Vacaville real estate today

Countrywide/Bank of America Approvals- Deficiency Threat Sends Shock Waves

Barbara Adams (Kappel and Kappel) — Tue, 26 May 2009 03:17:00 -0500

Worth a read....

Via Wendy Rulnick "Its Wendy!" Destin Real Estate -Florida (Rulnick Realty, Inc.):

Have you seen the new Bank of America/Countrywide short sale approval letter? It is sending shockwaves to unsuspecting short sale sellers. Here is a portion of the new approval letter:

The key statement of concern is Bank of America "may pursue a deficiency judgment for the difference in the payment received and the total balance due..."  There are two contradictory elements in the demand letter:

1. The letter states that Bank of America has "agreed to accept a short payoff". Now, how can they "accept" a short payoff, then state they "might" collect the rest?  They either are or are not.

2.  It states "there may be tax consequences for entering into a short sale". Again, the statement concedes it is a "short sale", and alludes to the 1099-C, where cancelled debt is reported to the IRS. Either the debt is cancelled or it is not. Why would Bank of America reference short sale tax consequences if they were, in fact, collecting all the debt?

Neither contradiction supports their reference to collect the deficiency in the future.  Since I have had several concerned sellers who have received this approval letter, I emailed a Bank of America escalation negotiator to get their explanation. Here is what they said:

Countrywide/Bank of America cannot remove the deficiency verbiage from the approval letter. We must reserve the right to collect the unpaid balance of the loan for the benefit of our investors and mortgage insurance companies that insures payment on the loan. The purpose of the short sale letter is to properly disclose this to the borrower so they may consider all of their options with respect to their mortgage loan.

In my experience with short sales, I have never know anyone to pursue the deficiency once the short sale has closed.

So, how can you alleviate concerns when receiving this letter? Of course, talk to your attorney if you do not feel comfortable, but consider the alternatives if you do not accept the short sale. Deed-in-lieu of foreclosure, which will produce the same deficiency, and be worse on future borrowing ability? Or foreclosure, with severe future borrowing constraints, liabilities and consequences? None of the choices are that palatable, but short sale is still clearly your best option.

It's Wendy!

Wendy Rulnick, Broker, CRP, CRS, GRI, ABR     Rulnick Realty, Inc.

Destin FL Real Estate

Destin Short Sales & Pre Foreclosure Help.

Read Destin Real Estate Blog

Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204

Email Wendy to sell your home or buy a home: itswendy@rulnickrealty.com

This site, Wendy Rulnick or Rulnick Realty, Inc. 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.

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Short sale with dignity

Barbara Adams (Kappel and Kappel) — Fri, 13 Mar 2009 23:00:00 -0500

You may have requested a loan modification and been told by your bank that it has recomended that you qualify for a short sale, just give me a call. You deserve dignity and care in the handling of your listing. No embarrassing sign will be installed in your yard, discretion and utmost concern for your privacy is ensured.

The process is lengthy and should be discussed at length. Call me today for a confidential meeting to discuss the process. Homes are selling and short sales can succeed, they do not need to be stressful. Your situation is unique.

Short sale simply means I market your home, find a buyer who is willing to pay current market value for your home, we present the buyer's offer to your mortgage holder and request that they accept that offer as payment for your current loan, they pay the costs of sale and your life can move on.

Foreclosure is the result of waiting far into the process, your home can still go onto the market as a short sale to prevent a foreclosure from your credit record.

Banks are more willing to agree to this sort of settlement due to government assistance with this process.

Call me for a consultation today!

Solano County Horse Ranch OPEN HOUSE this Sunday March 15 2009

Barbara Adams (Kappel and Kappel) — Fri, 13 Mar 2009 22:50:20 -0500

OPEN SUNDAY March 15th 2009

7650 Olivas Lane Vacaville, Ca 95688

Online tour: www.7650Olivas.com

9.29 acre parcel (can be split!)

Corner lot on paved country roads

Complete horse set-up:

Full-sized outdoor arena with sprinkling system for dust-free training

Newer MD center-aisle barn with 5 extra-large sized stalls, feed storage room, deluxe tack room and large covered porch.

Additional shedrow barn (rent out to boarders!)

