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First Time Homebuyer’s Program – City of Escondido - 01/30/12 11:38 AM
Did you know that the City of Escondido has a first time homebuyer’s program where eligible homebuyers can get up to $25,000 towards the purchase of a home? Wow! That’s really great, right? Just today, we received an email in our office where a local Escondido resident asked the following question: “How can I go about getting qualified for the Escondido first time homebuyer’s program?” Well, this gentleman already knows the answer to the question, but I am going to share it with you here. In order to get qualified for the Escondido first time homebuyer’s program, you need to sit (1 comments)
Equator Changes Back Up Offer Policy - B of A - 01/29/12 05:39 PM
First off, I guess everything really depends upon your definition of a backup offer. After reading the guidelines, I’d surmise that Equator and the average agent probably have a very different definition of the term backup offer. For me, a backup offer is any offer that I receive and ‘hold’ after I have a fully accepted and executed contract—just in case the buyer on that fully executed and accepted contract cancels the deal. For Equator and Bank of America, backup offers refer to offers submitted when the first offer is declined or when you need to substitute a buyer. Just a (4 comments)
Hot News this Week in the World of Short Sales - 01/28/12 05:33 PM
It’s always our goal to help you stay ahead of the game. Hey… you already are ahead of the game—brave enough to stare short sales in the face and take short sale listings. Here’s a recap of some of the interesting stuff that went on this past week in the distressed property arena: Fannie Mae Extends Mortgage Relief to the Unemployed Fannie Mae is offering additional forbearance to the unemployed; this might not be a good thing. How will slowing down the foreclosure process help us to get out of this recession? It might just be the same as pulling off (6 comments)
Explore North San Diego County - 01/27/12 09:23 AM
Southern California, San Diego, and North San Diego County are just about the most lovely places to visit and hang your hat. In fact, did you know that San Diego has the famous tagline, “America’s Finest City”? San Diego and San Diego County are perhaps best know for the World Famous San Diego Zoo, Balboa Park, Sea World, and the world class Hotel del Coronado. But, there are so many other wonderful places to visit and things to do in San Diego County. In the beachfront community of Encinitas in North San Diego County, there is a famous surf spot that (1 comments)
What Brad Pitt Can Teach Us About Real Estate - 01/26/12 09:41 AM
Sounds fishy, right? While surely Brad Pitt has purchased and sold a number of homes, it is Brad Pitt’s portrayal of Billy Beane in the movie Moneyball that can really teach us a lot about the way we think about real estate. Don’t worry. If you have not seen the movie yet, we won’t be spoilers. For those that are unfamiliar with the storyline, Brad Pitt plays Billy Beane, a former professional baseball player, current General Manager and minority owner of the Oakland A’s. The movie depicts the real life challenges faced by this team when competing in a field (pun (17 comments)
Three Hot Tips for Escondido Home Sellers - 01/24/12 11:04 AM
Putting your Escondido home up for sale can be stressful. When you sell your home (especially if it is your primary residence), this means that you have to pack and have a plan for your future move. Here are three hot tips for Escondido home sellers: Start packing before you put your home on the market. Believe it or not, you probably have many items in your home that you have not touched for over a year. Your wedding dress, Grandma’s silver cutlery, your junior high school yearbooks. Why not pack and store as many boxes of those items that you (3 comments)
Tempers Flare as the Market Gets More Challenging - 01/23/12 07:33 PM
It’s the beginning of a new year, and many agents have made New Year’s Resolutions: take more listings, do more open houses, send out more direct mail, etc. Generally, it’s a time of year when business people are extremely motivated; it’s an opportunity for a new beginning. However, there also seems to be an unfortunate trend, and that trend is anger. Over the past few weeks, I’ve seen more than one escrow officer lose her cool because the bank wasn’t approving the final HUD-1 and couldn’t make sense of the financial breakdown. I’ve also seen buyer’s agents argue with listing agents (5 comments)
What a Few Minor Tweaks Can Do for Your Real Estate Biz - 01/22/12 02:11 PM
I cannot remember the exact figure, but some Sandicor (MLS) mucky muck told me the average age of the San Diego Realtor® was somewhere between 55 and 65 years old. If that’s the case, then the average agent is probably addressing marketing and prospecting using many traditional methods such as direct mail. Direct mail is a great form of advertising, but as the population grows and changes, the Internet and other forms of advertising should definitely be added to the mix. Here are two trends common to Generation Y (aka echo boomers): Generation Y Doesn’t Leave (or Listen to) Voice Mail (42 comments)
