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the mother and daughter realtly team: Hopefully-Homeowner Bill of Rights will heat up before the hot summer! - 05/19/12 02:14 AM
The Homeowner's Bill of Rights - does it just make sense?
Is it true that criminals come out in the summer time? Well Summer is right around the corner! Hopefully, the Homeowner Bill of Rights will heat up before the summer. Why summer concern? The heat will make more people seek shelter in the vacant homes - especially the ones with running water - in the hotter spots of California.
Its something about that cooper wiring that turns a criminal on!!!!
Now, a new concern is on the rise with empty and abandoned foreclosed homes, which are being taken over … (2 comments)
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the mother and daughter realtly team: Homeowners: Requesting a loan modification is not an easy task: Bottle neck: Incomplete file - 04/25/12 10:06 AM
Homeowners: Requesting a loan modification is not an easy task: Bottle neck: Incomplete file
Incomplete file: I was going to try to define this but in the reality of loan modification requests, there is no clear definition!
What is clear: If you have an (incomplete file) – a file that is missing documents, such as missing one required document, the document manager will put notes of an incomplete file and move on to the next file they have to review.
At this point (or a few days later), a generic letter is automatically mailed to … (0 comments)
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the mother and daughter realtly team: NAREB Realtist Week April 15-21 - PUSH it! ... coming to your area! - 03/25/12 06:42 AM
If you do not know about Realtist Week, make the effort this year to find out. It is celebrated nationwide by the National Association of Real Estate Brokers (this year's celebration will be April 15 - 21st). The local chapters will be presenting events all week long. The week will look something like this:
C L I C K H E R E or click the Logo for complete description of the Week's activities and more.
The National Association of Real Estate Brokers will be celebrating "Realtist Week" which is an annual celebration that was acknowledged by … (0 comments)
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the mother and daughter realtly team: How do you know when your flip deal has flopped? - 02/05/12 09:28 AM
Had an incident with a flip property. The seller purchased the property at a steal of a price, did some fixing up and with each nail he must have been thinking that he could get more and more for that property --- and when he hammered that last nail and cleaned up the place - he was certain it was worth way more than what it was. So he set out to sell and not give in to anything lower than what he wanted.
When the appraisal came in -- it was lower than what this seller was asking for this … (2 comments)
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the mother and daughter realtly team: Stockton Home for Sale | HUD Home $127,000 | 1718 Decarli St, Stockton, CA 95206 - 09/11/11 09:49 PM
Two story Weston Ranch home with in-ground swimming pool, just in time for the hot summer. Separate family room with fireplace. Downstairs den that could be converted to a 4th bedroom. Patio area and large storage shed at the side. There is a tile entrance, it is missing carpet. Case #:043-747885.
IE - Escrow Repair $3,300
Interested? Call 866-543-0461
There are no negotiations between buyer and seller when you buy a HUD Home. This can be a real advantage. There’s no haggling about price–everything is spelled out in black and white. What’s more, your offer is responded to promptly, and if … (0 comments)
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the mother and daughter realtly team: Stockton Home for Sale | HUD Home $90,000 | 3333 Princeton Av, Stockton, CA 95204 - 09/11/11 09:38 PM
Great opportunity for this HUD HOME. FHA CASE #043-759353. Located in established community. Central location, near schools, shops, parks and dining. This is a HUD Home. IN/ Escrow Repair: $1210. Interested? Call 866-543-0461 There are no negotiations between buyer and seller when you buy a HUD Home. This can be a real advantage. There’s no haggling about price–everything is spelled out in black and white. What’s more, your offer is responded to promptly, and if it’s accepted, closing on the home usually will occur within 30-60 days.
Stockton Home for Sale | HUD Home $90,000 | 3333 Princeton … (1 comments)
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the mother and daughter realtly team: Stockton Home for Sale | HUD Home $120,000 | 2299 Port Trinity Cir., Stockton, CA 95206 - 09/11/11 09:32 PM
This is a HUD Home and Sold As-Is! Fixer upper. This is a 2 story 4 bedroom, 2.5 bath home with 2117 sf. built in 1989. Disclosures: Subject may have unpermitted addition, State law requires Carbon Monoxide detectors be installed for properties having combusitble fuel heaters/furnaces, fireplaces, hot water heaters, clothes dryers, cooking appliances or an attached garage, but seller (HUD) is exempt from this requirement as a Federal Entity, Recommend replacing broken windows and sliding door, plumbing and HVAC inspections.
