contra costa: Kiss Your Landlord Goodbye!!! - 07/08/08 02:45 PM
It’s like this new Fha loan burst onto the scene this year. Now it has become the sweet heart loan of the housing crisis even though the original had been around decades. The Federal Housing Administration was originated in 1934 for families that otherwise would have been … (0 comments)
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contra costa: Tuesday Tour Day - 07/02/08 05:25 AM
It's another beautiful day in real estate! Tuesdays are tour days. We spend a majority of the day out in the field looking at an assortment of available properties. All of the homes we visited today showed beautifully. There was a beautiful rancher in Clayton with lots of living space, and … (7 comments)
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contra costa: Well, It's a Done Deal. Bank of America has Purchased Countrywide! - 07/01/08 11:53 AM
July 1st is Bank of America's Legal Day One in the Purchase of Countrywide
It is a Done Deal. Bank of America has completed the purchase Countrywide. Now Bank of America will focus on merging the 2 companies. The Bank of America's mortgageheadquarters will now be located in Calabasas, California.
… (12 comments)
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contra costa: A Very Simple View of Our Sub prime Crisis. Chap 3. Wall Steet Investment Banks. - 06/28/08 02:00 PM
This is a continuation of my post on the sub prime mortgage crisis. There were several groups or industries that in their own way had a role in creating the current liquidity crisis , the downturn in both the real estate and financial markets. One key element in this crisis is … (4 comments)
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contra costa: A Very Simple View of Our Sub Prime Crisis: Chapter 2 - Banks - 06/16/08 02:05 AM
This is a continuation of my post on the sub prime mortgage crisis. There were several groups or industries that in their own way had a role in creating the current liquidity crisis , the downturn in both the real estate and financial markets. One key element in this crisis … (5 comments)
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contra costa: A Very Simple View of Our Sub Prime Crisis: Chapter 1 - Mortgage Brokers/Loan Originators - 06/16/08 02:03 AM
This is a continuation of my post on the sub prime mortgage crisis. There were several groups or industries that in their own way had a role in creating the current liquidity crisis that lead to the downturn in both the real estate and financial markets. One key element in this crisis is … (1 comments)
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contra costa: A Very Simple View of Our Sub-prime Crisis. Who is to Blame? - 06/15/08 11:54 AM
Introduction: Key Players in the Sub-Prime Crisis
The sub-prime mortgage crisis is an ongoing problem which continues to demonstrate itself with our current liquidity crisis. There were early warnings as early as 2000, during the final months of the Clinton administration, when Treasury official Gary Gensler noted that sub-prime … (109 comments)
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contra costa: Alan "AJ" Nisen's About Page - 06/14/08 02:25 AM
Who I AM
Demand continues to grow for qualified and adaptable Mortgage Loan Officers that can deliver results, stay accountable, and offer a high level of personal service. How do I know? Because I am that kind of Mortgage loan officer and demand for my expert can-do work ethic … (9 comments)
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contra costa: What Type of Loan Are You Qualifing For? Prime? Alt-A? Sub-prime? - 05/30/08 12:28 PM
The whole world knows that we are in a credit crisis mainly caused by sub-prime debacle. What is a sub-prime loan? What other types of loans categories are there besides sub-prime? In this post I am not going to tell you how we got into the sub-prime crisis, but will define the … (2 comments)
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contra costa: FBI Reports Mortgage Fraud up in 2007 - 05/21/08 07:29 PM
The Federal Bureau of Investigation's fiscal year 2007 Mortgage Fraud Report (which ended Oct. 31) found mortgage fraud investigations increased 47% over FY 2006, and continues to rise. The top 10 mortgage fraud states for 2007 were
Florida
Georgia
Michigan
California
Illinois
Ohio
Texas
New York
Colorado
Minnesota
Key findings by … (8 comments)
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contra costa: MORTGAGE FRAUD SCHEMES - 05/21/08 07:28 PM
Mortgage Fraud can occur in many ways. Here are a couple of Mortgage Fraud Schemes the FBI is watching for:
Occupancy fraud
Employment/income fraud
Failure to disclose liabilities
Property Flipping
Silent Second
Nominee Loans/Straw Buyers
Fictitious/Stolen Identity
Inflated Appraisals
Foreclosure Schemes
Equity Skimming
Air Loans
Occupancy fraud
Frequently this is … (8 comments)
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contra costa: Are you Ready to Lock? - 05/05/08 04:55 PM
I typically wake up between 6.00 and 6:30 am every morning, download rates and then analyzed who I can help today. If I see any rate improvement that may benefit any of my clients, I call them immediately. This is an important service for my clients because the window of opportunity is … (1 comments)
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contra costa: Do Banks Sell Their Own Foreclosed Properties? In California? Across the Nation? - 04/30/08 07:29 PM
Forclosuers, Another name for Bank Owned PropertiesAlmost every week I have a client or a realtor ask me about my bank's foreclosed properties. Where can I get the Bank's Foreclosure Property list? Or, how can I become one of the Banks preferred realtors to sell their Foreclosed Properties. Also clients often … (3 comments)
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contra costa: Open House Extravaganza! - 04/26/08 12:29 PM
Life is Full of Open doors, Walk Through them... Coldwell Banker's Open House Extravaganza begins Saturday, April 26th, and continues on Sunday, April 27th. Homes are open in Solano, Napa, and Contra Costa Counties. Most are open from 1:00 p.m. until 4 p.m., being hosted by our professional staff of … (2 comments)
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contra costa: Short Sale vs. Foreclosure - When to seek PROFESSIONAL HELP! - 04/24/08 03:29 PM
YOU need professional help!
