot, this 2/1 with 744 sq ft living space, built in 1947, it has dual pane windows and was remodeled in 2005. The potentials are endless.
Got an Offer - Fax it in!
MLS# 80036467
Need a Short Sale … (0 comments)
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stockton: Try to get your property re-assessed - could save you some money! - 03/03/08 07:20 PM
I recently posted a suggestion of checking with your county property tax assessor to see what they are doing or planning on doing about the low drop in property value vs the high property tax bill the homeowners of San Joaquin County are getting. To see if they are going to reduce … (4 comments)
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stockton: Affordability - and What is Rock-Bottom? - 03/01/08 06:24 AM
Rock-bottom, what does it mean? Where does Stockton, CA fit into affordability? Well, I can tell you some good news. Stockton is not #1 on the least Affordability List, but on the other hand it is not on the #1 Affordable list either. I was actually somewhat surprised (and Happy) to … (2 comments)
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stockton: Let's take a Train Ride!.... On How to buy REO properties (Part II) - Finding the right property - 02/27/08 11:10 AM
OK so I promised a train ride. I always try to keep my words... so lets move on to Part II on my REO training.
We now have our list of great opportunities for our buyer.We have advised our buyer of what are the standard requirements for bank owned propertiesWe have … (1 comments)
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stockton: Short Sale, Foreclosed, Auction, & REO Properties - Know the difference BEFORE you start your search - 02/24/08 06:37 PM
There are certainly some good deals out there but be very careful what you choose to purchase and be willing to follow the bank's addendum to the T and the requirements to submit an offer is a different requirement in most cases. Just know the difference between the types of Foreclosure resulted … (8 comments)
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stockton: Grab Buyers Attention ----Featured Listings Slide Show! - 02/24/08 09:16 AM
I love this slideshow, so I thought I would share it today. Showing off my listings is always a good move! Call me about my listings and if you are interested in where to go find this little tool. Check it out on slideshow.com. It is free and it is very … (1 comments)
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stockton: Is this the Season? or is it just around the corner? - 02/24/08 01:10 AM
I was thinking that Spring is just around the corner and then today happened! In some places snow is expected and it has rained around here all day and promises to do the same tomorrow but according to the weather.... Monday it will all blow over at least here in Northern California. … (4 comments)
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stockton: "Do Nothing" .... now is that an option? - 02/23/08 11:43 PM
Yes - Do nothing is an option but it is not a recommendation. You may find it odd that "do nothing" is called an option. One of the most common options taken by homeowners is Nothing. Don't fall into the trap of thinking that everything will be magically OK, because it … (9 comments)
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stockton: Nobody wants to foreclosure, but if you find you're there.... here a helpful tip! - 02/23/08 11:28 PM
Being in foreclosure is a bad place to be, here is a tip to help the process run a little less stressful.
If you find yourself in a situation of pre-foreclosure, you should get busy and call your lender to see if there are options to help you keep your home. If … (2 comments)
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stockton: The deal is contingent on.... YOU keeping up with deadlines - 02/23/08 09:04 PM
What is a contingency date and why is so important?
There can be contingencies to your purchase that are as important as the close date. In fact, if they are missed you could end up losing your earnest deposit and any additional deposit that you have put down.
So remember to pay close … (7 comments)
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stockton: Bank owned properties are everywhere! Status: REO OVERSTOCKED - 02/23/08 10:51 AM
While in search of my next niche..... it wasn't hard to figure out that REOs are the way to go. As many of you know my daughter and I specialize in Short Sale listings and have been able to help most of our clients obtain a short sale successfully. And we … (11 comments)
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stockton: Fallout from the foreclosure crisis .... keeps the repo man busy all over. - 02/16/08 04:36 PM
I spoke to a homeowner the other day and was told that they are not only losing their home due to foreclosure, they are losing their cars and credit card usage. They feel they are being stripped of everything.
