READY!!! FIRE! AIM!! Oops, I mean FIRE! READY.... Ugh - 01/24/11 07:12 PM
You know about this as well as I. We have all made the mistake of 'pulling the trigger' before readying ourselves, aiming clearly and then firing.
Nope, we are not hunting today! Although, it is a gorgeous day in Southern California and the quail are scampering seemingly everywhere but not today (bummer).
I am talking about all the missed shots in our day to day business. Real Estate and Mortgage Sales are like any other business in that we utilize certain systems to accomplish our goals. Sometimes though, our systems are skewed, our delivery is clouded and our final product is … (1 comments)

Are you too cheap for your own good? 'IT' happens, disaster strikes, you are not prepared - 01/20/11 06:11 PM
You all know what I am referring to when I say 'IT'? In French its called merde, my 5 year old son calls it 'number 2'. Pardon my French but 'IT' will be what you say when disaster strikes.
I am talking about floods, kitchen fires, wild fires, tornadoes, hurricanes, giant snow storms, huge hail and yes, rocks from outer space destroying your home. 'IT' happens and more often than most of us recognize. My family has learned, first hand, that it is urgently important to protect yourself from the worst and live for the best. I'm not talking about running around with your … (72 comments)

Sales of previously owned homes surged 12.3 percent in December - 01/20/11 11:51 AM
Thank goodness we are starting to catch a glimpse of the light at the end of the tunnel. Can anyone really doubt the USA??? Alright everyone, buckle down, now is the time to really get serious about your business plan for 2011 and into 2012.
Via Indera Coggins (Re/Max 100):
 Sales of previously owned homes surged 12.3 percent in December
Sales of previously owned homes surged 12.3 percent in December, according to data released by the National Association of Realtors Thursday.
Existing-home sales have increased five of the last six months and have now hit a seven-month high, at a seasonally adjusted annual … (0 comments)

Hmmmm, anyone starting to feel like the coveted 'featured' post is held for a select few? - 01/20/11 10:43 AM
Anyone else wondering why? I mean every day, the same names are popping up consistently again and again. There is not a two week period that goes by when you do not see that about 20 of the highest ranking points members with a featured post.
Then you actually read them. Most are mediocre regurgitation of the news I read yesterday or even re-written posts from last month or last year. However, some of them, very creative, eloquent and well written.
None the less, I read many posts every day by many very deserving, hard thinking, well researched, clever, informative writers that NEVER get featured.
Here is an … (5 comments)

Pauma Valley Income Property, Business, Home, Liquor Store for sale - 01/14/11 03:45 PM
Pauma Valley Income Property, Business, Home, Liquor Store
Pauma Valley Income Property, Business, Home, Liquor Store for sale
Welcome to Pauma Valley! Here in this San Diego County location you can enjoy the perfect climate year round with easy access to Palomar Mountain, San Pasqual Indian Reservation, San Diego Wild Animal Park, Lake Wohlford, Lake Dixon and easy access to the Cleveland National Forest.
Amazing local farmers markets, tons of avocado groves and old country charm.
Enjoy the business driven to you from Pala casino, 4 miles West and Pauma Casino, 1/4 mile West. Located 11 miles east of Hwy … (0 comments)

2011 Mortgage Banking, More Changes to Come - 01/13/11 03:13 PM
Here we are in the full swing of 2011 already ushering in a new year and, hopefully, new success. I for one have positioned my self for success with a whole list of new weapons (is that too divisive to say?) that I have already implemented into my battle plan with even more targets than weapons.
What with so many changes in mortgage banking ranging from credit score tiered pricing to appraisal to new FHA rules for UFMIP and monthly MI one could easily throw up their hands and throw in the towel. Well, guess what? More than half of my … (1 comments)

Are you selling Dogs, Horses, Kittens or something you were 10 years ago? - 01/12/11 06:01 PM
I'm talking about your picture. You know, the one you use on your sign, open house fliers and business cards. To most buyers, like it or not, its an opportunity to judge you.
Buyers can develop distrust when they see your picture on the Internet from 10 years ago and then meet you in person. I have had buyers divulge that they think these people just can not be trusted. If you are not comfortable with yourself today, then why would you expect someone else to be comfortable with you?
And what about all those dogs, cats, kittens, horses turtles and, … (3 comments)

