Find and Buy Foreclosure Bargains in Imperial Valley CA
First time home buyers, trade-up buyers, investors and bargain hunters are able to easily search and find Foreclosure bargainst to buy in Imperial Valley.
Home buyers can search properties in three foreclosure categories, PreForeclosure, Auction (Trustee Sale), and Bank Owned homes.
"I'm giving home buyers another choice when it comes to searching the internet for their dream home" says REALTOR(r) Frederic Din of EXIT Stepping Stone Realty, who is offering clients a value added search on his websites and blogs.
"It's simple, enter a city or zip code in the search bar below and select from one of three foreclosure categories to find and buy your foreclosure deal in Imperial Valley CA", says Frederic.
Search from areas within Imperial Valley such as Brawley 92227, El Centro 92243, Calipatria 92233, Westmorland 92281, Imperial 92251, Heber 92249, Holtville 92250 and other cities throughout the area.
If you find this search tool to be valuable in helping you find your dream home or bargain deal, contact Frederic and let him represent you as your buyers agent in the home purchase transaction.
Take a few moments to leave your comments on how you used the search to find your dream home.
As a REALTOR® in Imperial County, CA I provide value opinions known as BPOs (broker price opinions) and CMAs (comparative market analysis) for a variety of private and professional clients and track housing prices for neighborhoods and areas throughout Imperial County for my home buyers, short sales, and REO disposition clients.
I am interested in news stories regarding our local housing market, whether positive or negative. News articles allow me the opportunity to digest the information and interpret housing trends for my clients. Local IV Press confirms what I've said all along.
Elizabeth Varin, a staff writer with the Imperial Valley Press wrote an article regarding housing prices in the El Centro CA area or Metropolitan Statistical Area (MSA) entitled "Housing Prices Fall in EC Area".
The article confirms what I've said all along, "it's a great time to buy a home in Imperial County, CA".
Zillow maintains their "Zestimate® is accurate "...depending on the home data received...in your area". Zestimate® home data is pulled from public record data and "is public because it's the consumers right to have access to information about ... their home" value.
The "Value Range" associated with the Zestimate® provides a low and high range for value associated with the property.
In short, the median home prices that Zillow provides are based upon their Zestimate® and Value Range as described above.
Historically relying on these types of values can potentially be skewed in terms of the low range, or be off the mark based on the high end.
As a service to my home buying public, I pulled out my Imperial Valley housing stats to review any differences or discrepancies in the housing price data.
In September 2008, the median housing price for Imperial County was $165,000, which is 26.67% less than the September 2009 median housing price of $121,000. The median house price for October 2009 is $120,000, a negligible price difference. Median sales prices from April through August 2009 remained only slightly higher than September.
While housing prices have noticeably dropped during the last few years, there are certain areas and neighborhoods in the County which are experiencing slight value increases and stabilization.
Coupled with the extended Home Buyer Tax Credit of $8,000 for first time buyer will assist those making the move through mid-2010 is expected to bolster home sales. In addition to extending the first time buyer tax credit, a new $6500 tax credit for existing home owners was introduced.
What does this mean to home buyers in today's market?
All of this good news means one thing; it's a great time to buy a home in Imperial County. So whether buying you're first home or your dream home, one thing is clear, housing prices are down about ½ from their previous lofty prices a few short years ago.
If you're in the market to buy a home, talk to me, Your Imperial Valley Housing Specialist about your favorite neighborhood, this way I can help you find the right home at the best price in the market today.
July 2009 Housing Stats for Imperial County compared to July 2008
Housing Stats for Imperial County, CA (also known as Imperial Valley, CA)
Recently I reviewed listing service data for JULY Housing Sales stats for Imperial County, CA homes, including condo/townhomes (attached) and single family (detached) homes and compared them to housing stats of July 2008 to spot any significant trends of use to my readers, potential home buyers, and investors. The following is a compilation of my analysis comparing July 2008 and July 2009.
