Don’t Make Vacation Plans When Buying a Home! It seems straightforward enough.  Your sales contract says that your home purchase must close by (date) so you should be moved and ready for a vacation about a week later.  After the stress of a move, a long, relaxing vacation sounds wonderful, right? As a Roseville Mortgage Broker, I've seen many home purchase transactions not close on time.  The close of escrow may end up being during your scheduled vacation, leaving you to lose money by changing your vacation plans, beg the seller for an extension to close after you return or try to arrange a Power of Attorney to sign for you (if the lender will allow it).  Three not-so-good options that create more headaches in a process with a lot of headaches already in it! Best bet is to take a vacati... 10/26/2010

5 Things People Value Most On A Realtor and Lender When Buying A Home. I often think about what are the very special traits a buyer would like to see on a real estate and mortgage professional. So last week I've decided to actually start asking everyone I came across what was important to them about the realtor and lender they hire to represent them when they're buying a home. Ok...Maybe those are not the top 5 for every one of you but I believe we can all agree that the following should be highly considered when hiring one of of those professionals. 1. Expertise and judgment based on experience: It's reassuring to know that whatever advice a realtor/lender is giving you is based on previous experiences. Guesses don't really work well and most likely can take you the wrong path when you... 10/25/2010

Roseville, CA - Foreclosures / Bank Owned Homes / REO Properties (October 18-22, 2010) Here is a list of bank owned homes in Roseville, California (Placer County) that foreclosed during the week of October 18-22, 2010: 1343 Chignahuapan Way, Roseville, CA 95747 (2/2, 1006 sq. ft. built in 1986) 1824 Broad Stripes Way, Roseville, CA 95747 (3/2, 1020 sq. ft. built in 2002) 207 4th Street, Roseville, CA 95678 (3/1, 862 sq. ft. built in 1937) 502 Jesse Avenue, Roseville, CA 95678 (3/3, 1688 sq. ft. built in 1979) 28 Villa Gardens Court, Roseville, CA 95678 (4/3, 1639 sq. ft. built in 2006) 3209 Acton Way, Roseville, CA 95747 (3/2, 1329 sq. ft. built in 1994) 1701 Grazziani Way, Roseville, CA 95661 (6/5, 4857 sq. ft. built in 2001) 1415 Everett Way, Roseville, CA 95747 (4/3, 1977 sq. ft. bui... 10/24/2010

Big fires are nothing new and the impact that they have on a community can take years to tally. The Roseville Galleria fire is a little different as it relates to one thing. The quick and aggressive response form Roseville city leaders. Most places would have focused on pointing fingers as to why this happened followed by months of red tape that only delay the rebuilding process.  By the end of the day Roseville Mayor Gina Garbolino was talking about declaring a state of emergency.  The following day city manager Ray Kerridge made note of Roseville city officials working hard with other government agencies and the property owner to get a solid plan that would at least have part of the mall open for what is known as Black Friday. This was done even before the investigation really even go... 10/24/2010

Wow, I just lost the blog... my computer browser decided to close before I was published..., lets see if I can get back to where I left off... I was listening to the radio Saturday, yesterday, and found a wonderful radio show by a Vitek Mortgage fella and a knowledgeable moderator. Sorry guys I was more interested in what you were saying than who was saying it. I apologize for that. Anyway, a caller came on talking about his home that had been worth about $500,000 but in this market they listed it for $350,000 but the offer came in low, I believe it was $300,000. Everything went smoothly, the borrower qualified for the loan, then the appraisal was ordered. It came in LOW. The appraiser it was explained, had to take into account all of the sales in the neighborhood regardless of how they... 10/24/2010

The Roseville Galleria fire is now a city problem and from what I have seen the quick actions by local government have been on time. There are already plans to request aid form the state and other things that will aid in the recovery but what about short term. The loss to the local economy will be felt in the form of lost of jobs.  Retailers with out doubt are making calls and arrangements to try and salvage what could be a major blow to business with the peak of the shopping season coming. I would like to think that with so much retail space available in Roseville  something will happen and prevent some of these retailers form going to other near bye cities.    Roberto 916-847-7212 creconnections@gmail.com Nationwide commercial financing.    10/22/2010

The City of Roseville will possibly be asking for help from the state as well as from the federal government. The Roseville Galleria suffered major damage to it's east wing yesterday following a stand off that ended in a major fire. It's 1.3 million sqft of retail with a 95%-97% percent lease rate makes it a power house in the region when it comes to generating income.  With the holiday shopping season getting ready to start in the next week or two this could not have come at a worse time.  The overall impact of this fire could be larger than first thought.   What do you think        10/22/2010