Room for olive grove

5 large paddocks 4 board pvc fencing

Stunning mediterranean style 5 bedroom home

Large balcony overlooks stunning mountain sunsets

Updated "green" kitchen with solid surface counters

Separate 4 car garage for all your other outdoor "toys"

Beautiful flower and vegetable fruit tree gardens

Two sources of water, domestic well and public water supply

Large flagstone patio with water feature for entertaining

Zoo grade air-conditioned aviary

Where have all the homes gone?

Barbara Adams (Kappel and Kappel) — Tue, 03 Feb 2009 02:37:00 -0600

It is becoming increasingly difficult to find active listings that match the needs of my buyer clients in the Vacaville single family home market. This shows a local housing recovery and a healthy increase in the number of homes sold. December 2008 more than double the number of homes sold in Vacaville than the year before in December.

Foreclosure actions have been on hold for a few weeks and banks are supposed to be working with homeowners in distress situations but expect more NODs soon. Banks have been actively working with short sale offers and REO bank owned homes have been going into escrow with multiple offers.

Currently there are 296 single family homes (@ $177/sf average list price) on the market in Vacaville today Feb 3, 2009. (Prices range from $79,000 up to $1,375,000 with the average 1911sf home priced at $350,719).

FHA minimum down payments were increased to 3.5% on Jan 1st, 2009, the max limits for these loans was capped out at $400,200 after almost 9 months of being at $417,000 in Solano county.

Energy efficient mortgages and more agreeable REO banks have put the bank owned homes into better condition for today's buyers.

Don't forget to procure a one year home warranty on these homes since they are buying properties with few disclosures on them by the banks' own admission, they are not the occupants, banks don't know the condition of the homes.

Write to your congressman/woman and let them know that it would surely be a good thing that if at some time the current family living in that home could be given the same offer/opportunity as the buyers are offered in a short sale or REO purchase, many people have time and many times much money invested in that home and are just as likely deserving of consideration. Keeping the homeowner in their home is not a bad thing.

Solar power, green companies, electric cars in Vacaville

Barbara Adams (Kappel and Kappel) — Sun, 14 Dec 2008 03:12:02 -0600

Kaiser hospital has built a green building in North Vacaville, they have nearly finished it, and yet again this year they have delayed the opening until next year. Bad economy is not helping it, but we still like seeing our new hospital because we know they must someday open it, because there it is.

Last month, November 2008, they did open up some of the medical specialty offices in the new hospital. This place is built green and it is green. SCIF, State Compensation Insurance just opened up a new, large office complex of buildings, put the solar panels up over the parking lot, shading the employees' cars, this will serve as a nice surprise in the summer when the employees get into their cars after working all day and the car is not so hot in the summer sun.

Located in Vacaville California, one of the greenest spots in America in the right winter months, the beautiful hills that surround Vacaville are gently rolling green hills, the rest of the year they are the golden hills.

Vacaville is fast becoming the green and solar capital of the United States as it boasts many solar power stations installed at several local companies most recently including Mariani Fruit which is one of the original Vacaville mainstays in the days when Vacaville first became a settlement for the modern inhabitants of the 1800s when Juan Vaca and Juan Pena first brought their families here to live, relocating from New Mexico, they found the beauty and soil to be perfect for growing fruit and planted their families and their orchards here.

The city of Winters maintains a perfect balance of soil, weather and farmers who support and grow the finest walnuts in the world, Mariani Fruit handles the bulk of the walnut harvest and processing with a facility in Winters to be near the growers and their main packaging and transportation center in Vacaville where they just energized their new solar plant on site.

Also, Alza Corp or as they are now known as Johnson and Co, also operate their own solar array in Vacaville, not more than a mile from Mariani Fruit.

P G & E sub-station in Vacaville also offers natural gas pumps for those cars that use that fuel, and other electric car charging stations are conveniently located all over the bay area as well. Vacaville, Dixon, Davis and West Sacramento fully support the alternate fuels of the cars being developed in our backyards at the West Sacramento Fuel Cell Conglomerate building.

Experimentation of alternate ways to power vehicles will put California in front.

