Buyers, do you know if registered sex offenders live in the neighborhood you are considering moving into? This might be of real concern to you, especially if you have a family with young children.
All real estate transactions come with a mountain of paperwork it seems, but one of the most important California disclosures that might get overlooked revolves around Megan's Law.
This short video interview with Richard Paille, the broker of Hart & Co Real Estate in Santa Rosa, CA. discusses this important disclosure and why buyers need to do their 'due diligence' as they are narrowing down homes to make an offer on.
Remember though that most sex offenses are generally not reported and more often than not involve someone close to the victim, such as a family member, friend or acquaintance. The registry will only revolve around designated registered sex offenders.
Every state should have a registry, and as a buyer, you should take a bit of time to do some research and find out how to protect yourself and your family.
I confess...Spring Lake Park in Santa Rosa, CA beckoned me so I played hookey (hookie? hooky? You know what I mean!) yesterday afternoon. The late summer weather was a perfect 78 degrees and it was just too nice to stay inside and work, so I jumped in our ’65 VW convertible and headed over to glorious Spring Lake Park in Bennett Valley.
Spring Lake is one of my favorites of the 46 inspiring regional parks in our magnificent Sonoma County parks system and it is almost within walking distance of my home in Santa Rosa. Situated in Bennett Valley, there are numerous hiking trails, a great family picnic and swim area at the Lagoon, bike trails, playgrounds, boat launches, horse trails, overnight camp grounds and of course the lovely Spring Lake.
This park is typically filled with lots of families having picnics, but this afternoon it was relatively quiet since it was it after Labor Day and things are definitely starting to wind down. There is such a quiet beauty about Spring Lake and I find myself walking the dogs there often on the miles of paved walkways. I can’t wait for later in September when they are going to open the Lagoon for a ‘Dog Day’ and I can take my Golden Retriever, Tiberious, for a fun afternoon of swimming! Glenn will bring his Labs, Cali and Lilly andall the Mortgage Retrievers will all have a ball.
On this particular afternoon, I was delighted to find the ‘Park & Eat Food Trucks’ on site and according to Indio, who manned the Sonoma County Parks Booth, there are a rotating number of delicious food trucks who set up from 4pm until dusk, and will be doing so until the end of October. Yum! My carnitas tacos were fabulous!
If you’re ever visiting our gorgeous northern California wine country of Sonoma County, you will have so many choices of neat places to go and see, so come and enjoy!! And you might as well also check out our Santa Rosa real estate market while you're at it! Here is a great resource for an authentic wine country visit. September and October will reward you with some of the nicest weather of the year, although I have to tell you that having near perfect year round weather is hard to beat. And harvest has finally started, so there is lots of activity in the wine country. Fun times!
Elise Groves, Mortgage Broker, interviews Debra Speer from Property ID about the extensive information provided in a Property ID Natural Hazards Report about earthquakes. You need to be informed about the location of critical fault lines when you are looking to buy a home. Get those inspections done, then make a decision! A Property ID Report is the most thorough in the industry, so insist that your agent obtain the best for you. For more information, call Debra Speer at 707.974.0387. For all your home financing needs, call Elise Groves at 707.546.0440. www.GrovesTeam.net
Who is The Groves Team
Santa Rosa, Sebastopol, Windsor, Rohnert,Glen Ellen, Forestville, Graton, Sonoma County California.
For over 25 years we have been grateful to call Santa Rosa and the beautiful Northern California wine country our home. It’s been said that if you are comfortable in your environment, you will thrive and it’s true. What’s not to love about Sonoma County and it’s beautiful year round weather, drop dead gorgeous scenery in every direction, wonderful communities of ‘real’ people, world class wineries, restaurants and spas, and it’s close proximity to magnificent San Francisco. Tourists come from all over the world to visit the wine country and we are lucky enough to call it home. We love it and everything about it suits us perfectly in so many ways.
My husband, Drew, and I raised our family here and are very proud that our son Glenn works with me as processor and assistant. After proudly serving our country in the United States Marine Corps for five years, he and his wife Jamie returned to Santa Rosa and he has been learning the ropes of the mortgage industry. He figures that if he could survive the Marine Corps, this challenging real estate market and lending industry upheaval we’re going thru are no big deal. Spoken like a true Marine and we couldn’t be more proud of him. Semper Fi!