July 2008 - The number of SOLD homes: 76 July 2009 - The number of SOLD homes: 125 Increase of 39.2% from 2008
July 2008 - Average SOLD price: $204,359 July 2009 - Average SOLD price: $126,485 Decrease of 38.1% from 2008
July 2008 - The Median SOLD price: $196,000 July 2009 - The Median SOLD price: $128,500 Decrease of 34.4% from 2008
July 2008 - Average SOLD Price % ~vs~ Listing Price:98.13% July 2009 - Average SOLD Price % ~vs~ Listing Price: 99.66% Virtually unchanged - Increase of 1.5% from 2008
July 2008 - Average PRICE per Square Foot: $111.65 July 2009 - Average PRICE per Square Foot: $77.60 Decrease of 30.5% from 2008
July 2008 - Average MARKETING Time (known as DOM): 103 Days July 2009 - Average MARKETING Time (known as DOM): 65 Days Decrease of 36.9% from 2008
July 2008 - Average SALES Cycle Time (known as True DOM): 174 Days July 2009 - Average SALES Cycle Time (known as True DOM): 71 Days Decrease of 145% from 2008
If you have questions about the Imperial Valley area, please feel free to contact me if you're thinking about buying, selling, short sale, or want to modify your mortgage to your Imperial County, CA home.
I'd like the opportunity to provide you with up to date information, along with a customized housing market analysis and plan that will surely keep you ahead of the real estate cycle curve.
Looking to buy a home? Get your own customized Home Search for up-to-date information of homes that fit your home buying needs in all areas of Imperial County including foreclosures, bank owned, REO, short sale, and market listing homes. Some homes may be probate or estate sales, as well there may be fixer-upper homes at various price levels from $15,000 to $250,000 depending on the area, style, size, age and condition of the home.
Thanks, Frederic Din, REALTOR(r) Your Imperial Valley Housing Specialist 619-241-4415 cell info@ivforeclosures.com
I was going to call this article "Don't Shoot the Shooter", (picture shooter that is) since people seem to get defensive when I'm on their street taking pictures of houses for comparables and BPO reports. It seems as if they have the right to tell me not to take pictures of their house or even the neighborhood. Why not, I'm on public property, right?
Maybe I will start writing a series of short articles of my BPO and REO property inspection encounters. People for the most part are cooperative and understanding, however once in awhile there's a special and unique individual that stands out from the crowd. I will do my best to protect their identity and the housing area I'm talking about, but the stories are simply incredible and must be told, but now its time to explain just what a BPO real estate agent does. Thanks for reading.
It's a Wednesday afternoon and you're watching TV after a long day at work when you notice a vehicle parked in front of your home with the engine running idle. You decide to investigate further and notice the driver is taking a picture of your home, what comes to mind?
You've just encountered "a shooter" someone who has been contracted by a third party company to take pictures of your home and report as to the condition and provide an opinion of value regarding your home.
Introducing the BPO real estate agent. The acronym BPO stands for Brokers Price Opinion, they are an abbreviated valuation report are used by banks, lenders, mortgage companies, servicing agents and third parties to quickly and efficiently determine the market value of their asset (your home), which if you have a note or mortgage on your home, it is their right to do so. The servicing agents and third parties may also use a report called a CMA, a Comparative Market Analysis, which is which very common in the real estate world.
What does a BPO agent look for and do while at your property? First you must understand there are two basic types of BPO reports. One is called the "drive-by", which is an exterior only type of report where the agent has to make many assumptions regarding the property condition since it may affect value. I am a BPO real estate agent located in Imperial Valley or Imperial County, California, and I perform many BPOs in El Centro, Brawley, Calipatria, Calexico, Imperial, Heber, Holtville, Westmorland, and other surrounding cities monthly for variety of national clients, so allow me to explain the BPO process to you in basic terms.
Typically a BPO real estate agent will take three to five pictures of your home for a drive-by or exterior BPO, although they may only use one picture for the final report, it all depends on the client. Most obvious, its important for the agent to take an unobstructed full frontal view picture of the home, this will help the agent determine the type of elevation (look) of the property and allow to compare to other similar homes in the area. Next a side view picture is taken to determine if there are any patio covers, guest houses or other buildings on the property in the rear yard that may affect value.
The agent will more than likely take a picture of the house numbers to verify the address of the property as well a street view picture is taken from in front of the home looking down the street which gives a snapshot of what the neighborhood looks like. Some agents will also take a picture of the street sign corner for location orientation, opposite street view picture, a snapshot of the other side of the home, or even the rear yard if an alley way or rear or side street abuts the home, a picture may even be taken across the street if there is a view or amenity that could affect value either positively or negatively.