. . . on the decision to foreclose or short sale that is. You must seek counsel of an experienced real estate professional, a qualified tax professional and/or an attorney before making any decisions as to whether to foreclose or attempt a short sale. Both can have … (1 comments)
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contra costa: MOST people won't owe taxes ? What ? - 04/02/08 10:27 AM
So you're an agent, you've done a few successful short sales (or worse, you've never done one)... and voila.. you're the expert. Right? Well, I want to challenge that ... There are now a plethora of new training companies out there now... pay me, I'll show you how to do a short … (9 comments)
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contra costa: For Mortgages When Purchasing Your Home, WHAT ARE SELLER CONTRIBUTIONS?" - 03/26/08 11:35 PM
In today's real estate market, buyers typically have the upper hand over sellers. In this situation buyers can ask for a number of concessions including what is called "Seller Contributions".
But, what are seller contributions? What can seller contributions are used for? What happens to any seller contributions not used?Seller ContributionsWhat … (10 comments)
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contra costa: Mortgage Dynamics: Why the 10 Yr Treasury Fails as Benchmark to Track Rates - 03/19/08 01:29 PM
The Treasury has long been the benchmark for tracking mortgage rate movement, i.e. 30 year fixed vs. 10 year Treasury. Based on the market over the last couple of months, that has not happened. The folloing graph will give you perspective on why the models are not following the traditional pattern.
30Y … (4 comments)
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contra costa: Fannie Mae's Guidelines for Jumbo-Conforming Mortgages - 03/15/08 08:06 PM
There is no guarantee that the rates on jumbo-conforming loans will be low enough to attract borrowers. Rates will be set by the market; not the government, not the banks. I believe the most likely outcome will be premium price add-on to jumbo-conforming mortgage rates so rates end up somewhere between … (0 comments)
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contra costa: Dear Mr. Borrower Applying for a Mortgage - 03/15/08 03:05 PM
Mr. Borrower, Applying for a mortgage is stressful under the best of circumstances. Even experienced borrowers feel a little twinge of anxiety at the thought of taking on hundreds of thousands of dollars worth of debt. The mortgage approval process is forgiving of many things; there are certain actions or non-actions that can … (4 comments)
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contra costa: Finding a Mortgage: Ten Tips for First Time Homebuyers - 03/14/08 11:29 PM
What You Should Know in Finding a Mortgage Before Buying a Home
Before you start looking for a home, you should get pre-qualified for a loan. Banks, credit unions and mortgage bankers make home loans. The lenders like myself will take an application, process the loan documents, and see the loan through to … (2 comments)
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contra costa: Mortgage Programs for First Time Home Buyers - 03/12/08 11:00 AM
Everyone likes a bargain. Even First-Time Home Buyers! The simple definition of a first-time home buyer is someone who has not taken a mortgage interest deduction in the last 3 years. It's not surprising that first-time home buyers are beginning to take notice of current housing prices.