There are no negotiations between buyer and seller when you buy a HUD Home. This can be a real … (2 comments)
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the mother and daughter realtly team: Turlock Home for Sale | HUD Home $146,000 | 3942 Heartland Way, Turlock, CA 95382 - 09/11/11 09:26 PM
This home is located in Turlock. Quaint & Cozy 3 bedroom 2 bath home in an established area of Turlock. This is a HUD Home. There are no negotiations between buyer and seller when you buy a HUD Home. This can be a real advantage. There’s no haggling about price–everything is spelled out in black and white. What’s more, your offer is responded to promptly, and if it’s accepted, closing on the home usually will occur within 30-60 days.
Turlock Home for Sale | HUD Home $146,000 | 3942 Heartland Way, Turlock, CA 95382 … (0 comments)
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the mother and daughter realtly team: Stockton Short Sale | Not Afraid of Virginia Wolf or a Short Sale... bring them on! - 09/05/11 11:42 AM
I am not afraid of Virginia Wolf or short sales! Said the big bad real estate agent from Stockton, CA. I thought we had lost a short sale because the buyer walked while in escrow and the property has been threatening trustee sale for a while now. So as much as I am not a "give up" agent... I thought I had lost this one. But no, wait... said the lender hold on and put it back on the market and lower the price.
Now who does that? I mean an agent would do that but to have the lender suggest … (1 comments)
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the mother and daughter realtly team: ..attention short sale negotiator... you are in the middle of reviewing the file - right? ...then why foreclose before you finish reviewing? - 09/04/11 06:43 PM
It beats the heck out of me why a negotiator would not request/ or just do to extend the sales date if they are the ones that are reviewing the file!! Servicer refuses to stop a scheduled foreclosure sale on a borrower's house while the borrower is being evaluated for HAMP/HAFA.
If you engage in short sales you know that it is very hard in most cases, to get an extention. I mean it is right next to a act of God to get a postpondment for a trustee sales date. This should not be because the bank is aware of … (1 comments)
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the mother and daughter realtly team: Stockton, CA |Turner Cut - get your relax on! - 09/04/11 03:21 PM
30 Days In September 2011 Localism Posting Challenge
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Like camping, fishing and cabins? Stockton, CA - Turner Cut is a great place to go during the holidays and just relax, fish and enjoy the outdoors.
Turner Cut Resort is a marina located on the California Delta. We border Stockton and Tracy city limits. Easy access to our campgrounds, launching, docking, gas and restaurant make this family-owned marina a charming retreat. September is usually the last month we feel safe about planning on outtings that will not get interrupted by rain. Well, its September! Try Turner Cut. … (0 comments)
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the mother and daughter realtly team: Homeowners | If the investor of your first lien is GSE - you may qualify for HAFA! - 09/04/11 01:10 AM
I hope this is not happening but for some reason, I believe that it is. Homeowner call the lender to ask them about the HAFA program... (this is a Fannie Mae) property owner. The homeowner wants to be considered for the HAFA program. HAFA stands for Home Affordable Foreclosure Alternatives. The homeowner is told that the lender does not offer HAFA program. The truth of the matter is the investor is a GSE. Now this is a GSE mind you. GSE is short for Government Servicer such as Fannie Mae and Freddie Mac.
