Roseville Buyer & Seller Tips

BACK ON THE MARKET! Come home to paradise! Beautiful, custom home nestled against over 160 acres of dedicated horse trails! This property has it all & has been meticulously maintained. Enclosed sun room & great room have panoramic views of the valley below. Spacious barn has finished bonus room upstairs. Master bd rm opens to a slate stone patio and endless views. Make this end of the road home your own private retreat. All of this minutes from down town Auburn

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DRE License Kathy 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.

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

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Phone: 916-759-2147

Email Kathy@HomeTeamGirls.com

This site, Kathy Dyer Realtor Lic #02723710, Christine Sturgis Realtor Lic #01232805 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.

UNDER WATER ON YOUR HOME- WHAT TO DO WITH THAT HELOC?

Tue, 29 May 2012 12:44:12 -0700

Short Sale Tips for those who have a HELCO “Home Equity Line of Credit.

Home Equity Lines of Credit can be really hard to get approved on a short sale. The bank usually wants more than what the 1^stlien holder is willing to give. A lot of times these 2^nd liens will want the “borrower” home owner to pay cash at closing or sign a promissory note or a combination of both to approve the short sale.

Savvy Short Sale Realtors will always alert their clients of this fact when discussing their client’s short sale options. First thing to decide is if the 2^nd lien is a purchase money lien, used to pay for the home, or a cash out equity line. Once determined that the 2^nd lien is a HELOC, we evaluate the financial hardship of the home owner.

I personally will ask if the home owner is able to participate in the loss. Most home owners are not able to participate and truly have a considerable hardship. An experienced do all they can to mitigate any cash coming out of their client’s pockets.

I have found that the cash out is used in 1 of 3 ways or a combination of all.

If the CASH OUT WAS USED TO:

PAY OFF EXPENSES like living expenses, medical bills and or food, your Short Sale Realtor will ask for that documentation to prove to the bank that the homeowner was not just buying a new car with the money. This usually helps and the bank may not ask for more money over than what the 1^st will give. When an experienced short sale realtor knows that they are working with a HELOC up front, they may negotiate with the buyer once they get the offer. Handling this scenario upfront will keep the short sale in process and approved faster than not anticipating this situation in the first place.

IMPROVE THE HOME and if that is the case, your REALTOR will provide all receipts and documentation showing the bank that the homeowner increased the value in the home or make needed repairs to keep the home in good condition.

BUY PERSONAL ITEMS like boats, cars and life style toys, as this is harder to negotiate. You have to see it from the banks perspective, if cash was taken from the property to buy personal items; banks are looking to recover as much as they can. Most of the time banks will allow 20-30 cents on the dollar which is still a good deal.

A COMBINATION of the above. If some funds were used to pay off medical bills and some used for personal items, then the bank will take that into consideration and may not require as much of a cash contribution. Remember, if the home owner shows funds in their bank statement, it will be hard to justify to the bank that the homeowner cannot afford to make any contribution at all.

An Experienced Short Sale Realtor will get their clients the best results when dealing with a HELOC. Now is not the time to work with a friend of the family who is a realtor or someone you may know who sells homes. You will want to work with someone who does and works short sale all day long. They will get the best results, resulting you less out of your pocket if anything at all. I have found the better the hardship, the better the results. If the home owner does not show much money reserves in their bank or savings accounts, then an experienced Short Sale Realtor will have better results with negotiating no money out of your pocket. short sale realtor

Take Action Now:

Talk with an experienced as soon as you know you cannot pay your mortgage.

Pull together the documents needed for the short sale. Your short sale realtor will let you know.

Find the documents needed to prove you used the cash out for anything other than personal items.

Visit our websites at:

www.UpsideDownHomeCures.com

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Phone: 916-759-2147

Email Kathy@HomeTeamGirls.com

WARNING FOR THOSE DISTRESSED HOMEOWNERS WHO FACE FORECLOSURE OR SHORT SALE AFTER 12-31-2012

Mon, 21 May 2012 21:56:28 -0700

Cancelation of Debit relief Act Set to EXPIRE 12-21-2012.

