Real Estate San Diego

SHORT SALES-8 Reasons to

san diego — Thu, 02 Oct 2008 11:02:05 +0000

SHORT SALES-8 Reasons to stay away from them
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Short Sales – 8 Reasons to stay away from them

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SELL YOUR HOME FASTER and for More Money! (San Diego County)

When there are more sellers out there than buyers, like it is today in San Diego and Southern California, properly preparing your home to sell is crucial, and can save you months of time and thousands of dollars. Coleen Choisser, owner of Anna Rode' Designs is one of the most active and respected interior designers in San Diego county. For a flat $300 fee (slightly more for large homes), she can help you sell your home faster and for more money. (Visit http://www.AnnaRodeDesigns.com for more information, Coleen's portfolio, and hundreds of great design ideas!)

Typically, buyers are given a list of homes to preview by their realtors. They must quickly prune the list down to the top three or four to visit again. To shorten the list, they start by looking for reasons to eliminate your home!

Not only do you want a second visit, you first need a first visit. Many homes have so little curb appeal that the car never stops moving. Good-bye, buyer!

But what should you do? Where do you start? Are the colors OK? Do I have too much furniture? Not enough? Won't the buyer see past the problems? NO! Can't I offer a little price discount so the buyer can fix it up himself? NO! Is the house empty? See our Staging page at http://www.annarodedesigns.com/staging.htm!

Today, home sellers have to spend money to make money. Ask any experienced realtor. Coleen helps dozens of them move houses quicker, and for more money. But which investments make sense? What if you can only afford a small amount?

At least spend $300 (larger homes are slightly more) to have Coleen come out and make recommendations to you. Then you can follow her guidance as far as your budget allows. Maybe you can at least take the paint numbers to Home Depot and buy some paint and a roller. She won't recommend anything that won't help sell your house sooner, and for more money. Remember, time on the market translates into money, too!

She will start at the curb and work her way around and through the house. Her checklist is made up of things large and small that will save you many times her fee. Then you go through the list and do what you can afford. You'll be glad you did.

After too long on the market, the bottom feeders and investors start showing up, and they won't offer anything near your asking price. From there it's all downhill.

Don't let that happen! Coleen will give you a list of chores to do, including details like paint colors, what to do about clutter (eliminate it), where cleaning and repairs are optional and where they are mandatory, and how to get the most bang for the bucks. Realize that your home is full of things you love and are accustomed to, so you can't be objective. Coleen can, and you would be wise to follow her advice. The stuffed grizzly bear you brought back from Alaska impressed your friends, but now it has to go. Get a head start on packing for your move to your new house.

If you can't or don't want to do the work yourself, Coleen will recommend handymen, craftsmen, and contractors that she has known and trusted for years. If you like their quotes, use them. Or compare their quotes against your own workers. Either way, you should get as much done as possible before you list your house.

If your house is already on the market, have Coleen come over ASAP. If it has gone too far, you might need to take it off the market temporarily, fix it up, and then start again. Your home is probably one of your biggest investments. So treat it that way!

Services we offer: Interior design, interior decorating, new construction or remodels, room design, furniture selection and placement, accessory and art selection and placement, home staging, kitchen design, paint selection and color consulting, painting, faux painting, murals, floor coverings, tile, marble, travertine, wood floors, carpet, custom area rugs, lighting, window coverings, shades, blinds, curtains, custom draperies and valances, verticals, kitchen remodels, bath remodels, granite selection, stone and ceramic tile, exterior design, environmental design, brush and fire management, landscape design.

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The Down Payment Makes a Comeback (San Diego County)
Over the past 18 months, the mortgage market has changed more rapidly than in any comparable period since the Great Depression, a reality not lost on real estate salespeople. Two changes are of paramount importance. The first is an increase in day-to-day price volatility. The second is a tightening of underwriting requirements, with higher down payment requirements the centerpiece. Both affect Realtors.

Underwriting requirements are the rules lenders impose to assure that loans will be paid off, and the down payment has always been the most important of them. The down payment is the difference between the lower of the sale price or property appraisal and the amount of the mortgage loan secured by the property.

Getting Equity

One reason the down payment is so important is that it is the single most vital factor affecting loss to the lender. The down payment is a buffer against lender loss in the event of a foreclosure. For example, if foreclosure costs are 20 percent of value and property value does not change, a 20 percent down payment fully protects a foreclosing lender against loss, but a 10 percent down payment provides only partial protection.

