Buyers I help you find your Dream Home by listening carefully so I can narrow down the choices and save you lots of time. I work with experienced lenders, escrow officers, and title companies to assure a smooth transition in your home ownership. I cooperate with other Realtors to find your dream home. Pools are Blue Horizons Business. All your resurfacing needs will be met by them Call 909 471 90 72 Val's Blog Small House and Sq Footage lies
I listed a house today. 22840 Pahute Road Apple Valley, Ca 92308. For me, it is the smallest house I have listed so far. 853 sq ft. 2 beds 1 bath. lot sq ft 55352. There is no Air Conditioning- just two Evaporative coolers. One on the Roof and One in the Master Bedroom. There is a wall unit for heating, but the real heater of the home is the wood burning stove in the living room. Just add a few pieces of wood and some kindling and you will have a fire hot enough to drive you out of the building. A one car garage- attached with washer and dryer hookups. There is enough room on the property that you can park all the TOYS and RV's you want. What about the View? You have in the distance the Ord mountians and the San Bernardino National Forest.
Now down to the finance! What is the Listing Price $225000. That is a bargain. You are in a nice area of Apple Valley. You are close enough to Churches, Restaurants, Golf Courses and shopping. Very Soon a new Cinema- the first of its kind will be only a half mile away.
So what is the lie? It costs 270 a sq ft for living in this house. You and I would never pay that much a square foot for a 2000 sq ft home. But we will for a SMALL House.
Why is that? Here is one simple way of thinking. The most expensive parts of a Home? The Kitchen and the Bath room usually fit that description. Every house has a bathroom and a kitchen. The other rooms of the house simply cost less to produce. If you are not sure, ask this question- which is cheaper to remodel a bedroom or a kitchen? Which is cheaper to add a kitchen or a bedroom. The answer will always be ( all things being equal) a bedroom is cheaper to add.
So the Next time you are in Apple Valley and you want to see a good buy... DRIVE By 22840 Pahute Road Apple Valley and check out my listing! If you want a virtual tour-- take a look!
http://tours.justsnooping.com/2275259/ Exit Desert Ocean Realty You can Change the life of a Child for ever through World Vision.
Connecting with Other Real Estate Agents
I have a goal in mind. It is a huge level playing field of agents all working for the same purpose. The sale of real estate more effectively through the cooperation of agents. It is interesting to me that in the State of California the sale of real estate is not an adversarial sport. In other words, when you are allowed to represent the buyer and the seller as long as you maintain your ethics and legal matters it is fine. Think about that, it is not adversarial. Now I know that we present it as so. Many of the coaching company teach approaches and dialogues for agents that talk about "protecting your hard earned equity"(you and I know that most equity is pure luck- you happened to be in the right house, in the right market and it went up because of many different reasons, the least of which is that you worked hard). Have you ever double ended a deal? Do you know of any one who has? Did you ever see or hear of the dialogue of protecting the equity of the seller or trying really hard to negotiate the best deal for the buyer? It would be a conversation of talking with yourself. Enough of that! I know that my experience here in the High desert (apple valley, Hesperia, Victorville,Phelan) has been a varied one. Many agents I work with, I only work with once. And so the playing field starts all over again.
What is the purpose of working with an agent?
Here is a list of promises that I make publically to other realtors on many of the websites I create for my clients (check out www.12820rochester.com or www.20829-Sitting-Bull.com for examples)
You ,like me, work with a team of Professionals to provide the quality of service your client desires and deserves. I consider you one of the most important parts of the teamwork.
Exit Desert Ocean Realty Have you though about contributing to World Vision?
So here are my promises to you:
1) Put the clients interest first
2)Help you be successful in the transfer of the Property
3)Work hard for a smooth transition(know where the tough spots are or be aware of them when they come up)
4)Always treat you respectfully( I mean it, even when things don't go right)
5)Return your phone calls, faxes, emails in a timely manner
6)Share any ideas that would make you more successful in Real Estate
7)Keep informed about legal matters and correct use of CAR forms.
8) Refer my clients to you, when it is in their best interest to have a local realtor working for them. ( I beleive all real estate is local.other agent?
So with that said How many agents do i like to connect with? My current count in my Top Producer mass email is about 4,400 agents. It does keep me busy but when there is a deal. It is great. Many agents say they feel like they know me already. (please this is not about me, I am a ego defacing type of person)
So to end this up. AnyBody have any experience with Real Estate Agent Lists? A service whereby you can purchase the name, phone, email of agents? If it is a good service--- it would be a powerful tool to connect. But also beware, be sure that the company you are dealing with delievers what they have promised. Best way to do that. Email Thirty of the list and then phone call and start building a relationship. It is like sowing seed in the ground. Some of it will bring a huge harvest. 30,60 100 times.
All the Best
Exit Desert Ocean Realty Have you thought about World Vision?
What is so Special About 29 Palms?
Have you Taken a drive out to Twentynine Palms lately? I have. What a surprise.
