Graceful Southern Living....right in the middle of Orange County, California. This Ladera Ranch detached home is affordably priced at $519,900. 3 bedrooms and 2.5 baths, over 1750 sq.ft. and a 2-car garage. The master suite even has an expansive deck which overlooks the greenbelt. Ladera Ranch is located in the heart of South Orange County and is one of the most desirable. Impectably planned to provide for recreation and relaxation, each development has a local park, wide open streets and easy access to walking trails. In addition to being close to the beach, Ladera Ranch has one of the most impressive pool/clubhouse areas including a mini-water park. Ladera Ranch has a convenient layout to provide for shopping and business availability. It's close to the Mission Viejo Mall as well. La... 04/05/2010

In the midst of the most profound housing downturn most of us will ever experience this is the million dollar (often literally) question.  Over the last three years I have witnessed many clients that have taken extraordinary measures in an attempt to stay in their home.  Given the emotional attachment and considerable investment a home represents this is understandable. Subjecting yourself to massive financial damage in order to remain in a particular home is not a sound decision, though.  Humans have an amazing capacity to remain optimistic.  There is a difference between healthy optimism and irrational optimism though.  I have seen homeowners that owe 250% or more of their homes current market value struggle on admirably and destroy their credit and finances in the process.  Is drain... 03/28/2010

Just Passed $10,000 First Time Home Buyer Credit In California, Use It By Buying In Ladera Ranch March 25th, Governor Schwarzenegger signed a $10,000 first time home buyer credit which will give home buyers in California a credit if they buy a new or resale home this year. One of the best family neighborhoods to use this new credit in is Ladera Ranch, California. If you are just starting a home search consider this lovely community in South Orange County. Ladera Ranch has many unique neighborhoods to appeal to a wide variety of tastes. A quick MLS search of homes found that Single family homes range in size and price. There is a 3bd/3ba, 1500 sq.ft. home in Surrey Farm listed for only $429,000. Surrey Farm is a collection of entry level homes with wide streets, white picket fences and n... 03/26/2010

Underwater In Ladera Ranch? If your first mortgage is presently serviced by Wells Fargo and was previously serviced by Wachovia you may be eligible for a seller's incentive of up to $5,000.00. For more details please contact IML Real Estate P: 949.218.0952 F: 866.200.2139 www.imlrealestate.com/shortsale info@imlrealestate.com   If you are having trouble making your mortgage payments... And your home is worth less than the amount you owe (underwater), A short sale may be the right solution. By selling your home as a short sale the damage to your credit will be reduced and the long term consequences of foreclosure and bankruptcy can be avoided.  IML Real Estate provides distressed and underwater homeowners with complete short sale solutions.  Any real estate agent can add your home to th... 03/18/2010

RE/MAX Homes & Estates Pre-Foreclosure Division  (714) 588 -7676 ∙  www.remaxann.com   If you are in a situation where: • You lost your job • Your Medical Expenses are too high • Just went through/going through a divorce • You are behind on your payments • You have no equity • You can't afford the cost of selling your home • Your income has been reduced • You are in foreclosure   WE CAN HELP YOU! It's easy and doesn't cost you any MONEY! Our services are Free!!! WHEN THE DEBT EXCEEDS YOUR HOME'S VALUE... we can help is with a SHORT SALE.   Benefits of a Short Sale: • Avoid Foreclosure • Avoid Bankruptcy • Reduced damage to your credit • Postpone your foreclosure sale date • A short sale will stay on your credit approx 3 years • BE FREE of financial and emotional burdens!     We are lice... 02/19/2010

  IML Real Estate Pre-Foreclosure Division (949) 218-0952 http://www.IMLRealEstate.com   Out of work or has your income been reduced? Do you owe more on your home than it's current market value? Are you going through a divorce? Are you behind on your mortgage payments? Are you burdened with high medical expenses? WAITING TO CONSULT WITH US WILL ONLY NARROW YOUR OPTIONS! A Short Sale May Be Your Solution To A Fresh Start.   WE CAN HELP YOU! It's easy and doesn't cost you any MONEY! Our services are Free!!! WHEN THE DEBT EXCEEDS YOUR HOME'S VALUE... we can help with a SHORT SALE.   Benefits of a Short Sale: • Avoid Foreclosure. • Avoid Bankruptcy. • Reduced damage to your credit. • Postpone your foreclosure sale date. • Buy again sooner than foreclosure (Short Sale = 2 years.  Foreclosure... 02/18/2010

