Chase Bank is Giving Delinquent Home Owners 30,000 to Short Sale their Home!
I got a call from a client of mine that received letter in the mail from her bank which is Chase. They have been unsuccessfully trying to do a loan mod for over 1 year now to no avail. They called me to see if this was a scam. I told them I have read about this short sale program and it is for real. It seems that Chase is offering this to people who have really bad loans, at least this is the case with our client.
Our client's home is an investment property and as part of the conditions of the short sale, the bank is waiving all rights to go after any deficiencies. Sounds like a good deal doesn't it. We were told to list the property at fair market value and that we would get a fast approval.. We had an auction date early June which I was able to get postponed.
If anyone has a Chase loan and want to find out about this Chase short sale outreach program, give me a call to see if we can help you short sale your home.
We are Roseville area Short Sale Specialists ready to help anyone who is upside down on their property and can not afford to make payments anymore. Give Kathy Dyer a call at 916-759-2147, you are not alone. Kathy Dyer and Christine Sturgis has helped many people short sale their properties and get a clean start.
Who are the Voiceless Casualties of the Housing Crisis?
Have you ever asked the question, “what happens to the pets of people who are displaced from their homes?”
As Realtors, Kathy Dyer and I are designated as Distressed Property Specialists. We have the privilege of helping people navigate through this difficult and declining housing market. Many people are losing their homes and having to find temporary housing or apartments. Others stay with family or friends until the dust settles. We understand what a difficult and stressful event this is in peoples lives. There is another population that is being displaced and we want to help as well.
It is a sad fact that people are having to make difficult and heartbreaking decisions about their pets. Kathy and I visited with the Staff at the Placer SPCA to see what we could do to help these displaced animals. We were so impressed and moved by the work that the SPCA is doing to help people and their pets. The SPCA is very sensitive to the needs of the animals who have lost their homes. They have programs that help with boarding expenses until the owners find housing. They also have loans and grants to help with pet deposits for apartments.
For assistance with pets and services for displaced families, check out the SOS Program for help. Their goal is to keep people and their animals together whenever possible.
If you know anyone who is struggling to keep their beloved pets please share these links with them, www.PLACERSPCA.org. Be sure to check out their many volunteer opportunities and community events and fund raisers.
Kathy and I will be working with the Placer SPCA to help raise awareness about the services and needs of our voiceless, four legged friends. I am actually going through the orientation and classes to become a volunteer. There are so man
y different programs and volunteer projects you can become involved with. Everything from fostering puppies and kittens to adoption counseling to marketing and special events.
Don’t forget to visit the SPCA’s thrift shop right there on Washington Blvd! Please keep posted as we will be posting updates about the activities and events about the Placer SPCA!
Christine Sturgis Realtor
Important Government Notice: Kathy Dyer, Christine Sturgis and Keller Williams Realty are not associated with the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.
ROSEVILLE SHORT SALE REALTOR CLOSES ANOTHER WELLS FARGO SHORT SALE
The Home Team Girls, Roseville Short Sale Realtor, closed another successful short sale in Roseville! We negotiated with Wells Fargo Bank to release the home owner from any future liabilities of deficiencies between what the bank got paid from the short sale and what was owed on the mortgage.
It is important for Short Sale Realtors to successfully negotiate with the bank in order to acquire full release of all liabilities. That is why home owners who are upside down on their property to find an experienced short sale specialist to represent them on their short sale, find one that has been trained or certified plus has had success closing short sales.
The market rules are changing all the time so it is imperative that your find a Realtor who is in the trenches learning the latest rules that apply to the latest short sale programs that help homeowners.
Make sure that you first check with a real estate attorney so they can advise you on any pit falls from a short sale versus a bank foreclosure. In most cases, a short sale makes more sense.
Another resources you will need advise on is if you will have any tax consequences on completing a short sale. Again, most people do not have tax consequences, but every person has specific and unique situations that only a CPA can advise you on.
If you need any referrals for Real Estate Attorney or a CPA that is experience in Short Sales, call a Short Sale Specialist in your area.
