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A Ray of Hope
www.SierraLiving.info
mood: energized
As the sun peaks it's rays through the clouds above me, I am energized to tackle this new year. Maybe this happens to most people every new year but for me this is especially welcome. You see, last year was extremely diffucult for many people. Being in this industry, we've seen our share of dreams shattered, homes returned, and hope lost. Why after that do I have the strength to be energized about 2010? Maybe because it's just begun. It may be because I'm hopeful to see some great things. Or, it may be because when things turn bad, there is always a ray of light to look forward to. This storm may not be over for many but I've learned a lot of useful information to help those I can. The opportunites are endless for buyers and investors. In my career, the time has never been more right to buy. Interest rates are at record lows, inventory is rich, and the incentives to buy are wonderful. This year will see great things return to our area if we all work hard, pull together, and have hope. May you have a blessed 2010.
Is there really help out there?
www.SierraLiving.info
Current Mood: Educated
I've just returned from a foreclosure and short sale seminar in Pleasanton, CA. What a day filled with knowledge and information. We've ventured through this housing downturn together. Most of us have never seen something so severe before. People want to know "is there help out there"? Well, give me a call and we'll discuss your situation in private and with the dignity you deserve. Are you worried about making your next house payment? I may be able to help. I have the information you need to help make an informed decision. Call me today or visit www.HUD.gov. There are programs out there designed to help qualified homeowners keep their homes. It may not be easy but it's worth the effort. Let me help, call me today (209) 743-4226.
What is a Short Sale?
www.SierraLiving.info
current mood: Determined
A short sale is the process by which a homeowner can sell a house for less money than actually owed on the mortgage(s).
There are alternatives to bankruptcy or foreclosure proceedings for homeowners/borrowers who can no longer afford to keep mortgage payments current. One of those options is called a "short sale." Sometimes, to avoid going through the costs of foreclosure, a lender will sanction a short sale by allowing a homeowner to sell (allowing a buyer to purchase) the home for less than the mortgage while the home is in pre-foreclosure stage. For complete details please contact me at (209) 743-4226. You may email me at Danelle@SierraLiving.info.
What’s Going On Here?
www.SierraLiving.info
Current mood: blessed
First off, this won't be my typical real estate article. Bear with me, I'll get to those later. Email me your thoughts on this or any other article at Danelle@SierraLiving.info.
As I look back and reflect upon this past year the first thing I realize is that it has gone by so so fast. Faster than one of the exotic cars my oldest son knows so much about. Faster than the running back scored touch downs on my other son's football team. "Poof", it's finished!
Now for the part that really gets me. I've crossed over into uncharted territory. I have a teenager! One of my boys has officially grown taller than me, two of them now wear larger shoes than me, and all three think they know more than me. (I'm in trouble!) Those of you who have trudged through these waters before me know just what I'm talking about. Those of you who haven't arrived here yet, believe it, it will really happen. I remember a teacher telling me all about this day not too long ago but not thinking it would actually ever happen to me.
Where do we go from here? I am so thankful for this experience I've been so fortunate to live through up until this point. I really look forward to what ever this adventure brings my way. I look back at clients and friends who have become ill this past year or lost their life threatening battles and I realize tomorrow is not a promise we are guaranteed. If we are honest with ourselves, there is nothing worth worrying about. It doesn't matter if we have the nicest home in the county or a small cottage. We have a place to lay our heads and focus on what really matters - each other.
I hope the end of this year finds you all doing wonderfully. I truly hope you haven't been affected negatively by the housing market, lending or the cost of living imbalance that has been going on. There is a lot we are facing as a nation, a state and a local community. We have our young soldiers away from home, elections to think about, ravenous fires and oil prices gone wild. I truly wish you all the best in the coming year. I hope you are prosperous and successful in all you set out to accomplish. Above all regardless of what the year brings I pray you take time to hug the family you've been blessed with. Make a call to a long lost friend. Visit that aunt or uncle you've neglected to see. No matter what happens it's those things that will see us through. The love we have for each other is the most important thing we can ever give or be given.
I wish you a truly blessed Christmas.
Credit Disaster
What A Mess!
Credit Disaster
By Danelle Rodgers
I remember being a teenager & my father telling me "good credit is everything". "You have to reconcile your check book", he would say. "Make sure you're not overdrawn". At that point in my life that was the only credit I had.
"Yea, yea, yea" would be my standard reply. Now that I'm older (I just had a birthday last month but I'm not admitting to anything over 29) I realize the importance of his words. Wow, how they ring in my ears as I venture through this career in the real estate industry.
Good credit, bad credit, or somewhere in between it really makes a difference. It is amazing to me how missing a payment can affect my buyer's credit rating enough to cost them money in interest rates for home loans. There just isn't enough training out there to teach our young adults how to manage their money, save, and live within their means. I've been guilty of it at times also. Living a little too close to the edge and taking risks can prove profitable or fatal.
If I can counsel any of my buyers I'd mimick my dad's words "good credit is everything". Live within your means and try to not get overextended. I know it's tough but when you sit down with me and try to buy a home it will pay off.
Home Staging - Needed or Hype?
What's the truth?
By Danelle Rodgers
I've had a lot of people ask me lately if home staging is necessary when selling their homes. Some people think it is an unnecessary expense and others swear by it's usefulness.
Well, here's my take on the matter. Home staging is a vital part of selling a property in today's market. I'm not just talking about placing a "hodge podge" of furniture throughout your home but true staging. When a client walks through either a vacant home or one that a family is living in their "vision" is skewed by their surroundings or lack there of. When we come in and stage a property to sell it looks like a show piece when we leave. Even the slightest negative factors are less "blazing" when the overall atmosphere has been set by staging.
Are you in the market to sell? Give me a call and I'd be happy to give you some valuable feedback on ways to make your property appeal to more buyers. In this market we need all the help we can get.
Sierra Living
Current mood: calm
There is a new website for all local real estate needs. Visit www.sierraliving.info to see all listings in Tuolumne County. Also sign up for free reports and informaton on the area. You can sign up for automatic emails to receive listings that meet your criteria. Also email me at danelle@sierraliving.info to sign up for my "Danelle's Hot Buys". This is a weekly email report that I custom generate with listings that are priced to move. Check it out today!
WHY YOU NEED AN AGENT WHEN BUILDING A HOME
Cost to You
Nothing! Any compensation given to REALTOR is recognized by the builder as a marketing fee and has no impact on the final cost of the home. Builders desire, expect and encourage REALTOR participation.
Savings to You
Are you getting what you're entitled to have ... both in quality and value? Your experienced agent knows what you should receive and what "extras" might be available.
Resale...Appreciation & Profit
Give your investment the best opportunity for appreciation at resale. Questions concerning site location, builder, design and decor are important. Your agent knows you are building not only for today ... but for tomorrow.
You Are Represented
With your real estate agent, YOU are represented! Your agent's experience, knowledge, and reputation represents strength and leverage on your behalf. | |
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