Time To Expand Your Business - 09/29/09 09:45 AM
Are we already too late? Probably not, but in my market the tide has turned. I think we are going to see a fall slowdown, but then hold onto your hats in January. So as the summer begins to wane, I'm bringing on new agents, developing additional lead generation techniques, and fine-tuning my business practices. I'm going to be ready!
Many agents around the country have had a good summer. It's been awhile since we could say that....so perhaps we've forgotten that we need to replenish our pipelines and that means advertising. Doesn't necessarily mean spending money, but our resources don't … (13 comments)

Friendships and Business Thrive on Active Rain - 09/28/09 09:59 AM
I had a really fun Saturday....I wrote a parady on short sales called Did Cavemen Have The Same Problems As We Do? . To date I have 144 comments from some very clever people. Graphics and clever comments pepper the conversation about poor Aarg who lost his deposit (a rat) because it died before the short sale was approved.
But what struck me was the openness of the members of AR to find and enjoy new friends...in this case ME. I know that I've made some friends that I'm going to enjoy for a long time even though we are spread … (4 comments)

Speechless Sunday....Color Contrast - 09/27/09 11:13 PM

One of my daughter-in-law's bridesmaids and best friend took this at a botanical garden.....the color contrast was amazing. She needs to submit this somewhere.
by Darcy Snyder, St. Louis, MO
… (5 comments)

Did Cavemen Have The Same Problems As We Do? - 09/26/09 03:35 PM
Once upon a time there was a caveman named Aarg. He found a beautiful cave with a view of the swamp and wanted to live in it. He called a Realtor and chipped out an offer (in stone of course) for 6 boulders and a fresh rat. His Realtor told him that this was a short sale.....the current owner, Migg had paid too much for the cave to begin with and now owed 9 boulders to Puch for the mortgage. Aarg was concerned but agreed to wait while Migg discussed this with Puch to see if Puch would accept the 6 … (157 comments)

What Happens If The $8000 Tax Credit is Allowed to Expire? - 09/26/09 12:08 PM
As of now, the first time home buyer credit expires the end of November. Adding to the difficulty the new FHA guidelines, which require the re-certification of all condo projects, becomes effective October 1st. The sad truth is that unless the buyer is solidly into an escrow right now, they most likely can't get their deal closed in time for the November deadline. The question is what happens to our real estate market if the credit does expire?
I don't know!
My guess is that the lower price "entry-level" homes are going to slow down. They have been what was fueling … (6 comments)

Having FHA appraisal problems? There must be solutions! - 09/25/09 07:08 PM
I'm dealing with this today...and just posted my own blog on this. But in researching AR, which is a great tool....I found this also. We need some solutions....my buyers are on the last day and find out they are $15,000 short and the sellers are trying to close on a new home they bought in another state on Wednesday....this is not right.
Via Lori Mode and Bruce Durham (Keller Williams Realty):
I know I am not the only one having appraisal problems right now!  It is a nationwide problem and doesn't seem to be getting any easier.  This is only one of the … (0 comments)

Appraisal Nightmares Continue.....Appraisal Reviews - 09/25/09 07:02 PM
I'm losing a deal this afternoon......we got the original appraisal $15,000 less than we offered, we had asked for $12,000 in closing costs. So the seller came down to $425,000 which was the appraisal value and the buyer borrowed more money for the closing costs. 
Today....we are supposed to close on Monday.....the underwriting appraisal review came back and told us that it's only worth $410,000. Another $15,000. There are some bank-owned homes down in that range which closed....but they were mold-infested and missing entire kitchens...ours is in great shape.
The buyer has no money and the sellers are supposed to close … (3 comments)

Follow-Up to The Phone Call I Didn't Want To Make......Success! - 09/24/09 06:25 PM
 A few days ago...I wrote a blog post The Phone Call I Don't Want To Make....3 Strikes YOU'RE OUT and I put off that call every day this week. I kept thinking there had to be an answer....it wasn't making sense. Today? We found our solution!
I spent some time discussing this with my broker and realized that we could probably get this done. So I called/emailed the listing agent and asked them to give us the listing. That we would get it done, the buyer was on-board and we'd give them a 25% referral fee. They asked me why I thought I … (6 comments)