Since the beginning of the mortgage scandal, where most large banks allegedly processed hundreds of thousands of foreclosure documents improperly, Wells Fargo has maintained that its business practices have been in accordance with the law. John Stumpf, Chairman and CEO of Wells Fargo, released the following statement: "We are confident that our practices, procedures and documentation for both foreclosures and mortgage securitizations are sound and accurate. For those reasons, we did not, and have no plans to, initiate a moratorium on foreclosures."  For more info go our website at Upside Down Home Cures.com . What does this mean for a home owner that is behind on their Wells Fargo Mortgage?  If a foreclosure is looming on your horizon, the best solution best is to talk with an experienc... 10/22/2010

Watch UFC 121 (Lesnar vs. Velasquez) at Roseville 14 Theaters in Roseville, CA - October 23, 2010 Tomorrow (October 23, 2010 at 7pm) is UFC 121, a very exciting championship fight between heavyweights Brock Lesnar and Cain Velasquez. You can fly to SoCal and watch it live in Anaheim, you can watch it at home on Pay-Per-View, at a bar or restaurant like Hooters, or you can watch it at your local participating movie theater...like at Roseville 14 Theaters, 1555 Eureka Road, Roseville, CA 95661, (916) 797-3466. Other movie theater locations in the Greater Sacramento Area that will be showing UFC 121 include: Folsom 14 - 261 Iron Point Road, Folsom, CA 95630 - (916) 353-5247 Natomas Marketplace - 3561 Truxel Road, Sacramento, CA 95834 - (916) 419-0205 Laguna 16 - 9349 Big Horn Boulevard, El... 10/21/2010

The Fountains Roseville-Foothill Farmer's Market If you love to live & play in Roseville, you LOVE the Foothill Farmer's Market.  The Foothill Farmer's Market happens every Tuesday at The Fountains in Roseville, in the parking lot by Whole Foods Market and Peet's coffee.  The Foothill Farmer's Market is THE BEST in Roseville.  The fruit, veggies, plants, and flowers are always fresh, local, and well priced.  The Fountains is easily accessible with free parking.  When you're finished at the farmer's market, check out the fabulous shopping, delicious food, and numerous activities for kids including playground & train rides.     WHAT: Foothill Farmer's Market WHERE: The Fountains-Roseville Pkwy & Galleria Blvd. When: Every Tuesday 8:30AM-1:00PM Rain or Shine This is why Roseville is a GREA... 10/21/2010

Roseville CA - Just closed this beautiful single story JTS home in the Esquire neighborhood in Crocker Ranch: 1773 Alicante Drive, Roseville, CA 95747 : Listed at $309,900 and sold for $312,000 This was a very unique single story located in one of the most desirable gated communities in West Roseville. Loaded with interior upgrades and finishes like Venetian plaster walls, gorgeous custom stone flooring, stone columns, custom shutters and more.  Too much to list. This was a Roseville short sale with Bank of America.  There was only one loan to negotiate and everyone won.  The sellers are now relieved and the buyers got an amazing deal on a beautiful home in Crocker Ranch.    Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send m... 10/21/2010

Roseville, CA - Foreclosures / Bank Owned Homes / REO Properties (October 11-15, 2010) Here is a list of bank owned homes in Roseville, California (Placer County) that foreclosed during the week of October 11-15, 2010: 1749 Mockingbird Street, Roseville, CA 95747 (4/3, 2203 sq. ft. built in 2002) 608 Treviso Court, Roseville, CA 95747 (4/4, 3642 sq. ft. built in 2003) 1513 Gerry Way, Roseville, CA 95661 (3/1, 1040 sq. ft. built in 1956) 614 Springfield Circle, Roseville, CA 95678 (3/2, 1338 sq. ft. built in 1989) 1021 McRae Way, Roseville, CA 95678 (3/3, 1758 sq. ft. built in 1988) 102 Rio Encanto Court, Roseville, CA 95747 (4/3, 2657 sq. ft. built in 1996) 516 Dudley Drive, Roseville, CA 95678 (4/2, 1113 sq. ft. built in 1954) 232 Running Wolf Court, Roseville, CA 95747 (4/3, 2798 sq. ... 10/20/2010

A sold out affair in Roseville this Thursday with the Renovation group at Wells Fargo in Roseville. I'm anxious to see who's who there. Yes, even I was invited... lol. They did it last year before I met them and they indicated they had a sold out event then too. I'll let you know what happens. I know Sean Palmer, Jacob Warren, Colette Gonsalves & Larry Nichols the manager will be there, my lovely wife of 43 years too, there are a few more than may show up so I'll amend this once I see what happens. This renovation group is very active I'm rather impressed with the positive attitudes and great customer training they do in order to keep their clients abreast of changes in the market and with the products they have to offer. The Wells Fargo Renovation products are worthy of mention as they... 10/18/2010

Protecting Yourself From Mortgage Fraud According to the FBI, mortgage fraud is still on the rise. Even with lenders  tightening underwriting guidelines and new laws that have been put in place to protect consumers, mortgage scams are up by 20%. And listen to this...Mortgage frauds are now estimated to cost between $4 - 6 billion annually! These frauds have different "faces" and today's most common types of mortgage fraud are the ones targeting home owners that are behind their mortgage payments. Here's a 3 minute interview from the Today Show that will help you identify and avoid common frauds. As far as your mortgage paperwork, make sure you always read the documents and understand what they mean. If you don't understand and have any questions at all, make sure to ask until you get tr... 10/17/2010