What this means to home owners who short sales or foreclosure next year?

Cancelation of Debt Tax what is it?

Home owners who short sale or foreclose on their home can be taxed of the difference on what you owe on your mortgage and what they get from the short sale or foreclosure. Let’s say you owe $300,000 on your mortgage, and you sell it for $200,000. That means you are short by $100,000 and that debt is forgiven wither in the short sale or foreclosure. The amount of the debt that is forgiven is taxable. If you are at the 20% tax bracket you would owe 20% of $100,000 which is $20,000. This is devastating to the already distressed home owner.

We are not sure if this debt forgiveness bill will be extended or not into 2013. Although short sale time periods have reduced, it is not unusual for them to take more than 6 months to close so start your short sale now. There will be a mad dash at the end of the year to get short sales closed and banks will get swamped. Banks don’t have to foreclose within a certain time period so a short sale is the best solution for most people.

Find an experienced realtor who specializes in short sales and who is knowledgeable. Don’t risk it and act now!

Debt Forgiveness Explained

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Phone: 916-759-2147

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BREAKING NEWS- BANK OF AMERICA SHORT SALE RELOCATION UP TO 30,000 CASH

Mon, 21 May 2012 21:08:17 -0700

Bank of America Short Sale Short Sale Relocation Assistance up to $30,000 CASH TO HOMEOWNERS!Qualifying Bank of America borrowers could receive incentives anywhere from $2,500 to $30,000 in cash upon the close of a short sale. The amount of assistance provided under the new program is determined on a case-by-case basis, taking into consideration the value of the home and the amount owed. This is a part of the attorney general’s 25 billion dollar settlement.

Qualifications for the program include:

· Must participate in the Bank of America Proprietary Short Sale Program or HAFA

· Must be pre-approved for a short sale without an offer submitted.

· Short sale must be initiated by the end of 2012 and must close by 9-26- 2013.

· Can not already have an offer

· Short Sales already in progress do not qualify- Bank of America will review all short sales already in process to see if they qualify for this new program. If you are in question, call Bank of America at: 1.866.880.1232 to speak to a Bank of America short sale specialist about this exciting limited-time preapproved price short sale program offering.

Urgent reminder! Mortgage Debt Forgiveness is expiring 12-31-12. Make sure you close your short sale by the end of the year 2012 or else you will owe taxes on the debt that is forgiven.

This is another Bank of America Update brought to you by Short Sale Roseville Realtor Specialist Kathy Dyer

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Phone: 916-759-2147

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Bank of American Short Sale Sold in Roseville Crocker Ranch

Fri, 11 May 2012 09:29:41 -0700

Schedule a Showing/Request Info

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Roseville Homes For Sale

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Kathy Dyer

Keller Williams Realty

916-759-2147

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Licensed In:
CA

License #:
01723710

Information valid for the date of this posting only. Please contact us for the most current information and status of this property.

1509 Blue Beaver

Roseville, CA

Scan with your smartphone & take me with you.

SOLD

Crocker Ranch on Gated Longview. Own

$ Click for current price

3 BEDROOMS

2.5 BATHROOMS (2.5 full)

1688 Square Feet

We successfully sold another Bank of America Short Sale in Crocker Ranch in Gated Longview. We negotiated a full release of the debt and sellers were very happy for a fresh new start.

If you know anyone who needs to sell their home fast, have them call us.

The tax forgivness law is due to expire this year. What that means is this: If you owe the bank 300,000 and you sell for $200,000, the bank is short by $100,000. If the bank decides to accept only $200,000 that means you are diffencient by $100,000. The bank will 1099 you on that amount of $100,000. If you short sale this year, your CPA will file a form to exclude that amount as income so you would not owe any taxes. If you short sale next year as it stands now, you may owe taxes on that amount. IT IS IMPERATIVE to speak with your tax person if you think you may have to short sale at all and see how it would affect you.

