It was a bittersweet Grammy's. Adele won 5 Grammy's, including album of the year, record of the year and song of the year! Her acceptance speech's were not scripted and revealed her authenticity. When she won best record it was hilarious. She said, "I'm sure a lot of you can relate. I wrote this record hurting from a rubbish relationship!" I would like to know who that person is...
After Adele won all of the Grammy's. There was a Whitney Houston tribute from Jennifer Hudson. I don't know how she pulled off the performance with out crying! I know I was just listening to her.
Let' start the week off strong with a celebration of Adele's Grammy sweep. Below is her Grammy performance, it's so good! Kristine :)
Kim And Kristine Halverson
Exclusive Representation of People & Their Properties
Prudential California Realty 3130 Wilshire Blvd Suite 100 Santa Monica, CA 90403
It's beyond sad that another talented singer has passed away. She was found in her hotel room and died of unknown causes. I hope she finally found peace. What a talented singer. I remember watching her videos on MTV. My favorite video was, "I Wanna Dance With Somebody". She had pretty curly hair, nice big smile, pink lipstick, pink dress and streamers. It was so cute and fun. I'm posting it below in memory of her full life, 8/9/63-2/11/12.
What is your favorite song?
Kim And Kristine Halverson
Exclusive Representation of People & Their Properties
Prudential California Realty 3130 Wilshire Blvd Suite 100 Santa Monica, CA 90403
Love Adele, and love this remix. Perfect for keeping up the energy, and staying cool all together. Reminds me what a cool place Los Angeles can be to live where we can meet people living their dreams.
Kim And Kristine Halverson
Exclusive Representation of People & Their Properties
Prudential California Realty 3130 Wilshire Blvd Suite 100 Santa Monica, CA 90403
If you're planning on selling your home in Santa Monica, and don't want any surprises when the buyer brings their inspector; a pre-inspection is the way to go. I'd say it saves you money, and potentially makes you money. Just as important as staging.
I know that when it is time to list your home you will have many opportunities to spend money on a property you are ready to leave behind. In fact it seems that by the time you call a real estate agent you're mentally already gone. Then why would a real estate professional add one more thing to buy, like a home inspection, to you're 'to do' list ?
Now, if you are the one in a million, disciplined, natural born handyman of a homeowner with awesome building maintenance skills you may choose not to read on. However, if you are the normal, unskilled, busy, procrastinator home owner and you haven't read (and understood) an appliance manual lately or been on a ladder, or under a house lately or ever, you may want to think about a pre-inspection of the property you are about to list for sale.
At almost every listing appointment the Seller assures me that his home is is great shape. My response is usually, "Really, how do you know your home is in great shape? Have you been on the roof in the last few weeks? Do you know what a good roof looks like? Have you been in the attic lately? Have you cleaned the gutters in the last few months? Have you replaced the furnace filters? Do you own spare furnace filters?"
I humbly submit that the fact of the matter is that in the same way that driving a car doesn't qualify me to work on one, owning a home doesn't mean that you know what kind of shape your house is really in.
I know, OUCH! The truth stings sometimes. But if your goal is to sell, you may need to let an expert (like the expert the potential buyers will hire) look your place over. Read the Inspectors report and make a pro-active repairs in a pre-emptive move that will tell potential buyers that the expert agrees, your house is in great shape...after all.
Respectfully,
Your Listing Agent
Proudly serving your real estate needs in Bentonville, Rogers and Bella Vista, AR 479-253-3796. I will provide a free market value analysis of your property. Just ask!
As an agent I can tell you that houses sell better with someone living in them. Even if it’s not an entirely clean house. It has a warmth and personal feel to it. Vacant houses tend to have a cold empty feel to it. In terms of a business decision it’s better for the lender to work with a homeowner doing a short sale. See below for more info, Series 7, from CAR legal issues on short sales.
Q 7. Why Would A Lender Agree To Accept A Short Sale?
A Lenders may have ample incentive to negotiate a short sale with a distressed borrower. For example, should the lender take back a property pursuant to a foreclosure sale, the lender would become responsible for a variety of costs, including property maintenance, utilities, HOA fees, and might risk destruction of the property by vandalism. Furthermore, lender-owned properties (REO) may take a long time to sell, in part because so many REO properties are now for sale.
A lender will typically evaluate the financial situation of the borrower as well as current market conditions to determine whether or not to agree to a short sale. It is really a business decision for the lender to determine whether it would receive more money by accepting the short sale, or completing a foreclosure, reselling the property, and pursuing personal liability (i.e., deficiency judgment against the borrower and/or claims against guarantors, for loans on which those remedies are available.)
Kim And Kristine Halverson
Exclusive Representation of People & Their Properties
Prudential California Realty 3130 Wilshire Blvd Suite 100 Santa Monica, CA 90403
It’s Monday!! I thought I would keep the party going from our open house this Sunday in Santa Monica. The weather was gorgeous. We had a steady flow of buyers and agents. Lot’s of people smiling, happy to be out and looking at homes. 90% of the people coming through were serious buyers. We had really good conversations with people and they are really movtivated by the amazingly low interest rates.