Wordless Wednesday.....my 5th Grader In Drag :) - 09/23/09 08:44 AM

My "son" is the one in pink! This was at his 5th grade talent show. I have a new laptop and was going through some of the picture files....couldn't resist sending this out to the Internet world :). Doesn't this look like something to save for a wedding video some day? Hee hee!
… (11 comments)

The Phone Call I Don't Want To Make....3 Strikes YOU'RE OUT - 09/22/09 08:32 PM
I have to call my first time home buyers and tell them the purchase just died. We stretched to get the deal together. They are FHA buyers using every spare dime to get the 3.5% and closing costs. We wrote the offer on the short sale in early May.
First strike: the appraisal came in $7000 less than the offer price. But they went to family and got the extra money.
Second strike: The city required the de-conversion of a garage from a bedroom to a garage. The seller refused to pay for this so I did from my commission.
Third … (15 comments)

Helping Buyers Understand the Market - 09/22/09 09:10 AM
Every real estate market is different. Just spend a little time on Active Rain and you will see everything from full recovery to desperate. Those of us who have been Realtors for a while have seen these markets come and go and certainly will again. But most buyers do this only a few times in their lives and they only know what they hear on the news and what they experience for themselves. So how do we prepare them for our market?
First...we must prepare them in advance of our meeting. I really think this is critical! I use a website-style … (5 comments)

Who is the Seller in a Short Sale? - 09/21/09 04:04 PM
This is a short but great explaination of who negotiates in a short sale...worth reblogging!
Via Jared Wangsgard (Keller Williams Salt lake City):
This Question comes up quite a bit. The bank and the owner of the property are obligated to each other through their note on the mortgage. The lender is owed a debt by the owner of the property and that debt is secured by a mortgage attached to the property. If the owner defaults on the debt, the mortgage gives the lender the right to force a sale of the property through foreclosure in order to satisfy the debt owned. … (0 comments)

120,000 Points....Even - 09/21/09 03:55 PM
I love even numbers....of course by the time I write this post....it won't be an even number anymore :). But I have been on Active Rain only since last December and I remember looking at the large points numbers thinking that it was going to take forever to get into that category. But less than a year and here I am.
I'm not a Lenn yet.....love ya Lenn....but maybe I'll get there. In the meantime, I'm celebrating my even 120,000.
… (2 comments)

Short Sale: Approval on the First expires before the Second will assign the file....what are they thinking? - 09/21/09 03:40 PM
This has been said 100s of times....in Internet blogs, in office meetings, on long phone calls to sellers....and yet, it continues. The inability of lenders to move on short sales. They have loss mitigation departments for his very reason. We are here to offer them a qualified buyer ready to buy....and they will save money by taking a fair market price and getting this off the books.
Instead....they sit and sit! I have an approval on the first trust deed which expires before the second will issue us a negotiator. What?
I've called, begged, pleaded and threatened (gently) and nothing is … (0 comments)

With No Losers.....There Are No Winners - 09/20/09 11:11 AM
What is happening? I talked to someone yesterday who is short selling his home.....and I will list it for him. He told me "Oh well...timing is right, I'm going to bankrupt all my debt and just start over. Then when all this is over, we'll buy something else." No regret, no shame......no emotion at all. And he's probably right! We have developed into a true "entitlement society." My generation did that!
The baby boomers grew up in a time of prosperity and ease. We wanted to give our children everything we could. The women's movement created a society without the masculine … (6 comments)

