Professors have the PH.D, Physicians have the M.D., and Realtors have the CRS. How can you tel if your real estate agent has the knowledge and experience you need? Look for the CRS Shield! This means your Realtor has earned the residential real estate industry’s most advanced “degree” CRS–It makes a difference!
As a CRS (Certified Residential Specialist) designee I have completed hours of advanced study in listing, selling, law, investment taxes and much more. Requirements to receive the CRS Designation guarantee that you are enlisting the help of a proven performer with years of experience (30 in Sonoma County!). Insist on the Best…Demand a CRS!!
Here are a few ways to buy a Home in today’s Real Estate Market: Bank owned or REO properties, Bank financing with REO purchase, Short-Sales, 20% Down conventional, 10% down conventional, Wrap around Mortgage or All inclusive Deed of Trust (AITD),Seller Financing/Carryback, total seller financing, Auction, FHA Loans, VA Loans, Chafa loans, ARM’s, Equity Share w/family member, Equity Share w/Investor client, Developer Financing, Silent Seconds, 30/3,30/5,30/7, 15 Year conventional, Jumbo loans, Seller Trade, FSBO, Tax Sale, Divorce Sale, Builder Auction, HUD sale, Lender Equity Shares, Personal Property Downpayment, Unsecured Note, plus all sorts of special programs for First Time Homebuyers, Police/fireman/Nurses, Special development Urban areas, and some I don’t even know about!!
Shark Alert!! Investor’s who offer to buy a home for you or a home FROM YOU (could be your own home now facing foreclosure) with the idea of letting you “lease-back” the property for a specified period of time with an enticement promising you either a “First right of refusal” or “Lease Option” with downpayment coming from your rent and usually being 50% of your rental payment. Problem is you’ll never get the opportunity to buy. Read the scenario from the link provided. Very Scary!!
Why the big difference in conforming and jumbo rates? Short answer: The greater the risk, the greater the rate will be charged.
Here’s one reason why jumbo loans are considered a greater risk.
Conforming loans are loans that meet the loan limit and lending terms for Fannie Mae and Freddie Mac. Read the rest of this entry »
HAPPY 2008! Great rates on the 30 year fixed not to mention a few others!
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 5.75% 6.00% This is a GREAT rate!! Sub 6%!!! Read the rest of this entry »
We now move into the best NFL of the season…playoff time. While the college games best time is the regular season…and then they throw us bones for games that have very little meaning. Read the rest of this entry »
I ALWAYS have a client write a description of their home and WHY they love living there. I usually add it to my marketing materials. However, I do edit the content if I feel it is inappropriate or opens the Seller to liability. I’ve had many Sellers state the home was “completely remodeled!” That is NEVER what they mean!! And in the greatest state of California you NEVER give a buyer an opening like that!! “Completely” is a pretty all encompassing word! Attorney’s love words like that! Read the rest of this entry »
Some one asked me recently about the phrase, “Priced to Sell” and how it irritated him. I responded to him in an email: “Why do you think real estate as an industry is not susceptible to advertising hyperbole? I’m sorry it annoys you but geez; if you post this much over such a hackneyed phrase then I don’t know how you get through an hour of television or radio. Are you totally media deprived?
I’m surprised you’ve just lighted on this phrase. I see many more which are MUCH more irritating. The classic to me is TLC. Read the rest of this entry »
Tax Law Changes for 2008 from my friend Pam Winterbauer–Obviously you should rely on your Tax Professional for any Tax Advice but this may provide you with some questions.
One of the questions that I am asked most frequently at the beginning of the year is “What tax changes have been made this year?” First, there really are not too many changes to report this year other than the usual increase in standard deduction rates and personal exemption amounts. There are however, a number of provisions in the tax code that would have expired had not congress voted to extend them. They are: Read the rest of this entry »
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