Laguna Niguel, CA

RE/MAX Homes & Estates

Pre-Foreclosure Division

(714) 588 -7676 ∙ www.orangecountyshortsalerealtor.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.orangecountyshortsalerealtor.com for more info or give me a call at (714) 588-7676

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REMINDER: This Sunday morning, clocks are set back one hour at 2:00 am local time, which becomes 1:00 am local standard time.

BACKGROUND:

Daylight savings time in the United States was first observed in 1918.

The Energy Policy Act of 2005 established the current dates of daylight savings which now begins on the second Sunday in March and ends on the first Sunday in November.

Not all places in the United States observe daylight saving time. In particular, Hawaii, Arizona, and StratCom...I wish we didn't change the time here in California

Don't forget to set your clocks back and enjoy the extra hour of sleep!

And thank you for making me your Orange County real estate connection!

Best Regards,

Michael Caruso, Broker ABR ABRM CRB CRS GRI GREEN

2007 President, Orange County Association of Realtors

www.michaelcarusorealestate.com

As the year is coming to an end, I thought it would be appropriate to think about all the good things that happened. Sure it was a tough year, but we must be thankful for the sales made, homes sold, clients helped, relationships built, and blogs read.

And, like many fellow Active Rainers have been mentioning, now is the time to start planning for 2010. Set your goals high and let's make it a good year!

Looking back on this year, or even just the past 2 months, what are you thankful for?

And Thank You for making me Your Orange County Real Estate Connection!

Michael Caruso, Broker ABR ABRM CRB CRS GRI GREEN

2007 President, Orange COunty Association of Realtors

www.michaelcarusorealestate.com

JUST RELEASED, A NEW GOVERNMENT HEALTH WARNING!

WARNING: DO NOT SWALLOW CHEWING GUM!

And Thank You for making me Your Orange County Real Estate Connection!

Best Regards,

Michael Caruso, Broker ABR ABRM CRB CRS GRI GREEN

2007 President, Orange County Association of Realtors

www.michaelcarusorealestate.com

949-753-7900

Thinking about getting the flu shot? Read this, courtesy of David Letterman, to learn the top 10 ways you know know you got a bad flu shot:

10. Tastes and looks like A-1 Steak Sauce

9. Right before injecting you, doctor asks "regular or unleaded?"

8. Now that you think about it, its a little weird that the Dr office was on the D train.

7. You're shaking like a washing machine

6. Instead of the CDC, its recommended by GMC

5. Every time you sneeze your nose falls off

4. Doctor claims its made from freshly squeezed hogs

3. Nurse sterilizes the needle with her whiskey sour

2. Went in for flu shot, ended up with a frozen, severed head next to Ted Williams

1. You find this list amusing

For more David Letterman Top Tens, click HERE.

And thank you for making me Your Orange County Real Estate Connection!

Best Regards,

Michael Caruso, Broker ABR ABRM CRB CRS GRI GREEN

2007 President, Orange County Association of Realtors

949-753-7900