    IML Real Estate Pre-Foreclosure Division (949) 218-0952 www.IMLRealEstate.com   Out of work or has your income been reduced? Do you owe more on your home than it's current market value? Are you going through a divorce? Are you behind on your mortgage payments? Are you burdened with high medical expenses? WAITING TO CONSULT WITH US WILL ONLY NARROW YOUR OPTIONS! A Short Sale May Be Your Solution To A Fresh Start.   WE CAN HELP YOU! It's easy and doesn't cost you any MONEY! Our services are Free!!! WHEN THE DEBT EXCEEDS YOUR HOME'S VALUE... we can help with a SHORT SALE.   Benefits of a Short Sale: • Avoid Foreclosure. • Avoid Bankruptcy. • Reduced damage to your credit. • Postpone your foreclosure sale date. • Buy again sooner than foreclosure (Short Sale = 2 years.  Foreclosure = 5 ... 02/18/2010

Ladera Ranch (Detached Single Family Residences) Median Price / Dec-09:                         $750,000.00 % Change In Price From Prior Month:     -6.0% % Change In Price From Prior Year:       0.1% Total Number Of Units Sold:                 35 % Change In Sales From Prior Month:   52.2% % Change In Sales From Prior Year:     169.2% Orange County (Detached Single Family Residences) Median Price / Dec-09:                        $533,250.00 % Change In Price From Prior Month:    1.5% % Change In Price From Prior Year:      18.8% Total Number Of Units Sold:                 1,430 % Change In Sales From Prior Month:   2.6% % Change In Sales From Prior Year:     3.3% The good news for sellers in Ladera Ranch is that the volume of sales (month to month & year to year) is increasing dramatica... 01/26/2010

Ladera Ranch, CA/December 28, 2009- We have just received another short sale approval on a package submitted to the bank less than 2 weeks ago.  For more information on working with an Orange County Short Sale Realtor, call us at 949-267-9999.   Find us on Linkedin. 12/28/2009

Ladera Ranch, CA/December 27, 2009 C.A.R. Vice President and Chief Economist Leslie-Appleton-Young recently stated that the statewide median price from most regions hit its lowest point during the first half of '09.  She added that California remains ahead of the nation in market recovery. This is great news as we move into the New Year. So, if you have been waiting to buy, go forward with confidence that we are in the middle of a shift.  Orange County Short Sales and foreclosures are still prevalent and more shadow inventory will be coming soon.  Call us, Jane & doug Lippman, if you need to begin a loan approval process so you are ready to go when you find the right home. 949-267-9999.   12/27/2009

Ladera Ranch, CA/December 26, 2009 - Reaching out to say Happy New Year to all of my blog readers.  2009 is behind with hope for a better 2010.  May everyone reading this have great renewal in the New Year.  Jane and Doug Lippman 12/26/2009

Successful Ladera Ranch short sale!!! This was an investment property that my client bought 5 years ago. He refinanced the condo and cashed out 2 times prior to short selling the condo. He owed the 1st mortgage $ 530,000  and the 2nd mortgage $ 200,000 Property sold in approx 10 days for 349k Short sale approval for both banks took 7 weeks. The original buyer cancelled escrow and then we received a new offer for 337k. The bank did accept the new offer. That process took approx 7 days for the new approval. 1st lender accepted $ 307,000 2nd lender accepted $ 3,000 The bank paid all past due taxes, hoa fees, escrow, title and commissions. This seller received a full settlement. Interested in short selling your home contact Ann Urias with ReMax Homes and Estates Pre-Foreclosure division. ww... 12/22/2009

Ladera Ranch-Orange County, CA - December 19, 2009 Our new short sale listing located at 31 Shea Ridge in Las Flores, CA is located adjacent to Ladera Ranch and Rancho Santa Margarita.  This home offers nearly 3,500 sq. ft. of living, sunset views, an open floor plan and upgraded kitchen for $699,000.  Should sell fast. Call us with questions at 949-267-9999. Jane & Doug Lippman/Orange County Short Sale Realtors serving homes and short sales in Ladera Ranch, Las Flores and surrounding areas.   12/19/2009