The Air We Breathe (Part 4) Last edition - 09/19/09 04:50 PM
Great series of information.....worth the read! I learn every time Jack does an inspection for me and it helps me with my clients when they are looking.
Via Jack Clausen (JLC Inspections Inc.):
GENERAL RULES TO HELP CONTROL THE HOME ENVIRONMENT ( recap of what we have talked about in the past 3 editions)Controlling the home environment is the key factor of controlling asthma and allergy care as it relates to the home. Some general rules for home control for all members of the family are:
Reduce or remove as many asthma and allergy triggers from your home as possible. If possible, use … (0 comments)

The Air We Breathe (Part 3) - 09/19/09 04:49 PM
Part 3
Via Jack Clausen (JLC Inspections Inc.):
If you have not read part one and two of The Air We Breathe you may want to do that to see what we have been talking about.
TRIGGER CONTROLSHere are some common triggers and some ways to help control them at home:
Tobacco SmokeSmoke should not be allowed in the home of someone with asthma or allergies. Ask family members and friends to smoke outdoors. Make sure they stay at least 30 feet away from any open doors or windows. Remember that the second hand smoke has a lot of carbon Monoxide that … (1 comments)

The Air We Breathe (Part 2) - 09/19/09 04:49 PM
Part 2
Via Jack Clausen (JLC Inspections Inc.):
The Air We Breathe (Part 2)OUTDOOR AIR, INDOOR AIR AND AIR-CONDITIONINGcontrolling your exposure to triggers outdoors is hard. You may have to avoid outdoor air pollution, pollen, and mold spores. Any time air pollution and pollen levels are high; it's a good idea to stay indoors.The air at home is easier to control. Some people with asthma and allergies notice that their symptoms get worse at night. Trigger controls in the bedroom or wherever you sleep need the most care. Let's remember that we are in our bedrooms 8 to 10 hours each 24 hour … (0 comments)

The Air We Breathe (Part 1) - 09/19/09 04:48 PM
This is my inspector....what a great 4 part series about mold and other things in our air. Worth reblogging.
Via Jack Clausen (JLC Inspections Inc.):
The Air We Breathe (Part 1)
AIR PARTICLES WE BREATHEMany particles of different types and sizes are carried in the air we breathe. Some large particles may settle on the walls and furniture in your home. Other large particles are removed by your nose and mouth when you inhale. Smaller particles are breathed deep into the lungs.Asthma may be triggered by both the large and small particles. Some air particles come from the indoors. Others are carried in … (1 comments)

How to Answer Questions on Trulia and Zillow To Attract Clients - 09/19/09 10:28 AM
I'm beginning to really get a large portion of my new clients from Trulia and Zillow. I have alerts set up which sends me an email when a new question is posted in the cities I target and then I go in and answer them. I've heard from many agents that they do the same thing and haven't received any leads....so it's made me wonder what I'm doing differently.
I took some time this morning and read through the answers that my associates have been writing, and compared them to mine. There are a few situations when we have answered the … (9 comments)

Request for Repairs....Is it a thing of the past? - 09/18/09 12:11 PM
More and more I'm seeing listings of equity sellers saying "as-is." I understand.....with all the foreclosures and short sales, why should an equity seller offer to make repairs and reduce their proceeds. Aren't these foreclosures already hurting their equity? Well....yes! But it might make more sense to offer repairs.
I have 2 escrows going right now with a couple. One to sell their current home and one to buy the new home. Both are equity sales.....whoo hoo! Both sellers are making some repairs....nothing huge or extravagant, but both are being reasonable and trying to provide the new owners some peace of … (6 comments)

UNDER APPRAISALS! The Next Shoe To Drop? - 09/17/09 09:54 AM
I'm finding this to be true on more and more appraisals. They take out the money for closing costs and the appraisers don't understand the market they are in. This is becoming a real problem, and I want to continue the conversation....this is a great post to start that.
Via Dean Moss - Dean's Team Chicago Real Estate Team (Dean's Team - Keller Williams Lincoln Square Chicago):
Hope you had a great weekend, folks!  Cool here in Chicago - not complaining at all!
Up until last week, during my 15 years in Real Estate, I suffered through ONE under-appraisal!
Last week, I endured … (4 comments)

