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DRE LicenseKathy Dyer #01723710 Christine Sturgis #01232805 Licensed In California Copyright 2000-2011 Keller Williams ® Realty. - a real estate franchise company. All information provided is deemed reliable but is not guaranteed and should be independently verified. Properties subject to prior sale or rental. Government Disclosure: The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice. It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner. The above brokerage is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan.
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Listing data of Kathy Dyer Agent from MLS is deemed reliable, but not guaranteed and is made available for personal and non-commercial use. |
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 Kathy Dyer Realtor License # 01723710 CDPE Certified Distressed Property Expert, and her team help home owners who need to short sale in the Roseville, Rocklin, Lincoln, Loomis, Granite Bay and Sacramento areas in Placer and Sacramento counties.
For more information about Short sales visit www.HomeTeamGirls.com. If you know anyone who is upside down on their property and can not afford their mortgage, and does not know where to go next, we can help them.
Visit our websites at:
www.UpsideDownHomeCures.com
Search Sacramento Real Esate
Read My Blog
Phone: 916-759-2147
Email Kathy@HomeTeamGirls.com 
This site, Kathy Dyer, Christine Sturgis or Keller Williams Realty is not providing legal or tax advice. The information provided is for educational and informational purposes only. It is recommended that sellers considering a short sale should consult an independent legal and tax advisor for more information.
IMPORTANT GOVERNMENT NOTICE: Kathy Dyer, Christine Sturgis and Keller Williams Realty are not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.
 Chase Bank is Giving Delinquent Home Owners 30,000 to Short Sale their Home!
I got a call from a client of mine that received letter in the mail from her bank which is Chase. They have been unsuccessfully trying to do a loan mod for over 1 year now to no avail. They called me to see if this was a scam. I told them I have read about this short sale program and it is for real. It seems that Chase is offering this to people who have really bad loans, at least this is the case with our client.
Our client's home is an investment property and as part of the conditions of the short sale, the bank is waiving all rights to go after any deficiencies. Sounds like a good deal doesn't it. We were told to list the property at fair market value and that we would get a fast approval.. We had an auction date early June which I was able to get postponed.
If anyone has a Chase loan and want to find out about this Chase short sale outreach program, give me a call to see if we can help you short sale your home.
We are Roseville area Short Sale Specialists ready to help anyone who is upside down on their property and can not afford to make payments anymore. Give Kathy Dyer a call at 916-759-2147, you are not alone. Kathy Dyer and Christine Sturgis has helped many people short sale their properties and get a clean start.
Kathy Dyer Realtor License # 01723710 CDPE Certified Distressed Property Expert, and her team help home owners who need to short sale in the Roseville, Rocklin, Lincoln, Loomis, Granite Bay and Sacramento areas in Placer and Sacramento counties.
For more information about Short sales visit www.HomeTeamGirls.com. If you know anyone who is upside down on their property and can not afford their mortgage, and does not know where to go next, we can help them.
Visit our websites at:
www.UpsideDownHomeCures.com
Search Sacramento Real Esate
Read My Blog
Phone: 916-759-2147
Email Kathy@HomeTeamGirls.com
This site, Kathy Dyer, Christine Sturgis or Keller Williams Realty is not providing legal or tax advice. The information provided is for educational and informational purposes only. It is recommended that sellers considering a short sale should consult an independent legal and tax advisor for more information.
IMPORTANT GOVERNMENT NOTICE: Kathy Dyer, Christine Sturgis and Keller Williams Realty are not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.
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| Information valid for the date of this posting only. Please contact us for the most current information and status of this property. |
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Like Better Homes & Gardens! |
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Can you say, "Better Homes and Gardens"? Come home to paradise! This home is perfection & nestles in the heart of Folsom. Extensive remodeling throughout this home create warmth & style. The back yard is an oasis w/ a sparkling pool & lush landscaping which will delight guests & family. Everyone will love all this home has to offer: Boat storage, finished garage w/ cabinets & workbench. Close to the lake so bring the boat and launch into summer. Moments from schools, shopping, entertainment and Historic Old Folsom.
