Short Sale Feed

Recent Homes Saved From Foreclosure in El Dorado County, Placer County, and Sacramento County California

2011-07-17T17:25:00.000-07:00

We saved this Seller over $300,000 !. 24Hr recorded message gives details:1 866 866 6662 x1981

Fife Ranch Way, Elk Grove, CA 95625 beds, 3 baths, 3871 sqft, Single Family

Beautifully maintained. Lg bonus room has pool table in it, 1 bed/bath downstairs, Lots of cabinetry in kitchen and extra large island, large patio & waterfall, spacious, lots of light, a must see. Oak Tree Real Estate Services

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These Folks Moved out of"The City"and into "Country Comfort"

That's Right, many people are Trading their Home Equity, for the Safety and Comfort of the Sierra Foothills! Move in to a Newer, Nicer Home with Privacy, for about what they were paying anyway...

24Hr recorded message gives details:1 866 866 6662 x2222

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We Just Saved This Home From Foreclosure....You're Next Oak Tree Real Estate Services

Orchard Woods Cir, Sacramento, CA 95828 2 beds, 2 baths, 1132 sqft, Multi-Family Short sale Half plex 2 bedrooms, 2 baths fireplace

100% Agent antelope apply on-line appraisal asset Asset Management Auburn bank owned,

Dominion Wood Ln, Elk Grove, 95758

Dominion Wood Ln, Elk Grove, CA 95758 Oak Tree Real Estate Services

2 beds, 2 baths, 1189 sqft, Single Family Well maintained small community enviornment.Low maintenance almost zero lot line. Cozy backyard with patio and brick planters. Downstairs open floor plan with wood burning fireplace. 2 master bedrooms each with own bath and a loft upstairs.

real estate,sacramento,el dorado,placer,sell,CMA,evaluation,list,MLS,listing,sold,agent,broker,home

Sunland Ct, Citrus Heights, 95610

Sunland Ct, Citrus Heights, CA 95610 3 beds, 2 baths, 1214 sqft, Single Family Ready to Go,step in place-Bank approved w/contract.Current FHA appraisal. Tile floor entry with storage area. Family room is open with fireplace which can be seen from kitchen dining area. Tile counters in kitchen. Upgraded bathrooms. Backyard has full length concrete patio. Sprinklers front and back.

Oak Tree Real Estate Services

citrus heights,doug demetre,real estate,home,homes,for sale

We Just Saved This Family From Foreclosure - Jasper Ct, Sacramento,

Jasper Ct, Sacramento, CA 95829 4 beds, 3 baths, 2229 sqft, Single Family Well maintained, clean & neat. Large backyard with patio. Side yard could house car/boat. Sellers love this location & their neighbors and would be willing to rent back if buyer is interested. Tall ceilings, 1 bedroom & full bath downstairs. Too much to list and a must see.

Oak Tree Real Estate Services

Orangevale,Sacramento,Folsom,Roseville,Fair Oaks,Jill Berni,short sale,foreclosure,realtor,home

We Saved This Home From Foreclosure, and the Owner Lease Optioned Another Home for 1/2 of the old Payment! ...SAVE Your Home... 24Hr Msg gives details: 866 866 6662 x5555

Durock Rd, Shingle Springs, CA 95682 3 beds, 1 baths, 950 sqft, Single Family Per owner, roof with 3 solar tubes, siding, dual panes, laminate flooring, & stove approx 4 yrs old. 60 gal hot water heater. Half bath has room for a shower to be installed. Lots of room for parking. 1 car detached garage. Sq footage doesn't include convtd attached garage. Ceiling fans, inside laundry & more. Owner will clean up yard. A lot of house for the money.

Oak Tree Real Estate Services

Orangevale,Sacramento,Folsom,Roseville,Fair Oaks,Jill Berni,short sale,foreclosure,realtor,home

De Ponti Dr, Orangevale, 95662......Sold in 5 Days...You're Next !

De Ponti Dr, Orangevale, CA 95662 2 beds, 1 baths, 647 sqft, Single Family Large Lot,Located at end of private road.Great starter home or investment. Light fixer.Per owner,roof& siding 5yrs old. 2 bedroom home does feel spacious. Neat and clean.Large front,side & back yards:plenty of parking for Equipment or RVs. Shortsale MUST close by Feb 18th. Please DRIVE SLOWLY on this Quiet lane, for neighbors sake.

Oak Tree Real Estate Services

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Cool Tools

JILL Sold Hazeltine, Roseville, ....She saved the Sellers over $200k !

Hazeltine Ln, Roseville, CA 95747 4 beds, 3 baths, 2986 sqft, Single Family Shows Well...Fussy Buyers Welcome. Priced below recent sales for easy Financability. Walk to nearby Pond and Greenbelt. Bicycle-friendly neighborhood. Homes in this Area have been selling well for much more! Rare Livingroom/Diningroom/Kitchen/Patio Combo, roomy enough for the largest of Gatherings.

