Stanislaus County Short Sale Specialist - Change & Adapt or Go Out of Business Any business that thinks that it can rest on its laurels and maintain the status quo will probably not be around a long time.  Even McDonalds, the company that pretty much everyone in the world recognizes still spends billions (that's with a B) of dollars every year on advertising.  Most successful companies try to improve on what they do.                               The same can be said for a Realtor.  In the seven years that I have been in the business I have seen the market change drastically, several times.  First it was a sellers market.  You could put a house on the market and before the ink was dry on the listing contract you would have 2 offers.  If you overpriced the listing just wait a few days an... 04/21/2011

Stanislaus County Short Sales - Turlock Ca Short Sales There are currently (as of 4/11/11) 270 single family homes listed for sale in Turlock Ca.  Out of these 270 only 36 are bank owned.  The big number that jumped out at me is that 148 of the homes listed in Turlock Ca are Short Sales.  This means that over half (54%) of the homes currently listed for sale in Turlock are Short Sales. What does this mean to you as a buyer in Turlock?  First and foremost you will need to be patient.  Most short sales move slowly through the process.  The banks are getting better at the process but there is still lots of room for improvement.  You should be working with an agent that has experience in short sales both as a buyers agent and a sellers agent.  That way your agent will be able to better educ... 04/11/2011

Stanislaus County Short Sales - A Big Thank You!   I just closed a sale with two brothers that I have been working with for about 8  months.  They are first time buyers and both pretty young.  They had made a couple offers that didn't go through.  One the home was foreclosed on and the other they decided they really didn't like the area. Finally in early February we found the one.  This was a bank owned home here in Turlock.  This home had new carpets, fresh interior paint, and new appliances.  This one was move in ready.  We made the offer and a few days later we were in contract. The thing that touched me the most about this transaction was a couple of days before closing when we were doing our final walk through and one of the brothers thanked ME for all the help I had given them.  H... 03/26/2011

Stanislaus County Short Sales -  I'm Here to Help One of the things I like about selling Stanislaus County Short Sales is almost every day is different.  Sure there are some things that I do all the time like negotiate with banks that don't really want to negotiate and of course blogging. Some days I am out showing property to buyers and some days I am meeting with a potential Stanislaus County Short Sale seller. Another thing that I like about selling Stanislaus County Short Sales is helping people.  Like the truck driver that hauled classified loads for the U.S. Military that didn't want to jeopardize his security clearance.  The lady who was caring for elderly parents while her husband was stationed in Afghanistan.   Or the construction worker that wasn't getting any construction wor... 03/03/2011

Stanislaus County Short Sale -  Success in the Rain !   Last night I got an email from a lady that said she wanted to talk about doing a short sale on her house here in Turlock. The email came through my website JpattonHomes.com.   So I called her this morning to help her out but got her voice mail.  About an hour or so later she called me back. She had just found out from her lender that she would not qualify for a HAFA short sale.  Her lender told her to try to sell it as a Stanislaus County Short Sale and when she had an offer get back to them.  But that was about all they told her about a short sale.  Pretty typical response from the bank.  They had also previously turned her down for a modification. So she went online and started doing some research.  She found me, checked out my w... 03/01/2011

Central Ca Short Sales - A break in the Rain , Time to show some houses. So after nearly a week of rain we have another beautiful sunny day here in Central California.  So what's a Central CA Short Sale agent to do but show some houses.  A client that I have been sending listings to for nearly a year is now ready to start looking.  We looked at about a dozen homes today and will see a couple more tomorrow. The homes we looked at were either Central CA Short Sales or Bank owned, no traditional sales in this bunch.  Not that there are very many traditional sales around here right now.  Come to think of it maybe short sales are the new traditional sale. Speaking of Central Ca Short Sales, I listed a new one here in Turlock at 3400 Saralou Dr.  It is a semi custom home in a great neighborho... 02/20/2011

The picture of the building to the right is the old Turlock Library.  This was one of over 2500 libraries built with funds from Andrew Carnegie.  He was the founder of Carnegie Steel Company which later became U.S. Steel  Mr. Carnegie funded the building of these "Carnegie Libraries"from 1883 to 1929. Most of the libraries were built in the United States but others were also built in Britian, Ireland, Canada, Australia, New Zeland and elsewhere.  This particular Carnegie Library in Turlock Ca was built in 1916.  It served as the library until 1968.  It was then used as the cities Recreation and Community center until 1992.  At that time it became a full time arts center, housing the offices of the Turlock City Arts Commission.  In 2005 a major expansion and renovation was started on the... 01/19/2011

