Rancho Bernardo, CA

Hello and Welcome to 4S Ranch California Free Foreclosure Auction Search, Bank Owned REO, Short Sales, and Homes for Sale.

November 10th, 2009

Understanding the foreclosure property auction (also known as Trustee Sale) process takes time, due diligence, and understanding. Saavy Real Estate investors can find some of the best deals around buying at these auctions, but is it right for everyone? We would like to help explain further about these auctions and the benefits and downsides of buying Real Estate at them.

Here are some of the latest statistics from Foreclosure Radar hot off the press for September 2009. If you are unfamiliar with some of the following terms please read below for further explanations.

• Notice of Defaults for California rose by 1.08% to 37,417 filings.
• Notice of Trustee Sale dropped by 5.10% from August to 32,457 filings.
• A total of 13,123 foreclosures were taken to Sale at auction.
• The opening bids set by lenders were an average of 33.9 percent lower than the loan balance, with 46% of sales being discounted of 50% or more.
• Nearly 91 percent of foreclosure sales in September were for loans that were made between January 2005 and December 2007.
• In the month of June San Diego had 2,769 Notice of Default Filings, 2,520Notice of Sale filings, and 290 sales to 3rd parties.

Understanding the overall process is the key, and here is how the process goes as an overview:

Pre-Foreclosure (Also known as Notice of Default). Pre-Foreclosure is usually when the current homeowner is 90 days past due on their Mortgage. Under the new California Foreclosure moratorium lenders have an extra 90 days in which they are supposed to aggresively pursue loan modifications with those current home owners who qualify. The current lender files with the County Recorders office a Notice of Default. When this is filed, this information becomes a matter of public record. When this notice is filed the lender usually gives the homeowner 90 days to come current on the amount they are past due. During this period a good amount of homeowners lately have been trying to obtain new financing terms by doing a Loan Modification with their current lender or a Short Sale with a Realtor if they know they aren't going to be able to keep up the payments due to hardship. Both of these options often times delay the foreclosure process as the bank looks to work with the current owner to see if one of these options may be a fit. To learn more about Pre-Foreclosures in 4S Ranch and actually search all Pre-Foreclosures in 4S Ranch for free click the yellow map.

Foreclosure Sale (Also known as Notice of Trustee Sale). The Foreclosure sale usally occurs and is scheduled roughly 90 days after the Notice of Default is issues. Although, these days this process is delayed most of the time. Notice of Trustee sale usally takes place on the courthouse steps in the County in which the property is located. In this area, most auctions take place in Downtown, San Diego. Properties are sold as is, without any warranties or guarantees, and they must be paid for on the spot with a certified cashiers check. Many times the buyer of that foreclosure property has to end up evicting the current homeowner or tenant and this sometimes can be a process. However, even though its a riskier process, the reward can be great. To learn more about Foreclosure Sales In 4S Ranch and Search upcoming properties scheduled for Foreclosure click the yellow map below.

Bank Owned (REO). Bank owned properties are the properties that have gone through the two steps above and didn't sell at the Foreclosure Sale. In this case, the current lender has to take them back if there are no acceptable bids. This can also be a great option for an investor because in a lot of cases, the lender does not want to own these properties. These can be great deals for an investor, you can also research these properties in greater detail than Foreclosure Auctions, and most all of the time you can use financing and obtain a home warranty with these. To learn more about Bank Owned REO listings in 4S Ranch and search all available inventory click the yellow map below.

Re-Sale Properties. Many people think Re Sale properties are not a great deal with all the Foreclosure properties out there. This is actually not true in many cases. Re Sales have to be priced aggresively and in line with Foreclosures if they want to have a chance of selling in todays market. In a lot of cases a buyer or investor can buy a re sale that has been taken good care of, that doesn't have much fix up to perform, and is very close in price to that of a Foreclosure that might require a lot of work. Sometimes people think that because they are buying a Foreclosure at 20% below market value that its always a steal, however sometimes there is 20% worth of rehabilitation to get the property back to standards that actually makes it the same deal as a re-sale. This makes Re Sales a great option as well. To learn more about Re Sale Homes for Sale in 4S Ranch and search available inventory click the yellow map below.

We have built a fully integrated Real Estate Website that will allow you to search every aspect of what we have discussed above. To search Pre-Foreclosure, Foreclosure Auction, Bank Owned REO, and New and ReSale Homes in 4S Ranch click here.

We also attend the Foreclosure Auctions for San Diego on a weekly basis and track virtually every Foreclosure property in San Diego County and would be happy to talk with you about your needs further.

We Look forward to hearing from you!

The latest data and sales statistics were provided by Foreclosure Radar.

Hello and Welcome to Del Sur California Free Foreclosure Auction Search, Bank Owned REO, Short Sales, and Homes for Sale.

November 10th, 2009

Understanding the foreclosure property auction (also known as Trustee Sale) process takes time, due diligence, and understanding. Saavy Real Estate investors can find some of the best deals around buying at these auctions, but is it right for everyone? We would like to help explain further about these auctions and the benefits and downsides of buying Real Estate at them.

