Lorraine and Loretta's Real Estate Auction Blog

Crime Down By 26 Percent In San Marcos, California, This Year.

Sat, 28 Nov 2009 14:41:58 -0600

One of the most significant achievements that the City of San Marcos, enjoyed over last year is that the public safety has enjoyed a 10% decrease in its crime rate over last year. In fact, San Marcos had the most dramatic decrease in violent crime of all Sheriff's contract cities in San Diego---down a whooping 26%.

San Marcos, is growing, it is quickly becoming a mecca for being known for the many choices one has for some of the finest colleges. Crime is down, but not the enthusiasm that many residents, have for this growing community.

If you want to find out more about the City of San Marcos, Ca. Call Crescent Moon Realty & Land N Sea Auctions, @ 1-888-882-1198 Ext 111.

Looking forward to hearing from you.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

On Line Bidding More & More Homes Are Being Sold.

Sat, 28 Nov 2009 08:22:10 -0600

As technology provides more and more advantages to the real estate professional, I have witness the next futurist approach to selling homes and that is ON-Line Bidding.

It is becoming a fast growing segment of the real estate market, and has proven to be a successful weapon for those agents wanting to create buyers urgency. Establishing a sense of urgency has help sell homes in less than 90 days.

This might very well be considered a sub-niche in the selling of real estate; the results are starting to be amazing. Homes that were languishing suddenly have 20 offers. Yes, there is over bidding going on. Many times it levels the playing field, and heightens buyer's excitement. Sellers get faster results.

Here are the encouraging particulars about ON-Line Bidding .

Competitive Bidding. (Where buyers and sellers get more involved)
Amplifies the interest in properties..
World wide exposure. Bids coming from Canada, Japan, England etc.
Buyers are qualified before placing a bid is allowed.
Seller can see quicker --- tangible results.

Apparently, this sub-niche of selling is beginning to take a bite out of the traditional style of selling real estate. One of the advantages is the sense of urgency. .

Be ready to see more and more of this happening in your real estate market.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

Free Turkey Dinners Being Served @ Salvation Army In San Diego, Ca.

Tue, 24 Nov 2009 14:52:38 -0600

Chef Joe Olmos ordered his 100 Thanksgiving turkeys in June so he could get the best price! It takes two 18-wheelers to deliver those 700 POUNDS of turkey to The Salvation Army Door of Hope Central Kitchen along with 13 cases of stuffing, 22 cases of green beans, 120 pounds of butter, 250 cases of pumpkin pie, 7 cases of whipped cream and everything else needed to serve Thanksgiving dinner to 2,000!

Chef Joe and his staff of four will start cooking soon to be ready for the annual Community Thanksgiving Dinner at Golden Hall on Thanksgiving Day. Golden Hall's seating capacity is 1,800 and in these hard time the Army is planning to invite overflow guests to wait until someone leaves to be served dinner.

"We don't want to turn anyone away," Divisional Commander Major Linda Markiewicz who will greet the guests as they are escorted to linen-draped table cloths to be served by 400 volunteers.

The physical address to Golden Hall ------3rd Ave & B St, San Diego, CA 92101--- Contact the Salvation Army @ 1-619-231-6000.

Get there early the line begins at 7AM, also if you would like a list of other locations, you can go on line 211SanDiego.org and get a list of other locations through out San Diego that will be serving Thanksgiving Dinner.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

Liberal Arts College Coming To San Elijo Community of San Marcos, California.

Sat, 21 Nov 2009 12:16:07 -0600

A San Marcos philosophy professor and several supporters are hoping to open a non-denominational liberal arts college in the upscale San Elijo Hills community in fall 2010, in the hopes of filling a void in San Diego County. If San Elijo College succeeds, it will join a growing list of facilities that have helped turn San Marcos into a major education center.

San Elijo College founder Tim Mosteller said last week that the campus will be a classical liberal arts institution modeled after so-called "great books" schools in other parts of the country.

Examples include Gutenberg College in Eugene, Ore.; St. John's College in Indianapolis, Ind., and Santa Fe, N.M.; and New St. Andrews College in Moscow, Idaho.

