Mother & Daughter Blog

The term Cash for Keys is not new.  Over the last 2 couple of years, we have seen a great deal of cash for keys offered to occupants that still living in the foreclosed properties.  This offer is in lieu of eviction. "Cash for keys" may be one situation where it is a win-win situation for both the mortgage lenders and the homeowners.

Advantage of the Cash for Keys program: 

• Homeowners get money to help the relocate
• Incentive for homeowner to get out of to get out of their homes quickly with minimal repercussion
• Incentive to bank/mortgage holders to be a part of the FAP program

Now with the FAP (Foreclosure Alternative Program), Cash for Keys is an incentive for homeowners that are in the position of:

• Not being able to qualify for a loan modification
• Not being able to do a Short Sale
• Bank offering them Deed in lieu of foreclosure * please note: there are situations where the bank will not give the cash for keys offer to the homeowner, but will still offer the deed in lieu of.

How does it work?  The "cash for keys" program is technically known as a deed-in-lieu which allows the bank to take a property back from a delinquent homeowner who can no longer afford to make their house payment. To take advantage of the Foreclosure Alternative Program, the home owner must not qualify for a mortgage modification or a short sale.

The "Target" homeowners:

• who are unemployed
• upside down on their home values
• or going through a critical event such as divorce, death, future job loss, etc.

How can a Homeowner get Cash for Keys?   First the homeowner has to denied the loan modification and Short Sale due to the fact that they are not qualified for either.  The bank will then offer the homeowner the deed-in-lieu program.  The bank pays the homeowner an incentive (usually $1,000 to $5,000)to move out of the home on a specific date and leave the home in good condition. In doing so, the bank agrees not to charge the homeowner back for the difference in what it eventually sells for and what they owe.

Are there any glitches in this option?  Yes.  A second mortgage or other debt on the home can cause a lender not to offer "cash for keys". The owner of the second mortgage or debt must agree to give up all their interest in the property. Under the Federal Alternative Program, the second mortgage holder may also receive up to $1,000 when they waive their rights.

WEBSITE: http://www.motheranddaughterrealtyteam.com

• Want to purchase a REO property? Want to know what properties I have to sell?
• Need information on the foreclosure process? Ask me for a FREE Pre-Foreclosure Guide 
• For a FREE MARKET EVALUATION of your home  
• Need a Short Sale Specialist?   

Take a look at Mother and Daughter Blog and D'Adrea's Mother and Daughter Blog  - for other tips for Sellers and Buyers. I work with my daughter as the Mother and Daughter Real Estate Team at Family Realty Group and we also focus in Short Sales and the Pre-Foreclosure process and REOs/Bank Owned Properties.  Our aggressive marketing plan includes on-line listing advertising. 

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If you are thinking of selling or buying a home in Northern California's Central Valley (San Joaquin, Alameda, Contra Costa and Stanislaus Counties - includes Stockton, Manteca, Tracy, Lathrop., Salida, Ripon, Modesto, Lodi, Hayward, Castro Valley, Union City, Fremont, Newark, Livermore, Pleasanton, Dublin and all surrounding cities). Call us at 866-750-8282 or email at US.

The market is not balanced right now, but there are a couple of things to keep in mind if you are a buyer that is waiting on yet more of a price decrease.  While you may see a small drop in prices for a little longer, keep your eye on the interest rates too.  Just looking at the last week of May 2009 - the interest rate increased from .50% to 1.00% as fixed-income investors demanded more for their money.  This result is in just one week!

What is the old saying?  You either pay it this way or you pay it that way?  Keep your eye on what is most important to you.  What can you live with and what can't you live without.  If you want lower interest rates, you probably should get in the moving forward mode and start your search for that new home.  If you do not care about the interest rate but want to pay less for the property... you may not get that either by procrastinating too long.  The market is unforgiving and it is not going wait too much longer because a great change is going to come.   Interest rate is a good indicator.

These low rates are artificial! Historically, interest rates have been above 6.00%. And any rate obtained below this number is a great deal, especially on homes with price tags from 2003! Waiting for homes to decrease another 10%, might cost you a higher interest rate for 30-year fix!

WEBSITE: http://www.motheranddaughterrealtyteam.com

• Want to purchase a REO property? Want to know what properties I have to sell?
• Need information on the foreclosure process? Ask me for a FREE Pre-Foreclosure Guide 
• For a FREE MARKET EVALUATION of your home  
• Need a Short Sale Specialist?   

