With rates for 30-year mortgages hovering below 4 percent since last October, all kinds of homeowners are trying to get their monthly mortgages reduced, say lenders and mortgage experts. Along with months of record-breaking low interest rates, other factors are driving the refinancing boom: a competitive lending market and changes in some federal refinancing programs for struggling homeowners.  It's prompted many established homeowners with old-school, high-interest mortgages to decide it's time to refi. To determine whether you should refinance, look at how long you plan to be in your current home and whether the upfront costs outweigh the monthly savings.  Generally the primary reasons for refinancing a mortgage are to: Lower monthly mortgage payments.  Eliminate the unpredictabilit... 09/14/2012

If you have trouble viewing this email, please read the online version.   CoreLogic® released new analysis showing that 10.8 million, or 22.3 percent, of all residential properties with a mortgage were in negative equity at the end of the second quarter of 2012. This is down from 11.4 million properties, or 23.7 percent, at the end of the first quarter of 2012. An additional 2.3 million borrowers possessed less than 5 percent equity in their home, referred to as near-negative equity, at the end of the second quarter. Approximately 600,000 borrowers reached a state of positive equity at the end of the second quarter of 2012, adding to the more than 700,000 borrowers that moved into positive equity in the first quarter of this year. Negative equity, often referred to as "underwater" or "... 09/12/2012

SHORT SALE ONTARIO CA REAL ESTATE SHORT SALE AGENTS - ONTARIO CA Times are tough, and many distressed homeowners in Ontario California are having trouble paying their mortgages every month. Are you one of them? Are you behind on your mortgage payments now? Are you in danger of missing a mortgage payment? Don't let foreclosure happen to you- explore the Ontario CA Short Sale Option instead, but don’t wait; the biggest killer of the short sale negotiation is waiting until it’s too late to process the short sale. You’re also going to want to hire the best Ontario CA Short Sale team in Southern California to help you with your difficult situation, at NO CHARGE TO YOU! We do not charge you for our real estate short sale services: we collect our commission from the bank’s proceeds. You pay no... 08/12/2012

Feedback Print Share & Bookmark Font Size:-+ Ontario's National Night Out   Date:8/7/2012 Location:Your NeighborhoodOntario, California 91761 Add to my Calendar You may start registering your block parties for this year's Ontario National Night Out: • Ontario Night Out 2012 Registration• Ontario Night Out 2012 Party Guide• Event Flyer Ontario's National Night Out is scheduled for Tuesday, August 7, 2012. Ontario's National Night Out is one of the city's largest community events and the pride and joy of Ontario's Neighborhood Watch Program. This event is a celebration of the unity in our neighborhoods, and partnerships with the police department and other city and county agencies. National Night Out is designed to: (1) Heighten crime and drug prevention awareness; (2) Generate support f... 07/26/2012

THE MOST IMPORTANT ONTARIO SHORT SALE DO'S AND DON'TS | SHORT SALE TIPS FOR ONTARIO CA HOME SELLERS Do educate yourself. This is THE most important thing you can do. Ontario CA Short sales can be complicated. You need every bit of information you can get when you jump into the short sale process.   Don’t wait until it’s too late. If you drag your feet and hide from the fact that you’ve stopped making mortgage payments, it will cost your credit rating and it will put any chances of a Ontario short sale in risk.   Do be diligent. There have been very closable Ontario California short sales that fail because the Ontario homeowners either stop responding to their agents, stop returning paperwork, stop returning phone calls, stop caring, etc. It can be a difficult process, but at the end of ... 07/25/2012

R.S.V.P. The New Inland Empire  HOPE AND REVITALIZATION  Big Summer Mixer Date: Wednesday July 25, 2012 Location: Radisson Hotel, 2200 E. Holt Blvd., Ontario, CA 91761 2:30 - 5:30 pm Business Seminars: Procurement, Certification, Access to Capital, Home Preservation 5:30 - 7:30 pm Music, Buffet Dinner, Trivia for Prizes, Networking, Business Expo 7:30 pm - 1:00 am Salsa Dancing, Entertainment, Karaoke Questions or Booth Sales: Patricia de Santos 909-450-9944 or Lorraine 951-534-1856 R.S.V.P. Click for a printable flyer to share with your associates FREE to all 07/07/2012

