Upside Down Home Cures

Open House 5-14 11-2PM

Quick Links Roseville Homes For Sale Free List of Foreclosed Homes For Sale Granite Bay Homes For Sale Rocklin Homes for Sale See Property Details Call: 916-759-2147 for more information on this or any other property. Information valid for the date of this posting only. Please contact us for the most current information and status of this property. Visit Property Website Remodeled Contemporary Designer Home. Open floor plan gives you a loft feel. Built in Stainless Steel Appliances -Bullham Eureopean Design Kitchen. Wine refrigerator, freezers drawers, and lots of counter and pantry space. Windows encase entire back wall with views of falgstone decking, lap pool and gas fire pit. Ironwood fencing and bamboo plants showcase this backyard that backs up to greenbelt. What else can you ask for. A perfect one of a kind home for buyers who want high style, easy to care for, yet a very functional home to relax in. This will go FAST. Open house set for May 14th 11 AM to 2 PM Call for more details. 3204 Halverson Way, Roseville, CA 95661 3 Bedrooms Bathrooms : 2 Full List Price : Get Current Price Living Area Approx : 1921 I want to see this property. Courtesy : Kathy Dyer kathy@hometeamgirls.com 916-759-2147

DRE LicenseKathy Dyer #01723710 Christine Sturgis #01232805 Licensed In California Copyright 2000-2011 Keller Williams ® Realty. - a real estate franchise company. All information provided is deemed reliable but is not guaranteed and should be independently verified. Properties subject to prior sale or rental. Government Disclosure: The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice. It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner. 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.

Listing data of Kathy Dyer Agent from MLS is deemed reliable, but not guaranteed and is made available for personal and non-commercial use.

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Chase Bank is Giving Delinquent Home Owners 30,000 to Short Sale their Home!

I got a call from a client of mine that received letter in the mail from her bank which is Chase. They have been unsuccessfully trying to do a loan mod for over 1 year now to no avail. They called me to see if this was a scam. I told them I have read about this short sale program and it is for real. It seems that Chase is offering this to people who have really bad loans, at least this is the case with our client. 

Our client's home is an investment property and as part of the conditions of the short sale, the bank is waiving all rights to go after any deficiencies. Sounds like a good deal doesn't it. We were told to list the property at fair market value and that we would get a fast approval.. We had an auction date early June which I was able to get postponed.

If anyone has a Chase loan and want to find out about this Chase short sale outreach program, give me a call to see if we can help you short sale your home.

We are Roseville area Short Sale Specialists ready to help anyone who is upside down on their property and can not afford to make payments anymore. Give Kathy Dyer a call at 916-759-2147, you are not alone. Kathy Dyer and Christine Sturgis has helped many people short sale their properties and get a clean start.

 

 

 

Who are the Voiceless Casualties of the Housing Crisis?

Have you ever asked the question, “what happens to the pets of people who are displaced from their homes?”  

As Realtors, Kathy Dyer and I are designated as Distressed Property Specialists. We have the privilege of helping people navigate through this difficult and declining housing market. Many people are losing their homes and having to find temporary housing or apartments. Others stay with family or friends until the dust settles. We understand what a difficult and stressful event this is in peoples lives. There is another population that is being displaced and we want to help as well.

It is a sad fact that people are having to make difficult and heartbreaking decisions about their pets. Kathy and I visited with the Staff at the Placer SPCA to see what we could do to help these displaced animals. We were so impressed and moved by the work that the SPCA is doing to help people and their pets. The SPCA is very sensitive to the needs of the animals who have lost their homes. They have programs that help with boarding expenses until the owners find housing. They also have loans and grants to help with pet deposits for apartments.

For assistance with pets and services for displaced families,  check out the SOS Program for help. Their goal is to keep people and their animals together whenever possible.

If you know anyone who is struggling to keep their beloved pets please share these links with them,  www.PLACERSPCA.org. Be sure to check out their many volunteer opportunities and community events and fund raisers. 

Kathy and I will be working with the Placer SPCA to help raise awareness about the services and needs of our voiceless, four legged friends. I am actually going through the orientation and classes to become a volunteer. There are so many different programs and volunteer projects you can become involved with. Everything from fostering puppies and kittens to adoption counseling to marketing and special events.

