422 Lancaster MANTECA, CA Great Priced Manteca Family Hom 3BR/2BA Single Family House offered at $132,000 Year Built 1985 Sq Footage 1,826 Bedrooms 3 Bathrooms 2 full, 0 partial Floors 1 Parking 2 Car garage Lot Size .14 acres HOA/Maint $0 per month         see more photos >   Spacious Single story home, over 1800square feet, 3 bedroom, 2 bathrooms. Located in established neighborhood. Shady tree in front yard to enjoy summer evenings outdoors! Spacious family room with brick fireplace! http://www.postlets.com/repb/5965499 07/28/2011

Stockton CA – After yesterday’s blog post, I am sure that some people were wondering why a HELOC gets zero from a foreclosure. Let me explain why. Get my Free, Step By Step Loan Modification Guide by clicking here. When a property is foreclosed upon, it is auctioned on the courthouse steps. Let me give you a scenario where a homeowner owes the following on the property. First Mortgage is owed $200,000. Second Mortgage is owed $40,000. There is a HELOC (Home Equity Line of Credit) that is owed $100,000. (The home increased in value to $400,000 and a lender agreed to grant the loan.) So a total of $340,000 is owed on the property. Now, what if it only sells for $150,000 on the courthouse steps. Who gets that $150,000? The first mortgage does. The second mortgage wouldn’t get a dime unles... 07/25/2011

Stockton CA – Debt collectors are very creative in their attempts to convince debtors to pay. Fortunately we have the law protecting us called the Fair Debt Collection Practices Act Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. I don't know what happened before the law was passed. But, after reading thru the law, you can see it was pretty bad. It sounds like debt collectors would call late at night, threaten debtors with violence, use profane language, and do anything else they could think of to harass debtors into paying. Fortunately the law says that they are not allowed to call before 8AM or after 9PM. In addition, they are not allowed to threaten you with violence or tell other people about your alleged debt. But, the biggest violati... 07/25/2011

Stockton CA – We see a lot of agent's going about escalating a file the wrong way. It reminds me of the appeals process game in death row. Everyone has to go thru the appeals process. It drags on for years and years. After a while it simply becomes a game. I don't want to see short sale escalation turn into a "game." Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. Treat the Short Sale Escalation Process like a sales process. Don't treat it like just another technical process that you do for no reason. Don't just escalate the file "because you felt like it." The reason you escalate a file is because the lender is making a bad decision turning down the offer. You feel, based on your superior knowledge of the property and the local housing ma... 07/25/2011

There is a short sale currently for sale in Manteca CA that my buyer really really really (did i say really?) wants.  The issue is that the current realtor said, it is going to foreclosure & will be going back to the bank.  Now What?  see the questions in italics from my buyer below: Do you think we will get it cheaper from the Bank? It's hard to say.  I would love to say yes, but I just don't know. Okay thats better than NO. How long do you think it will take for the bank to be ready? So we can put an offer in. More or less. I have to check the foreclosure date. Sometimes it takes a couple months.  Foreclosure date is set for June 1st. What does that mean? That is when the bank is scheduled to take back the house. The bank cannot sell it till they take it back. So that means we can put... 05/25/2011

For Sale in Manteca, CA 527 Elm Street - Crown Key Realty, Susan Goulding For Sale in Manteca, CA 527 Elm Street - Crown Key Realty, Susan Goulding               This is a short sale home in central Manteca. The home would be perfect for a first time home buyer or an invester who is looking for  a great rental. It is located across the street from a large neighborhood park with huge trees. The home has 2 bedrooms and 1 bath room.  The kitchen is a galley kitchen off the family room.  The fireplace is the central focal point of the family room.  The property needs new carpet and  could use some updating.  The back yard has plenty of room for a playset, trampoline or a good old fashioned bbq. 05/13/2011

Why am I surprised at EXCELLENT Customer Service?   Every once in a while people surprise me, today was one of those days. I took my daughter to see Diary of a Whimpy Kid at the AMC Theater in Manteca.  We get to the theater, I go to the self service tickets, process the payment and the tickets print out BLANK!  Not a thing printed on the ticket. hmmmm I speak to the manager standing there, he tries to fix machine, walks over and tells the ticket taker to "Let them in, they don't need to wait while I fix the machine." Off we go, get all settled in our seats, the preview are a little strange for a kids movie, "Sabrina, Fast and Furious 5, Thor" hmmm. well my daughter is 14 so I don't think much of it.  The movie starts, there is silver door, a person banging from the inside, saying "Let... 04/25/2011