Solar power is such an interesting way to harvest electrical energy from the sun. It consists of a plate that is chemically layered with certain types of minerals and chemicals, they interact by differing from each other, and when exposed to the sun, they displace this difference and send it thru the wiring that is attached to the plates, if not used immediately by the load of a building or vehicle, this energy is instantly lost, so it must either be sent back to the electric grid if not used, or stored in batteries, since the power created is dc power, converters are used to change the power into AC current. If the power is sent to the grid, the power company is allowed to buy it directly from you, however interesting is that this will fast become another issue in the future as the power companies are already not willing to pay us the same amount of money per kilowatt hour as they charge us to get it. Legislation will have to address the issue. I believe the power companies are arguing that it costs money to take in power when their business is to sell power, not to buy it in small quantities from the general public.

Lastly, Vacaville is becoming the center of northern California for the number of solar homes they are building and have built in recent years. Most of these builders are installing a special roof tile that has the solar layers built right into them. Not all the roof tiles have the solar panels in them, and the power generated does not usually send the power back to the power company, but it sure helps with the bill! They call this spinning the meter backwards, and if you ever want to find out something interesting, try going out to your meter someday, have someone in the house turn lights and appliances on and off while the other person watches the meter spin. You will notice that the speed at which that wheel spins is in direct relation to how many things are on in your home, and they are not all equally as powerful at spinning the meter, your energy sucking appliances or the hanging light fixture with 9- 100 Watt bulbs may impress you when you watch it spin your meter! Power consumption is costly, with a little experimentation perhaps you can reduce your energy costs at home!

The bank is motivated.

Barbara Adams (Kappel and Kappel) — Thu, 02 Oct 2008 16:19:23 -0500

And this, my friend is the reason why you shouldn't make frivolous offers to the banks...they know the comps, their bottom line is time and price, time to close, price and no conditions, requests or contingencies.........KISS: Keep it simple stupid!

Via Matt Kofsky:

I was doing a brokers price opinion on a property today. I was reading the comments on a comp to help compare the comp to the subject property. The comp was bank owned. At the bottom mixed in with the boilerplate REO remarks was the following: "The bank is motivated but not stupid".

Vacaville horse property for sale- 7650 Olivas Lane Vacaville

Barbara Adams (Kappel and Kappel) — Sun, 17 Aug 2008 02:22:01 -0500

Awesome horse property includes brand new MD barn with 5 extra large paddocks and air conditioned wood panelled tack room, large porch and hay storage too, new 4 rail vinyl fencing. Second barn paddocks turn out to adjacent to fenced arena with sanded footing. Several pastures, seasonal creek, plenty of water domestic well, 3000 gal holding tank plus North Vacaville rural residential water connection too. Large 4 or 5 bedroom Spanish style 5 bedroom 3000sf+ residence features open floor plan, most ground floor rooms open to outdoors, tile and wood flooring, laundry room, updated kitchen, large living space, awesome upstairs master suite with spa-like bath area and sweeping territorial views of the beautiful English hills and trees, pastures. Stately courtyard has water feature and is large enough for large outdoor parties. Flower and fruit tree garden. Separate 4 car garage, large zoo-grade aviary with air conditioning. New 4 rail vinyul fencing and locked gate for privacy. Property currently being used for large animal ultrasound clinic, would be great for training facility, near trails and open space. Visit online tour at 7650Olivas.com or at VacaHomes.com -Realtor Barbara Adams with Kappel and Kappel Inc. 707-673-7500 Broker open tour this Tuesday Aug 19 from 9 am to 12 noon, brunch will be served.

Open house yesterday Sunday April 13, 2008

Barbara Adams (Kappel and Kappel) — Tue, 15 Apr 2008 01:59:04 -0500

I advertised and held an open house at 548 Feather River Way in Vacaville yesterday, I have 2 listings on this block, people looking at this open house also asked to see the other home for sale on the same street. I was happy to comply and went from one house to the other for 3 hours, bringing the groups of people back and forth and finding groups of people waiting at the front door of the other home.

This is a healthy sign of buyers being out and about, looking at homes again. Both of these homes are absolutely gorgeous homes in a fabulous location near Genentech and Alza in Vacaville in the Vacaville school district and are worth the attention they are getting.

The sun was shining, the birds were singing. These homes qualify for the FHA, VA or Cal Vet loan.