Fire Health and Safety around the home - 09/16/09 07:34 PM
I learn something every time I go for an insepction.....great tips for us around the house.
Via Jack Clausen (JLC Inspections Inc.):
Welcome to JLC Inspections, Inspection News Letter, designed for the home owner or buyer and the Real Estate Professional. Today we will be talking about getting ready for the winter months, and making sure we are safe around the home. Our topics today will be:
  
•·         Fireplaces
•·         Furnaces and duct cleaning
•·         Smoke Alarms
  
Fireplaces: If you have a fireplace, try and remember the last time you had a professional inspect it for damage such as cracks in … (0 comments)

Experience and the right tools find hidden MOLD in the home - 09/16/09 06:20 PM
Mold is a big problem.....this is a great tutorial on what to look for, and what not to.
Via Jack Clausen (JLC Inspections Inc.):
Hello Active Rain. Thanks for all of the comments on my last blog  "You may think you have a mold problem, but you may not"  Here is an interesting story of a call I received about a year ago. A single man living in Aliso Viejo, California called me with a very concerning tone with regards to possible mold in his home. He expressed to me that he has had extreme allergy problems his entire life.  He explained that … (0 comments)

No FHA Financing Accepted - Buyers and Sellers Lose. - 09/16/09 10:59 AM
FHA is becoming so difficult....and the new guidelines on October 1st are going to make it even more difficult. This is kiling and entire segment of the buying public. I think this needs attention! So I'm reblogging FHA related posts!
Via Wendy Cutrufelli, Contra Costa Realtor (Alain Pinel Realtors):
I recently received a phone call from a frustrated mortgage lender.  She has a significant backlog of pre-approved FHA first-time buyers that can't find homes that will accept FHA financing - and the deadline for the First Time Home Buyer Tax Credit is looming.  She asked, "What's going on?" In order to answer … (0 comments)

I Was Called a Racist...And I Lost a Client - 09/16/09 09:58 AM
I live and work in Southern California and we have a large Hispanic population. People from different countries South of our border are integrated in every company and neighborhood. My sister-in-law is from El Salvador. My bank teller switches seamlessly from English to Spanish and back again.
I met a client for the first time this past week. From the last name, I could have assumed an Hispanic family line....and I was right. Very nice man who was an executive in a bank and interested in a larger home as his wife was expecting their 3rd child. Great! We hit it … (10 comments)

Does Washington Really Want The Real Estate Market To Recover? Why They Might NOT Want To Extend The $8000 Credit - 09/15/09 09:56 AM
I hate to think this....but I wonder if Washington would rather see the Real Estate Market falter again. What I hear from our elected officials involves loan modifications, cram downs and foreclosure moratoriums. They seem more concerned with those people who cannot afford their mortgages rather than with those who can.
Look at the most recent actions with FHA! It was just a year ago that the down payment was raised to 3.5%. Now this year they are making it almost impossible to purchase a condo using FHA backed financing. The changes in FHA approvals will effectively eliminate an entire segment … (6 comments)

The Magic Eight Ball of Real Estate - 09/15/09 09:39 AM
I wish I had a Magic Eight Ball to use these days! Remember how we could find out the deepest mysteries of life by a quick shake and glance into this wonderful toy? And the good news? If we didn't like the answer.....we could shake it again until we get the answer we want. I wish I had that Ball now!
"Will they take our offer"? Maybe
"Will this home appraise for this price"? Probably not
"If we lowball this.....will someone else offer higher"? Definately Yes
"Can we still get 100% financing"? NO
Well....you get the idea!
I get tired of … (1 comments)

Steading Our Emotions In a Heated Market...Real Estate Is Not Vegas! - 09/14/09 10:39 AM
My market is crazy right now....every well-priced home has multiple offers over asking price. I feel like I'm sitting at the High Stakes Roulette Table watching the ball spin around to see which buyer it's going to land on.
Sometimes the home is listed artificially low to invite multiple offers but also right now prices are just low and there are equity sellers who are pricing realistically. The emotions are running high around here. My buyers see homes they want and we can't simply write offers, get counters and come to agreement anymore. It's definitely a sellers market right now.
This … (1 comments)