"In North County, especially, there aren't any really traditional sort of liberal arts colleges,"

The school cannot start the multiyear process of seeking accreditation by the Western Association of Schools and Colleges until after it has opened.However, the college has registered with the state as a nonprofit corporation and recently received its nonprofit status from the Internal Revenue Service. Student are presently being recruited.

"We need at least 12 students, with a maximum of 35," he said, referring to the fall 2010 session. "We hope to end up with about 150 total (in five or six years)."

No textbooks

A San Elijo Hills resident, the 39-year-old Mosteller has bachelor's, master's and doctorate degrees in philosophy.

He is a full-time faculty member at California Baptist University, a private Christian university in Riverside, and teaches part-time at Cal State San Marcos and the Vista extension campus for Biola University, a private Christian university in La Mirada.

Mosteller said he selected San Elijo Hills as a home for the college because he and his family live in and love the 3,400-home community, and because the college can be incorporated nicely into the area.

The college's six-member Board of Trustees has talked with the owners of the San Elijo Hills town center and a local church about leasing administrative office and classroom space in those buildings, he said.

San Elijo College's catalog states that students will spend four years pursuing a rigorous, liberal arts course of study centered around the great works of Western civilization.

The planned curriculum includes English grammar, logic, rhetoric, mathematics, geometry, astronomy and music. Students also will be required to study Latin and Spanish.

Rather than textbooks, Mosteller said, students will read books and other materials written by people commonly recognized as Western civilization's "great thinkers." Examples include Shakespeare, Aristotle, Plato, Chaucer, Dante, Leo Tolstoy and Anton Chekhov.

"For instance, biology ---- they would read the original experiments and the original books by the great biologists like Darwin," Mosteller said. "And instead of taking a class in, say, American History, students would go back and read the original writings of the people who were writing at the time of the American Revolution."

Life lessons

City officials began touting San Marcos as an "education hub" after CSUSM opened in 1989. The university joined Palomar Community College, which founded its Mission Road campus in 1946.

High Tech High School, the University of Phoenix, Coleman University, the University of St. Augustine and the North County Regional Education Center now call San Marcos home, as well.

Mosteller said he met with the founders of private liberal arts colleges across the country before developing a business plan for San Elijo College.

"Between all of them, I was able to get a clear path in my mind about how to go about starting a school," he said.

The Nicene Creed ---- a basic statement of beliefs used by many Christian denominations ---- is prominently displayed on San Elijo College's Web site.

Mosteller said the board incorporated the creed to give the college a philosophical breadth without tying it to a particular church.

Christian scriptures, well-known theologians' works and other religions' texts will be on students' reading lists, he said, but students will not be required to adhere to a particular religion or belief system.

San Elijo College's tuition will be $8,000 a year. Mosteller said graduates will leave with bachelor's degrees in liberal arts and the ability to apply critical thinking skills to all aspects of their lives.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

Unemployed Homeowners to Get Help From Tarp?

Fri, 20 Nov 2009 08:25:49 -0600

Rescue plans are underway by Rep. Barney Frank. On Monday he said that he is pushing a proposal to use some of the interest the government collects from the financial industry bailout to give loans to unemployed homeowners struggling to pay their mortgages.

The lack of aid to jobless homeowners has been identified as a big weakness in the Obama administration's plan to tackle the mortgage crisis. A report by a congressional oversight panel said last month that the $50 billion program "was not designed to address foreclosures caused by unemployment," which are now the main cause of default.

These are people who are very responsible, very thoughtful. They got a home, it's above water, they've got equity, but they're unemployed, and you can't afford mortgage payments on unemployment," said Frank, D-Mass.

Frank said the program would be funded using interest banks pay on the $700 billion Wall Street bailout, known as the Troubled Asset Relief Program.

This program was actually developed by Congress in the 1970s but never funded. The proposal is now part of legislation introduced in September, called the Main Street TARP bill.

It would provide $2 billion in TARP money for low-interest loans to homeowners who have lost their jobs but who have good prospects for being able to resume mortgage payments in the future. The emergency loans would be provided for up to 12 months with the possibility of extending them for another year.