Oak Tree Real Estate Services

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Realtor in El Dorado Hills Jill Berni, Broker/Owner of OakTree Real Estate Services

2010-04-07T11:21:00.000-07:00

My Real Estate Digest
Local Mapquest El Dorado Hills Ca

My Observations

courtesy of Jill Berni-Realtor/Broker, El Dorado Hills Ca.

Real Estate RSS Feeds ...courtesy of JILL BERNI - Home Loan Broker

jill berni in El Dorado Hills, CA 95762 on Yahoo! Local Yahoo! Search: jill berni E... • 17 hours ago

Realtor in El Dorado Hills, Reviews, JILL BERNI – Google Map Yahoo! Search: JILL BERNI,B... • 19 hours ago

Free Estate Planning Seminars craigslist sacramento | all... • 20 hours ago

agent

National open house weekend JILL BERNI - Real Estate • 8 hours ago

Home repair list grows JILL BERNI - Real Estate • 12 hours ago

30 days and counting: Homebuyer tax credit expires shortsale « WordPress... • 15 hours ago

broker

Keeping your eyes open JILL BERNI - Real Estate • 2 days ago

Americans embrace outdoor living JILL BERNI - Real Estate • 5 days ago

Sweating the small stuff JILL BERNI - Real Estate • 5 days ago

california

Marathon of Home Repairs: New light JILL BERNI - Real Estate • 8 days ago

Is your Realtor a good negotiator? JILL BERNI - Real Estate • 9 days ago

Bruce Springsteen sells at $1 million loss JILL BERNI - Real Estate • 12 days ago

El Dorado Hills & Folsom Lake Area

How appraisers determine value

Home sellers sometimes ask how they can make their home look especially great to impress an appraiser and perhaps lock in a higher sales price for their property. The question is understandable since appraisals are getting a lot of scrutiny these days, and an appraisal that’s “too low” (i.e., less than the agreed-upon sales price) can throw a wrench into the machinery of a sale. Appraisers general

JILL BERNI - Real Estate • 8 days ago

Marathon of Home Repairs: Floors

Something else always needs to be done first. That’s another lesson I’ve learned from the marathon of house repairs I began in mid-March. I started the self-described “marathon” because my slow approach to maintenance and repairs over the last seven years has resulted in a long list of deferred jobs that now need to be done, well, now. I identified the what-comes-first lesson when I called out a f

JILL BERNI - Real Estate • 9 days ago

Marathon of Home Repairs: backyard fix

It always costs more—more than you’d planned, more than you’d expected, more than you’d budgeted or more than you’d hoped. That’s one lesson I’ve learned during the first week of my marathon of home repairs. The lesson was brought home when I reviewed the design my landscape contractor submitted for my backyard. The design is fabulous. Gone are the big plot of tired grass, termite-infested apr

JILL BERNI - Real Estate • 12 days ago

Marathon of home repairs: bathroom light

There’s always a catch. I’ve said that before, and no doubt I’ll have to say it again as I continue the marathon of home repairs that I started earlier this month. The goals are to catch up on deferred maintenance, repair a number of small daily annoyances and update the landscaping in my back yard. The latest catch involves the new light fixture I bought for the one bathroom in my house. The e

JILL BERNI - Real Estate • 13 days ago

Marathon of home repairs: new shower JILL BERNI - Real Estate • 13 days ago

Less green for eco-friendly homes JILL BERNI - Real Estate • 14 days ago

Singer Josh Groban looks to sell JILL BERNI - Real Estate • 14 days ago

foreclosure

Oaktree Home

We moved to El Dorado Hills in 1981 and have seen so much change. There isn't a concrete price per square foot because we have such a variety of homes here. The bulk of properties that are available are either foreclosed properties or pre-foreclosure also know as shortsale. The lenders are loosing very large amounts so they ofcourse want the most possible. If you are open as to the condition o

Jill Berni Realtor in El Dorado Hills Ca • 1 day ago

Can a homeowner contact the lender on their own?

