Christina's Bloghttp://activerain.com/blogs/coneal12009-04-22T09:48:22ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)Win a Bike: Bike to Work Week coming May 11 - May 17 in Ripon, CAhttp://activerain.com/blogsview/1045423/win-a-bike-bike-to-work-week-coming-may-11-may-17-in-ripon-ca2009-04-22T09:48:22ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p><strong><span style="text-decoration: underline;">Ride your Bike to work week - May 11, 2009 to May 17, 2009</span></strong></p>
<p><img src="http://activerain.com/image_store/uploads/2/7/2/0/9/ar124041077790272.png" height="173" alt="bike" width="152" style="float: right;" /></p>
<p>It's time to ride your bike to work at least one day this coming week & enter drawing to win a bike & helmet.</p>
<p>Requirements:</p>
<p>1) pledge to ride your bike or walk to work</p>
<p>2) <a href="http://www.commuteconnection.com/assets/pdf/Bike%202%20Work%20Registration_2009.pdf" target="_blank">enter the contest</a> and fax the form to 468-9930 by May 20th</p>
<p>for more information, go to <a href="http://www.commuteconnection.com">www.commuteconnection.com</a> or call 209-468-8960, 1-800-52-SHARE...this is for San Joaquin or Stanislaus county</p>
<p><strong>5 great reasons to ride your bike or walk to work:</strong></p>
<ul>
<li><a href="http://www.commuteconnection.com/assets/pdf/Bicycle%20Commuter%20Federal%20Benefit.pdf" target="_blank">New Tax Free Reimbursement for Bikers</a></li>
<li>Saving Money</li>
<li>Great Exercise</li>
<li>Saving the Environment</li>
<li>Peaceful commute</li>
</ul>
<p><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" alt="" /></p> Questionairre to see if you might qualify to do a Short Sale in Ripon?http://activerain.com/blogsview/1008073/questionairre-to-see-if-you-might-qualify-to-do-a-short-sale-in-ripon-2009-03-29T10:42:08ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p>If you <strong>answer YES to any 2</strong> of these questions, Call, email or text me....</p>
<p>1) Are you upside down on your home in Ripon, CA?<img src="http://activerain.com/image_store/uploads/4/4/2/8/4/ar12383410248244.jpg" height="161" alt="upside down" width="161" style="float: right;" /></p>
<p>2) Do you keep your mail unopened (even though you know you can't pay some of those bills)?</p>
<p>3) Did you lose your job or have a change in pay recently?</p>
<p>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?</p>
<p>5) Do you own a home in Ripon, CA? </p>
<p>6) Did you get a job transfer to somewhere other than Ripon, CA & you have to move for your new job?</p>
<p>7) Are you getting divorced or recently divorced?</p>
<p>8) Do you have an addition to your family? new baby? parents now living at home with you? </p>
<p>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. </p>
<p>Only 20 of the 72 homes for sale in Ripon today are short sales & 6 of them already have buyers.</p>
<p>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 <a href="mailto:christina@christinaoneal.com">christina@christinaoneal.com</a> or direct message twitter me at <a href="http://twitter.com/christinaoneal">http://twitter.com/christinaoneal</a></p>
<p><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" alt="" /></p>
<p> </p>
<p> </p>
<p> </p> Bob just called about Mountain House CA deal of the 2008 yearhttp://activerain.com/blogsview/813974/bob-just-called-about-mountain-house-ca-deal-of-the-2008-year2008-11-30T15:06:07ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p>Just got a call from Bob about this awesome deal. <img src="http://activerain.com/image_store/uploads/1/7/4/5/3/ar122807900935471.jpg" height="93" alt="cell phone" style="float: right;" width="86" /></p>
<p>Want to live in Mountain House, CA? </p>
<p>Would you like a 3600 sq ft home for Christmas for $426,900?</p>
<p>on a 8263 sq ft lot, stainless appliances, granite countertops, tile thru out, even includes the refridgerator.....</p>
<p><img src="http://www.lennar.com/images/elevations/4780002ele1_lg.jpg" id="ctl00_MainContentInsideBorder_imgComm" height="244" alt="Residence 2" width="434" /></p>
<p>here is the floor plan....</p>
<p><a id="ctl00_MainContentOutsideBorder_repFloorplanImages_ctl00_lnkFloorPlan"><img src="http://www.lennar.com/images/floorplans/4780002flp1_lg.gif" id="ctl00_MainContentOutsideBorder_repFloorplanImages_ctl00_imgFloorPlan" height="334" alt="First Floor" width="242" /></a><a id="ctl00_MainContentOutsideBorder_repFloorplanImages_ctl01_lnkFloorPlan"><img src="http://www.lennar.com/images/floorplans/4780002flp2_lg.gif" id="ctl00_MainContentOutsideBorder_repFloorplanImages_ctl01_imgFloorPlan" height="357" alt="Second Floor" width="190" /></a></p>
<p>first floor & second floor floor plans....</p>
<p>Call me (209-321-6122) or email me @ <a href="mailto:christina@christinaoneal.com">christina@christinaoneal.com</a> & we will visit Bob together in Mountain House for a brand new home at</p>
<p>$426,900.....maybe we can get your closing costs paid for too.</p>
<p><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" alt="" /></p>
<p> </p>
<a href="http://digg.com/">
<img src="http://digg.com/img/badges/100x20-digg-button.gif" height="20" alt="Digg!" width="100" />
</a> 5 Steps of how to choose which lender to use for purchasing a homehttp://activerain.com/blogsview/806864/5-steps-of-how-to-choose-which-lender-to-use-for-purchasing-a-home2008-11-25T01:41:38ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p>Trying to purchase a home?</p>
<p style="text-align: center;"><strong>Have you ever had a buyer that couldn't choose which lender to go thru?<img src="http://activerain.com/image_store/uploads/2/0/0/2/2/ar12275986922002.jpg" height="77" alt="question mark" style="float: right;" width="84" /></strong></p>
