Tuesday, February 19, 2013

Free Report For Granada Hills Home Owners


Free February 2013
Report On
Granada Hills House Prices
           If you’re thinking about buying a home in              Granada Hills, here’s an easy way for you to find out what homes are selling for in today’s market.
           Plus:  Get a free report with up-to-the-minute statistics based on all the homes for sale and sold in  Granada Hills over the last six months in all price ranges.
           To get your free February 2013 report on Granada Hills house prices, just  call  888-836-1426 ext 51 For a 24 Hour Free Recorded Message or go to the website:
          www.granadahillshomevalues.com
Reports provided by 
Alberto Pacheco, Realtor
Keller Williams North Valley

818-481-9211 Dre Lic 01200694

Find Out What The Owner at 7301 Lennox E10 Did

It May Come As A Surprise To You – But They’ve Been Plotting For A Long Time! Your neighbors at 7301 Lennox E10 have decided to sell their townhome, and they listed it with Alberto Pacheco of Keller Williams Realty. They thought about it long and hard, and interviewed him and chose him as their realtor. And now that they have made the decision to sell, they need your help to do it. Alberto has prepared a special report called The 10 Dumbest Mistakes Smart People Make when Buying or Selling a Home that he would like to offer to you or anyone you know.
888-836-1426 Ext 50 for a 24-hour Free Recorded Message In the meantime, your neighbors would appreciate it if you kept your eyes and ears open for a buyer for their home.


Alberto Pacheco 818 481 9211 albertopacheco@kw.com

Friday, February 15, 2013

February 2013 Real Estate Update

Alberto Pacheco 818 481 9211 albertopacheco@kw.com Keller Williams Granada Hills

Real Estate Update For January 2013

Alberto Pacheco 818 481 9211 albertopacheco@kw.com Keller Williams Granada Hills

Monday, December 31, 2012

I Wish You a Great 2013

May The 2013 Be A Year of Blessings, Family Union and Stability But Above All May GOD Give You Wisdom
Alberto Pacheco Keller Williams Granada Hills 818 481 9211 albertopacheco@kw.com

Wednesday, November 21, 2012

Available Foreclosed Homes in Burbank California



 Foreclosed Homes in Burbank  Availabe and Must Sell Quickly


3  Bedrooms and 2 Bath Home Listed At $ 389,000


On This Website You Can You Can Browse Home Listings


Sign in To Get A Free List of Homes On Your Cities  and Prices of Choice By E-mail

Click Here


FORECLOSED HOMES IN BURBANK


lic01200694

Get Your Home Value Over The Net

Find Your Home Value Over The Net

Sign in To Get A Free List of Homes On Your Cities and Prices of Choice By E-mail

Click Here
CLICK HERE TO GET THE HOME VALUE


lic 01200694

Wednesday, November 14, 2012

California Real Estate Market With Multiple Offers

The combination on low inventory of homes, interest rate and home prices are making the market in California to rise. Six out of then homes are getting multiple offers according to the 2012 California Association of Realtors Market Survey. 57% of the home sales received multiple offers in 2012, the highest in the last 12 years, with each home receiving an average of 4.2 offers. Seven out of ten bank owned and short sales received multiple offers, while only half of the equity sales received more than one offer. Home buyers are realizing that this is the time to buy a home before they keep rising, but they are finding that there is a fierce competition coming from cash buyers which most of the time are investors. Home sales are selling faster: equity sales are taking 32 days, bank owned homes 50, while short sales take 141 days. More than 30% of home buyers paid cash, 67% of sales were to investors, and 7% percent were to buyers who purchased 2nd homes or vacation homes. International buyers made 5.8%: From China 39.1%,Canada 13%,India 8.7% and Mexico 8.7%. First Time Home Buyers were attracted to low price homes like: Reo's and Short Sales, they made the 35.8% of the market. Alberto Pacheco 818 481 9211

Monday, November 12, 2012

Quote of The Day

Appreciate The Many Things That Make Your Life So Valuable


Alberto Pacheco
818 481 9211
Keller Williams North Valley

Bank Owned Homes Will Be Sold in Bulk in California

It was announced last week that Fannie Mae (Government Gsa), Federal Housing Finance Agency and Colony Capital are involved in the near future bulk sale of more then 400 in the Inland Empire and Los Angeles. This is going to be very beneficial for the investors, but will affect the first time home buyers that buy from the bottom sales price home to the pricey ones; also to the move up buyes. This move will make affordability to decrease, since investors buy low, rehab the properties and flip them at higher price. The Median Home Price in the Inland Empire increased 15% from $ 172,000 in February 2012 to $ 198,270 in September 2012, and the inventory decreased from 5.3 months to 3.8 months on the same period. The median home price in Los Angeles has risen 37% from $ 272,920 in February 2012 to $ 373,020 in September 2012 and the unsold inventory decrease on the same period from 5.7 months to 3.7 months. Alberto Pacheco 818 481 9211 Keller Wiliams Realty

Monday, November 05, 2012

Saturday, November 03, 2012

Day Light Savings Ends on November 04 2012

Tonight Saturday November 03 2012 and Before You Go To Bed

 Make Sure You Roll Back You Clock

1 HOUR

Since at 2AM Sunday Morning  

is The Daylight Savings End.