Yes, however an advocate who is trained in extracting useful information from you and then applying it in discussions with a lending institution with which there is already an established relationship is where the difference is made. A lender is less likely to modify the terms of the contract with a person that has had problems before and who has not had everything reviewed by legal counsel. Revie

mortgage-modification « WordPress.co... • by jackcfla • 2 days ago

Our view on foreclosures: Get out of the business of mortgage modifications mortgage-modification &laqu... • 6 days ago

Communities And Foreclosures Topics At Fed Conference mortgage-modification &laqu... • 6 days ago

OneWest Bank / IndyMac Horror Story: Lender Approves Loan Modification For Couple Several Months After Foreclosing & Giving Them The Boot mortgage-modification &laqu... • 20 days ago

loan

Gov’t aims to speed up approvals

A new government initiative is aiming to make so-called “short sales” easier to complete. The Home Affordable Foreclosure Alternatives program takes effect Monday, designed to speed up the short-sale process. Short sales involve selling distressed properties for less than consumers’ unpaid mortgage balances so as to avoid foreclosure. Lenders will “eat” the difference, as doing so usually costs le

short-sale « WordPress.com Tag Feed • by Jeff Green - REALTOR • 14 hours ago

Government's short-sale aid implemented

Government’s short-sale aid implemented HAFA meant to limit foreclosures By HUBBLE SMITH LAS VEGAS REVIEW-JOURNAL Provisions of Home Affordable Foreclosure Alternatives ■ Complements the Home Affordable Mortgage Program by providing a viable alternative for borrowers (the current homeowners) who are HAMP eligible but nevertheless unable to keep their home. ■ Uses borrower financial and hardship

short-sale « WordPress.com Tag Feed • by NV Short Sale & Foreclosure Resource • 15 hours ago

10 First-time Homebuyer Mistakes

As a first time homebuyer, it's easy to make mistakes. Get educated here and learn the biggest mistakes to avoid as a first-time homebuyer.

HowStuffWorks.com: Real Estate - RSS • 7 days ago

10 Things First-time Homebuyers Want, but Don't ...

There are some things first-time homebuyers want but don't really need. Check out our top 10 things first-time homebuyers want, but don't need.

HowStuffWorks.com: Real Estate - RSS • 7 days ago

Non-Profit Lenders Step in to Provide Post-Foreclosure Modification mortgage-modification &laqu... • 12 days ago

Bank of America to "Forgive" Principal on Troubled Mortgages mortgage-modification &laqu... • 13 days ago

JILL BERNI - Short Sale Feed Craigslist - Sacramento, Placer County, El Dorado C... Short Sale Feed - Jill Be... • 13 days ago

loan modification

The HAMP Loan Modification Evaluator Tool and Questionnaire mortgage-modification &laqu... • 10 days ago

New mortgage relief program mortgage-modification &laqu... • 10 days ago

Want to Buy Your Loan?: Toxic Asset Plan Foresees Big Subsidies for Investors mortgage-modification &laqu... • 11 days ago

mortgage

10 Things to Do When You Arrive at Your New Home

Are you looking for things to do when you arrive at your new home? Check out our top 10 things to do when you arrive at your new home.

HowStuffWorks.com: Real Estate - RSS • 7 days ago

10 Things You Should Do Two Months Before a Move

There are some important things to do two months before you move. Be prepared and check out our top 10 things to do two months before you move.

HowStuffWorks.com: Real Estate - RSS • 7 days ago

10 Tips for Hiring a Professional Mover

Are you looking for some helpful tips for hiring a professional mover? Check out this article and get some tips for hiring a professional mover.

HowStuffWorks.com: Real Estate - RSS • 7 days ago

10 Tips for Managing a Moving Sale

Are you looking for some instructive tips for managing a moving sale? Check out this article and get some tips for managing a moving sale.

HowStuffWorks.com: Real Estate - RSS • 7 days ago

10 Tips for Moving with Children HowStuffWorks.com: Real Est... • 7 days ago

10 Tips for Packing HowStuffWorks.com: Real Est... • 7 days ago

5 Difficult Things to Move HowStuffWorks.com: Real Est... • 7 days ago

JILL BERNI - HowStuffWorks.com: Real Estate - RSS ★ 30

2010-03-31T12:09:00.000-07:00

JILL BERNI| HowStuffWorks.com: Real Estate -

Today

10 First-time Homebuyer Mistakes

As a first time homebuyer, it's easy to make mistakes. Get educated here and learn the biggest mistakes to avoid as a first-time homebuyer.

1 hour ago

10 Things First-time Homebuyers Want, but Don't Need

There are some things first-time homebuyers want but don't really need. Check out our top 10 things first-time homebuyers want, but don't need.

1 hour ago

10 Things to Do When You Arrive at Your New Home

Are you looking for things to do when you arrive at your new home? Check out our top 10 things to do when you arrive at your new home.

1 hour ago

10 Things You Should Do Two Months Before a Move

There are some important things to do two months before you move. Be prepared and check out our top 10 things to do two months before you move.

1 hour ago

10 Tips for Hiring a Professional Mover

Are you looking for some helpful tips for hiring a professional mover? Check out this article and get some tips for hiring a professional mover.

1 hour ago

10 Tips for Managing a Moving Sale

Are you looking for some instructive tips for managing a moving sale? Check out this article and get some tips for managing a moving sale.

1 hour ago

10 Tips for Moving with Children

Are you looking for some excellent tips for moving with children? Check out this article and get some tips for moving with children.