<p style="text-align: center;"><strong>or</strong></p>
<p style="text-align: center;"><strong>Are you a buyer & having a hard time choosing the lender that will be working in your best interests?</strong></p>
<ol>
<li>Get a good faith estimate from both lenders...All that is, is a snapshot of perfect world today & what your loan might look like.</li>
<li>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...).</li>
<li>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.</li>
<li>Make sure you are honest with both lenders that you are shopping & are looking to make a final decision.</li>
<li>Final thing...If they are both exactly the same, then you need to go on reputation and your gut instinct.</li>
</ol>
<p>Call me to have me be your REALTOR of choice to purchase in Tracy, Manteca or Ripon, CA at 209-321-6122.</p>
<p><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" alt="" /></p>
<a href="http://digg.com/">
<img src="http://digg.com/img/badges/100x20-digg-button.gif" height="20" alt="Digg!" width="100" />
</a> How to find out what your future property taxes will be in Tracy/San Joaquin Countyhttp://activerain.com/blogsview/804300/how-to-find-out-what-your-future-property-taxes-will-be-in-tracy-san-joaquin-county2008-11-23T14:02:29ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p>Step by step instructions...</p>
<p>Go to this website: http://www.sjgov.org/treasurer/OnlinePay.htm<img src="http://activerain.com/image_store/uploads/3/0/7/0/5/ar122747045150703.jpg" height="152" alt="calculator" width="200" /></p>
<p>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. </p>
<ul>
<li>You have to click on the "Don't know your parcel number? CLICK HERE to look it up by address". </li>
<li>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". </li>
<li>Type in the parcel number in the search criteria box & press submit. </li>
</ul>
<p>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. </p>
<p>Hopefully this helps you tremendously.</p>
<p>If you need more help, email me at <a href="mailto:christina@christinaoneal.com">christina@christinaoneal.com</a> to set up an appt.</p>
<p><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" alt="" /></p>
<p> </p>
<p> </p>
<a href="http://digg.com/">
<img src="http://digg.com/img/badges/100x20-digg-button.gif" height="20" alt="Digg!" width="100" />
</a> 1st Step to digging yourself out of a financial holehttp://activerain.com/blogsview/804100/1st-step-to-digging-yourself-out-of-a-financial-hole2008-11-23T11:27:10ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p><strong>Have you been digging a financial hole for yourself?</strong> How do you stop digging that hole? It is so much <img src="http://activerain.com/image_store/uploads/8/0/4/6/2/ar122746094326408.jpg" height="51" alt="shovel" width="66" />easier than you could imagine to start filling that hole back in & recover.</p>
<p><strong>1st Step: </strong> Make a <span>budget</span>, no even better, be honest & <strong>make a spread sheet of your actual monthly spending habits.</strong> You don't need to share with anybody but you & your spouse. Get real with your expenses.</p>
<p><img src="http://activerain.com/image_store/uploads/6/9/2/5/0/ar122746063505296.JPG" height="406" alt="spreadsheet photo" width="603" /></p>
<p> </p>
<p>Do you live in Tracy, Ripon or Manteca, CA?</p>
<p><a href="http://www.christinaoneal.com/contact_me.asp" title="how to email christina">Email me</a> for a sample spreadsheet (excel format) printed above....</p>
<p>fyi....this suggestion comes from actual experience to getting out</p>
<p><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" alt="" /></p> Tracy real estate market update 4/7/08 http://activerain.com/blogsview/459143/tracy-real-estate-market-update-4-7-08-2008-04-07T23:30:33ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p>Real Estate Price Trends </p><p>The median single family home price as of April 06 2008 for TRACY is $412,839 <br /></p><p><img src="http://charts.altosresearch.com/altos/app?s=median&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Median Price of homes in TRACY, CA. Measured on April 06 2008." width="240" /></p><p>The average property in TRACY as of April 06 2008 has been on the market for about 61 days. <br /><img src="http://charts.altosresearch.com/altos/app?s=mean_dom&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Days On Market of homes in TRACY, CA. Measured on April 06 2008." width="240" /></p><p>The median price per square foot for homes in TRACY as of April 06 2008 is about $190 <br /><img src="http://charts.altosresearch.com/altos/app?s=median_price_per_sqft&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Price Per Square Foot of homes in TRACY, CA. Measured on April 06 2008." width="240" /></p><p>There are about 1,141 properties on the market in TRACY as of April 06 2008. <br /><img src="http://charts.altosresearch.com/altos/app?s=inventory&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Inventory of homes in TRACY, CA. Measured on April 06 2008." width="240" /></p><p>The real estate market in <a href="http://www.ci.tracy.ca.us/" title="city of tracy" target="_blank">Tracy</a> 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.</p><p>62<a href="http://www.christinaoneal.com/tracy-3172008-news.asp" title="newsletter" target="_blank"> HOMES SOLD LAST WEEK!!!!!!!