Call me for any questions

Kathy Dyer Lic # 01723710 916-759-2147

L2L Property Websites AR

DRE License Kathy Dyer #01723710 Christine Sturgis #01232805

Licensed In California

Visit our websites at:

www.UpsideDownHomeCures.com

Search Sacramento Real Esate

Read My Blog

Phone: 916-759-2147

Email Kathy@HomeTeamGirls.com

ROSEVILLE RENTERS BEWARE - CRAIGS LIST SCAM - IDENITY THEFT

Wed, 09 May 2012 09:27:55 -0700

ROSEVILLE RENTERS BEWARE - POTENTIAL CRAIGS LIST SCAM - IDENTITY THEFT

As part of our service to the community, we like to give residents tips and advise in the real estate world. We just became aware if this new ploy to steal away the identities form people wanting to rent homes and use Craig's List.

It is hard to find rentals in this area with so many people losing their homes to foreclosures and short sales. Recovery from a short sale can be 3 years or longer with survival even longer with foreclosures.

I know we often try to help our clients find homes after completing a short sale. It can be competitive with rates now even going higher with homes being rented out within a short period of time.

The scam. Often people posing as landlord will copy pictures from listings and pose as the owners. They will often say they are out of town and once the potential renter fills out an application, they will arrange for a showing of the property. By then it is too late. They already have your information.

Some tips to keep you safe.

If using an online posting website- meet the person at the home first to view the property. Do not give them any info unless they are a reputable property management company.
Do a search to make sure the property is not in default. A real estate agent can look that up for you.
Use a property management company to find you a property. Usually the fee is paid for by the property owners.

Good house hunting!

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www.UpsideDownHomeCures.com

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Phone: 916-759-2147

Email Kathy@HomeTeamGirls.com

Open House West Roseville

Wed, 09 May 2012 08:04:30 -0700

OPEN HOUSE, May 12, Saturday 11:00 AM - 2:00 PM

1600 Red Squirrel, Roseville, CA

Get Directions Click Here

Description

Photos

Maps & Local

Schools

Virtual Tour

$ Click for current price

4 BEDROOMS

3 BATHROOMS (3 full)

2667 Square Feet

Over 44K in upgrades! Sophisticated upscale home. Turn key home features open floorplan with vaulted ceilings. Upgrades include: Knotty Alder Mocha Cabinets, Cherry Stained Stair Rails.Granite Slab on Kitchen island and counters. 18" tile flooring in kitchen, entry and dining room. Stainless steel sink in kitchen. Crown molding in MasterBedroom. 2 Tone Paint throughout. Prewired for surround sound and central vac. Backyard is low maintenance. Bonus room used as media room. Only single story home backs up to backyard. Large bonus room upstairs plus a bonus room off master.

Search All Homes For Sale

Roseville Homes For Sale

Free List of Foreclosed Homes For Sale

What is your home worth?

Avoid Foreclosure

Kathy Dyer

Keller Williams Realty

916-759-2147

kathy@hometeamgirls.com

L2L Virtual Tours AR

Visit our websites at:

www.UpsideDownHomeCures.com

Search Sacramento Real Esate

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Phone: 916-759-2147

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Open House West Roseville Saturday 5-12-12 11 am -2 pm

Wed, 09 May 2012 07:31:51 -0700

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                                                                        OPEN HOUSE, May 12, Saturday 11:00 AM - 2:00 PM<br/>
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                                                                        1600 Red Squirrel, Roseville, CA                                                                    </td>
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                                                                                                                                                                                                                                                  <td height="30" align="left" style="padding:0;margin:0;border:0"><a style="font-family:Arial; font-size:9pt;color: white;border-top: 0px solid #636D76;border-bottom: 0px solid #636D76;border-right: 0px solid #E1D9C3;border-left: 0px solid #E1D9C3;padding: 6px 5px 7px 5px;text-decoration: none;" href="http://www.searchallproperties.com/listings/1075361/1600-Red-Squirrel-Roseville-CA/photos"><strong>Photos</strong></a></td>
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                                                                        <p>Over 44K in upgrades! Sophisticated upscale home. Turn key home features open floorplan with vaulted ceilings. Upgrades include: Knotty Alder Mocha Cabinets, Cherry Stained Stair Rails.Granite Slab on Kitchen island and counters. 18" tile flooring in kitchen, entry and dining room. Stainless steel sink in kitchen. Crown molding in MasterBedroom. 2 Tone Paint throughout. Prewired for surround sound and central vac. Backyard is low maintenance. Bonus room used as media room. Only single story home backs up to backyard. Large bonus room upstairs plus a bonus room off master.</p>                                                                    </td>
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1600 Red Squirrel Street Roseville Ca 95747-TURN KEY