Crush...the new frozen yogurt place in Manteca just opened March 2011 AMC movie theater, Bass Pro, Best Buy & JC Penney have a great addition to the Promenade Shops at Orchard Valley.  If you want a fun frozen yogurt creation after the movies or before you go shopping at Bass Pro, stop over at Crush Frozen Yogurt. Paul & I walked in there on a whim to check out the new business & get something yummy to snack on.  We were actually shopping at Best Buy.  This is one of those cool places that you have to weigh your frozen yogurt creation after you put the toppings on it.  You have the choice to go semi-healthy & select fresh fruit on your yogurt choice or you can go fun and go for the oreos, mini reeses peanut butter cups & m&m's.  They have quite a few syrup choices too (even Magic-Shell)... 03/29/2011

Manteca CA Police has the neatest "crime mapping" tool  I was wondering around the web, which can always be dangerous & I find the coolest site... Manteca CA Police has a neatest "crime mapping" tool. This is a wonderful example of Manteca CA police getting the word out & keeping Manteca residents informed of police reports in their neighborhood.   I just played a little with the website & selected "auto burglary" for the previous week.  It came up with 10 last week & the green dots on the right represent the "reports".  I didn't dig deeper but once you go there & poke around, you will find out way more information. Does your city give you this type of report?  If not, wouldn't you want them to tell you? 03/24/2011

  Bank of America Short Sale - Manteca, CA - Approved and SOLD SUCCESSFULLY 12 months, 4 buyers and countless hours Susan Goulding & Associates has successfully closed another Bank of America Short Sale. The seller did not qualify for HAFA, although that cost us a 6 week delay, while HAFA was processed, only to be declined. 3 buyers wanted the house, waited for approval, and when it came in, they changed their minds. 4th buyer, wanted the house, waited for the new approval, then the appraisal came in $500 LESS than the offer.  We waited for a new approval at the new price.   All that does not matter, now that the Manteca seller no longer owns this property.  The seller didn't have to pay anything to Bank of America on the first or the second mortgage.  Bank of America waived all deficie... 03/01/2011

Just two hours from California’s popular Bay area is the intimate active adult community of Woodbridge by Del Webb. This 55+ community offers a charming small town setting with luxury amenities and the famous Del Webb lifestyle. Set in Manteca, California, the community boasts a wonderful location just minutes from fantastic golf courses, parks, cultural attractions, shopping, dining and award-winning health care. Other unique features of the Manteca area include one of the largest bowling centers in California plus wonderful outdoor recreational opportunities including fantastic parks for RV or tent camping. Approximately an hour from Manteca is the San Francisco Bay area, Sacramento and the Napa Valley. All of which make for fantastic day trips to enjoy exciting nightlife, wine tastin... 02/11/2011

Well we are done with our doggie training classes.  (for the record, Noah is sitting on a stool behind Sugar) It was an 8 week course.  Our teacher Marion Shoopman told us that we were the last of the 8 week classes, they are being reduced to 6 weeks from here forward. Did Sugar learn to look? Yes.  She looks so easily now. Did Sugar learn to sit?  Yes.  She is a sweet little "sitter".  Just look at this adorable picture & how she just sat there while Noah put the graduation cap on her. Did Sugar learn to stay? Yes.  She can do about 45 seconds.  She was taught to do 60 seconds in the class but it is not so easy for her.  Teacher says she will get that in time, that we just need to keep working with her. Did Sugar learn to leave it? Yes.  Unbelieveably.  I had a real life (not in class)... 01/25/2011

* Look * Sit * Stay * leave it * Come here, Sugar (in such a sweet voice) Teaching her to stop whenever we stop while we are on a walk. The above commands are in bold.  Who is really getting trained?  I would have to say it's us (whole family). If you had asked me before class started 3 weeks ago, I would have told you that I was concerned our new puppy was DEAF.  My husband kept saying, "No she isn't.  You are just too nice." I learned that my squeaky voice doesn't cut it when it comes to speaking to my dog.  All she hears is, "i love you, you're so sweet, la la la la la, etc..." Besides learning that, my tone must speak volumes, I have to stand tall, firm & it is also very important that all family members must take turns in feeding the dogs (we do have an older one). This class has ... 12/12/2010