</a> ....notice the spike on the graphs :)<br /></p><p>Call me for your neighborhood specific statistics to help you in your own real estate evaluation of <a href="http://www.christinaoneal.com" target="_blank">Tracy real estate</a> at 209-321-6122, Christina O'Neal</p><p><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" id="CreatorImg" height="60" alt="" width="150" /></p> Asset Managers do CARE?....proof is in the puddinghttp://activerain.com/blogsview/445032/asset-managers-do-care-proof-is-in-the-pudding2008-03-29T13:04:18ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p>I want my Faith restored & more validation....</p><p>Have you ever had a great experience that the<strong> banks</strong> were a <strong>caring entity </strong>to YOUR short sale file or YOUR reo file?</p><p>Rumors are rumors which are just rumors or maybe your life experience has put you in that thought process...<img src="http://activerain.com/image_store/uploads/7/4/8/5/2/ar120681380425847.jpg" height="101" align="right" alt="bank" width="128" /></p><p><a href="http://activerain.com/laugray" title="laura gray" target="_blank">Laura Gray</a> 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 <a href="http://activerain.com/blogsview/442596/What-happens-when-the" title="asset story" target="_blank">new buyer....read the full story here</a></p><p><a href="http://activerain.com/rf1721" target="_blank">Rich Cruse</a> shared a story about asset managers getting <a href="http://activerain.com/blogsview/402132/Columbus-Banks-to-Tackle" target="_blank">houses ready to be rehabilitated & rented out</a> for now...</p><p>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....</p><p><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" id="CreatorImg" height="60" alt="" width="150" /></p><p> </p> Tracy real estate market update 3/25/08 http://activerain.com/blogsview/438192/tracy-real-estate-market-update-3-25-08-2008-03-25T08:54:12ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p>Real Estate Price Trends <br />The median single family home price as of March 23 2008 for <a href="http://ci.tracy.ca.us" title="tracy" target="_blank">TRACY</a> is $433,546</p><p><img src="http://charts.altosresearch.com/altos/app?s=median&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Median Price of homes in TRACY, CA. Measured on March 23 2008." width="240" /></p><p>Home Sales and Demand Trends<br />The average property in<a href="http://ci.tracy.ca.us" title="tracy" target="_blank"> TRACY</a> as of March 23 2008 has been on the market for about 70 days.</p><p><img src="http://charts.altosresearch.com/altos/app?s=mean_dom&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Days On Market of homes in TRACY, CA. Measured on March 23 2008." width="240" /></p><p>Price Per Square Foot<br />The median price per square foot for homes in <a href="http://ci.tracy.ca.us" title="tracy" target="_blank">TRACY</a> as of March 23 2008 is about $195 <br /></p><p><img src="http://charts.altosresearch.com/altos/app?s=median_price_per_sqft&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Price Per Square Foot of homes in TRACY, CA. Measured on March 23 2008." width="240" /></p><p>Homes for Sale<br />There are about 1,071 properties on the market in <a href="http://ci.tracy.ca.us" title="tracy" target="_blank">TRACY</a> as of March 23 2008.</p><p><img src="http://charts.altosresearch.com/altos/app?s=inventory&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Inventory of homes in TRACY, CA. Measured on March 23 2008." width="240" /></p><p>The real estate market in <a href="http://www.ci.tracy.ca.us/" title="city of tracy" target="_blank">Tracy</a> 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.</p><p>43<a href="http://www.christinaoneal.com/tracy-3172008-news.asp" title="newsletter" target="_blank"> HOMES SOLD LAST WEEK!!!!!!!</a> ....notice the spike on the graphs :)<br /></p><p>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</p><p><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" id="CreatorImg" height="60" alt="" width="150" /></p> Do you want or need a REALTOR?.....i love to helphttp://activerain.com/blogsview/428471/do-you-want-or-need-a-realtor-i-love-to-help2008-03-18T12:14:18ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p>What are the <strong>three</strong> things you are looking for in a realtor?<img title="three" src="http://activerain.com/image_store/uploads/5/2/8/6/9/ar120586034396825.jpg" height="96" align="right" alt="three" width="145" /></p><p>**<strong>I want</strong> someone to call back or email me in a timely manner....</p><p>**<strong>I want</strong> someone to preview homes for me & report back to me the condition & all....</p><p>**<strong>I want</strong> someone to be my resource & get answers that I need to make a decision about my home purchasing...</p><p>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 <a href="mailto:christina@christinaoneal.com">christina@christinaoneal.com</a> or log on to my <a href="http://www.christinaoneal.com">www.christinaoneal.com</a> & start your search.</p><p>Take care,</p><p><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" id="CreatorImg" height="60" alt="" width="150" /></p> So you want REO listings....get purposefulhttp://activerain.com/blogsview/426738/so-you-want-reo-listings-get-purposeful2008-03-17T11:20:02ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p>I think some of you didn't realize that my blog a few days ago was <a href="http://activerain.com/blogsview/422194/I-have-1-REO" title="affirmation blog" target="_blank">a positive affirmation</a>. I currently don't have any REO listings but I want them too, just like most of you do. </p><p>Here is what I have found out from a co-worker who interviewed a lady that has over 500 REO's, that I think is brilliant. </p><p><strong>So you want REO listings</strong>, here is a suggestion. Start going to all the bank auctions that are in your area. We have a lot of them. When you get to the auction, ask the check in people where is the <strong>Asset Manager meeting</strong> <img title="chairs" src="http://activerain.com/image_store/uploads/5/6/9/9/7/ar120577072179965.jpg" height="117" align="right" alt="chairs" width="151" />going to be. Bring your resume & talk to the asset managers from each of the banks. All of the big name banks are at these auctions & they are in charge of giving the listings out in your area when they come in. Be a good listener & be consistent at asking for what you want. They will get to know your name & that you are serious. I haven't tried it yet, but I intend to <strong>get purposeful</strong> & put it on my calendar. </p><p>Please tell me if you do this & how it goes. Take care & thank you again for believing in my blog, hopefully I can report back that I am successful in getting those 10 REO's & really make those banks love me.