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Kathy Dyer Realtor License # 01723710 CDPE Certified Distressed Property Expert, and her team help home owners who need to short sale in the Roseville, Rocklin, Lincoln, Loomis, Granite Bay and Sacramento areas in Placer and Sacramento counties.
For more information about Short sales visit www.HomeTeamGirls.com. If you know anyone who is upside down on their property and can not afford their mortgage, and does not know where to go next, we can help them.
Visit our websites at:
www.UpsideDownHomeCures.com
Search Sacramento Real Esate
Read My Blog
Phone: 916-759-2147
Email Kathy@HomeTeamGirls.com
This site, Kathy Dyer, Christine Sturgis or Keller Williams Realty is not providing legal or tax advice. The information provided is for educational and informational purposes only. It is recommended that sellers considering a short sale should consult an independent legal and tax advisor for more information.
IMPORTANT GOVERNMENT NOTICE: Kathy Dyer, Christine Sturgis and Keller Williams Realty are not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.
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| Information valid for the date of this posting only. Please contact us for the most current information and status of this property. |
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Scan with your smartphone & take me with you. |
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This home is located in wonderful
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This home is located in wonderful gated neighborhood minutes from galleria mall and freeway access. Home is well maintained and tasetfully decorated with warm hues that makes this home feel really cozy! Relax next to the lovely river rock fireplace. Back yard features a pool/ water fall and large grassy backyard and patio. 3 car garage with double sided garage. 3 beds/ 2 baths, office and a very large loft used now as a bedroom. Formal dining and family room that overlooks the kitchen.
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Kathy Dyer Realtor License # 01723710 CDPE Certified Distressed Property Expert, and her team help home owners who need to short sale in the Roseville, Rocklin, Lincoln, Loomis, Granite Bay and Sacramento areas in Placer and Sacramento counties.
For more information about Short sales visit www.HomeTeamGirls.com. If you know anyone who is upside down on their property and can not afford their mortgage, and does not know where to go next, we can help them.
Visit our websites at:
www.UpsideDownHomeCures.com
Search Sacramento Real Esate
Read My Blog
Phone: 916-759-2147
Email Kathy@HomeTeamGirls.com
This site, Kathy Dyer, Christine Sturgis or Keller Williams Realty is not providing legal or tax advice. The information provided is for educational and informational purposes only. It is recommended that sellers considering a short sale should consult an independent legal and tax advisor for more information.
IMPORTANT GOVERNMENT NOTICE: Kathy Dyer, Christine Sturgis and Keller Williams Realty are not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.
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| Information valid for the date of this posting only. Please contact us for the most current information and status of this property. |
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Scan with your smartphone & take me with you. |
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Stop the car! Beaver Cleaver lives |
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Stop the car! Beaver Cleaver lives here!! Wonderful home with all the perks! Gated pool, RV storage/ boat storage, permitted sunroom, master bedroom with LARGE walk-in closet. Lots of patio space in back yard. Perfect for all your needs. --------------------------------------------------------------------------------
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Kathy Dyer Realtor License # 01723710 CDPE Certified Distressed Property Expert, and her team help home owners who need to short sale in the Roseville, Rocklin, Lincoln, Loomis, Granite Bay and Sacramento areas in Placer and Sacramento counties.
For more information about Short sales visit www.HomeTeamGirls.com. If you know anyone who is upside down on their property and can not afford their mortgage, and does not know where to go next, we can help them.
Visit our websites at:
www.UpsideDownHomeCures.com
Search Sacramento Real Esate
Read My Blog
Phone: 916-759-2147
Email Kathy@HomeTeamGirls.com
This site, Kathy Dyer, Christine Sturgis or Keller Williams Realty is not providing legal or tax advice. The information provided is for educational and informational purposes only. It is recommended that sellers considering a short sale should consult an independent legal and tax advisor for more information.
IMPORTANT GOVERNMENT NOTICE: Kathy Dyer, Christine Sturgis and Keller Williams Realty are not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.