Short Sales in the News - 01/21/12 03:20 PM
It’s always my goal to help you stay ahead of the game. Hey… you already are ahead of the game—brave enough to stare short sales in the face and take short sale listings. Here’s a recap of some of the interesting stuff that went on this past week in the distressed property arena: How to Curb Short Sale Mistakes This article reviews the ways in which a little due diligence up front can help to assure that the short sale transaction actually arrives at the closing table. HAMP Loan Modifications Pass 900,000 The Treasury said that the HAMP program actually would (5 comments)
Explore Rancho Verde Estates, Escondido - 01/19/12 09:06 PM
Rancho Verde Estates in Southwest Escondido located west of the 15 freeway near scenic Lake Hodges, Felicita Park and the Westfield North County Fair. Located in the 92029 ZIP code, the setting of Rancho Verde Estates in Escondido is extremely picturesque—with scenic views and gorgeous westerly sunsets. Homes in Rancho Verde Estates in Escondido are in the Escondido School District and children in this area currently attend the award-winning Bernardo Elementary School. Homes in Rancho Verde Estates are quite large—many with spectacular upgrades and well-appointed installations. These homes may include granite counters, custom cabinetry, and one-of-a-kind swimming pools. Check out the (3 comments)
Top Three Escondido Home Buying Tips - 01/17/12 11:10 AM
Unless you are living in a cave, you probably have already heard that interest rates are still at an all-time low. Believe it of not, if you purchase a home now, your mortgage payment might actually be lower than your rent. That being said, here are three tips that can help you if you are considering buying an Escondido home for sale: Hire a Qualified Realtor® In this unique and challenging real estate market, it is important to have a knowledgeable and experienced team on your side—people who are successful in today’s market and know the new challenges that this market (2 comments)
Biggest Short Sale Error Ever - 01/16/12 10:30 AM
Do you remember high school math? If you are like me, high school math was something you’d like to forget. I hated when those tests would come back and I would get answers wrong because of really careless mistakes. Perhaps I had written ‘4’ instead of ‘7’. Or perhaps I had done some incorrect simple addition in the midst of a complicated algebraic equation. Well, the biggest short sale error ever, and one that I have actually stopped a few agents from making on multiple occasions is actually just a careless error—just like those from high school math. It involves thinking (10 comments)
This Week in the Distressed Property World - 01/14/12 04:10 PM
It’s always my goal to help you stay ahead of the game. Hey… you already are ahead of the game—brave enough to stare short sales in the face and take short sale listings. Here’s a recap of some of the interesting stuff currently going on in the distressed property arena: Taxes and Short Sales This Sun Sentinel article says what I have been saying for the last few weeks: 2012 needs to be the year of the short sale. Short sale sellers need to speak with their accountants and learn more about the Mortgage Forgiveness Debt Relief Act of 2007. Distressed (2 comments)
Selling Real Estate or Pineapples, Follow Reagan's Advice - 01/13/12 06:32 PM
When I was a teenager, one of President Ronald Reagan’s daughters lived right down the street. Like most teenagers, I didn’t pay much attention to politics back then. But, it seems that maybe I should have paid more attention. You see, I just learned that Ronald Reagan was known for the following sage wisdom, “Trust, but verify.” Boy, if I would’ve actually had (and listened to) that advice, I might not have been challenged so much in business. I myself am a trustworthy person. If people ask me to do something, they know I am going to do it. In fact, (9 comments)
Explore Sonata, Escondido - 01/13/12 02:06 PM
The community of Sonata in Escondido is one of the many lovely communities located in South Escondido. Sonata is conveniently located near the Vineyard Golf Course, Kit Carson Park, and the Westfield North County Fair. Because of the topography, many of the homes in this community have views of the mountains or of scenic Lake Hodges. Comprised of 149 single-family homes, Sonata has over 12 acres of commons areas—making it a great place to swim or to enjoy the great outdoors. Built in the 1980s, the community of Sonata Escondido is comprised of Sonata Patio I and Sonata Patio II. These homes provide thoughtful and (3 comments)
Does the Word 'Binding' Still Exist? - 01/12/12 09:18 PM
Do you remember when you got your first checking account? Maybe you were eighteen and you were told that when you sign a check, you are signing a binding contract. Same goes for the real estate purchase contract. It’s binding. Not sure what has happened over the last several years, but in the state of California, it appears as if many people are not taking the real estate purchase contract seriously. For example, a buyer offers to purchase a property and close the transaction within 45 days of acceptance of the offer by the seller. Seller accepts, and 30 days into (57 comments)