</p><p><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" id="CreatorImg" height="60" alt="" width="150" /></p> I have 10 REO listings....the banks LOVE me!!http://activerain.com/blogsview/422194/i-have-10-reo-listings-the-banks-love-me-2008-03-14T00:08:40ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p>My newest & favorite positive affirmation is:<img title="lockbox" src="http://www.gesecurity.com/portal/mdme_cache/mdme_images/t04/0000000/r00705v1.jpg" height="60" align="right" alt="lockbox" width="37" /></p><p>" I have 10 REO listings from an easy to work with bank. The bank loves me because I service them well. I put normal lockboxes on and follow up on every agent that brings buyers thru the home. I have a high sales rate and the listings keep going pending as fast as I get them, so the banks just give me more. Everyone in town knows I take good care of my listings & is very happy to show them." </p><p>There, I said it. Let's do it. Say this five times each morning, noon & night. </p><p>By next week, we will be on fire :)</p><p><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" id="CreatorImg" height="60" alt="" width="150" /></p> Tracy real estate market update 3/13/08 http://activerain.com/blogsview/422166/tracy-real-estate-market-update-3-13-08-2008-03-13T23:45:26ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p><img src="http://charts.altosresearch.com/altos/app?s=median&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Median Price of homes in TRACY, CA. Measured on March 09 2008." width="240" /></p><p>Real Estate Price Trends <br />The median single family home price as of March 09 2008 for <a href="http://ci.tracy.ca.us" target="_blank">TRACY</a> is $444,292</p><p><br /><img src="http://charts.altosresearch.com/altos/app?s=mean_dom&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Days On Market of homes in TRACY, CA. Measured on March 09 2008." width="240" /></p><p>Home Sales and Demand Trends<br />The average property in <a href="http://ci.tracy.ca.us" target="_blank">TRACY</a> as of March 09 2008 has been on the market for about 75 days. <br /></p><p><img src="http://charts.altosresearch.com/altos/app?s=median_price_per_sqft&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Price Per Square Foot of homes in TRACY, CA. Measured on March 09 2008." width="240" /></p><p>Price Per Square Foot<br />The median price per square foot for homes in <a href="http://ci.tracy.ca.us" target="_blank">TRACY</a> as of March 09 2008 is about $197 <br /></p><p><img src="http://charts.altosresearch.com/altos/app?s=inventory&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Inventory of homes in TRACY, CA. Measured on March 09 2008." width="240" /></p><p>Homes for Sale<br />There are about 1,038 properties on the market in <a href="http://ci.tracy.ca.us" target="_blank">TRACY </a>as of March 09 2008. <br /></p><p>The real estate market in <a href="http://www.ci.tracy.ca.us/" title="city of tracy" target="_blank">Tracy</a> is changing rapidly. At $197 avg sq ft price, 1038 homes for sale & median price at $444k, things are progressing in a good direction. Interest rates are still pretty low.</p><p>50<a href="http://www.topproducerwebsite.com/users/16099/images/weeklytracymarketfinal2.jpg?id=0.7902622" target="_blank"> HOMES SOLD LAST WEEK!!!!!!!</a> ....notice the spike on the graphs :)<br /></p><p>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</p><p><a href="http://www.christinaoneal.com/" title="christina oneal" target="_blank"><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" id="CreatorImg" height="60" alt="" width="150" /></a></p> Rename the "short sale to LONG sale"...brillianthttp://activerain.com/blogsview/408695/rename-the-short-sale-to-long-sale-brilliant2008-03-05T14:02:54ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p><strong>The phone rings...</strong>I answer the phone and it is a nice pleasant voice on the other end. She is inquiring about a <img title="foreclosure" src="http://activerain.com/image_store/uploads/6/0/2/9/8/ar120474694489206.jpg" height="101" align="right" alt="foreclosure" width="111" />house I have for sale. She asks me how many bedrooms it is & what is the square footage. I reply that it is a big 3 bedroom at 1811 sq ft & ask if that is what she is looking for. "Susie" replies that is really not what she wants. This buyer is very smart, knows what her families needs are & has been looking for awhile. She has even seen inside other properties & has come super close to purchasing one of them. </p><p><strong>THOUGHTS to PONDER:</strong> why hasn't a realtor been picked to help her thru this whole process?