1 hour ago

10 Tips for Packing

Are you looking some helpful tips for packing? Check out this article and get 10 excellent tips for packing and more.

1 hour ago

5 Difficult Things to Move

There are simply some difficult things to move based on size, shape or other reasons. Check out these top 5 difficult things to move.

1 hour ago

5 Moving Day Tips

Are you looking for some moving day tips to help you get organized the day of the big move? Check out these top 5 moving day tips.

1 hour ago

2010-03-24T12:51:00.000-07:00

JILL BERNI - Short Sale Feed Craigslist - Sacramento, Placer County, El Dorado County California

Who do you know that needs to be saved from an impending Foreclosure.

We are funded from the lenders Stimulus Money, so there is no net cost to you !
... No Matter What You Owe ! ...Who do you know that needs to be Saved from From Foreclosure, but has no Money ?
Our Experienced Intention is, to ease the Burden of your house payments, and to help you move into a more affordable Home..(.possibly the one you live in for about 1/2)....
24Hr recorded message gives details:1 866 866 6662 x5555 ....
Any type of situation will be considered, for you or a deserving Friend.
We have several years of experience helping our Friends and Family, and we will give you the benefit of this experience, at no Cost to you.
..It's not an insult to seek 'Professional Help"
Jill Berni - Broker/Owner Celebrating 30 Years of Customer Service...Licensed and Fully Insured.....
Serving: SACRAMENTO,EL DORADO,and PLACER County,CA.
OakTree Real Estate Services
DRE#01043608.
http://www.ResistForeclosure.net
24Hr recorded message gives details:1 866 866 6662 x5555
***************************** Licensed ************************** Fully Insured ****************
SERVING:
Sacramento County
El Dorado County
Placer County

