How to Avoid a stressful move

Reblogged from Relocating to Ramona CA by Regina Flores: #(760) 788-0721:

Read Helpul hints to keep stress levels down during the move.

Stats & Trends on Foreclosures & Bank Owned homes

For the latest Stats and Trends on the ever changing Foreclosure Market click here. Or call Regina for a list of these homes near you.

Happy New Year in 2013

Happy New Year in 2013

 

“We will open the book. Its pages are blank. We are going to put words on them ourselves. The book is called Opportunity and its first chapter is New Year’s Day.”
― Edith Lovejoy Pierce

 

Always choose a Professional REALTOR to sell your home

Whether you are selling your home as a short sale or standard traditional sale with equity, it is important to choose wisely when hiring a Real Estate Professional. Check credentials and experience first.  It could save you headaches and money later.

CLICK HERE FOR REGINA’S BIO AND CREDENTIALS

 

Regina Flores, ABR, RMS, SFR, SRS

REALTOR, Broker Associate

RE/Max Direct

Selling Your Home – Selling at a Loss

Selling Your Home – Selling at a Loss Can a home seller sell a home for less than its mortgage? Yes, in some case you can sell your home for less than what you still owe on the mortgage. But it is complicated and depends on the lender. This situation is known as a “short sale.” Sometimes a lender will be willing to split the difference between the sale price and loan amount, which still must be paid. A short sale may be more complicated if the loan has been sold to the secondary market because then the lender will have to get permission from Freddie Mac, the two major secondary-market players. If the loan was a low down payment mortgage with private mortgage insurance, then the lender also must involve the mortgage insurance company that insured the low-down loan. When does foreclosure begin? Lenders will initiate foreclosure proceedings when homeowners become delinquent in their mortgage obligations, usually after three payments are missed. The lender will then notify the buyer in writing that he or she is in default. The lender can request a trustee’s sale or a judicial foreclosure, in which the property is sold at public auction. A borrower can cure the default by paying the overdue amount and the pending payment after the notice of default is recorded, usually no later than a few days before the property’s sale. Some sales allow the successful bidder to take possession immediately. If the former owner refuses to vacate the premises, the court can issue an unlawful detainer that allows the sheriff to come out and evict them. Borrowers should do everything they can to avoid foreclosure, which is one of the most damaging events that can occur in an individual’s credit history.

Do you need to Short Sale your home? HAFA offers $3,000 back

There are other benefits to the HAFA- Home Affordability Program.

CLICK HERE FOR ALL THE DETAILS & SEE IF YOU QUALIFY

OR CALL REGINA TODAY FOR DETAILS AT #760.788.0721

Regina Flores, SFR

Just Listed! 5.8 Acres Land in Ramona with Amazing Views! Only $99,700!

Awesome Views from this lot! Amazing Price for what you get:

• Well on Property
• Level to slight slope, perfect for Horses, Animals & grape vineyards
• Creek on property
• Tentative Map for Rd in final stages
• Power to property

What more could you ask for! Hurry this one won’t last. Don’t let this dream pass you by.
Call Regina today at: #760-788-0721.
REGINA FLORES…for all your real estate needs
BROKER ASSOCIATE, REALTOR, ABR, RMS,SFR, SRS
RE/Max Direct, Ramona CA
Call : (760) 788-0721
CA DRE# 01297838
shop homes 24/7 on MLS at http://www.reginaflores.com