As we look around the fallout of the distressed housing situation is not … (6 comments)
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stockton: Default properties... what kind of buyer is an agent looking to represent? - 02/02/08 11:46 PM
What kind of buyer is an agent looking to represent ... if the property is in default?
Disclaimer: All buyers are welcome to purchase what they can afford.
However, the purpose of this post is to say... An agent should NOT represent a buyer if these four points are true:
1. The buyer will … (8 comments)
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stockton: The Market of Weston Ranch .... plan to purchase - 02/02/08 10:53 PM
In this market time and especially in neighborhoods such as the "Foreclosure Capital" of Stockton, CA which does include the hard hit community of Weston Ranch sometimes the homes are not in as good condition because people are in distress and so are the homes. But if you have a good … (2 comments)
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stockton: Living in the Foreclosure Capital of America with 2 loans - - How do I get an approval from both loans? - 02/01/08 02:03 AM
2 Loans Short Sale do they work?
What you are looking for when you have 2 loans and you're trying to do a short sale. The Raw Facts on Default, Pre-Foreclosure, Short Sale and Foreclosure
Can this happen ? Yes. You can have 2 loans and still manage to get a short … (2 comments)
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stockton: Housing market is down .... Lets see about lowering your property taxes! - 01/30/08 03:25 PM
Since property values have declined in many cases - especially in the San Joaquin County CA, Stockton, CA area due to the sub-prime mortgage foreclosure rise, this might be a good time to order an appraisal for your home. If the value has declined, you may be able to request lower … (14 comments)
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stockton: Ground Zero.... the Foreclosure Capital of America! Stockton, CA - 01/28/08 02:02 AM
Can I have a minute... to recap 60 minutes from the Foreclosure Capital of America or Ground Zero - Stockton, CA.
Stockton is located 80 miles East of San Francisco and 80 miles North of San Jose. Stockton, CA has a population of over 290,000 people. A large amount of that … (12 comments)
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stockton: Short Sale: Do you have to be in default to get a short sale approved? - 01/26/08 09:27 PM
If you are current on your mortgage, will your lender consider a Short Sale?
The answer is maybe. Some lenders will accept a Short Sale file for approval on loans that are not delinquent. Not that many are documented. Other lenders will not accept the file until the loan is delinquent. The … (11 comments)
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stockton: Bank Owned vs. Short Sales vs. Regular Sales - 01/26/08 09:08 PM
Taking a look at the MLS listings using a small sample of 80 homes and comparing the Bank Owned vs. the Short Sales vs. the Regular sales. Here is what I found for Stockton, Modesto and Sacrament, California
Here is what I found from 80 single family listings in Stockton, CA:
49 are Bank Owned … (8 comments)
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stockton: I live in Stockton, CA (San Joaquin County)- Is a Short Sale right for me? Part I - 01/26/08 01:02 PM
I live in Stockton, CA is a Short Sale right for me?What are my chances of getting a short sale approved. This is a series of post regarding short sale, starting with Stockton, CA but really the information is for any short sale (keep in mind that each state has its … (5 comments)
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stockton: California: News, suggestions, information that is floating around - 01/25/08 01:37 PM
Suggestions and information that is floating around California's News:
Below are some of the news flashes that are going on here in California to try and resolve the foreclosure issues that we are facing here. I am sure as time goes on there will be more and more news flashes, suggestions and … (2 comments)
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stockton: So where does Stockton, CA fit into Home Sales results? - 01/23/08 07:50 AM
Most of the Q4 numbers are in. The prediction is that we will see a rise in Foreclosures before the numbers start to decrease. What are the numbers in your area?
Stockton, CA sold almost half the # of homes as the entire San Joaquin County. Tracy, CA came in second. San Joaquin County has experienced a … (2 comments)
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stockton: California Notice of Default results for 2007 are in! - 01/23/08 07:24 AM
So where does San Joaquin County, CA fit ?