In Victorville were I work we have the remains of the old, closed George air-force base. Yesterday I drove by the military housing. True is has not been maintained for 16 years. But what hit me was the size and quality of the homes. That is the size and quality compared to the housing that I saw in 29 palms for the military. To say the least the homes for our armed services certainly honors them and changes my perspective on what I thought it would be. ( by the way some very ecomonic awesome things are happening with SCLA)
But More, Something else surprised me about 29 palms. I recently downloaded and read the Marine Air Ground Task Force Training Command at 29 Palms 2006 Economic impact statement. ( I did this because I have taken a great ten commercial property listing in 29 Palms) In the report once I read the Mission and the History there are numerous details, so to the point. Between the Military, the civilians dedicated to the Marine base and the construction work going on. There is a payroll in excess of 400 million a year. Wow!
But there is more and this one I haven't verified but my source I believe to be reliable. If you have every driven to twenty-nine Palms and looked at those palms and the water that comes out of the ground at that natural oasis, it might cause you to consider the following: The water Table is about 30 feet, yes 30 feet not 100 or 200 and the water available is measured for 300 to 1000 years. That is the water that is there, not any question of replenishing.
But More, There is a 475,000 plus square foot new super shopping center that is now leasing for anywhere between $1.65 to $2.20 a sq ft. A sign of a bright future.
There is the Mariposa Shopping Center which is reported to be a resturant and will lease at about $1.85 a sq foot. a sign of a bright future.
There is also the story about the local tavern which was purchased for about $200,000 for a building the size of a postage stamp (I don't know if the liquor license was part of the deal) and the town of Twentynine Palms wouldn't let them open because they did not have designated offstreet parking. Mind you they are not land locked, just not able to accomdate parking off street. Special means you had better know what is going on in the local Ordinance. All Real Estate is local.
Have you taken a drive out to twenty-nine Palms lately? There is more than meets the eye. So ask yourself why is Starbucks, Kragen, Rite Aid, and Walgreens building in 29 Palms? They don't make mistakes with locations of their business. Seemingly a smallish town on the often called backside of things is starting to wake up. Well come to the new Starbucks when it opens and smell the coffee. Opportunity is knocking in 29 palms.
Where I live and mostly work in Apple Valley, Victorville, Hesperia, Adelanto our market is so different from 29 Palms and it too offers great real estate investment and living opportunities. I am grateful to have a listing in 29 palms. If you are curious look on the Victor Valley Assocaition of Realtors or on Loopnet. Thanks Hope you found this blog interesting
Thanks For Reading All The Best Val Exit Desert Ocean Realty
World Vision has a child waiting for you
Have you considered supporting a child in World Vision?
Today, I gave a listing back.
Three Things happen to cause a home not to sell. If it is in good condition but located poorly it won't sell. If it is located well and priced poorly it won't sell. If it is located poorly and condition is poor and priced poorly it won't sell forever. What I am saying here is True in the High Desert as it is true everywhere.
Of these concerns what can you change? Location is what it is. Other than cosmetic and cleanup, condition is what it is.(may you have worked with sellers who said they were going to do some changes but they didn't because motivation, and other priorities pop up) So the only thing that really controls the sale of the home (granted you have marketed the home properly - cross market, direct market, word of mouth market, sign market, mls market etc) is price.
Price is really the back bone of selling the home. Tony Smith is an agent in the High Desert, so date I have never met him and i have only talked with him once on the phone. I learned of him when I went to a Keller Williams Family Reunion in Las Vegas Nevada. One of the instructors for Keller Williams mentioned him in his presentation. That instructor was a prior instructor for the Mike Ferry organization. He simple stated that Tony carreer sky rocketed when he learned how to price homes to sell. What a simple concept. My client and the particular motivation he has won't let the house be priced right.
Giving the listing back wasn't easy. I don't like it when the deal doesn't end with escrow and a paycheck for my efforts and time. But on the other hand I listed and sold in 4 days because of location, condition and price and the clients were resonable. lesson learned. If you live in the Apple Valley Area, or you work in victorville like I do you will understand that over inflated hopes equal dashed hopes when the home doesn't sell.
Thanks For Reading Val Exit Desert Ocean Realty
Have you Looked at World Vision?
29 Palms a Sleeping Giant?
I spoke with Gary the news manager of kcdz z107 which broadcasts reach a client of mine in 29 Plams.
Before this I have shared that 29 palms has an economic impact report from the marine base. The numbers are somthing like over $400,000,000 in yearly payroll. So as I spoke to Gary, He read a current report on other activites of the base.
Allied Conainer Systems won a 461.6 million firm fixed price to produce test , install and deliever Combined arms Military operations in Urban Terrain Training system to the Marine Air Ground Task Force Training Commnd Marine Corps Aire Ground combat Center in 29 Palms Cal. 60% of the work will be performed at 29 Palms. Which is expected to be completed by the year 2010.
What is all this? Terrain similar to where our troups are fighting so the first time won't be the first time.
What impact on the area? Retail, Rental, investment are certainly to be impacted.
There's more, Rogers- Quinn Construction recieved a 9.8 million contract for construction.
It doesn't take much to guess things are getting more interesting in 29 Palms.
Thanks for reading,
Val Exit Desert Ocean Realty Victorville CA
world vision
NAR President Pat V. Combs and my friend NAR President-Elect Dick Gaylord along with the US Conference of Mayors, presented San Diego Police Officers Association President Bill Nemec with a plaque and check for $5000 in recognition for San Diego's " Everyday Heroes" program.