Lending standards are getting stricter … (1 comments)
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contra costa: FHA Loans: The First-Time Home Buyers Loan of Choice! - 03/12/08 10:59 AM
FHA (Federal Housing Authority) Loans. Remember the New Temporary Mortgage Limits:
The number of FHA borrowers has grown substantially in the last year. FHA only requires a 3% down payment. The down payment can be a gift from friends or family or can be seller credits through several down-payment-assistance programs for first-time home buyers like the Nehemiah Down Payment Assistance Program. … (1 comments)
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contra costa: CalHFA: A California First TIME Home Buyer's Prgram With Up to 100% Financing - 03/12/08 10:59 AM
CalHFA: California Housing Finance Agency
The California Housing Finance Agency's goal is to provide affordable housing opportunities to low and moderate income first-time homebuyers. This is accomplished by offering low, fixed interest rate mortgage products, along with down payment and closing cost assistance. Combining CalHFA's programs with some of the Down Payment … (3 comments)
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contra costa: The ACORN Program - Not Just for Fisrt-Time Home Buyers - 03/12/08 10:58 AM
ACORN is a National non-profit Housing program with goals to provide free housing counseling directed toward achieving homeownership for low to moderate income homebuyers. ACORN accomplishes their goal by providing one-on-one mortgage loan counseling, first-time homebuyer classes, and works with lending partnerships to obtain affordable mortgages for their clients. The mortgages … (1 comments)
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contra costa: Wheelchair Foundation and Interanational Orphan Relief Foundation Fund Raiser: The Mayorsâ€TM Charity Ball - 03/09/08 01:53 PM
The Wheelchair Foundation and the International Orphan Relief Foundation have joined together to provide mobility and relief to the orphan children of Kenya. In partnership, we are organizing a special evening of dining, dancing and fellowship to benefit the International Orphan Relief Foundation and to raise funds to help mentor and provide mobility … (3 comments)
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contra costa: Volunteerism! The Back Bone of a Great Community. Here is an Opportunity. - 03/05/08 10:19 AM
Meaningful WorkAnna's Program, a specialized program of Hospice of the East Bay (formerly Hospice and Palliative Care of Contra Costa), is seeking dedicated, caring volunteers to provide companionship and practical support for women with recurrent breast cancer. Women served reside in Central or East Contra Costa, and all services are provided … (0 comments)
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contra costa: "Green" Is the New Fad in Housing - 03/01/08 01:53 PM
Buying greenGreen is the new "HOT" fade. Manufacturers have notice this phenomenon sweeping across America. Manufactures are now refining their home products raw materials, energy use, etc so they can label their products "Green". To make a home "Green" which includes reducing your carbon footprint, a small incremental change can have … (1 comments)
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contra costa: BANK OF AMERICA CHARITABLE FOUNDATION ANNOUNCES $250,000 IN ADDITIONAL GRANTS TO CALIFORNIA HOUSING NONPROFITS HELPING FAMILIES STAY IN HOMES - 03/01/08 12:30 PM
Aid to Nonprofits in Stockton, Sacramento, Inland Empire and Bakersfield part of $750,000 ongoing foreclosure prevention effort in California
Bank of America is doing some very important work in California, as part of our ongoing efforts to address the mortgage crisis, keep people in their homes, and help working families achieve financial … (0 comments)
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contra costa: Court Strikes Down Bond Requirement for Home Equity Sales Contract! - 02/28/08 08:41 PM
Brought to you by the California Association of REALTORS®COURT STRIKES DOWN BOND REQUIREMENT FOR HOME EQUITY SALES CONTRACTThe bond requirement for buyers' agent under the home equity sales contract law is unconstitutionally vague and unenforceable. That was the decision of a recent appellate case Schweitzer v. Westminster Investments, 2007 WL 4340853 … (0 comments)
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contra costa: Are the Feds Fueling Inflation? - 02/27/08 11:05 PM
Fed's Expansionary Policy to Fight a Recession:Federal Reserve Chairman Ben Bernanke told Congress on February 27, 2008 that the Feds remain on the course for additional interest rate cuts, thus continuing their expansionary policy to combat recession. The Feds hope to combat recession because lower interest rates will stimulate economic activity by … (1 comments)
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contra costa: Transfer Property Tax Base if You are Over 55 in California - 02/27/08 11:15 AM
Office of Assessor COUNTY of Alameda CALIFORNIA1221 Oak St., County Administration BuildingOakland, California 94612-4288R O N T H O M S E N A S S E S S O RSouth County Toll Free (800) 660-7725 www.acgov.org/assessorTRANSFER OF PROPERTY TAX BASE FOR PERSONS 55 AND OLDER OR SEVERELY AND PERMANENTLY DISABLED (Revenue … (0 comments)
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contra costa: Bank of America Supports Senator Dodd's Plan to Help Mortgage Crisis - 02/26/08 02:22 AM
Bank of America backs Senator Dodd's plan to buy up Loans at a DiscountBank of America officials have warned congress that up to $739 billion in mortgages are at risk of default in the next five years, and that the government intervention is needed. This is why Bank of America supports Senator … (3 comments)
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contra costa: Moving a Parent into your Home? A Missing Tip!!! - 02/25/08 05:19 PM
My Number One Tip to Prepare Moving a Parent into your Home!I read an article this morning that included five tips (Consumer Reports Money Advisor which I have copied below) to prepare moving an elderly parent into your home. This article caught my attention because I may have to move my … (2 comments)
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contra costa: Town Hall Theatre Fundraising Gala: Ticket Available Now!! Lafayette California - 02/25/08 02:18 AM
TOWN HALL FUNDRAISING GALATICKETS AVAILABLE NOW! 5 days only - buy your Gala tickets for $75 ($10 off!). Ticket prices up up to $85 on March 1st. Also, purchase 5 raffle tickets for $40, for your chance to win a night's stay and spa package at the Lafayette Park Hotel! You … (0 comments)
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contra costa: The Great Downsizing in Contra Costa County: Seniors on the Move!!!! - 02/24/08 12:32 AM
Senior Citizens are the fastest growing demographics in most Contra Costa cities. Us baby-boomers are just starting to get to retirement age. Now that the kids have moved out of the house, do we really want to spend all our free time cleaning and doing yard work? Do we want to … (1 comments)
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contra costa: When "The Man" (in this case lady) Comes to Collect Your Mortgage Payment - 02/23/08 02:12 AM
I can imagine adebt collector or collection agency coming to my door to ask for a mortgage payment I do not have. There has to be enormous internal emotional pressures and family trumoil. The following is about a landlord but you will get the idea.
