CARDINAL NEWMAN FALLS SHORT
December 8th, 2007 . by JoetheSportsGuySAN RAMON VALLEY 38 CARDINAL NEWMAN 28
San Ramon Valley rallies from 21-7 deficit and wins North Coast Section Championship.
Alicia Hodenfield’s Interest Rate Update: Friday, December 7, 2007.
December 7th, 2007 . by Mike KellyRates as of 12/7/07
The 30 year fixed conforming rate dipped below 6% this week and are now back at 6.125% and no points – still very good! If you had been working with Alicia she could have locked you IN to a sub-5% interest rate!! Ask me about My Community, Home Possible and other programs that offer 100% financing options!
Today’s rates quoted are a small sample of current rates – all quoted without points- call me about rates with point(s), different loan products and requirements! (707) 284-2718
Conforming fully amortized interest only
30 year fixed 6.125% 6.375% Read the rest of this entry »
More on the Presidential Loan Re-set Freeze Program.
December 7th, 2007 . by Mike KellyThe only issue we have is WHO owns these loans. You say the “banks” but they are the “servicers” no doubt of most of these loans. So who do we really ding? Most of these homeowners actually think they have the “teaser” rate AS their rate and have no idea what a “neg-am” loan does to their initial balance. They are defaulting on the TEASER RATES!! What is the end result desired in Bush’s Plan? To gradually have folks loose their homes instead of a massive implosion?
The sad thing is I still have lender’s approaching me with their “option ARM” and “neg-am” loans and unbelievably using 2% appreciation a year for the next 5 years to justify a neg-am loan!! Amazing!
The New Bush Proposal–NOT A LAW!! Methadon for the housing market?
December 7th, 2007 . by Mike Kelly“Hi, I’m from the government and I’m here to help!” Yes, I guess ANY action by the government might be a breath of fresh air but the reality will no doubt be disappointing. Since most of the loans are being “serviced” WHO is going to freeze the rate hikes? If Countrywide or any mega lender decides to NOT raise the re-cast rate what does the investor who purchased these loans do for recourse? Read the rest of this entry »
NFL PICKS WEEK 14…
December 6th, 2007 . by JoetheSportsGuyAnd down the stretch we come. Read the rest of this entry »
CARDINAL NEWMAN GOES FOR THIRD STRAIGHT NORTH COAST SECTION CHAMPIONSHIP
December 5th, 2007 . by JoetheSportsGuyCARDINAL NEWMAN (11-1-1) VS SAN RAMON VALLEY (11-1-1)
SATURDAY AFTERNOON 3:45 PM AT THE MACAFEE COLISEUM IN OAKLAND Read the rest of this entry »
Free Downpayment Money!! Check out the DPA program from Wachovia
December 3rd, 2007 . by Mike KellyHere’s some essentials to the DPA (Down Payment Assistance) Program which Wachovia has money to fund.
The amount is $25,000 which is FREE!! NO PAYBACK REQUIRED!! (for counties: Marin, Contra costa, Alameda, Solano, Sonoma, and Santa Clara–$20,000 for Napa & Merced). Please read more about this terrific program and to get contact information. Read the rest of this entry »
Solar Orientation–Some helpful sites to check out for those considering the Sun for Energy!
December 3rd, 2007 . by Mike KellyFind below a link which will take you to a sun angle calculator giving you a basic understanding of how to site your home on uour existing home or if you are considering a new home construction on bare land. I’d invest in a good compass. I have compasses on hand as I show country property and acreage and this question always comes up. If you google Solar Orientation you’ll get a wealth of information. We are coming into the golden age of solar, passive solar designs. Just north of my county we have one of the largest daily solar application villages in “Hopland,Mendocino County, California”. They have alternative energy applications galore!
Here’s a solar calculator explanation:
http://www.pilkington.com/resources/pilkingtonsunanglecalculatormanual.pdf
Here’s a link to “Real Goods” in Hopland, California:
http://www.realgoodssolar.com/?gcid=S30908×001&keyword=hopland%20solar
“Open House” Tales from the Trenches! Two Stories of what can and WILL go wrong!
December 3rd, 2007 . by Mike KellyI was mentoring a new agent and she asked if she could do an open house for me. I gave her an address of a property which I had just listed. I told her it wouldn’t have a sign up when she did the open house but to take my Open House signs. I talked to her after the open house and she said the same thing you did. When she got there she couldn’t even find the lockbox, she got via a slider off the backyard and when she entered the house she almost fainted! It was an absolute disaster! Read the rest of this entry »
Open House Today! 1 to 4pm, December 2nd Come by and visit at: 2336 Mirage Court, Santa Rosa $589,500
December 2nd, 2007 . by Mike KellyCome by and visit me at 2336 Mirage Court in Santa Rosa. Take Piner road to Peterson Lane (north), then left on Redoak to Mirage Court. Look for my bright Red Keller Williams Realty signs!! This home is a stunning, 2 story, 2360square foot home contractor built with many, many custom features. Read the rest of this entry »
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