The money to will be used for the "Everyday Heroes" program started by the San Diego Association of REALTORS . All fundraising by SDAR is from member contributions, grants, special events and specific annual fundraisers.
“By working with our partners to provide lower interest rates for police officers who buy homes in San Diego, Realtors® are making homeownership more affordable and accessible for those who play an essential role in insuring the safety and security of this community,” said Gaylord.
The goal of the Everyday Heroes program is to provide qualifying police officers with funds to buy down their mortgage interest rate, potentially saving them hundreds of dollars on their monthly mortgage. This substantial savings will allow many of the city’s police officers to become homeowners.
Like many low- to moderate-income working families in San Diego, police officers have been finding it increasingly difficult to purchase homes in San Diego where the median single-family home is approximately $614,000. In recent years the city of San Diego has lost municipal employees, including police officers, to other cities where homeownership is more affordable. The " Everyday Heroes" program was conceived to help San Diego combat this trend and keep or policemen right here where they are so needed and so much appreciated.
Pat Combs said, “The Everyday Heroes program encourages those who protect and serve this community to become a part of it as homeowners, and helps the city attract qualified police officers. Affordable housing programs like this one give back to those who do so much to ensure the safety and well-being of our neighbors and neighborhoods.” Pat couldn't have been more correct. We all need to do more to affect the desired outcomes in out cities. It is imperative that those that have dedicated their careers at the risk of their very lives, deserve better. And in San Diego, we intend to provide a way to keep these valuable men and women integrated in our our communities with homes of their own.
I am naturally very proud to be associated with the San Diego Association of REALTORS, serving as it's 2000 President. Dick Gaylord a long time friend,Past President of CAR and 2007 President-Elect
Short Sales (Total) with 26 week exponential average (blue)
Verify the value of your property. If you are selling the property through a real estate broker, your broker will provide you with an estimate of market value. If you are selling the property yourself, do your own market analysis of the area and your property.
2Step TwoAdd up all the costs of selling the property. If you are using the services of a real estate broker, the broker will provide an estimate of closing costs. If you are selling the property on your own (for sale by owner), call a local title company or real estate attorney and ask, as a seller, what the closing costs will be.
3Step ThreeDetermine the amount owed against the property. This will be the total of all loans against the property.
4Step FourDo the calculations. Subtract the total amount owing against the property from the estimated proceeds of the sale. On a short sale, this will be a negative number.
5Step FiveContact the lender or lenders. Talk to someone in the customer service department and tell them the situation. They may direct you to a specific department. Talk to a supervisor or manager if possible; this person will have more authority.
6Step SixAsk the lender what its procedures are for a short sale. Some lenders are willing to work with you by reducing the amount owed or making other arrangements. Others will look to the agents involved (if any) or anyone else who's making money off the transaction to see if they are willing to make concessions to make the transaction happen. Still other lenders will tell you that your debt is your responsibility, one way or the other.
7Step SevenSell the property.
Tips & Warnings
Closing costs will include title and escrow fees (if the seller is responsible for any portion of them, which will depend on your county), attorney fees, a portion of unpaid property taxes, re-conveyance fees, notary fees, delivery fees, documentary fees and/or transfer fees.
If you sell the property without the assistance of a real estate broker, you will save the amount of the commission and have more to apply toward paying off your loan.
If you feel more secure having a real estate broker handle the transaction, consider using a discount broker to market your property. You could also try to negotiate the sales commission with your broker.
Remember that the amount on your monthly loan statement does not include interest. Interest is accrued until the date a loan is paid off, so you may have as much as 30 days of interest on top of the balance owing, and you'll need to include this interest in the total payoff amount.
If a property is sold under a short sale, the lender may require the buyer to make up the difference, either through a personal obligation or a collection.
The IRS often gets involved with short sales, because they are seen as a relief of debt and may be treated as income. Check with your accountant.
Ads by Google
Short Sale Secrets
Step-by-Step Guide To Getting Banks To Discount Properties by 40%!
www.ShortSaleMagic.com
REX Agreement
Turn home equity into cash with no debt, no monthly payments ever
www.RexAgreement.com
Countrywide® Home Loans
No Closing Cost++ Refinance Loan. Fast Approvals. Low Payments**.
www.Countrywide.com
Vega & Overton, LLP
Commercial & Residential Real Estate Litigation Attorneys
www.vollp.com
Many people who rushed to the Apple store recently found out they needed to supply their Social Security number to activate the AT&T wireless service consumer account.
Advocacy groups as well as government agencies have been warning people to curb the use of giving out their social security number.
What should consumers do about these often made requests. I highly recommend you don't even consider giving a false number. That is a federal offense ( felony) to intentionally give a false number.
Back in the mid-1930s the Social Security number was established to track your earnings and for eventually paying you your earned benefits at retirement. Over the years, the practice of requesting and often requiring your Social Security number has increased under the less than watchful eye of Congress.
Congress provided that the Federal and State government agencies at all levels, in particular government taxing authorities have the right to access the number. State motor vehicle agencies would also have a right to access and use the number to differentiate one person from another of the same name, and to track driving records of citizens moving state to state.
