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Why You Should Purchase Your Next Home in Hemet, California - Sep 07 06:06 PM
This is a contest entry to the The Active Rain Buyer Challenge
Dear David,
    Thank you for contacting me about your interest in relocating to the Hemet - San Jacinto Valley. I am certain that you will find that you have made the right choice. As an area resident for over 20 years, I can provide the information and tools you will need to make an informed decision about purchasing local real estate. With so much to consider, you may ...

How to write a "lowball" offer without upsetting the homeowner.... - Jul 23 06:02 PM
Hello everyone.
 I'm fairly new to activerain and am just getting my feet wet and I figured.....there's no better way than just diving in headfirst with a blog. My topic is: How NOT to piss off homeowners when you write them a "lowball" offer.
About 70% of my business is from working with Buyers.  I really enjoy it. I love to drive clients around. I love to look at homes...I could do it all day. I love to take clients out ...

Real Estate Agents working together.....a success Story :) - May 09 08:52 AM
How many times have we wanted a sale to go through only to lose it for some small reason, or because the Agents couldn't work together.  I know Real Estate Sales are just that....sales, but aren't they also about negotiating?
Sale #1 - I closed today on contract that was only supposed to be 7 days....it was about 21.  I had both clients, so I can't even say that it was issues with another Agent. It would be ...

My Favorite Hangout is Palm Springs Koffi - Aug 01 07:22 PM

Do you remember the theme song for the TV show "Cheers"? 
The song went something like this:  "Sometimes you want to go where everybody knows your name."  Now don't laugh, I never was a good singer!!   If you don't remember the song, you were probably born after 1983 and don't get the TV Land channel in your area.  As my friends will tell you, I have got a mind for useless TV & movie trivia.     Anyhow, that ...

Day In The Temecula Wine Country - Oct 05 08:23 PM
One of the things I love about having company is that you get to see things and go places you normally wouldn't. After enjoying a delicious lunch at Sushi House I took our friend Paula from Palm Beach to see the Temecula Wine Country.
Our first stop was at Keyways Winery. The tasting room is lovely. The new owners have done extensive remodeling. We tasted a few wines, enjoyed their port the most of and continued on our ...

Be Careful When Showing Vacant Property!!!! - Jul 03 07:00 PM
 All of us at times get lax when it comes to our personal safety when we go about our busy days and those of us in the Real Estate Business are no different than anyone else and at times we take things for granted as after all it's just another day but we can never ignore to do the things necessary to insure our safety.
 Today an agent in my office went to show a vacant property that ...

Palm Springs Modern - Nov 06 08:47 AM
 
If you stumbled into town these days without having read or heard about the resurgence of Modernism as an architectural and interior trend, you might think Palm Springs had fashioned itself as a sort-of theme park. Along the line of say ... Leavenworth, Washington or other Bavarian-themed towns, only with a twist.
Of course the village area remains mostly Spanish-Mediterranean in flavor, but nearly every residential neighborhood has dozens, even hundreds, of spectacular examples of the clean and stark ...

Things to do in Hemet: How to Breast-feed, drive stick-shift, put on makeup and drink coffee at the same time - Sep 27 01:32 AM
There were times when I would talk to my mom while she was busy doing other things. I would ask her to stop and to listen to me, and this was a common response: "Honey, I can listen to you and do these other things.  I'm a mom.  I used to breast-feed you, drive stick shift, drink coffee and put on my makeup all at the same time."
Were traffic laws loose in the 1970s, or what!?!
The pace in Hemet ...

What a Difference a day makes in Real Estate - Jan 07 11:50 PM
Today started just like the past few days, expect the rain had stopped.  They say it never rains in Southern California, but it does, and it did.  Today though, the storm has passed......moving on over to Arizona.
 
Today in Banning, California the sun was shining, and the Mountains were full of snow....a nice day.  It got even nicer as the day went on.
 
 A friend called and asked if I wanted a referral, but I had to meet her right ...