Most BPO reports require the use of MLS (multiple listing service) listing and sold comparables to arrive at an opinion of value. Remember a BPO is not an appraisal. A BPO is an opinion of value range of a specific property at a specific point in time and are used internally by the bank for their purpose. Most banks and lenders who request these reports from third parties want to know if the home they've lent hundred of thousands of dollars on is still there or in good condition.
BPO reports are used for internal purposes of the bank or lender requesting them. Some have to do with "servicing requirements" which the word servicing means the bank or lending company who sends you the monthly mortgage statement and who you send your payment to, the ones who collect your money.
Generally banks and lenders will act as their own servicing agent, collecting payments, generating mortgage statements and providing analysis of your property taxes and insurance, called an "escrow account" (not to be confused with an escrow transaction involving the purchase, sale, or refinance of a property, however often times a servicing agent is acting on behalf of the bank or lender, which in turn they collect a fee for managing a portfolio of mortgages, which includes sending out the statement and the payment collection process.
As listed on your Note (the mortgage loan) and your Deed of Trust (in trust deed states the deed is your "pink slip" to the home, so to speak), the lender has a right to check on their collateral and to perform reasonable inspections of the property, most lenders do this with a drive-by or exterior BPO report.
What types of reasons a bank or lender may request a drive-by BPO? There are numerous reasons why a bank or lender may request a BPO, they may include, a transferring of your mortgage in or out of the portfolio (group of loans), your loan got sold to another lender and the buying lender wants to know what their collateral is worth, it could be for mortgage insurance (PMI) reasons, perhaps the homeowner is seeking a loan modification of their mortgage terms to lower payments and/or interest rate, maybe the bank is making a decision on a short sale or bank owned REO property status. The homeowner could be past due or delinquent on their payments and the bank wants to determine how much of a potential loss they're facing. A BPO can be used for preventive and factual purposes regarding determining value.
As many reasons as people borrow money is how many reasons why a bank or lender would request a BPO, in short, to get an quick snap shot of the market value of the home in order to make a decision. Most banks and lenders will order more than one BPO and many will also order an appraisal to determine how close the value ranges are amongst the reports to better help them in making their value decision.
Sometimes it becomes necessary for the BPO real estate agent to go inside the home and perform what is called an "interior inspection". These types of reports are for the same purposes as the drive-by, with the exception there are photos taken of each room and any damage or deferred maintenance issues that may affect the value of the property. Either way the BPO is an opinion of market value and often times include a value range of what a home would sell for in as little as 30 days, to regular sale marketing cycle time frames of 60, 90 and 120 day prices ranges.
The interior BPO is generally requested by a bank or lender when the property is in the process of being sold or transferred, such as by a short sale, or when the property becomes bank owned such as an REO status (real estate owned), or maybe even for a loan modification. The interior BPO provides more detail regarding condition of the home, as opposed to just viewing the home from the exterior or outside. More details about the homes condition, such as flooring, walls, systems, damage to the structure, etc go into each BPO report, while additional pictures are taken to give the bank or lender a better idea of what their collateral looks like and what condition the home is in.
Condition affects value and the banks need to know this before they make a decision on what the sales price is going to be with regard to a short sale or bank owned listing in order to sell the property in a realistic time frame without giving the home away (going too low) or having the home sit on the market too long (going too high). .
In conclusion the BPO real agent serves a vital position to the real estate community to both homeowners and banks/lenders by being the eyes and ears of the banks and lenders, they ultimately own these homes, so they can make intelligent unbiased decisions on how best to price their property to sell in the current market environment within a specific time frame.
So the next time you see someone sitting in front of your home or driving by and taking pictures, know they are doing it for your benefit if you're requesting a loan modification to lower your payment or interest rate, or if you are selling your home, a BPO real estate agent will be sent over to take pictures.
Ultimately the BPO real estate agent is working to help you accomplish a goal, which may be to lower your monthly mortgage payment and interest rate, or to help you get out from under a high payment mortgage or upside down loan, either way the BPO real estate agent is on your side and is there to help you, so please don't shoot the shooter.