Located in Laurelwood at Browns Valley in Vacaville, and built in 2003 548 Feather River Way features a downstairs bedroom and full bath, large island kitchen, separate 3rd car garage/workshop/workout room. Fenced backyard, front courtyard with stamped concrete walkway nearly all the way around,stainless steel appliances, brand new granite counters, cherry cabinetry and the fabulous location close to Alza, Genentech, Mariani, State Compensation Insurance, new Kaiser hospital, Nut Tree Village, Millenium Sports club and so much more! Pet free home! 1943sf of living space, four bedrooms, three full baths on a large lot! Currently priced at $460,000 2003 built 1943sf Browns Valley home in Laurelwood on a larg corner lot AT THIS PRICE! WOW!

548 Feather River Way, take Vaca Valley Parkway to Shelter Cove, left on Feather River Way! See you there!

Barbara Adams, REALTOR 707-6-73-7500 Kappel and Kappel Inc VacaHomes.com

Bareis mls market statistics update Feb 29, 2008

Barbara Adams (Kappel and Kappel) — Fri, 29 Feb 2008 10:02:41 -0600

Today Feb 29,2008 Vacaville residential mls data were as follows:

452 Vacaville ACTIVE Single Family residential listings
99 Days on market average
$438,382 Average List Price
$238/sf average asking price on current active market
1856sf average size of the average home on the market

Dec 10, 2007 Market Stats Vacaville Active Listings 9:53 PM

Stats - Averages- Bareis MLS DEC 10, 2007 9:46PM

	Listing $	SqFt	Listing Pr/SqFt	DOM
Residential (457)	$481,621	1876	$258	107

These stats are AVERAGE statistics for single family homes in Vacaville, Ca 12/10/2007 Active LISTINGS ONLY

The same criteria for August 27, 2006:
572 Vacaville ACTIVE SFR listings
72 Days on market average
$526,782 Average list price
$297/sf average asking price
1812sf Average size

Dixon approves recycling bins

Barbara Adams (Kappel and Kappel) — Wed, 13 Feb 2008 21:55:43 -0600

Starting March 28, 2008 citizens of Dixon will be using new blue toter bins when dumping their trash each week. They will also have to learn a new way to park their toters, sideways, so they can dump the things into the trucks. Soon the new toter will be delivered to your home.

Dixon stops trains

Barbara Adams (Kappel and Kappel) — Wed, 13 Feb 2008 21:53:28 -0600

City of Dixon unanimously approved a breath of life for downtown businesses and the city in general by accepting a grant to install the needed platform to bring in Amtrak station as a commuter train stop downtown Dixon, this will generate traffic and business to the downtown Dixon area and improve the home values in the area as commuters from the bay area can consider this city when shopping for a home.

906 Monticello Court New Listing at North Village Vacaville Ca

Barbara Adams (Kappel and Kappel) — Sat, 09 Feb 2008 04:08:13 -0600

Seeno homes is no longer building the Willow floor plan...you can get it here......

2708sf 4 bedrooms, 2 1/2 baths, this one has the optional extra large upstairs bonus room (this one comes with a pool table and there is LOTS more room for furniture and entertainment equipment too), downstairs master suite, cozy family room off the kitchen, wrought iron staircase, pantry, island kitchen, balcony with fan, gas fireplace. Three car finished garage, upgraded appliance package includes GE Profile appliances. Gas fireplace has switch on switch off instant ambiance, stone mantle. Ceiling fans and 2 inch wood blinds throughout. Call me to see this home anytime.... 707-673-7500 Barbara Adams, REALTOR Kappel and Kappel 906Monticello.com

906 Monticello Court Vacaville California

Barbara Adams (Kappel and Kappel) — Wed, 06 Feb 2008 02:06:55 -0600

NEW LISTING! No Mello Roos! Seeno built stunning newer 2 story home with Willow floor plan (Willow no longer being built by builder) large yard features 4 bedrooms, a downstairs master suite with bay window, separate tub and shower, cozy family room with gorgeous gas fireplace, island kitchen with GE Profile appliances, pantry, convection oven, upstairs extra large bonus room, an area large enough to play pool on a regulation sized table, (THIS HOME COMES WITH THE POOL TABLE!) elbow room and the rest of the bonus room is still large enough for a big screen and furniture...fourth bedroom has lovely balcony with fan. Dimmer switches throughout, wrought iron staircase, 3 car garage features beige epoxy painted flooring too. Located on a court, dual zoned thermostats, close to new Kaiser hospital and Genentech, this home is truly stunning. Don't forget, no Mello Roos! Visit online tour at 906 Monticello Court in Vacaville. 906Monticello.com

