See Below.
Helping You to Help Your Customers
As a mortgage broker, you are a trusted advisor to your customers. When customers turn to you for questions about refinancing because they are struggling with their mortgage payments - you need solutions.
There are many options available and that's why Fannie Mae wants to help you stay informed.
The first thing to do is to submit their application through DO® to see if they may be eligible for refinancing. If refinancing isn't an option, here are some other ways in which you can help.
•· Encourage your customers to contact the mortgage company that is servicing their loan. Mortgage servicers have many options to help customers and making contact is the first step. Click here to view some of the typical work out options.
•· Check out www.HomePath.com - this site provides useful links and information on who to contact and what information customers should have available
•· Homeowners may also get help by calling the Homeownership Preservation Foundation at 1-888-995-HOPE or search online to find a local counselor
For additional resources, such as non-profit organizations and foreclosure prevention tips, please click here
Bart is considering putting in place a surcharge for travel during peak hours. That's going to really piss-off a lot of riders. The goal is to get more people to ride. Taxing riders will only dissuade them from riding. If you want to alleviate traffic at peak times, than instead offer discount to those who travel-off peak. it will encourage existing riders to change their patterns but also encourage other groups ride.
the city councill will be voting on a ban to developing "monster homes on Tuesday at 7pm at City Hall. Homes with predominantly single story homes will have the chance to block construction of two-story homes adn additions for as long as 7 years. This is a big issue for the Glenmoor and Mission Ranch community, where existing owners want to preserve the look and feel of their neighborhood.
I was having a conversation last night with a buyer frustrated with what you get for $975,000 in the penninsula (which is about a 1400-1600 sqft on a 5000-7000 lot, 3 br 2 ba and about 50 years old).
Here in Pleasanton, I did a search for what most won't consider a good size home for a family of 4.
Here are the parameters:
<$975,000 4+ BR 3+ BAs 2000+ living space the result was 8 homes. check them out Click Here to View Listings
3 of which were not worth looking at and the remaining 5 had potential. Definitely a lot more house than what you'd get in San Carlos. The schools are better, you've got access to BART for SF and 680 to get to SJ.
Some of these homes are twice the size of what he described was available in San Mateo & San Carlos.
both of these are great opportunites if you are looking for great schools associated home priced under $550K.
Click Here to View Listings
3105 KITTERY AVE, San Ramon $549,990 Just came back on the market
4/2.5 with 1635 of living sqft/7000 sqft lot
6873 HEATH CT, Pleasanton $558,000 Just had a price change
3/2 with 1434 of living sqft/6952 sqft lot
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I know Fremont, Union City, San Ramon, & Pleasanton. I can negotiate a great price on a home for you that's associated w\ a great school. Realtor, Mortgage Broker, MBA, CPA. Short Sales, Loan Mod, REO
Experience and Education
Education:
UC Berkeley, Economics
UCLA - Anderson, School of Business, MBA
London Business School, coursework in Strategy and Finance
Credentials: MBA, CPA, Realtor, Broker
Experience:
Local boy who attend elementary through high school in Fremont. Fremont has some of states best ranked schools in the state.
I am the Broker Owner of SMA Financing and an Associate Broker with Show and Sell Realty. I've been doing real estate and financing full time since beginning of 2002. Prior to that I worked in the high-tech world helping young companies go to market, get funding, develop business plans. My original career was as a CPA. I practiced for 4 years in the tax department of Arthur Andersen and 3 years with Morrison and Foerster. I originally got my Realtor license in 1992 and started working part-time in the industry than.
Most of my clientele is interested in buying a home associated with a high performing school. It's the number one reason people buy homes in Fremont. Fremont has 28 elementary schools, of which in 2006, 10 (36%) had an API score greater than 899, and another 12 (43%) scored between 799-900. The remaining 6 had scores between 732-800, which in comparison to the neighboring districts is still considered great. Two of the Mission Elementary Schools (Mission San Jose Elementary, Gomes Elementary) were ranked top 10 in the state, as ws Hopkins Junior High and Mission San Jose High School. My buyers have looked at Cupertino, and other sites on the Peninsula, but end up choosing Fremont because you simply get more square feet for the dollar and comparable API.