Since I am a BPO real estate agent feel free to ask me for assistance. I can help you help with your mortgage payments and if think you may lose your home to foreclosure, please contact me to talk about how you can walk-away from your home without messing up your credit. I will be happy to go over the process of getting out from under your upside down house and eliminate your mortgage payment while protecting your credit report and credit history long term.
Call Frederic Din, Your Imperial Valley Housing Specialist at 1-619-241-4415 or contact me via email info at ivforeclosures.com
Are you looking for foreclosure, short sale and great property deals in Imperial County? Visit my website http://imperialvalleyreo.com for listings of homes for sale. Interested in a certain home, I can help you buy any home you see listed.
I am Your Imperial Valley Housing Specialist, DRE Lic #01274420
According to the report, the Top Spot in the US, a place where they can claim to be Number 1 is Las Vegas-Paradise, NV with just over 2/3rds of all mortgages underwater! California is ranked as Number 3 in terms of having the highest foreclosure rate of one of every 138 households statewide, while Nevada ranks as Number 1 with one of every 68 households in foreclosure.
For individual homeowners, being “underwater” on a mortgage – when a home is worth less than outstanding debt, or has “negative equity” – is one of the worst positions to be in, short of foreclosure.
According the article, Zillow states the following information regarding the El Centro, CA MSA (MSA is short for metropolitan statistical area) of which El Centro received its designation earlier in the decade as an MSA by combining cities within the county to provide an aggregate representation of the entire county.
Zillow.com's findings are: 11. El Centro, CA
Homes with negative equity: 41.2%
Of Homes Sold in Last 12 Months:
Foreclosure transactions: 47.7%
Shore sale transactions: 4.7%
Zillow Home Value Index: $153,214
Year-over-year change: -21.9%
Last time market was at current levels: Q1 2004
Change from market peak: -42.9%
You can see more real estate related information as well as videos regarding the Imperial Valley real estate market including monthly MLS sales, pending sales indexes, median sales prices, and average days on market and more by clicking on the Monthly Real Estate Sales Report updated monthly by the 20th of the month and covers information from the previous month.
Your comments and questions are important to me.
If your mortgage is underwater and you WANT OUT, I will help you "walk away" and get a FRESH Start while protecting your credit history and avoiding foreclosure.
It's not just a catch phrase, it's serious thinking.
If you're attempting a loan modification to keep your home, your bank and lender LOVE you since they're trying to find a way to keep you in debt (they will not be lowering your loan balance). Sure, they may lower your monthly payments for 6-months or even 5-years but rarely do we see a long term modification that both impacts principal balance and the term(they happen, just not often at all).
Your debt is still much higher than what your home may be worth now however if your monthly payments are affordable you're able to keep your home, upside down and all.
Long term, it may not be so bad, however what happens in three or five years when your temporary loan mod reverts back to its regular terms? Then what?
Also, to help lighten the air, I found a great song that exemplifies the mantra, which can be viewed by clicking ---> Loan Mod Fail Think Short Sale
Do you have additional questions regarding a Loan Mod (loan modification) or Short Sale? Allow me to help and review your situation to determine the best course of action for your situation.
PS If you like the song, please vote for it and pass it along to others you know, thanks!
"Loan Mod Fail Think Short Sale is (c) 2009 by Frederic Din, all rights reserved"
The following is the print posting of a story in the Los Angeles Times regarding the Imperial Valley economy entitled "Deepening woes for the Imperial Valley" by bureau chief Tony Perry. Please comment below, I am interested in what you have to say. I call this version of the story, Imperial Valley: Hardship and Hope
From the Los Angeles Times
COLUMN ONE
Deepening woes for the Imperial ValleyThe remote region in California's arid southeastern corner has a long history of hardship and hope.
Now, an economy in free fall has residents wondering how much worse it can get.
But even by historical standards, the latest bust in the region's cycle of hardship and hope has been profound.
Never-completed subdivisions resemble movie lots waiting f8or a picture set in a typical Southern California suburb. Men who had found high-paying jobs building homes are back in the fields -- if they can find work at all. View the Audio Slideshow by clicking here.