 Don’t  forget to visit the SPCA’s thrift shop right there on Washington Blvd! Please keep posted as we will be posting updates about the activities and events about the Placer SPCA!

Christine Sturgis Realtor

 

Important Government Notice:  Kathy Dyer, Christine Sturgis and Keller Williams Realty are not associated with the government or your lender.  Even if you accept this offer and use our service, your lender may not agree to change your loan.  If you stop paying your mortgage, you could lose your home and damage your credit.

ROSEVILLE SHORT SALE REALTOR CLOSES ANOTHER WELLS FARGO SHORT SALE

The Home Team Girls, Roseville Short Sale Realtor, closed another successful short sale in Roseville! We negotiated with Wells Fargo Bank to release the home owner from any future liabilities of deficiencies between what the bank got paid from the short sale and what was owed on the mortgage. 

It is important for Short Sale Realtors to successfully negotiate with the bank in order to acquire full release of all liabilities. That is why home owners who are upside down on their property to find an experienced short sale specialist to represent them on their short sale, find one that has been trained or certified plus has had success closing short sales. 

The market rules are changing all the time so it is imperative that your find a Realtor who is in the trenches learning the latest rules that apply to the latest short sale programs that help homeowners.

 

 

Make sure that you first check with a real estate attorney so they can advise you on any pit falls from a short sale versus a bank foreclosure.  In most cases, a short sale makes more sense.

Another resources you will need advise on is if you will have any tax consequences on completing a short sale. Again, most people do not have tax consequences, but every person has specific and unique situations that only a CPA can advise you on. 

If you need any referrals for Real Estate Attorney or a CPA that is experience in Short Sales, call a Short Sale Specialist in your area.

If you need a referral for a Certified Short Sale Realtor, I am part of a data base of associates that I can recommend to you. Give me a call.  Home owners who are upside down on their home and can not afford their payments any more are not alone.  If you know anyone who needs help keeping their home out of foreclosure, we're here to help. Give us a call.

 

                  

Since the beginning of the mortgage scandal, where most large banks allegedly processed hundreds of thousands of foreclosure documents improperly, Wells Fargo has maintained that its business practices have been in accordance with the law.

John Stumpf, Chairman and CEO of Wells Fargo, released the following statement: "We are confident that our practices, procedures and documentation for both foreclosures and mortgage securitizations are sound and accurate. For those reasons, we did not, and have no plans to, initiate a moratorium on foreclosures."  For more info go our website at Upside Down Home Cures.com .

What does this mean for a home owner that is behind on their Wells Fargo Mortgage?  If a foreclosure is looming on your horizon, the best solution best is to talk with an experienced short sale realtor. The Short Sale Realtor can recommend some alternatives to foreclosure and point you to professionals for advice on the possible tax ramifications or deficiencies comparing foreclosure to a short sale.

Roseville Short Sale Specialist- Who owns my mortgage?

Did you know your bank may not really own your loan or have a right to foreclose on your mortgage? Read below about information on how to find out who owns my mortgage.

This problem started a long time ago, when Wall Street banks grouped large numbers of loans together, sliced and diced them, and resold them.  They created an impossible situation to figure out who really owns the mortgage notes;   therefore the banks do not have the authority to foreclose on properties they do not own.  The big banks are being exposed after having thrown people out of their homes even though the bank did not have the mortgage note that proved they owned the loan. This situation has been taken to the courts for a solution. In some states, banks still have that right. It is still good to know who owns you note as it does help in the migagation when doing a short sale or a loan mod.

Whether you are facing foreclosure, can't make your next payment, are upside down on your property, need to do a short sale, or are just a concerned homeowner, it's important that you contact your bank and demand to see the original note on your mortgage. Click here for the whole story and free online tool on this who owns my mortgage website. www.WheresTheNote.com

BUYERS CAN QUALIFY FOR FHA LOAN AFTER 3 YEARS OF SHORT SALE

Fannie Mae announced today policy changes designed to encourage borrowers to work with their servicers and pursue alternatives to foreclosure.

Defaulting borrowers who walk-away and had the capacity to pay or did not complete a workout alternative in good faith will be ineligible for a new Fannie Mae-backed mortgage loan FHA Loan, for a period of seven years from the date of foreclosure.

