DATE: June 20, 2009
Kathy Dyer EARNS PRESTIGIOUS DESIGNATION
TO HELP HOMEOWNERS IN DANGER OF FORECLOSURE Kathy Dyer of Keller Williams Realty Roseville, has earned the prestigious Certified Distressed Property Expert (CDPE) designation, having completed extensive training in foreclosure avoidance and short sales.
This is invaluable expertise to offer at a time when the area is ravaged by “distressed” homes in the foreclosure process. Short sales allow the cash-strapped seller to repay the mortgage at the price that the home sells for, even though it is lower than what is owed on the property. With plummeting property values, this can save many people from foreclosure and even bankruptcy.
More and more lenders are willing to consider short sales because they are much less costly than foreclosures.
In Roseville Ca area, more than 1,611 homes are in danger of foreclosing. It is happening in all price ranges. Local experts say that even high-priced homes are not immune.
“This CDPE designation has been invaluable as I work with sellers and lenders on complicated short sales,” said Dyer. “It is so rewarding to be able to help sellers save their homes from foreclosure.” Alex Charfen, founder of the Distressed Property Institute in Boca Raton, Fla., said that Realtors® such as Kathy with the CDPE designation have valuable training in short sales that can offer the homeowner much better alternatives to foreclosure, which virtually destroys the credit rating. These experts also may better understand market conditions and can help sellers through the emotional experience, he said.
The Distressed Property Institute opened in January 2008 and provides training on-site and online. The CDPE is the premier designation for Realtors helping homeowners in distress and handling short sales. “Our goal is to educate as many people as possible so we can help as many homeowners as possible,” Charfen said.
The Home Team Girls Realtors® Real Estate Team helping you with Homes For Sale, Relocations, Seller Strategies, Certified Distressed Property Expert, Short Sales, Certified Buyer’s Agent, Bank Foreclosure Specialist, Short Sale Specialist. We use the service of a certified Home Stager on all of our listings. For Roseville and Sacramento Realtor Services call on the Home Team Girls
Tree Lighting - Roseville's annual Christmas Tree Lighting Celebration will take place on Friday, December 
5 from 5-8pm outside of the Civic Center (311 Vernon Street). Visit Santa and watch the dazzling display as the Mayor flips the switch to light the City's official Christmas tree.
Santa Around the Neighborhood - Santa Roseville's Neighborhood Santa will ride through our streets atop a sleigh while being escorted by police cars and fire engines during the second and third weeks in December. To find out when Santa will be traveling through your area, check out www.roseville.ca.us/santa or call Santa's hotline at 916.746.1388.
SNO-PARKS - The California Department of Parks and Recreation operates 21 sites that provide snow-cleared parking lots with sanitation facilities and access to snow play areas, cross-country ski and snowmobile trails. Visit www.ohv.parks.ca.gov and click on "SNO-PARKS" on the left side.
Downtown Plaza Ice Rink - This is the Sacramento area's only outdoor ice rink, located in the heart of downtown Sacramento at 7th and K Streets. Open through January 19th. Please call 916.442.8575 for information and hours.
Victorian Christmas in Nevada City - Nevada City's historic district reminds visitors of another time and place with Victorian singers, bagpipers, a live nativity scene, walking Christmas tree and visits with Santa Claus. Wednesdays: December 3, 10, & 17 from 6-9pm and Sundays, December 14 & 21 from 1:30-6pm. Call 800.655.NJOY for information.
Cornish Christmas in Grass Valley - Mill and Main Streets fill with old-fashioned Christmas carolers, carriage rides, bell ringers, musicians, and Santa Claus. Fridays: November 28, December 5, 12, & 19 from 6-9pm. Call 530.272.8315 for information. in person at the Sacramento Community Center Theater, 1301 L Street, Sacramento.
Sacramento Ballet's "The Nutcracker" - Shows from December 6th to December 24th. Tickets available by calling 916.264.5181 or in person at the Sacramento Community Center Theater, 1301 L Street, Sacramento.