Take a look at Mother and Daughter Blog and D'Adrea's Mother and Daughter Blog  - for other tips for Sellers and Buyers. I work with my daughter as the Mother and Daughter Real Estate Team at Family Realty Group and we also focus in Short Sales and the Pre-Foreclosure process and REOs/Bank Owned Properties.  Our aggressive marketing plan includes on-line listing advertising. 

↑ Grab this Headline Animator

If you are thinking of selling or buying a home in Northern California's Central Valley (San Joaquin, Alameda, Contra Costa and Stanislaus Counties - includes Stockton, Manteca, Tracy, Lathrop., Salida, Ripon, Modesto, Lodi, Hayward, Castro Valley, Union City, Fremont, Newark, Livermore, Pleasanton, Dublin and all surrounding cities). Call us at 866-750-8282 or email at US.

Act Now and get in on the money!

Neighborhood Stabilization Program  ~   $2 billion has been allocated to the Neighborhood Stabilization Program (NSP), which is in addition to prior allocations. Be on the lookout for announcements of participating cities / counties that are among the selected areas that will get some of these funds.

NSP is an extension of the prior Community Development Block Grant.  Realtors and investors can team with municipalities to purchase foreclosed homes in blighted areas and then resell those homes to families at or below 120% of the area median income.  Limit is that 25% of the funds must be used for families below 50% of the area income.

The City of Stockton and County of San Joaquin has started to offer a purchase assistance financing to eligible low- and moderate- income homebuyers seeking to purchase a foreclosed home in a NSP Priority Area in these areas. The City of Stockton is proposing to use $12.1 million of NSP funds that have been allocated by HUD to acquire and repair foreclosed residences; to offer down payment and closing cost assistance to low- to moderate-income homebuyers; and to demolish blighted structures. HUD set income maximum at 120 percent of area median income.  In Stockton, that means $73,600 for a family of four.

Eligible Uses

NSP funds may be used for activities which include, but are not limited to:

• Establish financing mechanisms for purchase and redevelopment of foreclosed homes and residential properties;
• Purchase and rehabilitate homes and residential properties abandoned or foreclosed;
• Establish land banks for foreclosed homes;
• Demolish blighted structures;
• Redevelop demolished or vacant properties

Requirements         How do you qualify for the NSP?

1.   Attend the necessary training (8 hr course)

2.   Buyer to get pre-qualified by a Participating Lender  (Must be a participating lender) 

3.   The property must be foreclosed

4.   Property must be vacant at time of listing

5.   The property can be any type of permanent residential dwelling unit, such as detached single family structures, townhouses, condominium units

6.   Properties must be appraised by a state certified residential or general appraiser. The appraisal must be done within 60 days of the final offer to purchase.

7.   When buying foreclosed homes from lenders or other mortgagees, the purchase price must be at a discount from the appraised value. HUD requires that the home buyer must seek the "maximum reasonable discount" from the seller. The minimum discount is 5% for each NSP property.

8.   Properties must be located within an NSP Priority Area. 

9.   Households whose incomes are at or below 120% of area median income are eligible for this program. The following chart shows the maximum income limits.

10. Home buyers must not presently have an ownership interest in any real property.

11. Home buyers must attend and complete an eight (8) hour Homebuyer Education Class certified by HUD that is taught by one of the program's approved home buyer education providers. (see the end of the blog)

12. Home buyers must occupy the property as their primary residence.

13. At its own expense, the program will inspect every property to be purchased under this program and determine if rehabilitation repairs are required. If repairs are required, the program can provide a loan up to $50,000 for those repairs. Homes requiring rehabilitation that is estimated to cost more than $50,000 are not eligible.

Unless you have lived under a rock, or out in the middle of the Pacific Ocean with no TV or newspapers around - I know that you know we are in a crazy market situation right now.  When will it end?..... Your guess is as good as mine and I believe any other real estate professional or anyone else on when this market is going to clear up, when homes are going to re-gain their equity and if your next purchase is really a good investment for YOU.  Just to let you know that I don't know everything - go ahead and ask me when will this market condition end? and ......  I will have to tell you the truth and that is I do not know. I don't have a clue!  But I have no shame in my game to tell you the truth - I do not know what the reality is. Who does? I don't know that either!

