Some goods again for mortgage holder of Arms and Adjustable rates. Read below for some facts. For more info go to our Home Team Girls blog
Central Banks Coordinate Global Cut in Interest Rates
Hoping to thaw the current credit freeze, the Federal Reserve, the European Central Bank, the Bank of England, and the central banks of Canada and Sweden reduced their primary lending rates by a half percentage point Wednesday. The Chinese central bank also reduced its key interest rate and lowered bank reserve requirements, while the Bank of Japan's rates remained unchanged.
MAKING SENSE OF THE STORY FOR CONSUMERS
· The purpose of the rate cut is to increase consumer confidence, which in turn should help stimulate the economy. When consumers and businesses have more confidence in the economy, they usually spend more money, which bolsters the economy by enabling retailers to increase sales and prevent future layoffs.
· The Federal Reserve controls the interest rate that banks charge each other for short-term loans. Usually this leads to banks lowering the rates they charge consumers and businesses. The short-term loan-rate reduction, from 2 percent to 1.5 percent, should have an almost immediate effect on credit-card rates, according to financial analysts. Interest rates on automobile and business loans also should decline. Generally, the short-term loan-rate reduction also leads to a reduction in mortgage rates; however, it is too soon to predict if that will happen in this case given the way the market has reacted to recent economic news.
· Some credit card companies already have reduced their credit card rates. Although there may be room for further reductions for some consumers, many experts believe that only consumers with the best credit scores and payment history will benefit from the rate reduction. Most credit card companies deem consumers with high credit scores as providing the least amount of risk.
· Consumers with fixed-rate mortgages will not benefit from the rate cut; however, those with adjustable-rate mortgages (ARMs) may. When banks receive an interest rate cut, they may pass along the savings to consumers. Homeowners with ARMs could receive a payment reduction.
To read the full story, please click here:
http://www.nytimes.com/2008/10/09/business/09fed.html?_r=1&hp&oref=slogin
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.
This can be great time to sell if you are moving and buying again. Interest rates are down. When you sell low 
you can buy low to offset your loses. The good news is, your new property taxes will be lower!
Sell your home fast in any market
Due to the large number of available homes on the market, and the fact that the traditional home-buying season is coming to a close, sellers need to be aware of key factors that can determine whether their home sells quickly or lingers on the market.
MAKING SENSE OF THE STORY FOR CONSUMERS
· Accurately pricing a home continues to be the number one factor to conclude a successful sale. Most REALTORS® guide sellers in determining an accurate listing price for their home by tracking comparable properties in their neighborhood that have sold within the previous three to four months. Since the market can greatly fluctuate from one neighborhood to another, some REALTORS® believe that setting a price based on comps older than three to four months will not accurately reflect the current market and could result in pricing a home at odds with current market conditions.
· Even in today's market, sellers do have some control over many contingencies. Some buyers may request that their contracts include contingencies based on their ability to obtain financing. To avoid risks associated with this contingency, some REALTORS® advise their clients to request buyers to provide a pre-approval letter from a well-established lender; a financial information sheet outlining the buyer's employment history, income, assets and liabilities; and a recent bank statement showing that the buyer has enough funding reserves for the required down payment. This ensures that the buyer is likely to be approved for a mortgage loan, and reduces the risk to the seller.
· Some buyers may use a home's inspection report as a bargaining chip to negotiate a lower price. When this occurs, some sellers offer buyers a lump sum of money so the buyer can make the repairs, rather than the seller repairing each item listed on the report. Sellers may be able to avoid paying a lump sum to the buyer by having the home pre-inspected prior to listing. This enables the seller to obtain accurate estimates for the cost of repairs ahead of time and provides the seller with the option of making the repairs before listing the home.
To read the full story, please click here;
http://realestate.msn.com/Selling/Article_kip.aspx?cp-documentid=10888459>1=35000
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.
The Home Team Girls did it again. A new listing in Roseville Ca. See this beauiful show room ready house for sale. Over 100K in upgrades.
Give them a call at 916.759.2147 for a showing.
This amazing property was sold near listing price. The Home Team Girls use professional home stagingwith all their listings. The Home Team Girls believe that is why this property sold at the price it did. They use virtual Tour technology to grab buyer interest on the MLS. It has been proven that homes that have virtual tours get more views on the MLS.
Notice that the outside of this home was meticulously staged as the inside.
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.
Our newsletter is here is help inform you with articles that relate to you in a timely way. Feel free to contact us for any of your Real Estate Needs. The Home Team Girls can help buyers, investors, sellers in this tough Real Estate market. Visit us at our website at www.HomeTGeamGirls.com or 916-759-2147.
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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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