Speechless Sunday - 09/13/09 10:14 AM

This is a hummer trip we took in Moab. This driver surprised us by veering off the main road and heading straight up the cliff in front of us. We were out fo 4 hours and enjoyed the most beautiful sunset I've ever seen. The sun disappeared over the Colorado River and the colors just bounced off the surrounding rocks. Now....MY JEEP? I get some air under those tires!
… (3 comments)

The Counter Offer Included Golf Clubs - 09/13/09 09:49 AM
What on earth are you talking about? I just got that phone call from the listing agent. We have been locked in a battle with another couple for this home and now the other party has offered a set of brand new golf clubs to the seller. You have got to be kidding me! Am I really going to see a counter with sporting equipment in it?
Last week I wrote a blog post Blog Entry: Dear Listing Agent....Please Accept This Offer? and I talked about the ridiculous things we have to include to get an offer accepted...but this is getting out … (6 comments)

Games Agents Play....Fair Play? Is There A New Rule Book? - 09/12/09 10:49 AM
I'm becoming embarrassed for my profession! I am finding myself apologizing for my colleagues more and more. I had really hoped that the real estate downturn would have left the cream-of-the-crop Realtors....instead I think that the shady agents I'd hoped would leave, simply have to be more creative in their dealings. Some of the games?
* Listing homes artificially low and then denying access so they can bring their own buyers and double-end the deal
* Taking the keys from the lockbox so others can't show the home
* Writing fake offers to tie up the sellers during the short sale … (11 comments)

Dear Listing Agent....Please Accept This Offer? - 09/12/09 09:52 AM
Dear Listing Agent,
My clients humbly submit the following offer:
1) Purchase price to be $50,000 over list price, or whatever you decide we should pay
2) Deposit check will be 3-5% of the purchase price and non-refundable
3) Closing date will be somewhere between 45-70 days (since you insist we use a direct lender who can't move very fast)
4) No appraisal contingency
5) No home inspection contingency
6) Home is purchased as-is
7) We will remove lending contingency in 5 days (even though your direct lender won't have an approval for 40 days)
8) All conditions of this offer can … (8 comments)

Real Estate Juggling Act......Keeping the Balls in The Air - 09/12/09 09:12 AM
This is a success story! I took a listing last May that was going to be a challenge. We needed to get $200,000 out of the home to buy the new home on the other end. Problem was that the comps were anywhere from $50-80,000 less than we needed. This week......we sold for our price.
I received an offer a few weeks ago from a cash buyer. They low balled the offer and we decided not to even counter. But I talked with the agent and thanked her for showing the home and wished her well. A few days later, she … (6 comments)

9-11......I Remember The Morning My Life Changed - 09/11/09 09:36 AM
I was a sleep....we live in California and it was early for us. My oldest was in 10th grade and he was up before all of us because he left early for an early period in high school. He had the news on in the background as he ate some breakfast and turned to see the first plane hit.
He came upstairs and woke me up...."Mom, a plane just hit the World Trade Center." I thought that was too bad, I envisioned a Cessna-type plane. I fell back to sleep.
A few minutes later he came up again and with a … (6 comments)

Quick Success Story......Everyone Has a "Home"! Helping Them Find It - 09/10/09 08:04 PM
I have a philosophy...that there is an established "home" for every person and family. This is not a mystical or religious view, but one I've developed over the years of practicing Real Estate. It's out there! We are helping our buyers find it. We are facilitators!
I can always tell when I walk into the home when we've found the right home. The buyer has that look....each buyer has a different look....but they all have a calmness about them. I might be a first-time buyer who sees one aspect of a starter home which "speaks" to them. Or it might be … (4 comments)