There are new homes available in the Manteca community.  The Classic Series model homes at Montage are open for your inspection.  These are 3 bedrooms, 2 bathrooms units with 1565 square feet of living area.  Contact me today at 209-625-8231 to make an appointment to see these new homes.   Manteca is centrally located in California a short distance from many remarkable destinations.  To the West takes you into Silicone Valley and from there you can continue on to the ocean beaches.  To the East there is the grandeur of Sierra Nevada Mountains and Yosemite National Park. To the North is the State Capitol of California in Sacramento and continuing further are the wine producing valleys of Napa County.     10/29/2010

Manteca, California - HUD Home - 3 bed/ 2 bath- $112,000 - Bids close on 10/03/10 - No glamour shots, just fast-paced opportunity.  Homes that are being sold by the Department of Housing and Urban Development become available on a "Friday List" and bids close by 12:00 Midnight on Sunday.  The first 7 days are available only to owner-occupied buyers.  If no contracts are acceptable to HUD, the property will then become available to all bidders, including investors. Buyers do not have time to go searching for an agent who understands the area and the process.  Contact us today ... we can help you get qualified and outline the process and procedure.  This may be the best buying opportunity of our current market.  Let us help you to take advantage of the next property that comes available i... 10/02/2010

 Manteca, California - HUD Home - 3 bed/ 2 bath- $110,000 - Bids close on 10/03/10 - No glamour shots, just fast-paced opportunity.  Homes that are being sold by the Department of Housing and Urban Development become available on a "Friday List" and bids close by 12:00 Midnight on Sunday.  The first 7 days are available only to owner-occupied buyers.  If no contracts are acceptable to HUD, the property will then become available to all bidders, including investors. Buyers do not have time to go searching for an agent who understands the area and the process.  Contact us today ... we can help you get qualified and outline the process and procedure.  This may be the best buying opportunity of our current market.  Let us help you to take advantage of the next property that comes available ... 10/02/2010

  With all the news about interest rates and mansions selling for the price of shacks, many people are asking themselves, “Is now the time to sell our home?”  The answer to that question depends heavily on your situation.   If you are a distressed home owner who may at some point in the future or currently is facing foreclosure, then the sooner you can get your home on the market, the sooner you can move on from your situation.   But if you didn’t take part in the real estate fiasco of the last five years, then now may be the best time for you to consider getting the home of your dreams at discount club store prices!  There are many other reasons that you should consider selling your home and today’s market including: Our market has increased in value: Yes that is true! Our market here ... 08/22/2010

Many people are now wondering if it is the right time to invest in our community. With very low property values, historically low interest rates and the volatility of the stock market, many savvy investors are starting to look in their own backyards for investments. But is investing in Manteca, Lathrop, Ripon or any community in our valley worth it? Abraham Lincoln once said, "Property is the fruit of labor...property is desirable...is a positive good in the world. That some should be rich shows that others may become rich, and hence is just encouragement to industry and enterprise. Let not him who is houseless pull down the house of another; but let him labor diligently and build one for himself, thus by example assuring that his own shall be safe from violence when built." Lincoln’s w... 07/09/2010

Do you need a Central Valley Short Sale Specialist?  If you have any questions or would like to discuss any real estate related issue please contact Pat Holkesvig at (209) 471-6516 or complete our Contact Form. Pat Holkesvig & Your Home Team specialize in Stockton short sales, Lodi short sales, Lathrop short sales, Manteca short sales, Elk Grove short sales, Mountain House short sales, Tracy short sales, Ripon short sales and Tracy short sales. Request a cost-free FREE MARKET EVALUATION for your home at the Valley's BEST homepage homes-in-stockton.com. Click here to search the MLS like a realtor or the following links to view the homes available in the following neighborhoods! Brookside Brookside Golf Morada Lincoln Village Morada West Spanos West Lincoln Village West Quail Lakes Spanos... 06/22/2010

Do you need a Central Valley Short Sale Specialist?  If you have any questions or would like to discuss any real estate related issue please contact Pat Holkesvig at (209) 471-6516 or complete our Contact Form. Pat Holkesvig & Your Home Team specialize in Stockton short sales, Lodi short sales, Lathrop short sales, Manteca short sales, Elk Grove short sales, Tracy short sales, Ripon short sales and Tracy short sales. Request a cost-free FREE MARKET EVALUATION for your home at the Valley's BEST homepage homes-in-stockton.com. Click here to search the MLS like a realtor or the following links to view the homes available in the following neighborhoods! Brookside Brookside Golf Morada Lincoln Village Morada West Spanos West Lincoln Village West Quail Lakes Spanos East Weston Ranch UOP Lodi... 06/19/2010