Here are some of the latest statistics from Foreclosure Radar hot off the press for September 2009. If you are unfamiliar with some of the following terms please read below for further explanations.

• Notice of Defaults for California rose by 1.08% to 37,417 filings.
• Notice of Trustee Sale dropped by 5.10% from August to 32,457 filings.
• A total of 13,123 foreclosures were taken to Sale at auction.
• The opening bids set by lenders were an average of 33.9 percent lower than the loan balance, with 46% of sales being discounted of 50% or more.
• Nearly 91 percent of foreclosure sales in September were for loans that were made between January 2005 and December 2007.
• In the month of June San Diego had 2,769 Notice of Default Filings, 2,520Notice of Sale filings, and 290 sales to 3rd parties.

Understanding the overall process is the key, and here is how the process goes as an overview:

Pre-Foreclosure (Also known as Notice of Default). Pre-Foreclosure is usually when the current homeowner is 90 days past due on their Mortgage. Under the new California Foreclosure moratorium lenders have an extra 90 days in which they are supposed to aggresively pursue loan modifications with those current home owners who qualify. The current lender files with the County Recorders office a Notice of Default. When this is filed, this information becomes a matter of public record. When this notice is filed the lender usually gives the homeowner 90 days to come current on the amount they are past due. During this period a good amount of homeowners lately have been trying to obtain new financing terms by doing a Loan Modification with their current lender or a Short Sale with a Realtor if they know they aren't going to be able to keep up the payments due to hardship. Both of these options often times delay the foreclosure process as the bank looks to work with the current owner to see if one of these options may be a fit. To learn more about Pre-Foreclosures in Del Sur and actually search all Pre-Foreclosures in Del Sur for free click the yellow map.

Foreclosure Sale (Also known as Notice of Trustee Sale). The Foreclosure sale usally occurs and is scheduled roughly 90 days after the Notice of Default is issues. Although, these days this process is delayed most of the time. Notice of Trustee sale usally takes place on the courthouse steps in the County in which the property is located. In this area, most auctions take place in Downtown, San Diego. Properties are sold as is, without any warranties or guarantees, and they must be paid for on the spot with a certified cashiers check. Many times the buyer of that foreclosure property has to end up evicting the current homeowner or tenant and this sometimes can be a process. However, even though its a riskier process, the reward can be great. To learn more about Foreclosure Sales In Del Sur and Search upcoming properties scheduled for Foreclosure click the yellow map below.

Bank Owned (REO). Bank owned properties are the properties that have gone through the two steps above and didn't sell at the Foreclosure Sale. In this case, the current lender has to take them back if there are no acceptable bids. This can also be a great option for an investor because in a lot of cases, the lender does not want to own these properties. These can be great deals for an investor, you can also research these properties in greater detail than Foreclosure Auctions, and most all of the time you can use financing and obtain a home warranty with these. To learn more about Bank Owned REO listings in Del Sur and search all available inventory click the yellow map below.

Re-Sale Properties. Many people think Re Sale properties are not a great deal with all the Foreclosure properties out there. This is actually not true in many cases. Re Sales have to be priced aggresively and in line with Foreclosures if they want to have a chance of selling in todays market. In a lot of cases a buyer or investor can buy a re sale that has been taken good care of, that doesn't have much fix up to perform, and is very close in price to that of a Foreclosure that might require a lot of work. Sometimes people think that because they are buying a Foreclosure at 20% below market value that its always a steal, however sometimes there is 20% worth of rehabilitation to get the property back to standards that actually makes it the same deal as a re-sale. This makes Re Sales a great option as well. To learn more about Re Sale Homes for Sale in Del Sur and search available inventory click the yellow map below.

We have built a fully integrated Real Estate Website that will allow you to search every aspect of what we have discussed above. To search Pre-Foreclosure, Foreclosure Auction, Bank Owned REO, and New and ReSale Homes in Del Sur click here.

We also attend the Foreclosure Auctions for San Diego on a weekly basis and track virtually every Foreclosure property in San Diego County and would be happy to talk with you about your needs further.

We Look forward to hearing from you!

The latest data and sales statistics were provided by Foreclosure Radar.

One of the most sought after neighborhoods in San Diego county's North Inland is the master planned community of 4s Ranch. At the height of the housing cycle, construction in the area was booming and just so no one forgets their market is moving inventory once again. The market area is in recovery mode and most homes are still moving like the rest of the North inland corridor...

Just in the last month out of 35 listings, 16 are active and available with a range of homes from over 4000 square feet to smaller townhomes that are a little over 1000 square feet. The price ranges are from $1,079,000 to $395,000 and out of that same 35, nineteen listings went into pending within the last 30 days.

Clearly, the housing inventory is getting low again as we move into the last quarter of 2009, as many homeowners have chosen to stay in their homes instead of selling. When we're dealing with such a high demand and highly desired area, buyers are still competing to get their piece of the pie.

