Thursday, April 28, 2011

Foreclosures , Auctions and Preforeclosures in Granada Hills CA as of 04-28-11


 10636 Haskell Ave 
10544 Haskell Ave
 11312 Haskell Ave
11114 Haskell Ave
10928 Haskell Ave
10814 Haskell Ave
11156 Haskell Ave
11033 Haskell Ave
11001 Haskell Ave

If you are a First Time Home Buyer, Investor or Thinking on Selling Your Existing Home and Buying


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Tuesday, April 26, 2011

Granada Hills Demographics, Schools, Home Values, Income, Population and More

Recent Home Value Results According To Zillow

$963K - 11586 Rancho Del Valle Granada Hills, CA 91344

$588K - 12401 Littler Pl Granada Hills, CA 91344

$457K - 17100 Signature Dr Granada Hills, CA 91344

$457K - 17100 Signature Dr Granada Hills, CA 91344

$403K - 10435 Wish Ave Granada Hills, CA 91344

$369K - 10857 Blucher Ave Granada Hills, CA 91344

$369K - 11248 Balboa Blvd Granada Hills, CA 91344

$361K - 15806 Los Alimos St Granada Hills, CA 91344

$355K - 16421 Index St Granada Hills, CA 91344

$345K - 15650 Horace St San Fernando, CA 91344

Granada Hills Demographics

Total Population: 48,863

White Population: 32,238

Black Population: 1,764

Hispanic Population: 9,985

Asian Population: 7,980

Hawaiian Population: 45

Indian Population: 227

Male Population: 23,943

Female Population: 24,920

Median Age: 37.80

Median Age of Males: 37.0

Median Age of Females: 38.6

All Schools in Granada Hills 91344

Elementary Schools

Danube Avenue Elementary
11220 Danube Ave. Granada Hills, CA 91344 (818) 366-6463

El Oro Way Elementary
12230 El Oro Way Granada Hills, CA 91344 (818) 360-2288

Granada Elementary
17170 Tribune St. Granada Hills, CA 91344 (818) 363-3188

Haskell Elementary
15850 Tulsa St. Granada Hills, CA 91344 (818) 366-6431

Knollwood Elementary
11822 Gerald Ave. Granada Hills, CA 91344 (818) 363-9558

Tulsa Street Elementary
10900 Hayvenhurst Ave. Granada Hills, CA 91344 (818) 363-5061

Van Gogh Street Elementary
17160 Van Gogh St. Granada Hills, CA 91344 (818) 360-2141

Middle Schools

George K. Porter Middle
15960 Kingsbury St. Granada Hills, CA 91344 (818) 891-1807

Patrick Henry Middle
17340 San Jose St. Granada Hills, CA 91344 (818) 363-7401

Robert Frost Middle
12314 Bradford Pl. Granada Hills, CA 91344 (818) 360-2146

High Schools

Granada Hills Charter High
10535 Zelzah Ave. Granada Hills, CA 91344 (818) 360-2361

Jane Addams Continuation
16341 Donmetz St. Granada Hills, CA 91344 (818) 360-5244

John F. Kennedy High
11254 Gothic Ave. Granada Hills, CA 91344 (818) 363-6794

Other Schools

North Valley Charter Academy
16551 Rinaldi St. Granada Hills, CA 91344 (818) 368-1557

The Economics

Average House Value: $238,100

Average Annual Household Income: $78,213

Businesses: 904

Employees: 7,593

Annual Payroll: $187,266,000

The Politics

Congressional District: 27, 25

Congressional District Land Area: 150.0, 21484.0

Sr Senator: Barbara Boxer (D)

Jr Senator: Dianne Feinstein (D)

US House Representative: Brad Sherman (D)

Alberto Pacheco
Real Estate Consultant Granada Hills Real Estate

Become The Best Of You When You Think At a High Level

The Key To Become

Your Very Best Is To Think


A Very High Level

Friday, April 22, 2011

Did Jesus Christ Died For Your Sins?

More Than 2000 Years Ago


Died On The Cross To Pay For My Sins

As Well As

For Yours When You Accept Him as Your Saviour

Friday, April 15, 2011

New Bill To Speed Up The Short Sale Process

A new bill to improve the process for approving short sales may soon bring relief to distressed homeowners who are unable to keep their homes and hope to avoid foreclosure. The bill, recently introduced in the U.S. House and strongly supported by the National Association of REALTORS®, would impose a deadline of 45 days on lenders to respond to short sale requests.