Can a Deed-in-Lieu Ruin Your Short Sale Transaction? - 01/10/12 08:38 PM
One of my favorite clients and a very prolific short sale agent contacted me because she has a bone to pick with our mutual friend, Fannie Mae. You see, this agent has taken a short sale listing. We have a buyer. The short sale package has been submitted to the bank and we have already received a short sale counter offer from the seller’s lien holder. Then, all of a sudden, the short sale seller states that he may not want to participate in a short sale. You see, he received a sweet little letter from his lien holder offering up (8 comments)
Pre-Approved Short Sales and Pipe Dreams - 01/08/12 02:15 PM
Rumors, just like viruses, spread like wildfire. And, of course, since I reside in San Diego County, I have my own experiences with wildfire. Like wildfire, there were waves of rumors spread throughout 2011 about the pre-approved short sale. Here’s are some James Joyce-style musings on pre-approved short sales: Often times, pre-approved means that the bank now rules the roost. The bank can dictate terms (including commission), and can also request that the terms and conditions for marketing the property (including the number of open houses required). Another challenge of the pre-approved short sale is that the bank(s) may not approve (12 comments)
Latest Info in the Short Sale Arena - 01/07/12 09:38 AM
It’s always my goal to help you stay ahead of the game. Hey… you already are ahead of the game—brave enough to stare short sales in the face and take short sale listings. Here’s the skinny on some of the interesting stuff currently going on in the distressed property arena: Top Short Sale Articles for the New Year Do you feel that you can absolutely never get enough of short sales? Do you love talking about them and reading about them? Here’s a comprehensive list of some ‘must read’ articles. 2012 Is the Year Yes, 2012 will be the year of (8 comments)
Explore Rancho San Pasqual, Escondido - 01/05/12 11:03 PM
The gorgeous community of Rancho San Pasqual is located in Escondido, sandwiched between the Eagle Peak Golf Course and Dixon Lake. Ranch San Pasqual is conveniently located just minutes from shopping, wineries, Kit Carson Park, and the world famous San Diego Zoo Safari. Homes in Rancho San Pasqual range from single family dwellings to larger two story homes on sprawling grounds that may include swimming pools, built-in barbecues, custom landscaping—and even a fire pit or putting green. Homes in Rancho San Pasqual can contain Tuscan, Mediterranean, or Californian architecture. With so many unique features, there is something for everyone in Rancho (3 comments)
Second Lien Holders Are Happy Campers? I Think Not! - 01/04/12 10:39 PM
We are going to close a deal today—a short sale with three lien holders. This was like juggling three balls with really greasy hands. When you had your grip on two, the third would fall on the floor. Sometimes we had the first and second in agreement, then the third would hold out for more money. Then, we had the approvals from the first and the third, and we lost the buyer. When we got a new buyer, the second now wanted more money. This was a tricky deal and I am sure that everyone will be pleased to see it (9 comments)
Escondido Home Sellers Getting Out from Underwater – New Year’s Resolution - 01/03/12 08:36 PM
Escondido Short Sale Sellers - Get Out from Underwater Everyone makes New Year’s Resolutions—lose 5 pounds, go to the gym three times a week, work harder, spend more time with family, etc. This year, it seems that many homeowners may want to add another New Year’s Resolution to the list: getting out of my underwater property. (That is, homeowners who owe more on their mortgages than their properties are worth may want to sell their homes in a short sale in 2012). You see, at the end of 2012 of the Mortgage Forgiveness Debt Relief Act of 2007 will expire. This (6 comments)
2012 Is the Year of the Short Sale - 01/02/12 01:13 PM
We are just two days into 2012, and I’m thinkin’ that it is gonna be the best year ever. I know that it is definitely going to be an awesome year for short sale listing agents (just as long as they get to work fast). Here’s why: As it stands right now, the Mortgage Forgiveness Debt Relief Act of 2007 applies to debt forgiven in calendar years 2007 through 2012. So, what that means is that any person participating in a short sale and whose property qualifies under the Mortgage Forgiveness Debt Relief Act of 2007 will want to get that (12 comments)
What Seller Costs Are Involved in a Short Sale? - 01/01/12 03:36 PM
Here’s a question that people are always curious about: How much does it cost to do a short sale? Well, the answer is two-fold. If you are wondering how much commission you will be required to pay in a short sale transaction, the answer is ‘zero.’ Here’s why: In a short sale transaction, the seller is netting no proceeds from the sale. That is, the seller owes more on his/her home than the property is worth and the mortgage lender(s) have agreed to accept less than the full payoff. The mortgage lender also agrees to allow some of their proceeds to (4 comments)
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.