Check out the video I just posted on how you can potentially save hundreds, maybe even thousands, of dollars on your 2009 property taxes in the greater Sacramento region.
Archive for the ‘real estate’ Category
2009 Property Tax Savings, Greater Sacramento Region
Tuesday, August 25th, 2009
The good kind of workout. Home Loan Workouts.
Saturday, April 4th, 2009On February 18, 2009, President Obama announced his new Homeowner Affordability and Stability Plan to help troubled
homeowners avoid foreclosure. His plan will help up to 9 million homeowners trying to avoid foreclosure on their primary residence.
Since Loan Modifications are evaluated on a case by case basis it is always good to be prepared before calling your lender. Here is a list of the important documents and information that you should have ready:
- Loan number
- Income information and documentation
- Most recent mortgage statement
- Bank statements
- Letter demonstrating financial hardship
I have also found a list of documents that have detailed information on specific Mortgage Workout and Loan Modification programs:
- Making Home Affordable Finance
- Making Home Affordable Modification
- HOPE for Homeowners
- Countrywide Financial (Bank of America)
- Citigroup, CitiMortgage
- JP Morgan Chase & Co.
- IndyMac Federal Bank, FDIC
Need more information? Don’t hesitate to email me for a Free, no obligation, Consultation. My email address is peter@peterparkersellshomes. Or visit my website for information on avoiding foreclosure.
Free Home Energy? …in the long run…
Wednesday, March 25th, 2009
In today’s economic climate I am sure that you, like me, are looking everywhere you can to save ourselves some moolah. Luckily for us we live in SUNNY cali where for the past ten years we have been pushed towards solar energy by the state offering us rebates and incentives introduced through various programs over the years.
NOTE: For a more detailed list of the Californias Solar Energy programs check out this website.
I can’t tell you specifically how much money you can save, it varies too much depending on your situation.
NOTE: I did find a great little “Solar Calculator” tool to help you get a general idea of the money you could be saving on this website.
The best bet would be to find a Qualified Solar Installer who can come to your house and outline the best solution for you.
NOTE: Head on over here today and fill out the form to get a local Qualified Solar Installer to contact you.
A Successful Short Sale! We do the work.
Monday, March 23rd, 2009
Click on me to see original.
I sent this out to all of my Realtor friends recently. It outlined how I can make you money doing your short sales that normally you might toss due to the likelihood of them being unsuccessful.
AVOID THE RISKS OF LOSING TIME AND MONEY USING THIRD PARTY PROCESSORS WHO:
- Rely on volume, accepting any and all files without pre-qualifying or assessing their chances of a successful close
- Require non-refundable start-up fees and/or too much of your hard earned commission
- Are responsible only for negotiating the offers submitted to lender(s). While you handle……
- All the paperwork and communications to obtain/update seller’s required financials
- Listing and Marketing the property
- Processing and negotiating offers and close escrow…
For files with little chance of closing, you risk wasting valuable time and resources and ending up with no commission and an unhappy client
P.S. Our success is based on providing win-win solutions for you and your clients. Let us take all the risk, call (800) 387-1970 or email us atPeter@PeterParkerSellsHomes.com so we can help you today, and don’t keep us a secret!
Short Sales questions asnwered at www.StopMySacramentoForeclosure.com
The Governator’s Loan Mod program exceeds itself
Saturday, March 14th, 2009Check out this article over at the Sacbee:
Schwarzenegger, who corraled lenders into the nation’s first voluntary loan agreement 16 months ago, said the results exceeded his goal of 100,000 modifications during 2008. In a radio address Saturday, the governor expressed pride in the numbers, but said, “The threat of foreclosure still looms over thousands of California families, and risks our economic recovery.”
At least 10 major lenders and several smaller ones report loan workouts to the state as part of the governor’s agreement. Their loans represent “easily more than half the market in California,” said DOC spokesman Mark Leyes.
To read the full article head on over to the SacBee.com.
Reminder about Dec 8th Sacramento County Flood Map Changes and Big Insurance $ Savings
Friday, January 9th, 2009
December 8th will be here before you know it, and if you live in one of the many Sacramento County zip codes that are having changes made to the flood zone maps which affect insurance rates, you’ll want to call your insurance agent to secure grandfathered flood insurance rates that will save you a lot of money.
I posted detailed information about this last month; you can refer to that or call my office at 916.863.0444 and we’ll be glad to send over a copy of the information, and if you need a referral to a good insurance agent who is on top of this we can give you that too.
Best wishes to you and yours at Thanksgiving and throughout the holiday season!
New Fannie Mae Guidelines Encorage Short Sales
Friday, January 9th, 2009Does it make a difference for their future home ownership possibilities whether homeowners choose to do a short sale as opposed to a foreclosure or a deed in lieu of foreclosure? YES!
Fannie Mae recently released updated underwriting guidelines for new mortgage loans that directly address individuals with various types of foreclosure history.
Potential borrowers with a foreclosure on their credit record must wait 5 years to be considered for new funding, and are subject to additional credit and down payment requirements for 5 to 7 years.
Deed-in-lieu-of-foreclosures warrant a 4 year wait with additional requirements for 4 to 7 years.
Short Sales require only a two year wait with no additional requirements.
These new guidelines make short sales a more attractive option for homeowners AND a much faster route to future home ownership.
Sacramento flood insurance savings…
Friday, January 9th, 2009FLOOD INSURANCE SAVINGS OF $1,871 the first year, and $969 per year afterwards!
PLEASE TELL YOUR NATOMAS & SACRAMENTO AREA FAMILY, FRIENDS AND NEIGHBORS ABOUT THIS!
I wanted to pass on valuable information from Jon Merker of TWFG Insurance Services for you to 
share with those you know in the Sacramento, Natomas and North Sacramento neighborhoods of the 95833, 95834, 95835, 95836, 95837, 95838, and 95815 zip codes.
FEMA will be requiring any property with a federally-insured mortgage (almost all of them, with the exception of those purchased with cash, private financing, or state-chartered credit union loans) in those zip codes to have flood insurance beginning on 12-8-08.
And here’s the savings:
If you buy a flood insurance policy before 12-8-08, you’ll pay “The Preferred Rate for X Zone,” $348 for the policy for the first year. The renewal rate after the first year will be “grandfathered in” at a “Standard Zone rate” of $1,250. If you wait until after 12-8-08, you’ll pay the “AE Zone Rate” of $2,219!
That’s a savings for buying the policy prior to 12-8-08 of $1,871 for the first year, and $969 for every year thereafter!
PLEASE TELL YOUR NATOMAS & NORTH SACRAMENTO FAMILY, FRIENDS AND NEIGHBORS ABOUT THIS!
Jon can send you an e-mail with further details; contact Jon at: jmerker@twfg.net ;Jon’s cell number is 916-601-3846.
Feel free to call me at 916.863.0444 or visit my web site www.PeterParkerSellsHomes.com