The legislation, the “Prompt Decision for Qualification for Short Sale Act of 2011,” was offered in Congress by U.S. Reps. Tom Rooney (R-Fla.) and Robert Andrews (D-N.J.).

“The current short sale process can be time-consuming and inefficient, and many would-be buyers end up walking away from a sale that could have saved a homeowner from foreclosure,” said NAR President Ron Phipps, broker-president of Phipps Realty in Warwick, R.I.

“REALTORS® and consumers continue to raise issues about delays in the short sale process, because lenders are unable to decide whether to approve a short sale. After many months of delays, and with no response from lenders, potential buyers are losing patience and cancelling their contracts, often resulting in the property entering foreclosure. A short sale minimizes the negative impact on sellers and generally costs the lender less than a foreclosure,” said Phipps.

NAR has been actively pushing the lending industry to improve the process for approving short sales, which represent about 13% of recent home sales, according to NAR data. Phipps praised Reps. Rooney and Andrews for their efforts on the bill and urged Congress to pass the bill quickly.

“As the leading advocate for homeownership and housing issues, REALTORS® want to help more homeowners avoid foreclosure by facilitating a short sale when a family is absolutely unable to keep their home; however, that can only happen if lenders and servicers approve short sale offers in a reasonable amount of time,” said Phipps. “Streamlining short sales transactions will reduce the amount of time it takes to sell the property, improve the likelihood that the transaction will close and reduce the overall number of foreclosures. This benefits sellers, lenders, buyers and the entire community.”

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Friday, April 08, 2011

Fha Mortgage Insurance Premium To Rise on April 18, 2011

FHA Mortgage Insurance Premium to Rise

Leave a Comment It is about to get more expensive for people to get an FHA loan.  Back in February, HUD announced that starting April 18, when you get an FHA loan, you can expect your monthly mortgage payment to be slightly higher thanks to higher Mortgage Insurance Premiums required by HUD.

FHA Mortgage Insurance Premium: Required on All FHA Loans When you get an FHA loan, there are two types of mortgage insurance that is required to be paid by the borrower:

■Up Front Mortgage Insurance Premium (also known as UFMIP)

■Monthly Mortgage Insurance Premium (also knowns as MI or MIP)

The change to FHA mortgage insurance starting on April 18 is a change to the monthly mortgage insurance premium, or MIP. Technically, the monthly mortgage premium is calculated as an annual amount and then paid monthly — but it is often referred to as a monthly mortgage insurance premium.

How much of a change will there be starting April 18? It depends on your loan term and how much money you are putting down (which will determine your loan-to-value ratio). Here is a simple breakdown:

■15-year loans with over 90% loan-to-value = 0.50% (up from 0.25)

■15-year loans with under 90% loan-to-value = 0.25% (up from 0)

■30-year loans with over 95% loan-to-value = 1.15% (up from .90)

■30-year loans with under 95% loan-to-value = 1.10% (up from .85)

FHA MIP Rising: How Much More Expensive?

In terms of monthly mortgage payments, how much more will these changes cost the average consumer? 
Here is what someone with an FHA loan would pay if they got their loan prior to the change assuming a $200,000 loan amount with a 30-year loan and 3.5% down payment:

200,000 x .90% = $1,800 annually or $150 paid in FHA MIP each month.

And here is what they look like after the April 18, 2011 change:

200,000 x 1.10% = $2,200 annually or $183.33 paid in FHA MIP each month.

Total difference in monthly payment due to the increase in FHA MIP?   $33.33  Same FHA loan. Same FHA fixed rate. Same 30-year loan term. Same FHA lender.  Just more expensive.

Justin McHood works for Academy Mortgage and is based in Chandler, AZ.

Wednesday, April 06, 2011

Burbank Probate and Foreclosed Homes


2121 N Evergreen St 3BR 1BA 1048 sqft Home 6000 sqft Lot,Priced $ 387,000
445 N Orchard Drive 3BR 2BA 1380 sqft Home, 6750 sqft Lot,Priced $ 429,000


1819 N Brighton St 4BR,3BA, 3101 sqft Home, 7250 sqft Lot, Priced $ 534,900
333 Victory CT 6BR,5BA, 2867 sqft Home, 5500 sqft Lot, Priced $ 567,900

This homes are available, if you are interested on any one of them, just send me an email to: or call me at: 818 481 9211.