Barbara Adams, REALTOR Call me today to see this lovely home. 707-673-7500

REO -v- NOD Solano County

Barbara Adams (Kappel and Kappel) — Wed, 06 Feb 2008 01:52:52 -0600

Date- Feb 5, 2008-

It appears as if the current number of REO listings vs NOD/Foreclosure listings has now tipped toward a higher number of bank owned homes than NOD homes on today's active market, that, combined with the historically low interest rates and the popularity of Solano county as a centrally located, even climate, clean, friendly people, relatively low crime rates, beautiful area with a good steady source of local jobs and commute proximity to even higher paying bay area jobs without the high density living associated with the bay area makes Solano county real estate market's outlook look possibly a little rosier today than it did in say, September of 2007.

The banks are now dealing with offers coming in on short sale homes, instead of collecting the offers and letting them lay around gathering dust for months on someone's desk, the banks are carefully considering the offers of the buyers and making concessions such as offering money for SOME closing costs up front, but still generally selling as-is whereas. Sometimes, offers were sitting there for weeks or even months in the fall, whereas now they are turning some around in 24 hours!

The layer of buyers that were coming in to see lenders with their pockets empty, asking sellers to pay all of their closing costs, getting 100% loans that had low rates for the first years, getting qualified for loans that they could not repay, having credit scores that drooped below 600 in some cases, those buyers are no longer able to come in and buy the starter homes on the market. They are best advised to stay where they are at, save their money, pay off their credit debt and try again in the near future. FNMAE and HUD are working on ways to offer more loans to more people in a more secure manner that has fewer ways to fail. They are considering down payment programs for these buyers. They are slowly being replaced right now with foreign investors and buyers who have very good credit, or cash, ones who have been waiting to buy until it was a buyer's market, saving their money for a down payment, getting more choices such as homes with pools and location, location, location. These new buyers are getting lower interest rates on conventional 30 year loans with payments that are amortized and are equally spaced over 30 years. They are also enjoying a window in time that is precious and nobody knows how long they will enjoy their time to enjoy the marketplace and browse and consider, study and ponder their choices.

Yes, Virginia, it IS a BUYER'S market. Generally speaking, they don't usually last. The reason is the law of supply and demand. If there is a good supply of good homes in good condition in good locations with good amenities, buyers will eventually buy them and then there will be fewer choice homes. Once the bulk of these desirable homes are gone, then the law of supply and demand sets in and it is replaced with the fact that the supply dwindled and the choicest homes that are left will again receive the most attention, supply goes down, demand goes up, buyer's market moves into the direction of a mixed market. Unless a natural disaster, industry slow down, political unrest or calamity causes a particular region to become depressed and multitudes of jobs are lost at once, the oversupply of homes on the market will not remain constant. Solano county continues to grow jobs, and not just minimum wage jobs, but higher paying jobs for trained and educated workers, this attracts people to the area, combined with the large community of people who work at Travis Air Force base, not only military but the large civilian force out there, Solano county is the second largest employer in Solano county, many large corporations have plants here or are home-based here, and more groups are planning to move here such as State Compensation Insurance with 750+ employees expected to relocate here in the next 2 years. Solano county is most likely to continue to grow in the coming years.

Currently there are some really lovely homes on the market. They are not the homes that you see going into escrow right now. There are some homes in really sad shape on the market right now. Buyers are looking for a real bargain, they want the largest house they can buy for the least amount of money, condition is not so important to them right now...price is the most important factor right now, size second, location is third, condition is 4th. I urge anyone buying a home in ANY market to get ALL home inspections they feel would give them the best idea of the condition of that home, regardless of the price, some "issues" are just not worth the cost to fix them. With interest rates so low, buyers buying the lowest priced homes and getting the super low rates are pulling in some fantastic deals as long as they are being made aware of the condition of that home and their costs to repair them.

