Some Relief Ahead 
· The main constraint on market activity at this time is the lack of funds available for loans because of the credit crunch, which has been compounded by tighter underwriting standards.
· Historically, mortgage rates on jumbo loans are 0.2 percent to 0.4 percent higher than those on conforming loans, but the spreads since the onset of the credit crunch have been double or even triple that.
· The lack of available funds for loans, even for qualified buyers, has resulted in a dearth of buyers who can close on a home purchase.
· The time a home remained on the market prior to selling improved to 46.1 days in September 2008, compared with 56.7 days (revised) for the same period a year ago.
· In September 2008, it would have taken 6.5 months to sell all the homes on the market at the current sales rate, an improvement compared to a year ago, when it would have taken 16 months (revised).
· Although the Federal Reserve Bank's action to reduce the federal funds rate to 3 percent will have little near-term direct effect on the housing market, the rate cuts should result in more favorable real estate finance rates as we move through the year.
·The Successful passage of the economic stimulus package should positively impact the market as buyers who previously would have to take out a jumbo loan will qualify for more affordable conforming loans, thanks to the plan to increase the conforming loan limit from $417,000 to as much as $729,750.
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.
Sacramento Area Median Home Prices Contines to Lower
Looks like the market is continuing to correct more. Because of the unfortunate distressed sales in our region- it is causing the home market pricing to bottom out. Foreclosures have been the main reason why our area has been hit so hard. As soon as the REO Foreclosures dry up, we will start to see the market stabilize.
I have included some graphs what show our Market Shows Signs of Recovering. You can see a sharp decline in meian pricing and now we are leveling out which is a good sign. The Median price is coming down into a realistic price for new home buyers trying to make it back into the market.
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 SaleSpecialist. 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 September's Market Snapshot features:
· California's housing market compared with the national market: Sales of existing single-family homes in California increased 57 percent year-over-year in August 2008, compared with an 11 percent decline nationwide.
· Differences in local housing markets: In some markets Median home prices may have decreased at a rapid pace, while other areas may have registered slight increases in recent months, demonstrating that housing markets are local and can vary greatly from one area to the next. The First Time Home Owner affordability has improved 24% from a year ago. This market report states that unsold inventory is down a bit since last month but a decrease of 59.4% since last year.
Check out our Real Estate Blog for more up to date satistics on the Northern California Placer County and Sacramento County areas.
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 dollars 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.
I thought this article was worth sending out. We are finding that the affordability factor is improving for 
new home buyers. With most of the 100% financing programs now extinct-it will take new homeowners more money to get into a loan. Read the article below.
Seller Financing
Due to stricter loan underwriting standards and increased difficulty for some borrowers to qualify for a loan, even for those who are well-qualified, more sellers are offering financing to potential home buyers, which some believe can be mutually beneficial to both buyers and sellers, and can give sellers a competitive edge.
MAKING SENSE OF THE STORY FOR CONSUMERS
· In addition to sellers receiving a steady flow of income by providing financing to home buyers, sellers also can profit from the interest payments. Sellers also may be able to sell the mortgage on the secondary market, thus reducing their risk. However, seller-financing is not always the best option. Sellers who need the equity from their current home to purchase their next one are advised to not offer seller financing.
· Buyers, especially those who are self employed, work on commission or have lower credit scores, but can explain the circumstances that led to it, also may benefit from seller financing. Often times, these buyers do not qualify for traditional, conforming loans, reducing their ability to become homeowners.
· To reduce the risk of possible loan default, most real estate professionals recommend that sellers request a down payment of at least 10 percent, especially if the buyer does not have an ideal credit score. Buyers who do not have a large financial stake in the home may be more likely to default than those with a more substantial down payment. It also is recommended that sellers work with a real estate attorney to draft a contract that includes possible implications if the buyer issues a late payment, defaults on the loan or neglects to adequately insure the property. Sellers also should work with an experienced loan servicer who can collect payments and keep records.
To read the full story, please click here:
http://online.wsj.com/article/SB122376508247826199.html
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 $5000 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.
Just listed your home..... Guess what, your home just entered a BEAUTY CONTEST! 
Why not get crowned a beauty and get your home sold!
Why do some sell and others not? Let's assume your home is priced right, your Realtor did a CMA- Comparison Market Analysis, and your home is priced within the right range. Now what?
Enter the Beauty Pageant....
Once you list your home for sale- it is listed in a Beauty contest by default. Your home is competing with all the other homes that are priced similar to yours.
The Beauty School Drop Outs- Vacant homes
These potential beauties are bare-lifeless and cold feeling. If you are selling your home vacant, you are cutting out potential buyers that would have fallen in love with your home. Because furnishings and décor bring warmth and appeal to a home, that is why new home builders home pay big bucks for staging- because it works.
Look at it this way- over 80% of the buyers can't imagine their furniture in your home. If we have only 20 buyers out there in your price range- 80% will be cut out of the buyer pool. You have limited the buyers who will want to buy your home.
Check out the before and after pictures- which one would you crown the winner? Staging will make the difference and get your home into the finals.
A couple of tips:
Evening Gown Competition:
What your home wears will count when it comes down to the judging. Is your home wearing excessive clutter or is it over decorated?
Clutter eats equity-buyers can't see through all the stuff. It's like wearing too much makeup in a cover up. Buyers want to see the features of your home not your collections, endless pictures on the wall and all those electrical cords behind your computer hutch.
Décor can either attract or distract. Have a stager evaluate your home to make the needed improvements
without eliminating any potential buyers from your home. Here are some tips on de-cluttering
Staging can make a difference as being crowned the winner and sold! 
Make sure staging is a part of your selling strategy.
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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