 


Saturday, October 13, 2012

Real Estate Market Update For October 2012

Alberto Pacheco 818 481 9211 Keller Williams Granada Hills

Housing Forecast For California 2013

Alberto Pacheco Realtor Calbre Lic 01200694 818 481 9211 Keller Williams Porter Ranch Real Estate Consultant http://www.granadahills.kwrealty.com Real Estate News, Mortgages, Trends Blog: www.losangelescountyrealestate.blogspot.com albertopachecorealtor@gmail.com My Facebook My Twitter Pinterest

Sunday, September 09, 2012

Down Payment Assistance For Inland Empire First Time Home Buyers

If you are a First Time Home Buyer(s) and planning to buy a house, I have good news for you.

There is Down payment assistance available, in order to qualify for it you need the following documents:

3 year Income Taxes with the W2 forms
Last 4 Pay stubs
Last 4 Bank Statements
Copy of your Drivers License
Copy of your Social Security Card

Another requirements is to not Own a home or being on anybody's mortgage loan in the last 3 years. There is more details to it, for that you can email me at:  albertopacheco@kw.com or you can call me at 818 481 9211 and I will be happy to assist you.

Take advantage of this offer.

Alberto Pacheco
818 48 9211
albertopacheco@kw.com
My Website       My Facebook       My Twitter

Saturday, August 25, 2012

Granada Hills California Home Sales Statistics

GRANADA HILLS CALIFORNIA
Granada Hills is a Vibrant City located in the North East Side of the San Fernando Valley and is Surrounded on the North East Side by  Sylmar , South Side by Norh Hills, East side by Mission Hills and West Side by Northridge. it can be reached by the following freeways: from the North and South by the 405 Freeway and East- West by 118 Freeway.

There are over 12,000 single family homes in Granada Hills.

Real Estate Market Update For Granada Hills California

As of today 08/25/12 there are 60 Active detached and attached available homes for sale, and there is three type of sales: Standard Sale, Short Sales and Reo's aka Bank Owned Homes.

Standard Sales
The Real Estate Market is extremely active with 46 Standard Sales. Lowest Priced Home at $ 339,000, The Highest Priced at $ 1,695,000 and the Average Price $ 619,752. Minimum Bedrooms: 3, Maximum 6, and Average 4. Days on the Market: Minimum 1, Maximum 514 and Average 68.

Lowest square feet  home 1053 with a Lot of 6817 sq feet, Maximum home size 6380 sq feet and a Lot of of 62,290 sq feet, Average Size Home 2559 sq feet and Lot of 14,005 sq feet.

The reason of 514 days on the market is because some short sales take a while to close and the reason behind that is that  many times the buyers walk away from the purchase since it takes a while to get approved, some times more than 60 days. When the buyer walks away we have to start a new short sale process from scratch.

Bank Owned Homes aka Reo's
There are only 3 available homes for sale, Lowest priced $ 286,100, Maximum $ 569,000 and Average $ 381,667.  Minimum Days on The Market 15, Maximum 71 and Average 38. Smallest square feet home 1275 and 6952 lot size; Biggest 2528 sq ft home and 11028 sq ft Lot, Average 1718 sq ft home and 8728 sq ft Lot.

Short Sales
Only 11 homes for sale are short sales, the Lowest Priced is $ 248,000, Highest Priced $ 1,499,000, and Average Priced $ 570,264.  Minimum bedrooms 3 and 2 Bath, Maximum 6 Bedrooms and 8 Bath and Average 4 Bedrooms and 3 Baths.  Smallest House 1169 sq ft and Lot 6890 sq ft. Maximium 2739 sq ft Home and 11259 sq ft Lot.

There are multiple offers within 24 hours on every listing that hits the market, this year 2012 most home owners are going to end up with some home equity.
 
Only 3 Condo / Townhomes Available in the market with 28 days in the market,  2 bedrooms and 2 bath listed at $ 329,500 and  1112 sq ft. The Maximum Price $ 358,990 with 49 days on the market,  4 bedrooms and 3 bath, 1528 sq ft.  Average $ 342827 with 39 days on the market, 3 bedrooms, 2.67 bath and 1322 sq ft.

Pending Home Sales: 82, from those: 26 Are Standard Sales, 5 are Bank Owned aka REO, 1 Probate Sale and 50 Short Sales.

Pending Condo / Townhome Sales: 8, from those: 6 are Standard Sales and 2 are Short Sales.
Expired Listing Homes Between 08/01/12 to 08/25/12: 5, from those 4 were Short Sales and 1 Standard Sale.

Expired Condo / Townhomes 08/01/12 to 08/25/12 : 1 and was a Short Sale.

Canceled Home Listings Between 08/01/12 to 08/25/12: 9, from those 2 were Standard Sales and 7 Short Sales

Hold Do Not Show Listings Between 08/01/12 to 08/25/12: 5, from those 1 is Standard Sale and 4 Short Sales.

Withdrawn Home Listings Between 08/01/12 to 08/25/12; 1 Standard Sale.