 What I do know is that this does seem like a nightmare, rather than a dream.  I can tell you that everyday that I wake up it is still here!  I can tell you that because this market is so unstable that I do not believe anyone knows these answers: 

• When will this market get better?
• Will it get better by end of year?
• How many more foreclosures will we have before we have no more?
• What about rock bottom - are we there yet?
• Is this recession almost over?
• Aren't real estate professionals supposed to know what is going on?
• Will any of the present or any future plans, programs or help - really help?

 I   DON'T   KNOW  for sure!  But I do have an educated guess and I will research anything that you ask me to try to give you as close as possible to what is actually going on. Yes, I have a bit of an edge ... but My point here is .... the market is uncertain (that makes us all a little uncertain as what is going on or coming down the pipeline - right now! 

Really, it doesn't matter how you ask it.  My truth is "I don't know".  I am living this situation just like you are.  My first rule of thumb is to tell you the truth that I know and I really do not know what is going on with this market and am not in a position to make a honest prediction that everything is going to be better, well and gone away in any certain timeframe. Or if ever!

When I am talking to buyers, I represent them the best I can, I uphold my ethics by being as truthful as I know and I let them know that I don't know and cannot make a call on if this is the purchase that is going to stay at the value it is at - for any certain period of time, that the market is going to be better any date now.  If you want that truth, I can only tell you that your guess is as good as mine at this point.  And please do not rely on me to ease your mind by not telling you the truth as I know it.

If you are in trouble with your mortgage I can refer you to your lender, a HUD counselor, where you can possibly get a little more information, to see what your options are with them and I can keep you as updated as I am. Predicting the outcome of this market..... I don't know!

WEBSITE: http://www.motheranddaughterrealtyteam.com

• Want to purchase a REO property? Want to know what properties I have to sell?
• Need information on the foreclosure process? Ask me for a FREE Pre-Foreclosure Guide 
• For a FREE MARKET EVALUATION of your home  
• Need a Short Sale Specialist?   

Take a look at Mother and Daughter Blog and D'Adrea's Mother and Daughter Blog  - for other tips for Sellers and Buyers. I work with my daughter as the Mother and Daughter Real Estate Team at Family Realty Group and we also focus in Short Sales and the Pre-Foreclosure process and REOs/Bank Owned Properties.  Our aggressive marketing plan includes on-line listing advertising. 

↑ Grab this Headline Animator

If you are thinking of selling or buying a home in Northern California's Central Valley (San Joaquin, Alameda, Contra Costa and Stanislaus Counties - includes Stockton, Manteca, Tracy, Lathrop., Salida, Ripon, Modesto, Lodi, Hayward, Castro Valley, Union City, Fremont, Newark, Livermore, Pleasanton, Dublin and all surrounding cities). Call us at 866-750-8282 or email at US.

We are over 1 week into the new program (FAP) - Foreclosure Alternative Program that was passed.  It is something that we have needed for a long time.  This is a great opportunity for homeowners/borrowers to take advantage of the Short Sale instead of the old nasty word = Foreclosure!

This program will last to the end of 2012 (which by the way of memory is the same that the Debt Forgiveness Bill expires).  It is in effect now - new but in effect.

This program has minimum requirements for those homeowners/borrowers that do not qualify for a Loan Modification under the Making Home Affordable Loan Modification Program (MHALMP).  Then the buyer will be given the opportunity to enter into a Short Sale Agreement for 3-12 months (depending on the market conditions) and if that fails the Servicer has the option to expect the homeowners/borrowers to do a Deed-in-Lieu of Foreclosure in order to get a debt forgiveness.

There will be standardized documentation, the banks will be offered incentives to participate in this program, the homeowners will not be charged fees, every homeowner/borrower that falls into this category will be given the same opportunities and they have a couple of options instead of foreclosure.

Agents, this maybe better for us - no negotiation from the standard commission, and agent out of pocket expenses can be paid from the sales price, after an offer has been received, 3-12 months to sell the property and all we are expected to have is knowledge of the community/area where we are listing the short sales.  The Servicers will be setting the sales price based (Appraisals, BPOS) on market value - so if the market continues to be screwed up we can't take the balance for bad pricing! 

This new system will add more income flow for the agents by adding more BPO possibilities for the income substitute.

I take my hat off to Obama and his administration for this plan ~ it is the best on the table to improve the Short Sale process and hopefully it is set up to help cure the market condition.

Thank you Obama!

Agents lets work on getting this news out to the public & see who we can help out!

UPDATE:

Here are some links to check out. 

National Association of REALTORS® Government Affairs Division  

About FAP:

Making Home Affordable:   

Visit www.treasury.gov for detailed information on the program changes.

