Roseville, CA - Foreclosures / Bank Owned Homes / REO Properties (December 27-30, 2010) Here is a list of foreclosures in Roseville, California (Placer County) that became bank owned during the week of December 27-30, 2010 (there were no trustee sales on December 31, 2010): 125 Tanager Court, Roseville, CA 95747 (4/3, 2231 sq. ft. built in 2002) 1681 Diamond Woods Circle, Roseville, CA 95747 (4/3, 2703 sq. ft. built in 2004) 1315 Sheffield Way, Roseville, CA 95661 (3/2, 1138 sq. ft. built in 1961) 895 Trehowell Drive, Roseville, CA 95678 (4/3, 2214 sq. ft. built in 2005) 301 Gibson Drive #817, Roseville, CA 95678 (1/1, 620 sq. ft. built in 2004) 2016 Trailee Court, Roseville, CA 95747 (4/2, 2119 sq. ft. built in 1994) 1391 Blue Oaks Boulevard, Roseville, CA 95678 (44,866 sq. ft. of comm... 01/02/2011

Buy A Home Roseville-Steps to Buying a Roseville CA Home You already know you want to buy a home in Roseville CA.  Roseville is an exciting suburb with tons to offer.  It has top notch schools and well maintained parks.  It is has the best shopping, restaurants, and freeway access.  Steps for Buying Your New Roseville Home: 1. Online Search-Roseville Homes For Sale 90% of buyers find their new home online first.  Time to get excited and start your new home search.  Search Roseville homes for sale and sign up to get the newest listings in your email inbox as soon as they hit the market.  Spend this time getting familiar with the Roseville neighborhoods you like, the current home prices, and best of all the style of home you want.  2. Prequalify With a Lender  How much home can you afford... 01/01/2011

Christmas Tree Recycling for Residents of Roseville, CA The City of Roseville will recycle Christmas trees of Roseville residents into compost or wood chips. Simply place unflocked Christmas trees in your City of Roseville green waste bin and be sure to remove all branches and cut the trunk so that it fits in the bin with the lid closed. If you are unable to dispose of your Christmas tree in your City of Roseville green waste bin, you may also bring your unflocked Christmas tree to the following drop-off sites on January 1-2, 2011 or January 8-9, 2011: Maidu Park - 1550 Maidu Dr, Roseville, CA 95661 Mahany Park - 1545 Pleasant Grove Blvd, Roseville, CA 95747 Washington Boulevard - across the All American Raceway in Roseville, CA As a community service and fundraiser, Roseville's Boy Sco... 12/30/2010

Roseville, CA - Foreclosures / Bank Owned Homes / REO Properties (December 20-23, 2010) Here is a list of foreclosures in Roseville, California (Placer County) that became bank owned during the week of December 20-23, 2010 (there were no trustee sales on December 24, 2010): 2220 Belvedere Circle, Roseville, CA 95678 (5/5, 4156 sq. ft. built in 2001) 629 Lunardi Way, Roseville, CA 95678 (3/2, 1160 sq. ft. built in 1989) 929 Parry Street, Roseville, CA 95678 (2/1, 1009 sq. ft. built in 1952) 1337 Trevor Court, Roseville, CA 95678 (3/2, 1202 sq. ft. built in 1996) 470 Diamond Oaks Road, Roseville, CA 95678 (3/2, 1202 sq. ft. built in 1996) In comparison, there were 11 properties in Roseville, California that went back to the bank last week. Some of these REO properties may soon be listed o... 12/28/2010

Roseville Short Sale Agent - Short Sale Inventory is Rising in Roseville, CA - Mark Peek, reports that Short Sales are on the rise in Roseville and account for a substantial amount of available homes on the market today. There are 506 Short Sales that are unsold out of 948 total homes for sale in Roseville. I expect these numbers to soar in 2011. Unfortunately, only 45 Roseville short sale homes sell every month, on average. That's less than 10% of the available Roseville short sale listings! In addition, 541 Short Sales in Roseville have expired or have been withdrawn in the last 6 months alone, many due to foreclosure. It is very important to choose an experienced Short Sale Agent for your Short Sale in Roseville . Can the agent provide recent short sale approval letters? Are they neg... 12/27/2010

  Short Sale Process - Roseville Agent, Mark Peek, answers one of the first questions a potential short sale seller asks us. “I heard of something called “forgiveness of debt income and that it is taxable. How does that work?” they ask. The following article is my personal opinion only. I recommend that you consult with a competent legal or tax professional before moving forward with a short sale. In most cases the answer is that a short sale will usually not cause you to owe income tax. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. It used to be that you owed income tax on any forgiveness of debt. When a lender decides to forgive all or a portion of a borrower's debt, the forgiven amount is considered as income for the borrower and is l... 12/27/2010