</p><p>continued... We talk further & I offer a couple of times to email her properties that fit her needs. I also ask about her having a committed realtor to help her get the perfect home. She self-discovers that she is searching in a hot price range (ie...everything she likes gets multiple offers before they can jump on it). We talk further about the market & how she is really not interested in purchasing a "short sale", because they take too long to possibly not even get the house in the end. HERE is the BRILLIANT QUOTE:<img title="hourglass" src="http://activerain.com/image_store/uploads/7/2/3/0/8/ar120474709980327.png" height="66" align="right" alt="hourglass" width="62" /></p><p><strong>"THEY SHOULD BE CALLED LONG SALES not short sales, since they take so long"</strong> </p><p><strong>answer to pondering thoughts:</strong> If you are a "Susie", I would love to be committed to be your realtor of choice. It can be a cohesive relationship, where i can help you get a great deal & you could be my first call, when I recognize a great deal coming. <strong>I love my job</strong> and committing to my clients to help fill their housing needs while we work together to make it happen.</p><p><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" id="CreatorImg" height="60" alt="" width="150" /></p><p>209-321-6122 or <a href="mailto:christina@christinaoneal.com">christina@christinaoneal.com</a> </p> Tracy real estate market update 3/4/08http://activerain.com/blogsview/407808/tracy-real-estate-market-update-3-4-082008-03-05T00:15:53ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p><img class="mImg" src="http://charts.altosresearch.com/altos/app?s=median&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Median Price of homes in TRACY, CA. Measured on March 02 2008." width="240" /></p><p>Real Estate Price Trends <br />The median single family home price as of March 02 2008 for <a href="http://ci.tracy.ca.us" target="_blank">TRACY</a> is $466,434 </p><p><img class="mImg" src="http://charts.altosresearch.com/altos/app?s=mean_dom&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Days On Market of homes in TRACY, CA. Measured on March 02 2008." width="240" /><br /><br />Home Sales and Demand Trends<br />The average property in <a href="http://ci.tracy.ca.us" target="_blank">TRACY</a> as of March 02 2008 has been on the market for about 87 days.</p><p><img class="mImg" src="http://charts.altosresearch.com/altos/app?s=median_price_per_sqft&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Price Per Square Foot of homes in TRACY, CA. Measured on March 02 2008." width="240" /><br /><br />Price Per Square Foot<br />The median price per square foot for homes in <a href="http://ci.tracy.ca.us" target="_blank">TRACY</a> as of March 02 2008 is about $201 </p><p> <img class="mImg" src="http://charts.altosresearch.com/altos/app?s=inventory&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Inventory of homes in TRACY, CA. Measured on March 02 2008." width="240" /></p><p>Homes for Sale<br />There are about 969 properties on the market in <a href="http://ci.tracy.ca.us" target="_blank">TRACY</a> as of March 02 2008.</p><p>The real estate market in <a href="http://www.ci.tracy.ca.us/" title="city of tracy" target="_blank">Tracy</a> is changing rapidly. At $201 avg sq ft price, 969 homes for sale & median price at $466k, things are progressing in a good direction. Interest rates are still pretty low.</p><p><a href="http://www.christinaoneal.com/home-wkly-update.asp" target="_blank">41 HOMES SOLD LAST WEEK!!!!!!!</a> ....notice the spike on the graphs :)<br /></p><p>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</p><p><a href="http://www.christinaoneal.com/" title="christina oneal" target="_blank"><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" id="CreatorImg" height="60" alt="" width="150" /></a></p> Suspicious house fire in a Foreclosed homehttp://activerain.com/blogsview/402400/suspicious-house-fire-in-a-foreclosed-home2008-03-01T12:29:10ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p>Are you reading headlines like these?</p><p>Recently, in <a href="http://tracypress.com/content/view/13746/2242/" title="fire in a tracy home" target="_blank">Tracy, we had a house fire that happened the day before they were to be evicted.</a> I know it sounds suspicious, but it saddens me that we as people could judge them without knowing all the facts:</p><ul><li>the bank technically owned the home already.</li><li>their home insurance won't cover them because they did not "technically" own it.</li><li>a Foreclosure notice was posted on their front door for seven days & was not removed.</li><li>the notice was found still on the front door of their burned house.</li><li>their whole family was in the house when it was started.</li></ul><p>What's my point? How can we help, as realtors in this industry, get the word out to homeowners; <img title="house" src="http://activerain.com/image_store/uploads/7/6/3/9/5/ar120439586559367.gif" height="40" alt="house" width="40" /></p><p><strong>"We can help them with some possible betters solutions than just plain losing your house to foreclosure"?</strong></p><ul><li>Call your mortgage lender(s) & ask for a loan modification...</li><li>Call your mortgage lender(s) & ask for a "deed in lieu of foreclosure"...</li><li>Call your realtor of choice & ask them to help you sell the home in a "short sale"...<img title="for sale" src="http://activerain.com/image_store/uploads/8/2/0/5/3/ar120439640635028.jpg" height="130" align="right" alt="for sale" width="89" /></li></ul><p>I just feel for the potential clients out there that do not even know they are in foreclosure. Let's reach out to them.