Title companies want access to the Social Security number to verify that the person selling a property is the same person who owns the property and the same for the buyers for their statement of identity. Lenders requested the number to confirm assets as reported on loan documents and to track and verify credit history.
Credit agencies demand your social security number to verify proof of identity. Yet the federal government has never gone that far and actually said it is foolproof method of proving identity since photos were never a part of the card. Credit card companies demand......... and on and on it goes.
It is up to you to decide who gets your number and who doesn't. When was the last time you challenge anyone who asked for your Social Security number?
If you want to shield your Social Security number, there are several ways to try to do this.
When completing any type of application, leave the line with Social Security number blank.
Ask what other types of information might be an acceptable alternative.
Ask why the number is needed and insist on seeing the company policy that requires it.
Ask how the information is going to be used and what safeguards they have in place to protect your number for being misused, misapplied or stolen.
Ask if they accept the liability if your credit card number is stolen? Ask for proof of liability.
Who should have access to your Social Security number is up to you to decide. Please decide wisely.
Will he or won't he?
That seems to be the question that everyone is speculating on. Will Bernanke and the Fed Reserve Governors lower the Fed Rate on September 18th. There are positives and negatives either way.
The perceived benefits if he does lower the rates.
Will give the economy a shot in the arm.
Will make borrowing money less expensive and boost spending.
Cushions housing market, if mortgage rates also decline.
Sends a message to home buyers to seize the opportunity of lower rates and stabilization of home prices.
Perceived benefits if he doesn't.
Calms inflation fears.
Projects that growth is on a stable trajectory.
Perception that the Fed will not weaken on threats creating additional instability in world markets.
Indicates that the labor market is holding steady.
Continues the perception of a soft landing. That helps keep the world markets more stable.
Calms down the hype about the credit market volatility.
A few key indicators a few indicators that will be determining factors to If he does, or if he doesn't.
This Friday, September 7, the August non-farm payroll will be revealed
| Sellers E-pro designation launched my harnessing the power of the Internet for Marketing. Combing innovation, creativity and maintaining "the relationship always come first." Creating a Property DotCom is just one of the innovative approaches used to make your home stand out from the crowd. Val's Blog in hand and accepted) checked with a key person about the timing and on Monday with the permission of the listing agent opened escrow with instructions about a 5- day.
Five Day Escrow and the fun of getting it done
Normally in a residential real estate deal, a thirty day, forty-five day escrow is common. It is not uncommon to hear of escrows running for 5-6-7 months if there are contengencies. This last week I took the challenge of a five day escrow. Why? The people selling, wanted to more now. The people buying were going to be out of town in eight days and gone for over 2 months. So with the permission of all parties, we took the step. Here is the outline:
1) I knew the sellers that is the title on the prelim should come up clear.
2) I knew the buyers were going to do cash, had proof of cash and had purchased several properties before.
3) I knew the deal was good for both buyer and seller.
4) I knew my support people in title, escrow, termite, home inspection, etc. If there were snags they would pull together.
I called on Saturday(offer
Does something happen that you can't control. Yes, Jess Ranch, in Apple Valley there is something that is always unforseen. My first in Jess Ranch- what about HOA's- no problem. What about approval from company on the people buying- Jess Ranch is a secure 55 plus only community. I didn't know that. But no worry. The people buying at Jess Ranch were already owners in Jess Ranch. The little wrinkle would go away.
I have heard of a 3 day escrow. Only heard. I believe I did about the say amount of work on a five day and maybe a little less by being forced to be more efficient.
When will you try one? Get all your Ducks in a Row. Have a good team of support people and then go for it! A Five day escrow isn't for everybody. But when you need one it sure is nice to have it ready. High Desert and High Trust Selling.
When I think about selling a home for the owner or the buyer. Trust is the highest priority. Developing trust for the person. Beyond rapport, beyond communication. The outline is from a current book found on Amazon. The thoughts all come from yours trully. It is all about High Trust Selling. This is a book written by Todd Duncan. He has also written Killing the sale: the ten fatal mistakes salespeople make and how to avoid them.
Here are the Six laws of High Trust Selling:
Law 1 - The Law of the Iceberg: The truest measure of your success is invisible to your clients. What you do behind the scenes, the hard work is what makes it look easy in front of the client.
Law 2 - The Law of the Summit : Your direction is a result of your perception.Where are you going, Will you lead by the past or the place in the future that you are going to?
Law 3 - The Law of the Shareholder: Successful sales people buy stock in themselves. Have you invested in yourself. what courses, time, memorization, training, coaching, health, spirituality, emontion determination have you put into yourself.
Law 4 - The Law of the Ladder: The success you achieve is directly related to the steps you conceive.Inch by inch everthing is a cinch. How do you eat an elephant- one bite at a time or invite the whole village to help.
Law 5 - The Law of Leverage: You're less likely to fail when you've told others you will succeed.Put yourself under that positive pressure of announcing your goals to everyone you meet. You are holding yourself accountable and reinforcing the direction of your life. you will also inspire those around your to reach higher and go farther. Who knows they might become your partners in achieving more success than you could imagine.