Thursday, August 02, 2012

When it comes to seizing real estate opportunities TIMING IS KEY When it comes to succeeding in real estate, timing really is everything. That's why I make it my business to keep my finger on the pulse of our local marketplace. By studying the latest market trends, interest rates and other economic factors that can affect your home sale or purchase, I can help put you in position to maximize your investment decisions. Experience real estate on a higher level during your next move. Call me and let me help you seize your real estate opportunities today. Alberto Pacheco 818 481 9211 Keller Williams Granada Hills www.facebook.com/albertopachecorealtor www.twitter.com/albertopacheco

Wednesday, August 01, 2012

What is Real Estate?

I AM THE BASIS OF ALL WEALTH THE HERITAGE OF THE WISE, THE THRIFTY AND THE PRUDENT. i AM THE POOR MAN'S JOY AND COMFORT, THE RICH MAN'S PRIZE, RIGHT HAND OF CAPITAL, THE SILENT PARTNER OF MANY THOUSANDS OF SUCCESFUL MEN. I AM THE SOLACE OF THE WIDOW, THE COMFORT OF THE OLD AGE, THE CORNERSTONE OF SECURITY AGAINST MISFORTUNE AND WANT. I AM HANDED DOWN TO CHILDREN THROUGH GENERATIONS, AS A THING OF GREATEST WEALTH. YES, I AM REAL ESTATE BUY ME AND KEEP ME. LATER I WILL KEEP YOU FINANCIALLY! ARE YOU READY AND WILLING TO INVEST IN REAL ESTATE? I AM HERE TO HELP.

Tuesday, July 03, 2012

Friday, June 15, 2012

Real Estate News For June 2012



Alberto Pacheco
818 481 9211
Keller Williams Granada Hills

My Website                           My Facebook                                My Twitter

Real Estate News For May 2012



Alberto Pacheco
818 481 9211
Keller Williams Granada Hills

My Website                       My Facebook                          My Twitter

Granada Hills Home Listings Activity

As of Today 06/15/12 there are 58 home listings in Granada Hills, from those:

There are 30 listings with prices between 275K and 500K

9 of them are short sales and 21 are standard sales, no probate or bank owned homes

17 Listings priced between 501K and 750K

3 of them are short sales and 14 are standard sales, no probate or bank owned homes

8 Listings priced between 751K and 1 Million  and all of them are standard sales, no probates or reo's

3 Listings priced between 1,000,000 and 1,700,000

2 of them are standard sales and 1 short sale, no bank owned homes or probates.

Price Analysis:                                  Days on the Market

Maximum Price: $ 1,695,000                   451
Lowest Price:    $  275,000                        0
Average Price:   $  569,558                       65

Granada Hills Real Estate Market is comprised for 78% of the market are standard sales, the bank owned homes have been mostly absent in the last 3 months.

Alberto Pacheco
818 481 9211
Keller Williams Granada Hills
My Website                                My Facebook                   My Twitter

Saturday, March 10, 2012

Daylight Saving Starts on March 11, 2012

Today is Saturday Night 03/10/12 and I invite you to forward your clocks one hour ahead since the Daylight Savings Starts on S Sunday 03/11/12 at 2pm, in that way you won't be late for appointments. Wish You The Best Alberto Pacheco Keller Williams Realty Granada Hills CA 91344 818 481 9211

Thursday, March 01, 2012

Fannie Mae Lost Money on Last Quarter of 2011

Fannie Mae said Wednesday it lost $2.4 billion during the fourth quarter of 2011 and $16.9 billion for the full year. It has had worse years, remarkably. Fannie lost about $60 billion in 2008 and $72 billion the following year–two of the 10 largest corporate losses ever. Sibling Freddie Mac is responsible for a third, a $51 billion loss in 2008. Fannie Mae was established in 1938 to promote home ownership by making federal funds available to lenders. In the 1950s and 1960s, it transformed into a profit-seeking corporation, with the goal of purchasing mortgages and selling them to investors, thereby replenishing funds to banks for fresh loans. Freddie Mac was created in 1970 to spur competition. Recent losses for both agencies stem from the U.S. housing bubble that peaked in 2006. House prices fell nationwide by more than one-third since mid-2006 by one measure, the S&P/Case-Shiller index. Price changes vary by market, but for the country as a whole, homeowners erased the gains made since 2003. Millions of homeowners defaulted on their mortgages, leaving Fannie and Freddie saddled with bad loans. Both reverted to government control in 2008. Fannie and Freddie were once profitable, but the money they have lost dwarfs what they made in good years. During the three years leading up to the house price peak, Fannie reported annual profits of between $4.1 billion and $6.3 billion, and Freddie, $2.1 billion to $2.9 billion. During the five years since, Fannie lost a cumulative $163 billion, and Freddie, which hasn’t yet reported fourth quarter results for 2011, $91 billion. Both Fannie and Freddie pay dividends to the Treasury Department as a condition of their government sponsorship, but both have regularly requested larger sums than they have paid. For example, Fannie said Wednesday that it paid $2.6 billion in dividends to the Treasury during its fourth quarter, but that it would soon submit a request for $4.6 billion to offset losses. Fannie says it requested a total of $116 billion from the Treasury since the fourth quarter of 2008 and paid about $20 billion in dividends. Fannie requested $72 billion and paid $15 billion. Total funds requested, minus the dividends paid, work out to about $1,300 per American household. That includes both owners and renters.

