tag:www.celhomes.com,2012:/blog//2 2011-11-18T10:28:03Z Contact Us: (916) 601-6376 or (916) 989-1805 Movable Type 3.33 tag:www.celhomes.com,2011:/blog//2.130 2011-11-18T09:46:46Z 2011-11-18T10:28:03Z

What to Expect with Home Prices in the Next Few Months California's median home price has shown some welcome stability in recent months, hovering around the $290,000 mark since March. But what is likely to happen over the rest of...

Celhomes.com http://www.celhomes.com What to Expect with Home Prices in the Next Few Months California's median home price has shown some welcome stability in recent months, hovering around the $290,000 mark since March. But what is likely to happen over the rest of the year? Are there opportunities between now and December 31?]]> Seasonal Change in the Mix of Sales The statewide median price is typically softer at the end of the year and in the early months of the year, falling 1.5 percent from the third to the fourth quarter and 1.1 percent from the fourth to the first quarters respectively.By contrast, the median price increased by an average of 6.2 percent and 1 percent in the second and the third quarters. The seasonal softening of home prices is due partly to the change in the mix of sales throughout the year. Homes in the lower price tier (below $500,000) typically make up a bigger portion of the total annual sales in the first and the fourth quarters of a year than they do in the second and the third quarters, while shares in the higher price tiers (above $500,000) are generally higher in the second and the third quarters than they are in the first and the fourth quarters. The market appears to be following a similar trend for the first three quarters of the year. Whether the mix of sales will shift in favor of lower-price tier in the fourth quarter remains to be seen. Downward Movement in the Sales-to-List Price Ratio The sales-price-to-list price ratio (SL ratio) also shows a seasonal trend that may shed some light on the direction of home prices for the upcoming quarter. The ratio typically begins the year at a relatively low level, climbs up through the busy season to a peak around June or July, and trends downward for the rest of the year. The SL ratio in 2011 appears to be tracking the historical trend so far this year, and it has been declining in the last couple months since it peaked in July. This downward trend could be an indication that the statewide median price will taper off at the end of the year, and a quarter-to-quarter decline in median price is likely for the fourth quarter in 2011. Given the typical seasonal softening of home prices and the near-record low levels of mortgage rates, the off-peak months are an opportune time for potential buyers to find extra value in the market. ]]> tag:www.celhomes.com,2011:/blog//2.129 2011-02-19T22:34:48Z 2011-02-19T22:49:01Z

All those former and current Wachovia and Wells Fargo customers that there is 2 billion dollar settlement that you should inquire about. Wells Fargo agreed to provide loan modifications worth more than $2 billion to thousands of California homeowners with...

Celhomes.com http://www.celhomes.com All those former and current Wachovia and Wells Fargo customers that there is 2 billion dollar settlement that you should inquire about. Wells Fargo agreed to provide loan modifications worth more than $2 billion to thousands of California homeowners with "pick-a-pay" loans and to pay an additional $32 million to thousands of borrowers who lost their homes through foreclosure. If you lost your home and had a "pick-a-pay" loan you could be entitled to a settlement. http://ag.ca.gov/newsalerts/release.php?id=2014& ]]> tag:www.celhomes.com,2011:/blog//2.128 2011-02-13T05:23:19Z 2011-02-13T05:48:08Z

New York Times Online mortgage shopping made easier The vast amount of information available online about mortgages – such as interest rates, loan benchmarks, prepayment penalties, and the like – can cause home buyers to feel confused and overwhelmed when...