Law 6 - The Law of the Hourglass: You must make your moves before your time runs out.Do it now, Do it now, Do it now, There is no time like the present, all we have is now. It is too early to quite. Other are depending on you. You have a legacy to leave. Do it now, Do it Now. DO IT NOW! DO IT NOW DO IT NOW
I find that reading and reflecting on ideas in books is a great way to get more information. I will not live long enough to make all the mistakes I need to in order to live this life to the fullest potential. So I am counting of the mistakes of others. I hope they make lots of them and share the lessons of life from them.
When I think about selling real estate, Land, Houses, whether here in Apple Valley, Victorville, the High desert or in Sadona Az where I just got back from. Trust is the most basic element. I fell that trust boils down to three aspects, Character, Competence, and Compatibility. Of the three character is always first. But consider, I know that your character is trustworthy but you are a carpenter by trade and I wouldn't ask you to perform surgery on me. Competence is second and important. But consider, you can operate , you have the seven years of schooling that allow you to practice medicene. However, you are a mean and unkind person. I won't let you touch me if I have anything to say because you are not likeable. It seems simple and is hard. Trust in selling is an art and science and a continual study. Even the Teacher is humble knowing that he doesn't know.
of local government that controls the use of the property. It does not control the ownership of the property. Exit Desert Ocean Realty World Vision Look them up. Zones Apple Valley, where have all the condo's gone?
From the very start, I will confess some real ignorance at the issue of zoning. Don't get me wrong, I understand that every town, like Apple Valley, Hesperia, Victorville should/must have a master plan. I know that the primary purpose of the current zoning map and future zoning map as part of a master plan protray the planning commissioners concern for seismic issues, streets, highways, easements, height restrictions,districts and the quality of living with buffer zones parks, and medical and shopping issues.I also know that zoning is the policing power bout concerning Apple Valley is the direction of the Growth. Where is the better potential for increased value of property?
Every investor, is or becomes an expert at the issue of the zoning map. Even a person who just flips property,who by nature of flipping is more a speculator than an investor wants to know and understand the zoning map.
Here are some of my zoning map questions. How do you judge the potential future of Apple Valley since we do not have a future zoning map. Does it help to say that the whole and entire of Apple Valley is in redevelopement? (in my mind that is like cleaning and waxing and washing the inside and outside of a car all at the same time-Should there be more focus?) Redevelopement is usually for the purpose of rehabing run down areas. We do consider all of apple Valley Run Down? No. However there are impacts upon the town that benefit with the widening of roads.
In These questions, I am not trying to bring into criticism the current Mayor Rick Roelle or the town council of Apple Valley. I have a simple and particular interest in zoning. Condo Conversion. On the books/records of Apple Valley since 1988 when it was incorporated there has not been one condo conversion. Think about that... that is almost 20 years. With the prices of home ownership going up and up. It is obvious that affordable housing for entry level, first time buyers is going to be even more scarce. While much of the High Desert is the last real affordable hope for many buyers, Condo's and condo conversion is a real opportunity for meeting need and renovated areas of Apple Valley. On the current comprehensive plan which was adopted October 14,1999 Perhaps checking into a variance would be helpful. Although a variance is commonly used for the purpose of a hardship situation of a private individual. Variances do set a precedent of sorts . A Variance provides a reasonable conformity of the building structures. So take a six plex and make it into a condo. And do not ask for more garaged parking, simply ask for more spaces of parking off street. I see much potential in Apple Valley. Could Spot zoning be used in several small areas to pin point condo conversions that would not adversely affect and in fact might benefit the area? Pride of ownership is still a main reason for caring for the property you dwell in. Incorporated in 1988 and no condo conversions. Am I seeing a possible Gold Mine? If you taken the time to read this and you are an investor and you need someone who has an interest----All the Best Val Exit Desert Ocean Realty World Vision makes a real difference
What is so Special About 29 Palms?
Have you Taken a drive out to Twentynine Palms lately? I have. What a surprise. In Victorville we have the remains of the old, closed George air-force base. Yesterday I drove by the military housing. True is has not been maintained for 16 years. But what hit me was the size and quality of the homes. That is the size and quality compared to the housing that I saw in 29 palms for the military. To say the least the homes for our armed services certainly honors them and changes my perspective on what I thought it would be.
But More, Something else surprised me about 29 palms. I recently downloaded and read the Marine Air Ground Task Force Training Command at 29 Palms 2006 Economic impact statement. ( I did this because I have taken a great ten commercial property listing in 29 Palms) In the report once I read the Mission and the History there are numerous details, so to the point. Between the Military, the civilians dedicated to the Marine base and the construction work going on. There is a payroll in excess of 400 million a year. Wow!
But there is more and this one I haven't verified but my source I believe to be reliable. If you have every driven to twenty-nine Palms and looked at those palms and the water that comes out of the ground at that natural oasis, it might cause you to consider the following: The water Table is about 30 feet, yes 30 feet not 100 or 200 and the water available is measured for 300 to 1000 years. That is the water that is there, not any question of replenishing.