Roseville Short Sale Specialist- Who owns my mortgage? Did you know your bank may not really own your loan or have a right to foreclose on your mortgage? Read below about information on how to find out who owns my mortgage. This problem started a long time ago, when Wall Street banks grouped large numbers of loans together, sliced and diced them, and resold them.  They created an impossible situation to figure out who really owns the mortgage notes;   therefore the banks do not have the authority to foreclose on properties they do not own.  The big banks are being exposed after having thrown people out of their homes even though the bank did not have the mortgage note that proved they owned the loan. This situation has been taken to the courts for a solution. In some states, banks still... 10/15/2010

Roseville, CA - Foreclosures / Bank Owned Homes / REO Properties (October 4-8, 2010) Here is a list of bank owned homes in Roseville, California (Placer County) that foreclosed during the week of October 4-8, 2010: 412 Scotts Mills Court, Roseville, CA 95661 (4/3, 2306 sq. ft. built in 1987) 9412 Moondancer Circle, Roseville, CA 95747 (5/3, 3212 sq. ft. built in 2001) 2642 Du Pont Way, Roseville, CA 95661 (4/2, 1725 sq. ft. built in 1994) 1848 Broad Stripes Way, Roseville, CA 95747 (3/2, 1056 sq. ft. built in 2002) PFE Road, Roseville, CA 95747 (33,105 sq. ft. of vacant land) 1625 Blanchard Drive, Roseville, CA 95747 (3/2, 1410 sq. ft. built in 1994) 1910 Branding Iron Way, Roseville, CA 95661 (4/2, 2050 sq. ft. built in 1983) 256 Pinecrest Court, Roseville, CA 95678 (3/2, 1741 sq. ft. ... 10/10/2010

Evictions / Unlawful Detainer Actions - Bill Santucci Justice Center (Roseville, Placer County, CA) I was accompanying a client to court for an unlawful detainer hearing and had the pleasure of listening to a few unlawful detainer cases at the newly built Bill Santucci Justice Center in Roseville (Placer County), California. As I sat there listening to each side present their case, I found that I agreed with the judge's rulings: CASE #1 Previous homeowner showed up with her arm in a sling as the Defendant in an eviction after foreclosure. The Plaintiff was an investor who bought the property at a trustee sale. Plaintiff had a verbal agreement with the Defendant that she was going to vacate the premises within a couple of weeks. Defendant did not move out and told Plaintiff she was waiti... 10/05/2010

Roseville, CA - Foreclosures / Bank Owned Homes / REO Properties (September 27 - October 1, 2010) Here is a list of foreclosures / bank owned homes in Roseville, California (Placer County) that became REO properties during the week of September 27-October 1, 2010: 2721 Bickleigh Loop, Roseville, CA 95747 (5/4, 3388 sq. ft. built in 2007) 407 Highland Avenue, Roseville, CA 95678 (3/2, 1673 sq. ft. built in 1947) 2772 Carradale Drive, Roseville, CA 95661 (3/3, 3456 sq. ft. built in 2005) 1046 McRae Way, Roseville, CA 95678 (3/3, 1534 sq. ft. built in 1988) 216 Saint Basil Court, Roseville, CA 95747 (4/3, 3061 sq. ft. built in 2003) 201 Kodiak Court, Roseville, CA 95747 (3/2, 1410 sq. ft. built in 2000) 4550 Rolling Oaks Drive, Roseville, CA 95746 (4/3, 2541 sq. ft. built in 1990) 6668 Ros... 10/04/2010

Roseville CA – As a Roseville Realtor, I can do more than just sell your house. In today’s housing crisis, I am helping local families avoid foreclosure. There are many options for you to avoid foreclosure. If you want to keep your home, then you need a loan modification. That is where you request your lender lower your payment to an amount that you can afford. I give away a free loan modification kit to any homeowner who requests it. Depending upon how far behind you are on payments, you can usually get the missed payments tacked onto the end of the loan. You will need to submit your financials and all supporting paperwork to your lender. They will review everything and assign a person to work with you. Everything you do from there forward will determine your fate. For example, many ho... 10/01/2010

Roseville CA – If you have ever gotten behind on payments, then you know how mean the debt collectors can be. The constant barrage of threats, demands, and phone calls usually proves to be too much for most people. As a result they give up. Discover how other sellers successfully did a short sale and request a free consultation by clicking here. Debt collectors are mean. But, it is a tough job (although I have no sympathy for them.) I heard of a guy who recently got a job as a debt collector. He quit after a couple of weeks. It was just too harsh and depressing. They get on the phone every day for 8 hours of abuse. Some of the people they call scream at them. Very few people are nice. It’s probably very depressing because you hear about other people’s problems all day long. They become ... 10/01/2010