                       WEBSITE: http://www.motheranddaughterrealtyteam.com

• Want to purchase a REO property? Want to know what properties I have to sell?
• Need information on the foreclosure process? Ask me for a FREE Pre-Foreclosure Guide 
• For a FREE MARKET EVALUATION of your home  
• Need a Short Sale Specialist?   

Take a look at Mother and Daughter Blog and D'Adrea's Mother and Daughter Blog  - for other tips for Sellers and Buyers. I work with my daughter as the Mother and Daughter Real Estate Team at Family Realty Group and we also focus in Short Sales and the Pre-Foreclosure process and REOs/Bank Owned Properties.  Our aggressive marketing plan includes on-line listing advertising. 

↑ Grab this Headline Animator

If you are thinking of selling or buying a home in Northern California's Central Valley (San Joaquin, Alameda, Contra Costa and Stanislaus Counties - includes Stockton, Manteca, Tracy, Lathrop., Salida, Ripon, Modesto, Lodi, Hayward, Castro Valley, Union City, Fremont, Newark, Livermore, Pleasanton, Dublin and all surrounding cities). Call us at 866-750-8282 or email at US.

Let's tear it apart and see what we get.  

•  Default mean you are late on your payments (over 30, 60, 90 or more days). This is the homeowner that is first underwater for at least 3-4 months with no mortgage payments on the loan (some homeowners are finding that they are getting more time than this).  Once the bank does file a Notice of Default on the property, the homeowner is in pre-foreclosure. 

•  Pre-Foreclosure is the process before foreclosure, it comes after defaulting. 

•  Re-Defaulting is when you got out of default by making an agreement with the bank to do a modified payment plan

•  So... Re-Pre-foreclosure is when the borrower cannot keep up the modified plan and went back into default and the bank was then forced to re-file a NOD.  It is when you do it again - right?

Pre-foreclosure (in California) timeframe is normally: 90 days plus 21 days and then the property is sold at the Trustee's Sale (at the county courthouse steps).  The sale is usually held at the courthouse's steps.

So lets break this 90+ 21 days down:  During the 90 days, the bank cannot come and take your home, but unfortunately they continue to call and call and become  your pen-pal with all the letters (some are certified, some just letters) - they just keep coming.  To some this become intimidating, to others it is an opportunity for the homeowner to contact the lender and try to get a workout plan set up.  The options you have or should have from the bank: (forbearance, loan modification, pay off the full balance and not refinance unless you have equity in your property). 

The +21 days: what this means is, in California the bank is mandated to post that the property is in default, and will be foreclosed upon on a certain date.  So they post this information in the local newspaper.  The trustee's sale date is set 21 days from the date of posting this news to the public.  Plus they put notices on your door and have been known to mail at least 6 copies of the certified notice to the property address.

On day 111 (from filing of NOD (Notice of Default) is the trustee sale.  On that date the sell of the property is held.  The banks usually find themselves purchasing the property back at this sale - unless an individual bid and win the bid on the property.

So what do you do at that point?  You can sit tight for a few more days, until you are served and your time run out.  It is so wise to move out prior to getting charged with an eviction on top of the fact that you just lost your home. 

A Re-defaulting /RE-Pre-Foreclosure homeowner is someone that received a workout plan from the bank a few months back and now finding they are not being able to keep the agreement.  The numbers are going up and up on borrowers that are re-defaulting and ending up in the modification system again and I call this Re-Pre-Foreclosure. "Unfortunately, people that can't live up to the promises they made originally when they were in a loan workout situation or simply that they were hoping things were going to get better and they did not. They then get back into the process and end up going to foreclosure".  

Of course to get a workout/loan modification program you will need to have a hardship that you can document.  There are several situations that qualify you for a hardship (loss of income is probably the largest reasons, but certainly not the only one).  Some will say that in this economy anyone can have a hardship! Not sure if you are in hardship?? Talk to your lender and give them the facts, they will let you know if you qualify for a hardship/loan modification.  Never give up, Never do nothing.

To answer the title question: 

ANSWER: Yes you can do it again.  Not sure how many chances you will get - do not push the button too many times and always check with your lender.  Keep up with the latest Programs and Plans - you may get another break!

** Check with your county clerk office on what the eviction process is and where you can go to get some help on your rights.  The courthouse usually does have an agency there that will tell you the process and help you understand your rights.

