Posts Tagged ‘ramona real estate’

Happy New Year in 2013

December 28, 2012 Leave a comment
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

December 15, 2012 1 comment

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.


bus pic 2-2012


Regina Flores, ABR, RMS, SFR, SRS

REALTOR, Broker Associate

RE/Max Direct

Selling Your Home – Selling at a Loss

September 22, 2012 Leave a comment

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.

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

April 25, 2012 Leave a comment

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
RE/Max Direct, Ramona CA
Call : (760) 788-0721
CA DRE# 01297838
shop homes 24/7 on MLS at

Time may be running out for your short sale…Mortgage Forgiveness Act runs out Dec 2012

February 5, 2012 1 comment

The Mortgage Forgiveness Debt Relief Act is only applicable through December 31, 2012. You need to act quickly in order to take advantage of this opportunity. Call Today 760.788.0721.

Avoid Foreclosure in a Short Sale

February 2, 2011 Leave a comment

Happy Holidays

December 4, 2010 Leave a comment

Our entire team sends you the warmest of holiday greetings this season and all best wishes for a blessed 2011.

We are grateful for another successful year of helping our clients here in San Diego. It is an honor to serve our clients and to help maintain the high standards for the Real Estate Industry. We look forward to a strong year ahead in 2011.

Each of us should make this holiday season a time of peace and celebration with our families and friends. Let us also celebrate and give thanks for the many blessings we have received, and share with those who might need our help.
All the best,
Regina Flores Team of Professionals