Short Sale Rocklin-Writing a Hardship Letter When selling your Rocklin home as a short sale, your lender will ask you to write a hardship letter explaining why you can no longer afford to pay the mortgage on your home.  The hardship letter is an important part of the short sale process. Learn how to write the best possible hardship letter for your Rocklin short sale: Make your hardship letter clear, consise, and no longer than one page. 1.  Brainstorm about all the financial reasons why you can no longer afford your Rocklin home.  This includes job loss, reduction of hours, pay reduction, school tuition expense, medical expenses, increased property taxes, credit card debt, etc.  2. Paragraph One:  State a change.  In this paragraph mention what change has taken place to no longer afford... 01/07/2011

Rocklin School District-What School Will Your Child Attend? Rocklin CA has some of the top public schools in California.  With kindergarten registration starting in February, now is the time to determine what school your child will attend! Click here to verify what Rocklin school your child will attend. If you don't live in Rocklin but are looking for a great public school for your little one, perhaps you should consider making a move!  Not only does Rocklin have top-ranking schools, but it's also a gorgeous, friendly, and fun place to live! Search for homes for sale in Rocklin or contact Allan Sanchez for a tour of Rocklin and available homes that fit your budget!   Rocklin School District-What School Will Your Child Attend? 01/06/2011

Rocklin, CA - Foreclosures / Bank Owned Homes / REO Properties (December 27-30, 2010) Here is a list of foreclosures in Rocklin, California (Placer County) that became bank owned during the week of December 27-30, 2010 (there were no trustee sales on December 31, 2010): 4501 Pheasant Lane, Rocklin, CA 95765 (3/2, 1874 sq. ft. built in 2000) 5065 Village Oaks Drive, Rocklin, CA 95677 (2/2, 1408 sq. ft. built in 1975) 3225 Midas Avenue, Rocklin, CA 95677 (4/3, 2024 sq. ft. built in 1974) 1646 Albatross Way, Rocklin, CA 95765 (4/3, 2530 sq. ft. built in 2003) In comparison, there were 3 properties in Rocklin, California that went back to the bank last week. Some of these REO properties may soon be listed on the market, so consider this an sneak preview of future foreclosure listings in Roc... 01/02/2011

Buy a Short Sale Home in Rocklin It's a Buyers Real Estate Market and often the best deals, with the most room for negotiating come from short sale listings.  A short sale is when a seller owes more on their home than it's worth and must sell, negotiating with the lender to accept less than the mortgage amount. As a Rocklin short sale buyer, your best chance for a successful short sale starts with hiring a Rocklin short sale expert.  Real estate agents who specialize in short sales know  how to best navigate a short sale on the buyer's behalf. Duties for a Rocklin Short Sale Buyer's Agent: When buyers write an offer on a Rocklin short sale, they typically want some kind of assurance that their offer will be presented, accepted, submitted to the bank, approved by the bank, and closed.  T... 01/02/2011

Even Howie Mandel would say “Deal!” to an undervalued home on the market in Rocklin, California. Considering the recent chaos in the housing market and the controversy of sub-prime loans and loan-shark lenders, even desirable cities like Rocklin have their share of foreclosures and short-sale properties. That’s the bad news.Foreclosures and Short SalesThe good news is that buyers willing to take the added risk of dealing with foreclosures and short-sales can get their hands on some real estate treasures. Banks are looking to get as much of their investment back as possible but they also recognize the volume of homes on the market. The Rocklin real estate market is not glutted with homes as many areas are, but there are plenty of excellent properties going for much less than their assess... 12/29/2010

Rocklin Short Sales-Avoid Deficiency Judgment What is a deficiency judgment?  A deficiency is the amount of the principle mortgage LESS the amount the bank receives from a short sale.  A deficiency judgment is when the lender tries to collect some or all of the deficiency after the short sale closes.  Attention Rocklin Short Sale Sellers.... you DO NOT want to agree to a short sale if the bank wants to include a deficiency judgment in the short sale approval letter.  The short sale approval letter will say something like this:  The lender or its investors may pursue a deficiency judgment for the difference in the payment received and the total balance due. As a Rocklin short sale agent, I will never advise my short sale sellers to accept a deficiency judgment, EVEN if that means the sho... 12/29/2010

Rocklin, CA - Foreclosures / Bank Owned Homes / REO Properties (December 20-23, 2010) Here is a list of foreclosures in Rocklin, California (Placer County) that became bank owned during the week of December 20-23, 2010 (there were no trustee sales on December 24, 2010): 3455 Midas Avenue, Rocklin, CA 95677 (3/2, 1871 sq. ft. built in 1977) 4605 5th Street, Rocklin, CA 95677 (4/2, 1414 sq. ft. built in 1979) 6300 Westwood Drive, Rocklin, CA 95677 (3/2, 1599 sq. ft. built in 1963) In comparison, there were 3 properties in Rocklin, California that went back to the bank last week. Some of these REO properties may soon be listed on the market, so consider this an sneak preview of future foreclosure listings in Rocklin, California! Please contact Bob Souza at (925) 513-3400 or Leilani Souza a... 12/28/2010