</p><p><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" id="CreatorImg" height="60" alt="" width="150" /></p> Top 2 Mindsets to be a smart buyer of a "short sale" in Tracy, CAhttp://activerain.com/blogsview/400260/top-2-mindsets-to-be-a-smart-buyer-of-a-short-sale-in-tracy-ca2008-02-28T20:10:44ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p><strong><img src="http://activerain.com/image_store/uploads/2/4/7/5/7/ar120425084175742.jpg" height="119" align="right" alt=" " width="145" />1)</strong> You as a buyer must <strong>feel</strong> okay with the price, condition, location & anything else that plays a factor in importance. </p><p><strong>2)</strong> A buyer must also be okay with the wait (possible 4 - 8 weeks) to know whether or not you get to purchase the home. It can be hard to wait with the excitement of getting a new place but hopefully worth it. The "escrow" process, usually 30 - 45 days starts once the bank(s) agree in writing to a certain buyer. The normal in our area is a 30 day escrow. It is quite ironic right now that the banks will make potential buyers wait what feels like an eternity (8 weeks or so) but once they make a decision of which buyer gets the home, you have to close escrow on time or you (as the buyer) will be penalized a daily per diem (such as $500 daily) for closing late. </p><p><strong>Short Sale Process after above</strong>:</p><p>Once the bank(s) gives that approval in writing, more normalcy kicks into play. The buyer gets any inspections to satisfy their needs, they just cannot ask for any repairs. If they are not comfortable with the condition of the home, they only have two choices, to back out of the purchase or go forward with the purchase. You cannot re-negoitiate any terms. Banks for REO Tracy homes & short sales in Tracy are requiring buyers to purchase "as is", sometimes closing costs can be paid by them, possible even the home warranty will be paid too and also 30 days to close seems to be the norm.</p><p> Hopefully that answers your questions about What is the procedure for a buyer of a "short sale" property. Call me for any clarification at (209) 321-6122 or email me at <a href="mailto:christina@christinaoneal.com">christina@christinaoneal.com</a></p><p><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" id="CreatorImg" height="60" alt="" width="150" /></p> Tracy Real Estate market update 2/24/08http://activerain.com/blogsview/394045/tracy-real-estate-market-update-2-24-082008-02-25T02:32:19ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p><img src="http://charts.altosresearch.com/altos/app?s=median&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Median Price of homes in TRACY, CA. Measured on February 24 2008." width="240" /></p><p>Real Estate Price Trends <br />The median single family home price as of February 24 2008 for <a href="http://www.ci.tracy.ca.us/" title="city of tracy" target="_blank">TRACY</a> is $477,498.</p><p><img src="http://charts.altosresearch.com/altos/app?s=median_price_per_sqft&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Price Per Square Foot of homes in TRACY, CA. Measured on February 24 2008." width="240" /></p><p>Price Per Square Foot<br />The median price per square foot for homes in<a href="http://www.ci.tracy.ca.us/" title="city of tracy" target="_blank"> TRACY </a>as of February 24 2008 is about $202 <br /></p><p><img src="http://charts.altosresearch.com/altos/app?s=inventory&ra=a,c&q=a&st=CA&c=TRACY&z=a&sz=s&ts=e&service=chart" height="160" alt="Inventory of homes in TRACY, CA. Measured on February 24 2008." width="240" /></p><p>Homes for Sale<br />There are about 940 properties on the market in <a href="http://www.ci.tracy.ca.us/" title="city of tracy" target="_blank">TRACY</a> as of February 24 2008. </p><p>The real estate market in <a href="http://www.ci.tracy.ca.us/" title="city of tracy" target="_blank">Tracy</a> is changing rapidly. At 202 avg sq ft price, 940 homes for sale & median price at $477k, things are progressing in a good direction. Interest rates are still pretty low.</p><p>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</p><p><a href="http://www.christinaoneal.com" title="christina oneal" target="_blank"><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" id="CreatorImg" height="60" alt="" width="150" /></a></p> ~ 8 things "non techie" BLOGGERs should know ~http://activerain.com/blogsview/335690/-8-things-non-techie-bloggers-should-know-2008-01-11T23:05:46ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p>I have learned some <a href="http://activerain.com/blogsview/335423/I-am-truly-shocked" title="vangie" target="_blank">amazing free things to do to help my website</a> plus fun gadgets to help. <img title="no money" src="http://activerain.com/image_store/uploads/4/1/8/6/3/ar120011430036814.jpg" height="128" align="right" alt="no money" width="128" /></p><ul><li>check out <a href="http://www.flyinside.com/" rel="nofollow">http://www.flyinside.com/</a> (virtual tour website) FREE </li><li>you can advertise your properties for free on <a href="http://www.zillow.com/" rel="nofollow">http://www.zillow.com/</a> </li><li>you can use <a href="http://www.feedburner.com/" rel="nofollow">http://www.feedburner.com/</a> for free to have the ability for people to suscribe by email to your blog. </li><li>try out <a href="http://www.mybloglog.com/" rel="nofollow">http://www.mybloglog.com/</a> , a lot of AR people use it & it shows everyone who has been reading your website. You can sign up for a cool widget to put on your home page on the side. </li><li>check out this one <a href="http://www.free-website-polls.com/" rel="nofollow">http://www.free-website-polls.com/</a> , it gives you just that. I haven't quite figured out how to make it work yet. </li><li>check out <a href="http://www.yugma.com/" rel="nofollow">http://www.yugma.com/</a> by the end of this month. They are giving away free online meetings for a year to bloggers only. All you have to do is ask. </li><li><a href="http://www.meebo.com/" rel="nofollow">http://www.meebo.com/</a> is pretty awesome too. It will give you a widget that you put on your AR home page that if you are online, people can instant message you. I used it this morning for the first time. it was way too convenient. </li><li>Also try <a href="http://www.slide.com/" rel="nofollow">http://www.slide.com/</a> for a FREE interesting virtual tour link </li></ul><p>I am always happy to share the information I have learned. I think the biggest thing for me is that I am not afraid to click & learn. What is the worst that can happen? not sure...