Realtor in El Dorado Hills,Realtor, http://www.ResistForeclosure.net ,Oak tree home and loan,El Dorado County, Garden Valley (95633), Rescue (95672), Shingle Springs / Cameron Park (95682), Coloma (95613), Placerville (95667,) El Dorado Hills (95762), Cool (95614), Pilot Hill (95664), El Dorado (95623), Diamond Springs (95619), Lotus (95651), Placer County, Penryn (95663), Rocklin (95677), Granite Bay (95746), Roseville (95661), Lincoln (95645) Roseville (95747), Lincoln (95648), Roseville (95678), Loomis (95650), Newcastle (95658). Sacramento County, Carmichael (95608), North Sacramento Natomas Del Paso Heights (95838), Sacramento Elder Creek Fruitridge (95820), Citrus Heights (95621), North Sacramento Natomas Del Paso Heights (95833), Sacramento Elder Creek Fruitridge (95824), Sacramento Downtown Midtown (95816), North Sacramento Natomas Del Paso Heights (95835), Sacramento Florin & Vicinity (95829), North Sacramento Natomas Del Paso Heights (95834), North Sacramento Natomas Del Paso Heights (95836), Sacramento Florin & Vicinity (95830), East Sacramento & Vicinity (95817), Orangevale (95662), SACRAMENTO COUNTY Sacramento Florin & Vicinity (95828), East Sacramento & Vicinity (95819), Ranch Cordova Gold River (95670), Sacramento Foothill Farms (95842), Elk Grove (95758), Rancho Cordova (95742), Sacramento Franklin Freeport Vicinity (95823), Elk Grove (95757), Rancho Murieta (95683), Sacramento Franklin Freeport Vicinity (95832), Elk Grove (95624), Represa (95671), Sacramento International Airport & Vicinity (95837), Elverta (95626), Rio Linda (95673), Sacramento Land Park Curtis Park (95818), Fair Oaks (95628), North Highlands& Vicinity (95660), Sacramento Rosemont College Greens Mayhew (95827), Folsom & Vicinity (95630), Sacramento Antelope (95843), Sacramento Rosemont College Greens Mayhew (95826), Galt (95632), Sacramento Arden Arcade Creek Vicinity (95821), Sacramento So Land Park Greenhaven (95831), Herald (95638), Sacramento Arden Arcade Creek Vicinity (95841), Sacramento South Land Park Greenhaven (95822), Sacramento Downtown Midtown (95814), Sacramento Arden Arcade Creek Vicinity (95864), Sacramento Arden-Arcade Creek Vicinity (95815), Mather (95655), Sacramento Arden Arcade Creek Vicinity (95825), Wilton (95693). Jill Berni - Celebrating 30 Years of Customer Service BROKER/OWNER 916 834-2822 916 933-4454 -fax WWW.GOTOOAKTREE.COM CaDRE#01043608 •Location: Sacramento El Dorado Placer * Location: Sacramento - El Dorado - Placer , Garden Valley (95633), Rescue (95672), Shingle Springs / Cameron Park (95682), Coloma (95613), Placerville (95667,) El Dorado Hills (95762), Cool (95614), Pilot Hill (95664), El Dorado (95623), Diamond Springs (95619), Lotus (95651), Placer County, Penryn (95663), Rocklin (95677), Granite Bay (95746), Roseville (95661), Lincoln (95645) Roseville (95747), Lincoln (95648), Roseville (95678), Loomis (95650), Newcastle (95658). Sacramento County, Carmichael (95608), North Sacramento Natomas Del Paso Heights (95838), Sacramento Elder Creek Fruitridge (95820), Citrus Heights (95621), North Sacramento Natomas Del Paso Heights (95833), Sacramento Elder Creek Fruitridge (95824), Sacramento Downtown Midtown (95816), North Sacramento Natomas Del Paso Heights (95835), Sacramento Florin & Vicinity (95829), North Sacramento Natomas Del Paso Heights (95834), North Sacramento Natomas Del Paso Heights (95836), Sacramento Florin & Vicinity (95830), East Sacramento & Vicinity (95817), Orangevale (95662), SACRAMENTO COUNTY Sacramento Florin & Vicinity (95828), East Sacramento & Vicinity (95819), Ranch Cordova Gold River (95670), Sacramento Foothill Farms (95842), Elk Grove (95758), Rancho Cordova (95742), Sacramento Franklin Freeport Vicinity (95823), Elk Grove (95757), Rancho Murieta (95683), Sacramento Franklin Freeport Vicinity (95832), Elk Grove (95624), Represa (95671), Sacramento International Airport & Vicinity (95837), Elverta (95626), Rio Linda (95673), Sacramento Land Park Curtis Park (95818), Fair Oaks (95628), North Highlands& Vicinity (95660), Sacramento Rosemont College Greens Mayhew (95827), Folsom & Vicinity (95630), Sacramento Antelope (95843), Sacramento Rosemont College Greens Mayhew (95826), Galt (95632), Sacramento Arden Arcade Creek Vicinity (95821), Sacramento So Land Park Greenhaven (95831), Herald (95638), Sacramento Arden Arcade Creek Vicinity (95841), Sacramento South Land Park Greenhaven (95822), Sacramento Downtown Midtown (95814), Sacramento Arden Arcade Creek Vicinity (95864), Sacramento Arden-Arcade Creek Vicinity (95815), Mather (95655), Sacramento Arden Arcade Creek Vicinity (95825), Wilton (95693). Jill Berni - Celebrating 30 Years of Customer Service BROKER/OWNER 916 834-2822 916 933-4454 -fax WWW.GOTOOAKTREE.COM Broker#01043608 •Location: Sacramento Placer El Dorado,...Realtor in El Dorado Hills,Realtor,Oak tree home and loan, El Dorado Hills,CA,REO,inventory,MLS,listings,evaluation,appraisal,Bank-owned,Sacramento,home,loan,first time,buyer,mortgages,my,real estate,forclosure,foreclosure,lendingtree,purchase 100%,relocation,find,Asset Management,home,loans,pre foreclosure,pre forclosure, short sale,foreclosure mortgage, stop foreclosure, foreclosure credit ,foreclosure help, bankruptcy foreclosure, pre foreclosure, deed lieu short sell, deed lieu of foreclosure, foreclosure loan, to stop foreclosure, avoid foreclosure, mortgage foreclosures, foreclosure prevention, short foreclosure, short sale foreclosure, what is foreclosure, what is short sale, avoid bankruptcy ,home short sale, foreclosure refinance, preforeclosure, to avoid foreclosure, shortsale, foreclosure bailout, 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*Don't Hire Any Realtor to Sell Your Home, until you read this... (...Sacramento - Placer -El Dorado County)
Tuesday, March 23, 2010 2:06 PM

**************** Licensed ******************** Fully Insured **********************************

When You Absolutely, Positively NEED to Get Out of Your House...
you Must hire the most Experienced Broker you can find....
Not all Realtors' have been Fully Trained by Dozens of years of Successful Experience !

http://www.SellYourHomeForAllitsWorth.com
Jill Berni, Specialized Broker

Celebrating 30 years of Customer Service......"You can't bring her a Problem that she hasn't Solved before"....( no brag, just fact )