Sunday, February 12, 2012

Asistencia Para Los Primeros Compradores De Casa

Un primer comprador de casa es el siguiente: el que no tiene casa en los ultimos tres anos, que no esta en le prestamo de ninguna casa o en el titulo de ninguna casa. Hay asistencia disponible para los primeros compradores de casa en la ciudad de Los Angeles ( incluye el valle de san fernando y excluye la ciudad de san fernando) si califican pueden recibir hasta $ 60,000 para el enganche, basado en el numero de miembros de la familia y el salario, se combinan estas dos cosas. La compra puede ser una casa, un condominio o un townhouse. Hay tambien dos bancos que tienen programas disponibles, uno de ellos es un prestamo convencional fijo por 30 anos con un enganche del 3% con un salario maximo de $52,000 que puede ser extendido de acuerdo con la area que el comprador escoja. Si desean mas informacion llamen at 818 481 9211 o envien un correo electronico a: albertopacheco5195@hotmail.com

Real Estate and Mortgage News For February 2012

Real Estate News For January 2012

Wednesday, February 08, 2012

Real Estate News December 2011



www.stoppayingrentinla.com            www.facebook.com/albertopachecorealtor

                                         

My E-mail                                         www.twitter.com/albertopacheco  

First Time Home Buyers Down Payment Assistant Available

If you are a fist time home buyers ( have not own a house in three years, and are not on any loans loan) you may be elegible to receive up to $ 60,000 for Down payment or closing cost, there is money available right now.

You can buy: a house, condominium or townhome that are not tenant occupied.  To qualify for it need to make an appointment with me to go over you income, number of family members and more.

You can reach me by email: albertopacheco5195@hotmail.com or by phone at 818 481 9211.


Alberto Pacheco
818 481 9211
Keller Williams Granada Hills
16842 Devonshire St
Granada Hills CA 91344
Lic 01200694
www.stoppayingrentinla.com  Foreclosures, Probate Homes and Short Sale Homes Available.
www.facebook.com/albertopachecorealtor      www.twitter.com/albertopacheco



Foreclosure Market Update

 Slowly, but surely, the foreclosure crisis seems to be abating.The number of homes in foreclosure shrunk by 130,000, or 8.4%, in 2011, according to a report from CoreLogic, an economic research firm.
These are homes owned by borrowers who had slipped far behind on payments, forcing lenders to put them into the foreclosure process. The homes remain foreclosure inventory until they're sold -- either at auction or in a short sale, which is when a home is sold for less than the mortgage value -- or until homeowners are current again on payments.
There are dual reasons for the inventory drop, according to Mark Fleming, chief economist with CoreLogic.

Foreclosure deal has 40 states but others balk

"The pace at which properties are entering foreclosure is slowing," he said. "And servicers nationwide stepped up the rate at which they were able to process distressed assets."
In recent years, homes have entered foreclosure more slowly because lenders are carefully scrutinizing applicants; only very low-risk borrowers get loans. That, plus a gradual improvement in the economy, means fewer borrowers are getting into trouble.

Even borrowers in default are not going into the foreclosure process as quickly as they used to. They're being held up by a variety of judicial and regulatory constraints, according to Fleming.
For one thing, the robo-signing issue, in which banks filed sloppy and sometimes improper paperwork, made lenders more cautious about getting their paperwork in order before beginning to process foreclosures.

Once the banks do put homes into foreclosure, they're trying to speed them through it faster. One way they've done that is by encouraging short sales.Another is that they've stepped up their foreclosure prevention efforts -- often with the aid of numerous government programs such as Home Affordable Modification Program, which the government claims has helped a million Americans keep their homes.

Post-foreclosure
 
After foreclosures are completed and the homes are back in the hands of their lenders, the homes are being sold very quickly. "This is the first time in a year that REO sales [those of bank-owned properties] have outpaced completed foreclosures," said Fleming.

In December 2011, there were 103 sales of bank-owned homes for every 100 homes in foreclosure inventory. That was up considerably from November 2010, when there were only 94 REO sales for every 100 in the foreclosure process.

Florida has the dubious distinction of recording the highest foreclosure inventory in the nation in December, with more than 17% of homeowners seriously delinquent and nearly 12% of homes with mortgages in foreclosure inventory The inventory in Florida is bloated because, as in more than half of all the states, most foreclosures have to go through the courts.

Foreclosure free ride: Three years and no payments

Courts have taken a much closer look at the cases coming before them, no longer taking the bank's word for everything.. Consequently, it takes a longer time to schedule an auction, which keeps many homes trapped in the foreclosure pipeline.A hard-hit state such as Nevada, which has had the highest incidence of delinquency in the nation but where most foreclosures do not go through he courts, posted a foreclosure inventory rate of less than half that of Florida. To top of page

Friday, November 18, 2011

Como Afecta El Valor De La Casa De Su Vecino A La Suya

Sus vecinos están afectando el valor de su casa. El análisis comparativo de mercado (CMA), método que los profesionales de bienes raíces utilizan para evaluar el valor de la vivienda se basa en la reciente venta de las propiedades cercanas. El CMA ayudará a establecer un precio de venta exacto y justo y que coincida con la técnica de que los evaluadores locales propiedad de uso en la elaboración de los valores de liquidación.