The Home Team Girls Realtors® Real Estate Team helping you with Homes For Sale, Seller Strategies, Certified Buyer's Agent, Bank Foreclosure Specialist, Short Sale Specialist. We use the service of a certified Home Stager on all of our listings. For Roseville and Sacramento Realtor Services call on the Home Team Girls.
This issue Nov 6th 2008 of the Mortgage Update, It contains news and updates on the "Hope for 
Homeowners" program, and foreclosure assistance programs for borrowers with mortgages issued through IndyMac , JPMorgan Chase & Co., and Countrywide.
MAKING SENSE OF THE STORY FOR CONSUMERS
· Early projections indicate that only 20,000 troubled homeowners will apply for the "Hope for Homeowners" program, a considerable reduction from the previously estimated 400,000 homeowners who were expected to apply. The $300 billion program was launched Oct. 1 and is designed to help troubled homeowners rewrite a "risky" mortgage loan into a 30-year, fixed-rate loan with a lower interest rate. During the first two weeks of the program, the Federal Housing Administration, which oversees Hope for Homeowners, reported receiving only 42 applications. Some housing experts believe the low application rate is due to the program being voluntary for lenders and provisions requiring homeowners to agree to an equity share with the government.
To read the full story, please click here:
http://www.latimes.com/business/la-fi-hope4-2008nov04,0,5527840.story
Want a fast sale, thinking about doing some DIY fixes on your Sacramento area house? Or are you a new home owner to the Sacramento area, if so we can give you a 10% off coupon from Lowe's that is good for any one purchase up to a maximum of $5,000! That means if you spend $5,000 at Lowe's you get $500 off, $1,000, you get $100 off. No cost and or obligation email or call us at 916.759.2147 for the free Lowe's coupon.
This free 10% off coupon is ONLY available from Realtors that are participating in Lowe's Realtor Benefits program.
Our Lowe's "Inside Out", free monthly e-newsletter is full of great advice too. No cost, no obligation, just send an email and say "Sign me Up Home Team Girls."
Monthly tips on moving, buying and selling available
Education about innovative products and projects around the home that yield the highest return
Home maintenance tips
The Home Team Girls Realtors® Real Estate Team helping you with Homes For Sale, Seller Strategies, Certified Buyer's Agent, Bank Foreclosure Specialist, Short Sale Specialist. We use the service of a certified Home Stager on all of our listings. For Roseville and Sacramento Realtor Services call on the Home Team Girls.
MORTGAGE RATES
· Interest rates continue to remain near their historic lows. Thirty-year, fixed-mortgage interest rates averaged 6.04 percent during September 2008, compared with 6.38 percent in September 2007, according to Freddie Mac.
· Adjustable-mortgage interest rates averaged 5.14 percent in September 2008, compared with 5.66 percent in September 2007.
Want a fast sale, thinking about doing some DIY fixes on your Sacramento area house? Or are you a new home owner to the Sacramento area, if so we can give you a 10% off coupon from Lowe's that is good for any one purchase up to a maximum of $5,000! That means if you spend $5,000 at Lowe's you get $500 off, $1,000, you get $100 off. No cost and or obligation email or call us at 916.759.2147 for the free Lowe's coupon.
This free 10% off coupon is ONLY available from Realtors that are participating in Lowe's Realtor Benefits program.
Our Lowe's "Inside Out", free monthly e-newsletter is full of great advice too. No cost, no obligation, just send an email and say "Sign me Up Home Team Girls."
Monthly tips on moving, buying and selling available
Education about innovative products and projects around the home that yield the highest return
Home maintenance tips
The Home Team Girls Realtors® Real Estate Team helping you with Homes For Sale, Seller Strategies, Certified Buyer's Agent, Bank Foreclosure Specialist, Short Sale Specialist. We use the service of a certified Home Stager on all of our listings. For Roseville and Sacramento Realtor Services call on the Home Team Girls.
