Orange, Ca Free Loan Modification Help: Part 2   Free Loan Modification Help step 6: So now you have gathered your documents and filled out your financial worksheet. Take a good look at the numbers. Do they make sense? If you have $3000 in income a month but have $5000 in expenses, for instance, make sure this is accurate. If you do not feel that you are negative $2000 a month then perhaps there is some income that you omitted. Make sure that you have included all income and expenses to give a clear picture.                                                                                             Free Loan Modification Help step 7: Once you are sure you have calculated everything and your numbers are accurate, examine your situation. Let's take the example from earlier. If you are $20... 09/11/2009

Orange Ca, Free Loan Modification Help: Step by Step Guide to processing your own loan modification. Part 1  Loan Modification Help step 1: The first thing you want to do to process your loan modification is figure out your income. Gather pay stubs for everyone who works in the family and contributes to the mortgage. You want to figure out the net (what is brought home after taxes and deductions).  There is a trick to this depending on how you get paid. Let's say for instance you bring home $500 every 2 weeks. You may be tempted to put down you make $1000 a month but in actuality you make more because there are 52 weeks in the year.  So what you do is figure out your weekly pay which in this example is $250 x by 52 = $13,000 a year / 12 months= $1083.33 monthly income. If you get paid 2... 09/10/2009

Hey Kids,Fun stuff today! Thought I’d keep y'all updated on what I see each time I attend Orange Caravan, a time for agents and brokers to preview recent listings in the cities of Orange and Villa Park, CA. We alternate weeks between east and west Orange. Today - West Orange. Eight homes at preview today and here’s what I saw (Just a reminder that ALL listings shown are standard sale. No foreclosure or short sales) :Homes $449,000 - $675,000:624 N. Clinton St. Orange $449,000  3 bd, 2 ba 1066 sqft.2419 E. Garfield Ave. Orange $450,000 4 bd. 2 ba  1,505 sqft.2604 E. Washington Ave. Orange $525,000 3 bd, 2 ba  1,819 sqft.2712 E. Garfield Ave. Orange $559,000 4 bd, 3 ba  1,954 sqft.1929 N. Fern Orange $675,000 4 bd, 3 ba  3,033 sqft.Homes $:729,000 - $979,000:1638 N. Brigantine Ln. Orange ... 09/08/2009

Orange, Ca Short Sale Specialist: Top 5 reasons you need a Short Sale Specialist to list your Orange County Short Sale home:                                                                 If you have run into some financial difficulties with your mortgage, you are not alone. 1 in 8 Homeowners in America are experiencing these same challenges. One attractive solution when there is no equity to sell is doing a Short Sale to avoid foreclosure. So who do you turn to? Many homeowners are unaware that the choice they make can mean the difference between a successful solution and a foreclosure that can impact the family for up to 10 years. Here are the Top 5 reasons you need a Short Sale Specialist Realtor to list your home.   1.    A Short Sale Specialist has a track record of results: A Sho... 09/08/2009

Orange, Ca What is a Short Sale?  What is a Short Sale? No, a short sale is not an awfully fast real estate transaction although I'm sure most Realtors would be jumping for joy if that were the case... but what it is is a great foreclosure prevention method. A short sale can be an excellent solution for homeowners who need to sell, and who owe more on their homes than they are worth. In the past, it was rare for a bank or lender to accept a short sale.Today, however, due to overwhelming market changes, banks and lenders have become much more negotiable when it comes to these transactions. Recent changes in corporate policy and the Obama administration have also improved the chances of getting a short sale approved. But to be technical, here's a more official definition:                 ... 09/03/2009

Orange, CA Foreclosure Prevention, 5 Scams to avoid: Home Owner Be Aware!!!... Don't get deceived... 5 scams to be aware of so you do not fall victim.  Today Orange, CA Foreclosure Prevention is more important than ever. Did you know that in Orange, CA 1 in 10 homeowners are behind at least one mortgage payment?With all that is going on with our homes and the economy, it can be difficult to decipher between truth and fiction. When a homeowner runs into trouble with their mortgage it can leave them vulnerable to tactics used by those trying to take advantage. Here are 5 tactics to be aware of. If you run into someone trying to use one of these on you, don't be fooled!   1.Never sign your deed over to anyone who promises to save your home. If anyone such as an investor or real estate agen... 09/03/2009