Call me or email me today to receive a weekly updated list of REO NOD and NOS homes in Solano county.

Barbara Adams, REALTOR Kappel and Kappel Inc 707-673-7500 BarbAdamsRealtor AT Yahoo.com

Vacaville and Solano county MLS market update December 2007

Barbara Adams (Kappel and Kappel) — Sun, 16 Dec 2007 15:26:58 -0600

Dec 10, 2007 Market Stats Vacaville Active Listings December 10th, 2007 9:53 PM

Quick Stats - Averages- Bareis MLS DEC 10, 2007 9:46PM

	Listing $	SqFt	Listing Pr/SqFt	DOM
Residential (457)	$481,621	1876	$258	107

These stats are AVERAGE statistics for single family homes in Vacaville, Ca 12/10/2007 Active LISTINGS ONLY

The same criteria for August 27, 2006:
572 Vacaville ACTIVE SFR listings
72 Days on market average
$526,782 Average list price
$297/sf average asking price
1812sf Average size

MY LISTING at 367 Oak Valley Drive is listed at $220/sf!!!! Call today to see it! MY LISTING at 4337 The Masters Drive ON THE GOLF COURSE @ Paradise Valley is priced at only $227/sf!!!! -Barbara Adams, Realtor with Kappel and Kappel Inc. 707-673-7500 VacaHomes.com or NapaSolanoHomes.com For your growing Solano family, Barbara Adams cares!!!!

Horse property new 5 bedroom home single story Wilton California

Barbara Adams (Kappel and Kappel) — Sun, 16 Dec 2007 03:05:27 -0600

2900sf 5 bedrooms Never lived in home. Fully landscaped front and rear yards, 3.26 acres in upscale equestrian community in Sacramento county. This home has it all! great room concept, formal dining room, cozy breakfast area, 3 car garage, whole house central vacuum system, spectacular territorial views. Call Barbara Adams today at 07-673-7500 or visit online tour at 12760Rimfire.com today 12760 Rimfire Drive Wilton Ca at the Ranch at Clay Station

Green Life- =

Barbara Adams (Kappel and Kappel) — Wed, 31 Oct 2007 11:08:44 -0500

I had written a comprehensive article on green living and got nothing but a pile of negative comments on it so I have deleted it. Truth of the matter is most Americans enjoy wasting energy and they are not about to think about saving it in the least if these comments are any indication. Gas appliances are not only easier to use, they are more economical but not readily available in all parts of the country. Propane is a by-product of the production of gasoline we burn in our cars. If you burn gasoline, then you will appreciate how much propane we probably have.

Daylight savings time

Barbara Adams (Kappel and Kappel) — Wed, 31 Oct 2007 10:45:52 -0500

It is Pacific Daylight Time here in California today, but this Saturday night you should turn BACK your clock when you go to sleep if you live in the USA, not including Arizona. If it is 10 PM, turn the clock to 9 PM and get an extra hours' sleep! OR, you can stay awake until 2AM and change all your clocks back to 1 AM, it's up to you!

Arizona does not turn their clocks back or forward, so now they will be one hour different than California, in summer, they have the same hours as Pacific Time. They chose long ago not to participate in this practice.

Brazil is considering a 30 minute time change so their school children can walk to school in daylight hours, it is not being accepted very well there, so they are giving the public time to think about this type of a time change.

If you forget to change your clocks, you will find yourself one hour EARLY for church or any appointments on Sunday and if you are really out of touch you will be one hour early to work on Monday morning! This will likely mean you will be put to work doing things such as turning on lights or making coffee with the other early risers! It's up to you!

Daylight savings time is a good concept and thank goodness for digital clocks and computers, as almost all of your electronics will automatically reset as will your cell phone and TV, VCR, DVR etc...even some of your cars will know what time it is.

Last spring, we went to daylight savings time early, this really messed up even the electronics! THEY did not predict that happening! I downloaded software to tell my cell phone to change the time 2 weeks early and it wiped out every single APPOINTMENT I had listed in my cell phone! THIS was a disaster for me! I have fully recovered from it and now have backups to backups of everything.