"The valley has never seen things this bad, never," said Roy Buckner, Imperial County assessor and a lifelong resident of Brawley. "This is the worst."
Desperation has always had a place in the Imperial Valley's story.
Hard upon Mexico and the Colorado River in California's arid southeastern corner, the valley has never been an easy to place to live, not with its isolation, austere landscape and blistering heat.
Legend holds that a Franciscan friar traveling with early Spanish explorers declared it a "deadly place" and urged the group to move on. Naturalist John James Audubon took a look in 1846 and pronounced it "most melancholy."
Since the early 1900s, when buccaneer capitalists organized the Imperial Land Co. and began large-scale irrigation, its fortunes have depended on the unpredictable farm economy. In recent decades its unemployment rate has remained high -- sometimes the nation's highest -- even when the rest of the state is prosperous.
Name the state statistic, and Imperial County (population: 172,000) is usually near the top or the bottom, whichever is worse: per capita income, welfare recipients, families below the poverty line, elderly living in poverty and so on.
From 1983 to 1999, while unemployment statewide averaged 7%, unemployment in Imperial County was 27%. Last year, the county's year-end average was the highest in the state.
In March, the unemployment rate was 25.1%, the highest in the United States for any area with at least 50,000 people.
Farmworkers have always led the jobless ranks, but others have joined them: truck drivers, construction workers, retail salespeople and service industry employees. Teachers and school employees could be next. Even a repo man, after capitalizing on the economic downturn for months, is facing an uncertain future.
In a crowded classroom in an El Centro strip mall, some of the valley's jobless come to learn new skills and rescue what is left of their dreams.
Tony Arispe and two dozen other unemployed workers are studying to become pharmacy technicians. The 37-year-old Arispe lost jobs as a truck driver and bar manager and lost his home to foreclosure.
"I'm putting my family through misery right now because I'm not working," said Arispe, who is married with a 5-year-old son. His home, once valued at $285,000, he said, is for sale by the bank for $100,000 -- with no takers.
Carla Balbastro, 34, lost her job at a lumber company in August. Then she had to move out of her apartment. "I felt like a failure," she said. "I didn't even know how to tell my parents."Now she lives with them in Calexico.
Jose Gastelum was laid off by a cellular-telephone outfit. "I was planning to get a house," the 23-year-old said.
Instead of shopping for a home, he's worried about not making the next payment on his car. "I get kind of depressed," he said. "I don't have the life I used to have."
The class is run by the Imperial Valley Regional Occupational Program. Roberto Avila, who has worked for the training program for 15 years, finding jobs for veterans, has started for the first time to counsel job seekers to look outside the county.
The program's superintendent, Mary Camacho, said of the unemployed who seek help: "They come here so very desperate it makes you cry. I want to stop their bleeding, but often I can't."
Imperial County's main cities -- Brawley, El Centro and Calexico -- are residential and commercial islands amid vast cultivated fields, with major streets chockablock with fast-food restaurants and small businesses. Larger shopping centers -- including a new Wal-Mart Supercenter in Brawley -- have begun to put pressure on smaller, older retailers.
Besides its 500,000 acres of cropland, the county is known for the smelly and environmentally endangered Salton Sea, the New River (once designated the most polluted in America), buggy-friendly sand dunes, the Brawley Cattle Call Rodeo and the Navy's Blue Angels, whose winter base is in El Centro.
The Pioneer Museum, across from Imperial Valley College just north of El Centro, is devoted to exhibits about the grit of the immigrants who arrived as farmers in the early 20th century: Koreans, Swiss, Greeks, Chinese, Italians, Portuguese, Mexicans, Filipinos, French, Lebanese, Japanese, East Indians and African Americans.
The museum also has an exhibit about the county's unofficial (and fictional) heroine: Barbara Worth, the plucky orphan who survives numerous challenges in a bestselling 1911 novel set in the valley.
"We're a lot tougher than people think," said Lynn Housouer, the museum's director of operations. "You have to be tough to survive in the Imperial Valley."
For Carlton Hargrave, operator of the Hometown Buffet in Calexico, the worst part is the uncertainty. With its buffet style and friendly atmosphere, his 400-seat restaurant has long been a popular spot favored by government employees, farmworkers and politicians.