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| Information valid for the date of this posting only. Please contact us for the most current information and status of this property. |
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Scan with your smartphone & take me with you. |
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Good investment property.Cute Bungalow in great
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Good investment property.Cute Bungalow in great location minutes to freeway and light rail. Large deep backyard. Newer Dual Pain windows, paint and exterior stucco. Wood floors refinished. Roof looks good too. Needs some updating in kitchen. Light fixer. CASH ONLY --------------------------------------------------------------------------------
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Kathy Dyer Realtor License # 01723710 CDPE Certified Distressed Property Expert, and her team help home owners who need to short sale in the Roseville, Rocklin, Lincoln, Loomis, Granite Bay and Sacramento areas in Placer and Sacramento counties.
For more information about Short sales visit www.HomeTeamGirls.com. If you know anyone who is upside down on their property and can not afford their mortgage, and does not know where to go next, we can help them.
Visit our websites at:
www.UpsideDownHomeCures.com
Search Sacramento Real Esate
Read My Blog
Phone: 916-759-2147
Email Kathy@HomeTeamGirls.com
This site, Kathy Dyer, Christine Sturgis or Keller Williams Realty is not providing legal or tax advice. The information provided is for educational and informational purposes only. It is recommended that sellers considering a short sale should consult an independent legal and tax advisor for more information.
IMPORTANT GOVERNMENT NOTICE: Kathy Dyer, Christine Sturgis and Keller Williams Realty are not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.
Who are the Voiceless Casualties of the Housing Crisis?
 Have you ever asked the question, “what happens to the pets of people who are displaced from their homes?”
As Realtors, Kathy Dyer and I are designated as Distressed Property Specialists. We have the privilege of helping people navigate through this difficult and declining housing market. Many people are losing their homes and having to find temporary housing or apartments. Others stay with family or friends until the dust settles. We understand what a difficult and stressful event this is in peoples lives. There is another population that is being displaced and we want to help as well.
It is a sad fact that people are having to make difficult and heartbreaking decisions about their pets. Kathy and I visited with the Staff at the Placer SPCA to see what we could do to help these displaced animals. We were so impressed and moved by the work that the SPCA is doing to help people and their pets. The SPCA is very sensitive to the needs of the animals who have lost their homes. They have programs that help with boarding expenses until the owners find housing. They also have loans and grants to help with pet deposits for apartments.
 For assistance with pets and services for displaced families, check out the SOS Program for help. Their goal is to keep people and their animals together whenever possible.
If you know anyone who is struggling to keep their beloved pets please share these links with them, www.PLACERSPCA.org. Be sure to check out their many volunteer opportunities and community events and fund raisers.
Kathy and I will be working with the Placer SPCA to help raise awareness about the services and needs of our voiceless, four legged friends. I am actually going through the orientation and classes to become a volunteer. There are so man y different programs and volunteer projects you can become involved with. Everything from fostering puppies and kittens to adoption counseling to marketing and special events.
Don’t forget to visit the SPCA’s thrift shop right there on Washington Blvd! Please keep posted as we will be posting updates about the activities and events about the Placer SPCA!
Christine Sturgis Realtor
Important Government Notice: Kathy Dyer, Christine Sturgis and Keller Williams Realty are not associated with the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.
Kathy Dyer Realtor License # 01723710 CDPE Certified Distressed Property Expert, and her team help home owners who need to short sale in the Roseville, Rocklin, Lincoln, Loomis, Granite Bay and Sacramento areas in Placer and Sacramento counties.
For more information about Short sales visit www.HomeTeamGirls.com. If you know anyone who is upside down on their property and can not afford their mortgage, and does not know where to go next, we can help them.
Visit our websites at:
www.UpsideDownHomeCures.com
Search Sacramento Real Esate
Read My Blog
Phone: 916-759-2147
Email Kathy@HomeTeamGirls.com
This site, Kathy Dyer, Christine Sturgis or Keller Williams Realty is not providing legal or tax advice. The information provided is for educational and informational purposes only. It is recommended that sellers considering a short sale should consult an independent legal and tax advisor for more information.
IMPORTANT GOVERNMENT NOTICE: Kathy Dyer, Christine Sturgis and Keller Williams Realty are not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.