Short Sale Rocklin - Short Sales are on the rise in Rocklin and account for the largest percentage of available homes on the market today. There are 226 Short Sales that are unsold out of 449 total homes for sale in Rocklin. I expect these numbers to soar in 2011.  Unfortunately, only 22 Rocklin short sale homes sell every month, on average. That's less than 10% of the available Rocklin short sales listings!  In addition, 123 Short Sales in Rocklin have expired or have been withdrawn in the last 6 months alone, some due to foreclosure. It is very important to choose an experienced Short Sale Agent for your Short Sale in Rocklin. Can the agent provide recent short sale approval letters? Are they negotiating the deals themselves or are they farming out to a third party negotiator?  How of... 12/27/2010

How to Choose a Power of Attorney for Your Signing I recently had a Sacramento home purchase deal that was delayed by the lender's requirement for a second appraisal.  As we neared the close of escrow date, I got the following email from the buyers' agent: "Hey, Ed!  Are we going to close this by the 27th?  The buyers are leaving the country for a month-long vacation beginning on the 29th." The lender was not able to get the docs to escrow until the day after the buyers' departed. So, when buyers are not available to sign, is the only option to put the transaction on hold until they are available again?  Not necessarily.  If the buyers will be unavailable for an extended period and lender will permit it, the buyer may be able to have a Power of Attorney (POA) sign for them. The specifi... 12/24/2010

Short Sale Process Rocklin Short Sales in Rocklin are becoming a more common and successful way to sell a home.   Here is the Rocklin short sale process for both sellers and buyers: Short sale process for Sellers:  1. Contact an experienced Rocklin real estate agent who is an expert selling short sales.  They will meet with you and discuss your options for a loan modification or short sale to prevent foreclosure. 2. If you decide to list your Rocklin home as a short sale, your short sale agent will collect your financial data (bank statements, tax returns), hardship letter, and short sale authorization form (necessary so your agent can speak with the lender).  3. Your Rocklin short sale agent will list your home on MLS at a strategic listing price in order to get a quality offer from a ... 12/22/2010

Rocklin, CA - Foreclosures / Bank Owned Homes / REO Properties (December 13-17, 2010) Here is a list of foreclosures in Rocklin, California (Placer County) that became bank owned during the week of December 13-17, 2010: 3069 Strand Road, Rocklin, CA 95765 (4/3, 2485 sq. ft. built in 1990) 4917 Dewey Court, Rocklin, CA 95677 (4/2, 2272 sq. ft. built in 1989) 5114 Camden Road, Rocklin, CA 95765 (3/3, 2203 sq. ft. built in 1992) In comparison, there were 4 properties in Rocklin, California that went back to the bank last week. Some of these REO properties may soon be listed on the market, so consider this an sneak preview of future foreclosure listings in Rocklin, California! Please contact Bob Souza at (925) 513-3400 or Leilani Souza at (916) 408-5500 if you are interested in buying forec... 12/21/2010

West Rocklin Short Sale - Mark Peek recently received a question from Gary. "Why would I do a short sale instead of saving the monthly payments and letting it go into foreclosure?" Gary asked. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. Here is the answer. If you stop paying your mortgage, then you can live in your home rent free for 12-24 months, depending on the state you are located within. I have seen lenders wait a year after the first missed payment just to file for foreclosure. Yes, you can live in your house for free for a long time. However, a short sale has many advantages over a foreclosure. It does less damage to your credit and allows you to buy another home in 2 years versus the 5-7 years after a foreclosure. If you want ... 12/21/2010

Short Sale Help Rocklin If you're a Rocklin homeowner who owes more on their home than the home is worth AND you need to sell, you should certainly consider a short sale. If you short sale your Rocklin home, instead of foreclose, you'll be eligible to purchase a new home much quicker.  The faster you complete your short sale, the less damage it will do to your credit score.  Contact a Rocklin short sale agent to better understand the short sale process.  A Rocklin short sale expert can give you the help you need to better understand your situation and can also refer you to a reasonably priced real estate attorney who can better help you with any possible legal consequences.  Click here to read about short sale myths. See if you qualify for a Rocklin short sale. Short Sale Help Rocklin   12/21/2010

Rocklin, CA - Foreclosures / Bank Owned Homes / REO Properties (December 6-10, 2010) Here is a list of foreclosures in Rocklin, California (Placer County) that became bank owned during the week of December 6-10, 2010: 6212 Arctic Loon Way, Rocklin, CA 95765 (4/3, 2606 sq. ft. built in 2001) 5703 River Run Circle, Rocklin, CA 95765 (3/2, 1375 sq. ft. built in 1987) 5874 Devon Drive, Rocklin, CA 95765 (3/3, 1784 sq. ft. built in 1991) 3001 Beachcomber Drive East #1053, Rocklin, CA 95577 (1/1, 754 sq. ft. built in 1994) In comparison, there were 5 properties in Rocklin, California that went back to the bank last week. Some of these REO properties may soon be listed on the market, so consider this an sneak preview of future foreclosure listings in Rocklin, California! Please contact Bob Sou... 12/14/2010