You can find AJ Nisen on … (0 comments)
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contra costa: Mortgage Bailout? Don't throw the "Tax Payer" out with the Water? - 02/21/08 11:05 PM
You know the Office of Thrift Supervision (OTS - don't you like acronyms)? The OTS has authority over federal savings and loan lenders. The OTS unveiled a plan to help mortgage borrowers in trouble, but only those borrowers who hold mortgages with federal savings and loan lenders. The plan suggests their lenders … (0 comments)
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contra costa: Bank of America's President Floyd Robinson Announced Project Lifeline to Help Distressed Borrowers - 02/19/08 01:19 PM
Today, Bank of America played an important role in a major national effort to assist homeowners in danger of losing their homes. Appearing with U.S. Treasury Secretary Hank Paulson and U.S. Housing and Urban Development Secretary Alphonso Jackson, Bank of America's Consumer Real Estate and Insurance Services Group President Floyd Robinson … (2 comments)
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contra costa: Delinquent in Your Mortgage Payment? Don't Run! Don't Hide! - 02/17/08 07:45 PM
Are you delinquent in your mortgage payments? If you are, Don't Run, Don't Hide!HUD and Mortgage lenders are trying to find delinquent homeowners. In particular, they are trying to find homeowners who have not returned phone calls and letters. THIS IS NOT AND ATTEMPT By LENDERS or HUD TO COLLECT or PUNISH! … (1 comments)
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contra costa: Lafayette California was Named After General Marquis-de Lafayette - 02/16/08 03:24 AM
It may or maybe not be obvious, but the city of Lafayette California was named after General Marquis-de Lafayette. Last year when the City of Lafayette celebrated the Marquis-de Lafayette's 250 Birthday, a french camera crew came to the city of Lafayette and did a Video Profile. It is kind of … (0 comments)
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contra costa: Taxes Taxes those Stinking Taxes in Lafayette California - 02/16/08 02:47 AM
Lafayette California:Taxes Taxes Taxes. No more Stinking Taxes. Or maybe we do need more taxes. We have the lowest number of police per capita, we currently have $24M in current road repair that needs to be done immediately, there are cries for more parking, senior living and serives, parks, and the … (0 comments)
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contra costa: Generations in Jazz 8th Annual Festival in Lafayette California - 02/16/08 02:15 AM
2008 Lafayette Jazz FestivalMarch 6-9, 2008@ Bentley School Theater (directions) and the Acalanes Performing Arts Center Click HERE to purchase thickets!March 6th 7:00 p.m. - Rossmoor Big Band w/ special guest performance by Mary Fettig and the Bentley Jazz Ensemble with Brian Pardo and Mic Gillette March 7th 7:00 p.m.- Jamie … (0 comments)
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contra costa: La Finestra, One Great Italian Resturant in Lafayette California - 02/16/08 12:25 AM
Yesterday was Valentine's Day. Sorry to say, I did not get my sweetie RED ROSES (she doesn't like roses anyway) but I did take her out to one of our favorite Italian restaurants, La Finestra Ristorante in Lafayette. La Finestra serves Sicilian or Sicilian influence dishes. Boy did we have a great … (0 comments)
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contra costa: There Is HELP for the Delinquent Borrower! - 02/14/08 06:42 PM
I have talked with too many borrowers in the last several months that are or are about to go into delinquency. It is not an easy conversation. Most borrowers do not know what their options are. I think that walking should be a last resort. I am pretty sure that all … (7 comments)
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contra costa: Don't Make Foreclosure Worse for Yourself. - 02/14/08 06:15 PM
Hey, DEFAULT is a bad situation but don't make it any worse for yourself. I talk with too many borrowers facing mortgage default. I am not an expert but I do try to steer them in the correct direction. Here are a few pointers to think about. HUD has put together … (3 comments)
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contra costa: What is Mortgage Servicing? - 02/11/08 06:49 PM
Mortgage Servicing: Mortgages [1] are typically packaged and sold to either a GSE (Government sponsored Enterprise, i.e., Freddie Mac or Fannie Mae) or to a Warehouse Lender. But when a mortgage is sold, it is typically divided in two parts:The mortgage note itself, Mortgage servicing rights. I have already talked about mortgages, … (0 comments)
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contra costa: New Contra Costa Hot Line for Social Services!!!!! - 02/11/08 01:28 PM
The New 211 Hot LineBeginning today, a new hot line lets anyone in the Bay Area who needs help with food, housing, employment or health care, can dial 211. This service has is slowly rolling out to all the bay area communities. There are six Bay Area counties who now have … (1 comments)
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contra costa: Focus On Seniors: A Day Long Symposium On and For Seniors - 02/10/08 01:49 AM
The demographics overall but especially in our high cost areas are showing the average residence is getting older every year. Yes, Us baby boomers and our parents are aging. This statistic is very dramatic in our high housing cost communities because our young cannot afford to move into towns like Lafayette, Orinda, … (0 comments)