Wed, 09 May 2012 07:24:52 -0700

Open House:

May 12, Saturday 11:00 AM - 2:00 PM

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Kathy Dyer

Keller Williams Realty

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License #:
01723710

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1600 Red Squirrel

Roseville, CA

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JUST LISTED

Over 44K in upgrades!

$ Click for current price

4 BEDROOMS

3 BATHROOMS (3 full)

2667 Square Feet

L2L Property Websites AR

DRE License Kathy Dyer #01723710 Christine Sturgis #01232805

Licensed In California

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9220 Cramer Road Auburn Ca 95602

Mon, 23 Apr 2012 10:54:11 -0700

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Auburn Properties over 1 Acre

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01723710

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9220 Cramer Road

Auburn, CA

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JUST LISTED

Spectacular Country Home with 10 Acres BARN POOL

$ Click for current price

3 BEDROOMS

2 BATHROOMS (2 full)

2470 Square Feet

Come home to paradise! Beautiful, custom home nestled against over 160 acres of dedicated horse trails! This property has it all & has been meticulously maintained. Enclosed sun room & great room have panoramic views of the valley below. Spacious barn has finished bonus room upstairs. Master bd rm opens to a slate stone patio and endless views. Make this end of the road home your own private retreat. All of this minutes from down town Auburn

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DRE License Kathy Dyer #01723710 Christine Sturgis #01232805

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New Hope for Loan Mods HAMP PROGRAM

Wed, 14 Mar 2012 14:25:40 -0700

For upside down property owners there is still hope for doing a loan mod with the new HARP2 program.

Here are some basics on HARP2 PROGRAM:

1. Loan MUST be owned by fannie mae or Freddie mac AND originated prior to March 2009 to be eligible. Both companies have a form on their website to determine if they own the loan. It is NOT who currently collects the payments (that is the servicer)

2. Must have 640+ credit score AND no late payments in last 12 months on subject property.

3. There is NO loan to value requirements for a primary home. Some will have an appraisal waiver and some will need an appraisal but the value is not considered.

4. Investment homes are limited to 105% (for now)

5. Subordinate financing cannot be rolled into the new loan, but it is OK to have (HELOC or 2^nd mortgage)

6. Rates & fees will not be out until around April 1

7. Applications can be taken now and automated approval can be run after Saturday 3/17/12

8. Only 30 & 20 year rates are available at this point (15 yr fixed coming in June)

For more information on this program or short sale info, call Kathy Dyer Forward this article to people you know who may be helped with this info!

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HAFA short sale program- no need to be late on mortgage any more!

Wed, 14 Mar 2012 12:29:22 -0700

MAJOR NEWS FOR HOMEOWNERS LOOKING TO SHORT SELL!

This program will not require that you are delinquent on your mortgage payment- you can still be current on your mortgage and short sale your home, less impact on your credit- read below.

March 9, the Obama Administration announced updates to the Home Affordable Foreclosure Alternative (HAFA) program. This program was created in 2009 as a government-sponsored initiative assisting all Home Affordable Modification Program (HAMP) eligible homeowners in avoiding foreclosure through short sales and died-in-lieus.

The new HAFA rules will allow more distressed homeowners to seek assistance. The deadline for submitting for HAFA eligibility has been extended a full year, from December 31, 2012, to December 31, 2013.