First Time Buyer Action Item List For The Fall - 09/10/09 09:58 AM
Time is running out!! This is NOT a sales ploy....this is the TRUTH!
Changes are coming in the next few weeks which are going to make home buying very difficult, so move now! FHA changes and the $8000 tax credit is expiring. In California we also have a home mortgage insurance program from the California Association of Realtors which is expiring too. This is the best time to take advantage of all these benefits and get into the new home.
Some timelines to remember:
FHA: Beginning October 1st, all condo projects need to be recertified (the exception is those approved from … (0 comments)

Multiple Offer Market: The Edge.....Remove Appraisal Contingency and Offer Over Market Value - 09/09/09 09:56 AM
Our market is hot.....more and more listings are now asking us to write offers without the appraisal contingency. Scary! But...with a little homework....it can put the buyer in a strong position to get the home. The problem is that with so many offers on all these homes, people will over-offer and hope that the seller will renegotiate if the appraisal comes in lower....and normally, they do.
This prevents someone from offering $600,000 on a house which will appraise at $550,000 and outbid the other offers. Makes sense to me!
Last night I got a counter which asked for highest and best...with … (6 comments)

Results Day: Labor Day Weekend Offers - 09/08/09 09:14 AM
I feel like I took finals over the weekend and now I'm waiting for the grades. I have 6 different clients and 9 offers out there. All promised me an answer over the weekend, but nothing came. I don't blame the listing agents, why not wait the whole weekend out and see what they get.
The market is so tricky right now for my buyers. We are usually getting one chance to impress the sellers. If we get a counter at all, it's usually sent to all 10 buyers and something like "highest and best." So we still have no idea … (2 comments)

Celebrating Labor - 09/07/09 04:14 PM
Labor is a misunderstood concept. It is normally used to describe something difficult or burdensome. But one of the definitions of labor is "to strive." Striving in turn is defined as "to devote serious effort or energy." Devoting serious effort for something worthwhile is valuable to all of us. Don't we use the word "labor" to describe the birth process? One of the most stirring experiences of life?
On this Labor Day....I've been reflecting on the things that I "labor" for in my personal and professional life. I have a list, but they all seem to add up to purpose. I … (4 comments)

Bending vs Breaking....Some Examples - 09/06/09 11:34 AM
Bending: Giving a $450 credit for a home warranty the seller won't pay for
Breaking: Giving 20% of your commission because the buyers don't understand "as-is."
Bending: Missing an hour of evening football to show a home that just came on the market.
Breaking: Missing a family dinner to show a list of homes to a last minute request.
Bending: Working with the listings agent's preferred lender to get a pre-qual using existing credit reports.
Breaking: Advising the buyer to get pre-quals from 5 different direct lenders for 5 different offers
Bending: Offering a rebate of 1% commission for a listing … (9 comments)

Dilemma....Buyer's Agent's Duty to Seller? Is There One? Help! - 09/05/09 10:32 AM
My buyer's are users! There's no easy way to say it. I didn't see it at first....they seemed like a nice young couple. Perhaps they have spent time being seen as weak, or perhaps they want to appear to be saavy....I'm not sure, but they are behaving horribly and the sellers are paying the price.
The background is this: The sellers have purchased another property and need to close this friday on ours. The original agreement was basically an as-is purchase, but the sellers had given us an independent home inspection and had corrected termite issues. We still had all our … (8 comments)

Cowboys Get Your Hats.....The End of The Summer Real Estate Round-up Is Here - 09/04/09 09:50 AM
Yahoo....the end of the summer. This is the time our market typically turns into a rodeo! I'm finding this year is no exception! Last night I took a couple to an over-priced home that just came on the market and found a constant stream of other agents showing it as well.
I went to a rodeo in Cody, Wyoming a few years ago. This is the longest running rodeo in the country. It had all the normal events...roping, bull riding, barrel racing....and then it had the calf round-up. That's the market we are in....the calf round-up.
The calf round-up is for … (4 comments)

