Gratitude unlocks the fullness of life. It turns what we have into enough, and more. It turns denial into acceptance, chaos to order, confusion to clarity. It can turn a meal into a feast, a house into a home, a stranger into a friend. Gratitude makes sense of our past, brings peace for today and creates a vision for tomorrow. ~Melody Beattie
Fall is back! Don’t forget to return your clocks back one hour on Sunday November 6, 2011.
I can't believe it’s already fall again! It’s this time of the year when we change our clocks back one hour on Sunday November 6, 2011 at 2:00 A.M. It's also recommended to check batteries in the smoke detectors around your home and office.
If you are like me who have been falling behind on my sleep, this weekend will the perfect time to fall back into your bed and get an extra hour of sleep.
Facebook and your private information, how private is your information on Facebook?
This morning while browsing Facebook I read a post from a friend who said she learned that her friends’ phone numbers were imported onto her contacts page. After reading this, I immediately checked my contacts page and in fact, all my friends’ phone numbers were listed. I did not know they were there until today. For this reason, you may want to think twice before posting any private information on Facebook.
The best way to communicate with friends on Facebook is by posting messages on their wall or sending the messages privately. If you are concerned about having your phone number being displayed on your friends’ contacts page and would like to remove your phone number do the following:
1. Go to my account tab
a. Click edit friends
b. On the left side of your screen, click contacts.
c. On the right side of your screen click the blue text (This Page)
d. Read the content of this page
e. There are two options, remove or cancel; choose the option that best applies to you.
This feature does not affect me personally, because I am a real estate agent. Now my friends will have my phone number at their fingertips if they know of anyone who is buying or selling real estate in the bay area. It is fine with me having my phone number displayed on my friends’ facebook contacts page. But if you are concerned about your privacy you may want take action immediately.
Housing Resources in San Francisco Bay Area/ Penisula - San Mateo County
Later this afternoon while I was browsing the Internet, I found a website that offers tons of information about different housing resources in the San Francisco Bay Area for tenant, homeless and low-income families, including information for families buying their first homes. Every one of us has something in common, that is the need for shelter. We cannot ignore this need and it is persistently on our minds. Below is a list of organizations that offer information for tenant, homeless and low-income families interested in buying their first home.
|
Organizations |
Resources |
| San Francisco Mayor’s Office of Housing | Offers Information about affordable Homeownership and Rental opportunities, available homes, application deadlines and lottery dates. Contact:(415) 701-5500. They are located at 1 South Van Ness, 5th Fl. San Francisco, CA 94103 |
| San Francisco Mayor’s Office of Homelessness | Offers counseling, shelter, food and clothing, transportation assistance, etc. |
| San Francisco help | Assists with basic needs, meals, shelter, housing and more. |
| Mission Economic Development Agency (MEDA) | Has homeownership assistance program for low-to moderate-income families. MEDA provides homeownership educational seminars and general consultation for home buyers in San Francisco. |
| San Francisco Tenants Union (SFTU) | Offers free counseling at their drop-in clinic as well as over-the-phone counseling for members. (Non-members are eligible for the drop-in clinic only.) |
| San Francisco Residential Rent Stabilization and Arbitration Board | Provides information about rent ordinance. For questions, call 415-252-4602. (Please note, there's no confirmation this phone number is in service.) They are located at 25 Van Ness Avenue, Suite 320, in San Francisco. |
| MyHousing.org | It is a great resource for housing lists. |
| SF4Rent | For a fee SF4Rent.com is another source to find rental list that are not available in other places. They have rental apartments in San Francisco, Peninsula, East Bay, North Bay, and South Bay. www.sf4rent.com |
I am happy to announce that another of my short sale listings with Bank of America has successfully closed. Thanks to the seller, the patient buyers, and the cooperation of Bank of America's short sale department and customer relations.
We got the short sale approval in about 35 days. After the short sale approval it took about 45 days to close escrow because we were experiencing delays with loan processing. We requested two extensions and Bank of America was very prompt in helping us with each one.
Bank of America's short sale process is now fast and easy; I found working with their short sale team and Equator tehnology to be an excellent combination. During the short sale process, the homeowner was very cooperative and kept the house clean and appealing to potential buyers. The seller was very happy with the outcome of the short sale; because the remaining balance of the loan was forgiven.