The following are other major changes to the HAFA program include:

§Previously, HAFA required homeowners to have lived in the property within the last 12 months, now the occupancy requirements have been removed.

§$3,000 relocation incentives: now limited to properties occupied by an owner or tenant at the time of the short sale.

§Mortgage payments may now be allowed to exceed 31% of the homeowner’s gross monthly income. This update will allow a homeowner to stay current on her mortgage and still qualify, minimizing the overall impact to her credit.

§Secondary lienholders may now receive up to a maximum of $8,500, up from $6,000 previously.

§And one of the most dramatic changes: The Credit Bureau Reporting will now be Account Status Code 13 (paid or closed account/zero balance) or 65 (account paid in full/a foreclosure was started), as applicable.

A homeowner that qualifies for HAFA can be current on their mortgage, continue to make their payments, and execute a short sale with minimum impact on their credit!

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Antelope Home For Sale, pool, travertine, granite plus more

Thu, 16 Feb 2012 18:33:28 -0800

Travertine floors and Granite!!!

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Beautiful turnkey home. Travertine floors and granite counters accent this 4 bedroom home. Exquisitely landscaped backyard with pool & waterfall feature. Covered patio and Portable Gazebo will give you lots of shade on warm summer days. Downstairs bedroom original with builder used as office. Optional 5th bedroom used as sitting room off master bedroom. HVAC is 3 years old. Newer water heater. Wood blinds throughout with sunscreens on east and south sides. Recently painted exterior.

4829 Porto Pino Way,
Antelope, CA 95843
4 Bedrooms
Bathrooms: 2 full, 1 half
List Price : Get Current Price
Living Area Approx : 1926

I want to see this property.

Courtesy :
Kathy Dyer
kathy@hometeamgirls.com
916-759-2147

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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Antelope Open House 2-19-2012 1-4 PM Travertine and Granite!! Must See

Thu, 16 Feb 2012 18:29:48 -0800

Open House

February 19, Sunday 1:00 PM - 4:00 PM

Address

4829 Porto Pino Way, Antelope, CA

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Price

Click For Current Price

4 beds
3 BATHROOMS (2 full, 1 half)
1926 Square Feet

View Property Website for more information,
pictures, current price, maps, schools and more!

Description

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3204 Halverson Way Roseville Ca 95661 Open House 5-14/ 11am-2pm

Thu, 12 May 2011 19:12:46 -0700

Open House 5-14 11-2PM

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Remodeled Contemporary Designer Home. Open floor plan gives you a loft feel. Built in Stainless Steel Appliances -Bullham Eureopean Design Kitchen. Wine refrigerator, freezers drawers, and lots of counter and pantry space. Windows encase entire back wall with views of falgstone decking, lap pool and gas fire pit. Ironwood fencing and bamboo plants showcase this backyard that backs up to greenbelt. What else can you ask for. A perfect one of a kind home for buyers who want high style, easy to care for, yet a very functional home to relax in. This will go FAST. Open house set for May 14th 11 AM to 2 PM Call for more details.

3204 Halverson Way,
Roseville, CA 95661
3 Bedrooms
Bathrooms : 2 Full
List Price : Get Current Price
Living Area Approx : 1921

I want to see this property.

Courtesy :
Kathy Dyer
kathy@hometeamgirls.com
916-759-2147

DRE LicenseKathy Dyer #01723710 Christine Sturgis #01232805

Licensed In California

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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Chase Bank is Giving Delinquent Home Owners 30,000 to Short Sale their Home!

Wed, 11 May 2011 20:26:50 -0700

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.

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177 Big Valley Road Folsom Ca 95630

Tue, 10 May 2011 19:08:19 -0700

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kathy@hometeamgirls.com

Information valid for the date of this posting only. Please contact us for the most current information and status of this property.

177 Big Valley Road

Folsom, CA

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Like Better Homes & Gardens!

$ Click for current price

3 BEDROOMS

2 BATHROOMS (2 full)

1868 Square Feet

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.