Our daughter Kelley and her husband Matt live in Oakland, CA and are expecting their first child, so by the end of the summer we will be grandparents!
We’re owned by two beautiful Golden Retrievers and Glenn and Jamie have two beautiful Labradors Retrievers, so we call ourselves ‘Your Mortgage Retrievers’ for fun. I mean, who doesn’t like a lab or a golden?? We also have a very bossy Corgi who herds those retrievers around all day, and frankly, runs the show around here.
We are dedicated to making a positive impact on our industry and helping our Realtor partners be successful by closing their transactions with more efficiency and speed and a minimal amount of bumps in the road. I make it a priority to keep up with the constant underwriting guideline changes and we strive to maintain our sterling reputation as a mortgage loan source and trusted adviser to our clients and referral partners.
For fun, Drew and I love to buzz around the California wine country in our vintage 1965 VW convertible and take in the vast beauty of the area on the many back roads. I also am an avid gardener and entertain clients, friends and family frequently in the gardens at our home, Creekside Groves.
Life is good and getting better!
 |
|
|
Specializing in Santa Rosa CA Mortgages, California Home Loans, Northern CA Mortgage Lender, FHA Loans, FHA Mortgage,VA Loans & Jumbo, Santa Rosa Sonoma County CA Refinance. DRE 00628028 / NMLS 255824
Who is The Groves Team
Santa Rosa, Sebastopol, Windsor, Rohnert,Glen Ellen, Forestville, Graton, Sonoma County California.
For over 25 years we have been grateful to call Santa Rosa and the beautiful Northern California wine country our home. It’s been said that if you are comfortable in your environment, you will thrive and it’s true. What’s not to love about Sonoma County and it’s beautiful year round weather, drop dead gorgeous scenery in every direction, wonderful communities of ‘real’ people, world class wineries, restaurants and spas, and it’s close proximity to magnificent San Francisco. Tourists come from all over the world to visit the wine country and we are lucky enough to call it home. We love it and everything about it suits us perfectly in so many ways.
My husband, Drew, and I raised our family here and are very proud that our son Glenn works with me as processor and assistant. After proudly serving our country in the United States Marine Corps for five years, he and his wife Jamie returned to Santa Rosa and he has been learning the ropes of the mortgage industry. He figures that if he could survive the Marine Corps, this challenging real estate market and lending industry upheaval we’re going thru are no big deal. Spoken like a true Marine and we couldn’t be more proud of him. Semper Fi!
Our daughter Kelley and her husband Matt live in Oakland, CA and are expecting their first child, so by the end of the summer we will be grandparents!We’re owned by two beautiful Golden Retrievers and Glenn and Jamie have two beautiful Labradors Retrievers, so we call ourselves ‘Your Mortgage Retrievers’ for fun. I mean, who doesn’t like a lab or a golden?? We also have a very bossy Corgi who herds those retrievers around all day, and frankly, runs the show around here.
We are dedicated to making a positive impact on our industry and helping our Realtor partners be successful by closing their transactions with more efficiency and speed and a minimal amount of bumps in the road. I make it a priority to keep up with the constant underwriting guideline changes and we strive to maintain our sterling reputation as a mortgage loan source and trusted adviser to our clients and referral partners.
For fun, Drew and I love to buzz around the California wine country in our vintage 1965 VW convertible and take in the vast beauty of the area on the many back roads. I also am an avid gardener and entertain clients, friends and family frequently in the gardens at our home, Creekside Groves.
Life is good and getting better!
Learn By Doing FHA & VA, over and over again...
What a great motto from Cal Poly, San Luis Obispo – my alma mater. It’s so appropriate for so many things. I graduated in 1978 with a Bachelor of Science degree in Biological Science and one thing that motto taught me was that I did NOT want to make biology my career!
So, as fate would have it, while I was a Senior trying to figure out what the heck I was going to do with that degree (or explain to my parents that I wasn’t planning a career with it) I met my husband Drew on Poly Royal Weekend.
He was a young General Contractor building spec homes on the Central Coast and as a pick up line said ‘you would make a great Realtor... you should get your license and then you could sell my houses for me’. Well, I fell for it and got my sales license immediately, followed by my brokers license shortly after graduation. Here we are, 34 years later, happily married, and I am still in the real estate industry, although I have been on the lending side for over 17 years now. We still chuckle about that pick up line.
