PARADISE, CHICO, OROVILLE HOME BARGAINS, ZERO DOWNPAYMENT HOMES OAC Are you a BUYER looking for a BRAND NEW HOME. Would you like the LOOK, FEEL and upto date ENERGY EFFICIENCY of a new home. Look no further.  USDA Rural Home loans combined with today's unique market make what seemed impossible now possible.  This program allows for ZERO DOWN PAYMENT.  Existing Homes and property for the construction of your BRAND NEW HOME are available.  NO Manufactured Homes here, NO, NO. These are Site Built Homes.  United State Department Of Agriculture USDA home loans guarantees up to 102% Paradise,Chico Oroville Homes For Sale                                                                  Buyer's in the market for a new home, with limited funds available for down payment, would do well to conside... 10/22/2009

102% USDA HOME LOANS PARADISE CA OROVILLE HOMES FOR SALE  United State Department Of Agriculture USDA home loans guarantees up to 102% PARADISE CA  Oroville Homes For Sale                                                                                                                                 Buyer's in the market for a new home, with limited funds available for downpayment, would be well advised to consider the USDA Rural Home Loan program. Zero downpayment is possible with this loan program.  These loans are designed for low to moderate income families. For example in the California North State the income range for a family of 4 is $46,650 to $73,600.  FICO scores of 620 are generally required.  USDA Rural Home Loan guaranteed loans have fixed interest rates with a 30 year term.... 10/07/2009

Attended a Bean Feed lately, both Saturday and Sunday lunch menu included what else beans, a roll and dessert.  Don’t forget to bring a five dollar bill, cuz that is what lunch cost this year at the Gold Nugget Museum in Paradise California. After eating all those beans you sure might need to kick up your heels at the Boot & Hoops Dance held at the Paradise Senior Center on Saturday, April 19, from 7:00 to 10:00.  Music will be provided by Good Country.  Tickets are $5.00.   Making it's debut at 11:00 a.m. on Sunday, April 19 at the Paradise Community Park, The Dogtown in the Park event will include fun dog activities like paw painting and ball bobbing and more.   Don't forget to enter your best friend in the Doggone Doggy Contest.   Where you best friend could win prizes for the Smarte... 02/15/2009

GOLD FEVER If you got "GOLD FEVER"  you must be attending the Gold Nugget Days in Paradise California.  This year is expected to be even more celebritorial with the anniversary of the discovery of the "Dogtown Nugget".  When is it?  Saturday, April 18, to Sunday, April 26Wow, that is nine days of activities including Kickoff Weekend: Saturday, April 18 and Sunday, April 19 The festivities begin Saturday, April 19 at 11 a.m. the Law Dawgs and Pistoleros are causing mischief including holding up an unsuspecting stage coach with it's load of newly discovered gold nuggets stashed under the seat of the stagecoach driver.  Startled by all the shooting.  Like watching an old western movie up close.  It is sure to delight young and old at the Gold Nuggert Museum.   02/15/2009

Hello All, I have a Treo 680 and Agent Office works fine with it.  I am considering an iphone or a Blackberry Bold.  Does anyone know if Agent Office will work with either of those. Thanks for your help. Cindy Haskett Coldwell Banker Ponderosa PS. For those who dont know, Agent Office is a contact management system.  I like much better than Top Producer.     01/06/2009

  How to price against REOs and Short Sales How to step it up and compete against short sale and foreclosure properties If you are selling a house in a market saturated by REO (bank owned) and short sales, it’s time The choice you are making is how serious you are about selling your house. Do you need to sell your house today or are you listing it ”just to see what you can get?” If it’s the latter, you might want to reconsider your choice to list your house. If it’s the former, roll up your sleeves–I have some action items for you. Selling a house isn’t easy, but it can be easier depending on your level of commitment and cooperation. In a market where your main competition is REO and short sale properties, you need to:  Price your house to sell. Make sure it’s competitive against the ... 01/02/2009