Precio comparable por pie cuadrado

1. Obtener a disposición del público la información más reciente venta de la casa de su asesor local propiedad del condado, incluyendo el precio de venta, metros cuadrados, el tamaño del lote, edad y dirección. Evaluación de datos de propiedades se pueden encontrar buscando en Internet por el nombre de su condado, estatales y palabras clave como "evaluación de la propiedad o la liquidación del impuesto." Como alternativa, la solicitud de esta información directamente de su condado. Localizar las casas que recientemente vendió cerca de la ubicación que desee valor.

2. Divida el precio de venta de cada hogar por el total de pies cuadrados de la casa. Precio por metro cuadrado es una de las técnicas más comunes de bienes raíces análisis del valor.

3. Acomodando los resultados de forma ascendente o el precio por pie cuadrado.

4. Elija por lo menos tres lugares cerca de su casa o propiedad que son más similares a su propiedad en el lote de tamaño, edad y cama / bañera combinación, es decir, tres dormitorios y dos baños.

5. Calcular un precio medio por metro cuadrado de los lugares elegidos en el paso 4. Por ejemplo, si las tres casas más cercano tuyo es de $ 100, $ 120 y $ 140 por pie cuadrado, el precio promedio por pie cuadrado serían los precios dividido por tres, o $ 120 por pie cuadrado.

6. Multiplique el precio comparable por pie cuadrado a partir del paso 5 veces el total de pies cuadrados de su propiedad. Por ejemplo, si el total de pies cuadrados de su casa es de 2.000, entonces el valor de tasación de su casa sería 2.000 veces $ 120 o $ 240.000.


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Wednesday, November 09, 2011

Condo and Home Sales Statistics Up to Nov 05 2011

Single Family Residence
 Time Period Number of Sales Median Sale Price 
 Sep 2011 4,415 $321,000 
 Sep 2010 4,248 $350,000 
 Aug 2011 4,610 $321,000 
 Aug 2010 4,360 $345,000 
 2011 YTD 39,976 $325,000 
 2010 52,183 $340,000 
 Condominium
 Time Period Number of Sales Median Sale Price 
 Sep 2011 1,282 $275,000 
 Sep 2010 1,410 $325,000 
 Aug 2011 1,442 $285,000 
 Aug 2010 1,435 $317,500 
 2011 YTD 12,699 $290,000 
 2010 17,550 $320,000 

Monday, November 07, 2011

13145 Bromont Ave # 24 Sylmar CA 91342







Townhome For Sale located at 13145 Bromont Av # 24 Sylmar, CA 91342.. If you are home buyer looking for a very spacious place to live close to Schools and Comercial area, this is the one
.
On the 1st floor are the living room, Kitchen and a attached garage. On the 2nd story are 3 Bedrooms and 2 Bath, The Master Bedroom has it's own Bath and  Spacious Closet.  It  also has an extra room that can be used as Den, Office or Small Child Room.

It has central air and heat,has been remodeled, it has harwood flooring on the living room and kitchen, new granite counters, and the 2nd floor is carpeted.

Located in the heart of Sylmar, close to the comercila area and freeway but far enough to avoid the noise. It is a private complex with Pool and Jacuzzi, it is clean and safe since only the owners can get in using their fence door keys or remote controls to get in with their car.

If you are a interested buyer, get in touch with me.  It is two blocks away from the comercial area,  three from the 210 Freeway, and 5 minutes from the Mission Hills College, close to elementary schools and High school.

Sylmar Population 2010:  99125 210 FREEWAY

SYLMAR MISSION COLLEGE    SYLMAR PUBLIC LIBRARY     SYLMAR METRO LINK



Alberto Pacheco
Real Estate Consultant
http://www.stoppayingrentinla.com  Granada Hills Real Estate
Blog: www.losangelescountyrealestate.blogspot.com

Condo and Home Sales Statistics For Los Angeles County


Single Family Residence
 Time Period Number of Sales Median Sale Price 
 Sep 2011 4,415 $321,000 
 Sep 2010 4,248 $350,000 
 Aug 2011 4,610 $321,000 
 Aug 2010 4,360 $345,000 
 2011 YTD 39,976 $325,000 
 2010 52,183 $340,000 
 Condominium
 Time Period Number of Sales Median Sale Price 
 Sep 2011 1,282 $275,000 
 Sep 2010 1,410 $325,000 
 Aug 2011 1,442 $285,000 
 Aug 2010 1,435 $317,500 
 2011 YTD 12,699 $290,000 
 2010 17,550 $320,000 



www.stoppayingrentinla.com   Probates, Short Sales and Foreclosed Homes Available To Preview

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Saturday, October 29, 2011

Keeping Your Home Yard Through The Winter

This is the time when people start to want to stay indoors a bit more, especially when the temperatures significantly drop. But you can't neglect your outdoor patios and decks, especially if you plan to sell soon. Buyers won't want to see broken-wood decks or corroded wrought iron patio sets in your backyard.

