Elk Grove Police Department wants you! Join them for their Citizens' Academy which begins on February 10th! - 01/31/10 03:59 PM
Elk Grove residents are encouraged to join the Elk Grove Police Department for their upcoming Citizens' Academy starting on February 10th!

The Citizens' Academy is a sixteen week program designed to inform and teach interested residents about the various aspects of municipal policing. The program covers procedures from patrol and investigations, vehicle operations, arrest and control techniques, 911 communications, code enforcement and animal control.
According to Jason Jacobo, this course is great for Elk Grove residents who want to learn more about how the Elk Grove Police department works to keep us all safe!
The Citizens' Academy meets on Wednesday … (1 comments)

Some people in my industry don't get it... RESPA is real! - 01/30/10 12:09 PM
I was recently sitting in a room full of Realtors and I heard something that shocked me! A mortgage professional in Elk Grove, Ca. stood up and made an announcement that whoever sent them the most mortgage client leads for the month would win a trip to a cabin for the weekend. I kinda just sat there and waited for others to react... but no one really did.
You see... it is this little thing called RESPA. I can not offer Realtors any type of compensation for sending us a client. Maybe noone reacted because they were Realtors and they are used to … (8 comments)

Got a gift card to Palermo Restaurant in Elk Grove from our Sacramento mortgage client! - 01/27/10 06:34 PM
As a Sacramento mortgage broker, it can be frustrating right now to close a loan. Underwriters are overcorrecting from past faults and are picking a part perfectly good mortgage files.
I am reminded this week why we do what we do! We just go another gift certificate from our Sacramento mortgage client for Palermo Restaurant in Elk Grove.
I can't tell you how nice it was to open this card!
In this market, sometimes no matter how hard you try, you can't always provide a smooth transaction for the client because of our crazy lending environment... It is so nice to be … (0 comments)

10th Anniversary Time Capsule Project in Elk Grove, Ca. - 01/24/10 09:45 PM
10th Anniversary Time Capsule Project in Elk Grove
The city of Elk Grove is commemorating their first 10 years of Cityhood!

Named the first city in California to incorporate in the 21st century, the City of Elk Grove has brought forth a new local government with newfound independence. Since the City incorporated in July 2000, Elk Grove has blossomed with new businesses, residents, employment opportunities and amenities such as a new locally-controlled police department, animal care service unit and a first-rate public transportation system.
In July 2010, the City of Elk Grove celebrates its 10th anniversary of cityhood. 
The Elk Grove … (0 comments)

Sacramento County rental inspection ordinance... Are you ready? Maybe you should take a class! - 01/20/10 07:28 PM
The Rental Housing Association(RHA) is holding FREE classes to help Sacramento rental owners get educated about this new inspection ordinance!
Did you know?...
The County of Sacramento ordinance requires inspection of all rental units within the unincorporated areas of the County. The ordinance requires anyone who is inspecting a rental property on behalf of the property owner to be certified through a County-approved certification course.
RHA is offering these certified courses for FREE! After completing this course participants will receive a certification document.The class covers the details of the new ordinance including registration requirements, fees, exemptions, who may do inspections, what must be … (2 comments)

FHA announces policy changes to reduce risk - Bye Bye 6% Seller's credit and we now have a minimum credit score! - 01/20/10 09:41 AM
FHA announces policy changes to reduce risk - Bye Bye 6% Seller's credit and we now have a minimum credit score!
When I saw this press release come out this morning, I held my breath when I was reading it! The good news?.... They left the down payment at 3.5% for most borrowers! I was relieved for my Sacramento mortgage clients!
So what did they change?
The changes announced today are the latest in a series of changes David Stevens (the FHA Commissioner) has enacted in order to better position the FHA (Federal Housing Administration) to manage its risk while continuing to support the nation's … (4 comments)

A new year and a new beginning for the Elk Grove Investment Club...Elk Grove REIA - 01/19/10 01:19 PM
Elk Grove REIA A New Year... A New Beginning
As of the first of the year, the founder of Elk Grove REI Lydia Ybarra, has handed off the baton to Todd and Erin Newington. We want to thank Lydia for starting the original Elk Grove Real Estate Investors Group and for allowing us all an opportuntiy to come together to learn and network.  
With that said... We will be creating a new website to signify this new change and we're excited about the opportunity in front of us all this year!  
Our official first meeting as a new Sacramento investment club … (0 comments)

HUD announced a temporary policy that will lift the 90 day seasoning rule! Now we are talking! - 01/17/10 08:36 PM
In an effort to stabilize home values and improve conditions in communities where foreclosure activity is high, HUD Secretary Shaun Donovan last Friday announced a temporary policy that will expand access to FHA mortgage insurance and allow a quicker resale of foreclosed properties.
FHA currently requires the seller to own (must be on the title) a Sacramento property for a minimum of 90 days before they can sell it to a buyer using FHA financing. Sacramento bank owned property is exempt from this rule....until now!  
HUD will lift this restriction for one year beginning on February 1, 2010!
This lift of the 90 day seasoning rule will permit buyers … (0 comments)

HUD announces 120-day retraint for new RESPA enforcement - But will it save my paycheck? - 01/13/10 02:36 PM
HUD announces 120-day Retraint for enforcement of the new Real Estate Settlement Procedures Act (RESPA)... but will it save my paycheck? I recently wrote a post about the new 2010 Good Faith Estimate form. Looks like the powers that be are going to give everyone a break while we get this mess straightened out.
Now that I have a several Sacramento mortgage applications under my belt since the new change, I can tell you this new form has led to some real confusion for borrowers. Although I mentioned that this new Good Faith Estimate is laid out in a much more user … (26 comments)