What is My Home Worth Rocklin CA Contact Allan Sanchez for a FREE evaluation of your Rocklin home's worth.  No appointment necessary.  Just need the address and a brief description to give you an accurate range of your home's value.  To get the most accurate value of your Rocklin home, look at the most recent SOLD comparables. Just Sold in Rocklin CA 95677  1. 3022 Springview Meadows Drive.  3 Bedrooms, 2.5 Baths, 1,494 square feet.  SOLD 12/3/10 for $184,200 2.  5785 Casa Grande Ave.  3 Bedrooms, 1.5 Baths, 1,487 square feet.  SOLD 12/7/10 for $195,000. 3.  5084 Midas Ave.  4 Bedrooms, 3 Baths, 2,254 square feet.  SOLD 12/3/10 for $273,000 4.  3702 Independance Place. 5 bedrooms, 3 Baths, 2,833 square feet.  SOLD 12/7/10 for $299,900. 5.  6323 Galaxy Lane.  4 Bedrooms, 2.5 Baths, 2,871... 12/09/2010

For Sale By Owner Rocklin CA Are you considering selling your home without a Rocklin real estate agent?  A For Sale By Owner or FSBO may sound like a good idea because of the saved real estate commission, but is it? For Sale By Owner Statistics: * 86% of FSBO's eventually end up listing with a real estate agent. * The 14% of FSBO's who are successful will get earn an average of 12%-15% less for their homes.  That's a lot more than any real estate commission. *75% of real estate lawsuits involve buyers and sellers without representation. * Buyers are hesitant to work with a FSBO seller without their own representation.  * A For Sale By Owner home is much less exposed to the market than comparable homes listed with a Rocklin real estate agent. Don't spend your time trying to sell your Roc... 12/07/2010

Rocklin, CA - Foreclosures / Bank Owned Homes / REO Properties (November 29 - December 3, 2010) Here is a list of bank owned homes in Rocklin, California (Placer County) that foreclosed during the week of November 29-December 3, 2010: 4701 Gatwick Court, Rocklin, CA 95677 (3/2, 2005 sq. ft. built in 1999) 6102 Marlee Circle, Rocklin, CA 95677 (3/3, 1381 sq. ft. built in 1999) 5722 Cobblestone Drive, Rocklin, CA 95765 (4/3, 1814 sq. ft. built in 1988) 6316 Mallard Court, Rocklin, CA 95765 (4/3, 2606 sq. ft. built in 2002) 5463 Havenhurst Circle, Rocklin, CA 95677 (3/3, 1510 sq. ft. built in 1996) In comparison, there were 4 properties in Rocklin, California that went back to the bank last week. Some of these REO properties may soon be listed on the market, so consider this an sneak previ... 12/06/2010

Whitney Ranch Rocklin is a New Home community adjacent to Whitney Oaks and Stanford Ranch, located in Rocklin, CA.  Whitney Ranch has several amenities including Whitney Community Park, Highly rated Rocklin Schools, and the clubhouse, known as "The Ranch House." There is a Community Pool as well for those hot summer days. The parks are large, and trails lead to beautiful open space. Whitney Ranch Rocklin is located nearby Employment centers, and within close proximity to shopping in Roseville at the Galleria Mall or The Fountains. Condos are affordably priced for those starting out.  The community also has a large selection of single family homes that will meet most family budgets.  Looking for an Estate sized home without the Estate price tag?  There is a gated community within featuri... 12/06/2010

Find a Real Estate Agent Rocklin CA Do you want to buy or sell a home in Rocklin?  First, you need to find a real estate agent! Interview at least 3 agents to find the right real estate agent for you.  There are great agents and not so great agents.  By meeting with a few agents, you will get a better feel for who is the right Rocklin real estate agent for you! Allan Sanchez-Rocklin Real Estate Agent  Over 650 homes SOLD Full time Realtor for last 12 Years Top 1% sales of agents Nationwide Master's Club Member Degree from CSUS in Economics & Business I love helping people buy and sell homes in the Rocklin area.  I'm available 7 days a week, 16 hours a day.  I would love the chance to interview with you at your home or my office to see if we're a good match for each other.     (Allan & F... 12/03/2010

Stanford Ranch Short Sale – Wiki Leaks Editor, Julian Assange, recently said he would be releasing documents on a large US Bank. We decided to beat him to it and release some information on how a large US Bank caused their client to lose an estimated 40k because of their incompetence. Discover how other sellers successfully did a Stanford Ranch Short Sale to avoid foreclosure by clicking here. This is a house that we drive past every day on my way to work. We noticed that it look abandoned. We looked up the owner to see if they might want to sell the house. That’s when I saw that the home had already been foreclosed. The house was foreclosed on February 4th, 2009. That’s almost a two years ago. Since we didn’t know who the lender was, we forgot about the house. But, it was a great examp... 12/02/2010