I have a desire to embrace joy.
To create unbounded celebration.
Creativity comes.
and, I share it with you.
It must take shape.
It calls me.
I cannot resist.
and, I share it with you.
I must go.
Places not yet seen.
Paths not yet walked.
and, I share it with you.
I have knowingness.
An expressive need.
My own timelessness.
and, I share it with you.
I write poetry.
Visual creation transforms.
Beautiful imagery opens the heart.
and, I share it with you.
What IS shall pass away.
What comes is new.
A way to commune and to lift up.
and, I share it with you.
I dance.
I love.
I listen.
I pray.
I cry.
I celebrate.
I laugh.
I am silence.
I am dynamism.
I am JOY.
I AM.
Stillness comes.
and, I share it with you.
Heart Expressions - Jeanean Gendron
I share it with you so that you may know it too. It is born of a broken heart now mended and strong. I share it with you that you may never know such sorrow and if you do that you will find your way in all things--not just in sorrow. Liberation is the stillness of being.
Redding CA Short Sale Agent - Bank of America Tightens Up Their Short Sale Approvals--I have recently gotten three short sale approvals from Bank of America. The short sales varied on the time tables for getting approval. We got approval on one in 30 days; one in 60 days and one in 120 days. Getting approval depends on many things. We seem to see those owners who have remained currently on their mortgage and negotiated with the bank to do a short sale getting their approvals faster. It is important to be in touch with your lender and to communicate. Your recovery is directly associated with taking responsible action in cooperation with the bank. That net effect will be a less severe hit to your credit and your ability to recover your financial stability.
I currently have clients that are now ready to get back in the market of home ownership. They have rebuilt their credit and can buy more house that they could before. I am working with several younger clients to take advantage of the low interest rates to buy with FHA loans and to live in the house 3-5 years and then buy again. The original purchase now becomes an investment property and they are on their way to building generational wealth. Repeated every 5 years and utilizing the tax breaks from 1031 Exchange, we have an infrastructure that helps the investor leverage tax benefits to establish wealth. We should all be doing the same thing.
Getting some of the older short sales done appears to be harder. I recently had a short sale that the seller had not made a payment going on over a year. We submitted everything to the bank. The bank countered and we accepted the counter. It then went to the Investor for approval and languished there for 90 days until we lost the Buyer. Why this occurred is not clear. Was it the age of the delinquency or something on the Banks side (robo-signing issues). We won't know.
This is certainly not enough data to establish or to determine a policy change on Bank of America's part but it would seem to be the case. I will continue to watch just how long it takes to get approvals.
If you are in a situation where you have suffered a hardship and are struggling with your mortgage there are several reasons that you should consider the short sale in 2012. CA SB 458 signed by California's Governor Jerry Brown and passed in 2011 prohibits second lien holders from suing the homeowner after the closing of escrow on a short sale for any unpaid balance. It is unknown if this law will be extended. The Federal SB 931 will also expire at the end of 2012. Again, we do not know if these laws will be extended. We will hope so.
The steps that are important for you to know are that you have options. You will want to speak with your lender to see if you can qualify for the new short refinance program being offered. You will want to explore loan modification options with your lender. There may be new opportunities for both these options due to the recent Obama 26 Million Dollar settlement with the Major banks over "robo-signing". It is really only a drop in the bucket but it is a beginning and it hopefully, will help many people stay in their homes.
I will be sharing information on this "Settlement" and what it will mean to those in hardship. My hope is to see the real estate market return to a stable and attainable goal for all people.
As real estate professional who has achieved the Certified Distressed Property Expert (CDPE) designation, it is my mission to give homeowners the gift of a fresh start or to find alternatives to foreclosure that allow you to remain in your home.
Contact me TODAY and let’s get started.
I am Jeanean Gendron, your Redding and Shasta County Specialist.
You can reach me at 530 276-7417. I answer my phone I hold the Certified Distressed Property Expert, CDPE and the Certified Investment Agent Specialist, CIAS designation. I have taken special training so that I may help my clients in all their Real Estate Investment needs.
Knowing the Alternatives to Foreclosure in this market is critical in helping my clients.
I am here to help.
I am HAFA Certified!
___________
What Is A CDPE? Certified Distressed Property Expert
The Certified Distressed Property Expert Designation (CDPE) is verification that a REALTOR® has taken the initiative to become an educated and prepared advocate on the behalf of a homeowner in distress. Earned by completing a comprehensive curriculum via the Distressed Property Institute, real estate agents with the CDPE designation are equipped with the expertise to help distressed property owners avoid foreclosure.