How Senior Citizens can get a housing discount: Can a qualified Senior Citizen put 35% down and never make another payment toward their home? - 01/12/11 02:25 PM
… (2 comments)

Nail those expired listings, every time - 01/12/11 01:48 PM
Overview
 
Each home listed is an opportunity to do more deals.  Use your listings to create more listings and collect a qualified group of buyer prospects.  The homes that don't sell when first listed can be the best homes to have as listings.  What was an unrealistic homeowner has become a motivated Seller.   More listings mean more deals!  Expired Listings have a Motivated Seller, ready willing and able to see their home sold resulting in a quicker sale.  If you show up offering a complete marketing package you will win more listings and get higher commissions.  There are usually two … (2 comments)

92025 Escondido Home For Sale Large Lot Escondido California - 01/11/11 04:35 PM
This 92025 Escondido Home For Sale features 2.50 Acre Lot and over 6900 square feet. This 92025 Escondido Home For Sale for 999,000 and has a 10 car garage as well as 4 bedrooms and 4 bathrooms. Located in the highly sought after subdivision of Highland Valley, this particular 92025 Escondido Home For Sale has a MASSIVE drive way and an out door court yard that would impress the A Lister Movie Star. 92025 Escondido Home For Salelooks like a home you would see in the God Father Movie. If it is luxury you are looking for as well as an … (0 comments)

Escondido Home For Sale Large Lot Escondido Home For Sale - 01/11/11 04:32 PM
This Escondido Home For Sale Large Lot features 2.50 Acre Lot and over 6900 square feet. This Escondido Home For Sale Large Lot for 999,000 and has a 10 car garage as well as 4 bedrooms and 4 bathrooms. Located in the highly sought after subdivision of Highland Valley, this particular Escondido Home For Sale Large Lot has a MASSIVE drive way and an out door court yard that would impress the A Lister Movie Star. Escondido Home For Sale Large Lotlooks like a home you would see in the God Father Movie. If it is luxury you are looking for … (0 comments)

Highland Valley Escondido Subdivision Home For Sale Escondido California - 01/11/11 04:27 PM
This Highland Valley Escondido Subdivision Home For Sale features 2.50 Acre Lot and over 6900 square feet. This Highland Valley Escondido Subdivision Home For Sale for 999,000 and has a 10 car garage as well as 4 bedrooms and 4 bathrooms. Located in the highly sought after subdivision of Highland Valley, this particular Highland Valley Escondido Subdivision Home For Sale has a MASSIVE drive way and an out door court yard that would impress the A Lister Movie Star. Highland Valley Escondido Subdivision Home For Salelooks like a home you would see in the God Father Movie. If it is luxury … (0 comments)

Valley Center Large Garage Pool Home Guest House - 01/11/11 01:42 PM

Valley Center Large Garage Pool Home Guest House
Welcome to Valley Center! Country and farm living with the city and amenities of San Diego just minutes away. This is a life away from all the hubbub of the rat race with tranquil blue skies, meandering drives and 100+ year old oak trees everywhere.
Wild life and nature abounds everywhere near this Valley Center Large Garage Pool Home Guest House. There are plety of outdoor fishing, camping and hunting opportunities nearby.
For those trail and equestrian lovers this Valley Center Large Garage Pool Home Guest House will be a true delight. … (0 comments)

Sea Country Torrey Hills Ocean View 92130 for sale - 01/10/11 08:27 PM
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Sea Country Torrey Hills Ocean View 92130 for sale
Below comments are not to be deemed accurate. This is a FSBO for sale by owner property. Some of the comments are taken from the Craig's List posting:
http://sandiego.craigslist.org/csd/reo/2144955614.html
Super setting very close to an awesome 20+ acres park sit this Sea Country Torrey Hills Ocean View 92130 for sale with no homes in front or back of this home.
Excellent proximity to the Pacific Ocean with sweeping vista and pacific Ocean views. This Sea Country Torrey Hills Ocean View 92130 for sale boasts excellent … (3 comments)

Sea Country Torrey Hills Ocean View 92130 for sale - 01/10/11 01:27 PM
Awesome views with an awesome home for sale. This agent is also very easy to work with and does a fantastic job for his clients. His service is really impeccable making him very easy to be in a trasaction with. I highly recommend you show this one to your clients.
Via David McElveen (Realty Executives):
Sea Country Torrey Hills Ocean View 92130 for sale