Serving Northern California:
Sacramento County
El Dorado County
Placer County
CaDRE#01043608
Including:
Garden Valley (95633), Rescue (95672), Shingle Springs / Cameron Park (95682), Coloma (95613), Placerville (95667,) El Dorado Hills (95762), Cool (95614), Pilot Hill (95664), El Dorado (95623), Diamond Springs (95619), Lotus (95651), Placer County, Penryn (95663), Rocklin (95677), Granite Bay (95746), Roseville (95661), Lincoln (95645) Roseville (95747), Lincoln (95648), Roseville (95678), Loomis (95650), Newcastle (95658). Sacramento County, Carmichael (95608), North Sacramento Natomas Del Paso Heights (95838), Sacramento Elder Creek Fruitridge (95820), Citrus Heights (95621), North Sacramento Natomas Del Paso Heights (95833), Sacramento Elder Creek Fruitridge (95824), Sacramento Downtown Midtown (95816), North Sacramento Natomas Del Paso Heights (95835), Sacramento Florin & Vicinity (95829), North Sacramento Natomas Del Paso Heights (95834), North Sacramento Natomas Del Paso Heights (95836), Sacramento Florin & Vicinity (95830), East Sacramento & Vicinity (95817), Orangevale (95662), SACRAMENTO COUNTY Sacramento Florin & Vicinity (95828), East Sacramento & Vicinity (95819), Ranch Cordova Gold River (95670), Sacramento Foothill Farms (95842), Elk Grove (95758), Rancho Cordova (95742), Sacramento Franklin Freeport Vicinity (95823), Elk Grove (95757), Rancho Murieta (95683), Sacramento Franklin Freeport Vicinity (95832), Elk Grove (95624), Represa (95671), Sacramento International Airport & Vicinity (95837), Elverta (95626), Rio Linda (95673), Sacramento Land Park Curtis Park (95818), Fair Oaks (95628), North Highlands& Vicinity (95660), Sacramento Rosemont College Greens Mayhew (95827), Folsom & Vicinity (95630), Sacramento Antelope (95843), Sacramento Rosemont College Greens Mayhew (95826), Galt (95632), Sacramento Arden Arcade Creek Vicinity (95821), Sacramento So Land Park Greenhaven (95831), Herald (95638), Sacramento Arden Arcade Creek Vicinity (95841), Sacramento South Land Park Greenhaven (95822), Sacramento Downtown Midtown (95814), Sacramento Arden Arcade Creek Vicinity (95864), Sacramento Arden-Arcade Creek Vicinity (95815), Mather (95655), Sacramento Arden Arcade Creek Vicinity (95825), Wilton (95693). Jill Berni - Celebrating 30 Years of Customer Service

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Know Someone Facing Foreclosure? You can be an Anonymous Benefactor (Sacramento Placer, El dorado County) Tuesday, March 23, 2010 2:04 PM

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*Program Will Pay Homeowners to Sell at No Loss to Them ! (Sacramento - Placer - El Dorado County)
Tuesday, March 23, 2010 1:46 PM

Program Will Pay Homeowners to Sell at a Loss

By DAVID STREITFELD
New York Times excerpt: March 7, 2010

In an effort to end the foreclosure crisis, the Obama administration has been trying to keep defaulting owners in their homes. Now it will take a new approach: paying some of them to leave.
This latest program, which will allow owners to sell for less than they owe and will give them a little cash to speed them on their way, is one of the administration’s most aggressive attempts to grapple with a problem that has defied solutions.

More than five million households are behind on their mortgages and risk foreclosure. The government’s $75 billion mortgage modification plan has helped only a small slice of them. Consumer advocates, economists and even some banking industry representatives say much more needs to be done.
For the administration, there is also the concern that millions of foreclosures could delay or even reverse the economy’s tentative recovery — the last thing it wants in an election year.
Taking effect on April 5, the program could encourage hundreds of thousands of delinquent borrowers who have not been rescued by the loan modification program to shed their houses through a process known as a short sale, in which property is sold for less than the balance of the mortgage. Lenders will be compelled to accept that arrangement, forgiving the difference between the market price of the property and what they are owed.

“We want to streamline and standardize the short sale process to make it much easier on the borrower and much easier on the lender,” said Seth Wheeler, a Treasury senior adviser.
The problem is highlighted by a routine case in Phoenix. Chris Paul, a real estate agent, has a house he is trying to sell on behalf of its owner, who owes $150,000. Mr. Paul has an offer for $48,000, but the bank holding the mortgage says it wants at least $90,000. The frustrated owner is now contemplating foreclosure.
To bring the various parties to the table — the homeowner, the lender that services the loan, the investor that owns the loan, the bank that owns the second mortgage on the property — the government intends to spread its cash around.

Under the new program, the servicing bank, as with all modifications, will get $1,000. Another $1,000 can go toward a second loan, if there is one. And for the first time the government would give money to the distressed homeowners themselves. They will get $1,500 in “relocation assistance.”
Should the incentives prove successful, the short sales program could have multiple benefits. For the investment pools that own many home loans, there is the prospect of getting more money with a sale than with a foreclosure.
For the borrowers, there is the likelihood of suffering less damage to credit ratings. And as part of the transaction, they will get the lender’s assurance that they will not later be sued for an unpaid mortgage balance.