  5 Must Do’s Every For Sale By Owner Must Know 1) Remember to put away valuables and lock up expensive personal belongings. Although most people looking at your home will be legitimate home buyers, some people may be on the prowl to see what you have. Make sure you don’t provide any type of opportunity for the wrong person to see items of interest. 2) Have the proper forms ready to go. You are selling your home on your own and it is important to remember that some buyers are ready to buy on the spot and if you wait too long the interest could cool down and buyer’s remorse could set in. If you are planning on being a for sale by owner, you need to be ready for the proper forms to be completed and signed so that your potential buyer can be locked in place before they find another proper... 01/02/2009

  For Sale by Owner Congratulations on your decision to sell! Many homeowners decide to market their own homes in order to save money by not paying the real estate agent's professional fee for services. Frequently, the job is extremely difficult because of emotional involvement. Retaining objectivity throughout negotiations with a buyer is not always easy. Even if successful, will you ever know with certainty that you received the highest possible price? I can assist in this process by getting price data on sold comparable properties and helping you to develop a marketing plan for your home. First, identify its selling features; then decide who the potential buyers are and how they can be reached. Should you advertise, and if so, in which publications? Should you conduct a mass mailing... 01/02/2009

  Free - No Obligation CMA For Your Home Have you been thinking about selling your home but wanted to know how much it is worth before making your final decision? If so, consider requesting a free CMA. What is a CMA? It is a comparison of sales prices of similar properties in a given area for the purpose of determining the fair market value of a property. It's the method real estate professionals use to determine the value of a home for both sellers and buyers. The report will include the following information. 1. What buyers have recently paid for homes similar to yours in your local area. 2. What sellers are currently asking for homes similar to yours in your local area. With this information you will know what you can expect to receive when selling your home in today's market. To re... 01/02/2009

  How much money will I have to come up with to buy a home? Answer: Well, that depends on a number of factors, including the cost of the house and the type of mortgage you get. In general, you need to come up with enough money to cover three costs: earnest money - the deposit you make on the home when you submit your offer, to prove to the seller that you are serious about wanting to buy the house; the down payment, a percentage of the cost of the home that you must pay when you go to settlement; and closing costs, the costs associated with processing the paperwork to buy a house. When you make an offer on a home, your real estate agent will put your earnest money into an escrow account. If the offer is accepted, your earnest money will be applied to the down payment or closing costs. ... 12/12/2008

  Can I become a homebuyer even if I have had bad credit and don't have much for a down-payment? Answer: You may be a good candidate for one of the federal mortgage programs. Start by contacting one of the HUD-funded housing counseling agencies that can help you sort through your options. Also, contact your local government to see if there are any local homebuying programs that might work for you. Look in the blue pages of your phone directory for your local office of housing and community development or, if you can't find it, contact your mayor's office or your county executive's office. www.TammyVertrees.com 12/12/2008

  Why should I buy, instead of rent? Answer: A home is an investment. When you rent, you write your monthly check and that money is gone forever. But when you own your home, you can deduct the cost of your mortgage loan interest from your federal income taxes, and usually from your state taxes. This will save you a lot each year, because the interest you pay will make up most of your monthly payment for most of the years of your mortgage. You can also deduct the property taxes you pay as a homeowner. In addition, the value of your home may go up over the years. Finally, you'll enjoy having something that's all yours - a home where your own personal style will tell the world who you are. www.TammyVertrees.com 12/12/2008

  Will Real Estate Values ever begin to appreciate again? When will the nation’s property values begin to appreciate again? This is the $64,000 question that real estate professionals, investors, and mortgage professionals would like to know. The truth is nobody can accurately predict the return of the real estate market. Like everyone else, I can’t predict the end of this crisis either, but what I can do is tell you what will have to happen to facilitate that change. The answer is quite simple: America must reinvest in herself once again. Without an investment, real estate is as worthless as the Dollar is today. Think back, or read a history book, about how families in the ’40s and ’50s used to buy homes. Young couples lived with Mom and Dad during the “courtship” prior to getting mar... 12/12/2008

  Now is a great time to buy a home Your time has arrived to get the house you have dreamed about in the location of your choice. With the state of the current market, buyers can negotiate better prices and terms on homes that have been on the market for an extended period due to a number of reasons, most leading back to the economy. Sellers need to liquidate in order to make ends meet, prices are down, and interest rates low. www.TammyVertrees.com 12/05/2008