Perhaps even more important, borrowers who get into payment difficulties but have equity in their properties usually will sell to avoid foreclosure. By selling, they realize the equity themselves, whereas if they allow the property to go to foreclosure the equity will be partially or wholly depleted by foreclosure costs. Their selling avoids the foreclosure.

Having Budgetary Discipline

There is still another reason why lenders attach so much importance to the down payment. Borrowers who have been able to save the funds for a down payment are less likely to get into payment troubles later on. Saving for a down payment requires budgetary discipline, repaying a mortgage also requires budgetary discipline, and the one carries over to the other. Of course, this assumes that the down payment is saved, not borrowed. Underwriters look for evidence that the funds committed to down payment are the borrower's own.

When a house is purchased, the owner's equity is the down payment, but as time passes the equity is affected by two other things. One is any change in the loan balance. If the mortgage is fully amortizing, then the mortgage payment includes a principal component which reduces the loan balance. If the required payment is interest-only, and the borrower does not add anything to the payment, the loan balance will not change. And if it is a negative amortization loan, the balance will increase rather than decrease, and homeowner equity will decline.

Homeowner equity is also affected by changes in house prices, which can be sizeable. During 2000-2006, house prices in some metropolitan areas rose by more than 20 percent a year. If a home buyer puts nothing down and there is a 20 percent appreciation in his home value over a year, he has as much equity in his property as a buyer who put 20 percent down in a stable market.

Zero-Down in the Go-Go Period

It is hardly surprising that house price inflation during the go-go period resulted in a drastic weakening of underwriting requirements in general—and down payment requirements in particular. Zero-down loans became increasingly common during this period.

When the market turned and home prices began to decline in late 2006 and 2007, down payment requirements had to be drastically revamped. Just as rising prices generate homeowner equity, falling prices destroy it. There are no zero-down loans anymore, except the VA loan for veterans. FHA loans remain available at 3 percent down, but conventional loans now generally require 10 percent down, and in some areas it is even higher. On top of this, lenders now want most borrowers to have really good credit scores and to fully document their incomes.

It easily could be worse, and without the federal agencies (FHA, Fannie Mae, and Freddie Mac), it surely would be. Nobody is forecasting a quick end of house price declines, so down payments of 3 percent to 10 percent don't look like a lot of protection against future losses. Any loan today that is untouched by one of the federal agencies will have a required down payment larger than 10 percent.

Feel free to give us a call if you need help either to modify your current mortgage or to buy or sell your home.

Michael Gauthier
Re/Max Associates
5005 Texas St. #400
San Diego, CA 92108
619-725-2645 – Office
619-299-9280 – Fax
michaelgauthierrealtor@hotmail.com
http://www.sandiegohomesell.com

Foreclosure Homes for Half

san diego — Mon, 29 Sep 2008 11:02:03 +0000

Foreclosure Homes for Half Price
Search our California database to gain access to bank foreclosure listings, trustee sales, auctions, exclusive pre-foreclosure properties and purchase your next Real Estate foreclosure home or REO investment property from up to 20-50 percent below market rates.Thank you so much for your assistance. ...

San Marcos, CA Exquisite Estate Magnificent .62 acre
Exquisite Estate Home Seller will entertain offers between $879,900 and $959,900 on this unique single-story ranch-style estate home. Magnificent .62 acre acre view lot with panoramic sunset views. Three bedrooms plus an executive office. Top-quality features throughout including maple hardwood floors and a gourmet kitchen with granite counters. The spectacular …

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HIGHLY SKILLED CARPENTER AVAILABLE-REASONABLE

san diego — Sat, 27 Sep 2008 11:02:11 +0000

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There is a simple way out (County Wide)
Yes – you do have a simple way out of that mortgage debt prison…The answer is to sell your house. We STILL Buy Houses! We have money to buy properties. We will deal with the banks and make it a Win-Win-Win Situation.Not sure what to do next? Call us. We are Short Sale Specialists, and we've "got you covered". Let us explain to you how easy it is to get the bank off your back.