For communities, the plan will mean fewer empty foreclosed houses waiting to be sold by banks. By some estimates, as many as half of all foreclosed properties are ransacked by either the former owners or vandals, which depresses the value of the property further and pulls down the value of neighboring homes.
If short sales are about to have their moment, it has been a long time coming. At the beginning of the foreclosure crisis, lenders shunned short sales. They were not equipped to deal with the labor-intensive process and were suspicious of it.
The lenders’ thinking, said the economist Thomas Lawler, went like this: “I lend someone $200,000 to buy a house. Then he says, ‘Look, I have someone willing to pay $150,000 for it; otherwise I think I’m going to default.’ Do I really believe the borrower can’t pay it back? And is $150,000 a reasonable offer for the property?”

“You have one loan, it’s no sweat to get a short sale,” said Howard Chase, a Miami Beach agent who says he does around 20 short sales a month. “But the second mortgage often is the obstacle.”
Major lenders seem to be taking a cautious approach to the new initiative. In many cases, big banks do not actually own the mortgages; they simply administer them and collect payments. J. K. Huey, a Wells Fargo vice president, said a short sale, like a loan modification, would have to meet the requirements of the investor who owns the loan.
“This is not an opportunity for the customer to just walk away,” Ms. Huey said. “If someone doesn’t come to us saying, ‘I’ve done everything I can, I used all my savings, I borrowed money and, by the way, I’m losing my job and moving to another city, and have all the documentation,’ we’re not going to do a short sale.”
But even if lenders want to treat short sales as a last resort for desperate borrowers, in reality the standards seem to be looser.

Steve Reddy, a lawyer and commercial real estate investor who lives in Miami Beach, bought a one-bedroom condominium in 2005, spent about $30,000 on improvements and ended up owing $540,000. Three years later, the value had fallen by 40 percent.
Mr. Reddy wanted to get out from under his crushing monthly payments. He lost a lot of money in the crash but was not in default. Nevertheless, his bank let him sell the place for $360,000 last summer.
“A short sale provides peace of mind,” said Mr. Reddy, 32. “If you’re in foreclosure, you don’t know when they’re ultimately going to take the place away from you.”
Mr. Reddy still lives in the apartment complex where he bought that condo, but is now a renter paying about half of his old mortgage payment. Another benefit, he said: “The place I’m in now is nicer and a little bigger.”
A version of this article appeared in print on March 8, 2010, on page A1 of the New York edition.

courtesy of JILL BERNI, Home & Loan Broker, Celebrating 30 years of Customer Service.

"You can't bring her a Problem that she hasn't Solved before"

Why are Wachovia/World Savings the Only ones to Offer a $25OO Reward? (Sacramento- Placer - El Dorado County)
Tuesday, March 23, 2010 1:37 PM

At last,... We have been in discussion with upper management at Wachovia bank, regarding their Delinquent World/Wachovia Loans.

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JILL BERNI, Broker - Celebrating 30 years of Customer Service

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Tuesday, March 23, 2010 1:33 PM

Don't feel alone. Lots of people, just like you, are Borrowing from their Credit Cards, and their Life Savings...just to "Appear" current on their Credit report..

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"you can't bring her a Problem that she hasn't Solved before"

SERVICE AREA (NORTHERN CALIFORNIA)

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BROKER/OWNER

********************** Licensed ******************* Fully Insured ***************************

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You're Stealing from your Savings to make your House Payments?..Really (.Sacramento -Placer -El Dorado County)
Tuesday, March 23, 2010 1:32 PM

*******************************************************************************************

.You're not alone. Lots of people, just like you, are Borrowing from their Credit Cards, and their Life Savings...just to "Appear" current on their Credit report..

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Who you know that is behind on their House Payments...?

Banks have recently changed the way they do business. You can Avoid "7 years Bad Luck"on your Credit Report.

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* .Highly Specialized Broker,

( I Have Personally Helped 1OOs of Home Owners with their Exit Strategies, over the Past 30 Years...)

If you have a Notice of Default or Trustee Sale Date it's NOT too late to save your credit from a foreclosure. A Short Sale Modification may be the answer.

Even if you're not behind in payments, I can work for you, with NO damage to your credit.

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"you can't bring her a Problem that she hasn't Solved before"

http://www.ResistForeclosure.net

Jill Berni - Celebrating 30 Years of Customer Service

BROKER/OWNER

********************** Licensed ******************* Fully Insured ***************************

SERVICE AREA (NORTHERN CALIFORNIA)

SACRAMENTO COUNTY,

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including:

Advanced Specializations in:

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*******************************************************************************************

Short Sale Feed

Recent Homes Saved From Foreclosure in El Dorado County, Placer County, and Sacramento County California

Realtor in El Dorado Hills Jill Berni, Broker/Owner of OakTree Real Estate Services

My Observations

courtesy of Jill Berni-Realtor/Broker, El Dorado Hills Ca.