· Real Estate Home Sales continue to rise year-over-year, with sales in September 2008 increasing 96.7 percent in California, compared with the same period a year ago. Sales soared above the 500,000 unit threshold for the first time in more than two years.
· Month-to-month sales also continue to increase. Home Sales in September 2008 increased 2.3 percent compared with the previous month.
HOME PRICES:
· The statewide median price of an existing, single-family detached home in California was $316,480, a 40.9 percent decline from the revised $535,760 median for September 2007.
· The September 2008 median price fell 9.6 percent compared with August's revised $350,140 median price.
· One reason for the large year-to-year declines in the median price is the dramatic change in the mix of sales since the onset of the credit/liquidity crunch. A year ago, the under $500,000 price range accounted for 46 percent of sales, the middle segment ($500,000 to $1 million) made up 40 percent, and the greater than $1 million segment captured 14 percent of the market. As of September 2008, the mix had shifted to 76 percent, 18 percent, and 6 percent, respectively.
Want a fast sale, thinking about doing some DIY fixes on your Sacramento area house? Or are you a new home owner to the Sacramento area, if so we can give you a 10% off coupon from Lowe's that is good for any one purchase up to a maximum of $5,000! That means if you spend $5,000 at Lowe's you get $500 off, $1,000, you get $100 off. No cost and or obligation email or call us at 916.759.2147 for the free Lowe's coupon.
This free 10% off coupon is ONLY available from Realtors that are participating in Lowe's Realtor Benefits program.
Our Lowe's "Inside Out", free monthly e-newsletter is full of great advice too. No cost, no obligation, just send an email and say "Sign me Up Home Team Girls."
Monthly tips on moving, buying and selling available
Education about innovative products and projects around the home that yield the highest return
Home maintenance tips
The Home Team Girls Realtors® Real Estate Team helping you with Homes For Sale, Seller Strategies, Certified Buyer's Agent, Bank Foreclosure Specialist, Short Sale Specialist. We use the service of a certified Home Stager on all of our listings. For Roseville and Sacramento Realtor Services call on the Home Team Girls.
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Sacramento Real Estate Homes For Sale in Roseville Ca, Granite Bay , Lincoln, Loomis, Placer County, Sacramento County investment property & first time home buyers, short sales, home staging
Christine Sturgis and Kathy Dyer Realtors" the Home Team Girls" We specialize with distressed properties and short sales. If you find yourself in the heart-wrenching situation of not being able to pay your mortgage payment anymore, there are other options out there other than foreclosures. Call us to find out more about loan mods and Short Sales. One thing- DO NOT PAY FOR A LOAN MOD. Call us and we will provide your with some direction. If possible we want you to keep your home. We are Certified Distressed Property Experts.
For the seller we utilize the latest technologies, market research and business strategies to meet your expectations. We both have combined over 15 years experience in Real Estate. Check out our Sacramento, Placer, and El Dorado County Homes For Sale at Home Team Girls
They proudly service the Roseville, Rocklin, Loomis, Granite Bay, Auburn, Lincoln, Placer and Sacramento county areas.
As your Realtors, we're going Green with paperless transactions! For those clients who want to do their share of going green, the Home Team Girls will employ some of the latest green technologies for paperless transactions. If you are green conscious call on the Home Team Girls. No printing, faxing, or time consuming paperwork. Everything is done with electronic signatures. Easy and fast. Of course we can do the paperwork the old fashioned way too.