</p><p><strong>CHALLENGE:</strong> What can you share that would help others with their AR Blogs & Websites?</p><p><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" height="60" alt="" width="150" /></p> Top 4 things about Bank of America buying Countrywide...what will happen next?http://activerain.com/blogsview/334727/top-4-things-about-bank-of-america-buying-countrywide-what-will-happen-next-2008-01-11T09:10:20ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p align="center"><u><strong>TOP 4 things to ponder about </strong></u><a href="http://news.yahoo.com/s/ap/20080111/ap_on_bi_ge/countrywide" title="b of a buys countrywide" target="_blank">Bank of America buying Countrywide</a>...<img title="money stacks" src="http://activerain.com/image_store/uploads/8/7/8/0/6/ar12000640660878.jpg" height="128" align="right" alt="money stacks" width="128" /></p><ol><li>Are they allowed to do that according to the <a href="http://www.federalreserve.gov/" title="federal reserve" target="_blank">Federal Reserve</a>?</li><ul><li>Analysts think so. Federal law bars banks from acquisitions that would have their market share above 10%. </li></ul><li>How will they pick <a href="http://my.countrywide.com/" title="countrywide" target="_blank">Countrywide</a> back up or will it be no more?</li><ul><li>They say that there will be no "integration" sooner than 2009.</li></ul><li>How many more will <a href="http://www.boston.com/business/articles/2008/01/07/mortgage_job_losses_topped_86000_in_2007_study/" title="86,000 jobs lost in 2007" target="_blank">lose their jobs</a>?</li><ul><li>time will tell...</li></ul><li><a href="http://activerain.com/blogsview/334732/Bank-of-America-buys" title="texas loan guy" target="_blank">Will this really help our mortgage industry</a>?</li><ul><li><a href="http://www.dallasloanguy.com/" title="dallas loan guy" target="_blank">Tom Burris</a> from Texas thinks this could be good. </li><li><a href="http://www.thefhaexpert.com" title="jeff belonger" target="_blank">Jeff Belonger</a> from New Jersey blogged his viewpoint on they <a href="http://activerain.com/blogsview/334753/Countrywide-sold-to-BofA" title="jeff belonger blog" target="_blank">buying of Countrywide from Bank of</a> America too.</li><li>we can all hope...</li></ul></ol><p><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" height="60" alt="" width="150" /></p> Have you ever heard that?..."I am Just Looking"http://activerain.com/blogsview/329493/have-you-ever-heard-that-i-am-just-looking-2008-01-07T00:09:47ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p align="center"><img title="eyes" src="http://activerain.com/image_store/uploads/6/3/1/5/8/ar119968532485136.jpg" height="71" align="left" alt="eyes" width="145" /><u><strong>ring...ring...</strong></u></p><p align="center"><strong>caller says:</strong> "Hi, I would like to know about the house on 65 Patterson Ave in <a href="http://www.mountainhouse.net/" title="city of mountain house" target="_blank">Mountain House</a>."</p><p align="center"><strong>Christina agent says:</strong> "Yes, what can I tell you about it?"</p><p align="center"><strong>caller says:</strong> "I am just looking" etc...</p><p align="left">If a buyer is just looking, that is great. Most of us realtors know that the "just looking" process could take as long as two years. No worries...</p><p align="left"><u><strong>5 steps to "just look" for a house to buy</strong></u></p><ol><li><div align="left">Find a realtor you feel comfortable with & trust them with what you are looking for.</div></li><li><div align="left">Get refered to a lender that you feel comfortable with & have them pre-qualify you for a loan (no matter how far out).</div></li><li><div align="left">Have the realtor send you automated email updates of homes that fit your general criteria.</div></li><li><div align="left">Drive by homes of possible interest at different times of day & days of the week.</div></li><li><div align="left">Keep in touch with your realtor & lender with your progress. They are your eyes & ears for you.</div></li></ol><p align="left">Happy House Hunting...</p><p align="left"><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" height="60" alt="" width="150" /></p> Top 5 Blogs for the techie, blogger, prideful, SEO savvy side of YOUhttp://activerain.com/blogsview/328486/top-5-blogs-for-the-techie-blogger-prideful-seo-savvy-side-of-you2008-01-06T03:22:43ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p align="center"><strong><u>Top 5 blogs for 2007</u></strong> </p><p align="center"><strong><img title="soldier chronicle" src="http://activerain.com/image_store/uploads/4/4/2/9/7/ar119960957979244.JPG" height="253" align="right" alt="terri and larry johnson" width="388" /></strong></p><p align="center">Here is number 5:</p><p align="center"><strong><a href="http://terriandlarryjohnson.blogspot.com/" title="terri and larry johnson" target="_blank">A Soldier Family's Chronicles</a></strong> </p><ul><li><div align="left">will pull at your heart strings</div></li><li><div align="left">give you pride in our country</div></li><li><div align="left">reality stories</div></li><li><div align="left">insight of what it is like for our troops away from their families.