With business down a third, Hargrave laid off 23 employees, many of whom had been with him for years. A recent lunchtime was the slowest day in his 16 years at the restaurant.
"Nobody knows when we're going to bottom out," Hargrave said. "I've laid off 40% of my employees, and I don't know if that's going to be enough."
Marco Recio, the repo man, is also feeling the pinch after months of reaping a windfall as banks and other lenders hired him to reclaim cars, trucks and farm and construction equipment. In a windowless room, his four employees search for debtors in phone books and on the Internet.
But people appear to be leaving the valley or getting better at eluding Recio. That's hurt his business as lenders have become more aggressive.
"They're hiring private detectives," he said. "It's the economy."
Mervyns stores in Calexico and El Centro closed when the chain went bankrupt. The Millie's Restaurant in El Centro and Western Auto in Calexico have closed, along with locally owned businesses that had endured for decades, such as Wright's Cleaners in El Centro, Pine Market in Holtville and Garcia Food in Calexico. Del Norte Chevrolet in Brawley, one of the oldest dealerships in the valley, went out of business. U.S. Gypsum laid off employees at its Plaster City plant.
Every Tuesday, the Imperial Valley Press has a front-page feature called "Tough Times." It's had stories about mortgage scams, the decline in sales-tax revenue and the scramble by local officials to lure businesses to the valley.
The most visible effect of the recession has been in the real estate market. Imperial County had the highest percentage of subprime 100% loans of any county in the state. More than 600 homes are in some stage of foreclosure. Prices are plummeting. "Short sales," in which banks agree to write down loans, are common.
Part of the market was supported by a growing number of government workers in Imperial County, particularly in the federal and state governments.
But then many government employees, Din said, became obsessed with "keeping up with the Garcias" and bought homes bigger than their co-workers' -- often tempted by 100% financing.
The county is bracing for a 5% drop in assessed valuation, which means a reduction in property tax revenue to pay for schools and local governments, on top of cuts in state and federal allotments.
There are, however, glimmers of better times ahead. Home sales are picking up. Camacho's program is trying to ensure that residents are in line for jobs with energy companies aiming to tap the desert's sun, wind and geothermal power and with construction firms that will build a major transmission line to link new energy sources to San Diego.
Boosters also hope that new Indian casinos will provide recession-proof employment, as the construction of two prisons did in the 1990s.
The Manzanita band of Kumeyaay Indians is seeking approval for an off-reservation casino in Calexico. In February, the Quechan tribe opened a casino and resort in Winterhaven on the valley's eastern edge, two miles from Yuma, Ariz., bringing 1,000 slot machines and 600 jobs. The grand opening was highlighted by the Flying Elvi from Las Vegas, a parachute team whose members dress like Elvis Presley.
But help seems far off to the unemployed.
Corina Garcia, 34, who learned on Christmas Eve that she would lose her job as a department supervisor when Mervyns closed, is back living with her parents and has interviewed with most of the valley's big-box retailers.
"I'm just not getting any response," she said.
Balbastro has spoken with employers but found many are offering only part-time work with no benefits. "I just hope I don't get sick enough to require a doctor because I have no insurance," she said.
Arispe misses being able to reward his son with a nice toy. "Used to be $30, no problem," he said. "Now it's a 99-cent Hot Wheels. If I pay more, my wife chews me out because it's not in the budget."
Still, Hildy Carrillo-Rivera, former crusading editor of the defunct Calexico Chronicle and now executive director of the city's Chamber of Commerce, believes Arispe and the others will eventually find work.
She has seen the valley rebound before: from the whitefly infestation in the 1990s, from the inflationary 1980s, from multiple devaluations of the Mexican peso.
"Imperial Valley has always been at the bottom of the bottom," she said. "We're used to fighting our way out of troubles. Now the whole nation is joining us. We'll dig our way out together."
Your OCTO-REALTOR is here to assist you in the Imperial Valley with his arms ready to help you accomplish your home buying, home selling, or loan modification goals.
Here is what OCTO-REALTOR can do to help you:
1) Represent home Sellers who owe more than their home is worth, OCTO-REALTOR will help you negotiate a SHORT SALE. The Short Sale will help protect and preserve your credit history and credit report!