As a CDPE designated REALTOR®, I am committed to helping people who are facing foreclosure by finding the right solution for their individual needs and seeing the issue resolved. A portion of my CDPE designation course work involved short sales. Previously, short sales were a rarely accepted alternative by lenders, but in today's world they are increasingly becoming a viable option. Although more common in recent years, lender's still want the right deal with the right paperwork, and most real estate agents without the CDPE designation do not know the specifics. The CDPE course has taught me how to submit the proper documents to a variety of lenders as well as negotiation skills, allowing for quick resolve to a short sale. The education of a CDPE designated agent is continual, as CDPEs from across the county provide information to the Distressed Property Institute for a continual flow of new information to share with other CDPE designated agents.
Valentine's Day is just around the corner and it is now time to prepare and to buy those sweet little things for your Honey, your friends and your children. I hope children still give Valentines on Valentine's Day. I can remember getting so excited to make out all my valentines and to say just the right thing to just the right people....boys mostly....but girfriends too.
I'll be trying to think of some wonderful thing to do for David and I am sure that it will involve chocolate (I can partake as well....no gluten in chocolate....gotta love that). Ginger will get a red toy that she will gut within minutes but you have to know that is her fav part and it is a friend for life even without guts.
So as a reminder of the day that is coming, I have prepared a little ditty from me to you....wishing you Happy Valentine's Day. It is also a lament to my beloved Picnik as I celebrate it to create the ditty. Have a happy. It is our choice to be happy!
Happy Valentine's Day Picnik - We Will Miss You - Jeanean Gendron
I've been out looking for a replacement for Picnik and it is not going to be fun. I ended up with BeFunky as one alternative. It far more limited than Picnik but manages things in a similar way. It is also brower based and has the same feature upgrade for about the same amount. No way is it as rich as Picnick. It is easy to use and if you know Picknick....well you can move around pretty quick and get things done.
I love Picnik because I can be in and out of it so fast. I can create something from scratch in 15 minuites and edit photos in 5 minutes. It will be a great loss. I looked at Aviary.com also. It is beautiful, elegant and very complex. I may start using it over GIMP. I love the elegance of it. It feels and acts like an Apple Product. Lot's to learn on this professional level.
So here are some silly little things that I played around with in an effort to find a quick an dirty photo editing substitute...
BeFunky.com
Disappointed in the frames.
piZap.com
A couple of cool backgrounds...and the text editor...was good.
Lunapix.com
Don't you like this one. My Grandma would!
piZap and Lunapix
They are not Picnik. Woe is me....I guess I will learn to live without it. On Frames, they seem to encroach on the photo where in Picnik they do not. Big difference. That's it for my playing today.....
Using the Reblog is such a great opportunity. When someone has spent endless time and effort on a post that provides good information and insight into our Industry and business, it is a privilege to reblog that information out to our local market. What a great idea and we are so much richer for the opportunity to do so.
It is an opportunity that you will want to use correctly. Many times, members that are reblogging will turn off comments. In my opinion there can be a time when you want to do that and there will be times when you do not want to do that. The information that you are sharing to your local market is for the Consumer. You want to be able to engage with the Consumer. If you have turned off comments, you really have defeated the purpose of the reblog.
There can be times when we only want to honor someone for inspiring us and the membership. That can makes sense but if you are putting out that good localism knowledge for your local market....well leave on the comments function.
One other thing, is that the reblog is not to use in any negative way. I worked hard on a post about using photos to market and sell real estate and to promote Localism. One of the members used my post to make a negative comment about touching up photos on REOs. It just about broke my heart. I had worked so hard on the post and then to have it misused.
The moral of the story post is to understand how you are using the reblog and to do it well. If is going to your local market well you will use all the same SEO tags that you would if you had written the post. We thank the original writer graciously, but we want to be clear that we are sharing important market information. Oh and please be respectful of the content of others.
Just saying....
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Redding & Shasta County areas are diverse in beauty and lifestyle choices. Rivers, lakes, ranch land, we have it all. Investors, second homes & retirement. Visit today. Beautiful Country/Good Prices.
Jeanean Gendron, Realtor, DRE#01299346.
My husband and I met at Apple Computer. We both formed our value system while at Apple. We loved working at Apple and being part of the concept that "We could change the world". I have come to realize of late that we believed we could change the world and we did. Look how far we have come from the Apple IIe. WOW! Neat Stuff!
My husband and I continue to be passionate about life and the celebration of our work. We ran our own software company for 16 years, helping small work groups with performance improvement. It was very good work and we were always helping our clients to see measurable performance improvement. Guess what? We are applying all that great knowledge to our Real Estate Business.
It is such a cosmic dance to be able to build our own systems and do for ourselves what we have been doing for others for so long. Look out baby, here we come. Absolutely outrageous service on every level conceivable is the goal. I can't wait for each day and each new opportunity. We are having some kind of fun now! Stay Tuned!