San Joaquin County is the 5th highest in % of change in Notice of Default recording for Q4. In order of % change: San Benito is #1 (314.3%); Monterey is #2 (260.1%); Merced is #3 (203.2%); Sonoma is #4 (199.7%) and San Joaquin County … (4 comments)
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stockton: We hold your Dream in our hearts.... Happy Birthday Martin Luther King! - 01/21/08 05:37 PM
Happy Birthday Martin Luther King, Jr. ~~~ We Love you!
Thank you Dr. King for your courage and dedication to FREEDOM for everyone.
Today is a special day in observance of Martin Luther King (January 15, 1929 to April 4, 1968). I would like to take this time to show my appreciation for Dr. … (16 comments)
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stockton: I bet you didn't know that......... - 01/20/08 02:38 AM
TRUE or FALSE???
Over 2/3 of homeowners in foreclosure, do not realize that their lender does have workout options available to help them avoid foreclosure? Some options will help you SAVE your HOME or will suggest a Short Sale.
That lenders do not really want to take their home? That having excess inventory of foreclosed … (4 comments)
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stockton: Save these... Indefinitely - 01/15/08 01:19 AM
Save These Records..... Indefinitely
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 … (4 comments)
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stockton: Don't Over Improve..... - 01/15/08 12:10 AM
Sellers: this is good advice and it will save you some money.
Many familiies tend to learn to live with a broken doorknob, a torn screen, a cracked window, etc. All of these little things should be fixed prior to showing your home to a prospective buyer.
Use caution in planning major improvements … (8 comments)
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stockton: Something Agents, Mortgage Brokers and Buyers should know..... - 01/14/08 07:37 PM
NEWS FLASH!
Not that it is something smacking brand new....but it is something that agents, mortgage brokers and buyers should be informed about.
By knowing this, it can help to save a deal.
I am finding that most REOs are requiring that the buyers that submit offers include a Pre-Approval or Acceptance from … (8 comments)
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stockton: 3697 Hepburn Court, Stockton, CA 95209 - 01/13/08 04:42 AM
… (10 comments)
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stockton: 1236 Occidental #2, Stockton, CA 95219 - 01/12/08 11:12 PM
Great Investment property. Great location. This 2/1 (840 sq ft) built in 1970, nice, clean condo, kitchen and bath has tile flooring, appliances comes with unit, great neighbors. It is move-in ready. ** Short Sale: Conditions, terms, price, expenses, commissions are upon lender's approval. Commission w/split 50/50 upon lender's approval. One … (4 comments)
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stockton: Cart Before Horse or is it? ..... One Lender's Short Sale approach - 01/12/08 09:11 PM
If you are doing or will be doing short sale -- give this some thought. Came from a City Residential Loss Mitigation Representative.
I spoke to a City Residential Loss Mitigation rep and she told me that she uses a different approach that most on how to work her short sale inquiries. … (4 comments)
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stockton: Sample Letter: Short Sale Letter of Authorization - 01/12/08 03:51 PM
One of the first items an agent will need is to get a Letter of Authorization signed by the owner. This authorization when faxed into the lender will allow your agent the authority to speak with the lender regarding your loan. This does not give the agent the authority to make any changes … (7 comments)
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stockton: What's so SHORT about a Short Sale? - 01/12/08 02:34 PM
Short sale - Can anyone tell me why they call it a short sale? Is it short? Is it close to short?