</div></li></ul><p align="center"> </p><p align="center"> </p><p align="center"> </p><p align="center"> </p><p align="center"><img title="my tech opinion" src="http://activerain.com/image_store/uploads/8/4/9/3/1/ar119960909113948.JPG" height="211" align="right" alt="my tech opinion" width="390" />Here is number 4:</p><p align="center"><a href="http://www.mytechopinion.com/" title="my tech opinion" target="_blank">My Tech Opinion</a></p><ul><li>great advanced techie tips</li><li>even though they are advanced, you can still do them</li><li>realtors should just follow 10% of what they say & you will go sooooo farrrrrr</li></ul><p> </p><p> </p><p> </p><p align="center"><img title="30 dc" src="http://activerain.com/image_store/uploads/8/0/1/8/5/ar119960995258108.JPG" height="211" align="right" alt="30 dc" width="388" /></p><p> </p><p align="center">Here is number 3:</p><p align="center"><a href="http://www.thirtydaychallenge.com/blog/" title="30dc" target="_blank">Thirty Day Challenge</a></p><ul><li>for the SEO curious in you</li><li>great tips to get more website hits</li><li>explains how to sort out the internet's many dimensions</li><li>you can access all the information without doing a rush of 30 days</li></ul><p> </p><p> </p><p align="center"><img title="mashable" src="http://activerain.com/image_store/uploads/3/0/6/6/3/ar119961072736603.JPG" height="231" align="right" alt="mashable" width="382" /></p><p align="center"> </p><p align="center">Here is number 2:</p><p align="center"><a href="http://mashable.com/" title="mashable" target="_blank">Mashable...social networking news</a></p><ul><li><div align="left">explains what is new & creative</div></li><li><div align="left">how can we utilize it for us</div></li><li><div align="left">social networks such as facebook, twitter, digg, mashable too, etc... and how they might be in the news</div></li></ul><p align="left"> </p><p align="left"> </p><p align="left"> </p><p align="center"><img title="seth godin" src="http://activerain.com/image_store/uploads/8/0/8/2/1/ar11996110012808.JPG" height="325" align="right" alt="seth godin" width="386" /></p><p align="center"> </p><p align="center">ALL TIME NUMBER 1 FAVORITE:</p><p align="center"><a href="http://sethgodin.typepad.com/seths_blog/" title="seth godin" target="_blank">Seth Godin's Blog</a></p><ul><li><div align="left">reminds me of Seinfeld</div></li><li><div align="left">things the mind ponders, yet he dares to put it out there in writing</div></li><li><div align="left">how to market yourself</div></li><li><div align="left">helping others to market themselves too</div></li></ul><p align="left"><img src="http://signatures.mylivesignature.com/85683/christinaoneal/c64b378a686feaed82bbad60a523d6f7.png" height="60" alt="" width="150" /></p> Your rental is foreclosed on, what happens to the renter?http://activerain.com/blogsview/312110/your-rental-is-foreclosed-on-what-happens-to-the-renter-2007-12-19T01:24:37ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p><img title="renting" src="http://activerain.com/image_store/uploads/6/9/7/0/6/ar119804820660796.jpg" height="96" alt="house for rent" width="145" />The Modesto Bee put an article out there that I have been wondering about lately. They talk about what happens to the renter when the house is foreclosed & their landlord didn't tell them they were <a href="http://www.modbee.com/business/story/124616.html" title="renter in foreclosure" target="_blank">losing the house to foreclosure</a>. Here are the options in summary;</p><p>* renter moves out with no problems once the bank tells them they own it now.</p><p>* renter does not move out right away after the bank tells them to get out but offer the "renter" cash for keys for them to leave.</p><p>* Note the "rental skimming law" in California. If the landlord (in their first year of ownership) has their house foreclosed on, the renter can try to get their actual damages back (meaning moving expenses, security deposits & possibly attorney fees too). The catch is that the landlord has to have collected rent in that first year.</p><p>My suggestion is be careful out there when you are trying to get into a rental with your choices you make. Do your due diligence in checking out your future landlord as they are checking on you too.</p>
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</a> What is the difference, Pre-qualification & Pre-approval for loans?http://activerain.com/blogsview/306466/what-is-the-difference-pre-qualification-pre-approval-for-loans-2007-12-13T17:26:08ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
<p><img title="loan picture" src="http://activerain.com/image_store/uploads/8/2/4/6/6/ar119758787966428.jpg" height="125" align="left" alt="loan" width="124" />An interesting question that I forget we should not assume that everyone knows the difference between pre-qualifying & pre-approval for a loan. The basic difference is a:</p><ul><li>Pre-qual is more of a verbal checking of information from a potential borrower..</li><li>& Pre-approval is actually receiving necessary documentation to back up all the verbal.</li></ul><p>Hope this simplifies what the difference is when looking at which one means what.</p> here is my test technorati postTechnorati Profilehttp://activerain.com/blogsview/306416/here-is-my-test-technorati-posttechnorati-profile2007-12-13T16:38:59ZChristina ONeal ~ Ripon, California realtor (Keller Williams Realty)
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