Tuesday, April 05, 2011

Banks Commited Mortgage Fraud on Many Mortgage Loans

Do you know who really owns your mortgage?

As Scott Pelley reports on “60 Minutes” this week, that question has become a nightmare for many homeowners since the invention of mortgage-backed securities. Yes, those were the exotic investments that sparked the financial collapse in this country. And the’re still causing problems.

As it turns out, Wall Street cut corners when it bundled homeowners’ mortgages into securities that were traded from investor to investor. Now that banks are foreclosing on people, they’re finding that the legal documents behind many mortgages are missing. So, what do the banks do? As Pelley explains in this video, some companies appear to be resorting to forgery and phony paperwork in what looks like a nationwide epidemic.

Even if you’re not at risk of foreclosure, there could be legal ramifications for a homeowner if the chain of title has been lost. Watch the “60 Minutes” report and listen to Pelley’s discussion with “60 Minutes Overtime” editor Ann Silvio about the findings of his reporting team.

This is a short video that discusses the problem. Watch the entire video here:


Monday, April 04, 2011

Spring Real Estate Market Conditions

Optimism about the housing market isn't quite sweeping the nation, but Americans remain sold on the value of home ownership at a good time to be bullish about buying a home. With home sales and prices still falling, the spring could shape up as an opportune time to make a deal.

The housing downturn hasn't shaken consumers' resolve to consider home ownership an integral part of an American Dream, even among home owners with homes that have lost value. The eighth quarterly "Allstate-National Journal Heartland Monitor Poll: The American Dream" revealed that nearly nine out of 10 homeowners say they would buy their same homes again.

Among those with homes with lost value, the same percentage said they would buy their home again. Also, seven of 10 Americans say they would advise a friend or family member to buy a home as a long-term asset.  The spring could be a good time to take that advice.

Existing-home sales, completed transactions that include single-family, townhomes, condominiums and co-ops, dropped 9.6 percent to a seasonally adjusted annual rate of 4.88 million in February from 5.40 million in January. February 2010 sales were 2.8 percent below the pace in February 2010, according to the National Association of Realtors (NAR).

The slow sales pushed the median price down to $156,100, the lowest level since February 2002, setting the stage for spring bargains.   Some experts say the housing market is years away from a full blown recovery and the home buyer tax credit is kaput. However, improvements in employment and manufacturing and other economic sectors, bargain home prices and affordable interest rates could light a fire under buyers who've been sitting on the fence.

"Housing affordability conditions have been at record levels and the economy has been improving, but home sales are being constrained by the twin problems of unnecessarily tight credit, and a measurable level of contract cancellations from some appraisals not supporting prices negotiated between buyers and sellers," said Lawrence Yun NAR chief economist.

The Allstate survey of 1,000 Americans also found.

- Buying a home was the best investment among 24 percent, behind "investing in retirement savings" (38 percent), but ahead of "saving money in the bank" (20 percent), and "investing in the stock market" (6 percent).

- A majority, 58 percent of those who believe the housing crisis will remain a serious problem would still recommend buying a home.

- Americans are evenly split on whether the federal government should continue policies to encourage home ownership at the same level (46 percent) or scale them back because they cost too much (46 percent).

- More than half of Americans (52 percent) blame the housing crisis on banks and lending institutions for misleading borrowers and approving bad loans, while 32 percent blame people who bought homes and took out mortgages they couldn't afford, and only 12 percent blame government policies that encouraged too many people to try to own their own homes.

"Owning a home continues to be the bedrock of the American Dream � even as incomes are down, jobs are scarce and families struggle to make ends meet," said Thomas J. Wilson , Allstate chairman, president and chief executive officer.

"Homeownership is viewed positively by the vast majority of Americans as both a place to raise a family and a sound investment," he added.

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Pending Home Sales All Over The US in February 2011

Pending Home Sales Surprise to the Upside:  Pending sales of previously owned U.S. homes unexpectedly rose in February, a trade group said Monday, pointing to a modest pick-up in home sales.

The National Association of Realtors said its Pending Home Sales Index, based on contracts signed in February, increased 2.1 percent to 90.8. Economists had expected the index, which leads existing home sales by a month or two, to fall 1.0 percent after a previously reported 2.8 percent decline.

"We may not see notable gains in existing-home sales in the near term, but they're expected to rise 5 to 10 percent this year with the economic recovery, job creation and excellent affordability conditions providing confidence to buyers who have been on the sidelines," said NAR chief economist Lawrence Yun.

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