Ride your Bike to work week - May 11, 2009 to May 17, 2009

It's time to ride your bike to work at least one day this coming week & enter drawing to win a bike & helmet.

Requirements:

1)  pledge to ride your bike or walk to work

2)  enter the contest and fax the form to 468-9930 by May 20th

for more information, go to www.commuteconnection.com or call 209-468-8960, 1-800-52-SHARE...this is for San Joaquin or Stanislaus county

5 great reasons to ride your bike or walk to work:

• New Tax Free Reimbursement for Bikers
• Saving Money
• Great Exercise
• Saving the Environment
• Peaceful commute

If you answer YES to any 2 of these questions, Call, email or text me....

1)  Are you upside down on your home in Ripon, CA?

2)  Do you keep your mail unopened (even though you know you can't pay some of those bills)?

3)  Did you lose your job or have a change in pay recently?

4)  Did someone in your family pass away or come down with an illness that is making it hard for you to pay your bills?

5)  Do you own a home in Ripon, CA? 

6)  Did you get a job transfer to somewhere other than Ripon, CA  & you have to move for your new job?

7)  Are you getting divorced or recently divorced?

8)  Do you have an addition to your family? new baby?  parents now living at home with you? 

Meet with me for a private confidential consultation on your options.  I am a local realtor in Ripon & successfully have completed short sales, personally experienced a short sale in Ripon, foreclosure & bankruptcy, talked people into working with their lender to get their loan modified to an affordable rate. 

Only 20 of the 72 homes for sale in Ripon today are short sales & 6 of them already have buyers.

If you want some REAL answers & solutions to REAL home problems, call me at 209-599-9955 or text me at 209-321-6122 or email christina@christinaoneal.com or direct message twitter me at  http://twitter.com/christinaoneal

Just got a call from Bob about this awesome deal. 

Want to live in Mountain House, CA? 

Would you like a 3600 sq ft home for Christmas for $426,900?

on a 8263 sq ft lot, stainless appliances, granite countertops, tile thru out, even includes the refridgerator.....

here is the floor plan....

first floor & second floor floor plans....

Call me (209-321-6122) or email me @ christina@christinaoneal.com  & we will visit Bob together in Mountain House for a brand new home at

$426,900.....maybe we can get your closing costs paid for too.

Trying to purchase a home?

Have you ever had a buyer that couldn't choose which lender to go thru?

or

Are you a buyer & having a hard time choosing the lender that will be working in your best interests?

1. Get a good faith estimate from both lenders...All that is, is a snapshot of perfect world today & what your loan might look like.
2. Be sure that when you are comparing that you are only looking at the numbers that they (the lender) has control of.  Usually it is in one spot.  I say this because when it comes down to purchasing a house, most of the fees are ones that you have no choice about (ie...title ins., escrow fee, notary, overnight, pre-paid taxes, insurance, etc...).
3. Get all promises in writing, such as points to be paid for what interest rate, any waiving of possible per diem charges.  Have them put it on their letterhead & have the lender sign it.
4. Make sure you are honest with both lenders that you are shopping & are looking to make a final decision.
5. Final thing...If they are both exactly the same, then you need to go on reputation and your gut instinct.

Call me to have me be your REALTOR of choice to purchase in Tracy, Manteca or Ripon, CA at 209-321-6122.

Step by step instructions...

Go to this website:  http://www.sjgov.org/treasurer/OnlinePay.htm

It looks like it is for paying your taxes but it actually will give you the specific property tax bill for any house in San Joaquin County including Tracy. 

• You have to click on the "Don't know your parcel number? CLICK HERE to look it up by address". 
• Then after you know the parcel number of the property address you want to look up, click on the 'I have read and agree with the above disclaimer". 
• Type in the parcel number in the search criteria box & press submit. 

There you go, it should pop up & gives you so much information.  How you can calculate what your future taxes are on this property, would be to take the "prop 13 tax amount" and take your future purchase price & it will be 1% for our area.  For example, if you plan to pay $200k for a home, then you would plop $2,000 in that spot & add up all the rest of the figures because they don't change when you purchase the home for any price. 

Hopefully this helps you tremendously.

If you need more help, email me at christina@christinaoneal.com to set up an appt.

Have you been digging a financial hole for yourself?  How do you stop digging that hole?  It is so much easier than you could imagine to start filling that hole back in & recover.

1st Step:  Make a budget, no even better, be honest & make a spread sheet of your actual monthly spending habits.  You don't need to share with anybody but you & your spouse.  Get real with your expenses.

Do you live in Tracy, Ripon or Manteca, CA?

Email me for a sample spreadsheet (excel format) printed above....

fyi....this suggestion comes from actual experience to getting out

Real Estate Price Trends

The median single family home price as of April 06 2008 for TRACY is $412,839

The average property in TRACY as of April 06 2008 has been on the market for about 61 days.

The median price per square foot for homes in TRACY as of April 06 2008 is about $190

There are about 1,141 properties on the market in TRACY as of April 06 2008.

The real estate market in Tracy is changing rapidly.  At $190 avg sq ft price, 1,141 homes for sale & median price at $413k, things are progressing in a good direction.  Interest rates are still pretty low.

62 HOMES SOLD LAST WEEK!!!!!!! ....notice the spike on the graphs :)

Call me for your neighborhood specific statistics to help you in your own real estate evaluation of Tracy real estate at 209-321-6122, Christina O'Neal

I want my Faith restored & more validation....

Have you ever had a great experience that the banks were a caring entity to YOUR short sale file or YOUR reo file?

Rumors are rumors which are just rumors or maybe your life experience has put you in that thought process...

Laura Gray shared a story that is amazing....A wells fargo asset manager was reading her files & one struck her as odd.  There was a home for sale at $9,000 but not just any home, it was a historical style old mansion.  There was a $30,000 unpaid water bill/lein on the property.  She got excited about the price & knew she would have an offer on her desk to get this home moving to a new buyer....read the full story here

Rich Cruse shared a story about asset managers getting houses ready to be rehabilitated & rented out for now...

As I was researching i found that we need to hear more & more good experiences.  I know they are out there, so lets hear them....reply with some success & good news please....

Real Estate Price Trends
The median single family home price as of March 23 2008 for TRACY is $433,546

Home Sales and Demand Trends
The average property in TRACY as of March 23 2008 has been on the market for about 70 days.

Price Per Square Foot
The median price per square foot for homes in TRACY as of March 23 2008 is about $195

Homes for Sale
There are about 1,071 properties on the market in TRACY as of March 23 2008.

The real estate market in Tracy is changing rapidly.  At $195 avg sq ft price, 1071 homes for sale & median price at $433k, things are progressing in a good direction.  Interest rates are still pretty low.

43 HOMES SOLD LAST WEEK!!!!!!! ....notice the spike on the graphs :)

Call me for your neighborhood specific statistics to help you in your own real estate evaluation of Tracy real estate at 209-321-6122, Christina O'Neal

What are the three things you are looking for in a realtor?

**I want someone to call back or email me in a timely manner....

**I want someone to preview homes for me & report back to me the condition & all....

**I want someone to be my resource & get answers that I need to make a decision about my home purchasing...

These 3 things I can do for you...I would love to help you sell or buy the home of your dreams.  Call me at 209-599-9955 or christina@christinaoneal.com  or log on to my www.christinaoneal.com & start your search.

Take care,