COTTONWOOD HOUSES - Federal Reserve Reports Principal Reduced Loan Mods Save Homes - COTTONWOOD HOMES FOR SALE                          A new study by the New York State Federal Reserve Bank reported that loan modifications that included principal reductions are: * Less likely to default. * More successful at reducing redefaults by reducing negative equity. * Providing greater incentive to remain current on the loan. Cottonwood Houses In addition the study found borrowers owing 15% or more over the value of their home were at a 51% higher risk of redefaulting. Cottonwood Houses If you are a borrower seeking assistance with a loan modification please contact us.  We will provide you with FREE INFORMATION and a list of resources. Buyers and Sellers Interested In Good News About Cottonwood... 01/07/2010

LAKE CALIFORNIA'S UNDER VALUED AMENITIES, COTTONWOOD CA HOMES FOR SALE I'm still amazed by the rich amenities of Lake California in Cottonwood California. Although our family has called Lake California home for over five years I'm still learning to appreciate all we have in our community. The list of amenities includes equestrian facility, community pool, 108 acre lake, direct boat launch access to the Sacramento River as well as the 3000' private airport. Generally buyers finding amenities on this level would expect to pay high prices for such homes. But in fact Lake California's Cottonwood CA Homes for sale are surprisingly reasonable.                     Buyers And Sellers Seeking Good News About Lake California, Cottonwood Homes For Sale Contact: Phone 530-347-6122                  ... 01/03/2010

Cottonwood CA Homes For Sale, LATEST ECONOMIC INDICATORS 2009, Cottonwood Houses   Statements from Under Secretary Rebecca Blank for the U.S. Commerce Department’s Bureau of Economic Analysis released the following reports: * Personal Income and Outlays in November 2009 * Gross domestic product (GDP) for the third quarter of 2009.                                                Economics & Statistics Administration                                                              PERSONAL: * Personal income rose 0.4 percent, * Real disposable personal income (DPI) increased 0.2 percent and nominal DPI increased 0.5%. * Real personal consumption expenditures (PCE) advanced 0.2 percent. * The saving rate in November was unchanged at 4.7 percent. * Consumer spending continues to expand in the fo... 01/01/2010

The Unfounded Fear Of The Shadowing Foreclosure Inventory, Cottonwood CA Homes For Sale Have you been hearing about the "shadow foreclosure inventory"? This is the foreclosure inventory that banks have seemingly not brought to the market place and it's possible impending impact on home prices. No one can precisely predict the direction of the present market, but we do have some indications.  In this article hopefully we can eliminate the fear some hold of the Shadowing Foreclosure Inventory and assist Buyers and Sellers to negotiate the present Cottonwood CA Homes For Sale market with some increased insight. A good explanation of FEAR comes to mind; it's false evidence appearing real.   The Visible And Invisible/ The Totals: This is the total unsold inventory which combines homes on the... 12/31/2009

 Cottonwood CA Homes For Sale- How To Miss Market Opportunity 2009-2010 - Cottonwood Houses Anyone who's paying attention knows the present real estate market is a unique Buyer's market. What are the primary factors that create this buyers market? * Reasonably priced inventory * Historically low interest rates * Federal Tax Credits of $6,500 to $8,000 The purpose of this article is to explain in 3 simple steps how to miss the opportunity to capitalize on this unique Buyer's Real Estate Market in Cottonwood Ca Homes For Sale                                                      1. MISS THE TAX CREDITS: Don't take steps now to insure you are in contract on your home by April 30, 2010. This has to be the home you move into by June 30, 2010. Note: It won't pay to fall out of contract after A... 12/28/2009

   REO / Foreclosures- Who Are The Real Buyers Anyway? Cottonwood CA Homes For Sale Interest in buying foreclosed homes has dipped among average buyers, a survey by Trulia.com and RealtyTrac shows:  Interest on the part of 43 % of average American buyers reveal they would consider purchasing a foreclosure. This Reflects a downward trend of 12% from May's survey results. Cottonwood CA Homes For Sale                                               BUYERS WHO WON'T BUY REO/FORECLOSURES CITIED: Hidden costs was the No. 1 reason cited for wariness toward buying a repo in the November survey, which was released this week, Risks and loss of value. BUYERS WHO WOULD BUY REO/FORECLOSURES WERE:   Investment property or second home buyers, 92% are at least somewhat likely to buy a foreclosure.  57% o... 12/26/2009

FAMOUS FAILURES, If You've Never Failed You've Never Lived   If you are defining success as never having failed it might pay for you to check this out.  It might also interest you to know some very famous people both past and present failed. But as one man puts it so well. "They failed forward".         For More Information on Buying or Selling Cottonwood Real Estate Contact: Phone: 530-347-6122                                                                   email: steve@chainrealestate.net SEARCH COTTONWOOD REAL ESTATE                                          SEARCH COTTONWOOD INFORMATION 12/20/2009

