Simi Valley, CA

Remember when you were in grade school and lived in a Simi Valley home or elsewhere and your first day of school a teacher was assigned to you? All the horror stories you heard about him or her came to mind and you dreaded the first class...

Well, you are a big girl or boy now and you can choose your own realtor/consultant who will assist you in your, most likely, largest purchase of your life. How to go about it?

I believe the single most important reason to choose me, your Simi Valley realtor and Wood Ranch realtor specialist, is the self-confidence I exude to you and the world. With a great deal of self-confidence, you can be assured I am marketing your property, here in Simi Valley real estate or the surrounding areas, with all the right tools, negotiating the best for you and not leaving any money on the table, and troubleshooting the escrow when it is time. I truly earn my paycheck during the escrow period. Knowing that I am showing you the right properties and not wasting either your time or mine...that too is self-confidence.

Take an escrow right now with a problem that I am working on. If I was not certain of how to handle the Request for Repairs and not allow the Buyers' agent to voice the concerns they have, then we have a no win situation. But I am working on getting a meeting with all parties together to discuss the situation and attempt to bring all to a win-win situation. That is the another mark of true self-confidence...working toward the common goal for all parties.

Isn't that how you would want your sale to be handled?

Simi Valley Real Estate | Wood Ranch Homes for Sale

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Luxury Homes

ATTENTION SIMI VALLEY HOME BUYERS: Special Offer for Incredible KINGSPARK Pool Home

This completely remodeled KINGSPARK pool home located at 1734 Garvin St. 3bd/2ba has nearly 1,500 sq. ft. of living space on a more than 6500 sq. ft. lot.

This pool home is absolutely move-in ready and is not a short sale or an REO so there's no waiting around for some bank to approve your offer but an actual real live seller and Realtor who will respond to your offer in hours not days.

With tons of upgrades, this KINGSPARK home has a wide open floor plan with terracotta flooring, new light wood cabinets and granite counters in the baths and kitchen. New tile walls surround both bathrooms with a Jacuzzi tub in the main bath.

New carpet will be installed shortly and the wooden poles in photos will be dry walled into square columns. The large back yard is also great for entertaining with a large pool, covered patio, built in tiki bar and fireplace.

Don't miss this remodeled beauty. It's nothing like the dilapidated REO dumps you've been looking at, making offers on and not getting.

But, there's more too. This KINGSPARK home is just minutes away from both Ranch Simi Community Park and Pool as well as Berylwood Park and Citrus Park.

This wonderful homes is also just minutes away from the Arroyo bike trails.

But that's not the best part! For the next two weeks, you can get this home for $389,000 before it goes into the MLS. NO BIDDING WARS! If you wait until it goes into the MLS, it will receive multiple offers for more than $400,000.

For more info on this wonderful KINGSPARK pool home, contact Steve Szakos of Keller Williams Realty at 805.7601506 or at stepehenszakos@hotmail.com

For more info on how you can qualify to purchase this KINGSPARK pool home, contact me, Donne Knudsen of Cobalt Financial Corp, at 805.5278554 or info@donne4loans.com

Today's real estate market and lending environment can be really scary, which is why it's important to get as much information as possible before starting your search. Finding out more about affordable home loan options and getting pre-approved is an absolute must.

The pre-approval process is relatively simple so contact me today to get pre-approved for this incredible program and make this fantastic property your next home.

Whether you are purchasing Simi Valley properties, Wood Ranch real estate or looking into Simi Valley relocation, these guidelines are urgent for you to read. It is urgent you read this info and do not delay if you want home ownership NOW! Simi Valley real estate is very low in inventory, but if you are a serious buyer, I will find you a new home. There is no reason you should allow the government to govern what you do...let's talk today!!! Read and call me! I am your Simi Valley and Wood Ranch realtor.

New Guidelines for FHA borrowers
The Federal Housing Administration (FHA) today outlined future changes to the FHA home loan program. The changes first were proposed last month by Secretary of Housing and Urban Development (HUD) Shaun Donovan.

Rising defaults on FHA loans have led to the FHA's cash reserves falling below federally mandated levels. FHA officials hope that policy changes will ensure borrowers have a stronger equity position and are less likely to default.

Policy changes include:

• Raising the up-front mortgage insurance premium: The premium will rise to 2.25 percent from its current 1.75 percent. HUD is expected to release a Mortgagee Letter on Jan. 21 making the premium increase effective in the spring.

• Raising the minimum credit score requirements: New borrowers will be required to have a minimum FICO score of 580 to qualify for the FHA's 3.5 percent down payment program. New borrowers with less than a 580 FICO score will be required to put down at least 10 percent. FHA expects this to take effect in early summer after it goes through the normal regulatory process.

• Reduce allowable seller concessions: The agency is lowering the maximum permissible level to 3 percent from its current 6 percent limit. FHA expects this to take effect in early summer after it goes through the normal regulatory process.

Short Sales - The Real Estate Short Sale Process