On Capitol Hill, many lawmakers have complained about the slow pace of loan modifications. Sen. Jack Reed, D-R.I., said in an interview last week that his staff has been considering ways to make mortgage companies do more loan modifications.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

Sonic Drive In Fever Hits Vista, California.

Wed, 18 Nov 2009 12:51:15 -0600

Its not H1N1 or the Swine Flu ---- what is it ---"Sonic Drive In Fever" has hit the City of Vista, California. Cars are circling and circling around the corner location on Main Street in Vista, Ca., orange cones are up and employees of Sonic are out directing traffic.

Who would have thought that this novelty restaurant would be such a hit. Many customers wait an hour and half or more to get a chance to order from the call box and have their food delivered by a waiter or waitress on roller skates.

Sonic is running a special and it is::Two hamburgers, Tater tots and drinks for $7.99 plus taxes. Not a bad price --- which breaks down to about $4.00 a person. Hard to believe for this price you get to dine at one of the most popular restaurants in Vista, and get entertained.

Vista, California is now on the map for those that want to experience a hot dining event. .

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

What Consumer Want On Real Estate Websites.

Mon, 16 Nov 2009 06:50:19 -0600

NAR has released a survey showing what kind of information most consumers want when visiting a real estate Website.

When participants were asked what info they considered critical 85.7 percent said that they wanted the ability to search for homes: 42.9 percent said they wanted school information: 57.1 percent said local crime rates and 28.6 percent said tax rates.

Also, this survey showed that most consumers were unfamiliar with the term "dual agency" and "facilitator". Apparently 50% of the respondents had no idea that there were different kinds of brokerage relationships.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

What Are The Advantages To The Seller In An Auction Situation?

Sun, 15 Nov 2009 07:15:30 -0600

Efficiency. Buyers come prepared to buy. "Lookers" are eliminated because most often bidders are required to pre-qualify with a bank prior to the auction. There is a sense of immediacy at auction. Sellers get maximum exposure for their properties. The auction marketing strategy differs from conventional advertising. It is more concentrated over a shorter time and therefore more intense and visible. High carrying costs are avoided. Through auction, the seller is in control and knows that if the reserve is set correctly, his/her property will sell on a certain day at a certain time and close usually within 30 days of the auction. By selling quickly, the seller is able to avoid high carrying costs such as mortgage, insurance, real estate taxes, security and maintenance and is also able to benefit from the use of the money to reinvest in other real estate or investment opportunities elsewhere.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

Back-Up Offers, Are They Similiar To Being a Bridesmaid Who Never Gets too?

Sat, 14 Nov 2009 14:44:42 -0600

Question, how worth while is it to place a back-up offer on a short-sale or a REO property? When listing agents tell you that they have an abundance of offers to select from ---- is it in your clients best interest to go into a back-up position? Will the listing agent be willing to take a back-up? It seems that there are several schools of thought on this subject:

How successful is it to be a back-up offer? Can your offer defy the odds and be the offer that gets chosen if the offer that was selected does not perform? Also, when an agent tells you that you can be the 10th back up offer ---- what are the risks?

Is being a back up offer like being a bridesmaid that never gets to make it down the aisle as a bride?

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

This is The Day To Stop Worrying!

Sat, 14 Nov 2009 09:32:41 -0600

Be on the lookout for when you worry about problems rather than taking action to solve them. Notice when you worrying while presenting a calm, unruffled exterior. Notice the negative emotions you experience when you worry. Notice when others worry, fail to act (when they can) and instead waste energy in emoting about a problem. When you catch yourself worrying apply the Mother Goose rhyme:

For every problem under the sun.

There is a solution or there is none.

If there be one, seek till you find it.

If there be none, then never mind it.

It is remarkable how seldom people follow this sage advice.

Worrying never adds to the quality of your life, but it can certainly diminish its quality.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

California Meidan Home Price.