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contra costa: What or Who Are Fannie Mae and Freddie Mac? - 02/09/08 07:43 PM
Freddie Mac (FHLMC) and Fannie Mae (FNMA) are two housing government-sponsored enterprises (GSEs). These GSEs were chartered by Congress (The Federal Housing Enterprises Financial Safety and Soundness Act of 1992 or more commonly known as The GSE Act) to create a secondary market for residential mortgage loans. They are considered "government-sponsored" … (0 comments)
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contra costa: Do You Want To Know How Mortgage Rates Are Determined? - 02/08/08 05:46 PM
No one simply "sets" rates. Rates are primarily determined by the market through supply and demand. The market buys and sells bonds or other debt instruments all the time. The United States (US) to fund the government has the Treasury auction debt (typically the 5, 10, and 30 year US Treasury … (3 comments)
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contra costa: Local E-Waste Recycling Helps School - 02/07/08 01:37 PM
And it helps you too!
Our local High School, Ygnacio Valley High is sponsoring an E- Waste recycling event this weekend.
This is a fund raiser for the Y.V.H.S. Music Boosters.
The event is absolutely FREE!
There's No … (2 comments)
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contra costa: So you want to be a short sale specialist? - 02/02/08 01:46 PM
I always hesitate to call myself a specialist in anything, as there is always so much more to learn about any subject, can any of us ever be truly a "specialist?" Does calling yourself a specialist hold you to a higher standard? I think so. Short sales are the new niche … (10 comments)
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contra costa: The 64 Million Dollar Question... - 01/28/08 06:15 PM
In response to blog comments plus most every friend and client I come in contact with I want to give you my OPINION on where the prices are going in Discovery Bay as well a regionally. When to buy, how long to wait. That is the real question. Heres the deal. Right … (2 comments)
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contra costa: Walnut Creek, CA Down Payment Dreams - 01/22/08 06:46 PM
… (0 comments)
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contra costa: Contra Costa All Day Real Estate Wholesale Workshop for FREE!! - 01/21/08 06:48 PM
Have you ever wanted to invest in Real Estate but maybe you did not have the support you needed in order to take those first steps?
Join us in San Ramon on February 2nd for a FREE all day Real Estate Wholesale Seminar. At this workshop you will learn from a … (0 comments)
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contra costa: Has Your Computer Ever Crashed? - 01/21/08 01:29 PM
Last week my computer crashed! This is always a pain and never convienient. However I would like to take my hat off to a local Computer Sales and Service store right here in Pleasant Hill. The customer service is top notch with very competitive pricing for all service. I've tried using … (3 comments)
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contra costa: The Information Genie has left the Bottle! Web 2.0 - 01/19/08 07:06 PM
Consumer Driven Information - Real Estate 2.0 or The Information Genie has Left the Bottle!Information is Power. For years, Realtors have been the gatekeepers of information related to local properties. For a fee i.e. commission they utilized the information to bring buyers and sellers together. Over the last couple of years … (1 comments)
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contra costa: Homeownership, financial assistance and foreclosure prevention fair - FREE - 01/14/08 10:53 PM
The following was excerpted from a flyer sent home home with the children of the local elementary school. Obviously this housing crisis is impacting families so much that the local school district actually approved this flyer to go home with students. This is important and very timely, I've re-typed the information below so that … (2 comments)
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contra costa: Who do You Know that is Being Forclosed On? - 01/07/08 08:00 PM
The pace of defaults on privately insured mortgages soared almost 35%, reaching the highest level since the data was first collected in 2001, according to data from MCIC, PMI, AIG, Old Republic, and Triad. The association said 61,300 insured borrowers were at least 60 days late on payments in November. That's … (4 comments)
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contra costa: Home Sales Plunge But the Deals are Right There In Front of You - 01/02/08 03:20 PM
Sales of new homes have plunged even more than expected to their lowest level in more than 12 years, leaving the market glutted with unsold homes and pointing to more trouble ahead for the battered housing market. View the Entire Article Here
What does this mean? Well the media always spins … (3 comments)
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contra costa: What's The Time? NOW O-CLOCK!! - 12/31/07 08:19 PM
More and more consumers are now able to afford the home they want in Pleasant Hill. Prices all throughout Contra Costa County are the most affordable they have been in years. Many consumers would like to buy a home but do not know where to start. First you need to get … (2 comments)
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contra costa: Buy Now or Wait? - 12/28/07 01:01 PM
