san francisco: La Ley Mortgage Forgiveness Debt Relief Act - 01/02/13 07:27 AM
La Ley Mortgage Forgiveness Debt Relief Act, para duenos de casas que estan haciendo una venta corta.
Buenas noticias para los propietarios que estuvieron preocupado por por no saber si la ley Mortgage Forgiveness Debt Relief Act se iba a extender otra vez.  De esta manera las personas que estaban hacienda una venta corta y no pudieron completarla antes de Diciembre 31, 2012 hubieran tenido que pago de impuestos en una venta corta, si la venta corta no se completó antes de diciembre 31 de 2012. Afortunadamente, el Congreso ha extendido la Deuda Hipotecaria Ley de Alivio por otro año mas.

La … (0 comments)

san francisco: Mortgage Forgiveness Debt Relief Act was extended - 01/02/13 06:54 AM
 
Mortgage Forgiveness Debt Relief Act was extended.
 
Good news for a homeowner who were worried about paying tax after a short sale, if the short sale was not complete until December 31, 2012. Fortunately, the Congress has extended the Mortgage Forgiveness Debt Relief Act for another year.

The extension of this new law will protect distress homeowner from paying huge tax bills on the amount of money forgive by the bank as a result of a short sale. I have three short sales in San Francisco and one in San Mateo waiting for bank approval.
 
Most for of delays occur by the interaction of … (2 comments)

san francisco: Change your Clocks San Mateo County/ San Francisco Bay Area home owners - Change your clocks back one hour - Change Batteries or install new smoke and carbon monoxide detectors - 11/03/12 05:04 PM
San Mateo County/ San Francisco Bay Area Homeowners- Make sure you change your clocks back one hour - Change Batteries or install new smoke and carbon monoxide detectors
 
Just a reminder, fall will be here officially in November at 2:00 A.M is when you change your clock back one hour. What does that mean to you? You get to sleep one more time this weekend! If you forget to turn your clock that is not a problem; you will go to church or business appointment one hour early.
 
 
 
style="font-size: large;">To protection your family and your home, I want to remind you to change your … (1 comments)

san francisco: SAN FRANCISCO Home for sale - JUST LISTED 19 EDNA STREET , ANOTHER SHORT SALE APPROVED! - 02/17/12 05:24 PM
San Francisco home for sale, 19 Edna St. 2 Bedroom 1 bath home in Sunnyside.
Don’t miss this great opportunity to own this two bedroom 1 Bath in the Sunnyside Neighborhood. In the main level 2 Bedroom, 1 Bathroom, Kitchen, Living room and formal dining room. Upstairs bedroom and 1/2 bath (unwarranted). Hardwood Floors, newly installed roof, Full basement, backyard, double pane windows. Easy Access to 280, Close to Bart, public transportation, Shops & Restaurant and walking distance to City College. This home is to be sell AS-IS in its present condition. Seller will not be able to make repairs on the … (6 comments)

san francisco: Happy Thanksgiving Bay Area! - 11/24/11 09:29 AM
Happy Thanksgiving! Gratitude unlocks the fullness of life.  It turns what we have into enough, and more.  It turns denial into acceptance, chaos to order, confusion to clarity.  It can turn a meal into a feast, a house into a home, a stranger into a friend.  Gratitude makes sense of our past, brings peace for today and creates a vision for tomorrow.  ~Melody Beattie Happy Thanksgiving! … (2 comments)

san francisco: Housing Resources in San Francisco Bay Area/ Penisula - San Mateo County - 07/22/11 06:44 PM
Housing Resources in San Francisco Bay Area/ Penisula - San Mateo County
Later this afternoon while I was browsing the Internet, I found a website that offers tons of information about different housing resources in the San Francisco Bay Area for  tenant, homeless and low-income families, including information for families buying their first homes. Every one of us has something in common, that is the need for shelter. We cannot ignore this need and it is persistently on our minds. Below is a list of organizations that offer information for tenant, homeless and low-income families interested in buying their first home.
(1 comments)

san francisco: Dancing on the Streets of San Francisco at the Salsa Festival on Fillmore - 07/06/11 05:38 PM
Dancing on the Streets of San Francisco at the Salsa Festival on Fillmore On July 15 and 16, 2011 San Francisco is celebrating the Salsa Festival on Fillmore. This is a Two Night event of FREE Salsa Dancing at the Fillmore Center Plaza.
The festival starts at 7pm with a free live concert and salsa lesson on Friday July 15 and Saturday July 16. The Salsa lesson starts @ 7pm until 7:30pm. The festival takes place at the Fillmore Center Plaza corner of Fillmore St  and O'Farrell St.
 