ROSEVILLE SHORT SALE REALTOR CLOSES ANOTHER WELLS FARGO SHORT SALE
 The Home Team Girls, Roseville Short Sale Realtor, closed another successful short sale in Roseville! We negotiated with Wells Fargo Bank to release the home owner from any future liabilities of deficiencies between what the bank got paid from the short sale and what was owed on the mortgage.
It is important for Short Sale Realtors to successfully negotiate with the bank in order to acquire full release of all liabilities. That is why home owners who are upside down on their property to find an experienced short sale specialist to represent them on their short sale, find one that has been trained or certified plus has had success closing short sales.
The market rules are changing all the time so it is imperative that your find a Realtor who is in the trenches learning the latest rules that apply to the latest short sale programs that help homeowners.
  Make sure that you first check with a real estate attorney so they can advise you on any pit falls from a short sale versus a bank foreclosure. In most cases, a short sale makes more sense.
Another resources you will need advise on is if you will have any tax consequences on completing a short sale. Again, most people do not have tax consequences, but every person has specific and unique situations that only a CPA can advise you on.
If you need any referrals for Real Estate Attorney or a CPA that is experience in Short Sales, call a Short Sale Specialist in your area.
If you need a referral for a Certified Short Sale Realtor, I am part of a data base of associates that I can recommend to you. Give me a call. Home owners who are upside down on their home and can not afford their payments any more are not alone. If you know anyone who needs help keeping their home out of foreclosure, we're here to help. Give us a call.
Kathy Dyer Realtor License # 01723710 CDPE Certified Distressed Property Expert, and her team help home owners who need to short sale in the Roseville, Rocklin, Lincoln, Loomis, Granite Bay and Sacramento areas in Placer and Sacramento counties.
For more information about Short sales visit www.HomeTeamGirls.com. If you know anyone who is upside down on their property and can not afford their mortgage, and does not know where to go next, we can help them.
Visit our websites at:
www.UpsideDownHomeCures.com
Search Sacramento Real Esate
Read My Blog
Phone: 916-759-2147
Email Kathy@HomeTeamGirls.com
This site, Kathy Dyer, Christine Sturgis or Keller Williams Realty is not providing legal or tax advice. The information provided is for educational and informational purposes only. It is recommended that sellers considering a short sale should consult an independent legal and tax advisor for more information.
IMPORTANT GOVERNMENT NOTICE: Kathy Dyer, Christine Sturgis and Keller Williams Realty are not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.
First Time Home Buyer Traps to Avoid for Roseville Buyers
 DON'T BECOME A BUTTERFLY BUYER 
Butterflies that go from flower to flower gathering nectar are like buyers that go from listing agent to listing agent trying to see if a particular home is available. More often than not, anxious buyers are later disappointed to learn that another buyer has already placed an offer on the home. Once this happens several times, a first time home buyer will become more proactive and attain a buyer's agent.
If this has happened to you, find a Realtor that will set you up on your own customized personal portal. These portals can be set up to email you every morning with the newest listings that hit the MLS that match your criteria. No more wasting time looking at homes that do not match what you want. Let technology save you time.
Not many people know this....the Realtor MLS displays new listings from 24-48 hours before the public internet real estate sites display them. A savvy first time home buyer, who is working with a Realtor, will see these homes first and have the opportunity to make offers before the general public. Most REO bank owned properties get multiple offers the first day they hit the MLS. If you want to find the good homes, the early bird gets the worm. Go find a Buyers Agent to represent you, not the seller. Fill out the form on our website at HOME TEAM GIRLS to get started on a portal.
 DON'T LOW BALL YOUR OFFERS
Following the economic housing market collapse, desperate sellers were often eager to accept an offer, any offer. Until recently, any first time home buyer looking for competitive prices may be disappointed. Competition that comes form cash paying investors, international buyers, and downsizing retirees have made a noticeable impact on the market. In January 2011, about 32% of purchases were made with cash, up from 26% a year ago, according to (NAR) National Association of Realtors. Sellers are often more inclined to accept these offers since they don't need to wait for a lender to approve financing. Placing a slightly higher offer may incline a seller to accept your offer over a lower cash offer.