SHORT SALE.. SUBJECT TO LENDER APPROVAL.. WOW!! LOOK AT THIS WONDERFUL HOME WAITING FOR ITS NEW FAMILY.. HOME FEATURES 5 BEDROOMS, 4 BATHS LOCATED IN A QUIET CUL-DE-SAC. YOU ARE WELCOMED BY A BEAUTIFUL FORMAL LIVING ROOM WITH A COZY FIREPLACE. LARGE DINING ROOM AND KITCHEN WITH PLENTY OF CABINET SPACE. SEPERATE DEN WITH VAULTED CEILINGS ARE PERFECT FOR THOSE QUIET EVENINGS / FAMILY GATHERINGS. HOME ALSO INCLUDES A PERMITTED, PRIVATE 2 BEDROOMS, 1 BATH MOTHER IN LAW QUARTERS ADDITION WITH ITS SEPERATE KITCHEN, SITTING AREA AND A PRIVATE STAIRCASE ACCESS!! LARGE BACKYARD WITH ENCLOSED POOL AND SPA IS PERFECT FOR THOSE HOT SUMMER DAYS TO COOL OFF.. SPACE IN BACKYARD PERMITS FOR FUTURE RV ACCESS.. AND MUCH, MUCH MORE.. THIS HOME IS A MUST SEE!!.. HOME IS SOLD AS IS PRESENT CONDITION, BUYER ... 07/01/2012

Don't miss this great opportunity to own a home in this great neighborhood. This home is centrally located with easy access to freeways, shops, businesses, police station and right across the desired Mountain View Elementary School and near the Whispering Lakes Golf Course. 2 bedrooms downstairs and 2 bedrooms upstairs plus a bonus room, a spacious living room, dining area, family room, breakfast area and a large side and backyard with covered patio. Lots of potential. Full Details http://www.iehouses4sale.com/listing/mlsid/301/propertyid/C12077622/syndicated/1/cgltguid/079EFBFA-CDB8-4D75-B265-33FBCC250EE4/?ts=crg Listing Courtesy of ELIZABETH EUGENIO DRE:01126934, CENTURY 21 KING 07/01/2012

BUYERS PLEASE HURRY... THIS IS A HARD TO FIND STANDARD SALE... ABSOLUTELY GORGEOUS IN & OUT... SELLERS HAVE REALLY PUT IN A LOT OF LOVE, WORK & MONEY IN TO THIS HOME... IT HAS A GREAT KITCHEN WITH GRANITE, NICE TILE THROUGHOUT, BEAUTYFUL YARD & MUCH MUCH MORE... MUST SEE TO APRECIATE... Full Details http://www.iehouses4sale.com/listing/mlsid/301/propertyid/I12070641/syndicated/1/cgltguid/86FDB78C-6F4F-4A50-907F-3EBDC84C63DA/?ts=crg Listing Courtesy of IZZY MARTINEZ DRE:1366528, RE/MAX CHAMPIONS 06/24/2012

It's safe to sell your house again While analysts debate when the housing market will hit bottom, for a surprising number of cities the turnaround has already begun.  Prices rose in 109 of the 384 metro areas tracked by data firm CoreLogic and things are looking up in the city of Ontario, California.   For years, buyers were scared of overpaying for a home.  Today's home buyer are more realistic and have a better understanding of true value; they may start bidding around 10 percent to 15 percent below list price, but quickly learn that sometimes paying full price is still a good deal.  Its a hard lesson to learn when negotiating too hard, or too long results in losing the home to another buyer, who is willing to pay what the Seller is asking.   Sellers can hold firm on price if they’re ... 06/22/2012

Help Keep Ontario Clean!   Report Graffiti Report any graffiti in the neighborhood. Please call our hotline or fill out our fast and Easy Online Graffiti Form! (909) 395-2626     Shopping Cart Retrieval Do you have shopping carts around your area? For shopping cart retrieval please call: California Shopping Cart Retrieval Corp. 24 hours a day/7 days a week hotline 1-800-252-4613 06/22/2012

The City is pleased to announce an increase in the allowable number of yard sales per year from only two weekends to now quarterly sales. Yard sale permits are NO LONGER required.   However, yard sales will only be permitted on each quarter during the year. Yard sales are not allowed at any other time of the year.   Upcoming 2012 Yard Sale Weekends are:   August 3, 4 and 5 of 2012 November 2, 3 and 4 of 2012   Important Guidelines and Requirements   Only one double-faced sign, not to exceed six (6) square feet in area on any one side, shall be permitted on the property where such sale is located. Such sign may be posted only on the day of the sale. Signs are NOT permitted on City light poles, telephone poles or vehicles.   Garage or yard sale shall mean any event where items of personal... 06/22/2012

This lovely home has been completely remodeled!!!! Brand New Kitchen with with New Appliances...Brand new Wood flooring!! Brand New Carpet! New Tile flooring!! New Bathrooms!!!New Doors!! Great home for a first time buyer!! Full Details http://www.iehouses4sale.com/listing/mlsid/301/propertyid/C12071052/syndicated/1/cgltguid/E84C7B20-46D5-4A01-9034-69361C9AA28B/?ts=crg Listing Courtesy of ALEXANDER ODDO DRE:01198905, RE/MAX CHAMPIONS 06/17/2012