EXPERIENCE: As a top producer and a member of the Master's Club most of her career, she has extensive experience and knowledge in the Placer & Sacramento areas to best serve any of your real estate needs. CERTIFIED BUYER'S AGENT: In this fast changing real estate market, Christine, a certified buyer's agent, uses the latest tools to find your next property. If you're looking for a great deal on a bank foreclosure, it's more important than ever to be represented by someone who is an expert in this Foreclosure and the Short Sale market. Christine's team has had success and knows how to write offers in competitive multiple offer situations so that you come out a winner. They are experts at getting their offers approved by banks. If you want an agent that will get the job done faster, give them a call. Christine has the market experience and negotiation skills to help you get the best price for your home. Christine and her family have enjoyed the diversity and lifestyle of Roseville and have made fast friends here. She looks forward to meeting you. After being a business owner and entrepreneur for the last 29 years, Kathy began her real estate career 3 years ago. She has taken her successful marketing strategies and applied them to real estate. She uses the latest Internet marketing tools and implements them to maximize your listing exposure on the MLS and Internet real estate portals. For sellers, Kathy's a very successful certified home stager, Kathy transforms your property for the greatest buyer appeal using staging techniques, Visual Tours, stylized photos, and Internet marketing. Your home will stand out from the competition. A fast sale means more money in your pocket. She will stage all of their properties.
Christine has always been drawn to real estate her whole life. She was co-owner in a construction company that jump-started her into the field. Prior to that, Christine was a counselor for many years and brings those people skills to her Real Estate business. She moved from Carmel to Roseville 12 years ago and has been in Real Estate ever since.
Kathy was born and raised in the Chicago area and has lived in Roseville Ca. since 1989. Kathy received her bachelor's degree from University of Illinois Chicago and taught High School and coached a state championship gymnastics team for 3 years. She knows how to win!
Kathy is certified as a Certified Distressed Property Expert and will help give homeowners more options other than a bank foreclosure. A short sale is a better optuon often leaving homeowners with btter credit than having a forecloure. Click here for free short sale info.
Buyer's:
First Time Home Buyer - We have a first time buyer's program suited to your needs. We will walk you though the entire buying process. We work with lenders that will help you get qualified so that you can buy your first home. This is a great time to buy! Christine is a Real Estate Buyer's Agent Specialist.
Investors: Tired of all the paperwork and time it takes to do a deal. We use electronic signatures so you can sign all the paperwork without faxing and printing out numerous amounts of paper. Signing documents takes less than 2 minutes done at the convenience of your home or office. Takes 3 minutes to set up online. Store Documents online for easy viewing. Call us to see how we can help.
Bank Fore Closure and Short Sale Specialists: Are you looking for a good priced home? We specialize in Bank Fore Closures and Short Sales. Check out our website at wwwHomeTeamGirls.com for Bank Fore Closures and Short Sales.
Sellers:
If you are a distressed homeowenr and find yourself not being able to pay your mortgage payment any more. If you do nothing your home will foreclose. Call us for other apternatives like a short sale.
Our listings are presented online so that buyers will take notice. Check out examples of our Virtual Tours. High End Home Mid Priced Home Mid Priced Home Low Priced Home All our listings are staged.
Before Staging: After Staging:
Notice how distracting the unstaged property is, It is hard to appreciate the high ceilings and detail in this home with too much decor. All we did is remove some furniture and added some color.
We made some small changes that dramatically changed the room. Less distracting colors shows off the room and not the decor. We only used the sellers things.
Minimizing the cabinet contents and artistically positioning the photo greatly enhances the appeal of this kitchen.
What our clients are saying about Christine and Kathy Dyer Roseville Realtors...
Sincerely, Chuck
1. Client Representation: Agent has demonstrated a high standard of practice towards Client representation.
2. Knowledge: Agent has an advanced understanding and knowledge of the transaction process and use of proper forms to represent their clients.
3. Details: Agent has demonstrated exceptional attention to important escrow details.
4. Promptness: Agent returned phone calls and documentation requests in a timely manner.
5. Courteous: Agent established a compatible working relationship with clients and other Real Estate Agents creating a professional rapport.
As a third party Transaction Coordination Firm, YourTC works closely with many Agents during the Transaction Process and we are extremely particular as to whom we send this letter of recommendation. We are so pleased to find an exceptional Agent like Kathy, that we feel compelled and honored to express our highest recommendations with confidence to all the Kathy's Clients.
Sincerely, Rick Nieto Founder/Owner YourTC 916.784.7355
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