The question on every prospective buyer's mind is, "Should I buy now or wait?" There are five variables that must be considered to accurately answer this question:- Specific market area- Intended length of ownership- Interest rates- Mortgage qualifying guidelines- Availability of Seller Credits toward the buyer's financing costsSpecific market area:While it … (12 comments)
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contra costa: The unintended victims of foreclosure: THE PETS - 12/22/07 10:22 PM
Our local paper today ran a heartbreaking article today about the pets that are being left behind when homes are foreclosed. Since some are forced out in sheriff evictions, or moving to a "no pets" rental, it must be that the former homeowners feel they have no choice. Agents specializing in foreclosures … (14 comments)
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contra costa: The Origin of Mr. Danke Schoen - Dancing with the Stars! - 12/19/07 02:22 PM
"Danke Schoen...Oh darlin'..." That golden voice. Wait is that a guy or a girl? It's a very young Wayne Newton. Wayne is not so young these days as he clearly showed America on Dancing with the Stars.For years I have been told I resemble a young Wayne Newton. A few years … (0 comments)
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contra costa: Contra Costa Realtors in Motion (CCRIM) meetings begin January 8th - 12/19/07 10:50 AM
Thank you everyone at CCRIM for a wonderful 2007. Our REALTOR broker tour and caravan tour will begin again starting January 8th.
We will meet at the same location as most of 2007, Centre Concord at 5298 Clayton Rd, Concord, California.
We have the entire year every Tuesday through December scheduled at Centre Concord. … (2 comments)
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contra costa: Downpayment Dreams - Dec 18 2007 - Walnut Creek, Contra Costa County, California - 12/18/07 11:53 PM
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contra costa: Down Payment Dreams 2007 Dec 18 - Concord, Contra Costa County, California - 12/18/07 05:24 PM
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contra costa: New Listing on Private Country Lane in Concord, CA - 12/13/07 01:22 PM
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contra costa: Alternatives to Foreclosure - 11/11/07 08:53 PM
There are many do's and don't's related to foreclosure proceedings. We'll have a follow up blog soon with more on that, but for one thing, don't move out of your home, as you may not qualify for certain types of assistance if you move out. We'll also be posting a list … (11 comments)
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contra costa: FREE Housing Resource Fair for Contra Costa County residents - 11/10/07 03:07 AM
The Mt. Diablo Housing Opportunity Center (http://www.mtdhoc.org/) is offering a FREE housing resource fair on Saturday, November 10th from 10am to 3pm. Official representatives from local cities will be on hand to provide information about housing programs in Concord, Walnut Creek, Pleasant Hill and Martinez. You'll be able to also find … (0 comments)
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contra costa: Short Sales in Contra Costa County - a checklist - 11/10/07 02:34 AM
Many homeowners in Contra Costa County are facing some very difficult decisions. Some are behind in their loan payments and some are upside down and owe more on their mortgage than their home is currently worth in today's market. Terry Osburn and I have teamed up to provide these homeowners with guidance and … (0 comments)
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contra costa: FED to Evaluate Another Rate Cut! - 10/31/07 01:24 AM
Another rate cut is expected as the FED meets two days in a row to evaluate current rates. A cut of .25 basis point is expected with no further action until after the new year. Fed Officials Weigh a Rate Cut
Long term mortgage rates are not expected to be effected … (5 comments)
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contra costa: All Day Intensive Real Estate Investor Workshop in Concord Nov 17th! - 10/27/07 06:56 PM
Come join us for a full day of FREE Real Estate Investing Education! If you’ve already been exposed to Nouveau Riche University and you know what we are about then here’s your chance to sample one full day of nuts and bolts education for FREE. If you have not checked … (0 comments)
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contra costa: Lo que me gusta de Walnut Creek - 10/25/07 07:05 PM
Lo que me gusta de Walnut Creek Walnut Creek cuenta con un excepcional equilibrio residencial y cosmopolita de vida suburbanos. Abrir el espacio de las zonas, una activa comunidad de negocios y comerciales, parques, lugares de ocio y esparcimiento. Ningún grupo de edad domina. Es una ciudad cómoda con complejos de … (0 comments)
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contra costa: Antioch California Market October 25, 2007 - 10/25/07 08:01 AM
As of today there are 1216 residential homes/condos on the market in Antioch, California. Of this nunber, 1096 are single family detached homes. It is important to note the ratio of homes sold and homes on the market; 27 homes sold and 1216 homes on the market. In addition to this … (0 comments)
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contra costa: Y.V.H.S. E-Waste Recycling Success! - 10/15/07 08:44 AM
It's Blog Action Day and it came at just the right time.