Orange, Ca Short Sale vs. Foreclosure: 5 Reasons to Choose a Short Sale over a Foreclosure.                                                            Falling behind on mortgage payments is an unpleasant feeling but doing nothing about it and ending up losing your home to Foreclosure is not the best solution. Here are the top reasons why a short sale can help you and your family.                                                                                                              Your future home purchasing power: Just because things are bad now doesn't mean they will be this way forever. If a short sale is successfully negotiated, a homeowner can qualify for a Fannie Mae home loan in as little as 2 years.  On the other hand, a homeowner with a foreclosure on their record will be... 09/03/2009

Comprar mi Casa en Orange County California Que tal amigo, se quiere usted Comprar su Casa en Orange County California necesita leer esto y estar bien preparado. Seguramente si esta ya interesado en hacer su compra ya sea por primera vez o no se pregunta como esta le mercado?, que necesito para comprar ahora? Pues bien sin hacerle perder mas su tiempo, he puesto una lista de recomendaciones que usted debe seguir para que realice con exito su compra. 1) Consulte con el banco de su preferencia por cuanto lo pueden calificar (Prequalification letter). el Banco le pedira cierta documentacion, (mas tarde hablare de ella) para poder darle us carta de aprovacion de credito. 2) Entreviste por  lo menos a 3 agentes de bienes y raices, Por que?, por que muchas veces los intereses de usted no son ... 08/25/2009

Buying a house in Orange County California Hello If you are a buyer or prospect buyer and wonder about how the real estate market is doing? or what would you need in order to buy your house in Orange County? This information is for you. FOR FIRST TIME HOME BUYERS This is without any questions a very interesting market, lots of things are happening for good and bad for you as a buyer needs to be very well informed so you can take the steps to succeed in your housing quest. 1.- Obtain a pre-qualification letter from a direct lender (WellsFargo, CHASE, Bank of America, etc.) 2.- Interview at least three real estates, find out how can they help you, what buying strategies they suggest you to follow and work with the one that best suits your needs. 3.- Have your Down Payment ready, (the more... 08/25/2009

Today, my RE/MAX office had the distinct pleasure of receiving a personal tour of the Children's Hospital of Orange County, an affiliate of the Children's Miracle Network. I am so grateful to our tour guide for having taken us through their beautiful hospital and letting us know how we can become involved community members and help. My previous real estate office was set up as a Miracle Office and each one of the agents made contributions from each of our commission checks. Although I had the pleasure of learning about CMN & CHOC through their websites and the annual RE/MAX conventions, nothing compares to actually seeing CHOC and the beautiful children they serve. CHOC opened its doors in 1964 and has since provided the highest quality medical care to children. CHOC Children's is the o... 08/12/2009

Serrano Heights View Home For Sale --2651 N Promontory Way, Orange CA   Beautiful Serrano Heights View Home!$795,000 4 Bed 4 BathNearly 3000 Sqft180 degree view lotBuilt in 2002 Not a short sale or an REO  2651 N. Promontory Way Orange, CA More Photos, Information, and Showing Appointment Requests at our website: Orange Real Estate - homes with views, some of the best in Orange County. 08/08/2009

RE/MAX Homes & Estates Pre-Foreclosure Division 9241 Irvine Boulevard, Suite 150, Irvine, California 92618 (714) 588 -7676 ∙  www.orangecountyshortsalerealtor.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 appr... 08/06/2009

The $8,000 First-Time Home Buyer Tax Credit Expires December 1, 2009 If you're planning to claim use the credit and haven't started looking for a home, your clock is officially ticking.  You must be closed on your new home on or before December 1. Because purchase closings come 60-days standard, therefore, your $8,000 is in jeopardy unless you go under contract prior to October 2, 2009.  That's 73 days from now. Use it or lose it. The First-Time Home Buyer Tax Credit is part of the American Recovery and Reinvestment Act of 2009.  In it, Congress authorized a first-time homebuyer tax credit of up to $8,000 for home buyers meeting certain qualifying criteria.  The program's goal was to stimulate entry-level home purchases and, by most measures, the plan has been successful. First-time hom... 07/21/2009