So sure they do HAFA. GSE stands for … (0 comments)
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the mother and daughter realtly team: ARE YOU READY FOR THE GOVERNMENT TO BE YOUR LANDLORD? - 09/02/11 03:41 PM
The talk has been softer and lower - just above a whisper --- none-the-less there has been talk for a while. Now the noise is louder (Government might turn foreclosures into rentals) its louder and louder and usually this means it is almost a done deal. If we do not scream that we think this is a bad idea for the economy (to say the least), communities and for the homeowners that have really suffered a hardship and just need a loan modification or some assistance -- instead of getting a foreclosure on their record and then being able to rent back (until … (3 comments)
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the mother and daughter realtly team: Stockton Buyer| Sure this property has potential, but first it needs 203k financing or the king (CASH) - 09/02/11 09:00 AM
First Time Buyer: where did you go? Did you get upset and felt that I did not know what I was talking about when I told you that the property that you insisted on having is going to have a rough time passing FHA? I mean did you think I didn't know what I was talking about when suggested we check with your loan officer to make sure you could work your financing to include in 203k financing because it would not pass staight FHA appraisal?
This market condition has a variety of buyers that are surfing the internet and calling … (2 comments)
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the mother and daughter realtly team: Just like Eric Frazier says (every Thursday)... The Power is NOW! - 09/02/11 01:35 AM
Have you taken a listen to The Power is Now weekly broadcasts that Eric Frazier (an ActiveRain Member) heads. Eric has put together these weekly broadcasts and have a line up of some the most beneficial guests for real estate professionals. These guests share real estate secrets on how to enhance and build your real estate business and how to balance your business and life.
These broadcasts are aired on www.blogtalkradio.com every Thursday from 10:30 to 11:30am (sometimes it gets so good that it spills over to 11:45am - like it did this Thursday).
The guest speaker for September 1, 2011 … (2 comments)
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the mother and daughter realtly team: Facebook Business Pages - can be fancy but who knows how? - 09/01/11 06:13 AM
I am so proud of me and the work that I have done on my facebook page! My business page. I was determine to finish this. Now it may not look that good to you, but to me it is a work of art that could use more personal touches. Don't be so hard on me its my first one!
I am going to do more research and find out how to get it just like I want, but for now this will have to do.
Let me introduce my "under construction" facebook business page: The Mother and Daughter Realty Team
… (18 comments)
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the mother and daughter realtly team: Stockton Home Buyers| Home Warranty| get your umbrella at closing - 08/31/11 12:31 PM
Do you offer home warranty programs to your buyers? This is important and it is a good practice to have a home warranty program for your buyers. Some agents will not offer any incentives to their buyers and then others will. Why is it important that your practice be to make sure all your buyers obtain a home warranty policy with close?
Well, do you like getting those calls from your client after they have moved in and "things are not working properly"? Did you know that Errors and Omissions Insurance companies ask this question: Do you offer Home Warranty programs … (0 comments)
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the mother and daughter realtly team: Stockton Home Owners| " I can't find my mortgage statement" is common but not good! - 08/28/11 11:10 PM
The other day I was talking to a homeowner that indicated that she needed help. When I explained what she needed to work on gathering for me - she said right out ... I just do not know where those papers are. It has been a spinning couple of years and I truly have not been keeping up with the papers, mail or calls that has been coming at us.
I explained to this homeowner that the documents are most important in order to get the ball rolling and time is of the essence.
current mortgage statement: this one seems to … (4 comments)
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the mother and daughter realtly team: Stockton Home Owners| " I can't Afford My Current Mortgage" is definitely a Hardship - 08/28/11 10:50 PM
When you hear a Stockton homeowner say "I can't afford my current mortgage" you know right away that they have a real problem. And you wonder why the lenders are not paying more attention to what the homeowners are saying. If they are saying they cannot afford their mortgage --- this usually means that the mortgage is not going to get paid.
Some of the problems that cause the mortgage to get behind:
My cash reserves is so low - you can't squeeze out another mortgage payment Low liquid assets Insufficient funds in the bank Basic living expenses are out of … (0 comments)
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the mother and daughter realtly team: Stockton Home Owners| "My Expenses have increased" - can be a Hardship - 08/28/11 10:39 PM
Anytime your expenses get out of control and become more than what you are bringing in... there is a problem! In many cases this has turned into a major problem for so many homeowners. Especially in the Stockton, CA area - ground zero at one point. The problem is still not over and there are few homeowners that have suffered through this crisis that are any closer to recovery.
This is where we as real estate professionals come in - we should extend our help in the community recovery system as well. Some of the examples of expenses increase:
Monthly mortgage payment … (0 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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