Down Payment Assistance Programs Need Your Help! ACT NOW!

HART Down Payment Assistance ProgramsBuyers in Hemet and the surrounding areas breathed a sigh of relief in March when courts rejected HUD's challenge to the legality of community down payment assistance programs like HART or Nehemiah.

Now it looks like we've got to hold our breath again!

Having failed in the courts, Congress is working to eliminate the programs via legislation. They've attached a provision in the FHA reform bill that eliminates these crucial programs...and it looks like President Bush, who had threatened a veto, is now going to sign the bill (which is currently in the House).

Hemet, San Jacinto, Riverside County and the entire Inland Empire have been hit hard by the economy, in particular the rise in foreclosures, drop in home equity and stricter mortgage guidelines.

The silver lining has been that housing has become affordable for blue-collar and working-class people.

Eliminating HART and Nehemiah will mean that buyers without large amounts of savings won't be able to become homeowners...and less home buyers means a longer turn-around in the real estate market and the economy in general.

Nehemiah Down Payment Assistance ProgramsAct NOW to contact the President, California Senators Boxer and Feinstein, and Representative Mary Bono to let them know you oppose the bill.

Click HERE to do your part!

I sent them all letters and it took only 10 minutes. Take 10 minutes to let your voice be heard.

Here is the letter that I sent:

Dear Mr. President,

I am a mortgage loan originator and I'm concerned about the bill regarding FHA financing, in particular not allowing community down payment assistance programs.

Here in the Hemet and San Jacinto Valley many blue collar and working-class people are finally able to afford homes. Not allowing programs like HART and Nehemiah would be devastating to them and to our community.

Even when they do have the money for a 3% down payment, I still use those programs in order to make sure they have a safety net of financial reserves. It's an opportunity for me to assist them with wise financial planning.

This bill will also reduce the amount of buyers on the market. By HUD's estimate, 40% of the FHA loans are done with these programs. The last thing our declining real estate market needs is a dearth of qualified buyers. That would mean a longer recovery of home prices and more economic depression.

Please veto this bill, or do what you can to amend it before it reaches your desk. Our community needs your help. Thanks!

Sincerely,

Joey Aszterbaum
The Hemet Home Loan Guy

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Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. To buy or refinance your home in Hemet, Riverside County, or California visit www.HemetHomeLoans.com or call 951.571.5751

 

Huge Beautiful Hemet Home at Great Low Price $179,900





43584 Amazon
Hemet, CA 92544
BIG AND BEAUTIFUL!

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  • Loni Vogler


    Mobile:(951) 323-0633
    Office:(951) 492-4637
    Website:Visit Website


    Price : $179,900
    Bedrooms : 5
    Bathrooms : 3
    Square Foot : 2,762
    Lot Size : 7,840
    County : Riverside
    Property Type : Detached
    Year Built : 2002



    click for more pictures

    Property Description
    Wow! Now this is a terrific home that your clients will love! The entry is warm and inviting; with custom paint, wood flooring and attractive lighting and custom window coverings. The 5th bedroom is located off the living room and lends itself well to being a home office, but does have a closet. There is an additional bedroom downstairs located near the downstairs bath to make visiting convenient for your guests. The open ktchen/family room area is expansive, with plenty of room for entertaining and informal dining. Upstairs the loft is the focal point, with the remaining bedrooms being nicely spaced, the master bedroom not too close, nor too far from the remaining rooms. The laundry room is upstairs. In addition to having two closets, and some custom features, the master bedroom is very spacious! Crown moulding thruout most of the house, and attractively painted, and lots of appealing features such as: walkin pantry, 1500 sq ft deck, side patio, and fully landscaped.
    Equal Housing Opportunity.
    RE/Max Experience : 1565 W Florida Ave - Hemet CA 92545 : (951) 323-0633


    Want to see more properties?