Thu, 12 Nov 2009 09:56:38 -0600

California Median Home Price---September 09: $296,090 (Source: C.A.R.)
Calif. highest median home price by C.A.R. region September 09: Santa Barbara So. Coast $750,000 (Source: C.A.R.)
Calif. lowest median home price by C.A.R. region September 09: High Desert $117,820 (Source: C.A.R.)
California First Time Buyer Affordability Index. - Second Quarter 2009: 67 percent (Source: C.A.R.)
Mortgage Rates - week ending 11/5/09 30-yr. fixed: 4.98% Fees/points: 0.7% 15-yr. fixed: 4.40% Fees/points: 0.6% 1-yr. adjustable: 4.47% Fees/points: 0.5% (Source: Freddie Mac)

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

400 New Homes Coming To Carlsbad, California.

Thu, 12 Nov 2009 09:45:21 -0600

Brookfield Homes, out of Del Mar, California will joint efforts with their Riverside Division to begin breaking ground on the site of there new master-planned community called Foothills, which is right across from the newly proposed Carlsbad Unified School District High School Campus.

This fashionably chic community will be on 157 acres right off Cannon Road just east of El Camino Real. The grand opening of the Foothills is slated for the first quarter of 2010 and construction is now under way on the recreation center. This community will boast of a 2.6 acre recreation center, swimming pool, children's pool, picnic area with BBQ's paddle courts and grass playing areas. The first phase of new homes will include four neighborhoods of single-family homes sized from approximately 1700SF to 3000SF. Pricing to begin at the low $500,000. to the upper $700,000.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

Free Home Energy Saving Kit!

Wed, 11 Nov 2009 06:51:58 -0600

When you think about saving energy think about saving water, too, because there's a connection. San Diego Gas & Electric has assembled a special Free kit containing useful items to help you save water and the energy used to heat it. By saving energy and water you'll also be helping to protect the environment by conserving precious natural resources.

The Kit Includes:

One low flow showerhead
One faucet aerator for your kitchen
Two faucet aerators for your bathrooms.

These devices allow air to enter into the water stream, maintaining a high pressure flow while reducing overall water usage.

Going green is now easier than ever San Diego Gas and Electric is available @ SDGE.com/thermkit. or you can contact them at 1-800-644-6133.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

Bank Drops Price $185,000 On Home In Fallbrook, California.

Mon, 09 Nov 2009 12:48:37 -0600

Bank has dropped this homes price $185,000 and it is vacant, and in need of some repairs. This home has a swimming pool and is on over of a acre of useable land.

Country living well built Custom home.Pride of ownership,well maintained surround w/tranquility!Home sits on 1.23 usable flat land w/self income producing (40)macadamia nut trees for slight profit &great tax deduction.This property is zone for horses,cattle,poultry &corps of all kinds.

Call for more details @ 1-888-882-1198 Ext 111

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

Sales Down Slightly In the Community of San Marcos, California, for October.

Mon, 09 Nov 2009 12:06:40 -0600

Here is the statical data for the month of October 2009 sales in the community of San Marcos, Ca.

Detached homes sold in zip code 92069 32

Detached Homes sold in zip code 92078 42

Attached Homes sold in zip code 92069 16

Attached Homes sold in zip code 92078 18

Total homes sold for the month of October Detached - 74

Total homes sold for the month of October attached - 34

Sold homes including detached and attached 108

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

San Diego Gas & Electric To Restructure Rates On January 1, 2010.

Mon, 09 Nov 2009 10:17:13 -0600

San Diego Gas & Electric is restructuring and raising the rates come January 1, 2010. The reason for the restructuring is to charge those that use the least amount of electricity with an increase in there rates and lower the rates for those who use the most.

Beginning Jan 1, 2010 SDG&E wants to increase rates 5 % for customers who use less than 130 percent of "baseline" usage, representing the minimum amount of power a family needs.

SDG&E, says electricity for those customerrs is subsidized by those who pay more than twice as much for the power use beyond 130% of the baseline. Those higher rates would go down 4% to 5%.

California Public Utilities Commission is reviewing the plan.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

Fannie Mae Announces Deed For Lease Program!

Sun, 08 Nov 2009 08:03:12 -0600

An initiative has been announced by Fannie Mae dubbed Deed for Lease which will offer leasing your home back from Fannie Mae for up to 12 months with the possibility of renewal as long as the homeowners are willing to deed their property back to the mortgage giant and meet other conditions imposed by the program

To qualify, homeowners must have had their homes financed with mortgages guaranteed by Fannie Mae and must be ineligible for a modification of their loan terms.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

The Basic's on the Difference between a Lease Option & Lease Purchase.