Live Salsa Bands:, Advance, Los Boleros, Mazacote, Gary Flores, and more…. … (2 comments)

san francisco: San Francisco Ca-389 Baltimore Way~Open House Sunday 6/27/10 2-4 pm - 03/05/10 08:26 PM
San Francisco California, Welcome to 389 Baltimore Way, Price to sell, Warm and cozy home!  


 
Price to sell, Warm and cozy San Francisco detached single family home . This well kept home offers two stories with 3 bedroom 1 bath upstairs including cozy fireplace, hardwood floors, nearly remodeled kitchen with oak cabinets, marble floor and granite countertops, updated bath. Complete 1 bedroom 1 bath with spacious full kitchen in-law unit downstairs with separate entrance (W/O PERMIT) Double pane windows crown moldings, 2-car garage. Call for a private showing today  
Property Features • Single Family Property • … (2 comments)

san francisco: Short Sale with Wachovia Sharing the Experience - 11/30/09 07:22 PM

I am currently working on a short sale listing with Wachovia.  My client was having problems paying her mortgage and was already thee months later on her payments.
She had received a letter from Wachovia offering help if she wanted to do a short sale. Wachovia also offered to her 1% of the purchase price if she cooperates with the short sale.
I got the listing. I listed the property at a great price, set an offer date a week later, and got about 10 offers, some of them above asking.
I submitted the offer to Wachovia and the only document they requested was … (9 comments)

san francisco: The Long and The Short of It - 11/12/09 08:16 PM


1.  Borrowers can re-qualify for a Fannie Mae loan in only two (18 months to 2) years from the date of the short sale.
2.  A standard 1003 application does not ask nor address anything about a short sale.
3.  A short sale does not challenge most security clearances.
4.  A short sale will not challenge current employment or future employment.
5.  Short sale may affect your credit for a period of 12 to 18 months, but it will NOT be reported on your credit history as a short sale.
6.  Your credit score will be affected by as little … (5 comments)

san francisco: FREE Flu shot Clinics in San Francisco. - 10/30/09 10:57 AM
 
In San Francisco, the Department of Public Health will be providing free H1N1 flu vaccine to high-risk people.  Starting Day Thursday October 29th for three days at the following sites

 High-risk people
All children age 6 months through 18 yearspregnant women
Person age 50 years and older
Person who have chronic underlying medical conditions (such as asthma)
Residents of long-term care facilities
Health care personnel
Caregivers of children under 5 and adult 50 and older
 
For more information go to www.sfcdcp.org/flu, or call 311. The Department of Public Health has the H1N1 vaccine available for $15 at 101 … (0 comments)

san francisco: Three Reasons to buy your first home and Take advantage of the Tax Credit - 09/07/09 04:18 PM
Mayra is a license real estate agent, Foreclosure and Short Sale Specialist in San Mateo, San Francisco Bay Area, Santa Clara and Alameda County. If you would like information on current homes available for sale in San Francisco Bay Area or San Mateo, call Mayra at 650-996-8961 or email Mayra.espinosa@prurealty.com or you can visit her website. For all your real estate needs she can help you get started today.
To get FREE money: The $8,000.00 Tax credit available for first time homebuyers. That is a tax credit (FREE money) from the government, which you do not have to pay back, as … (6 comments)

san francisco: What documents do I need when doing loan Modification or Refinancing my home Loan? - 09/06/09 05:41 PM
 

It is very important to know what documentation are request by the banks when doing loan modification or refinancing; that way when you meet with your Real Estate Agent, Real Estate Lawyer or Loan officer they can collect all the information to expedite the process.  The people helping you have to prepare a package to send to the lender with the following document:
•  Pay stubs covering the most recent 2-month period and showing year-to-date earnings and deductions (computer-generated)
•  W-2s and Tax return for the most recent 2 years, if you have done your taxes, if you have … (1 comments)

 
Mayra Espinosa Realtor San Mateo Pacifica Homes, San Mateo County Real Estate | Buy | Sell | Invest (Mayra Espinosa Broker- Realtor | Call 650-996-8961)

Mayra Espinosa Realtor San Mateo Pacifica Homes

San Mateo County Real Estate | Buy | Sell | Invest

Pacifica, CA

More about me…

Mayra Espinosa Broker- Realtor | Call 650-996-8961

Address: Burlingame|San Mateo|San Francisco|Pacifica|Daly City|San Bruno|Brisbane|Half Moon Bay|Burlingame|Millbrae|San Carlos|, Redwood City|South San Francisco|Atherton|Menlo Park|Belmont|Palo Alto|Santa Clara|Fremont|Hayward|Newark|, Burlingame, CA, 94010

Office: (650) 996-8961

Mobile: (650) 996-8961

https://mayraespinosa.exprealty.com/


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