Have you taken a drive out to twenty-nine Palms lately? There is more than meets the eye. So ask yourself why is Starbucks, Kragen, Rite Aid, and Walgreens building in 29 Palms? They don't make mistakes with locations of their business. Hope you found this blog interesting Exit Desert ocean Realty in Victorville California and outlieing areas.
Have you considered supporting a child in World Vision?
Here is what I think about real estate and working for Exit Desert Ocean Realty. And at the forefront let me say, Each Person is important
Disguising Life and Lessons as Real Estate.
As a Realtor, Broker Associate and Owner of Exit Desert Ocean Realty I have the wonderful opportunity to be a decent, ethical, legal human being and provide people with the expertise they need to make the biggest purchase of their lives.I believe connections is one of the most important aspects of Real Estate. It is not all about me. It is about the team of people with which I have the privilege working. I strive to be connected with organizations and individuals who want to make things happen. I like working with people who want to make things happen because I find so many people caught up in the safe and defeating culture of negativity
Are you someone who wants to make things happen? Then only three things matter:
Character- Are who you say you are.
Competancy- Can you do what you say you can do.
Compatibility: Can you get along with other people.
Victorville,Hesperia, Apple Valley are fantastic places to live and invest. Right now is the best time.
I am a broker associate and an E -pro. I serve on the Grievance, Education Committees of Victor Valley Association of Realtors.
I am also part of the Arcadia MLS. I maintain associations with Success Strategy Institue, Telos Mentor, and Mike Ferry
organisations. He beleives in education and being informed. He has bachalors and masters degree plus many other non-
technical courses of study.
I really enjoy practicing and using scripts. I think the power of the script is knowing what to say in those difficult situations. I know the power of the presentation of a script is mindset and tonal inflection and connecting physical motion/emotions with the works that are being said. I am an investor Realtor. I love looking for deals, I don't mind sharing the wealth. I proactive. I believe in doing the best and attracting the best. I am proud to be part of a great Office. Exit Desert Ocean has some of the most progressive, creative and thoughtful people I have every worked with. We are like a family and we don't mind sharing the secrets of our success. Come Join us! Have you looked at a World Vision Web site
Barstow,ca
30 agents and six cars a forty minute travel and look at homes in Barstow. But more important was the Visit with Exit Desert Ocean Realty Russ Cahil. Russ has lived in Barstow for some time and he has sold new mobile homes and now does resales.
He showed us a zoning map of Barstow. Barstow is annexing county land. Barstow is building. In the next few years sleepy little Barstow will double its population.
Barstow has the best performing MacDonald's of anywhere in the nation.
If you want some pictures of Barstow take a look at local-ism.
Thanks for reading
Val Exit Desert Ocean realty victorville Ca
Insurance, Zoning, Loans-disclose, disclose, disclose
What would be your bigger concern? Getting Sued because insurance won't cover a non permitted use of buildings on a property. Or Getting Sued because if the authorities found out the current use it would violate a zoning issue and put tenants out of the property. Or the fact that the loan on the property is going to not be income property on a triplex but rental on a sfr?
The Home is an R-1 residential. The issue is the suitable use of the property. It is 2200 sq ft and.... has two other building all permited. Well permitted but not for current use. The one was built as a studio(read that as a non sleeping area) the other was built and permitted as a work shop.
These additional units on the property have their own gas meter and their own electrical meter. So the Utilities signed off and the permits(I haven't seen the permits) signed off on them.
So here is the real estate nightmare: the building burns down. Can it be built again? and to what standards and use?
Oh Well if you have read this far, Read just a little more. It is the story of two homes on one lot. The first home had termits and the second none. The first home was tented and the second not. The First home killed all the termits and the second killed the occupant because somehow someone didn't know that vents of the first home were connected to the second.
You never know, even when you think you know.
What's your Story?
Apple Valley Schools and Achieving Highest Accreditation
Apple Valley is a great place to live and it just got a little better.
My wife and daughter are both in the Apple Valley education system as teachers. So I hear things about WASC both good and bad. It is a tough standard to reach. It is one that takes time, united effort, vision and determination to succeed. So...
Apple Valley received an honor that only about 5% of the schools in the California school system enjoy. That is high!!
How do you get this award? A team of education from WASC and the California Department of Education come to your school and preform a three day site review. Part of what this accreditation is called is "Clear Six" which means that they do not have to have another review for six years.
So if you are thinking about moving to Apple Valley, come in the next six years while we have a good rating
Val Exit desert Ocean Realty
World Vision changes peoples lives.
Apple valley, Hesperia, Lucrene
World Vision
FAQ
Why does it take so long to close a short sale?
A normal real estate transaction can close at will once the contract is “four cornered” or that all signatures are affixed and there has been a meeting of the minds. In the short sale, all agreements are “subject to lien holder approval”. Since the seller is requesting a discounted payoff from the lien holder all parties must allow the lien holder to complete an evaluation to determine the value of the home and determine if the loss is justifiable. The lender wants to mitigate his losses and so the process of evaluation must be completed before approval is granted. This process can delay closing for several months.
If the client files a bankruptcy should he still complete the short sale?
One of the main goals in the completion of the short sale is to minimize the damage to the credit of the individual. It is true that a Bankruptcy is disastrous to ones credit. Adding a foreclosure is financial suicide. Why afflict the client with both. There are methods available to have the home released from the assets included in the bankruptcy allowing the agent to complete the sale.