We had the pleasure of calling our Seller today about 2 offers being written from the open house! Ya! We love making those calls!! I’m dedicating this Monday and all week with this song, “Don’t Stop They Party” by the Black Eyed Peas. Let’s keep it going...
Kim And Kristine Halverson
Exclusive Representation of People & Their Properties
Prudential California Realty 3130 Wilshire Blvd Suite 100 Santa Monica, CA 90403
If you were one of the unfortunate homeowners that did a foreclosure and were financially harmed. You may have some support from the Feds. F%@##$ Finally!! I hate the way homeowners are treated!
If your home was involved in the foreclosure process during January 1, 2009 and December 31, 2010. Then the Fed's want to hear from you. I highly encourage all homeowners that believe they were or may have been financially harmed to participate in this review.
You may be out of the woods since it was 2009 and 2010. However, there are many homeowners slogging through your exact situation. Your participation will help them now and others in the future. There is no cost. See below for qualifications, then visit FED'S INDEPENDENT FORECLOSURE REVEIW.
Here is a quick guideline of who qualifies and what mortgage servicers are involved:
Eligibility for Review
Borrowers are eligible for an independent foreclosure review if
the property securing the loan was the borrower's primary residence;
the mortgage was in the foreclosure process (initiated, pending, or completed) at any time between January 1, 2009, and December 31, 2010; and
the mortgage was serviced by one of the following mortgage servicers:
America's Servicing Company
Countrywide
National City
Aurora Loan Services
EMC
PNC
Bank of America
Everbank/Everhome
Sovereign Bank
Beneficial
GMAC Mortgage
SunTrust Mortgage
Chase
HFC
U.S. Bank
Citibank
HSBC
Wachovia
CitiFinancial
IndyMac Mortgage Services
Washington Mutual
CitiMortgage
Metlife Bank
Wells Fargo
Wilshire Credit Corporation
If you previously filed a complaint with these servicers about foreclosures pending during the review period, you may still seek an independent review of your foreclosure.
There are no costs associated with being included in the review; the review is a free program. Beware of anyone who wants payment to assist you in connection with the independent foreclosure review or any other foreclosure assistance program.
Thank you! Kristine :)
Kim And Kristine Halverson
Exclusive Representation of People & Their Properties
Prudential California Realty 3130 Wilshire Blvd Suite 100 Santa Monica, CA 90403
I'm Considering A Short Sale On My Home In Santa Monica, CA. Can My Lender Sue Me? Is a question that comes up from luxury homeowners considering a short sale. Please read further for information directly from the CAR legal series on short sales.
Q 6. Can a lender avoid the "foreclosure process" and just sue the borrower on the note (i.e., treat it as an unsecured note)?
A No. In the event of a borrower's default, the lender has two options--a judicial foreclosure or a trustee's sale foreclosure (either one is referred to as the "foreclosure process"). However, a lender cannot opt to sue on a note secured by a mortgage or trust deed instead of going through the foreclosure process by treating the note as an unsecured note. This restriction is referred to under the law as the "one action rule" or "one form of action rule." (Cal. Code Civ. Proc. § 726.) A lender might prefer to sue on the note instead of foreclosing when the note is for a greater amount than the value of the property securing the note. That way, the lender can get a judgment and attach a lien against other property, personal or real, owned by the borrower. The "one form of action rule" prohibits the lender from this "third" option.
One exception to the "one form of action rule" is if the security for the loan has become "valueless" after the lender's security interest was recorded (e.g., this would be the case for a "wiped out" junior lien holder who now holds an unsecured note). In this case, the lender can sue directly on the debt (note) unless the borrower's loan falls into category (1) or (2) in Question 4.
Kim And Kristine Halverson
Exclusive Representation of People & Their Properties
Prudential California Realty 3130 Wilshire Blvd Suite 100 Santa Monica, CA 90403
So if you're considering a loan modification on your home in Santa Monica? Watch this video:
Did you watch this show? The show goes on, and Suze recommenced this woman, Dierdre, let her house go to foreclosure. Dierdre is unemployed, underwater in her home, and in a trial period for a loan modification.
You'll hear what happens to your credit when you work toward a loan modification or loan forbearance. If you're in a trial period, that does not mean you will be granted a loan modification. You could owe the difference between your lowered payments and full payments after the trial period. During that trial period, your credit will be affected since your payments are considered short.
If you are missing payments and working toward a loan modification on your home in Santa Monica; Be sure to know what your options are. We have had several homeowners in Santa Monica, North of Montana, and Los Angeles who have received a foreclosure notice in the loan modification process.
Contact Kristine at 310-737-8173 to find out if other options are right for you.
Kim And Kristine Halverson
Exclusive Representation of People & Their Properties
Prudential California Realty 3130 Wilshire Blvd Suite 100 Santa Monica, CA 90403
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
;)
;)
;)