Spay Day Elk Grove 2010 is on February 28th - Is your Elk Grove pet neutered? - 01/13/10 01:27 PM
Spay Day Elk Grove 2010 is on February 28th - Is your Elk Grove pet neutered? 
On February 28, nearly 1,000 pets belonging to families in need in Elk Grove, Sacramento, Yolo and Placer Counties will receive low-cost spay/neuter surgery.
Households in Sacramento, Yolo and Placer Counties earning $35,000 a year or less can get their pet neutered at a extremely cost effect price. Cats cost $15 and dogs cost $20! I called my local Elk Grove veterinarian... Bradshaw Vet and they said the normal cost was around $195 for a dog and $121 for a cat. So that is a significant … (1 comments)

Check out this video testimonial from our Sacramento Mortgage clients... they make this job worth doing! - 01/08/10 04:53 PM
I am not going to lie... Sometimes being a Sacramento Mortgage Planner feels like you are working in a battle zone.
We go head-to head daily with mortgage underwriters, sometimes underwriting supervisors, whole sale regional managers, and occasionally a Sacramento real estate agent.
Needless to say those still left in the Sacramento mortgage business love what they do... believe me! Our clients don't know half of the daily battles we go through to get their Sacramento mortgages approved and closed.
I can't tell you how much it means to us to get feedback like this from our clients! Their feedback makes every battle worth it! … (4 comments)

Why do Fannie Mae and Freddie Mac executives get enormous bonuses? - 01/07/10 08:11 PM
I found this blog very interesting! In my book bonuses are supposed to be paid based on performance.... I guess that is just me!
Fannie Mae stock prices in July of 2009 (right before the Government took over)were running around $10-13 a share... Today they are at $1.16...
Do I need to say more?

Via Will Nesbitt - condos / real estate in Alexandria, Arlington, Fairfax County (Condo 1 Alexandria / Will Nesbitt Realty LLC):
Can anyone please tell me why we are paying the executives at Fanne Mae and Freddie Mac giant bonuses?
According to Business Week, "Fannie Mae Chief Executive … (2 comments)

Sacramento Home Buyers and Realtors prepare for a virtual standstill right now with the new Good Faith Estimate 2010 - 01/07/10 12:49 PM
If you are applying for a Sacramento mortgage right now... Prepare for a virtual standstill with the new Good Faith Estimate 2010 and all the misunderstandings that come with it!
As I am writing this post, I have been on hold for 2 hours now trying to get in touch with the folks at Calyx Point (an origination software company) so I can figure out what is going on with my new software update that addresses the new Good Faith Estimate for 2012.
Some of you may wonder why I have not written about this huge change to our industry yet. … (1 comments)

Breaking News: Schwarzenneger Champions New California Home Buyer Tax Credit - 01/07/10 01:04 AM
Boy... this would be great news for Sacramento home buyers! We will have to see if it sticks! I am curious how we are going to pay for it.... but I guess they will leave that for another day.
I can tell you when clients come into our office to apply for a Sacramento mortgage... the tax credit is a real motivator!
I am crossing my fingers!
Via Elizabeth Weintraub, Sacramento Short Sale Agent, 916.233.6759, Lyon RE (Lyon Real Estate):
During Gov. Schwarzenneger's State of the State address at the state Capitol today, the governor announced a new proposal for another home buyer … (0 comments)

If you live in Elk Grove... watch your mail for your Census form this March! - 01/05/10 02:44 AM
Did you know the Census is coming to Elk Grove in March of this year?
So what is the Census?The U.S. Census counts every resident (citizens and non-citizens) and is required to take place every 10 years per our Constitution.
How does it work?Every Elk Grove resident will receive a Census form by mail soon after March 1st to their home. This form will contain 10 questions you will need to answer and mail back.
If you forget to return it with the postage paid envelope, be prepared for a visit by a Census Taker. The Elk Grove Census Taker's job is to track down … (2 comments)

Good Day Elk Grove TV - Elk Grove real estate market year in review and our predictions for 2010! - 01/03/10 04:34 PM

This month's show is dedicated to looking back at the 2009 Elk Grove Real Estate Market and share with you our predication for 2010.
If you are currently in the market to buy a home in the Elk Grove area, make sure to check this episode out!
 


We are in a sweet spot right now in Elk Grove... LOW interest rates - ROCK BOTTOM prices - TAX CREDIT for First Time Home Buyers AND Move-up Buyers!
Want to keep up with the Good Day Elk Grove crew? << Become a fan on Facebook! >> 
Thanks for tuning … (3 comments)

Happy New Year Sacramento! This mortgage gal crossed the 100,000 mark! - 01/01/10 01:37 PM
As I write this post I am crossing the 100,000 point finish line here on Active Rain! It has been a slow process, but I have learned so much along the way!
It used to feel like it was an impossible goal and now that I am here I am ready to set another milestone for myself!
I am excited to see what 2010 will bring! I am very happy to be in the mortgage business here in Sacramento!

 
2010 is going to be great! The opportunities are endless! 
… (7 comments)

 
Erin Rainmaker_large

Erin Newington, Elk Grove Realtor (916) 548-9198

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(916) 548-9198 Keller Williams Realty

Address: 9250 Laguna Springs Drive #100, Elk Grove, CA, 95758

Office Phone: (916) 585-3858

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