Character cannot be developed in ease and quiet. Only through experience of trial and suffering can the soul be strengthened, ambition inspired, and success achieved. — Helen Keller
The successful man is the average man, focused – UnknownThere is no chance, no fate, no destiny that can circumvent, hinder, or control the firm resolve of a determined soul
What is your Home Worth? FREE Quck OVER-THE-NET Home Evaluation Here in Sonoma County
Visit: www.SonomaCountyHomePricing.com
Confused by the numbers from Zillow.com? Then visit SonomaCountyHomePricing.com. Not just ready to have a Realtor visit your property but still want to get a good idea of your homes price? Then visit SonomaCountyHomePricing.com. You’ll get access to insider secrets and plenty of great reports. Free and NO Obligation!! Go to: SonomaCountyHomePricing.com and start the home selling process now.
Find Out What Homes In Your Neighborhood Are Selling For (Sonoma County)
This unique site can get you on a hot-list of properties in the Sonoma County area and beyond!
Get all the insider secrets to buying and selling Fixer Uppers in the NorthBay. Go to www.NorthBayFixerUppers.com This site, which offers content for buyers and sellers to navigate the current “transitional” real estate marketplace, allows you to enroll for a free list of all fixers in the NorthBay, with pictures, sent to your email address on any schedule you so desire. Plus get “insider” tips and many free reports. Go NOW to: NorthBayFixerUppers.com. You won’t be sorry you did!
Subject: REAL FRIEND TEST
A simple friend, when visiting, acts like a guest.
A real friend opens your refrigerator and helps himself (and doesn’t feel even the least bit weird shutting your ‘beer/Pepsi drawer’ with her foot!)
A simple friend has never seen you cry. A real friend has shoulders soggy from your tears
A simple friend doesn’t know your parents’ first names. A real friend has their phone numbers in his address book.
Almost better than a cup of coffee to get you started in the morning. Ya gotta luv ‘em! If you need a laugh, read through these Children’s Science Exam Answers.
These are real answers given by children.
Q: Name the four seasons.
A: Salt, pepper, mustard and vinegar.
Q: Explain one of the processes by which water can be made safe to drink.
A: Flirtation makes water safe to drink because it removes large pollutants like grit, sand, dead sheep and canoeists.
And it just get better! Read the rest of this entry »
The Source for Independent Real Estate Information is what www.IRED.com bills its mission statement. The International Real Estate Digest or IRED is a very interesting site. I think the price of admission (free!) is the International real estate directory. What to find that fixer upper farmhouse in the south of France? Need to convert your cheap $$$ into expensive Euros? They’ve got a currency converter on site plus an extensive array of properties to keep the real estate voyeur satisfied.
I give it 5 Smileys! ☺☺☺☺☺
Factoids As of August 31, 2006
Let’s keep things in perspective. The rates as quoted below are still spectacular! I’ve been in Sonoma County real estate for 28 years. I sold homes at 18.5% Interest rates!! Read the rest of this entry »
Could this be the culmination of our slumping real estate market? Consumers see a gloomy housing situation and it carries over to consumer confidence of the overall economy? Throw in a lack of adjustable rate mortgages which shuts out many future and prospective homebuyers and we get the Sellers feeling down and out? Read on! Read the rest of this entry »
C.A.R. reports sales decrease 29.9 percent in July, median price of a home in California at $567,360, up 5.1 percent from year ago
LOS ANGELES (Aug. 24) – Home sales decreased 29.9 percent in July in California compared with the same period a year ago, while the median price of an existing home increased 5.1 percent, the CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.) reported today. Read the rest of this entry »
The rates are below are from Rich Colenzo and Pete Phillippe of Countrywide Home Loans. Use them as a guide for your house hunting or to figure your real estate goals. If you’ve got questions please call Rich. He has promised me a no hassle experience which has no obligation on your part. But I reccomend him highly.
Conforming to $417,000 no points 80LTV impounds included 80 CLTV full doc 680 fico plus (Rates may change for stated, Non Owner,interest only,Higher CLTV,credit scores,no impounds)
3/1 arm 5.875 30 year fix 6.375
5/1 arm 6.0 15 year fix 6.125
7/1 arm 6.125 10/1 arm 6.25
Non Conforming Jumbo to $1,000,000 owner occuppied no points 80 CLTV impounds included full doc 700 fico (rates may change for stated,non owner, interest only, higher CLTV,credit scores,no impounds)
3/1 arm 6.0 15 & 30 year fix 6.5
5/1 arm 6.125 7/1 arm 6.25
10/1 arm 6.5
Rich Colenzo
Senior Home Loan Consultant
Direct 707 521-4419
Cell 707 888-2523
Toll free 800 675-9778
Fax 707 568-1321
500 Bicentennial Way
Suite 300
Santa Rosa, Ca 95403
Email: Richard_Colenzo@countrywide.com
“Handling all your mortgage needs Fast and Simple”
If you’re listening anywhere in the nation call 877-636-1350—We want to hear from you!”