The good news is that if you prepare ahead, you can save yourself time and money. Taking some good housekeeping steps now will allow you to step outside into the fresh spring air next year to a well-preserved outdoor space.

Where to begin? First, if your deck is looking a little worn and tired, make the necessary repairs now. Don't wait until you can stick your foot through a board (like I did). That's not only dangerous but it also mandates a quick fix.

Give your deck a good cleaning and sealing or staining before the weather gets too cold and wet to do this. Make sure you check for loose nails and get rid of any splintery edges by sanding them down. Seal with waterproofing sealants. For these, generally the weather has to be above 32 degrees F and 50 degrees F for sealing and stains, respectively, to work properly.

Put the clippers to work. Take a good look around your yard and decide which plants need to go. Many annuals may have been killed by frost and it's time to clear them away. Keep your flowers looking good by trimming away dead leaves. If you cut your plants back now it will cause them to grow and flower more effectively later on.

Add seasonal plants. You can still have some nice color in your yard if you get the right plants for your yard's climate. Kale and ornamental cabbage are attractive. In warmer climates try primroses for winter color.
Use creative containers with your seasonal plants. Putting a perennial plant in a beautifully painted container can add style and allure to your patio all winter long.

Plant potted vegetables. Nothing's better than fresh food especially when it comes from your own yard. There are some cool-weather vegetables that work well in pretty pots. Things like lettuce: kale, leaf, mustard, and Chinese cabbage are good for this. Also, don't forget herbs; they'll come in handy for the holiday dinners.

Get artsy. Making your yard look good in winter is also about what you leave outside. Those brightly colored throw pillows and rugs that worked great in summer, of course, should be brought inside. Instead get creative with lights that give a sparkle on a cold winter night. Hang plants with ornaments on them. Also, hang bird feeders to attract birds.

Taking a few simple steps to keep your deck, yard, and outdoor furniture in good condition will give you an easy progression into spring. And, if you're listing your home for sale in the winter, these steps are sure to please buyers.

Monday, October 10, 2011

Venezuelan Youth Philarmonic

City of Commerce Home Sales Statistics For February 2010

New Listings: 8
Average Listing Price: $ 238,333
Listings Under Contract: 6
Average Listing Price: $ 212,333
Sold Listigs: 1
Average Listing Price: $ 255,000
% Sales Price Versus Listing Price: 104.59 %
% Sales Price Versus Old Listing Price: 104.59 %
Average Days on The Market: 27

www.stoppayingrentinla.com City of Commerce Real Estate, Foreclosures, City of Commerce Probates, City of Commerce Homes For Sale, City of Commerce Short Sales, Maps, Calculators

Rescate a Propietarios De Casa

Noticias de última hora: Nuevo Programa de Obama rescata a los propietarios bajo el agua

05 de junio 2011 · Deja tu comentario Su fácil de leer esta historia y ser escéptico ... después de todo, 2012 es un año electoral. Muchos verán este programa propone como nada más que una buena compra de edad votación de moda .... Sin embargo usted lo ve, principales deducciones saldo de la hipoteca están de vuelta en el juego.   Eso es correcto, el programa de patrimonio neto negativo mítico sobre la mesa.

¿Hay alguna forma en que algo como esto va a suceder dado el republicano (y Tea Parties) intentó pasar a un enfoque más conservador para el gasto? Recuerde que la gente, este es SU dinero del pagador de impuestos el dinero ... ... que se va a reducir los saldos de capital de la hipoteca.

Comparte tus pensamientos .. es hora de rescatar a los propietarios de viviendas?

La administración Obama quiere ayudar a más estadounidenses que luchan permanecer en sus hogares mediante la reducción de la cantidad que debe en sus hipotecas en problemas, un alto funcionario del Tesoro dijo el sábado.

"Estamos definitivamente tratando de facilitar la reducción de más capital," dijo Timothy Massad, en calidad de secretario adjunto del Tesoro para la estabilidad financiera. "Es una pieza muy importante de la solución global", dijo.

El gobierno está intentando a través de programas financiados por los contribuyentes para evitar que los propietarios pierdan sus casas. Casi $ 50 mil millones han sido retiradas del rescate de los bancos 700 mil millones dólares conocido como Programa de Alivio de Activos en Problemas, o TARP, para ayudar a propietarios en dificultades.

La persistencia de alto desempleo y un débil mercado de la vivienda suponen una amenaza para las perspectivas del presidente Obama reelección el próximo año.

Hasta ahora, uno de los programas ha ayudado a unos 670.000 propietarios en dificultades ganar más bajos pagos de la hipoteca. Pero eso ha hecho muy poco para ayudar al mercado de la vivienda en general, que se mantiene deprimida como en otras partes de la economía han comenzado a recuperarse.

Un exceso de casas en venta, las ejecuciones hipotecarias, la escasez de crédito y la demanda poco han impedido la recuperación de la vivienda. Los datos recientes muestran que los precios cayeron por debajo de la casa baja visto en abril de 2009 durante la crisis financiera.