Short Sale Realtor Roseville How to Chose a Short Sale Realtor in Roseville It seems like every Realtor in Roseville is claiming to be a Short Sale Specialist or the #1 Real Estate Agent.  In reality there are a handful of Roseville Realtors that are actually capable of selling your home as a short sale.  There are many Roseville Realtors who will take your short sale listing and refer it to a 3rd party short sale negotiator for a percentage of the commission.  The problem with this strategy is that these agents are not accountable to the seller because they have little idea of what is really going on with the short sale negotiation.  Questions to ask your potential Short Sale Realtor : 1.  Can you explain the Short Sale Process?  A Roseville short sale Realtor should be able to clearly... 12/23/2010

Short Sale Roseville - GMAC, was the financing arm of General Motors. It was taken over by Uncle Sam and has been mostly privatized as Ally Financial. However, many people still have loans from the original GMAC. Some of these homeowners want to short sale, but are curious about how it works. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. A GMAC short sale is not too much different from other short sales. To start a short sale with GMAC, first call them at the 800 number on your most recent statement. That number is currently 800-850-4622. Most of GMAC's loans have been sold. The first thing you or your short sale realtors should do is find out who owns the loan now. On our last GMAC short sale, the loan had been sold to a Wall Street "S... 12/22/2010

Roseville, CA - Foreclosures / Bank Owned Homes / REO Properties (December 13-17, 2010) Here is a list of foreclosures in Roseville, California (Placer County) that became bank owned during the week of December 13-17, 2010: 501 Gibson Drive #1512, Roseville, CA 95678 (1/1, 851 sq. ft. built in 2003) 508 Sierra Boulevard, Roseville, CA 95678 (3/2, 1182 sq. ft. built in 1974) 1675 Vernon Street #68, Roseville, CA 95678 (2/1, 807 sq. ft. built in 1987) 701 Gibson Drive #1017, Roseville, CA 95678 (2/2, 1060 sq. ft. built in 2002) 3332 Apollo Circle, Roseville, CA 95661 (3/3, 1515 sq. ft. built in 1998) 420 Community Drive, Roseville, CA 95678 (4/3, 2907 sq. ft. built in 1990) 1456 Deerfield Circle, Roseville, CA 95747 (3/2, 1265 sq. ft. built in 1988) 4921 Waterstone Drive, Roseville, CA 95... 12/21/2010

Short Sale Roseville-Hardship Letter When selling your Roseville 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 Roseville 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 Roseville 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 y... 12/21/2010

Cirby Hills Short Sale - Mark Peek recently received a question from Tom. "Why would I do a short sale instead of saving the monthly payments and letting it go into foreclosure?"Tom 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 the ... 12/21/2010

I feel so bad for the store owners and managers at Westfield Galleria in Roseville!  It is a beautiful mall with 240 stores, including many high-end boutiques, and many people from all over the Sacramento area head there for their Christmas shopping.  Unfortunately it has been the scene of some real drama this shopping season.  Chapter 1:  You may have heard on most of the national news outlets that on October 21, 2010 a mentally ill person started a small fire in the mall in an attempt to call attention to his need for help.  He had lost his job, had no insurance, and couldn’t afford his medication.  He had tried and tried to get help to no avail and being off his meds he didn’t know what to do.  Not an excuse, but just a tragedy all around. Anyway, the fire escalated, then a maintenan... 12/21/2010

West Roseville Short Sale – Maybe this is a pet peeve of mine. Or maybe it just seems ridiculous that someone would call a debtor over and over again asking to be paid, when they have already been told the debtor doesn’t have the money to pay them. Or maybe it is the fact that I see countless examples of debt collectors breaking the Fair Debt Collection Practices Act. But, no one seems to care that they are breaking the law. The Fair Debt Collection Practices Act forbids collectors from threatening to sue you, but then not following thru and actually filing suit. To get around this rule, they will use language that sounds legal, but isn’t. In one situation, a debt collection firm in Buffalo, New York named their firm Hoffman, Weinberg & O’Brien to make it sound like they were a law firm... 12/16/2010

Roseville Short Sale Specialist – If homeowner’s have a bill of rights, then bankers must have one as well. We decided to put together the Banker’s Bill of Rights. That way they wouldn’t feel left out. Let me know if we should put this together and petition congress to add it to the constitution. The Banker’s Bill of Rights. 1. All Bankers have the Right to make any mistake they want and still get bailed out by the American Taxpayer. They can fiddle around with complex derivatives with no risk to themselves or the bank they run. When they run their bank into the ground, they get the full assistance of the American Taxpayer to bail them out of their mess. American Taxpayer Bailing Out The Banks 2. All Bankers have the right to say “sic’ em” to their debt collection phone harassment team.... 12/16/2010