2) Represent home Owners who want to keep their home, OCTO-REALTOR will help you with a LOAN MODIFICATION. Do you live in the home you need lower monthly payments? Do you have an Adjustable Rate Mortgage (ARM)? Do you have two mortgages? Do you have a Balloon loan that is coming due? A LOAN MODIFICATION will help you lower your monthly payment and stabilize your interest rate.
3) Represents home Buyers who are looking for a good deal on foreclosures, bank owned, REO, and short sale real estate, OCTO-REALTOR will help you find your dream HOME. Did you get passed by when the housing boom sent prices through the roof? Were you left wondering how your neighbor was able to afford the big house and the fancy cars? I can help you find the right home at the right price and buy it with a long terms fixed rate mortgage to keep your monthly payments low. Prices are LOW and Mortgage rates are LOW...Obama says "buy a car", your OCTO-REALTOR says "buy a HOME"!
4) Represent home Sellers who have equity in their home, OCTO-REALTOR can help you put a plan together to get the most for your home sale dollar in today's market by making subtle changes to your home. You don't need to compete with the foreclosures, bank owned, REO, or short sale properties to sell in today's market, simply make your home attractive to buyers who want "move-in-ready" for a Market Sale.
5) Represents First Time Home Buyers, OCTO-REALTOR will help guide you through each step of the home buying process. Your OCTO-REALTOR has an extensive mortgage financing background and can help you review home financing options to fit your finances and budget.
6) Represents Investor Buyers, OCTO-REALTOR will help you find properties that make good rental prospects and provide assistance with cash-flow analysis. Need property management? No problem, your OCTO-REALTOR works with the best property managers in Imperial Valley.
7) Assists future home buyers improve their credit history, OCTO-REALTOR has relationships and works with credit and collection attorney's to help my clients improve their credit histories on their terms. Plans for credit history improvement vary based upon the items found on the credit report, however average FICO score increases are as much as 70 points or more in 60 days.
8) Your OCTO-REALTOR is Tech Friendly and Savvy! OCTO-REALTOR uses cutting edge technology to help home buyers see homes through real time video, not just a slide show set to music or still pictures. OCTO-REALTOR is in tune with the Housing Market as your OCTO-REALTOR analyzes and shows dozens of homes a week. Your OCTO-REALTOR is in tune with the internet market by writing timely articles, blog posts, and provides informative real estate content to local news sites, news papers, and internet blogs covering everything about Imperial Valley real estate.
No other real estate agent even comes close...
If you are looking to BUY a home or SELL a home in Imperial Valley, don't hesitate to CONTACT your OCTO-REALTOR today.
If you are concerned about your mortgage payments rising, talk to me about a LOAN MODIFICATION.
Also, if you know OTHERS who would like to BUY, SELL, or MODIFY please keep the OCTO-REALTOR information handy and pass this article along.
You can reach the OCTO-REALTOR at info@ivforeclosures.com or simply go to www.IVForeclosures.com for a current list of homes for sale. These homes may be foreclosures, bank owned, REO, short sale, or a regular market sale, and many homes provide a tremendous real estate opportunity.
Comments? Please let OCTO-REALTOR know how he can help you!
Short Sale bargain 171 Buckskin Ranch Rd Imperial CA 92251
A great home in Sunset Ranch North, limited inventory available at this home size makes this home more desirable than ever and such a great price too, only $149,900!
Take a tour of the home right here from the comfort of your home or office.
Make an offer quickly as there has been a great amount of interest in this home and it will sell quickly. If you'd like to see the home and make an offer, please contact me at your earliest convenience and we will take care of all the details for you. Enjoy the video home tour of 171 Buckskin Ranch Rd Imperial CA 92251.
Video 1 - home tour front view of 171 Buckskin Ranch Rd Imperial CA 92251
Video 2 - home tour inside view of 171 Buckskin Ranch Rd Imperial CA 92251
Any comments, please post them below, I would like to hear what you think about this great single family home.
Local information regarding the real estate and mortgage, foreclosure, REO, Bank Owned, & Short Sale listings for Imperial County, California. Serving Brawley, Calexico, El Centro, Heber, Holtville, Imperial and surrounding areas.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
Central A/C
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