Celhomes.com http://www.celhomes.com Online mortgage shopping made easier The vast amount of information available online about mortgages – such as interest rates, loan benchmarks, prepayment penalties, and the like – can cause home buyers to feel confused and overwhelmed when shopping for a mortgage. Most surprisingly, a recent survey found that only 61 percent of homeowners surveyed said they comparison shopped for a mortgage, and 39 percent said they took out a home loan based on just one quote. ]]> MAKING SENSE OF THE STORY • Resulting from consumer feedback about lending Web sites being unhelpful or difficult to navigate, some of the nation’s leading mortgage sites have responded by working to become more consumer-friendly. The revamped sites allow borrowers to not only browse lender rates and terms, but also learn about market trends and read comments from other loan shoppers. • One of the challenges borrowers have, according to Keith T. Gumbinger, the vice president of HSH Association, is that while there is plenty of mortgage information available, consumers often have difficulty understanding the technical aspects of a mortgage, such as when an adjustable rate mortgage actually adjusts, and when a prepayment penalty applies. • One site, LendingTree, allows consumers to browse quotes from various lenders, read an array of industry articles, use research tools and calculators, and peruse consumer-generated ratings and reviews of lenders. In December, the company created an online feature in which borrowers can post a mortgage-related question to be answered by a LendingTree loan specialist. • Online direct lender, Quicken Loans, offers an expanding number of customer-written reviews on buying and refinancing. Beginning in March, consumers can download Quicken Loan’s iPhone app and track when appraisals come in, closing dates are set, and when other time-sensitive hurdles in the home-buying process are reached. • Some major lenders also are making changes, including Bank of America, which offers articles and tools specifically for first-time buyers, and another set for more experienced borrowers. • Of course, borrowers also can forgo the online aspect of mortgage shopping, and instead work with an experienced mortgage broker who can help guide the buyer through the process, including locking in the best rates available for their situation. More of this article: http://www.nytimes.com/2011/02/06/realestate/mortgages/06mort.html?ref=realestate Read more news at: Download file Remember we have over 20 years of experience. Our short sale experience goes back to 90's. We are contracted with Titanium Solutions one of the largest Loan Modification Companies. Our Short Sales are FREE to the Homeowner. Our Loan Modification consultation is FREE. Looking to Buy or Sell we are your Agents. Email us:loan@celhomes.com]]> tag:www.celhomes.com,2011:/blog//2.127 2011-02-08T09:28:37Z 2011-02-08T21:33:21Z

Well the Governor vetoed SB 1178, but he signed SB 931, which gives to Homeowners No Deficiency Judgment on their 1st Trust Deed in a Short Sale. Here is how it affects different loans: New For 2011 --------------------------------No Deficiency Judgment...

Celhomes.com http://www.celhomes.com Download file ]]> Remember we have over 20 years of experience. Our short sale experience goes back to 90's. We are contracted with Titanium Solutions one of the largest Loan Modification Companies. Our Short Sales are FREE to the Homeowner. Our Loan Modification consultation is FREE. Looking to Buy or Sell we are your Agents. tag:www.celhomes.com,2011:/blog//2.126 2011-02-08T04:08:41Z 2011-02-08T21:33:38Z

Sometimes you have to enjoy what your community has to offer. We were on a walk today to Nimbus Dam and we thought we had to share experience....

Celhomes.com http://www.celhomes.com ]]> Remember we have over 20 years of experience. Our short sale experience goes back to 90's. We are contracted with Titanium Solutions one of the largest Loan Modification Companies. Our Short Sales are FREE to the Homeowner. Our Loan Modification consultation is FREE. Looking to Buy or Sell we are your Agents. tag:www.celhomes.com,2011:/blog//2.125 2011-02-08T00:46:34Z 2011-02-08T21:34:12Z

How to avoid foreclosure-related scams can be a tough proposition. When your home is in foreclosure the process is a public. A Notice of Default (the first stage of a foreclosure) is a publicly recorded document. Many legit and unscrupulous...

Celhomes.com http://www.celhomes.com Download file ]]> Remember we have over 20 years of experience. Our short sale experience goes back to 90's. We are contracted with Titanium Solutions one of the largest Loan Modification Companies. Our Short Sales are FREE to the Homeowner. Our Loan Modification consultation is FREE. Looking to Buy or Sell we are your Agents. tag:www.celhomes.com,2011:/blog//2.124 2011-01-25T20:46:27Z 2011-02-08T21:53:40Z

As part of the 2010-11 Remodeling Cost vs. Value Report, REALTORS® recently rated exterior replacement projects among the most cost-effective home improvement projects, demonstrating that curb appeal remains one of the most important aspects of a home at resale time....