  Why you should buy Real Estate NOW! Credit Unions To The Rescue by Broderick Perkins Courtesy of Realtytimes Been down to your friendly neighborhood credit union lately? You could find that elusive home loan you been unable to get anywhere else. Credit unions didn't need a bail out during the Great Depression, they didn't need federal intervention during the Savings & Loan debacle and they don't need government assistance now. In fact, right now, they are rolling out the red carpet for home loan borrowers. For a professional, experienced agent that practices honesty & integrity, give me a call for a free consultation: 530-872-5428. I love helping my buyers & sellers with their Real Estate goals! www.TammyVertrees.com Learn from yesterday, live for today, hope for tomorrow. Paradise, ... 11/07/2008

  Why you should buy Real Estate NOW! Interest rates are down, making housing more affordable. With the national average rate for a 30-year conventional fixed-rate mortgage at around 6 percent, a buyer can save thousands over time. For example, a $200,000 loan amortized over 30 years at 5.9 percent interest will carry a monthly principal and interest payment of $1,186.27. Let’s say you’re waiting for the price to drop, however, and you buy the property for $190,000. Sure, you’ve saved $10,000 initially, but in the meantime the interest rate climbs to 7 percent, and your monthly payment increases to $1,264.07. By missing out on the lower interest rate today, you pay an extra $28,008 over the 30-year life of the loan. In case it bears repeating, now is the time to obtain a fixed-rate amo... 10/17/2008

  Catching the Perfect Wave: Timing the Market Savvy investors know that markets expand, peak, contract, and hit rock bottom. By understanding the four phases, as well as their signs and influences, an investor can time his entry in and out of a market. Ideally the time to buy is at the bottom, during the absorption phase, or early in the transition to a growth phase. And the time to sell is at the high point of growth, before saturation begins to have an effect. It sounds simple in theory. Just buy low and sell high! However, timing your most profitable entry and exit points can be challenging in practice. An investor must fight his natural tendency to follow the herd. When everyone else is in a euphoric buying mode, you might want to consider selling to lock in profits. Alternatively... 10/17/2008

  For Sale by Owner vs. Using a Realtor Multiple Listing Service Your listing contract should specify whether or not the house will be listed with the local MLS (multiple listing service). It is definitely in your interest to have the house listed. This is because your sales force is automatically multiplied by however many agents are members of the local MLS. If your house is not listed, then you only have one agent working for you instead of many. This is where selling "by owner" generally fails. Owners see that an agent puts a sign in the yard, prepares brochures, holds open houses, advertises in the paper and on the internet and they think this is how houses are sold. It is easy to understand why owners believe that, but it just isn't so. Listing agents do those things for three ma... 10/11/2008

  What Happens Behind the Scenes If you start out with too high a price on your home, you may have just added to your stress level -- and selling a home is stressful enough. There will be a lot of "behind the scenes" action taking place that you don’t know about. Contrary to popular opinion, the listing agent does not usually attempt to sell your home directly to a homebuyer. That would be inefficient. Listing agents market and promote your home to the hordes of other local agents who do work with homebuyers, dramatically increasing your personal sales force. During the first couple of weeks your home should be a flurry of activity with buyer’s agents coming to preview your home so they can sell it to their clients. If the price is right. If you and your agent have overpriced, fewer ag... 10/11/2008

  When Your Selling Price is too High, Beware! Meeting With Realtors So you’ve decided to sell your home and have a fairly good idea of what you think it is worth. Being a sensible home seller, you schedule appointments with three local listing agents who’ve been hanging stuff on your front doorknob for years. Each Realtor comes prepared with a "Competitive Market Analysis" on fancy paper and they each recommend a specific sales price. Amazingly, a couple of the Realtors have come up with prices that are lower than you expected. Although they back up their recommendations with recent sales data of similar homes, you remain convinced your house is worth more. When you interview the third agent’s figures, they are much more in line with your own anticipated value, or maybe even higher. S... 10/11/2008