California Loan Modifcation agents Kidnapped and Tortured-
If you are thinking of doing loan Mod's in California you better get results! This we learned from the recent kidnapping and torture of a couple loan mod agents that didn't get the job done!
I have heard of work related stress but come on here.....
There is the new law that took effect recently that says "no up front fee's"...you only get paid when it happens....this should hopefully help home owners across California.
Losing your home is a very stressful event....no doubt about it....there comes a time when you have to go left or right and if you loan mod is not getting anywhere and the Trustee's sale is coming up you might want to consider a Short Sale.....
To Loan Mod's that go through!
Regards,
Richard
The market is certainly different than it was 4-5 years ago so I have been doing things that I have never done before.I had a phone book on my kitchen table and struggled with picking it up and making some cold calls...I left the book on the table and had my 6 year old for the afternoon as I usually do on Tuedays and Thursdays.
He looked at the phone book and said "Daddy what is the phone book doing on the table?"...I responded that I was using it to call people to see if they needed my services. He replied "great let's open it up and call some people!"....I replied Ryan we can't just call people.....he replied " why not daddy?"....I replied well Ryan people probably won't want to talk to us about just anything....He replied "well you never know! What if they DID?
Wow...what if people Did want to talk with me on the phone and DID want to use me to help them!! What a refreshing way to approach it!!
The clarity and lack of fear that kids have!! Isn't it great!!
Thanks Ryan!!
Regards,
Richard
Everyone is shopping for a deal...I am no different. The fact that the majority of the deals are in Short Sales and in REO's can not be overlooked.The banks unlike many sellers want to get their properties sold Quickly!
The banks for the most part reduce the price automatically every 30-45 days if they don't have an offer...Sellers can learn from this....Sellers can also as learn from the banks that price right in the beginning and get multiple offers!!
Here are some greater Redding area REO's to check out.
Where are the deals??? IN the REO's and Short Sales is the answer!
Regards
Richard
The Senate recently passed a bill that out laws the up front fees that many attorney's and real estate people and companies have charged.
Now similar to Realtor's the client pays ONLY if there is a successful result! This is the way it has always been for real estate agents and Realtor's...no sale....no pay....now it's the same for Loan Modification.
This is a good thing.It's good because too many people hired companies off the Internet to do their loan mods and they didn't get done!! They still had to pay and got nothing for their money!
I had some clients that paid upwards of $3,000 to have a loan mod done...I begged them to do a short sale and they refused....There comes a time in the process where as a homeowner that has stopped making payments you have to go left or right at that fork in the road....if you go left and spend time on a loan mod and it doesn't work then your home may indeed go back to the bank.
It's hard to decide no doubt because many people truly want to stay in their family homes...I can relate to this...but also if and when the time comes and you are not getting anywhere at least consider a short sale...yes you have to let the home go back but it is much better than a foreclosure on your record.
With a Fannie Mae loan backed product they say you can own again in TWO years if you do a short sale...VS. 7 years if you let it go to foreclosure....it's a big difference....even if you don' t think it is right now in this moment...you may in the future Wish you had done a short sale!
To getting the job done...to getting paid after the job is done!
Regards,
Richard
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Providing professional real estate services for the greater Redding California,Palo Cedro, Millville,and Bella Vista area's of far Northern California. Making the process of purchasing fun again!
25 years in Shasta County. I offer personalized one on one real estate services.Work directly with a Broker. As an ECO/e-PRO Broker Richard Goates is one of only a few e-PRO Brokers in our area trained to assist you and communicate with you via the internet. A quick effeicient response is what you can expect when working with one of the area's best Brokers! Local area knowledge. Product knowledge to find you what you want fast! I know the area. I know the best values and deals! I know the good areas from the average areas. Resale is important so don't forget that when purchasing a home!