However Fremont is also an attraction for buyers for the diversity it offers, with over 50% of the population consisting of various minorities.
100% of my business is from referrals and is splits 50/50 between new home buyers and trade-ups. I haven't been seeing much investment buyers here simply because the cash-flow doesn't make sense. My buyers and sellers love me because I don't sugar cost things. I tell you what I really think. My CPA background means I tend to more conservative and want to make sure you understand the pros and cons of each property.
Hey, thanks for everything. Very smooth, very painless (except for mistakes made by me!) I will definitely recommend you
Janice Kary
San Diego, CA
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Dear Sunil,
You have helped us refinance twice in the last 5 years. Both times my
wife and I were extremely satisfied. We truly felt that you have your
client's best interest at heart. Thank you for all your hard work on our
refinances. We have no reservation in recommending you to our friends and
family.
thank you,
Frank and Michelle Edelman, Fremont, CA
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I'll never use anyone else again. I wanted to get a HELOC in place before I left the country, which was a week away, and Sunil did it! At the start of the process he emailed me a spreadsheet of various options and then went over pros and cons of them, including the tax benefits. The appraiser was there the next day, and we signed docs the day before I left. Sunil even personally came to our home, because he knew we had little time between the packing and wrap-up of remaining errands, so that he could answer any questions during the sign-off. And best of all, everything was exactly as he said it would be - no surprises. If you are looking for one of the best educated mortgage brokers around, who can find you a great program and rates, arranging for expeditious funding with no surprises, give Sunil a call.
Barry Augus, Oakland, CA
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My husband and I will not use anyone but Sunil to handle our home loan needs. He has gone way above the line of duty in taking care of our loans, not just when we bought our house but also when it was a good time to refinance. We would recommend him every time.
Irene Hagmann, Fremont, CA
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I would like to say that I highly recommend Sunil Sethi at Show and Sell Realty because: During the time my place was on the market Sunil went out of his way, I think, to sell this property by actually rolling up his sleeves and helping in the grunt work. Such as placing tan bark and placing flowers along the walk way, helping to get me deals on contractors, loading stuff in to the trash to go to the dumps, and many more things that I have never had a realtor do for me !! He gets VERY involved and I would be more then happy to hire Sunil Sethi/Show and Sell Realty again in the future !
Regards,
Al Dixon, Fremont, CA
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With Sunil, I was able to secure the lowest rates and most appropriate loans. Sunil watched my portfolio with care and that insured my investments were matched with optimal loans. Dave Buciak Director, Exalead Software
San Francisco, CA
----------------------------------------------------------------------------- Thank you Sunil for all your help! As you have assisted me and friends I have referred, I have been impressed by your professionalism, knowledge, and service level. You are always very responsive, and I really appreciate your practical advice and willingness to help. Thanks again! Paul Schreiber, Fremont, CA
----------------------------------------------------------------------------- Sunil, Thanks for all your help. It was a pleasure working with you since, you handled both the real estate and financing aspects of the purchase of our new home in and sale of previous home in North Beach. It was a competitive bidding environment, but you managed to secure our new home at a fantastic price, and sell our old one for the highest price in the community. We love the view of Angel Island. Thanks so much.
Ray Whitley, San Francisco, California
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You're a true professional Sunil. Every once in awhile good things happen to us in life, and I think when I chose you as our agent it was one of those good things. Thanks for your day-in and day-out professional care. Thanks for making the experience easy. Working with you was a pleasure. I have already recommended you to my clients and family. Please continue to let me know when an opportunity to improve my position becomes available. Ed Moura, CPA, Concord, CA
----------------------------------------------------------------------------- As first time home buyers, we weren't familiar with the loan process. Sunil walked us through the process step by step and was always available to us day or night and on weekends if we had any questions. He gave us the tools we needed to decide which loans worked best for us and showed the risks of various loans. I would recommend Sunil to our friends and family; he is professional, competent and gives 110%. We were very pleased with his service and will be using him in the future. Taya Hernandez and David Rands II, Livermore, CA
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