"Este ha sido un mercado de la vivienda muy, muy difícil como consecuencia del hecho de que pasamos por una crisis financiera terrible", dijo Massad periodistas en el marco de un evento de prevención de ejecuciones hipotecarias en Washington.
Uno de los programas de la administración ayuda a propietarios en dificultades evitar la ejecución hipotecaria, proporcionando modificaciones permanentes préstamo.

Otro programa, el aumento gradual de ahora, da a los estados que han sido los más afectados por la caída de precios de las casas de financiación para ayudar a reducir el principal del préstamo de un prestatario, entre otras cosas.

"Creo que los va a hacer una gran diferencia en cuanto a los problemas de los propietarios de viviendas desocupados y la caída de precios de la vivienda", dijo Massad. Sin embargo, agregó que el proceso fue complicado.

"Hay problemas de cómo hacerlo, asegurándose de que es justo, asegurándose de que no crean los incentivos equivocados", dijo Massad.



Find Your Dream Home - Sweet Home


 
Find your Dream Home at: http://www.stoppayingrentinla.com/  

Quote of The Day

To live is the rarest thing in the world. Most people exist, that is all.

Courtesy of Oscar Wilde





Probate Homes, Short Sales, Fha Home Loans, Real Estate News, Loans with ITIN Number

Quote of The Day

To live is the rarest thing in the world. Most people exist, that is all.

Courtesy of Oscar Wilde





Homes on Probate, Fha Loan, Home Loans with ITIN Number, Real Estate News

Short Sales Tips For Home Owners


If you're thinking of selling your home, and you expect that the total amount you owe on your mortgage will be greater than the selling price of your home, you may be facing a short sale. A short sale is one where the net proceeds from the sale won't cover your total mortgage obligation and closing costs, and you don't have other sources of money to cover the deficiency. A short sale is different from a foreclosure, which is when your lender takes title of your home through a lengthy legal process and then sells it.

1. Consider loan modification first. If you are thinking of selling your home because of financial difficulties and you anticipate a short sale, first contact your lender to see if it has any programs to help you stay in your home. Your lender may agree to a modification such as: Refinancing your loan at a lower interest rate; providing a different payment plan to help you get caught up; or providing a forbearance period if your situation is temporary. When a loan modification still isn’t enough to relieve your financial problems, a short sale could be your best option if:

Your property is worth less than the total mortgage you owe on it.

You have a financial hardship, such as a job loss or major medical bills.

You have contacted your lender and it is willing to entertain a short sale.

2. Hire a qualified team. The first step to a short sale is to hire a qualified real estate professional and a real estate attorney who specialize in short sales. Interview at least three candidates for each and look for prior short-sale experience. Short sales have proliferated only in the last few years, so it may be hard to find practitioners who have closed a lot of short sales. You want to work with those who demonstrate a thorough working knowledge of the short-sale process and who won't try to take advantage of your situation or pressure you to do something that isn't in your best interest. A qualified real estate professional can:

Provide you with a comparative market analysis (CMA) or broker price opinion (BPO).

Help you set an appropriate listing price for your home, market the home, and get it sold.

Put special language in the MLS that indicates your home is a short sale and that lender approval is needed (all MLSs permit, and some now require, that the short-sale status be disclosed to potential buyers).

Ease the process of working with your lender or lenders.

Negotiate the contract with the buyers.

Help you put together the short-sale package to send to your lender (or lenders, if you have more than one mortgage) for approval. You can’t sell your home without your lender and any other lien holders agreeing to the sale and releasing the lien so that the buyers can get clear title.

3. Begin gathering documentation before any offers come in. Your lender will give you a list of documents it requires to consider a short sale. The short-sale “package” that accompanies any offer typically must include:

A hardship letter detailing your financial situation and why you need the short sale

A copy of the purchase contract and listing agreement

Proof of your income and assets

Copies of your federal income tax returns for the past two years

4. Prepare buyers for a lengthy waiting period. Even if you're well organized and have all the documents in place, be prepared for a long process. Waiting for your lender’s review of the short-sale package can take several weeks to months. Some experts say:

If you have only one mortgage, the review can take about two months.

With a first and second mortgage with the same lender, the review can take about three months.

With two or more mortgages with different lenders, it can take four months or longer.

When the bank does respond, it can approve the short sale, make a counteroffer, or deny the short sale. The last two actions can lengthen the process or put you back at square one. (Your real estate attorney and real estate professional, with your authorization, can work your lender’s loss mitigation department on your behalf to prepare the proper documentation and speed the process along.)

5. Don't expect a short sale to solve your financial problems. Even if your lender does approve the short sale, it may not be the end of all your financial woes. Here are some things to keep in mind:

You may be asked by your lender to sign a promissory note agreeing to pay back the amount of your loan not paid off by the short sale. If your financial hardship is permanent and you can’t pay back the balance, talk with your real estate attorney about your options.

Any amount of your mortgage that is forgiven by your lender is typically considered income, and you may have to pay taxes on that amount. Under a temporary measure passed in 2007, the Mortgage Forgiveness Debt Relief Act and Debt Cancellation Act, homeowners can exclude debt forgiveness on their federal tax returns from income for loans discharged in calendar years 2007 through 2012. Be sure to consult your real estate attorney and your accountant to see whether you qualify.