The TOP 5 (The Best!) Things To See and Do In The Temecula Valley - Jun 26 07:53 PM

 
Let me start by saying I love the concept of this contest. I'm passionate about where I live and I love to share my favorite things.
1) The Temecula Valley Balloon & Wine Festival - This month was the festival's 25th anniversary. Each year the crowds get bigger and it's no small wonder why. Picture dozens of hot air balloons launching into the dawn sky near picturesque Lake Skinner. Imagine strolling the vast grounds, sampling ...

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Riverside County Market Reports

Will FHA Loan Costs Increase Because of Foreclosures? - Feb 08 11:49 AM
The President's 2009 fiscal budget would require the Federal Housing Administration to raise its mortgage insurance premiums. The annual premium would raise from .50% to .52%, and the upfront premium would raise from 1.5% to 1.95%.
For example, on a $200,000 FHA loan, the annual fee would increase from $83 to $87 per month. The upfront mortgage insurance premium, which is financed (added to the loan balance) would increase from $3000 to $3960. The total effect on your house ...

Mortgage Deception: "Fed Slashes Interest Rate by a Half-Point! Refi & Save!" - Sep 25 04:46 PM
There's a mortgage company advertising online with this deceptive headline: "Fed Slashes Interest Rate by a Half-Point!  Refi & Save Today!"
How is this deceptive? What this mortgage company isn't telling you: the Federal Reserve Board doesn't control mortgage rates at all...it regulates the short-term interest rate that banks use to lend money to each other overnight. In fact, when the Fed acts to change the overnight rate, the effects are unknown until six months to a year later.
Since ...

FHA Loan Limits Increase - HUD Releases Median Home Prices for Riverside County, California - Mar 05 05:01 PM
FHA Loan Limits Increase - HUD Releases Median Home Prices for Riverside County, California 
The Department of Housing and Urban Development released median home prices for Riverside County, California.
The median price of a single family residence in Riverside County, California (including Hemet, San Jacinto, Murietta, Temecula, Idyllwild, Banning and the surrounding areas) is now $400,000.
That would make the new FHA, Fannie Mae and Freddie Mac loan limit $500,000 (125% of the median home price). This is part of the ...

Where Have All the REALTORS® Gone? - Jan 04 11:50 PM
Where Have All the REALTORS® Gone?by John Occhi, Hemet REALTOR®
I stopped by my local Realtor Association off ice this morning, paid my monthly MLS dues and had to cut loose with over $300 for my 2007 National and California Association dues.
Personally, I enjoyed the experience.  It made me feel good to be a REALTOR.
While I was there, another agent came in - except she was turning in her credentials and lock box key.  We didn't talk, ...

The Great Real Estate Crash of 2007 - Dec 07 12:51 AM
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New Mortgage Loan Limits: When and How Much? - Feb 15 12:04 PM
On Wednesday the President signed the economic stimulus bill that I wrote about in No Mo' Jumbo? Higher Mortgage Loan Limits from Congress to President. So when do these changes take place? And what will the new home loan limits be?
When? The new loan limits legally became effective when the bill was signed, however the stimulus package gives HUD (Housing and Urban Development) 30 days to publish updated median house prices. HUD intends to publish these within the ...

What's up with Short Sales? - Apr 20 03:47 PM
There are so many aspects of short sales that as a professional I take for granted.  A lot of buyers and seller's have questions about them, so I have decided to go over just a few things about short sales that you may or may not know. 
A seller must typically have stopped making payments on the loan.  Many times a bank will not even talk to a seller unless they have stopped making payments.  This ...

Homes Sales in Palm Springs Up for the Month of December- A Palm Springs Homes Sales Report for Dec. 2007 - Jan 04 08:39 PM

Happy New Year to one and all!!!  I just got back a couple of days ago from my vacation to Buenos Aires, so I have not been up to date on my blogging activities.  I had the best of intentions to do some blogging but hey, I'm was on vacation!!!
The month of December in Palm Springs was filled with lots of merriment and holiday cheer.  There were so many more parties this year, that I had ...

Fannie Mae: Market To The Consumer As They Are The Market!!!! - May 09 08:31 PM
 Fannie Mae has recently sent out a directive to the Real Estate Brokers that list and sell the foreclosed properties in California currently held in Fannie Mae's portfolio informing us they are now raising the commission they will pay to Brokers who are representing buyers of their properties a full 1% of current levels.
 It appears that Fannie Mae is anticipating taking in a large number of foreclosures in the near future and they want to sell ...