Service You Deserve. Someone You Can Trust.
Our web sites are designed to be your complete real estate resource. If you are shopping for property you can search for, and view the entire multiple listing service. If you are selling your property, you can get a full competitive analysis of your property's value in today's market. We provide our client with an extensive marketing plan and web exposure that WORKS! I am always available to offer you personal one-on-one help.
BUYERS: Search the MLS for properties in the Redding and Shasta County area. Click Here to fill out a form and receive free email listing reports based on your search criteria. Whether you are a first time buyer or an experienced investor, I can help you with useful information and resources about how to choose the "right" property, making an offer, negotiating, financing, mortgage rates, moving, and everything involved in making an informed real estate decision in todays market. This website and my services are dedicated to helping you.
SELLERS: If you currently own property and are thinking of placing it on the market, this site contains information about preparing your home for sale, pricing your home appropriately, marketing effectively, using technology (Virtual Tour and Your Own Website) to ensure a comprehensive marketing presence. Email us today or call for a Free Market Evaluation. Learn how we can promote your home 24/7 and achieve your real estate goals.
18% of Homes Sold are through Relocation Services. This is an important advantage and one I want to provide you with.
Please feel free to browse through this site to explore Shasta County communities. This comprehensive on-line tool offers direct access to the latest properties for sale in your area. Featuring extensive community information, consumer links, school information, free reports, answers to commonly asked real estate questions, and more, you'll find everything about real estate within one easy source.
You will love the diversity of our area. Our city is sophisticated and philanthropic and yet with short travel you have nature's bounty available. Hiking, fishing, birding, wildflowers and topography that changes within short distances. We have it all! Visit us today and see for yourself!
My husband and I are fly fishing enthusiasts. We love being on the river and the connection it brings to the river and to the environment. There is nothing better than hunting that “brookie” or “brown”. My husband David, is a fly fisherman of extraordinary ability (he is poetry in motion when it comes to fly fishing) and is the true fly fisherman. He can fly fish anywhere in any condition. He is the "hunter". I on the other hand have to have just the right spot and just the right equipment. I fiddle at fly fishing. However, both styles of fly fishing are wonderful. As I said, it is not really about how but why. The why is being in the river with glorious sky above and beauty all around and the knowingness of that one second in time when you are completely connected to all living things? That one transcendent moment when you and nature are one is transformative. You are the fish, you are the river and you are all that surrounds you.
We of course practice catch and release and have been asked “why bother”. The answer to that is in the act of “thinking like the fish” and therefore “being the fish”. Once you have that connection and you actually succeed in “catching the fish” there is complete satisfaction. That second when you are allowed to gently release the hook (no barbs) and as the fish swims free from your gently cupped hand, the celebration of having met this lovely fish for that very short space in time is forever in your memory. I remember every fish I have every caught. The “brookies” shines like a penny and the “rainbows” jumps and fights so beautifully with such spirit. It is all SO, SO GOOD!
Come visit Redding and enjoy the best fishing rivers, streams and lakes in California. Look David and Jeanean Gendron up….and we’ll go with you!
Please also visit our other websites for specialized services:
Jeanean Gendron’s Real Estate Resource Website--Please feel free to browse through this site to explore ShastaCounty communities. This comprehensive online tool offers direct access to the latest properties for sale in your area. Featuring extensive community information, consumer links, school information, free reports, answers to commonly asked real estate questions, and more, you'll find everything about real estate within one easy source.
Redding Luxury Market Website—Visit this dedicated website for the marketing of Elegant Homes in Redding California and ShastaCounty. Learn about the Redding Elegant Home Marketing Plan, a comprehensive marketing plan that nets results.You can also see the Luxury Market listings across the nation. Quality Marketing Nets Results!
The Redding Golf Lifestyle features those Golf Course Luxury Homes here in Redding and Shasta County. Tierra Oaks, River Bend Estates and Gold Hills provide the Golfing Lifestyle of Luxury Homes located on some of the most beautiful golf courses in Northern California.
www.TheReddingGolfLifestyle.com
Featuring Western US Ranch and Land for Northern California and the West. Visit this website to learn about ranch and land for sale in the Northern California lands and beyond to the Western US.
Northern California Properties for Sale
Celebrating the beauty of Redding and Shasta County, CA and all the lifestyles that come with living here in this River Community with three mountain ranges to explore. Vista are available through Shasta County and the "Living is Good"!
Shasta County New Homes offers those new developments and opportunities to build your dream homes. Featuring Ochoa and Shehan Homes you are the latest listings available to see. You can also visit soon Sunset Oaks Condominiums.