Celhomes.com http://www.celhomes.com http://www.remodeling.hw.net/2010/costvsvalue/national.aspx ]]> Remember we have over 20 years of experience. Our short sale experience goes back to 90's. We are contracted with Titanium Solutions one of the largest Loan Modification Companies. Our Short Sales are FREE to the Homeowner. Our Loan Modification consultation is FREE. Looking to Buy or Sell we are your Agents. tag:www.celhomes.com,2011:/blog//2.123 2011-01-22T00:05:23Z 2011-02-08T21:32:32Z

Smart Money Real Estate: Finally a good investment? The housing market still looks pretty bleak: There were a record 1 million foreclosures last year, home prices are still falling in many regions, and the number of "underwater" properties is at...

Celhomes.com http://www.celhomes.com http://www.smartmoney.com/personal-finance/real-estate/-1295050347411/Jan. 20, 2010Page For more news go to: files1/Beyond_the_Headlines__012010.pdf ]]> Remember we have over 20 years of experience. Our short sale experience goes back to 90's. We are contracted with Titanium Solutions one of the largest Loan Modification Companies. Our Short Sales are FREE to the Homeowner. Our Loan Modification consultation is FREE. Looking to Buy or Sell we are your Agents. tag:www.celhomes.com,2011:/blog//2.121 2011-01-13T19:37:19Z 2011-02-08T21:45:08Z

Fannie Mae recently launched WaysHome, a free, interactive multi-media tool designed to educate homeowners about their options to avoid foreclosure, empower them to make informed decisions, and motivate them to take action and seek help in 2011. As part of...

Celhomes.com http://www.celhomes.com www.KnowYourOptions.com. ]]> Remember we have over 20 years of experience. Our short sale experience goes back to 90's. We are contracted with Titanium Solutions one of the largest Loan Modification Companies. Our Short Sales are FREE to the Homeowner. Our Loan Modification consultation is FREE. Looking to Buy or Sell we are your Agents. tag:www.celhomes.com,2010:/blog//2.120 2010-12-28T00:44:23Z 2011-02-08T21:35:34Z

SB 1178 (Corbett) Anti-Deficiency Protections - Anti-Deficiency rules protect a borrower from personal liability on a purchase money mortgage which goes into default and eventually Judicial foreclosure. Due in part to declining interest rates, many purchase money mortgages have been...

Celhomes.com http://www.celhomes.com Status: Vetoed by the Governor on September 30, 2010]]> Remember we have over 20 years of experience. Our short sale experience goes back to 90's. We are contracted with Titanium Solutions one of the largest Loan Modification Companies. Our Short Sales are FREE to the Homeowner. Our Loan Modification consultation is FREE. Looking to Buy or Sell we are your Agents. tag:www.celhomes.com,2010:/blog//2.119 2010-06-14T21:49:45Z 2011-02-08T21:36:36Z

Here is a picture of the construction on the Hazel Avenue Bridge. Crews were setting the walls and new bridge decking in place. The Hazel Avenue crossing over the American River was closed from Friday June 11 to Monday...

Celhomes.com http://www.celhomes.com Here is a picture of the construction on the Hazel Avenue Bridge. Crews were setting the walls and new bridge decking in place. The Hazel Avenue crossing over the American River was closed from Friday June 11 to Monday June 14. When completed, the new bridge will be six lanes instead of the current four lanes. There will also be new sidewalks and bike lanes with barriers from the roadway. Improvements are also being made to the bike trail access to the bridge. This is part of the overall project to widen Hazel Avenue and allow for better traffic flow. Currently over 50,000 vehicles cross the bridge daily. More information can be found at: http://www.sacdot.com/projects/hazel%20avenue/]]> Remember we have over 20 years of experience. Our short sale experience goes back to 90's. We are contracted with Titanium Solutions one of the largest Loan Modification Companies. Our Short Sales are FREE to the Homeowner. Our Loan Modification consultation is FREE. Looking to Buy or Sell we are your Agents. tag:www.celhomes.com,2010:/blog//2.118 2010-06-08T20:47:56Z 2011-02-08T21:37:12Z

If you’re facing the prospect of foreclosure it can be overwhelming, but less so if you know your other options. Homeowners with distressed loans often ignore their alternatives to foreclosure until it’s too late. Don’t make that mistake. Consider your...