I specialize in the Redding,Palo Cedro,Bella Vista and Millville area's of Shasta County California.I can help you with land,residential and commercial properties.No body knows the area better.25 years in Shasta County with the knowledge and enthusiasm to get the job done! I work with several developers and contractors that do Redding area development projects.Whether you are looking for a single family home or you are a developer looking to do a project in Redding or the surrounding area one call can take care of it all! Now with my ECO Broker Designation I can help you understand the environmental effects that pertain to real estate in our area of Shasta County in Northern California.
Rick was there every step of the way!
We watched Rick in action when he sold our home six months ago. He was the buyer’s agent. When it was time for us to buy another home, we knew who our Realtor would be ~ RICK GOATES!
Rick was there for us every step of the way. He is very dependable,
reliable and attentive. From helping us find a rental home to the closing
of our new home, he made sure everything was in place. He listened to what
we were looking for, and always watched out for our best interest. Rick
found us the house we were dreaming of. We are so happy in our new home.
Thank you, Rick.
When you’re ready to buy or sell a home call Rick Goates. You’ll be glad
you did!
Mr. Rich and Janine B.
He listened to our needs
Rick took great care of us. He listened to our needs and showed us enough homes so that we felt we were not missing any. He negotiated an excellent deal for us and made the whole process go smoothly. We highly recommend him!
"M/M Jose O."
Rick Goates is an Enigma
Rick Goates is an enigma - in a world of declining ethics and easily broken promises, Rick shines by being everything he claims to be and seeing through to completion everything he commits to. Then he goes a mile, two, and even
farther, to make sure his clients are happy and genuinely satisfied with his service. Gosh, what a rarity! How could someone with such integrity help but become not only our valued real estate agent but our treasured friend as well! Shucks, we like him and his beautiful family so well, we bought a house in the same neighborhood! (Well, it just happened to work out that way
really, but, heck, we moved in already knowing we had at least one GREAT neighbor! :-)
Thanks, Rick, for the superior service helping us find the "perfect" home, for your continued friendship, and for trusting us enough to mention that there was a house available on the same street as yours (sounds like a potential setup for a realtor's worst nightmare! - but we'll never give you cause to lose sleep over it...we promise ;-) ).
With fond regards, Robert & Sheree Christian
Excellent service
You can absolutely feel confident in the quality of your work and service to clients.
Erica P.
He got it done
We hired Rick to sell our land and he did an excellent job. It was really a tough transaction and took longer that it was supposed to because the buyers switched lenders. Rick followed thru and got it to close. We are very thankful and recommend him to anyone!
David and Chris C.
He made it so easy!
We were first time home sellers and had lot's of questions. Rick helped us through the whole thing and kept in contact with us. He kept us informed on what was happening and followed up. We would recommend him to anyone looking for a home in Shasta County
Sam and Alice P.
Rick did a wonderful job for us!
Rick did a wonderful job for us. We found a beautiful horse property and the deal would not have closed without Rick's extra effort and attention to the details. Thanks Rick!
Richard & Joyce S.
Rick made it easy!
Rick found us the perfect house for our needs, and in our price range. He also put us in touch with some good people who helped our transaction go smoothly and quickly. We relocated back to Redding, from Merced. Rick was MORE than helpful at both ends. We are extremely satisfied with his way of doing business, and recommend him highly to everyone looking to buy or sell. We owe him a lot. He made, what could have been quite difficult, very easy. If we didn't call him, he called us. It didn't matter when or where he was, even boarding a business flight out of town, Rich took the time to call us and make sure we were doing alright. Don't bother looking for anyone else, we promise you Rick is more than qualified, and goes out of his way to do the best he can for your needs. THANK YOU RICK!
Your friends, Butch and Tish T.
The Results Realtor
He did exactly what he said he was going to do!
Mr. and Mrs. Quindy
We couldn't have done it without him!
After 6 months of trying to sell our home ourselves we were getting very disappointed when we came across Rick. We were hesitant about Realtor's but Rick sounded different. He sure was, he wasn't high pressure and did exactly what he said he would do! He got it sold right away and allowed us to move on.
Becky T.
Working harder
Rick took the time to show us what we wanted when we needed to see it...That is priceless...He worked around our busy schedules.
Mr & Mrs Robertson
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