4s Ranch is home to some of the most newly constructed schools in the county; they have very involved parents and the high school is groomed with "state-of-the-art facilities including five art labs, two music classrooms, one drama classroom, 11 career-technical education classrooms, a Performing Arts Center and a Fine Arts Village designed to blend traditional mediums of visual arts, drama and music", making them one of the premiere high schools in the county.

Here is a link to more information about the schools in the Poway school district.

Hello and Welcome to Rancho Bernardo California~Sell my Home~ List my Home ~Short Sale~ Realtors~ Listings Agents.

Are you looking to potentially Sell or list your home in Rancho Bernardo California in this market? Here are some imporant points to think of when looking for the right listing agent or Real Estate company in this market. Most of the time the reason a home will sell quickly is marketing over price. Having the right marketing strategy to sell your home quickly and for top price is crucial these days. There is a good chance the reason you are reading this is because you found us on one of the top pages on one of the major search engines below: This could be your home that people are finding on the top pages!

It is of the utmost importance these days to find a Realtor with a solid internet strategy. According to many studies, close to 85% of people start searching for their next home purchase online. This means it is very important to have a listing agent that has a very strong online marketing strategy and background to sell your home. Your Listed Home should be Found on one of the top spots of Google, Yahoo, or Bing, and syndicated to many other top sites! Most listing agents have no idea how to aggresively pursue a strong online marketing campaign. We score on the first page of Google and other search engines for hundreds of categories and seach terms. When many potential buyers can easily find your home online, the chances of them coming to see it are much greater! We also syndicate our listings on many of the top Real Estate sites such as Zillow, Realtor.com, Homes.com, Craigslist, Sandicor, Popular blogs, Facebook, Twitter, Youtube, Four Seasons Realty Website, etc, to get the maximum amount of exposure to sell your home quickly and for top dollar..

It is important to find a Realtor to List your home who personally works with many active buyers. Working with active buyers is a very important step in this market. In a good economy, Realtor's can take listings, put them on the MLS, type up a few flyers and sit back and wait for other agents to bring them offers. Many Realtors are strictly listing agents and don't actively look for buyers on their own. They just try to price the property so aggresively that it will get a lot of activity, but a solid marketing campaign along with working with active buyers can help get you a much higher return when selling your home. At Four Seasons Realty we are currently working with several hundred pre-approved buyers which include many in Rancho Bernardo California and we would love to talk to you further about listing your home and bringing one of our qualified buyers to you. To learn about our active buyers for Rancho Bernardo California click here.

Short Sale Listings: This is another step in which it is very important to work with a specialist who is familiar with the short sale process. If you are potentially in this situation, you definitely want an agent who understands how to work with the banks directly, knows what paperwork they will require, and how to push through to get a deal done. Most agents fail at short sale listings because they are not familiar with the process. We have succesfully closed a very high percentage of short sale properties we have taken on due to our background and knowledge of working with the banks directly and staying on top of them. If you may potentially be in a short sale situation, we would be happy to speak with you further, please call or visit us here.

For a free consultation and proposal of our marketing strategy for listing and selling your home, please call us at 858-380-2005 and ask for Cody. I will be happy to show you some of our Google results, discuss our marketing strategy, and run a free Market analysis on listing and selling your home. Who know's, I may already have a qualified buyer for your home who's ready to write you an offer! I look forward to hearing from you soon. To visit me online, please click here.

Rancho Bernardo Real Estate and Rancho Bernardo Homes for Sale

Rancho Bernardo is a San Diego community nestled in the North San Diego County foothills, established in 1962 by the San Diego City Council, and it has since grown to about 17,000 homes, covering over 7000 acres. Rancho Bernardo is a beautiful master-planned community of residential, light industry, shopping, parks and golf courses - a "52-week vacation-land", located off Interstate 15 in North San Diego County.   More than 40,000 residents make Rancho Bernardo their home. One of the top master-planned communities in the Country, Rancho Bernardo is well known for its strong real estate values.

The residential areas of Rancho Bernardo are comprised of several neighborhoods.

Seven Oaks is the original Rancho Bernardo Community when it's development first began back in the 1960's. 

Today it is a thriving, active seniors community (55+) in the center of Rancho Bernardo. 

The beautiful Seven Oaks Community Center includes an large Auditorium, Olympic size Pool, Wood Shop, Library, Shuffle Board, and numerous meeting and activity rooms.

The Seven Oaks Community Center hosts an active calendar of community events and activities. 

Club membership is included as a benefit of owning a home in Seven Oaks.

Seven Oaks detached homes range in price from the mid $200s into the $400s. Homeowner dues are only $250 a year, which includes membership in the Seven Oaks Community Center.

 

The typical detached home has two to three bedrooms, two baths, and between 1200-1400 square feet of living space. There few two bedroom homes with a single bath. Seven Oaks homes have either one or two car garages.

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There are two condo complexes in Rancho Bernardo Seven Oaks The Haciendas and the Villas. Both condo complexes have large green areas and carports rather than garages.

Rancho Bernardo's Lender
For all your home loan needs
Bill Ladewig
800.664.SAVE (7283)
Bill@yourFhaGuru.com