How long after the short sale can the client purchase another home?
The client’s ability to purchase a new home is dependent upon several factors. Credit is only one of the factors. We have seen cases where minimal credit damage was caused as a result of the short sale and the client repurchased within six months with little down and with an excellent rate. A lender is most interested in the borrower’s ability to repay the loan. If the problems that led to the Short sale are behind and there are at least twelve months of good credit with three or more credit accounts, he should be able to purchase with minimal down payment at a competitive interest rate.
Why would a lender agree to take a loss on real property?
Lenders are in the business of lending out money, not acquiring real property. They are required to keep their REO inventory below a certain percentage of their assets. When they foreclose and receive a property in their portfolio they work as quickly as possible to sell or turn it around. The foreclosure process is very costly. The lender will determine the current market value of the property and then contract with a real estate professional to market the property. Regardless of the amount originally owed, the home can only be sold at market value. Lenders can mitigate losses and reduce expenses by selling the property pre-foreclosure.
Why won’t the lender work directly with the homeowner?
When a borrower signs the original Note, he agrees to pay the money back as outlined in the agreement. Regardless of the circumstances, he is still obligated to pay the full amount. The lender cannot negotiate with the homeowner. When faced with the decision to liquidate the property, a lender must hire a professional to evaluate all of the marketing costs and value of the property.
Can I sell a property that has multiple liens?
Liens against a property are prioritized according to date and time of recording. When a property is sold “short” the loan in first position is paid the majority of the proceeds. All others are pretty much happy to get what they can. All lien holders can be negotiated with. There is a chapter in the book that deals specifically with the technique used to negotiate with junior liens.
How does a short sale affect the credit of the borrower?
There are as many opinions about this question as there are attorneys. When a borrower fails to pay his loan as agreed and falls 30-60-90 days behind he is considered in default. When the lender files a “Notice of default”, which is recorded with the county recorder, this begins the foreclosure process. At this point, the majority of the damage to ones credit is done. It is actually considered a positive step if the borrower sells the property. The credit scores will recover faster, with a loan “settled for less than was owed” than it will with a completed foreclosure
Distressed Homes in Default
Not all homes that go into default go all the way through foreclosure. Many sell before the notice of default is finalized. Home buyers and investors are attracted to short sales and foreclosures because they want to buy a home for less than market value. Sometimes sellers in default and buyers who want a short sale or foreclosure can see eye-to-eye and enter into a profitable transaction for both parties.
But it's not for the faint of heart. Distressed home sales are often complicated and sellers have rights when in foreclosure. Both sellers and buyers should seek legal advice before entering into such a contract.
Sellers in Foreclosure
Loren ipsum text:
Cras et quam id risus ultricies vulputate. Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia Curae; Pellentesque a ipsum sit amet eros lobortis cursus. Donec pulvinar purus vel massa. Praesent eu mauris vel odio malesuada nonummy. Phasellus vehicula, neque at molestie laoreet, tellus felis porta massa, sed scelerisque augue quam in sapien. Suspendisse non sapien. Suspendisse gravida quam et dolor. Nunc ante arcu, ornare eget, interdum in, laoreet eget, velit. Sed volutpat, purus ac lacinia dignissim, lacus tellus ornare nibh, et mollis justo quam ut elit. Praesent nec dui. Nam bibendum orci sit amet mauris. Sed pretium nibh ut odio. Nulla lacinia ligula quis augue. In feugiat. Nam venenatis sodales turpis. Nullam vestibulum metus eu purus. Phasellus placerat tortor. Pellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas. In sem. Nulla facilisi. Aliquam erat volutpat. Fusce gravida justo sit amet odio mattis lobortis. Nunc sapien enim, pharetra id, tempus a, lacinia nec, libero. Pellentesque a dolor in arcu rhoncus ultricies. Integer vitae purus. Morbi tincidunt scelerisque odio. Duis sit amet odio id odio faucibus molestie. Nulla facilisi. Quisque eget risus. Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Integer ac lectus. Maecenas
Don’t Pay Another Cent in Rent To Your Landlord...
"If you’re like most renters, you feel trapped within the walls of a house or apartment that doesn’t feel like yours." It’s a dream we all have - to own our own home and stop paying rent. But if you’re like most renters, you feel trapped within the walls of a house or apartment that doesn’t feel like yours. How could it when you’re not even permitted to bang in a nail or two without a hassle. You feel like you’re stuck in the renter’s rut with no way of rising up out of it and owning your own home. Don’t Feel Trapped Anymore It doesn’t matter how long you’ve been renting, or how insurmountable your financial situation may seem. The truth is, there are some little known facts that can help you get over the hump, and transfer your status from renter to homeowner. With this information, you will begin to see how you really can: save for a down payment stop lining your landlord’s pockets, and stop wasting thousands of dollars on rent. for more on this subject visit www.augustagahomeinfo.com
For every news story, in particular the recent global financial crisis, there also is another side of the story that doesn't get any attention and needs to be told.
There are at least five benefits of the recent crisis that will be realizedeven though the overriding fear has been so easy to express and gets all the media attention.