I decided to go into lending in early 1995 out of personal frustration and a sense of ‘there has to be a better way’. We have always been self employed over the years and we were frustrated in getting home loans since we didn’t have ‘regular jobs’. We were never told anything about the loan process and didn’t even know where to start in asking questions. We were kept in the dark and just hoped for the best at the end, which is a pretty pathetic feeling to have as a home buyer. The numbers that were given to us were always higher than anticipated at the closing, and the loan program and interest rate were not what were promised, of course. If we were feeling this way, I could only imagine how many other borrowers were equally frustrated by the entire experience.
I set out on a mission to educate and help buyers, especially first time buyers, understand the loan process easily and clearly and make their home buying experience a positive one. My primary goal was to be as accurate as possible with the total amount of cash needed for the transaction and that would eliminate a lot of stress and strain. Secondly, I wanted to earn their trust and to also create a raving fan base and clients for life. I am very proud to say that I have helped hundreds of individuals and families all over California achieve their goals and made many new friends along the way, all the while building a strong referral base.
I adhere to the ‘Learn By Doing’ principle and have become highly proficient and skilled at originating all types of residential loans. FHA & VA loan programs are my favorite programs to use and their benefits are outstanding.
As a net branch of First Priority Financial, I have the advantage of being able to bank loans with our company or broker out to dozens of alternative lending sources to make sure the clients’ needs are met first. I want to make sure that all parties involved in the transaction know what to expect and when to expect it.
I have also specialized in the Mortgage Credit Certificate program for the first time buyer that offers an annual federal tax credit. It’s a tremendous benefit and one very few originators utilize.
I am a trusted and valued mortgage loan resource for both my clients and my professional referral partners and provide on going education and timely advice on a regular basis. I have been thru most of the major market swings in the past 30 years and there is no substitute for knowledge, integrity, dedication, and experience in this challenging market.
With today's entry level buyer being so tech savvy, I utilize all the latest technology to communicate effectively and efficiently close the deal. It’s ‘high tech, but high touch hand holding’ and it works!
My mortgage practice is primarily based on referrals. Please call me today and find out how I can help you build your practice and help your clients. I don’t underestimate the value of a professional real estate agent and I look forward to working with you and growing our businesses together.
Work with The Groves Team
Apply NOW for your Santa Rosa, Sebastopol, Windsor, Rohnert,Glen Ellen, Forestville, Graton, Sonoma County California FHA, VA, Conventional, Jumbo Home Loan.
What People are Saying About The Groves Team
Agent Testimonials
“Elise has been a long time Mortgage Broker who I know to be extremely knowledgeable and competent in her field. I know her to always take into consideration, first and foremost, her clients interests. She is hardworking, dedicated and gives back to her community. I highly recommend Elise. Her integrity is impeccable.”
-Kari Clouse, Underwriter, First Priority Financial; Contract Processor, Santa Rosa, CA
“Elise has been a long time Mortgage Broker who I know to be extremely knowledgeable and competent in her field. I know her to always take into consideration, first and foremost, her clients interests. She is hardworking, dedicated and gives back to her community. I highly recommend Elise. Her integrity is impeccable.”
- Jo Lasley, SRES, CDPE, GRI, Realtor, Santa Rosa, CA
“Elise is a dedicated mortgage consultant. She is on top of all the changes in the industry and I feel free to call and consult her for her expertise. Every time I've recommended Elise to clients they have had an excellent outcome! I highly endorse Elise's excellent service and expertise.”
-Daphne Peterson, Realtor, Santa Rosa, CA
“I would highly recommend Elise to my clients. She is very knowledgeable and personable and I know she has my client's best interest at heart.”
-Kelly Townsend, Realtor, Santa Rosa, CA
Visit YELP for additional Groves Team testimonials or add your own now!
ActiveRain Corp. is not responsible for the accuracy of the site's content (which is written by members of the ActiveRain Real Estate Network) and does not endorse the views of the real estate agents, mortgage brokers, and others listed here.
Powered by the ActiveRain Real Estate Network
© 2012 ActiveRain Corp. All Rights Reserved