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    Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. To buy or refinance your home in Hemet, Riverside County, or California visit www.HemetHomeLoans.com or call 951.571.5751

     

    Perfect Starter House, Perfect Price! $89,900





    1165 S Santa Fe
    Hemet, CA 92543
    A House You Want To Hug!

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  • Loni Vogler


    Mobile:(951) 323-0633
    Office:(951) 492-4637
    Website:Visit Website


    Price : $89,900
    Bedrooms : 2
    Bathrooms : 1
    Square Foot : 792
    Lot Size : 6,098
    County : Riverside
    Property Type : Detached
    Year Built : 1965



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    Property Description
    Oh what a cutie! This is the perfect starter house. Spacious living room with hardwood floors, and picture windows. Wainscoting and a ceiling fan in the dining area, and plenty of other nice touches throughout! Bedrooms are nice sized and the backyard is expansive, with a covered patio - let's barbeque! Property is fully fenced, so relaxing on the front lawn under the large shade trees with the baby (or the dog) is no problem! You really must see this one!
    Equal Housing Opportunity.
    RE/Max Experience : 1565 W Florida Ave - Hemet CA 92545 : (951) 323-0633


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    Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. To buy or refinance your home in Hemet, Riverside County, or California visit www.HemetHomeLoans.com or call 951.571.5751

     

    Beautiful Floor Plan in Whispering Palms, Gated Community for Seniors - $209,900





    1439 Trinidad St
    Hemet, CA 92543
    Beautiful Floor Plan!

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  • Loni Vogler


    Mobile:(951) 323-0633
    Office:(951) 492-4637
    Website:Visit Website


    Price : $209,900
    Bedrooms : 2
    Bathrooms : 2
    Square Foot : 1,806
    County : Riverside
    Property Type : Detached



    click for more pictures

    Property Description
    Whispering Palms, a lovely 55+ gated community with beautiful amenities. The master bedroom has a huge walk in closet, separate tub and shower stall, and double sinks. There is a formal living room right across from the formal dining room. There is an inside laundry room with a sink and cabinets. The kitchen has a center island and an open bar to the family room, a breakfast room, pantry and 18" tile flooring. Family room is spacious enough to be comfortable, and still cozy with a lovely tile fireplace. A secluded, covered patio awaits you off the breakfast nook and also off the master bedroom. Right across from the clubhouse and pool!
    Equal Housing Opportunity.
    RE/Max Experience : 1565 W Florida Ave - Hemet CA 92545 : (951) 323-0633


    Want to see more properties?

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    Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. To buy or refinance your home in Hemet, Riverside County, or California visit www.HemetHomeLoans.com or call 951.571.5751

     

    Credit Repair for Challenged Buyers - Real Agent Help Breakfast

    real estate networking breakfastReal Agent Help Monthly Breakfast - Credit Repair for Challenged Buyers

    The Real Agent Help Monthly Breakfast is the premier real estate networking event in the Hemet region in Riverside County, California.  Join us for a quality breakfast, an opportunity to share a need or a listing you have, great educational content and tools to grow your real estate business.

    • Thursday, July 10 from 8:30-10:30am
    • Mimi's Cafe in Hemet
    • Judee Edgerton, American Home Shield home warrantySeating is limited, cost $10 (donation goes to local charity) 
    • RSVP at Real Agent Help.com 

    This months' generous sponsor is Patrion Mortgage.

    Credit Repair for Challenged Buyers

    Loan guidelines have tightened, and that means that it pays to have good credit.

    But what about your clients with credit problems?

    Special guest Melissa Maldonado will join us and share about a great new credit repair program. On average, this program removes 70% of negative credit in a 3-month period.

    That means...MORE QUALIFIED BUYERS!

     You're not going to want to miss this important and timely information!

    ...................................Seating is limited. To register now, click HERE....................................

    What is Real Agent Help?

    The Real Agent Help program is designed to help you reach the next level in your real estate business through quality sales training, networking events, and one-on-one consulting.  To learn more, click HERE.

    ................................................................................................................

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    Joey Aszterbaum is the Hemet Home Loan Guy and the loan officer that helps Realtors grow their business.

     

    RV Parking and More - Triplewide Manufactured Home in Hemet $235,000





    43336 Olive Ave.
    Hemet, CA 92544
    Well kept triple wide in family area.

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  • Scott Goennier


    Mobile:(951) 252-7154
    Office:(951) 445-4200


    Price : $235,000
    Bedrooms : 4
    Bathrooms : 2
    Square Foot : 2,080
    County : Riverside
    Property Type : Detached
    Year Built : 1979