Having a portion of your debt forgiven may have an adverse effect on your credit score. However, a short sale will impact your credit score less than foreclosure and bankruptcy.

 

Downpayment Assistant Program Available For First Time Home Buyers

What is a down payment:


In the purchase of a house is the money you need to bring from your own savings, 401K retirement program or in the case for an fha loan it could be a gift from a family member, friend, boss and anyone that want to contribute to it.

In this particular case you bring your own down payment and you get also down payment assistance from los Angeles City or County.


Cities covered on this program:

The East San Fernando Valley  Cities:  Sylmar, Mission Hills, North Hills, Arleta, Parts of Van Nuys, Panorama City and Sun Valley.

Who Qualifies?

Only First Time Home buyers, those are defined as the ones that never have bought a home, are not on anyone's mortgage loan, or have not own a home in the last 3 years and this applies on all those cases.
 
 There are Income limits for: Low and Moderate Income, for more questions or information contact Alberto Pacheco at 818 481 9211 or by email at: albertopacheco5195@hotmail.com 

You need to assist to a First Time Home Buyer Seminar and get the certificate after completion as proof of assistance.

There is one Program Called New Casa, if you qualify for it you can get up to  60,000 as Down payment assistant to buy only the homes this non profit owns.

Check Available Homes For Sale:  http://granadahills.kwrealty.com/about/


Alberto Pacheco
818 481 9211
albertopacheco@kw.com
www.stoppayingrentinla.com               My Facebook         My Twitter







Bank Repossessions Down 29% Over 12 Months

 Foreclosure filings experienced their eighth straight month of declines, according to RealtyTrac.
In May, filings fell 33% from a year earlier and 2% month-over-month, according to the online marketplace of foreclosed properties. The number of homes that were repossessed (referred to as REOs or real estate-owned properties) in May also declined to 66,879, down 3.8% from April and 29% year-over-year, the firm said.

The huge year-over-year drop in foreclosures doesn't necessarily mean the housing market is staging a recovery, however. James Saccacio, the CEO of RealtyTrac, says the declines are likely due to lingering effects of the "robo-signing" scandal, which broke last September, when it was discovered that banks were playing fast and loose with foreclosure documents.

In some cases, it was found that banks brought foreclosure proceedings upon homeowners when they had no standing to do so. Sloppy paperwork sometimes made it impossible to tell which entity was the rightful owner of the mortgage notes.

To help fix the mess, foreclosure proceedings were temporarily suspended. Even though the suspension has since been lifted, the pace of foreclosures remains significantly slower as banks more thoroughly review each case to ensure they are being handled legally and properly.

Walk away from your mortgage? Get 'ruthless'

"Foreclosure processing delays continue to mask the true face of the foreclosure situation," said Saccacio. "Lenders are somewhat unevenly pushing batches of bad loans through foreclosure as they overhaul their paperwork and documentation procedures."

There's another factor at play, as well. The banks can't sell the homes they've already seized so they aren't as incentivized to repossess more homes."[There's] weak demand from buyers, making it tough for lenders to unload their REO inventory," said Saccacio. "Even at a significantly lower level than a year ago, the new supply of REOs exceeds the amount being sold each month."

The banks don't want to take on the expense of maintaining the homes -- property taxes, heating costs, repairs and insurance -- if they can't sell them quickly. Selling off the inventory of repossessed homes is crucial to the housing market, said Jim Gillespie, CEO of Coldwell Banker. Sold at steep discounts, REOs compete with new homes for buyers and have severely depressed new home sales.
"That's a critical element for the economic recovery," said Gillespie. "If new homes were selling anywhere close to their levels of five years ago, it would add a full point to the GDP."

The steepest drops in filings have come from judicial states, ones in which the courts are involved in repossessions. In these states, where foreclosure proceedings are subject to the scrutiny of the courts, it appears banks are taking special care to make sure they've stamped out the last vestiges of the robo-signing issues.

Nevada, where most cases are handled outside of court, continued to be foreclosure central. One of every 103 households received a notice of some kind in May. However, that was an improvement of 23% compared with May 2010. Arizona, with one filing for every 210 households, and California, one for every 259, were second and third.

The judicial state of Florida, where the housing market is no better, has seen a much greater drop-off in filings over the past year, down 62%. It now has the eighth highest foreclosure rate, of one filing for every 461 households. A year ago, it was in the top four, along with the other "Sand States." provided by cnn money.


Alberto Pacheco
818 481 9211
albertopacheco@kw.com
www.stoppayingrentinla.com
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Sunday, October 09, 2011

Available Foreclosed and Bank Owned Homes In Granada Hills

 Available Foreclosures and Bank Owned Homes in Granada Hills. Starting Price From $ 264,000.

Click The Link Below To View The Homes


FORECLOSED AND BANK OWNED HOMES IN GRANADA HILLS


Alberto Pacheco
(818) 481 9211
Keller Williams Granada Hills
16842 Devonshire St
Granada Hills CA 91344
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