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RE/MAX Homes & Estates
Pre-Foreclosure Division
(714) 588 -7676 ∙ www.remaxann.com
If you are in a situation where:
• You lost your job
• Your Medical Expenses are too high
• Just went through/going through a divorce
• You are behind on your payments
• You have no equity
• You can't afford the cost of selling your home
• Your income has been reduced
• You are in foreclosure
WE CAN HELP YOU! It's easy and doesn't cost you any MONEY! Our services are Free!!!
WHEN THE DEBT EXCEEDS YOUR HOME'S VALUE... we can help is with a SHORT SALE.
Benefits of a Short Sale:
• Avoid Foreclosure
• Avoid Bankruptcy
• Reduced damage to your credit
• Postpone your foreclosure sale date
• A short sale will stay on your credit approx 3 years
• BE FREE of financial and emotional burdens!
We are licensed Realtors that specializes in avoiding foreclosure. We will NOT buy your home, but will assist you in selling your home quickly. The lender will cover all closing costs including Realtor commissions. We can make selling your home MUCH EASIER FOR YOU and lift much of the financial burden off your shoulders-- OUR SERVICES DOES NOT COST YOU ANY MONEY!!!
You can sell your property and lift the financial weight off yourself with the help of a experienced short sale Realtor. Re/Max Homes and Estates short sale division has closed over 120 short sales nationwide within the last year. We have a 95% success rate. Do not trust just anyone to handle your short sale. List your home with an experienced Orange County short sale Realtor.
Regardless of your current situation I am here to assist you, so call me today to help you find a solution! You have options which can enable you avoid foreclosure proceedings and escape the 10 year scar it will leave on your credit, therefore, your future. Stop the inevitable and don't face Foreclosure IF YOU DO NOT HAVE TO! Best of all with a short sale my commission will be paid by the bank, so you won't have any out-of-pocket expense!
www.remaxann.com for more info or give me a call at (714) 588-7676
#01451803
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The Department of Housing and Urban Development (HUD) recently announced changes to help improve the ratio of trail loan modifications to successful permanent modifications. These changes are supposed to take effect June 1.
We'll see if how this change works out. I'm still waiting for banks to provide us pre-approved short sales.
Seven Gables Real Estate
License #01727426
www.TheOCExperts.com
Direct: 714 276-7006
Fax: 714 917-2293
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Our partners at Bank of America provided this update on FHA Loans:
Effective for loans with case numbers assigned after April 5, 2010, FHA will collect an up-front MIP (mortgage insurance premium) of 2.25% (up from the current 1.75%). While this increase is certainly not good news, the financial impact is less than you might expect. On a $300,000 FHA loan, for example, the increase adds $1500 to the loan balance but this increase is financed over 30 years so the increase in the actual mortgage payment is only $8.28 per month.
No one likes to pay more but it is also important that we keep the FHA insurance fund solvent. There are other restrictions coming including tighter condominium requirements and the potential for an increase in monthly MI premiums but we will save that good news for another time!
Seven Gables Real Estate
License #01727426
www.TheOCExperts.com
Direct: 714 276-7006
Fax: 714 917-2293
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...or am I just being stubborn?
I read that among Smartphone/PDA users, 97% of them are carrying a Blackberry or an iPhone. That floored me because the author speculated the other apps will not be available before long. (His timeline was in the next 5 years.)
I wonder if he is right or if Google will make the same impact they did as their Internet presence. I remember over 10 years ago in the Detective Bureau being asked why I was using Google. EVERYONE else back there in the bullpen used Yahoo! at the time.
I said I thought Google's search returns were better and I preferred it as my search engine. I was scoffed at by some and others - who knew me well - started using Google. I hope I am right about this Google phone because I like it. How many months will it be before Google makes a real market impact or I have to break down and get an iPhone? I wonder if it is true that 97% of us are carrying a Blackberry or an iPhone?

Pictured in order: The Samsung Moment (Google), an iPhone, a Blackberry and a Droid (Google)
Let's do our own survey and see if that 97% number is right. I'll bet it is not!
What are you carrying? What is your favorite thing about your phone? What is the one thing you would change?
Vic Steele, Broker, CA DRE License No. 01349863
Valet Real Estate Services
571 N. Poplar, Suite H, Orange, CA 92868
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Last summer, we had to say goodbye to my long-time assistant Kathleen so she could hit the books full time and graduate. It paid off a few short months later when she joined PriceWaterhouseCoopers. Before that, we met Kala and she joined the team. She had just taken the California Bar Exam and was waiting for her exam results. It is unusual for applicants, especially out-of-state applicants, to pass the bar on the first attempt, so I thought there was a pretty good chance she would be part of the team for a long time.
Interestingly, Kathleen came to us from Red Robin, renowned as a launching pad for future corporate accountants! We worked around her school schedule while I taught her business language and practices. When I saw her again recently, I saw she is a completely different person. We both laughed and reminisced about how meeting each other had got her where she is today. That's when Kathleen asked me to help her find a new home.
Now Kala moved from Minnesota to Southern California to begin her career as a Real Estate Attorney. We connected immediately because I was also winter-state raised and I was also awaiting my test results for the California Department of Real Estate Broker's exam - another exam that is uncommon to pass on the first attempt.
I hired Kala as my Assistant and she embraced the position completely. The whole team liked her and my client's loved her! I was extremely pleased with my decision to hire her. I wished I could give her more hours so she did not have to waitress on evenings and weekends, but the market was soft and a girl has to pay the bills! I'm pleased to say that was short-lived. As my health returned, so did the market and Kala spent all of her time at our offices!

Kala and I each got our test results a few weeks apart; we had both passed our exams and are now ready to lead our industries. We spent hundreds of hours discussing contracts; contract law, case law, disclosure issues and helping our clients avoid court by representing them both properly and professionally.
Kala helped me build Valet Real Estate Services into the brokerage that I knew it could be. Our office looks fantastic and our clients love visiting us there. We've launched our new website; www.ValetRealEstateServices.com and we've hired more agents. We succeeded in a market that saw dozens of brokerages fold. We succeeded for our clients where amateur agents had failed. Ask Kevan, Bethany, Shane, Gina, Ken, Amanda, Anthony, Ryan or Kathy about the importance of genuine patience and real professionalism in this marketplace. I am confident each and every one of them will insist you introduce me to the people you genuinely care about.
Only two weeks ago, Kala was invited to interview with a prestigious law firm. It was no surprise to me when they hired her on the spot. Unfortunately, the job offer was conditional on her starting today, February 1st. She was dismayed for us but enthusiastically helped me identify my new assistant through an exhaustive job search. We talked to more than five dozen applicants including brokers, agents and veteran administrative assistants.
Who did we pick?...another waitress. Nastassja is a former waitress now and she, like me, knows we are going to accomplish great things together. When Kala talks about Nastassja she uses words like enthusiasm, vision and desire. That sure makes the boss happy! When I sat down to say good-bye to Kala this past Friday, she told me she did not want it to be good-bye. She told me that if I would have her, she would like to be my Client for Life. I was smiling from ear-to-ear when I accepted! Now it is Nastassja's job to help us succeed and it is my job to teach Nastassja the business skills she will need to succeed with the degree she is currently earning. She is scheduled to graduate this summer. I wonder what major firm will take this impeccably-trained Journalist/Public Relations graduate from me later this year? I wonder what my three waitresses will be doing in five years, besides remembering us fondly!
Vic Steele, Broker, CA DRE License No. 01349863
Valet Real Estate Services
571 N. Poplar, Suite H, Orange, CA 92868
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