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    Property Description
    You will love this Lovely well taken care of triple wide on corner lot with two gated driveways. Features skylights, Ceiling fans, Window blinds, Walk in closet, RV parking 50+ft. Full hookups,Newer roof, Indor laundry with gas and electric connections, Two car finished garage, 8X10 Tuff shed for extra storage, Sprinkler system, Low maintenance yard, Fruit trees, Garden area, Whole house water softener with reverse osmosis in kitchen, Mister system on patio to keep cool in the summer. Plus more. Financing avaliable.
    Directions Ramona Exwy. East on Cedar Ave. South on Howard. Left on Olive. Home is on Northeast corner of Howard and Olive Ave.
    Equal Housing Opportunity.
    Exit Twin Advantage Realty : 39755 Murrieta Hot Springs Rd, G-100 - Murrieta CA 92563 : (951) 252-7154


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    Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. To buy or refinance your home in Hemet, Riverside County, or California visit www.HemetHomeLoans.com or call 951.571.5751

     

    Cute Little Bank Owned Home in Hemet Cul-de-Sac $121,900





    951 Dahlia Ct
    Hemet, CA 92545
    Cute Little Bank Owned

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  • Graham Holmes


    Celll:951.634.4118
    Office:888.640.2346 xt 101
    Website:Visit Website


    Price : $121,900
    Bedrooms : 2
    Bathrooms : 1
    Square Foot : 894
    Lot Size : 3,920
    County : Riverside
    Property Type : Detached
    Year Built : 1986



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    Property Description
    This cute 2 bedroom BANK OWNED home is priced to sell. Situated in a quite cul-de-sac in a popular neighborhood this home should not be missed. A large covered patio is ideal for sitting under during the warm summer evenings. Don't delay see this one today.
    Equal Housing Opportunity.
    REviron Realty : 1119 S State St - Hemet CA 92543 : 951.634.4118


    Want to see more properties?

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    Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. To buy or refinance your home in Hemet, Riverside County, or California visit www.HemetHomeLoans.com or call 951.571.5751

     

    Bank Owned Home, Move-In Ready, Low Price/Sq ft $159,900





    41675 Whittier Ave
    Hemet, CA 92544
    Bank Owned

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  • Graham Holmes


    Celll:951.634.4118
    Office:888.640.2346 xt 101
    Website:Visit Website


    Price : $159,900
    Bedrooms : 3
    Bathrooms : 2
    Square Foot : 1,920
    Lot Size : 8,712
    County : Riverside
    Property Type : Detached
    Year Built : 1978



    click for more pictures

    Property Description
    This Bank Owned home is move in ready. Great flooplan. The open plan family kitchen is a delight as is the dual sided fireplace serving the family and living rooms. Good sized yard and sought after location. Don't wait to see this one, make an appointment today
    Equal Housing Opportunity.
    REviron Realty : 1119 S State St - Hemet CA 92543 : 951.634.4118


    Want to see more properties?

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    Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. To buy or refinance your home in Hemet, Riverside County, or California visit www.HemetHomeLoans.com or call 951.571.5751

     

    Mortgage Pro Week in Review -- 06/09/08 through 06/15/08

    I was honored when Jeff Belonger asked the Hemet Home Loan Guy to write this week's Mortgage Pro Week in Review. I had no idea how much I would learn by doing it! Jeff gave me the instructions (with special help from Mike Mueller) on how to cruise the week's mortgage posts and excavate some gems.

    Here are the highlights...

    * Just about every other post was about rates going up, but NOBODY can say "America's mortgage rates are behaving exactly as I expected they would" with quite the same swagger as Brian Brady. To emphasize that message three days later, in case we missed it, he urged buyers to lock and get everything in on time.

    * Robert Rauf says that 2008 is the year to buy a Home, and after he breaks it down for buyers, you may find it hard to disagree. Then he shared how real estate agents can Keep Your Deals Alive by working closely with a real mortgage pro.

    * Melissa Breeland also pondered Strategic Partnerships between real estate agents and the mortgage consultants.

    * Karen Cooper walked us down Memory Lane to the corner of Finance Avenue and Gender Street in Metamorphosis With An Ever Changing Housing Market.

    * Randy Prothero posed a question to his fellow REALTORS that is every bit as important to loan originators: Are You Cutting Back or Increasing Your Service? 

    * Janet Guilbault gave us some good advice...and gave herself a new nickname: The Fish Whisperer

    * Ed Nailor called us on the carpet in his post, You call THAT a Referral? He also took aim at Zillow and the Joke that it Is!

