BUYERS!
We have a common goal: Making you a homeowner. Let's make it happen!
Ensuring you exceptional service at every step of your home buying process.
 

• Search listings from the convenience of your home.
• Be the first to get new listings that match your criteria.
• Get real estate market watch updates for listings in your area.
• "For Buyers" - Your source for the latest tips, checklists and free reports.
• Personal Consultation - Vast experience and knowledge you can rely on.
• Financial advice - Loans, Mortgages, interest and tax benefits.
• Community information and Utilities.

Find knowledgeable agents who know how to get the job done, get a good deal and are responsive to all your real estate needs. Providing you prompt service, personal guidance and professional competence from contract to settlement.

SELLERS!
Allow us to list your home for a quick sale. As real estate specialists, we know what it takes to sell your home. We bring expert knowledge, valuable experience blended with the latest technology, a well-defined marketing plan, a cohesive network, energy, enthusiasm and the excitement of a job well done.

 

• Detailed Home Evaluation Report and advice on the best price to list your home.
• Vast exposure to your listing.
• Virtual tours to distinguish your listing.
• "For Sellers" - Your source for the latest tips, checklists and free reports.
• Personal Consultation - Vast experience and knowledge you can rely on.
• Relocating - Everything you need to know about the neighborhood and transferring utilities.

If you are planning to place your home on the market, browse our website for valuable information on preparing your home for sale, pricing your home right, marketing it effectively and the home inspection processes.

We are passionate about our job, love our neighborhood and keep up with the latest trends and strategies so that we can pass them on to our clients.

WHAT IS A SHORT SALE?
A short sale is a “sales transaction in which the seller’s mortgage lender agrees to accept a payoff of less than the balance due on the loan,” according to the California National Association of Realtors. A short sale may or may not involve a property in foreclosure.
For example,
--Home is worth $100,000
--Mortgage is $110,000
--It is listed and sold for $100,000
--After all fees including commission, $92,000 is left to satisfy the mortgage
--Servicer/Bank discounts Mortgage $18,000

Why would a lender accept a Short Sale?
A Short Sale is a form of loss mitigation, the lender (investor) is presented with a choice between a smaller loss by Short Sale or a larger loss through foreclosure, so accepting the Short Sale “mitigates the loss.”


Advantages of a Short Sale The advantage of a Short Sale compared to a foreclosure is that you avoid having a “debt discharged due to foreclosure” on your credit file which can reduce your credit score by over 250 points and keep you from qualifying for a home loan for up to 5 years. With a Short Sale you can qualify for a home loan in just 24 months. Also if a Short Sale is negotiated properly with your lender you can avoid a possible deficiency judgment.


Short Sale works--You just need someone very familiar with the process of specific lenders. Your agent can assist you with a comprehensive letter explaining why you are requesting a short sale. Your agent can assist you with compiling all the necessary documents needed to complete your request to the lender. You want to go in to a settlement knowing exactly all the terms and conditions on which the lender will accept the short sale, including whether or not you will have to come up with money at the settlement table. You are in financial trouble. If you have already missed some payments, your lender may already have reported this information to the credit reporting companies. You should try to convince the lender not to report any more delinquencies, but unfortunately, that’s in your lender’s sole discretion. The short sale process works , but is complicated, time consuming, and uncertain. If you can start now before you are actually in default you will be ahead of the game.

Contact Cristi & Ron for a FREE-no obligation consultation to see if Short Sale is right for you and to check when is the next scheduled Short Sale seminar