This weekend we helped with the Ygnacio Valley High School Electronic Waste / Recycle Event and I am happy to report it was a success!
I saw many of my local real estate agents.
In case you missed it - … (5 comments)
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contra costa: Staging makes no difference? You be the judge . . . - 10/07/07 05:56 PM
What do you think? Did staging matter here? What house would you rather come see? Yes, this is the same condo in both the before and the after photos. Does neutralizing paint matter? Does trying to evoke a feeling, matter? Is it a mechanism of just putting stuff in a corner? Or … (5 comments)
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contra costa: Order Preliminary Title Reports for CA Counties: Sacramento, El Dorado Hills, Los Angeles, San Diego, Riverside, Contra Costa, Yolo, San Joaquin, Santa Barbara, Orange, Santa Clara, Stanislaus - 10/02/07 01:26 PM
Order Title and Escrow all over the United States using one point of contact! We service all CA Counties! We are a National Lenders Division that services 49 US States. We have the personnel, experience, resources, and contacts to service all of your Title & Escrow needs Nationwide!I specialize in doing a lot of Title Only business! If I … (0 comments)
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contra costa: Independent Escrow Companies Wanted / CA, Sacramento, San Diego, San Francisco, Contra Costa, Los Angeles, Riverside, El Dorado Hills, Placer, Yolo, San Joaquin, Stanislaus, Merced, Solano, Alameda, Santa Clara - 09/28/07 02:29 PM
Ordering Title product all over the United States made simple! We service all CA Counties! This National Lenders Division services 49 US States. We have the personnel, experience, resources, and contacts to service all of your Title needs Nationwide! You do the Escrow portion and we will take care of the Title work! On-Line Ordering: We … (0 comments)
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contra costa: Spend more Time doing the the things you enjoy...let us take care of all your Title Work - 09/28/07 01:28 PM
You don't have to spend so much of your time shoping around for a Title company to do certain counties or states. Let us take care of all your Title and Escrow needs Nationwide, then maybe you can spend more time doing something productive...like playing Golf. Ha :-) Good business relationships are built on just … (0 comments)
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contra costa: Order CA REO Preliminary Reports / Sacramento, San Francisco, Contra Costa, Placer, El Dorado Hills, Riverside, San Diego - 09/28/07 01:00 PM
Ordering Title product all over the United States made simple! We service all CA Counties! This National Lenders Division services 49 US States. We have the personnel, experience, resources, and contacts to service all of your Title & Escrow needs Nationwide! On-Line Ordering is quick and easy! It generally only takes a couple of minutes to order … (0 comments)
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contra costa: Contra Costa Restaurant Inspections - 09/05/07 09:01 PM
So you thought this blog was everything real estate related huh? Well, in an effort to keep the community informed, I will occasionally be posting news of note (at least to me). I ran across this today. I did not know that you could look up the details of restaurant health inspections. … (2 comments)
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contra costa: Top Relocation companies per customer satisfaction - 08/31/07 12:42 PM
If you're like me , you have the occasion to work with relocating buyers and sellers. Sometimes they come with a large, corporate relocation services company and benefits thru their companies. Anytime I get a call from a buyer or seller saying they're "relocating" or moving for their job, I ask … (1 comments)
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contra costa: 4 bedroom Concord listing - close to downtown and BART - priced DROP 100k+ - 08/27/07 01:02 PM
4 bedroom, 2 bath IMPECCABLE CraftsmanLocation: Near Downtown and BARTArchitectural interest was maintained and enhanced thru-out the extensive remodeling of this lovely craftsman styled home. Slab granite kitchen with tile flooring, garden window, gas range, breakfast bar and eating nook. Wood, parquet, tile and wall to wall carpeting. 4 bedrooms and … (2 comments)
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contra costa: Zillow LOVES Me! - 07/25/07 08:10 PM
Ok, so the truth may be closer to...
Zillow liked something I wrote and decided to feature it.