AKC Dog show today Dixon California

Barbara Adams (Kappel and Kappel) — Sun, 28 Oct 2007 14:06:04 -0500

Come on down to the Sacramento Valley Dixon Mayfair fairgrounds 655 S. First St in Dixon for a very fine Northern California herding dog show. 2007 AKC show, Saturday and Sunday. http://www.dogworld.com/

27-28 Dixon, CA (*): Sacramento Valley DFA Inc. Dixon

May Fairgrounds, 655 S. 1st St. MB-F Inc.

367 Oak Valley Dr Vacaville, Ca Large 4 bedroom, no rear neighbors! 3 car garage near Callison school!

Barbara Adams (Kappel and Kappel) — Sun, 28 Oct 2007 13:57:36 -0500

VacaHomes.com This sparkling home features family room open to large kitchen, beautiful wide plank easy-care laminate flooring, bay windows in living room, beautiful entry door, new carpets, flooring and upgraded lighting throughout! Nice covered patio with fan on southeast side of home. 367OakValley.com Want a mature neighborhood? No rear neighbors, park and walking biking trails behind this home, walk to elementary school, middle school shopping too! Hospital nearby.

367 Oak Valley Drive Vacaville California home for sale

Barbara Adams (Kappel and Kappel) — Wed, 10 Oct 2007 02:33:31 -0500

Look no more! Beautiful Meadowlands 4 bedroom 2.5 bath home in Vacaville shows pride of ownership throughout. Open floor plan offers recently upgraded wideplank laminate flooring, new carpet and lighting throughout. Family room features a raised hearth brick fireplace and built in shelving, wood blinds throughout. Master bedroom offers lovely fireplace and lots of closet space. Relax on the covered patio and enjoy the beautiful private backyard which backs to serene open space wooded area. All you have to do is Move Right In! Come by and see for yourself! Kitchen looks out into family room with fireplace. You truly need to see this wonderful home & imagine your life in it. Visit online tour at 367 Oak Valley Drive Listed by Kappel and Kappel Barbara Adams, REALTOR Cell 707-673-7500 401D Davis Street Vacaville, Ca 95688 Fax 707-471-4068

Lake Berryessa News

Barbara Adams (Kappel and Kappel) — Tue, 09 Oct 2007 12:44:44 -0500

The Bureau of Reclamation is considering four different plans for recreational use of Lake Berryessa. At issue is that the current facilities have been enjoying a 50 year land lease which is expiring in 2008. I would try to explain what is happening and what is proposed, but I would run out of room trying to outline all the ramifications, so I will link to this UC Davis Cal Aggie article that has it condensed and explained.

Currently there is a lawsuit or two or three pending in various federal courts regarding the people who live in the area and enjoy a right to peaceful enjoyment of property they or their families have used or owned or grew up knowing since they were children.

If you'd like to see what it's like at the Lake, here is a webcam link from Monticello Resort Cafe.

Travis School District Sales

Barbara Adams (Kappel and Kappel) — Thu, 27 Sep 2007 00:02:32 -0500

Primarily a buyer's agent, Barbara Adams, REALTOR sold 6 homes in the Travis School District THIS YEAR! That is a phenomonal amount of homes in ONE AREA of one city in 2007! I represented 5 buyers and one seller in the Travis School district in WESTGATE and FOXBORO areas. I know this area, if you want someone to represent you in this ever-changing market, call me today so we can get started! I know the comparables, I know the homes on the market, I know what it takes to get your home SOLD in today's market! I KNOW what the buyer's are looking for, I know what they object to. I know what the seller expects, I know where the bargains are! If you are shopping for a home in this area, do not hesitate to contact me for more information on homes SOLD in this area and on the active market! -Barbara

For Sale 4337 The Masters Dr Fairfield, Ca @ Paradise Valley golf course

Barbara Adams (Kappel and Kappel) — Wed, 26 Sep 2007 23:38:34 -0500

4337 The Masters Dr Fairfield, Ca 94533

Open House 4/4 3467sf 2004 built ON THE GOLF COURSE at Paradise Valley Golf Course Call Listing agent for more details 707-673-7500 Barbara Adams, REALTOR kappel and kappel realtors inc.

Why call your (about to be) ex-husband's divorce lawyer?