Short Sale Home Specialist Mark Peek, recently received a question from Terry. “I accepted a job transfer and had to move. Unfortunately we were upside down on the house. I decided to rent it out rather than short sale it. The renters just moved out. I just checked the house. They trashed it! I could rent the house out again, but I would have to spend several thousand dollars fixing it up first. What would you recommend that I do?” Terry asked. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. Here was our recommendation. That is a tough situation. You could fix up the house and rent it out again. But, you risk having the same thing happen all over again. Here is the other problem. The amount you can charge for rent has gone down in most ar... 12/16/2010

Typical Abandoned Real Estate Short Sale Company in Roseville – The New York Times had an interesting article about one man’s mission in the fight to stop foreclosure. According to the article, Mark Guerette, attempted to make use of all the empty, abandoned houses he saw. I get frustrated when I see homes sitting empty for months and months. “Those homes should be put to good use!” I thought to myself. It bugged me that homes would sit empty for months and even years at a time. The lawn would become overgrown. A window might leak. Or, vandals would break the windows. Rain would start getting inside the house, thereby causing mold on the walls and ceiling. The house would get uglier and uglier. As a working short sale realtor, I knew how much this would cause the home’s value to drop. ... 12/15/2010

Roseville Short Sales-Do Short Sales Work? If you are considering selling your Roseville home as a short sale, no doubt you have more questions than answers:  How long can I stay in my home?  Should I stop paying my mortgage?  Do I qualify for the HAFA program?  Most of all, will a short sale work in my situation? Find out if you qualify for a Roseville Short Sale. Here is a list of the most recent Roseville Short Sales SOLD: Roseville Short Sales-SOLD in 95661: 1212 Schooner Drive, Roseville.  3 bedrooms, 2 baths, 1,850 square feet, Short Sale SOLD 12/9/10 for $205,000. 1876 Ridgeview Drive, Roseville. 3 bedrooms, 2.5 baths, 2,361 square feet, Short Sale SOLD 12/13/10 for $390,000. Roseville Short Sales-SOLD in 95678 312 C Street, Roseville. 2 bedrooms, 1 bath, 1,105 square feet, Short... 12/15/2010

Yes, you can Short Sale and buy another home. Short Sale in Roseville – We get this question a lot from people. “I am upside down and need to move. I would like to buy another home. Can I do that?” they ask us. Today they can. FHA (the Federal Housing Administration) has a new program that enables you to short sale your existing home and buy a new home at today’s reduced prices. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. The home you purchase would have to meet FHA’s standard lending guidelines. FHA is a great mortgage program. In fact, more people buying a home in today’s market are getting an FHA loan. Here is what you would need to do to participate in the program: 1. Determine if you qualify to participate in the program. We have... 12/15/2010

Roseville, CA - Foreclosures / Bank Owned Homes / REO Properties (December 6-10, 2010) Here is a list of foreclosures in Roseville, California (Placer County) that became bank owned during the week of December 6-10, 2010: 2717 Carradale Drive, Roseville, CA 95661 (5/3, 2957 sq. ft. built in 2005) 518 Arlene Drive #A, Roseville, CA 95678 (2/1, 1061 sq. ft. built in 1978) 1400 Vista Creek Drive, Roseville, CA 95661 (3/2, 1596 sq. ft. built in 1979) 103 B Street, Roseville, CA 95678 (3/2, 1460 sq. ft. built in 1920) 1306 Chignahuapan, Roseville, CA 95747 (3/2, 1167 sq. ft. built in 1988) 1222 Zinfandel Drive, Roseville, CA 95747 (4/3, 1838 sq. ft. built in 1989) 1349 Champagne Circle, Roseville, CA 95747 (5/3, 2491 sq. ft. built in 1991) 336 Sawtell Road, Roseville, CA 95678 (2/2, 1141 sq.... 12/14/2010

1980 Casterbridge Dr ROSEVILLE, CA 4BR/2+1BA Single Family House $304,900 Year Built 2002 Sq Footage 3,274 Bedrooms 4 Bathrooms 2 full, 1 partial Floors 2 Parking 2 Car garage Lot Size 7,623 sqft HOA/Maint $0 per month Property Features Central A/CCentral heatFireplaceTile floorFamily roomBreakfast nook Additional Photos Photo 1Photo 2Photo 3Photo 4Photo 5Photo 6 Contact Info The Caprio Group, Inc.The Caprio Group, Inc.Licence # 00977362(916) 712-9000 For sale by agent/broker Equal Opportunity Housing 12/14/2010