Quotes:
It's hard to lead a cavalry charge if you think you look funny on a horse. - Adelai Stevenson
"All adventures, especially into new territory, are scary." - Sally Ride, first woman astronaut
"What's the difference between patience and impatience? It's the way you wait." - my brother Bill
DIRECT ACCESS TO OUR REALTOR'S MLS DATA BASE
MLS DATA AND NEW MAPPING FEATURE
DISTRESSED HOMES FOR SALE
Realtor.com
Cyberhomes.com - received the National Association of Realtors 2009 Best Website Award
Please find more informational links just below the top banner.
BUYERS .... could you be eligible for any of these programs?
CALHFA
Los Angeles City/County Affordable Housing Programs
CALIFORNIA PROGRAM RESOURCES
STATE OF CALIFORNIA PROGRAMS
FEDERAL PROGRAMS
GOOD NEIGHBOR NEXT DOOR PROGRAM
BUYER RESOURCESUPDATED ELIGIBILITY FOR VA FINANCING
Were you aware that VA and FHA guidelines are very relaxed today? Why do you hear so many negative stories? Because each lending institution creates additional qualification layers that you must meet and they are not all the same. Do you know who to call? It's my job to know.
FHA FINANCING - FHA financing can be obtained through most lending institutions today. FHA is simply government insured, is easier to qualify for, and allows for only a 3 1/2% down payment. FHA was created by FDR's administration in the 1930's as a method of offering very favorable terms to American's desiring their own home and it's still very effective today! The new homeowner pays MMI (mortgage insurance) to add security to what would otherwise be considered a risky loan by Lenders. Buyer's pay 1% of the FHA loan amount as part of their closing costs and will finance another 1.75% over the loan as a monthly premium - a small price to pay.FHA has recently announced, several dramatic changes that will impact how lenders may implement this type of financing, including new appraisal restrictions. How can you best protect yourself in this rapidly changing financial climate? It's my job to know.
Do you, as a consumer, need professional assistance when purchasing or selling real estate? That's your decision. Even Google has a button called feeling lucky. As a Realtor with over 30 years of local sales under my belt, I don't know everything. I've learned to investigate the things that I don't know, confirm the things that I do know and to consult with those with special knowledge and more experience. The days of "business as usual" are gone. We are on a whole new playing field. I must adapt to the ways things really are and constantly work on shedding the "old" ideas. What makes me good at my job? I have to work! That's right; I am an American dream; self supporting, paying my bills, sometimes I eat organic food and often good for a laugh. The real estate business can be pretty funny. Have you ever seen a faux leopard wall-to-wall carpet?
SELLERS
Anyone with a television is aware that there are a lot of scammers out here, victimizing vulnerable homeowners with promises of relief. Some are quite sophisticated and some even have credentials. Very recently, six California state licensed attorneys were named as pocketing fees for loan modifications, while doing nothing further to assist the distressed homeowner. Investigate, ask, verify, utilize your government agencies - only you can protect yourself. As a long term RE licensee with an unblemished track record; I am happy to answer any questions that you have regarding your specific circumstances. I'm certainly not perfect; I respect my job and I am careful. Help is on the way. Who can you trust? This is an excellent place to start:HUD ENDORCED HELP FOR DISTRESSED HOMEOWNERS
FANNIE MAE DEED FOR LEASE PROGRAMCENTURY 21 ANSWERS YOUR QUESTIONS
PREPARING YOUR HOME FOR SALE
Serving many local communities, such as Alhambra * Altadena * Angelino Heights * Boyle Heights * City Terrace * Cypress Park * Eagle Rock * East LA * Echo Park * El Sereno * Elysian Valley * Glassell Park * Happy Valley * Highland Heights * Highland Park * Lincoln Heights * Montecito Heights * Mount Angelus * Mt Washington * Pasadena * Sagamore Park * San Pascual Valley * Silverlake *Sunland * Tujunga * University Hills
Los Angeles is a big town. Our Buyers come from around the corner, the world and the country. Our Sellers relocate everywhere, even Pomona (but they never come back.) Just like you, I frequent many neighborhoods and don't live in terror of driving 10 miles down a freeway. I'll probably go where you want to buy or sell; I personally invite you to call me now.
FINANCING TODAYThere are so many changes happening on the real estate financing homefront. Washington has opened a tsunami of stimulus programs, Lenders are scrambling to implement them, new rules, relaxing this, tightening that, now you may even buy a home using FHA's Reverse Mortgages! None of us are expert today because it's new, new, new.HOME OWNERSHIP TODAY - Two years ago, 14% of Californians had the financial ability to purchase a home. Today, that figure is 67%! (CA Association of Realtors) I believe that every American deserves to own their own home. It gives us a vested interest in our communities, a full stake in our economy, security for our diverse families, and culminates in a financial nestegg for our later years. What are you waiting for? I'd be glad to sit down with you and discuss what may be possible for you in this golden time of opportunity for Southern Californians. INVESTMENT PROPERTY If you are interested in investing in income property this year, with-in the city boundaries, this is the most recent information regarding local law for 2010.
LOS ANGELES RENT STABILIZATION
Before you go, I'd like you to know that I've had my flu shots including the pig flu, and I'm sniffling because I am allergic to something that grows right now. I do hope that we may meet someday soon, and I'll have the chance to hand you the keys to your next home! And thank you, for stopping by.
- Susan Dion
