Where is Ripon CA

It's funny how people pronounce the name, it's even funnier when you're certain people are going to ask where it is. You can almost bet on it.

Ripon, California is nestled between two decent sized cities (Modesto and Manteca) located in the central valley of California. It's a "sleepy" little town that has grown and is known primarily for it's harvesting of almonds. It's the almond capitol of the world, and has held this title for many years. Another strong influence Ripon has on the economy is fuel. Truck stops in Ripon have acquired and maintained the stretch of real estate from the Milgeo exit to the popular road Jack Tone Road, allowing truckers to either rest for the night, get some dinner or fuel up their trucks as they pass on through to their destinations. This has been a key feature Ripon has been able to provide their visitors.

Don't blink! After you pass over the Stanislaus River heading North, your almost "to" and "fro" this little town. I have to be honest though, Ripon has more going on in it's neighborhood than people might think. It's not all about Almonds and Gasoline and probably deserves a better title than Where is Ripon CA.

Mistlen Park is a fairly large public park that has a water park, softball diamonds, soccer fields, picnic area's and more. It is used for large gatherings and fairs that frequent the town on occasion. There is a lot of history here, churches in the downtown area have been ringing their bells on Sunday since I can remember. The Almond Blossom Parade is a popular attraction also, where a parade sifts it's way through downtown. Schools, shopping, businesses, it has it all.

So if your wondering where is Ripon CA Open your eyes, you might miss something!

San Joaquin County Home Inspections

Sometimes we get what we pay for and sometimes we get just a little bit more. If your home inspection results were not so good, it may be because the home inspector missed something.

As a specialty contractor in finish carpentry and a former service representative for a reputable window & door manufacturer, I have installed and serviced a lot of windows. Now that I am a home inspector in San Joaquin County, explaining window and door problems and offering solutions can be a huge money saver to my clients in the long run.

What is an imploded window?

An imploded window is when both panes of a dual pane glass window concave against each other, this is also called "hourglass". Have you ever driven by a home or business and seen the glass in a window distort like a funhouse mirror? It's not you having a bad hair day, it's probably an imploded window.

As you can see in the picture, the orange arrows are pointing to reflections in the windows. That's supposed to be a vertical drain pipe there from across the street but it looks more like a wet spaghetti noodle... But what causes it?

The term "R rating" is a term that is used to determine a products resistance to temperature changes. Argon gas is injected into the space between the panes of glass by the manufacturer during production. This is done to increase it's "R" value. Here in the San Joaquin County, the sun can produce extreme temperatures over 100 deg. The increase in rating is minimal but it's enough for the manufacturer to advertise them in a higher efficiency category, usually "energy efficient". The argon gas can sometimes escape from the seal around the glass but because the gas is lighter than air, the air will not return into the space where the gas used to be and eventually it "deflates".. for lack of a better term.

What's the big deal?

The value that you lose from the gas escaping is not enough to worry about, estimated at about 1-2 "R" value (depending on size). The only real danger is when the glass panes touch each other. When this happens, the window can break. It will sound like a loud "pop" when it does.

What do I tell my client if they ask about it?

If it's not safety glass, It can be fixed.. well.. sort of. A hole can be drilled into the corner of the glass to relieve the vacuum. The hole will need to be patched with proper adhesive and Mylar paper, and then cured with a black light. It's not common practice but it's cheaper than replacing a window when it breaks. A professional glass company should have to tools to do it, and be able to do it. This will minimize any danger to implosion under stress or continued contraction.

The Truth?

Many windows have this problem. it's the degree that they are imploded that can become a problem.

If you live in the San Joaquin County (or even if you don't), have your home inspected by a professional home inspector that also has experience in construction. The results could save you money before you buy a house because you can negotiate a better price. Getting a home inspections every 2-3 years is recommended to help maintain the value of your investment.

Andy E. Lee

Home Inspector/Carpenter

Dear Active Rain consumers,

I'm here now is all I can say. I missed you while I was out. My Dad got really sick and passed away. My middle son moved back home & we struggled with that routine too. Business has been wonderful. I have been blessed with wonderful sellers & buyers thruout this past 6 months. Christmas is upon us & I am so thankful to have my health (extra pounds, ughhh) but nevertheless I am thankful for all that is in my life. Thank you for coming back. I look forward to writing about these past short sales that have been approved, the buyers that I have gotten into houses & my wonderful family that I love to share with all of you.

Glad to be back.

Love,

Christina O'Neal

Stockton CA – The Stop Foreclosure Institute recently received a question about short sales. Here is the question. “What is your experience with Chase Heloc's? I have a HELOC that is a 2^nd mortgage. Citi (the 1st) will give them 6% or approximately $3000. Chase's collection agency is saying that they want 30% ($30,000.) They won't budge. They want this in CASH, not as a promissory note (in case the seller does a bankruptcy.) They are telling me they will just let the house foreclose because that is Chase's policy now. What do you recommend that I do?” Get my Free, Step By Step Loan Modification Guide by clicking here. Here was our answer to the question. Most third party collection agencies are very tough to negotiate with. They are completely unreasonable. They are so trained to give ultimatums that they will not budge, no matter how much logic and common sense you bring to them. Here is what you can do. Go around them. Contact Chase’s CEO. We have been able to contact the CEO of Chase, Jamie Dimon’s Office on other Chase files. Show them that they will receive less in a foreclosure than the $3,000 available now. Hopefully they will tell the collection agency to approve the $3,000 deal. If that doesn’t work, then ask to speak with a supervisor at the debt collection agency. Show the how they will actually net zero when the property is foreclosed upon. Tell them that they have to either approve the $3,000 or take zero. Tell them that rejecting the $3,000 means their client will net zero. Then, tell them that after the property is foreclosed upon, that you will contact their client and let them know how the collection agency’s actions caused them to lose $3,000. Thinking about a loan modification?Our Stockton loan modification kit will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Send me an e-mail at ron@homebuyersrealty.com to request a Free Copy. Or, click here to request a copy. Thinking about a short sale? I can help you short sale your property so you can move on with your life. Send me an e-mail at ron@homebuyersrealty.com. I will contact you for a free consultation. When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (209) 321-0445 Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. Thanks for reading this, Ron Cedillo. Ron is a Real Estate Broker at Home Buyers Realty. Stockton Short Sales Realtor: Phone: (209) 321-0445. ron@homebuyersrealty.com. Providing Options for Homeowners in Foreclosure View My homes for sale at www.HomeBuyersRealty.com. Ron Cedillo specializes in loan modification assistance and short sales in Stockton California. Stockton Loan Modification Help, Stockton Short Sales. Stockton Short Sale Realtor Stockton CA Short Sales. Stockton Realtor. Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved. Important Notice Ron Cedillo, Home Buyers Realty, and the Stop Foreclosure Institute are not associated or affiliated in any way, shape, or form with the government. Our services have not been reviewed, endorsed, or approved by the government or your lender. Most lenders willingly work with agents on short sales. Why? Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit. However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification. If you stop paying your mortgage, then you could lose your home and damage your credit. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale. The views expressed here are Cedillo's personal views and do not reflect the views of Home Buyers Realty. This information on Stockton Short Sale: I’m having a hard time negotiating with a HELOC is provided as a courtesy to our viewers to help them make informed decisions.