Sea Country Torrey Hills Ocean View 92130 for sale
Below comments are not to be deemed accurate. This is a FSBO for sale by owner property. Some of the comments are taken from the Craigs List posting:
http://sandiego.craigslist.org/csd/reo/2144955614.html
… (0 comments)

Going GREEN has NEVER been easier: A Green real estate guide - 01/05/11 06:32 PM
In today's 'Going Green' world many more buyers are seeking green sustainable options in their search for that perfect home. This proposes a major problem for Realtors seeking that right fit for the buyer. The Realtor of today is a hard worker but locating a Green Home can be akin to seeking a needle in a hay stack.
There are options that few consider due to lack of publication. Please consider this post a guide!
By definition, recycling an older home into a newer greener home with sustainable improvements is, in itself, going green. Nearly every home can become  a Green … (17 comments)

Highland Valley Custom Estate for Horses with Pool - 01/05/11 04:04 PM

Highland Valley Custom Estate for Horses with Pool
Amazing price for all that acreage and all that square footage. This is a true palace! This is a remarkably built southwestern style Spanish hacienda but really its a PALACE! Highland Valley Custom Estate for Horses with Pool like this come on the market very rarely.
This Highland Valley Custom Estate for Horses with Pool is one fantastic opportunity for that distinguished client looking for a fantastic deal. This Highland Valley Custom Estate for Horses with Pool is only for that discerning family looking to enjoy the better parts of life.
This … (2 comments)

How to Succesfully get a Mortgage Loan in 2011 - 01/05/11 12:43 PM

Getting a mortgage in 2011 is a little more complicated than it has been in the past due to the challenging economy and increased government regulation of the mortgage industry. In fact, it's like a giant hurricane has swept through the housing and mortgage markets, leaving chunks of debris and danger in its wake. But never fear; that's why I am here! As your Certified Mortgage Planning Specialist, my role is to walk by your side, be your personal guide, and set you up for success every step of the way. Here are a few of the challenges that we … (0 comments)

Another closing guaranteed!!! If You Know About These 8 Credit Scoring Tips- Know them or lose to those who do - 01/05/11 12:23 PM
8 Credit Scoring Tips to help your clients wanting to buy a home, get better loan terms and save money. These tips will help you close more transactions and receive more referrals.
1. GET RID OF YOUR COLLECTION ACCOUNTS.
Did you know that paying a collection account can actually reduce your score? Here's why: credit scoring software reviews credit reports for each account's date of last activity to determine the impact it will have on the overall credit score. When payment is made on a collection account, collection agencies update credit bureaus to reflect the account status as "Paid Collection". When … (0 comments)

Extended Tax Credit for Qualified Active Duty Members - 01/04/11 12:48 PM
Homebuyer Tax Credit for Individuals on Qualified Extended Duty Service  There are special rules that apply to the homebuyer tax credit if you are a member of the uniformed services, the Foreign Service of the United States, or an employee of the intelligence community.
Here is how it works:
 
A "first time home buyer" is defined as someone who has not owned a primary home in the last three years. If you are a "first-time home buyer", your tax credit will amount to 10% of thepurchase price of your new home not to exceed $8,000.
A "long-time resident" is defined … (0 comments)

Some Important IRS Publications, Real Estate Related - 01/03/11 12:41 PM
I have all of these cut and pasted to my desktop. In some cases it is easier to direct an associate, buyer or borrower to the correct information and assist them with any questions rather than give direct advice. This is not usually the case but giving oput tax advice can get very sticky.
I never give advice on tax issues or investment questions, all I can do is be a guide and answer questions pertaining to the management of home equity.
A. i5405 - Home Buyer Tax Credit:
http://www.irs.gov/pub/irs-pdf/f5405.pdf
http://www.irs.gov/newsroom/article/0,,id=204671,00.html
http://www.irs.gov/newsroom/article/0,,id=187935,00.html
http://www.irs.gov/pub/irs-pdf/p523.pdf
http://www.irs.gov/pub/irs-drop/n-09-12.pdf
B. 523 - Selling … (1 comments)

 
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