If you need a referral for a Certified Short Sale Realtor, I am part of a data base of associates that I can recommend to you. Give me a call. Home owners who are upside down on their home and can not afford their payments any more are not alone. If you know anyone who needs help keeping their home out of foreclosure, we're here to help. Give us a call.
First Time Home Buyer Traps to Avoid for Roseville Buyers
DON'T BECOME A BUTTERFLY BUYER 
Butterflies that go from flower to flower gathering nectar are like buyers that go from listing agent to listing agent trying to see if a particular home is available. More often than not, anxious buyers are later disappointed to learn that another buyer has already placed an offer on the home. Once this happens several times, a first time home buyer will become more proactive and attain a buyer's agent.
If this has happened to you, find a Realtor that will set you up on your own customized personal portal. These portals can be set up to email you every morning with the newest listings that hit the MLS that match your criteria. No more wasting time looking at homes that do not match what you want. Let technology save you time.
Not many people know this....the Realtor MLS displays new listings from 24-48 hours before the public internet real estate sites display them. A savvy first time home buyer, who is working with a Realtor, will see these homes first and have the opportunity to make offers before the general public. Most REO bank owned properties get multiple offers the first day they hit the MLS. If you want to find the good homes, the early bird gets the worm. Go find a Buyers Agent to represent you, not the seller. Fill out the form on our website at HOME TEAM GIRLS to get started on a portal.
DON'T LOW BALL YOUR OFFERS
Following the economic housing market collapse, desperate sellers were often eager to accept an offer, any offer. Until recently, any first time home buyer looking for competitive prices may be disappointed. Competition that comes form cash paying investors, international buyers, and downsizing retirees have made a noticeable impact on the market. In January 2011, about 32% of purchases were made with cash, up from 26% a year ago, according to (NAR) National Association of Realtors. Sellers are often more inclined to accept these offers since they don't need to wait for a lender to approve financing. Placing a slightly higher offer may incline a seller to accept your offer over a lower cash offer.
WAIT TILL THE MARKET HITS BOTTOM
No one has a crystal ball, but what we do know is this: interest rates will not last at this rate for long. Many economists predict that interest rates will go up the 4th quarter of 2001 or early 1st quarter of 2012. Once hit with higher interest rates, the affordability factor for a first time home buyer, will affect the price range they qualify for. They will be stuck having to buy a smaller, less upgraded or older home than they can buy now. Home prices are great now, don't fall victim to procrastination.
FOR MORE INFORMATION ABOUT FIRST TIME HOME BUYER PROGRAMS AND HOW TO GET STARTED, CALL THE HOME TEAM GIRLS- www.HomeTeamGirls.com WE CAN GET YOU SET UP ON YOUR OWN SEARCH PORTAL.
Since the beginning of the mortgage scandal, where most large banks allegedly processed hundreds of thousands of foreclosure documents improperly, Wells Fargo has maintained that its business practices have been in accordance with the law.
John Stumpf, Chairman and CEO of Wells Fargo, released the following statement: "We are confident that our practices, procedures and documentation for both foreclosures and mortgage securitizations are sound and accurate. For those reasons, we did not, and have no plans to, initiate a moratorium on foreclosures." For more info go our website at Upside Down Home Cures.com .
What does this mean for a home owner that is behind on their Wells Fargo Mortgage? If a foreclosure is looming on your horizon, the best solution best is to talk with an experienced short sale realtor. The Short Sale Realtor can recommend some alternatives to foreclosure and point you to professionals for advice on the possible tax ramifications or deficiencies comparing foreclosure to a short sale.
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Kathy Dyer Roseville Ca Certified Short Sale Specialists in Rocklin, Granite Bay , Lincoln, Loomis, Placer & Sacramento County & first time home buyers & investors, we can find you a HUD home
Kathy Dyer & Christine Sturgis Realtors "KELLER WILLIAMS REALTY ROSEVILLE"
Distressed homes and Short Sale Realtors in the Roseville area.
If you find yourself in the heart-wrenching situation of not being able to pay your mortgage payments, you are not alone. There are options other than foreclosure.
Call us to find out more about Short Sales in Roseville. If Call us and we will provide you with some direction. If possible we want you to keep your home. We are Certified Distressed Property Experts.
Visit UpsideDownHomeCures.com for more information about Short Sales.