Ladera Ranch- Orange County, CA/December 18, 2009 - As Short Sale and Foreclosure realtors in Orange County, we would like to report that foreclosure evictions will be suspended by Fannie Mae and Freddie Mac from December 19, 2009 through January 3, 2010, in a move to help struggling families over the holidays. Fannie Mae will not evict owner-occupants and tenants living in properties foreclosed upon by their agencies.  These suspencions will only pertain to properties up to four units. Citigroup Inc. will also suspend foreclosure sales and evictions for 30 days through January 17, 2010 for loans it owns.  Citigroup's foreclosure moratorium, however, does not extend to loans it services on behalf of other investors.  Given these developments, other lenders may follow suit, so check with... 12/18/2009

Ladera Ranch, Orange County, CA/December 17, 2009 - Every year my husband and I cover the town of Ladera Ranch with Toys for Tos collection boxes.  We've collected thousands of toys over the past eight years.  But, the last day for this year's toy drive is this Sunday, Dec. 20.  Get all last minute toys to Toy Town in Ladera Ranch. Thanks for your donations. 12/17/2009

Orange County/Ladera Ranch, CA - December 15, 2009 - If you haven't gotten out there and bought your new home yet, you better hurry.  I am seeing more and more properties bought at auction prices and then fixed up and coming on the market now within 2 months time.  Margins these investor want to make are between 10% or more.  They look great, but you better hurry.  If you missed the rock bottom prices, you'll miss these too because they look so good, that they're getting multiple offers on them.  You can still get some great prices when purchasing an Orange County short sale too. 12/15/2009

Ladera Ranch, CA-December 12, 2009 - For homeowners that are deliquent or experiencing hardship - Be very cautious about trying to short sell your home with unexperienced realtors.  Look for agents specializing in short sales who have systems in place to work through them quickly and efficiently.  12/12/2009

Foreclosure/Ladera Ranch/Orange County, CA-December 12, 2009-I received the following in my email last night.   So, I wanted to put it out there to all of my readers. "EMERGENCY!! PLEASE TAKE ACTION RIGHT NOW... SAVE BANKRUPTCY REFORM! JUST MINUTES AGO... House Rules Committee agreed to allow the bankruptcy modification amendment THAT WOULD ALLOW JUDGES TO MODIFY MORTGAGES to be considered on the House floor as an amendment to the broader financial services reform bill AS EARLY AS THIS AFTERNOON!! THIS AMENDMENT IS BEING FIERCELY OPPOSED by the BANKS AND FINANCIAL SERVICES communities and we NEED to get people CALLING in IMMEDIATELY. PLEASE TAKE TIME NOW TO contact your friends, family and business associates... stop whatever your staff is doing to give them time to call in. Put it on y... 12/12/2009

Ladera Ranch, Orange County - December 11, 2009- Have you recently looked at all the Orange County short sales and foreclosures and thought, now would be the perfect time to buy? Well it is, especially because a law passed this week that expands the homebuyer tax credit. Now through the Spring 2010, you can receive a tax credit of $8,000 or $6,500 on the purchase of your home.  If you are a first time homebuyer, you will receive $8,000 in credit (with adjusted gross incomes up to $125,000 (singles) or $225,000 (married couples). If a current homeowner, you can receive $8,000 (if they've lived in one residence for five consecutive years of the past eight years and meet the same income thresholds as first-time buyers. ) Your purchase agreement needs to be signed by April 30,2010 and escro... 12/11/2009

Orange County, CA - December 10, 2009 I wanted to get the word out to all Orange County home buyers, that Bank of America is offering a Buyer's Home Protection Plan Free for the first year you are in your newly purchased home.  After the first year, you would pay a set amount per month if you would like to keep it for future protection from job loss, hardship, etc.  There is no obligation to maintain it in future years. What this means is that if you take on a B of A loan and opt to have the Home Buyer Protection for your first year, free, that B of A will pay your mortgage should you have circumstances take place that make you eligible.  For example, you move into a home and lose your job a couple months later and cannot continue to make payments on your loan.  B of A will protect you ... 12/10/2009