WEBSITE: http://www.motheranddaughterrealtyteam.com

• Want to purchase a REO property? Want to know what properties I have to sell?
• Need information on the foreclosure process? Ask me for a FREE Pre-Foreclosure Guide 
• For a FREE MARKET EVALUATION of your home  
• Need a Short Sale Specialist?   

Take a look at Mother and Daughter Blog and D'Adrea's Mother and Daughter Blog  - for other tips for Sellers and Buyers. I work with my daughter as the Mother and Daughter Real Estate Team at Family Realty Group and we also focus in Short Sales and the Pre-Foreclosure process and REOs/Bank Owned Properties.  Our aggressive marketing plan includes on-line listing advertising. 

 

↑ Grab this Headline Animator

If you are thinking of selling or buying a home in Northern California's Central Valley (San Joaquin, Alameda, Contra Costa and Stanislaus Counties - includes Stockton, Manteca, Tracy, Lathrop., Salida, Ripon, Modesto, Lodi, Hayward, Castro Valley, Union City, Fremont, Newark, Livermore, Pleasanton, Dublin and all surrounding cities). Call us at 866-750-8282 or email at US.

What states are out front in this race to the deep waters? 

California, Nevada, Arizona and Florida, with Michigan, Ohio and Illinois close runners up.  This is about the number of homeowners that are affected by being under water with their mortgage loans.  This includes those that purchased or those that have refinanced their properties and cannot keep up the payments. 

Some of the reasons is that these homeowners are finding themselves up side down right at the point of their loan changing from one payment amount to a larger payment.  Some are finding that they are in hardship due to: loss of income, divorce, illness and other documented hardships.  Some are finding that they just don't want to pay the larger payment for their (decreased in value home).  Some are keeping up with the market and are just feeling they are doing the smartest thing by trying to keep their home when there is no equity in it and no sight of equity coming back for decades.  Some would just rather rent and not have the headaches that they now have or see coming down the pipelines. 

No matter where the homeowner falls, the news is not good. However, No matter where you fall in the "under water" nationwide situation - you do have options.

Here are some suggestions:

• Check with your lender to see what your options are (even if you do not want loan modification). 
• Document your situation, don't rely on a stressed out memory!
• Be truthful in what you tell the lender and the papers you sign - don't get excited and start making up stuff.  Remember what a paper trail means.
• Call an agent if you have to do a short sale - Time is of the essence once you cross over to having to do a short sale

Fact:  Freddie Mac estimates that 40% of the loans they have in foreclosure are on vacant homes. The borrowers are deciding they don't want a modification. Home prices have fallen so far that they will not see any equity for decades. So why pay?

WEBSITE: http://www.motheranddaughterrealtyteam.com

• Want to purchase a REO property? Want to know what properties I have to sell?
• Need information on the foreclosure process? Ask me for a FREE Pre-Foreclosure Guide 
• For a FREE MARKET EVALUATION of your home  
• Need a Short Sale Specialist?   

Take a look at Mother and Daughter Blog and D'Adrea's Mother and Daughter Blog  - for other tips for Sellers and Buyers. I work with my daughter as the Mother and Daughter Real Estate Team at Family Realty Group and we also focus in Short Sales and the Pre-Foreclosure process and REOs/Bank Owned Properties.  Our aggressive marketing plan includes on-line listing advertising. 

This is a true statement. Everybody should be trying to help someone, because you just never know when it could be you that is in a situation.... A similar situation.  When you walk the neighborhoods, you can see first hand - people are in a situation that is not just spinning out of control... it is out of control.  And that is not being negative... that is truth.  This market situation is no joke!

When I see the situation, I am constantly asking myself how can I help someone out?  And yes I am an agent that needs to eat too.  So I take my job serious.  I will take that extra few minutes and sit down with homeowners that have been bit by this foreclosure situation and don't know what to do.  They don't know who they can trust.  They don't know what rights they have and they don't know where to turn.  Yes, they can call the lender and yes, most have.  The bank is not the only place you can answers, however, at the end of the day... I personally suggest you not ignore them - you need to contact that mortgage holder and talk to them about your situation.

The question is -- are the banks really helping or are they even trying that hard?  Honestly, I don't see them working that hard at it, but either by the President's Plans and Programs or whether it be that you have a "good bank" or a "good person on the other end of the call", there is help out there for you.