  Now that we have a short sale approval what do we do now?  Once we have the short sale approval the sale progresses much like a regular sale. (Most of the time)  The buyer now has a certain amount of days (whatever was agreed to in the purchase contract) to do their inspections.  If the buyers are financing the purchase the lender will do an appraisal. The short sale lender has issued you the seller a short sale approval letter.  This letter will have a specific date by which the transaction has to close or the approval will expire.  It's my responsibility as your listing agent to make sure that everything is moving along and will close on time.  I am in regular contact with the buyers agent to make sure they are progessing and moving toward a successful closing.  On occasion an issu... 12/13/2010

If you have not read my previous posts on the Central California Short Sale Process please do so, that way this post will make much more sense to you. Central California Short Sale Process - Part 1 Central California Short Sale Process - Part 2 Central California Short Sale Process - Part 3 Once I have all the needed documents from you it may or may not be time to submit them to your lender.  Some banks don't want anything, other than the Authorization to Receive Information, until we have an offer on the property.  Some will accept everything right away.  It is now up to me to get everything to your lender in an efficient manor and one that will communicate to your lender that a short sale will be in theirs and your best interest.  Along with all the previous documents that I talked ab... 11/30/2010

  11 Reasons to List Your Stanislaus County Home During the Holidays 1. People who look for a home during the Holidays are more serious buyers!   2. Serious buyers have fewer houses to choose from during the Holidays and less competition means more money for you! 3. Since the supply of listings will most likely increase in January, there will be less demand for your particular home! Less demand means less money for you!  4. Houses show better when decorated for the Holidays! 5. Buyers are more emotional during the Holidays, so they are more likely to pay your price! 6. Buyers have more time to look for a home during the Holidays than they do during a working week! 7. Some people must buy before the end of the year for tax reasons! 8. January is traditionally the month for employees to b... 11/22/2010

This is the third installment of Central California Short Sale Process.  In the first two parts I talked about some of the things I will be needing from you in order to short sell your property.  It is important that I have a short sale package ready to go to the bank before we receive an offer.  That way I can get the process started with the bank as soon as we have an offer or even sooner with some banks. If you have not read Central California Short Process - Part 1 or Central California Short Sale Process - Part 2 I urge you to do so.  I can not stress enough how important it is that we have EVERYTHING that the bank wants in the short sale package.  If an item is missing it could very well delay , or completely stop the whole process. Now for Central California Short Sale Process -... 11/20/2010

 My last post was about what you will need to do get started with a Central California Short Sale.  If you didn't read Central California Short Sale Process - Part 1 I urge you to take the time to check it out.   Now that I have the Authorization to Release Information and the Statement of Information there are other documents that the bank is going to want.  Remember that not all banks do everything exactly the same way so this is a general overview of what you may need. Two months Checking and Savings account statements.  The last 2 years tax returns. Your 2 most recent mortgage statements for all mortgages.  And finally a financial statement.  The first few items are pretty self explanatory, the last one not so much.  Some banks will require that the financial statement be on one of ... 11/18/2010

YOUR FAMILY'S CONCERNS are, no doubt, of utmost Importance to you. After all, what's more important than the well-being of those you love? When a medical emergency arises, you consult a specialist. When you face a legal issue, you turn to a trusted professional with the experience and skill to handle your needs. It's the same when it comes to your home purchase or real estate needs.  HAVING the proper realtor in place is one of the most important steps your family can take. Why trust those crucial decisions to chance? The time to choose the right realtor is before you need one. That's where Irma Beltran can help. She is one of Turlock's leading realtors. Helping families like yours isn't just her job, it's her commitment. Irma says "Your home is one of the most important investments you... 11/16/2010