L2L

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11 Gingerhill Court Roseville Ca 95678

Sat, 30 Apr 2011 19:59:41 -0700

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Keller Williams Realty

916-759-2147

kathy@hometeamgirls.com

Information valid for the date of this posting only. Please contact us for the most current information and status of this property.

11 Gingerhill Court

Roseville, CA

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This home is located in wonderful

$ Click for current price | 3 BEDROOMS | 2 BATHROOMS (2 full) | 2509 Square Feet

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.

L2L

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1305 Carnation Court Roseville Ca 95661

Sat, 30 Apr 2011 01:30:11 -0700

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1305 Carnation Court

Roseville, CA

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Stop the car! Beaver Cleaver lives

$ Click for current price | 3 BEDROOMS | 2 BATHROOMS (2 full) | 1724 Square Feet

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. --------------------------------------------------------------------------------

L2L

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Investment Property For Sale- 3841 Ivy Street Sacramento Ca 95843

Fri, 29 Apr 2011 23:44:02 -0700

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916-759-2147

kathy@hometeamgirls.com

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3841 Ivy Street

Sacramento, CA

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Good investment property.Cute Bungalow in great

$ Click for current price | 2 BEDROOMS | 1 BATHROOMS (1 full) | 851 Square Feet

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 --------------------------------------------------------------------------------

L2L

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www.UpsideDownHomeCures.com

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Phone: 916-759-2147

Email Kathy@HomeTeamGirls.com

Who are the Voiceless Casualties of the Housing Crisis?

Tue, 26 Apr 2011 12:53:56 -0700

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 many 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.

Visit our websites at:

www.UpsideDownHomeCures.com

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Phone: 916-759-2147

Email Kathy@HomeTeamGirls.com

ROSEVILLE SHORT SALE REALTOR CLOSES ANOTHER SUCCESSFUL WELLS FARGO SHORT SALE

Sun, 20 Mar 2011 21:19:25 -0700

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.

Visit our websites at:

www.UpsideDownHomeCures.com

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Phone: 916-759-2147

Email Kathy@HomeTeamGirls.com

FIRST TIME HOME BUYER TRAPS TO AVOID FOR ROSEVILLE BUYERS

Sun, 20 Mar 2011 15:37:08 -0700

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.

Visit our websites at:

www.UpsideDownHomeCures.com

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Phone: 916-759-2147

Email Kathy@HomeTeamGirls.com

Wells Fargo has no plans to freeze foreclosures

Fri, 22 Oct 2010 12:27:05 -0700

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.

Visit our websites at:

www.UpsideDownHomeCures.com

Search Sacramento Real Esate

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Phone: 916-759-2147

Email Kathy@HomeTeamGirls.com

Roseville Short Sale Specialist-Who Owns My Mortgage?

Fri, 15 Oct 2010 20:06:45 -0700

Roseville Short Sale Specialist- Who owns my mortgage?

Did you know your bank may not really own your loan or have a right to foreclose on your mortgage? Read below about information on how to find out who owns my mortgage.

This problem started a long time ago, when Wall Street banks grouped large numbers of loans together, sliced and diced them, and resold them. They created an impossible situation to figure out who really owns the mortgage notes; therefore the banks do not have the authority to foreclose on properties they do not own. The big banks are being exposed after having thrown people out of their homes even though the bank did not have the mortgage note that proved they owned the loan. This situation has been taken to the courts for a solution. In some states, banks still have that right. It is still good to know who owns you note as it does help in the migagation when doing a short sale or a loan mod.

Whether you are facing foreclosure, can't make your next payment, are upside down on your property, need to do a short sale, or are just a concerned homeowner, it's important that you contact your bank and demand to see the original note on your mortgage. Click here for the whole story and free online tool on this who owns my mortgage website. www.WheresTheNote.com

Visit our websites at:

www.UpsideDownHomeCures.com

Search Sacramento Real Esate

Read My Blog

Phone: 916-759-2147

Email Kathy@HomeTeamGirls.com