"We're taking these steps to highlight the importance of working with your servicer," said Terence Edwards, executive vice president for credit portfolio management. "Walking away from a mortgage is bad for borrowers and bad for communities and our approach is meant to deter the disturbing trend toward strategic defaulting. On the flip side, borrowers facing hardship who make a good faith effort to resolve their situation with their servicer will preserve the option to be considered for a future Fannie Mae loan in a shorter period of time."

Fannie Mae will also take legal action to recoup the outstanding mortgage debt from borrowers who strategically default on their loans in jurisdictions that allow for deficiency judgments. In an announcement next month, the company will be instructing its servicers to monitor delinquent loans facing foreclosure and put forth recommendations for cases that warrant the pursuit of deficiency judgments.

If the workout loan modification is not a good solution for homeowners, then another solution would be for a short sale.   Three years after completing a short sale and repairing their credit, new home buyers can enter back into the housing market and qualify for an FHA loan.

 

 

 

ROSEVILLE SHORT SALE SPECIALIST CAN HELP IN FORECLOSURE AVOIDANCE

DATE: June 20, 2009

KATHY DYER REALTOR ROSEVILLE SHORT SALE SPECIALIST EARNS PRESTIGIOUS DESIGNATION

TO HELP HOMEOWNERS IN DANGER OF FORECLOSURE,Kathy Dyer of Keller Williams Realty Roseville, has earned the prestigious Certified Distressed Property Expert(CDPE) designation, having completed extensive training in foreclosure avoidance and short sales.

This is invaluable expertise to offer at a time when the area is ravaged by “distressed” homes in the foreclosure process. Short sales allow the cash-strapped seller to repay the mortgage at the price that the home sells for, even though it is lower than what is owed on the property. With plummeting property values, this can save many people from foreclosure and even bankruptcy.

More and more lenders are willing to consider short sales because they are much less costly than foreclosures. For more information and a free report about your options visit her Up Side Down Home Cures website.

In Roseville Ca area, more than 1,611 homes are in danger of foreclosing. It is happening in all price ranges. Local experts say that even high-priced homes are not immune.

 “This CDPE designation has been invaluable as I work with sellers and lenders on complicated short sales,” said Dyer. “It is so rewarding to be able to help Roseville sellers save their homes from foreclosure.” Alex Charfen, founder of the Distressed Property Institute in Boca Raton, Fla., said that Realtors® such as Kathy with the CDPE designation have valuable training in short sales that can offer the homeowner much better alternatives to foreclosure, which virtually destroys the credit rating. These experts also may better understand market conditions and can help sellers through the emotional experience, he said.                                                                                                                                           http://www.updisedownhomecures.com

The Distressed Property Institute opened in January 2008 and provides training on-site and online. The CDPE is the premier designation for Realtors helping homeowners in distress and handling short sales. “Our goal is to educate as many people as possible so we can help as many homeowners as possible,” Charfen said.

 

This issue Nov 6th 2008 of the Mortgage Update, It contains news and updates on the "Hope for Homeowners" program, and foreclosure assistance programs for borrowers with mortgages issued through IndyMac , JPMorgan Chase & Co., and Countrywide.

 MAKING SENSE OF THE STORY FOR CONSUMERS

 · Early projections indicate that only 20,000 troubled homeowners will apply for the "Hope for Homeowners" program, a considerable reduction from the previously estimated 400,000 homeowners who were expected to apply. The $300 billion program was launched Oct. 1 and is designed to help troubled homeowners rewrite a "risky" mortgage loan into a 30-year, fixed-rate loan with a lower interest rate. During the first two weeks of the program, the Federal Housing Administration, which oversees Hope for Homeowners, reported receiving only 42 applications. Some housing experts believe the low application rate is due to the program being voluntary for lenders and provisions requiring homeowners to agree to an equity share with the government.

 To read the full story, please click here:

http://www.latimes.com/business/la-fi-hope4-2008nov04,0,5527840.story

 

 

MORTGAGE RATES

· Interest rates continue to remain near their historic lows. Thirty-year, fixed-mortgage interest rates averaged 6.04 percent during September 2008, compared with 6.38 percent in September 2007, according to Freddie Mac.

· Adjustable-mortgage interest rates averaged 5.14 percent in September 2008, compared with 5.66 percent in September 2007.