Barbara Adams (Kappel and Kappel) — Wed, 26 Sep 2007 23:24:15 -0500

So, you're a Realtor, and here are your customer buyers. You've been working together for a few weeks now and you pretty much know just what they are looking for, you've shown them every matching listing that's out there on the active market and you are scanning every possible lead to find the "one". Another agent in your office announced at the company meeting that she's going to have a new listing next week that perfectly matches your buyer's wish list.

So, you can't wait to call and tell them your good news when you return from the weekly caravan tour with your company. The tour takes quite a while as there are now more new listings than there are houses being sold. Finally, you grab a bite to eat for lunch and over to the office to call your clients....only they don't answer the phone, you leave a cheery message to call you right back as soon as they get your message.

By the end of the day, you have researched everything about this house and know it's just the one they were describing. You have checked the zoning, taxes, how many steps up to the front door, every aspect they wanted to know about their future home. And you wait, you don't hear from them.

The next morning, you are at your office and you still have no messages from your customers. You decide to give them another quick jingle. Nothing, no answer. Not a word, no message for you. They ALWAYS answered their phone before!

Ultimately, weeks later you find out they had called the number on a sign for a house that didn't even remotely match the description they gave you, although it looked exactly like a home they would love to live in, it wasn't anything like they had described because it is often hard to describe what you would like and not know that is what you wanted until you see it one day, driving along the same street you go down every day and this one particular day, there is a FOR SALE sign on that house....

So they called the phone number on the sign!!!! And this seems so perfectly natural for a person to do this, call that number on that sign to see how much they want for it, and when you could go see it. Innocently enough you can even figure you are "helping" your Realtor out by doing this. You are finding this home on your own, you are excited and you figure once you see the house, you can call your agent and let them know you found the house! OR Alternately, you can figure, gee I found the house myself, why should I call that Realtor at THIS Stage of the game?

Here is the issue, there are 2 of them. One is that called 'procuring cause' and the other is called buyer representation. By not calling your agent, you are deleting them from the picture altogether legally the Agent who first shows the property to you is the "procuring cause" and the agent who writes the offer is NOT the procuring cause unless they introduced you to the property and showed it to you.

So your second problem is buyer representation, you have literally none. The agent you called is the seller's agent, you are calling him and he has a written agreement with the seller that says he will get the most money for his property as he can. Once you enter the picture unrepresented, you may choose to hire that agent as your own just by calling him and having him show you the property, so now you have someone else's agent working for you..... And you cannot call your agent to represent you and the reason you need this is for many reasons. You will need unbiased property specific comparables upon which to base your offer price. You will need someone looking out after your own interests such as the best day for you to close escrow and not lose out on lease money, interest or pay too much for the house based upon the actual comparable recent sales. Inspections. Every buyer should get any and all inspections they deem necessary to satisfy themselves as to the condition of the property. Do you suppose the seller's agent really WANTS you to get any and ALL inspections on the property their seller is selling to you? Appraisal. Seller's agent duty is to provide for reference only the comparables they have on the property to support the seller's asking price, is that in the buyer's best interest? If he doesn't do that, then is THAT in the seller's best interest?

Repairs, is he going to be unbiased when reviewing an inspection report that is recomending costly repairs to a home that he has a written contract with the seller to sell for the most money possible? You need someone to counsel you on the wisest way to figure out which repair request is rational and which are bound to agitate the seller and cause the seller to refuse to do ANY repairs?

You need someone on YOUR side and the only way to do that is to AVOID calling the number on the sign and call in your buyer agent or representative, especially when you are entering a model home builder's showroom for the first time. You will not have anyone on your side, they builder has the salesperson, the contractor, the lender in many cases all on HIS side, and if you enter their property for the first time without your representative, then YOU will be more likely to lose out NOT the builder. Your agent will be more than happy to take you on a tour of any new home communities that match your description and price range and neighborhood, if they are not willing or able to do this when you want to go, call just about ANY real estate office, there should ALWAYS be someone available to accompany you as YOUR representative to buy that new home or even to call that sign for you. In most cases, unless the sign designates office exclusive or something similar, ANY area agent can work as your buyer's agent on ANY listed property, even FOR SALE by OWNER properties will basically work with your agent if they are bringing in a serious qualified buyer who will close escrow on their home for sale.