    Lake California's Under Valued Airport Amenities VI Cottonwood CA Homes For Sale Lake California a planned unit development in Northern California. The community is conveniently located between Red Bluff and Redding. We would like to showcase 1 of the very unique undervalued amenities of our community, the Lake California Airport. Lake California's Airpark provides a rare opportunity for pilots to own a home with direct airport access. Community CC&R's provide for homeowners to construct hangers adjacent to their homes. There are a limited number of vacant lots and homes still available for sale in the airpark.  The private airport is identified as 68CA and is available for the use of community property owners and their guests. The paved runway is 3000' in length and is equipped wit... 12/13/2009

Cottonwood CA Homes For Sale , SELLERS Want To Know / Where Do Buyers Find Homes?, Cottonwood CA Houses Have you wondered, where Buyers find their homes? Well, Buyers reported to the National Association of REALTORS® the following: * 34% find their home through their Real Estate Agent * 32% find their home through the Internet * 15% located their home through the Yard Sign * 7% through a Friend, Neighbor or Relative * 7% through a Home Builder * 3% through Print or Newspaper ad * 2% directly from Seller * 1% Home book or Magazine If you are a Seller seeking to sell your Cottonwood CA Homes For Sale we hope you find this information helpful. If you are in the market to buy or sell Cottonwood CA Homes For Sale please contact us for additional information:             Call 530-370-1818    ... 12/13/2009

Cottonwood Historic Community, Cottonwood CA Homes For Sale   Cottonwood CA is a community rich in history with it's roots in cattle and horse ranching.  Many years ago cattle were actually driven down Main Street.  While evidence of those roots still remain progress still continues to tug at the community.  Cottonwood supports numerous shops and services for the community. With quick access to Highway 5 access to the Redding metroplex is only 20 minutes away.  It is the ideal community for those seeking that just-right-feeling of the country with larger cities near by. Cottonwood CA Homes For Sale                                 For More Information call 530-347-6122                                 email steve@chainrealestate.net   SEARCH COTTONWOOD REAL ESTATE                         ... 12/11/2009

   Cottonwood CA Houses - Buyer's Agent - What Is A Buyer's Real Estate Agent? - Cottonwood CA Homes For Sale   Properties listed for sale with Real Estate Agents have a contractual relationship that establishes a fiduciary responsibility on behalf of the Seller. Before a Purchase Offer Agreement is created all Real Estate Agents are contractually obligated to the Seller to fulfill that fiduciary responsibility. A clear exception to this arrangement can be created through the completion of a Buyer Representative Agreement. Otherwise Buyers looking for a new home have no representation established until a purchase offer is made.                                                            Many Buyer's maybe unaware: This agreement adds NO ADDITIONAL COST to the purchase process. Buyers ess... 12/03/2009

  COTTONWOOD HOUSES - SHOULD I BUY vs RENT - COTTONWOOD CA HOMES FOR SALE The question often asked by first time buyers of Cottonwood homes for sale is should I buy or rent. It may seem a bit complicated. Well, we wanted to provide you with a quick and simple way to get a side by side comparison of your choices. Click HERE to use the BUY vs RENT calculator. You'll be able to input real time costs for both choices. We believe information provides our clients with the ability to make quality buying and selling decisions regarding Cottonwood CA homes for sale.                                                          For more information call 530-347-6122                                    email: steve@chainrealestate.net   SEARCH COTTONWOOD REAL ESTATE                                      ... 12/03/2009

  Cottonwood CA Homes For Sale, Building New Homes from $189.950 / $6,500 - $8,000 Home Buyer Tax Credit, Cottonwood CA Houses Are you in the market for a home in Cottonwood. I'm hearing of numerous Buyers and their disappointment at bidding on Short-Sales and REO's in today's market. We have great news for you if you are in the market for a home priced from $189,950 including land. Chain Real Estate Investments and Mortgage and Chain Enterprises have combined to provide Buyers of Cottonwood  houses with a satisfaction guaranteed home building/buying experience. No more bidding wars, no more waiting months to find out if your escrow will close. Perhaps best of all it is possible to obtain the $8,000 Tax Credit while purchasing a BRAND NEW energy efficient home. That's right the Tax Cred... 11/29/2009

COTTONWOOD HOUSES, First Time Buyers Set New Record 2009, COTTONWOOD CA HOMES FOR SALE   The percentage of 1st Time Homes Buyers measured in the overall home buying market for 2009 grew to 47 percent according to National Association of REALTORS Profile of Home Buyers and Sellers. This breaks the previous record of 44% set in 1991. In 1991 1st Time Home Buyers market participation triggered the start of the economic turnaround for the period. Cottonwood Houses                                                              Typical home purchase price - $156,000  Median Income - $61,600  Loan Type                        55% FHA                          8% - VA                         96% - Fixed Rate  Down payment Source:                        61% - Saving                        22% Gift -... 11/25/2009