Rich Worcester
78Homes.com
Geneva Real Estate and Investments
CA DRE # 01849379
Phone 760.809.4666
email: Rich@78Homes.com

Free Home Buyers and Investment Seminar (Kearny Mesa)

Description

In this class you will learn:
-The Home Buying Process and Steps
-Escrow Process (What is Escrow?)
-How to Select the Right Mortgage Loan
-Can you Qualify for a Home Loan?
-How Does a Lender Look at Your Credit Report?
-What is a Bank Owned (Foreclosure) Listing and what are the Advantages and Disadvantages of Purchasing One?
-What is a ShortSale?
-What are the Current Real Estate Market Conditions in San Diego?
-Answer Questions for all of your Long Term Investment Goals. All attendees will receive a copy of the informative booklet "The Hidden Escape Hatch in 401(k) Plans".

Please RSVP as space is limited to kensmithrealestate@gmail.com. You will receive a confirmation email w/ the address and directions to the location.

Profile

Start Date and Time:	Tue, Oct 07, 2008 06:30 PM - 07:30 PM PDT
Organizer:	Kenny Smith

Location

San Diego CA 92117

vFlyer Id: 1755093

Horth Park Condo delightful

san diego — Thu, 25 Sep 2008 11:02:04 +0000

Horth Park Condo delightful single story
This delightful single story condo is located in the well renowned North Park district. The home features 2 bedrooms, 2 full baths with newer tile flooring, a formal living and dining area, fireplace in the living room with French doors that lead to one of two patio areas perfect for …

Charming Home in Allied Gardens
This charming home is full of tasteful upgrades, neutral décor, loads of curb appeal, and the pride of ownership throughout is obvious. Seller added additional room to the master bedroom to allow for a full sized master bathroom with dual sinks, bathtub, shower, and lots of beautiful tile work on …

Real Estate With No Credit Checks!
May I be very straightforward with you about something? Would you spend hundreds… even thousands of dollars on a needlessly long course that teaches you how get your hands on these “fixer-uppers” for “zero down,” when you can make so much more money in less time buying and selling beautiful …

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This is the time

san diego — Mon, 22 Sep 2008 11:02:04 +0000

This is the time to SAVE..On your Rain Gutter install…
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Mount Hope Area Detached

san diego — Sat, 20 Sep 2008 11:02:50 +0000

Mount Hope Area Detached Home $159,900 1/27 11:09P
Address: 749 40th St, San Diego, CA 92102, MLS: 086007021 , Bedrooms: 1, Bathrooms: 1.00 , Building Size: 820 sqft, Year Built: 1949, Listing Courtesy of: San Diego, CA MLS / Pacific Western Realty

San Diego Area Detached Home $215,000 9/18 6:50P
Address: 3077 Don Pancho, San Diego, CA 92173, MLS: 080055781 , Bedrooms: 4, Bathrooms: 2.00 , Building Size: 1,238 sqft, Year Built: 1977, Listing Courtesy of: San Diego, CA MLS / Keller Williams Realty

Victory Manor Area Detached Home $89,000 7/10 2:39P
Address: 5589 Market Street, San Diego, CA 92114, MLS: 080042158 , Bedrooms: 2, Bathrooms: 1.00 , Building Size: 896 sqft, Year Built: 1962, Listing Courtesy of: San Diego, CA MLS / Realty World Pacific

Foreclosure Homes for Half

san diego — Thu, 18 Sep 2008 11:02:02 +0000

Foreclosure Homes for Half Price
Search our California database to gain access to bank foreclosure listings, trustee sales, auctions, exclusive pre-foreclosure properties and purchase your next Real Estate foreclosure home or REO investment property from up to 20-50 percent below market rates.Thank you so much for your assistance. ...

Exquisite Home tucked away in a quiet neighborhood
This 3 bedroom, 2 baths home has a delightful layout. The second you drive up to the property you can fell the pride of ownership glowing through the curb appeal. Once you walk into the home you will see that it continues through the entire property. Gleaming …

Charming Home in Allied Gardens
This charming home is full of tasteful upgrades, neutral décor, loads of curb appeal, and the pride of ownership throughout is obvious. Seller added additional room to the master bedroom to allow for a full sized master bathroom with dual sinks, bathtub, shower, and lots of beautiful tile work on …

Belleza, Near-New Home in Gated Community!
Subdivision: Belleza, Near-New Home in Gated Community! Seller will entertain offers between $539,900 and $569,900 on this nearly-new immaculate home in the gated community of Belleza. Downstairs Den/Office could be a 4th bedroom. Large kitchen with Center Island and Corian counters opens to Family Room with Fireplace and built-in …