Celhomes.com http://www.celhomes.com Download file ]]> Remember we have over 20 years of experience. Our short sale experience goes back to 90's. We are contracted with Titanium Solutions one of the largest Loan Modification Companies. Our Short Sales are FREE to the Homeowner. Our Loan Modification consultation is FREE. Looking to Buy or Sell we are your Agents. tag:www.celhomes.com,2010:/blog//2.116 2010-06-07T22:45:06Z 2011-02-08T21:38:27Z

Last week the California State Senate approved the bill to extend anti-deficiency protections to homeowners who have refinanced "purchase money" loans and are now facing foreclosure. Most homeowners didn't even know that when they refinanced they lost their legal protections,...

Celhomes.com http://www.celhomes.com Last week the California State Senate approved the bill to extend anti-deficiency protections to homeowners who have refinanced "purchase money" loans and are now facing foreclosure. Most homeowners didn't even know that when they refinanced they lost their legal protections, and now may be personally liable for the difference between the value of the foreclosed property and the amount owed to the lender. The bill still has to work its way through the legislature and have Governor Schwarzenegger sign it to become law. This law would help homeowners avoid deficiency judgments that would follow them unless they filed Bankruptcy. Remember we have over 20 years of experience. Our short sale experience goes back to 90's. We are contracted with Titanium Solutions one of the largest Loan Modification Companies. Our Short Sales are FREE to the Homeowner. Our Loan Modification consultation is FREE. Looking to Buy or Sell we are your Agents. tag:www.celhomes.com,2010:/blog//2.114 2010-06-03T12:11:12Z 2011-02-08T21:39:48Z

The California Senate is reconsidering a vote to extend anti-deficiency protections to homeowners who refinanced their loans without cash out. Most homeowner don't realize that they are could be responsible for the balance of loan on a short sale. For...

Celhomes.com http://www.celhomes.com http://www.car.org/governmentaffairs/getinvolved/redalertsb1178/ or download the article. Download file ]]> Remember we have over 20 years of experience. Our short sale experience goes back to 90's. We are contracted with Titanium Solutions one of the largest Loan Modification Companies. Our Short Sales are FREE to the Homeowner. Our Loan Modification consultation is FREE. Looking to Buy or Sell we are your Agents. tag:www.celhomes.com,2010:/blog//2.113 2010-06-03T11:51:03Z 2011-02-08T21:40:35Z

Our combined 38 years of real estate experience means you have expert negotiators working for you who will make sure that you get the best price for your home and ensure an easy transition to your new house. With our...

Celhomes.com http://www.celhomes.com Our combined 38 years of real estate experience means you have expert negotiators working for you who will make sure that you get the best price for your home and ensure an easy transition to your new house. With our team approach, we have twice as much time to spend with our clients. You will hear from us personally every week and we will try very hard to sell your home ourselves. Our goal is for you is to achieve the highest price possible for your home. We will work hard to make sure all of the proceeds from your sale remain in your pocket, not negotiated away in concessions to the other party. We have helped many buyers and sellers who have become friends and advocates. It gives us a great sense of satisfaction to help people during the often emotional process of selling a home. We are Life Members of the Masters Club which recognizes only the top 15% of all realtors in Sacramento and Placer Counties. Two agents for the price of ONE. Two agents working with all prospects who want to buy your home. All buyers are prequalified by our in-house lender before they look at your home. Through our web-site, membership web-sites, and e-mail marketing we get daily leads from Bay Area buyers who are relocating to this area. We can tell them the benefits of living in this great neighborhood. Our combination of old fashioned hard work and up to date technology - digital pictures, laptop computer, website etc. can't be beat. All inquiries answered directly by us - not by an assistant, receptionist, or voice mail message. Our broker, Davis & Davis Associates, has been providing quality real estate services in the area for over 30 years. We have over 210 agents in our office and are well known and respected by all the other local real estate companies. Remember we have over 20 years of experience. Our short sale experience goes back to 90's. We are contracted with Titanium Solutions one of the largest Loan Modification Companies. Our Short Sales are FREE to the Homeowner. Our Loan Modification consultation is FREE. Looking to Buy or Sell we are your Agents.