1. The European Central Bank stepped up to the plate ( when not expected ) and made a massive injection of cash to the tune of $130 Billion at a low fixed rate of 4%.
2. Too many hedge funds were launched and they relied on very poor trading systems. The credit crunch sorts out the real innovators of the hedge funds group that have expanded their range of assets and they help provide liquidity in obscure markets.
3. The leveraged buyout firms will now have to do a much better job of managing their accounts. It seems that the crunch showed up their weaknesses and this exposure will force them to work harder to improve.
4. Sanity will slowly return to the housing market. No more housing boom being created with cheap credit. The purchasers will now once again have to prove their qualifications and this will make sellers be more realistic in how they supply the market with their properties.
If the sellers bring garbage to make now, the buyers with their tighter credit guidelines will only
be willing to pay garbage prices. A more normal market will prevail.
5. We have been discovering the source of all the debt. We will learn in the months ahead whether the globalization of the markets assists or prevents their ultimate healing and how much each players' influence actually matter.
Doom and gloom that has been touted over and over and it seemed to be the only story the press wanted to sell. But the financial leaders know that this crisis also had a beneficial catharsis of sorts that may prevent or at least will go a a long way to in curbing this type of crisis in the future.
Several steps were announced that help may be on the way for homeowners with adjustable mortgages that are resetting to higher monthly payments.
A plan was proposed to help borrowers to refinance their loans using resources from the Federal Housing Administration. The FHA is depression era agency that was created to help low and moderate income families afford homes. The program is called FHA Secure. 60,000 borrowers who have fallen behind on payments, because their mortgage rates reset higher would be able to refinance FHA insured loans. This is a big change as the FHA as it currently does not now insure refinance loans from borrowers who are delinquent. The FHA is also helping with a new type of risk to pay pricing for its loan guarantees. That is estimated to be of help to another 20,000 borrowers.
There is currently legislation pending that would also increase the limits above the $362,000 threshold in California and other high cost housing states. With a total of 80,000 out of the estimated 500,000 loans that the FHA expects will default and fall into the foreclosure trap, this is only going to be a modicum of help.
Other proposals that may help can not in any way be seen as some panacea. There is however a hopeful belief that the Federal Reserve chairman Ben Bernanke will announce a downward adjustment of the Fed Rate on September 18. That will have the effect of lowering mortgage rates a bit to help current shoppers in the housing market.
For those facing defaults and selling short, there is also support to suspend the "foreclosure tax", that borrowers face when lenders send a 1099 for the amount of the loan that was forgiven in the lender short sale.
The Fannie Mae and Freddie Mac loan limits will remain in place as the government does not believe they should be exposed to even more risk. Congress meanwhile, will likely take a a much more aggressive approach and include expanded limits on the amount of loans and Fannie and Freddie can take on.
It is encouraging that the Federal Reserve and the other banking regulators have issued special guidance instructions urging loan service companies to reach out to the financially stressed borrowers in danger of defaulting on their loans.
They are encouraging strategies that could include modifying the terms of the loan or in some cases be deferring payments and referring borrowers to qualified homeownership counseling services that can help some borrowers avoid unnecessary foreclosure.
While all this certainly helps, it must be understood that the Administration is just now stepping in, and Congress is still somewhat slow to act on Bills already proposed. Taking this timid approach makes it questionable about there being a resolve to actually solving the current credit crunch and mortgage default problems.
Perhaps it is possible that they believe the best approach is to allow the problem to run its own course. That said, it may take a lot longer and with a great deal more pain than perhaps many are willing to endure. A proper resolution to any crisis must have an end game in mind and the line on this one keeps moving farther out.
Why you should talk with Lonnie, Bulk- business sales
At a Telos Event called Life by Design, I met Lonnie. What was my first impression of Lonnie? Kind What was my second impression of Lonnie? Scary.
I talked with Lonnie about a coffee house sale. In the business we know this as a bulk sale. The sale of fixtures and furnishing, the good will in the name and finally the property or underlying lease (if it is applicable). How did Lonnie scare me? Ucc file seek, How is property being taken sole proprietor or company, what about the IRS, Are there any county liens, Federal liens, have you taken any courses in conjunction with CABB.ORG And I quote "The California Association of Business Brokersis a professional trade association whose members are actively involved in assisting their clients in selling, buying, and evaluating businesses. CABB was organized to recognize the professionals of business opportunity brokerage, to help educate the public on the benefits of using licensed intermediaries, and to establish a code of ethics to which members adhere. " The idea behind this group of professional is simple. They follow certain basic principles, ethical approach to business, the investment risk and effort that a person must calculate to estabalish and put forward a profitable continuous business. How to do a fair evaluation which gives an honest presentation to both seller and buyer.
That stepped up things a notch. Then he shared with me the organisation called IBBA.Org. He recommended that I look into that organization.
or IBBA. ORg. By the way these are elite groups. There are very many people who do what Lonnie does.
The biggest piece of advice that lonnie gave me was get a good escrow person. He even gave me a phone number and name.
That's all for now
Val Rensink Exit Desert Ocean realty
victorville and phelan
Blue Horizon Pools
|