Real Estate RSS Feeds ...courtesy of JILL BERNI - Home Loan Broker

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El Dorado Hills & Folsom Lake Area

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JILL BERNI - HowStuffWorks.com: Real Estate - RSS ★ 30

*Don't Hire Any Realtor to Sell Your Home, until you read this... (...Sacramento - Placer -El Dorado County)
Tuesday, March 23, 2010 2:06 PM

Are You Living in the Wrong House... Need a No Cost Solution ? (.Sacramento El Dorado Placer County)
Tuesday, March 23, 2010 1:53 PM

You Can't bring her a Problem that she hasn't Solved before... (Sacramento Placer El Dorado)
Tuesday, March 23, 2010 1:49 PM

*Program Will Pay Homeowners to Sell at No Loss to Them ! (Sacramento - Placer - El Dorado County)
Tuesday, March 23, 2010 1:46 PM

Why are Wachovia/World Savings the Only ones to Offer a $25OO Reward? (Sacramento- Placer - El Dorado County)
Tuesday, March 23, 2010 1:37 PM

Are You Really Stealing from your Savings to make your House Payments? ( Sacramento - El DoradoCounty- Placer)
Tuesday, March 23, 2010 1:33 PM

You're Stealing from your Savings to make your House Payments?..Really (.Sacramento -Placer -El Dorado County)
Tuesday, March 23, 2010 1:32 PM

Real Estate Home Inspections------- Sacramento area. (Sacramento)
Tuesday, March 23, 2010 12:15 PM

Short Sale Feed

Recent Homes Saved From Foreclosure in El Dorado County, Placer County, and Sacramento County California

Realtor in El Dorado Hills Jill Berni, Broker/Owner of OakTree Real Estate Services

My Observations

courtesy of Jill Berni-Realtor/Broker, El Dorado Hills Ca.

Real Estate RSS Feeds ...courtesy of JILL BERNI - Home Loan Broker

agent

Video Gallery

broker

california

Photo Gallery

El Dorado Hills & Folsom Lake Area

foreclosure

loan

loan modification

mortgage

JILL BERNI - HowStuffWorks.com: Real Estate - RSS ★ 30

*Don't Hire Any Realtor to Sell Your Home, until you read this... (...Sacramento - Placer -El Dorado County) Tuesday, March 23, 2010 2:06 PM

Are You Living in the Wrong House... Need a No Cost Solution ? (.Sacramento El Dorado Placer County) Tuesday, March 23, 2010 1:53 PM

You Can't bring her a Problem that she hasn't Solved before... (Sacramento Placer El Dorado) Tuesday, March 23, 2010 1:49 PM

*Program Will Pay Homeowners to Sell at No Loss to Them ! (Sacramento - Placer - El Dorado County) Tuesday, March 23, 2010 1:46 PM

Why are Wachovia/World Savings the Only ones to Offer a $25OO Reward? (Sacramento- Placer - El Dorado County) Tuesday, March 23, 2010 1:37 PM

Are You Really Stealing from your Savings to make your House Payments? ( Sacramento - El DoradoCounty- Placer) Tuesday, March 23, 2010 1:33 PM

You're Stealing from your Savings to make your House Payments?..Really (.Sacramento -Placer -El Dorado County) Tuesday, March 23, 2010 1:32 PM

Real Estate Home Inspections------- Sacramento area. (Sacramento) Tuesday, March 23, 2010 12:15 PM

*Don't Hire Any Realtor to Sell Your Home, until you read this... (...Sacramento - Placer -El Dorado County)
Tuesday, March 23, 2010 2:06 PM

Are You Living in the Wrong House... Need a No Cost Solution ? (.Sacramento El Dorado Placer County)
Tuesday, March 23, 2010 1:53 PM

You Can't bring her a Problem that she hasn't Solved before... (Sacramento Placer El Dorado)
Tuesday, March 23, 2010 1:49 PM

*Program Will Pay Homeowners to Sell at No Loss to Them ! (Sacramento - Placer - El Dorado County)
Tuesday, March 23, 2010 1:46 PM

Why are Wachovia/World Savings the Only ones to Offer a $25OO Reward? (Sacramento- Placer - El Dorado County)
Tuesday, March 23, 2010 1:37 PM

Are You Really Stealing from your Savings to make your House Payments? ( Sacramento - El DoradoCounty- Placer)
Tuesday, March 23, 2010 1:33 PM

You're Stealing from your Savings to make your House Payments?..Really (.Sacramento -Placer -El Dorado County)
Tuesday, March 23, 2010 1:32 PM

Real Estate Home Inspections------- Sacramento area. (Sacramento)
Tuesday, March 23, 2010 12:15 PM