FOR SELLERS
we utilize the latest technologies, market research and business strategies to meet your expectations. We both have combined over 16 years experience in Real Estate. Check out our Sacramento and Placer County Homes For Sale at the Home Team Girls. Find Short Sales, Foreclosures, Hud Homes, in the Roseville, Rocklin, Loomis, Granite Bay, Auburn, Lincoln, Placer and Sacramento county areas.
FOR INVESTORS
Investors making multiple offers love our services, as your Roseville 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. 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.
CHRISTINE STURGIS
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. 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.
After being a business owner and entrepreneur for the last 30 years, Kathy began her real estate career 4 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.
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.
KATHY DYER
Kathy is a Certified Short Sale Specialist in the Roseville Ca. area. She gives her clients hope from the painful process of foreclosure. She will help you through the whole process. She is dilegent and holds the following short sale designations:
CDPE Certified Short Sale Specialist 
Preoreclosure Specialist Certification 
Certified Hafa Specialist
She 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!
BUYERS
First Time Home Buyers - 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 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 Foreclosure and Short Sale Specialists: Are you looking for a good priced home? We specialize in Bank Foreclosures, Hud Homes and Short Sales. Check out our website at www.HomeTeamGirls.com for Bank Foreclosures 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. Your are not alone, call us for other alternatives including a short sale. Check out www.UpsideDownHomeCures.com for more short sale info.
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 Sturgis and Kathy Dyer Roseville Realtors...
Due to an unexpected hardship I had to make one the hardest decisions I have ever made. I had to short sell my home that I fell in love with and lived in for the past 5 years. I was unable to refinance and the loan modification programs did not work for me. I did not want to go into foreclosure or file bankruptcy. I just didn't know where to turn. I met Realtor, Kathy Dyer I found that she dealt in short sales. I knew Kathy would do a good job because of her professionalism and personalized way of doing business.
She did not disappoint me, but exceeded my expectations. Going through a short sale can be a long stressful process, but Kathy made it much easier on me by negotiating with the banks so I didn't have to. Kathy was in touch with me every day keeping me informed during the entire process. They were able to negotiate a deal that the banks were happy with and did not totally compromise my financial future. I am very impressed with Kathy's professionalism and how much she really cares for her clients. You should be very proud to have Kathy Dyer as an agent for Keller Williams. Thank You, Lori Granite Bay
Thanks for everything you two did for me. You two are the some of the best/most positive professionals (and people too) I have had the pleasure to work with. You kept me focused and positive about finding the right home in Lincoln Ca and were always there to help me and/or answer questions. How Kathy does all the paperwork, etc so fast amazes me. Be assured I will recommend you two for any real estate needs to anyone I possibly can. I hope to talk with you from time to time just to see how you two are doing. Sincerely, Chuck Lincoln CA.
It's always a pleasure working with Christine Sturgis Realtor. She raises the bar for all Roseville Real Estate agents under the sun. None compare to her tenacity or enjoyment through the process. Until our next deal, Sierra -Loan Office and Business Coach Roseville Ca.
I've been a client of Christine Sturgis Roseville Realtor for 3 years now. I am always impressed with Christine's professionalism and the ability to solve problems and desire to do what it takes to make a deal happen. She was instrumental keeping deal together in Roseville. She is very knowable and always willing to learn. I would recommend her to a home buyer or investor. Alexander G. SF
The thing that impressed me most about our Roseville Realtor, Christine Sturgis, is that she truly cares about her clients and their well being. Numerous points arose in our real estate transaction when it could have fallen apart due to the type of market we were in Roseville. However, Christine remained supportive, positive and reassuring throughout. Christine is very knowledgeable about creative financing which is helpful to make the most difficult deals work. Christine is also very conscientious about her clients' immediate needs and seeing things through to the end. I very much enjoyed working with Christine over the past months. Adrienne Barrow Attorney at Law - Roseville Ca.
To all who have hired or are considering hiring Kathy Dyer Roseville Realtor to represent your Real Estate interests. This is an unsolicited acknowledgment that Kathy Dyer has gained the highest honor of recognition by demonstrating a Professional Standard of Practice in representing the interests of their clients exemplified within the five categories below:
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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