Chanzas son QUE USTED O ALGUIEN QUE USTED CONOCE ESTA ENFRENTANDO LA POSIBILIDAD DE UN JUICIO HIPOTECARIO. Pero usted necesita entender que Usted no esta solo. Hoy día 1 de cada 6 dueños de hogar en America están atrasados en sus pagos hipotecarios.  Estos son tiempos duros y frustrantes.  Ahora más que nunca, es importante de identificar sus opciones.  Juicio hipotecario puede ser evitado. Su crédito puede ser salvado, y su futuro financiero rescatado. A través de mi experiencia tratando propiedades en peligro en CENTURY 21 M & M AND ASSOCIATES, Yo he encontrado que dueños de hogar hoy tienen mas preguntas que respuestas acerca de sus circunstancias.  Yo he creado esta página para ayudarlo a usted a entender las posibles soluciones a un Juicio Hipotecario, así como proveer una detallad... 11/12/2010

Current recession is causing lots of pain but also is providing elements to enrich our lives.  It is a fact that income of many families have decreased (in many cases very sharply)  due to current economic conditions. Doing the balancing act has been a miracle for many families that have realized some cuts in some areas and this have caused a domino effect to many sectors in the economy.  In the last 5 years several business and employers have closed their business or relocated. Leaving thousands of people without a job.  The unemployment rate is high and the foreclosure rate remains high too. Many families are looking for ways to save their homes. Their American dream has turned into their American nightmare. How to stop the bleeding, how to help people to retain their home. Is a modif... 11/12/2010

Think a Freeze on Foreclosures could save your Home? THINK AGAIN visit my site for a free report... http://hosted.cdpe.com/iramapreventforclosure Piensan que el congelamiento de Juicios hipotecarios puede salvar su casa? PIENSE DE NUEVO visite mi pagina para un reporte gratuito. http://hosted.cdpe.com/iramapreventforclosure 11/11/2010

One of the many reasons that I love living in Turlock and the Central Valley is because we are so close to some of the most beautiful parts of California. Like most people I enjoy getting away from time to time and one of my favorite places to go it Monterey Ca.  Being a Short Sale Realtor can get stressful at times and a day at the ocean is a good stress reliever. Living here in the Turlock area I can be in Monterey in just a couple of hours.  It's close enough for a day trip or a weekend get away. If you are in the market for a home in the Central Valley of California in Stanislaus, Merced or San Joaquin counties let me know.  If you just want to know something about the Central Valley of California I can probably help you out with that too.   11/09/2010

My firs blog. Didn't have a clue as to how to start. I am a Spanish speaking Certified Distressed Property Expert, Mls member, Merced Mls, Hafa Certified, Short Sale Resource Solving the foreclosure Crisis one home owner at a time in Turlock, delhi,merced,modesto, ceres, keyes, Salida, Stanislaus county, Merced county, Bay Area, Fresno, San Joaquin County, Denair, Waterford, Winton, livingston Mi primer Blog. No tenia ni idea como empesar. Soy un agente sirviendo a nuestra comunidad no solo en ingles sino en espanol.  Certificada and propiedades en peligro, miembro mls Certificada como Especialista de HAFA Y Ceritificada en Juicios Hipotecarios y Ventas Cortas. Resolviendo la crisis hipotecaria un dueno de hogar a la vez en Turlock, Delhi, Merced, Modesto, Ceres, Keyes, Salida, Stanisla... 11/02/2010

Chances are, you or someone you know in TURLOCK is facing the possibility of foreclosure. But you need to understand that you are not alone. Today, 1 out of every 6 homeowners in America is behind on mortgage payments. These are tough and frustrating times. Now more than ever, it's important to identify your options. Foreclosure can be avoided, your credit can be saved, and your financial future can be salvaged. Through my experience handling distressed properties at CENTURY 21 M & M AND ASSOCIATES, I've found that homeowners today have more questions than answers about their circumstances. I have created this site to help you understand the possible solutions to foreclosure, as well as provide a detailed explanation of short sales, which may be the best course of action for some homeow... 11/02/2010

On the Edge of Losing Your Home? When you or someone you know is pushed to the edge of foreclosure, it is vital to know that you have options. It is my duty as a real estate professional to reach out to distressed homeowners. As a CDPE designated agent, I have received extensive training to help homeowners avoid foreclosure. I created this site to provide a lifeline of information regarding alternatives. From short sales to loan modifications, I can provide information to help. For a free report on foreclosure alternatives, visit my site. Take action today and avoid falling into foreclosure. I'm only a phone call or email away. http://hosted.cdpe.com/iramapreventforclosure ibeltran@c21mm.com Irma te ayuda en tu propio Idioma-Español ¿Al Borde De Perder su Casa? Cuando usted o alguien qu... 11/02/2010