Home Equity Line Yanked? - Mar 04 10:45 PM
I've been reading and hearing about how the home equity lines are being taken away from consumers.  I understand the reason the banks are doing this - basically the banks are going bankrupt. That is horrible news for a lot of people though.  For some, its a line of credit that they rely on.  Many Realtors keep their HELOC for the leaner months. 
I'm interested to know first hand stories of people who may have had this happen ...

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Riverside County News & Events

Mortgage Fraud: You got away with it...or DID you? - Oct 01 01:21 AM
Recently, mortgage fraud is a hot topic on the Active Rain social network. Before the real estate bubble popped, it seemed that along with the rapid appreciation in the value of homes in Riverside County there was a depreciation in ethics. Suddenly things that seemed a matter of right and wrong became grey when you ...or did they?
Let the Hemet Home Loan Guy share a little about mortgage fraud from the perspective of a loan officer...but if you haven't read either of these ...

Things to do in Hemet: Now Playing at the Movie Theater in Hemet - Sep 07 12:03 AM
What's playing at the movie theaters in Hemet this weekend, plus what to see and what to avoid.
But first...my wife and I have decided to post a photo of the marquis at the Regal in Hemet.  Sometimes it's funny and sometimes is just sad.  Is it that they can't afford the magnetic letters they need?  Or can't afford to hire people who can spell?  It drives us bonkers, so we're going to post it each week as our little protest!
"What do ...

Virtual Open House....A Real Estate Win-Win for Everyone including clients....:) Updated 4/6/08 - Apr 04 02:17 AM
Ahh, what is on everyones mind....the client. Guard them, protect them, treat them right so they will eventually either buy or sell a home with you.  Isn't that what Real Estate is all about?  We help people get into or out of a home, and get paid for knowing the in's and out's of the Profession.  So if this is the case why would you want to tell your clients about my Virtual Open House?
Misty Lackie  CEO  ...

SAFETY TIPS To and From School - Nov 27 12:23 PM
In light of the situation at Precious Blood School, it is important to stress to our children the importance of child safety.
Please share the following tips with all children you know:
SAFETY TIPS To and From School: It is important that you speak with your child about safety precautions they need to take when walking to or from school or bus stop. The following are ideas for you to discuss with your child:
•     Always travel in pairs ...

UP THE DOWN STAIRCASE - May 22 01:53 AM
  I know as I sit here writing this I won't get any comments.  Oh that's not a negative statement.  It's just the plain truth.  No one wants to say, "Hay, I'm not successful."  One of the first things you learn in sales is to lie.  Sorry about that, but it is true.  We are taught never to say that we aren't successful.  And, there are times it's just a plain out lie. But we are ...

When Bad Loans Happen to Good People - A Letter - Sep 14 09:53 PM
Today I got a letter unlike any other I've received. It's not uncommon in my business as a mortgage loan expert, to get letters from my clients.  I encourage other real estate professionals to collect them.  But the letter I got today was from somebody who chose not to refinance their home with me...and I wanted to share the letter.
Dear Joey Aszterbaum,
Two years ago I applied with you to refinance my home in San Jacinto.  Your ...

Back to the Basics: Buyers Checklist – Presenting the Offer - Sep 03 10:53 AM
Back to the Basics: Buyers Checklist - Presenting the Offerby John Occhi, Hemet CA REALTORMission Grove Realty                                 FOR MORE ARTICLES FROM THE "BACK TO THE BASICS" SERIES, CLICK HERE
                                                                                                         
The "Back to the Basics" series of article is my attempt at reeducating myself as I look back to the information that I have forgotten over the years of real estate.  The last several articles have dealt with representing a buyer and what goes into an ...