Sat, 07 Nov 2009 10:40:11 -0600

Today, options to purchase, lease options and lease purchase agreements are three different financing documents. The variances are state specific and not all states have identical laws. Before entering into an agreement with a seller, buyers should obtain the advice of a real estate lawyer or a knowledgeable real estate agent/broker. The information below is an overview and is not meant to be construed as legal advice.

Basics of an Option

•· Buyer pays the seller option money for the right to later purchase the property. This option money may be substantial or as little as $1.

•· Buyer and seller may agree to a purchase price now or the buyer may agree to pay market value at the time the option is exercised. It is negotiable. However, most buyers want to lock in the future purchase price upon inception of the option.

•· The term of the option agreement is negotiable, but the common length is generally from one year to three years.

•· Option money is rarely refundable.

•· Nobody else can buy the property during the option period.

•· The buyer can sell the option to somebody else.

•· If the buyer does not exercise the option and purchase the property at the end of the option, the option expires.

•· The buyer is not obligated to buy the property.

Basics of a Lease Option

•· Buyer pays the seller option money for the right to later purchase the property. The lease option money may be substantial.

During the term of the lease option, the buyer agrees to lease the property from the seller for a predetermined rental amount.
The term of the lease option agreement is negotiable, but the common length is generally from one year to three years.
The option money generally does not apply toward the down payment.
A portion of the monthly rental payment typically applies toward the purchase price.
Option money is rarely refundable.
Nobody else can buy the property during the lease option period.
The buyer generally cannot assign the lease option without seller approval.
If the buyer does not exercise the lease option and purchase the property at the end of the lease option, the option expires.
The buyer is not obligated to buy the property.

Basics of a Lease Purchase

Buyer pays the seller option money for the right to later purchase the property. This option money may be substantial.
Buyer and seller agree on a purchase price, often at or a bit higher than market value.
During the term of the option, the buyer agrees to lease the property from the seller for a predetermined rental amount.

The term of the lease purchase agreement is negotiable, but the common length is:

generally from one year to three years, at which time the buyer applies for bank financing and pays the seller in full.
The option money generally does not apply toward the down payment.
A portion of the monthly lease payment typically applies toward the purchase price.
Option money is nonrefundable.
Nobody else can buy the property unless the buyer defaults.
The buyer typically cannot assign the lease purchase agreement without seller approval.
Buyers are often responsible for maintaining the property and paying all expenses associated with its upkeep, including taxes and insurance.

The buyer is obligated to buy the property

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

Modification to Loans for Manufacture Home and New Spinning Rules For Investors.

Fri, 06 Nov 2009 23:30:10 -0600

All Manufactured Home financing is going away for at least the foreseeable future. If you have a deal in progress and it's a manufactured home, please call your loan agent. It might not be able to be closed as of this week

New Anti "Spinning" Rule will stop any non owner purchase if the property was previously purchased by an investor in the last 90 days. Many lenders are extending the rule to 180 days. This started last week and is not going away anytime soon.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

Almost $3 Million Settlement For Housing Discrimination.

Fri, 06 Nov 2009 22:38:37 -0600

The U.S. Department of Justice has obtained a record $2.725 million settlement against Los Angeles apartment owners for alleged rental discrimination. In a lawsuit brought in August 2006, the Justice Department claimed that Donald T. Sterling and others engaged in discriminatory practices, such as refusing to rent to African-Americans, Hispanics, and families with children, refusing to rent to non-Koreans in Koreatown buildings, misrepresenting the availability of rental units, and preparing internal reports of tenants' racial profiles.

Under the name of Beverly Hills Properties, the defendants in this lawsuit own and manage about 119 apartment buildings containing over 5,000 apartment units in Los Angeles County. Their agreement to pay $2.725 million is the largest monetary settlement the Justice Department has ever obtained for rental housing discrimination. The bulk of the money will be placed in a fund to pay tenants harmed by the defendants' discriminatory practices. The defendants must also take certain measures to ensure non-discriminatory practices, such as obtain fair housing training and monitor their employees' compliance with fair housing laws over the next three years.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

Local Library offering Free Foreclosure Prevention in San Diego, California.