FHA Rules Changing.....Get Your Offers In Before October 1, 2009 - 09/03/09 09:28 AM
I'm looking forward to the day I wake up and find good news in my inbox about financing....but it's probably a long time away yet. This morning I found a pdf from my lender on FHA financing. The bottom line is that beginning October 1st, 2009 we are going to find FHA condo loans almost impossible to fund, and listing agents are going to have to recommend that sellers do not take FHA offers.
The basics:
* Spot approval for condo projects will be eliminated
* All current condo approvals will be invalid and must be re-approved (unless the approval was … (9 comments)

Utah Road Trip: Day 6.....Going Home - 09/02/09 07:57 PM
Has to happen....I know! :( I do prefer to drive home, takes longer and it allows one to slowly get used to the idea. As an added bonus, I live in Southern California, so by the time I get close to home the traffic is so horrible that getting home becomes a relief.
We took our time this morning. No rush! I left the hotel in search of coffee, a familiar theme. There was a small coffee machine in the room, but the pale liquid it produced could not be called coffee. Armed with lattes and pastries, my husband and I … (4 comments)

Utah Road Trip: Day 5 - 09/02/09 07:46 PM
This is a big day for natural beauty. We got up early and searched for coffee. Nothing is open at 7:30am in Utah on a Sunday morning :)...not even gas stations. I guess that makes sense, but then it would have been great to have a coffee maker in the room. Finally we found a coffee shop in a neighboring hotel and got our morning fix.
If you've been reading this blog trail, you know how beautiful the drive is! Continuing through the Grand Staircase National Monument was no exception. We were heading to Bryce Canyon. This is a destination, even … (6 comments)

Realtors...With Impersonal Direct Lenders and Lack of Trust in Mortgage Brokers, We Need To Know Our Stuff - 09/02/09 04:21 PM
I remember a few short years ago I was relieved when a buyer was using their own direct lender. The representative at their local branch or even someone in the main branch of say a Bank of America or Citibank. No more....even though many listing agents require a pre-qualification from a direct lender, they are by far the worst lenders we can work with now.
1) 45-60 days to close a conventional loan
2) 30% down loans with "subject to" conditions on an appraisal
3) Files moving through the "system" with no person to contact for information, no loan rep
4) … (0 comments)

Utah Road Trip: Day 4 - 09/02/09 02:38 PM
I dislike traveling by airplane....things end too quickly. The road trip is an adventure by itself it doesn't matter where you are going, you are doing it slowly, even going home slowly. This morning we left Moab, but the day was a driving day through more scenery. There are thousands of acres of land...every turn of the road inspires a gasp.
We headed south on Hwy 191 first thing in the morning. We designed a true road trip and would meander south and north like a snake until we stopped in Escalante, Utah. The first stop would be shortly after we … (2 comments)

Utah Road Trip: Day 3 - 09/02/09 01:47 PM
Before I even start....I will have more pictures soon. Our only full day in Moab was spent on the Colorado River and I used a disposable waterproof camera. We need to get this developed the old fashioned way....by waiting for pictures to develop.
We started the day as we ended yesterday, at the Moab Adventure Center. At 8am we were fitted with life jackets and boarded the bus to take us up river. The drive alone was beautiful! This is really a float trip, not a rapids trip. There are some true whitewater trips from Moab, but I was really looking … (2 comments)

Utah Road Trip: Day 2 - 09/02/09 12:07 PM
I went to college in Illinois and normally drove I-70 across Utah, Colorado, Kansas and Missouri.....this is by far the most beautiful scenery. During the cold months, I'd "resort" to Route 66. Last February I took that Southern Route...which I posted then. But this time, I won't be headed all the way to Illinois, just Utah.
The 100 miles or so from Richfield, Utah heading East is one of my favorite drives. I discovered it on those drives back and forth to college, and have always loved it. I think one of the reasons is that it's so unexpected. Incredible views … (0 comments)

 
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Author Bio: Karen Fiddler has been a Realtor for...



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