Cottonwood Houses, Successful Selling In A Buyer's Market, Cottonwood CA Homes For Sale, Pt 8 of 8 This is the 8th in an 8 part series. We are discussing Closing The Escrow:                                                            With the on going changes in regulations, industry practice and market conditions a  detailed approach is very necessary to successfully close an escrow.  Disclosures & Inspections: Agent's Visual Inspection Disclosure:  Both Buyer and Seller's agent must provide the AVID to the Buyer. Seller's Real Estate Transfer Disclosure Statement:  Selling with an AS-IS statement doesn't excuse the Seller from providing the completed TDS.  Natural Hazards Disclosure Statement: Generally the NHDS is obtained through 3rd party providers. Other Disclosures: It is importan... 11/20/2009

I NEED TO SHORT SALE MY HOME !!! Are you sure?  Part II of II, Cottonwood CA Homes For Sale                               LOAN MODIFICATION --- SHORT SALE --- FORECLOSURE How many times have you heard someone mention the term Short Selling a home?  Why would you want to Short Sell your home?  Are you behind on mortgage payments and owe more than the market value of your home?  Short Sale MAYBE the solution, but have you considered all your options?  In Part I of our series we discussed the Loan Modification as the first step in pursuing a solution to a mortgage problem. Today we will look at some of the main issues to consider with a Short Sale versus Foreclosure on a home. Cottonwood CA Homes For Sale                                                           SHORT SALE: Selling a prope... 11/20/2009

I NEED TO SHORT SALE MY HOME !!! Are you sure? Cottonwood CA Homes For Sale                                    LOAN MODIFICATION --- SHORT SALE --- FORECLOSURE How many times have you heard someone mention Short Selling a home in the recent real estate market?  Why would you want to Short Sell your home?  Are you behind on mortgage payments and owe more than the market value of your home?  Short Sale MAYBE the solution, but have you considered all your options? First things first, the loan modification should be the first option you consider. Cottonwood CA Homes For Sale                                                                    LOAN MODIFICATION: A Change in interest, term or loan principal resulting in reduced payments. You as the homeowner may contact your lender.  Most lende... 11/20/2009

Cottonwood Houses NEW EXTENDED $8,000 - $6,500 Tax Credit, Cottonwood CA Homes For Sale  Legislation: The Homeownership and Business Assistance Act of 2009,  Nov. 6, 2009 has extended and expanded the opportunity for Buyers in the market for a primary residence to access the $6,500-$8,500 Tax Credit.    Tax Credit -  $8,000 max. / 10 Percent of Purchase Price ( Max. Purchase Price $800,000)  Who Qualifies - 1st Time Home Buyers   Tax Credit - $6,500 max./ 10 Percent of Purchase Price                                                                    Who Qualifies - Existing Home Owners (Owners living in their Primary Residence 5 consecutive yrs/last 8)    Purchase Deadline: Contract Signed By April 30, 2010, Close Escrow by June 30,2010                          Tax Period: The Credit m... 11/16/2009

 COTTONWOOD CA Homes For Sale REAL ESTATE 2009 YEAR END TAX STRATEGIES AND ENERGY SAVINGS As we near the end of 2009 this is a great time to consider year end tax planning.  Federal Home Energy Tax Credits and recent technology advances in heating,cooling and renewable energy equipment have created a Win-Win opportunity for the home owner.  The pay back available by combining energy savings and the Federal tax credit can be shortened considerably.  The actual pay back time will  depend on the home's present source of energy. Cottonwood CA homes for sale                                                 U.S. Internal Revenue Service News Release People can now weatherize their homes and be rewarded for their efforts. According to the Internal Revenue Service, homeowners making energy-savin... 11/15/2009

Cottonwood Horse Property, Homes For Sale  This is #3 in a series of feature articles about a real cowboy his horse and Cottonwood Horse Property Homes For Sale. This is Chet, in his Sunday best, seated on "Shorty".  I can tell you being dressed like this generally happened for two occasions, a Saturday dance or Church. There was a family rule.  If you went to the first one you were going to the second one.  The hat is today what we might call a,"Tom Mix" hat. Chet said they wore Stetson hats. From time to time he would explain with some detail the quality and he and his brother Rex's personal preference.  You'll notice the pants. They "could" fit over the boots, but why hide a perfectly good pair of boots. Chet wore cowboy boots until the last few years of his life, although he did sta... 10/17/2009