Sun, 01 Nov 2009 09:54:30 -0600

A free foreclosure prevention seminar will be held on 11/10/2009 @ 5PM in Descanso. Please contact the number below for insturction on how to locate this branch of the public library.

Housing Opportunities Collaborative, a non-profit housing advocacy organization is holding a free HOME workshop, providing homeowners with information from experts like housing counselors, mortgage counselors and real estate and bankruptcy attorneys.

Library: Descanso
Contact: Branch Staff
Contact Number: 619-445-5279

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

Flu Prevention and Treatment Tips!

Sun, 01 Nov 2009 09:34:46 -0600

•§ Cover your nose and mouth with a tissue when you cough or sneeze. Throw the tissue in the trash after you use it.

•§ Wash your hands often with soap and water, especially after you cough or sneeze. Alcohol-based hand cleaners are also effective.

•§ Avoid touching your eyes, nose or mouth. Germs spread this way.

•§ Try to avoid close contact with sick people.

•§ Stay home if you are sick until at least 24 hours after you no longer have a fever (100°F or 37.8 C) or signs of a fever (without the use of a fever-reducing medicine, such as Tylenol® Aspirin or ?)..

•§ Follow public health advice regarding school closures, avoiding crowds and other social distancing measures.

Getting a flu shot can be helpful, so be on the look out for locations that may offer than for free or for a minimal fee.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

Sonic Drive-In Celebrates Grand Opening In Vista, California.

Sat, 31 Oct 2009 08:51:21 -0500

Get ready to get your food served to you by carhops on skates at the new Sonic Drive-In Opening on 11-2-2009 in Vista.. This is the second Sonic to open the other is located in Santee, Ca. Sonic is know for its Lineade, Tots, and Extra Long Chili Cheese Coney's.

Sonic customers drive into a stall and push a red button on the menu board to place orders from their car. Carhops on skates deliver orders to customers in their cars or sitting on the patio.

The restaurant opens at 5:30AM and will close at 12 midnight. Located at 101 Main Street, Vista, Ca.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

Credit Card Disputes Could Delay Processing Of Mortgage Applications.

Fri, 30 Oct 2009 09:39:58 -0500

Some consumers with exceptional credit reports and high FICO scores are being denied mortgages by Fannie Mae's automated underwriting system because there is a notation in the credit report that the consumer has disputed an item.

Under the Fair Credit Reporting Act, consumers are guaranteed the right to dispute inaccurate information on any account in their credit files. Once a consumer disputes an item in their credit report, a notation to this effect is made in the file. Until the notation is removed, most credit-scoring system generally will not factor the disputed item into the computation of the consumer's score.

However, with the recent surge in companies claiming to "clean up" and "erase" blemishes on consumers' credit reports, some lenders are finding that these credit companies are disputing accurate, but negative items, hoping the consumer will qualify for a loan before the dispute is resolved.

Applications that are denied through Fannie Mae's automated underwriting system, which is used by virtually all lenders doing business with Fannie Mae, are sent back to the lender for manual underwriting. It is then up to the lender to determine and document whether the disputed information is accurate and underwrite the borrower's credit accordingly.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta

4 Bedroom Over Priced Bank Owned Bonita, Ca Home.

Fri, 23 Oct 2009 10:21:42 -0500

Again we must ask ourselves what was the bank thinking ---- this home which is not listed with an agent is on the banks website. This bank wants $740,000 for a home that currently is only worth $435,000 to 450,000. Yes, the comps in the area do not support the price that this bank is asking.

The home has a history of a repaired crack slab, plus it has several other problems, that do not support the price that this bank is hoping to get. I am amazed at the fact that this bank has not one but at least six properties that are not price at the current fair market value sitting in there inventory for over two years.

Find out the benefits to selling or buying a home traditionally or non traditionally --- contact us @ 1888-882-1198 Ext 111. Or visit our websites @ LandNSeaAuctions.com or CrescentMoonRealty.biz.

Lorraine or Loretta