    * Not to be outdone, Mike Mueller gave us the #1 Reason I'll QUIT Zillow Mortgage.

              There were a number of great posts for consumers this week...

    * Jeff Belonger told everyone not to believe the hype about Mortgage Accelerator programs. He also stressed the importance of getting a Good Faith Estimate.

     * Thinking about selling your car or jacuzzi for down payment money? Better read what Melissa Cochran has to say about Sale of Personal Property first.

    * Teri Ellis shined her light on Buying and Bailing, a popular new way to commit mortgage fraud.

           And finally...

    *Active Rain Renaissance man Jason Sardi is all business when it's time to explain the in-and-outs of Rehab Loans...but he's not afraid to get personal for a Fathers Day tribute.

      Great Job, Mortgage Pros!

      ..................................................................................................................................

    The next 2 members for the Mortgage Pro Week in Review

    1.      Alan 'AJ' Nisen        06/16/2008    through    06/22/2008
    2.      Jennifer Bukaty       06/23/2008    through    06/29/2008

    Mortgage blogs by loan officers   Here is a list of Loan Officers.  If you are not listed, please email Jeff Belonger to be added. This way the person doing the Mortgage Pro week in review can try and find most mortgage related posts in one section. ActiveRain is growing rapidly and it is difficult to keep up.... If you think you have been ignored, you have not. This is open to all!!!

    All About Mortgages/Mortgage Networking   Here is a group that many loan officers post their mortgage related blogs in.  A good place to learn more about the type of programs, new industry news, and sometimes some inside tips. Don't hesitate to join.

    We really could use some new volunteers for the Mortgage Pro Week in Review. Even if you are a realtor, a title person, or someone else that is related to the mortgage/real estate industry..... please read below.

    MORTGAGE PRO Week in Review    A repository for the Mortgage Week in Review.  Please don't hesitate in joining this group. And any volunteers for the mortgage week in review, please e-mail Jeff Belonger at   jbelonger@ihmci.com

    There will be no recreations of any type regarding the titles or content of this group or Review without the permission and expressed written consent of the Group's founder

    Mortgage Pro Week In Review - Copyright 2008©

    ...............................................................................................

    Top Hemet Real Estate Articles:

    Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. To buy or refinance your home in Hemet, Riverside County, or California visit www.HemetHomeLoans.com or call 951.571.5751

     

    Wonderful Senior Home in Hemet, Del Sol 55+ Community $139,900





    2859 Fruitvale
    Hemet, CA 92545
    DEL SOL DELIGHT!

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  • Loni Vogler


    Mobile:(951) 323-0633
    Office:(951) 492-4637
    Website:Visit Website


    Price : $139,900
    Bedrooms : 2
    Bathrooms : 2
    Square Foot : 1,089
    Lot Size : 3,920
    County : Riverside
    Property Type : Detached
    Year Built : 1989
    MLS Number : H737498



    click for more pictures

    Property Description
    Beautiful Hemet Del Sol, a charming 55+ community. Well kept home with an open, cheery feel. Easy to clean with a central vacuuming system. There is also an intercom/music system to welcome your guests, and fill your home with the soothing sounds of music! The kitchen has ceramic tiled floors and countertopsand ceramic tile in the bathrooms too! Living room has tiled fireplace, ceiling fan and direct access to covered patio and back yard. Beautifully landscaped! HOA dues are $42 per year.
    Equal Housing Opportunity.
    RE/Max Experience : 1565 W Florida Ave - Hemet CA 92545 : (951) 323-0633


    Want to see more properties?

    Related Articles:

    Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. To buy or refinance your home in Hemet, Riverside County, or California visit www.HemetHomeLoans.com or call 951.571.5751

     
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    Loan Officer: Hemet Home Loan Guy, Joey Aszterbaum (Patrion Mortgage)
    Hemet Home Loan Guy, Joey Aszterbaum
    Hemet, CA
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    Hemet Mortgage and Real Estate Blog: buy or refinance, credit, things to do in Hemet, Realtor sales training and misc stuff from the Hemet Home Loan Guy a member of the Active Rain social network since 11/06.

    BEWARE OF BLOG: Joey Aszterbaum disclaims liability for any damages or losses, direct or indirect that may result from use of or reliance on, information contained in the blog or for accuracy of comments or opinions of visitors to my blogs. Warm wash with like colors. Do not iron. If rash occurs, discontinue use.


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