  Anyone out there experiencing searching for that first home, or next home?  Have you run into any snags?  Maybe you weren't the offer that was most acceptable to the Seller(s)?   Here are some sure fire ways that can and should help you strike it rich and get the home you want: 1)  Be sure your real estate professional has all of your documentation, up front!   This will include: A) a signed agency agreement (not to be confused with a Buyer Representation Agreement...don't do that!)  In California, we use the California Association of Realtors forms...they have this logo at the top.   B) your current bank statement to prove to the Seller(s) and their agent that you do have the funds to close escrow.  C) a copy of your earnest money deposit check (be sure it's at least 1% or more of th... 06/15/2012

NICE AND CLEAN CONDO READY TO MOVE IN, TILE ALL AROUND FIRST FLOOR, THREE BEDROOM PLUS DEN COULD BE AN OFFICE Full Details http://www.iehouses4sale.com/listing/mlsid/301/propertyid/C12031054/syndicated/1/cgltguid/CA577AAE-339B-4D05-9DE2-7C45F2B93B46/?ts=crg Listing Courtesy of IRMA DUBON DRE:01735261, CENTURY 21 BEACHSIDE 06/03/2012

Lloyd Cullen Real Estate is a local Ontario Certified Distressed Property Expert . As a Ontario Short Sale Company that specializes in short sales, you are assured the highest standard of professionalism and can always count on our Ontario Certified Distressed Property Experts to help answer any questions you have in regards to Ontario Short Sales. Ontario Certified Distressed Property Expert Lloyd Cullen is a local Ontario Short Sale Expert with experienced Ontario Short Sale Agents here to assist you.   Ontario Certified Distressed Property Expert We specialize in Short Sales for Ontario and Surrounding Areas Don’t hesitate to contact Lloyd Cullen Real Estate if you are looking for competent Ontario short sale agents. Our short sale experts have years of Ontario short sale experience ... 06/01/2012

Lloyd Cullen Real Estate is a local Ontario Short Sale Expert. As a Ontario Short Sale Company that specializes in short sales, you are assured the highest standard of professionalism and can always count on our Ontario Short Sale Realtor to help answer any questions you have in regards to Ontario Short Sales. Short Sale Ontario CA Lloyd Cullen is a local Ontario Short Sale Expert with experienced Ontario Short Sale Agents here to assist you.   Short Sale Ontario CA We specialize in Short Sales for Ontario and Surrounding Areas The first thing that you need to do if you are thinking about short selling your Ontario home is to contact a Ontario Short Sale Expert at Lloyd Cullen Real Estate. You have come to the right place to do just that. There is no question that our Ontario Short Sale... 05/31/2012

Lloyd Cullen Real Estate is a local Ontario Short Sale Realtor. As a Ontario Short Sale Company that specializes in short sales, you are assured the highest standard of professionalism and can always count on our Ontario Short Sale Realtor to help answer any questions you have in regards to Ontario Short Sales. Ontario Short Sale Realtor Lloyd Cullen is a local Ontario Short Sale Expert with experienced Ontario Short Sale Agents here to assist you.   Ontario Short Sale Realtor We specialize in Short Sales for Ontario and Surrounding Areas Not all Ontario homeowners in financial distress can qualify to sell their home as a Ontario California short sale. It is important to seek advice from a short sale professional in Ontario to determine whether you are eligible to short sale your home. ... 05/29/2012

What’s My Ontario CA Home Worth? – Find the Value of Your Ontario CA House In this current real estate market, understanding the current value of your Ontario home can be a confusing task. Even so-called experts, banks and real estate agents have a tough time determining the market value of Ontario California houses. There are websites like Zillow and Yahoo Real Estate that enable you to input your address and get a formula-derived price of your Ontario home, but these tools are unreliable because the data feeds that enable this can sometimes be inaccurate. These tools also do not take into account the varying differences in homes, like condition, upgrades and other amenities. So what is the best way to determine the price of your Ontario CA home? By ordering our FREE Comparative Market... 04/04/2012

Saturday, April 14 is Inland EmpireHome Buyer's CaravanHosted by AREAA IE11am-12:30pm    Home Buyers' Seminar 1pm-5pm    Caravan + Guided Bus Tour of Homes Seminar Location and Caravan Departure from Hilton Ontario Airport (700 N. Haven Ave, Ontario, CA 91764)   REGISTER TODAY TO BECOME ONE OF OUR CARAVAN AGENTS!   This is a member's only event.  Please go towww.areaa.org/inlandempire/join.php to become a member! Member participation is FREE. As a caravan agent you will work on the bus tour to help with home buyers (target attendance 75 home buyers) or you could also organize your own private caravan with your own buyers.  We will provide you with a list of REO properties that are accepting offers through the weekend you could tour with your clients and we will help you with a sample fo... 03/26/2012