Here is why I am questioning the name: SHORT Sale. The only thing that is SHORT is your Equity, Value of your home and the lender getting paid short of what … (8 comments)
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stockton: 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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stockton: 369 Gamay Court, Manteca, CA 95336 - 01/09/08 11:37 AM
… (6 comments)
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stockton: 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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stockton: 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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stockton: Listen up! California passed new laws! That may affect you.... - 01/01/08 01:35 AM
2008 California Laws
1. DUI and kill someone, you will be facing murder charges.
2. Smoke in the car with a minor child (under 18) and you will be fined. California's ban would prohibit smoking in a vehicle containing anyone under 18, but the traffic stop would have to be made for another … (10 comments)
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stockton: Are you Short on Equity and Low on Cash? - 12/31/07 11:27 PM
This is a very important question. Here are some more important questions:
Are you in trouble with your mortgage because you have had or are in a hardship? Are you in default with your mortgage? How is your credit? Have you contacted your lender to try to work out a plan to … (0 comments)
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stockton: 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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stockton: Ooh wee! I remember the First Time........ - 12/29/07 02:11 AM
Keep it clean... This is about the The first time homebuyer!
Can you remember back to when and what things you did that will always be great memories to you because they were .....the FIRST TIMER? The same excitement can be found with being the First Time Home Buyer ... (well... almost … (8 comments)
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stockton: When being #1 is bad! - 12/27/07 01:20 AM
California Foreclosure stats
Usually holding first place is an honor... however being #1 in Foreclosures is not an honor that we here in Stockton, California are proud of. Up until the mortgage meltdown, Stockton was hardly heard of. Now I have people calling me from other states and they mention and remind … (12 comments)
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stockton: Are You Ready to Sell Your Home? - 12/22/07 05:20 PM
Do your research, Know the facts, Be prepared and Just do it!
By now I am sure most know that almost everyone know about the number of Foreclosures in San Joaquin County ~ and that Stockton is one of the highest in the foreclosure rate in the country. Although you may not … (2 comments)
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stockton: 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 … (3 comments)
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stockton: 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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stockton: 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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stockton: 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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stockton: 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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stockton: 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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stockton: 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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stockton: 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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stockton: 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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stockton: Stockton, CA voted for road improvement.... and its happening! - 09/29/07 11:17 PM
Stockton is constantly working to improve the road ways and make the traffic flow smooth and safe. Below is the project that is funded through Measure K-the voter-approved, half-cent transportation sales tax, state and federal sources, and development impact fees from the City of Stockton.
Construction on the entire project is … (0 comments)
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stockton: Stockton, CA Market Stats - 09/18/07 04:45 AM
Stockton, CA Stats - This is a breakdown of Residential properties SOLD, ACTIVE, PENDING and EXPIRED for the last 30 days from 8/17/07 to 9/17/07.
Nationwide Stats: 1,562,063 Preforeclosures, 890,355 Auctions, 1,287,675 REOs
… (5 comments)
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stockton: The rankings are in from the top 20 - 08/14/07 09:27 PM
Stockton, CA is the the #1 city with the highest number of foreclosures with Sacramento coming in 4th in the US! There are alot of people in trouble and from the look of the numbers it is not getting any better. Stockton, CA is ranked 1st and has 8,619 active foreclosures, which is … (14 comments)
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stockton: 5827 Dresden Way, Stockton, CA 95212 - HOUSE FOR SALE - Short Sale $340,000 w/$5K credit to buyer - 05/15/07 06:12 AM
Great family home. 3bed/2bath w/2 car garage. Home in prime location: close to schools, shopping centers (WMart&Lowes) & Freeway access (99). House is vacant and will need TLC, good value for price Offered: $340,000 w/$5,000 credit to buyer. Short sale w/lender approval. Sale/Commission split 50/50 w/lender approval. Call listing agents for showing … (0 comments)
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stockton: 3401 Penelope Drive, Stockton, CA/SHORT SALE/ $450,000 w/$7,500 credit for closing & carpet - Great Buy! - 05/12/07 01:53 PM
House for Sale in Stockton, CA - $450,000 w/5k cc credit - SHORT SALE
This is a DREAM home, its almost new with loads of upgrades. This is a MUST buy.Lovely 5bed/3.5bath, w/loft, 2nd master suite downstairs, finished patio, 3 car garage w/work & storage shelving. This 2-story home is located … (3 comments)
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