On Facebook awhile back I asked for suggestions about what people want to know regarding Real Estate.  The most emphatic reply was:  "THE TRUTH!"  Well, here it is:  "I DON'T KNOW!" •·         I don't know when the banks are going to release all the foreclosed homes they are holding. •·         I don't know when the market is going to bottom out. •·         I don't know what interest rates are going to be. •·         I don't know how many offers there will be on the Bank Owned home you really want, or if they will select yours. •·         I don't know if the short-sale will ever be approved by the bank. •·         I don't know if you will ever win the lottery! Whew, now that we got that out of the way, let's talk about what I DO know: •·         I know I submitted 22 offers this year fo... 07/14/2009

When visitors discover my lovely neighborhood in the hills of Orange I almost always hear:  "Wow, I never knew!"   Flanked by prestigious Lemon Heights, Cowan Hills, Tustin Ranch, and Orange Park Acres, East Orange is a surprising gem and an excellent value. It was built from 1986 and 1992 and looks much like bordering Tustin Ranch, but with a more spacious and park like atmosphere.  Climbing up the hill headed East on Chapman Blvd., Orange Hill Restaurant stands guard over East Orange.  Just below the crest is Orange Park Acres with its abundant flora and fauna, dirt horse trails, and winding trails connecting nearby Santiago Hills.    The community is rich in education and recreation.  Santiago Canyon College is located directly across Chapman Avenue from Santiago Hills, and is expan... 06/23/2009

Successful Orange Short Sale!! The sellers owned the home for approx 12 years and did refinance. The seller came to me 7 days prior to their trust deed sale date. (Auction date) They had one mortgage at 748k The value of the home was 425k The bank accepted 360k cash offer We closed escrow on the Orange short sale 7 days from the date I listed the property. This short sale was completed in 7 days. This is an unusual circumstance. The lender paid all the closing costs and the sellers received a full settlement.   Thinking of short selling your home list with an expert.   www.orangecountyshortsalerealtor.com for more info. Your Orange County Short Sale Realtor   06/15/2009

RE/MAX Homes & Estates Pre-Foreclosure Division 9241 Irvine Boulevard, Suite 150, Irvine, California 92618 (714) 588 -7676 ∙  www.orangecountyshortsalerealtor.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 credi... 06/10/2009

 CALIFORNIA ASSOCIATION OF REALTORS (CAR) launches mortgage protection programfor First Time Buyers! Through the C.A.R. Housing Affordability Fund's Mortgage Protection Program, first-time home buyers who lose their jobs due to layoffs may be eligible to receive up to $1,500 per month, for six months, to help make their mortgage payments. A qualified co-buyer also can participate in the program, and receive a monthly benefit of $750 per month for up to six months. Program benefits also include coverage for accidental disability and a $10,000 death benefit. For more information including eligibility requirements please visit www.car.org/aboutus/hafmainpage/carhafmortgageprotection/ 06/03/2009

Inventory is low, we are seeing multiple offers on almost all active listings that are priced right, especially $500,000 or below.  Rates are good now, Buyers need to take advantage of the market 06/01/2009

New to Orange? Zulma's Favorite Spots in the OC- Salon Gabriel Anthony If you're new to Orange and in need of a great new salon then Salon Gabriel Anthony is your best bet. Although I've lived in Orange County for three years now, I still hadn't found a stylist or salon that I absolutely loved. That is of course, until I found Salon Gabriel Anthony which I absolutely love! I actually found Salon Gabriel Anthony by accident while having lunch in Old Town Orange in December 2008. I was looking for a former builder that was now gone and in it's place was this hip new salon. I walked in and was greeted by the owner, Gabriel Anthony, who was kind enough to let me know where the previous tenant had gone. Unhappy with my current cut I looked around this gorgeous salon and scheduled an appointm... 06/01/2009