The property was in great condition due to my client's pride of ownership. Even though this was a short sale, the seller kept the property in impeccable condition, so it was easy to find a buyer who could see themselves purchasing and living in a distressed property that looks as good as any equity-sale home. My client was an example of teamwork while processing a short sale.
The secret to a successful short sale listing agent is: never take NO for an answer, work hard-for the client's best interest and keep escalating the Short Sale case until you find the person who can really make decisions.
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Residential Specialist, Short Sale Agent, REO/BPO's, First time home-buyers, Cities down payment assistance, Specialize in San Francisco Bay Area, Burlingame, San Mateo, South San Francisco, Daly City
Professional Profile
Mayra Espinosa
Servicing Sellers and buyers with their real estate needs in San Mateo County, San Francisco and Marin county communities and can handle the most complicated transactions; that combined with her expertise at putting together smooth, complication-free sales.Specialist in pre-foreclosures, REO, short sale assets, BPO's.
Education:
B.A. Degree, Business and Computer Information Systems, Universidad Dominicana O&M, Dominican, Republic
Work Experience
Mayra Espinosa Team specializes in listing bank owned residential property and Short Sale in San Francisco Bay Area, San Mateo Santa Clara, Alameda County, California. We are very dependable and efficient, as wells educated in handling distress properties (short sales and REO-Bank Owned Properties). We also service BPO's for several companies.
We keep up with our local market trends and understand the importance of listing a property aggressively and selling in low days on market but at the same time maximizing the profit for our clients.
Our REO team has a simplified REO processing system that allows us to handle a large volume of assignments and can complete them in a timely and professional manner. Understanding the time frames to complete a task is very important therefore, we will do what it takes to complete your assignments in a timely and professional manner.
We have a very aggressive traditional and Internet marketing and have a large database of buyers and a network of business partners with a large sphere of influence that help us to reduce the average days on the market of our listings from the day the property was assignment to closing.
We keep up with the industry trends, education, technologies, and attend to seminars. Our team has completed courses with Default School to obtain the RDCPro designation, CDPE, A-REOTM Designation, RES.NET certified, and Equator transaction platforms, etc.
We are very reliable I can be reached via cell or email anytime. Please let us know how we can be of service to you! To become a client of Mayra Espinosa Team, please call Mayra Espinosa on her dedicated Asset Manager line at 650-996-8961. We look forward to speaking with you.
Marketing Strategy
Our Services
Search Millions of Listings Nationwide
I live in Pacifica and have my real estate office in Burlingame, San Mateo. I Specialize relocation in San Mateo, San Francisco, Atherton, Belmont, Burlingame, Colma, Daly City, San Bruno, Redwood City, San Leandro, San Rafael, Half Moon Bay, Mount View, Pacifica, San Carlos, Union City, San Rafael, South San Francisco, San Bruno, Hillsborough and Millbrae homes for sale, new homes, foreclosures, Short Sale and luxury homes, relocation. Whether you're buying or selling a home, I'll be with you every step of the way!
People searching for homes for sale, need help with their distress homes or are facing foreclosure in the California find us online using the key word below
foreclosure in San Francisco Bay Area, San Mateo, Silicon Valley
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Resources
Helping Homeowners Avoid Foreclosure
SB931 affecting deficiency judgments in CA
Foreclosure Prevention
Find out 
if Freddie Mac Own Your Mortgage
"Mayra is very dedicated to their work, always making sure that every detail is well taking care of."
Tali Rivera
"For her, great service comes natural, anticipating our needs and always within reach. She knows how to follow through until the end."
David L. Ruiz
"Mayra was very patient with us throughout this process. This is our first home purchase and She made sure we understood everything and made us feel comfortable. I would definitely use her again and refer her to my friends. Great Job."
Doris Pineda
"Mayra is not only excellent on their job; she is also willing to share her knowledge with others. She is very patient and caring."
Maria Luisa Cebreros
"Mayra is very professional. We are looking forward to work with her in our next purchase of a home."
Jaime Vaquiz
"Mayra had helped my family and a few of my friends to buy or sale a home and every time she did a fabulous job. She is our family Realtors and she is always available to answer any questions, even months after the transaction was closed."
Juan Carlos Sosa
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