Help for the First Time Home Buyer and How to Buy in detail. Helping first time homes buyers through the difficult and complex process of owning their own home is a resource on "how to" reach their goals.
A Short Sale Resource for Seller in Trouble with their homes. This is a resource that is available to help Seller who are upside down in their mortgage.
If you have any questions please don't hesitate to Contact Us.
Real Living Real Estate Professionals
1647 Court Street
Redding, CA 96001
Sustainable Business Model
Copyright 2007 David Gendron
DRE# 01299346
AGENT REFERRALS: I AM VERY INTERESTED IN GIVING AND RECEIVING REFERRALS--Just as I work hard for my sellers and buyers.....I will also work hard on referrals to make sure we have a successful transaction. I will keep you in the loop with weekly updates and make sure you are confident in how the transaction is progressing. I am dedicated to reaching the goal.
Residential Services--Service You Deserve. People You Can Trust--Jeanean Gendron. When you are buying or selling property in today's real estate market, it's important to have confidence in your real estate professional. My commitment as your local REALTOR® is to provide you with the specialized real estate service you deserve.
When you are an informed buyer or seller, you'll make the best decisions for the important purchase or sale of your real estate properties. That's why my goal is to keep you informed on trends in the marketplace using the latest statistics in your local area. With property values continuing to adjust, real estate remains a sound investment for now and for the future. As a local area expert with knowledge of the communities, my objective is to work diligently to assist you in meeting your real estate goals.
I am personally committed to providing knowledge based real estate services. My goal will always be to provide you with the highest level of knowledge, information, service and expertise in the field of real estate.
Corporate Mobility Specialist--Marketing Assistance, Closing Assistance, Buyer Value Options/BVO Program, Amended Value/AV Program, Buy-Out Marketing Assistance with Buyer Value Option BVO
New Home Marketing and Residential Construction Certified--Marketing and sales assistance for Developers--we offer full marketing plan design and development services that include: direct mail programs, dedicated websites design and development with complete virtual tour capability. We make the small developer look like the national developer. Visit http://www.nobhillredding.com for an example of one website we did for a small developer in Redding.
Learning is at the core of my real estate career. My commitment to knowledge for my industry is on-going and includes the following completed real estate courses: Property Management, Real Estate Finance, Real Estate Practice, Real Estate Economics, Legal Aspects of Real Estate, Real Estate Principles, Real Estate Appraisal and Escrow. I am a firm believer in continuing education and being knowledgeable in my industry.
I hold the following designations:
AGENT REFERRALS: I AM VERY INTERESTED IN GIVING AND RECEIVING REFERRALS--Just as I work hard for my sellers and buyers.....I will also work hard on referrals to make sure we have a successful transaction. I will keep you in the loop with weekly updates and make sure you are confident in how the transaction is progressing. I am dedicated to reaching the goal.
OUT OF TOWN INVESTORS--Robert and I would like to express our thanks and appreciation for all your efforts in buying our home in Redding. This was a very positive experience for us and it was made easier with your help and guidance. You have an innate ability to remain calm and seek alternatives which helped us through the most difficult parts of the home buying process. Your professionalism and extensive knowledge helped narrow the search and focus our efforts. We admired your determination to provide us with facts and information in order to make quick decisions. You remained open and honest which gained our trust. You became someone we could always rely on. Jeanean, you clearly went above and beyond the call of duty and you are by far, the best real estate professional we have ever worked with. We have enjoyed this adventure and would like to continue a partnership with you and would like you to be with us on our next "project" whether it be land or a home in Redding. Not only have we gained a home in Redding but we have also gained a good friend in Redding, Thank you. RG and RG
OUT OF TOWN BUYERS--Thank you so much for helping us to find the perfect home for us! We really feel that if it had not have been for you, we would not be living in the beautiful home that we are. Thank you so much for your attention to detail and for helping to smooth over the rough spots with our escrow. Thanks, too, for working with the contractors and PG&E. There was no way we could have done all that living so far away. We felt as though you treated us like family and we really appreciated it! Thanks so very much......AR & JR
MULTIPLE REAL ESTATE TRANSACTIONS--We are so grateful for all the help you have given us over the years. We appreciate all your help for taking care of the details. You are a Realtor who cares........MN & RP
FIRST TIME HOMEBUYERS--You helped us get into our first home and we are so happy. We have the perfect home and the perfect Realtor. You helped us with the mortgage and with the move and in so many ways. Thanks for helping us to own our first home......LB and RB.
DIFFICULT LISTING--Thank you for helping us to market and sell our unique and beautiful property. You believed in us and the result was a WIN/WIN/WIN......MF
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