LINK
Diane Tuman wrote that,
"I spend a lot of time in the Real Estate Guide, editing content, organizing content, and “redirecting” spam when I see it. Lots of similarly-themed titles flow one after … (5 comments)
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contra costa: Friday the 13th Lucky for 15 college students - 07/23/07 12:20 PM
July 13th, 2007 - Blackhawk, CA
Friday the 13th is viewed by some as an ominous day, a day of superstition and mysticism. Not for 15 lucky college students who have already begun their quest for higher education. At an awards ceremony for the Contra Costa Association of Realtors (CCAR) Scholarship Foundation … (0 comments)
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contra costa: Walnut Creek Market Report and Trends - 07/19/07 04:17 PM
Here are some good visual stats and accompanying data to show you what the Walnut Creek Housing Market is doing right now (well, thru June). This is the single family housing market and history. Its a great visual to see the trends, how it compared to last year, the number of … (1 comments)
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contra costa: East Bay Home Sales - slooooooooowwwwww and easy.... - 07/19/07 04:03 PM
So , we had to have yet another report in the paper today of our slowest housing market in years. Contra Costa Times reports that in Contra Costa County home sales are the slowest in 14 years, in Alameda County, the slowest in 12 years and Solano County took the award of … (1 comments)
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contra costa: the ART of Giving Back - 07/17/07 11:54 AM
As you may know, I am an avid blogger. I've been so since early 2001. I also love to teach. The act of blogging can have an enormous impact on the business of real estate professionals, and in particular, real estate agents. I know this, you as a reader probably already … (3 comments)
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contra costa: Contra Costa Median Home Prices and Housing Statistics - 07/10/07 11:50 PM
Here are some charts showing median pricing in some of our Central Contra Costa County cities of Walnut Creek, Pleasant Hill, Concord and Martinez. For more information you can visit: www.DiabloValley.net/market-reports.com
… (3 comments)
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contra costa: California Notice of Defaults (This Week) - 07/10/07 03:17 PM
7/10/07 NODs (CA) Notice of Defaults This week, for the State of California, there were 3,692 Notice of Defaults (NOD) filed with the County Recorder office. Here are just some of the notable counties: … (2 comments)
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contra costa: Will This Solve Anything? - 06/22/07 11:41 AM
Or is it just another CYA form from one of my Lenders? NEW STATED INCOME BORROWER DISCLOSURE REQUIREMENT Beginning July 2, 2007, a new disclosure requirement will be added on all stated income documentation loans for applications received and loan documents drawn. The disclosure, titled Loan Applicant's Certification for Stated Income Loans, … (3 comments)
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contra costa: Of Pools and Puddles... - 06/22/07 11:18 AM
Long term mortgages and the rates and terms they carry are determined by a couple of different factors.While many people mistakenly think the Fed's control mortgage rates they are in fact determined by Mortgage-backed securities (M.B.S.).M.B.S.'s are created by pooling loans and selling bonds with coupons based on the mortgage … (0 comments)
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contra costa: Neg Am Disclosures - a little too late? - 06/20/07 03:11 PM
I read an article the other day and was struck by the following quote. "The Federal Reserve Board is considering potential revisions to Reg Z, including: (a) simplifying and clarifying Regulation Z's adjustable rate mortgage disclosures, to make them easier for consumers to understand and use; (b) requiring a "worst-case" payment … (3 comments)
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contra costa: Top Tips for Home Sellers - 05/25/07 09:07 AM
Great Tips for Home Sellers from Elizabeth Weintraub over at About.com.
Selling a House with Pets at Home
Almost everybody loves pets except the home buyer who is buying your house. Don't ask me why, but that's often how it works out. Home sellers who adore their pets -- and I … (0 comments)
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contra costa: CalTrans Highway 24 Work Has Begun - 05/21/07 11:38 PM
The Long Need Highway 24 Rehab Has Begun.Caltrans has bengu their $41.5 Million dollar Rehab project. There will be plenty of Detours and Ramp Closed throughout this project which is expected to be complete by 2009. This will be a noisy project. Both Orinda and Lafayette residents near the freeway will … (0 comments)
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contra costa: The TownHall Theatre Company Presents - 05/21/07 11:10 PM
"Let's go To CasaBlanca" May 26th to June 23rdThis is the much anticpated sequel to Let's go To the Movies. Director Kevin T. Morales notes that this "show is crammed full of songs that ere made famous y films or featured promeinently in them." There are plenty of laughs. I plan … (0 comments)
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contra costa: The Walnut Creek Farmer Market! Every Sunday Year Around. - 05/21/07 12:28 PM
Fresh Vegitbles, Fruits, and Flowers Every SundayEvent Name: Walnut Creek Farmers' MarketDescription: What's In Season for April & May: Apricots, Artichokes, Asparagus, Avocados, Cherries, Cilantro, Cucumbers, Green Garlic, Fava Beans, Lettuces, Onions, Peas, Radishes, Spinach Strawberries Event Time: 08:00 AM - 01:00 PM PSTLocation: Walnut Creek Library Parking Lot Broadway at Lincoln Walnut … (0 comments)
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contra costa: Bay Area home sales drop, prices up - 05/16/07 06:10 PM
Finally some good news coming out of the media. This article by DQNews is some of the best news that I have seen in a while coming from the normally doom-sayer media. Even though the number of homes sold is down, and they go into a bit of detail about this, the average … (0 comments)
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