We Are Not The Only Victims - Pets Suffer, Too - Apr 24 01:04 PM
Ben Stein talked about it this past Sunday on CBS Sunday Morning. The Press Enterprise talked about it, too:

Shelters filling up with four-legged victims of foreclosures
As if that weren't bad enough, Animal Friends of The Valleys suffered a tragedy February 28th when a trailer with 24 puppies/dogs and 15 cats burned killing all 39 animals.
This Sunday April 27th a fund-raiser will be held at the Lake Elsinore Storm's Diamond Club. Although a new shelter is ...

Moon Over My Hemet - Clouds Prevent Lunar Eclipse Watching in Hemet - Feb 20 08:15 PM
Bummer! Cloudy weather in the Hemet-San Jacinto Valley is preventing a good view of tonight's lunar eclipse.
This is the third time in the least year that there has been a total lunar eclipse, when the moon passes through the shadow of planet Earth.
Nearly everyone in North America and Western Europe will have a great view of tonights eclipse...that is, unless clouds get in the way!
This would have been a very unique eclipse, forming a triangle with ...

Mortgage Insurance Madness! - Apr 27 03:03 AM
There was a time when, to buy a home, you had to have 20% down. Then came along mortgage insurance.
Mortgage insurance allows mortgage lenders to recover their losses if there is a foreclosure. So it allows them to give you a home loan with less than 20% down.
            .......................UNTIL NOW...................
Everyone knows that the rules have been changing fast. Since the 'subprime mortgage crises' those changes have been when the largest mortgage investors, Freddie Mac and Fannie Mae, tighten up ...

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Riverside County Listings

24 acres Horse Property in Sky Valley with Commercial Frontage on Dillon Ave - Jun 30 08:45 AM
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5 Ac Vacant Land Desert Hot Springs Industrial- Reduced to $275,000 - Jun 30 08:38 AM
Desert Hot Springs Vacant Land

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Landau Manor 4 bed, 3 bath SFR, corner lot, unobstructed Mountain Views - Jun 29 12:03 PM
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11930 RUDBECKIA CIRCLE, MORENO VALLEY, CA 92557 / $205,000-$195,000 - Jun 25 09:35 PM


11930 Rudbeckia Circle, Moreno Valley, CA   92557 / $205,000-$195,00
*****This Is A Short Sale ***** Price Has Ben Reduced For The Seller To Sale. This property is ready to be sold! Property Is Sufficient For A New Family Or A Family Wanting To Upgrade. 
                                  
•·        Bedrooms: 3, Bathrooms: 3, Year Built: 1989 Square Footage: 1420 Price: $205,000-$195,000
•·        www.buyandsaleyourhouse.com
For More Information, Please Call (909) 641-6008 or e-mail at jamesmuhammad1@aol.com
I look forward to ...

21345 LILIUM COURT, MORENO VALLEY, CA 92557 / $205,000-$195,000 - Jun 25 03:33 PM

                                             21345 Lilium Court, Moreno Valley, CA  92557 / $205,000-$195,000
*****This Is A Short Sale ***** Price Has Ben Reduced For The Seller To Sale.  Seller Is Moving and Doesn't Just Want To Walk Away.  *****This Wonderful Home Is In A Quite  Community Located East Of The 60 Freeway / Easy Access To The 60 And 215 Freeway / Close To New Shopping Center***** *****Deck From Master Bedroom***** Property Is Turn-Key Condition And Ready Too ...

Corona Open House Saturday June 21st, 2pm-6pm - Jun 20 06:37 PM
Stunning 3 Bedroom Corona Home for Sale! Open House Saturday June 21st, 2pm - 6pm!Location: Corona, CaThis single story 3 bedroom 2 bath home is on a quiet, tree lined street near the historical district, and has been recently remodeled. Amenities include 20" Italian ceramic tile, newer carpet, custom paint, vinyl windows, newer roof, updated kitchen with Granite counters, newer heating and air, copper plumbing, tumbled stone shower and so much more! The pool sized back ...

Extremely Large Corona Home. Great Price Will not Last!! MUST SEE!!! - Jun 17 04:30 PM
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ABSOLUTE PERFECTION!!! - Jun 17 03:24 PM
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An absolute "10"!! - Jun 17 03:15 PM
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Located on the desirable north side - Jun 16 02:06 PM
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