In Real Estate..it’s Time!

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I have heard many say “I need to buy now because the Medium Home Price is up” now this is true but what could make that decision more urgent is rates are climbing and that will put you at even a larger disadvantage if you wait. Call me today to get started on your home buying journey. If your a homeowner.. Are you aware you might have equity now! Crazy thought but it is so True! It is a great time to step up to a larger home!

http://www.mortgagenewsdaily.com/05232013_new_home_sales.asp

As Rates and home values rise. What you qualify for is declining. Waiting could be a very costly move..

Just Listed by Castle Real Estate $264,900 in Oakdale CA

As the market is so demanding for buyers today.. Getting in Quick and having a Realtor that will work hard for you is so important.. Here is a beautiful new listing that was just listed by Castle Real Estate.. Call me today or fill out the Contact Form to get in ASAP..  call me today at 209-652-2257  This home just went on the MLS and is located at  1401 Greenhaven Dr. in Oakdale for $264,900.00g1g2 g3 g4 g5 g6 g7 g8 g9 g10 g11 g12 SACMClientFull

Inventory is on the rise..

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Each morning as I wake up, the first thing I do is reach for my phone.. I know its probably not the best thing to do and possibly even suspect to why my eye sight is getting so bad..

But the most Noticeable thing I read each morning are my auto prospecting emails and how much it is clear the inventory is increasing. Most of the new listings are investors flipping what was once delapatepted home and sprucing it up to be move in ready.. Now that being said I have been showing property like crazy, and the one thing about being a general contractors wife is all that “Shines” does not meet code. So my advice to all buyers is no matter how “Dolled Up” the home looks, it is even more imperative to do your inspections.. But that being said there are plenty of investors doing quality work and “Now” is the time to buy.. For the average cost of rent in the Central Valley you can with 0 to 3.5 percent down get yourself into a home where your cost of ownership will end up at or less then what you are paying on rent each month.. Click Here for a rent verses buy calculator.

So if your on the fence, my best advice is “now is the time..” Do it now while you have choices and features to pick through.. Finding that perfect house is so becoming a reality thanks to “Great Quality Flips”

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The Big Night came and went.. Will there be change?

The big Night has come and gone.. Today’s social media has been filled with comments of excitement and disappointment.. What I find most interesting this time around is how evenly divided the Nation is… For me I am a True believer of “If it isn’t broke, don’t fix it” but I think we can all agree on this one thing.. Our Nation is Broke.. Was Romney what we need to fix it.. Well we will never know that answer… What I do know is that Mr. Obama, You may be the head of the white house.. but you are not in control of my house.. We will continue to persevere, even though with what this Real Estate and Contractor household has endured over the past 5 years would have shut many households down.. We will continue to continue and do the best we can…Am I nervous.. Yes I am.. Do I have my moments of losing faith.. yep, I am human just like all of you out there… What I know is all I have is me to make a difference… I will continue to do my best to do just that…

I will wake up every morning and remind myself.. ” I am unsinkable”  I Challenge each and every one of you to do the same… Be unsinkable…

If you have always been the one that held your head high.. No Matter what your day faced.. That could lead to feeling so alone.. You are the strong one who never needs help or words of encouragement… but continue to encourage yourself.. you will get there.. Things will get better ❤

And always remember the words from the picture below…

Get cash to sell the home you can’t afford…

Since the beginning of the housing crisis, millions of homeowners have found themselves pinned in by their financial circumstances and chained to a mortgage on which they owe more than their home is worth. In the past, homeowners enduring these challenges had very few options, and most would be forced to lose their home to foreclosure.

Today, however, there are more options. The government and the banks have created a multitude of programs and foreclosure alternatives that can help people in these circumstances find a dignified solution for their problems without crippling their financial future. These options include loan modifications, refinancing, or short sales.

The most amazing development in today’s market, however, is one simple fact: Banks are now willing to give cash to homeowners to sell the home they can’t afford.

Please contact me today if you or someone you know could use my help and wants the latest information about current incentives available to distressed homeowners.

Kathy Rodriguez

209-652-2257

WorkWithKathy@gmail.com or www.DontForeclose.net

Escape Your Unmanageable Mortgage: Getting free doesn’t have to mean running away.

Perhaps you have heard about it.

On the news, a reporter tells a story about how the housing crisis has caused some homeowners to simply walk away from their homes. It sounds crazy, but many people are being led to believe that walking away from their home is a good (or even the best!) option.

It is called Strategic Default. For distressed homeowners who believe that they have no good choices left, the idea of walking away free of consequence may sound like a relief. The reality, however, is that choosing strategic default has serious repercussions on your credit.

THERE ARE BETTER OPTIONS AVAILABLE!

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, my mission is to provide financially-challenged homeowners with options to escape from unmanageable mortgages without running away.

Facing your problems head-on is always the best solution. Let me help.

Kathy Rodriguez
209-652-2257

Solving Your Mortgage Crisis Just Got Easier

5 Steps for a Successful Short Sale

Lenders and the federal government, prompted by the sheer volume of loan modification and short sale requests, have overhauled their systems and programs, making the foreclosure avoidance process much easier than in the past.
If you are considering short selling your home to avoid the financial and emotional fallout of foreclosure, you should be aware of the five steps you should take to increase your chances of a successful transaction.

First, do you qualify?
You must:
1.    Have a verifiable hardship, like unemployment, medical bills, or relocation
2.    Must have a monthly income shortfall
3.    Be insolvent (you have no cash or assets that can be sold to pay down the mortgage), or headed towards insolvency

If you meet these qualifications, follow these five steps to a successful short sale:
1.    Contact me so we can identify your servicer, fill out a short sale packet for the lender, and assemble all the required information needed to list your home for sale
2.    Gather financial information (i.e., bank statements, pay stubs) from at least the last three months
3.    Keep your house in showcase condition for showings, and make as many repairs as necessary and that you can afford
4.    Expect the lender, junior lien holders, and private insurance companies to request more paperwork, and try to gather requested information quickly to ensure transaction efficiency
5.    Set realistic expectations and work with me, the lender, and the buyer to the satisfaction and benefit of all parties involved

For more information about how the short sale process works, or about any other foreclosure alternatives you may qualify for, call me today. I can help you alleviate the burden that the threat of foreclosure brings, and we can develop a strategy to help you breathe a little easier.

IMPORTANT GOVERNMENT DISCLOSURE: You may stop doing business with us at any time. You may accept or reject the offer of mortgage assistance we obtain from your lender (or servicer). If you reject the offer, you will not have to pay us for our services. The above brokerage is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan.  More information can be found at www.DontForeclose.net