 WAIT TILL THE MARKET HITS BOTTOM
No one has a crystal ball, but what we do know is this: interest rates will not last at this rate for long. Many economists predict that interest rates will go up the 4th quarter of 2001 or early 1st quarter of 2012. Once hit with higher interest rates, the affordability factor for a first time home buyer, will affect the price range they qualify for. They will be stuck having to buy a smaller, less upgraded or older home than they can buy now. Home prices are great now, don't fall victim to procrastination.
FOR MORE INFORMATION ABOUT FIRST TIME HOME BUYER PROGRAMS AND HOW TO GET STARTED, CALL THE HOME TEAM GIRLS- www.HomeTeamGirls.com WE CAN GET YOU SET UP ON YOUR OWN SEARCH PORTAL.
Kathy Dyer Realtor License # 01723710 CDPE Certified Distressed Property Expert, and her team help home owners who need to short sale in the Roseville, Rocklin, Lincoln, Loomis, Granite Bay and Sacramento areas in Placer and Sacramento counties.
For more information about Short sales visit www.HomeTeamGirls.com. If you know anyone who is upside down on their property and can not afford their mortgage, and does not know where to go next, we can help them.
Visit our websites at:
www.UpsideDownHomeCures.com
Search Sacramento Real Esate
Read My Blog
Phone: 916-759-2147
Email Kathy@HomeTeamGirls.com
This site, Kathy Dyer, Christine Sturgis or Keller Williams Realty is not providing legal or tax advice. The information provided is for educational and informational purposes only. It is recommended that sellers considering a short sale should consult an independent legal and tax advisor for more information.
IMPORTANT GOVERNMENT NOTICE: Kathy Dyer, Christine Sturgis and Keller Williams Realty are not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.
 Since the beginning of the mortgage scandal, where most large banks allegedly processed hundreds of thousands of foreclosure documents improperly, Wells Fargo has maintained that its business practices have been in accordance with the law.
John Stumpf, Chairman and CEO of Wells Fargo, released the following statement: "We are confident that our practices, procedures and documentation for both foreclosures and mortgage securitizations are sound and accurate. For those reasons, we did not, and have no plans to, initiate a moratorium on foreclosures." For more info go our website at Upside Down Home Cures.com .
What does this mean for a home owner that is behind on their Wells Fargo Mortgage? If a foreclosure is looming on your horizon, the best solution best is to talk with an experienced short sale realtor. The Short Sale Realtor can recommend some alternatives to foreclosure and point you to professionals for advice on the possible tax ramifications or deficiencies comparing foreclosure to a short sale.
Kathy Dyer Realtor License # 01723710 CDPE Certified Distressed Property Expert, and her team help home owners who need to short sale in the Roseville, Rocklin, Lincoln, Loomis, Granite Bay and Sacramento areas in Placer and Sacramento counties.
For more information about Short sales visit www.HomeTeamGirls.com. If you know anyone who is upside down on their property and can not afford their mortgage, and does not know where to go next, we can help them.
Visit our websites at:
www.UpsideDownHomeCures.com
Search Sacramento Real Esate
Read My Blog
Phone: 916-759-2147
Email Kathy@HomeTeamGirls.com
This site, Kathy Dyer, Christine Sturgis or Keller Williams Realty is not providing legal or tax advice. The information provided is for educational and informational purposes only. It is recommended that sellers considering a short sale should consult an independent legal and tax advisor for more information.
IMPORTANT GOVERNMENT NOTICE: Kathy Dyer, Christine Sturgis and Keller Williams Realty are not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.
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Kathy Dyer ROSEVILLE SHORT SALE REALTOR TIPS AND STRATIGIES
Roseville,
CA
More about me…
KATHY DYER Lic # 01723710 CHRISTINE STURGIS Lic # 1232805
Address: Keller Williams Realty, 548 Gibson Dr Suite 200, Roseville, CA, 95678
Cell Phone: (916) 759-2147
Email Me
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