The next question that I ask myself is: What am I doing to help?  I will sit down and talk to the homeowner and offer my suggestions - of which my first suggestion is call your bank.  I am never too busy to listen to someone and try to help.  And I am honest about it, yes I need to eat too, but I am not going to sell you down the river to help benefit myself.  As an agent, I make every effort to be honest and talk to my clients in a way that they understand my position.  This is why I ask that when we talk you are honest about what is going on with you - be able to give the full picture.

There are more agents - other than myself - that are willing to try to help homeowners - just reach out to us.

WEBSITE: http://www.motheranddaughterrealtyteam.com

• Want to purchase a REO property? Want to know what properties I have to sell?
• Need information on the foreclosure process? Ask me for a FREE Pre-Foreclosure Guide 
• For a FREE MARKET EVALUATION of your home  
• Need a Short Sale Specialist?   

Take a look at Mother and Daughter Blog and D'Adrea's Mother and Daughter Blog  - for other tips for Sellers and Buyers. I work with my daughter as the Mother and Daughter Real Estate Team at Family Realty Group and we also focus in Short Sales and the Pre-Foreclosure process and REOs/Bank Owned Properties.  Our aggressive marketing plan includes on-line listing advertising. 

Now I would hope that there is no one doing this for real, but I just saw it on pre-views of Dr. Phil and I believe it is coming on today!  I cannot believe that someone would be that "unsafe", "unaware" and "uncaring" of the safety of themselves as well as other drivers on the road.  If not worst, this could be right up there with driving after having too much to drink.

I can't imagine doing that because I can't see the small text that easier, so  I'd have to really concentrate on the texting and would be in a ditch somewhere.

Please if you are reading your text messages and God forbid answering them while driving... STOP IT NOW for the safety of you and others.

Most states have laws about using the cell phone while driving - 1) must have hands free device  2) cannot text while driving at least in California.

 This is the million or is it billion of dollars - question or ponder!  Are the banks sitting on Rock Bottom or is it just Excess Inventory?  And what is sitting on inventory doing to help?  Will they let the previous buyers buy back their own properties? Will they rent out the properties? Or will they just let them sit, sit, and be torn up by either the elements or stressed out people? Who knows?

Is the foreclosure / market situation kinda like...... if instead of a continual 40 days of rain - back during Noah's days, if God had decided to do only 20 days at first, then wait or say a few days later and then let the other 20 days come down and it catch up with the first 20 days?  Still a flood right?

 So by having moratoriums and hold up and sitting in on inventory is not stopping the flood. It is simply causing "build up".  It's giving a false picture that the flood won't be so bad, but then we still have that other 20 days to worry about.  Of course, in our market situation it has and will be way more than 40 days!  And we are already flooded!  No matter how you frame it, still a bad picture.

We have an (X) amount of inventory out there (does anyone really know how much), just lined up to go through the Asset Managers assigning process, agents doing the preservation, listing and selling of the properties that will be (hopefully) priced to sell.  Never mind, the issue that these vacant homes are going to hell and back by being vandalized, pest and other elements are taking over and on the other hand there is a staggering number of previous homeowners that are out on the streets (some fortunate enough to be able to live with other family members, some are renting or trying to and other are just lost in this situation). 

We still have these and other reasons that will cause even more foreclosures to come down the pipeline: 

•  the stated income loans
•  option arm loans
•  loss of jobs now and later on down the line
•  other hardships that will pop up

We (the public) still have questions:

• How many homes do we have that the banks are sitting on
• How many are lined up for the next wave and most important;
• When will the banks get up off the inventory that they have now? 
• How long, when and why is it taking so long -
• Do you guys understand that no one is benefitting from these properties just sitting some place - vacant. 
• What is that really all about? 

Banks get up off your inventory (or behinds) and let's get this ball rolling.  You can't sit on inventory and have it do a disappearing act and be gone!

 WEBSITE: http://www.motheranddaughterrealtyteam.com

• Want to purchase a REO property? Want to know what properties I have to sell?
• Need information on the foreclosure process? Ask me for a FREE Pre-Foreclosure Guide 
• For a FREE MARKET EVALUATION of your home  
• Need a Short Sale Specialist?   

Take a look at Mother and Daughter Blog and D'Adrea's Mother and Daughter Blog  - for other tips for Sellers and Buyers. I work with my daughter as the Mother and Daughter Real Estate Team at Family Realty Group and we also focus in Short Sales and the Pre-Foreclosure process and REOs/Bank Owned Properties.  Our aggressive marketing plan includes on-line listing advertising. 

↑ Grab this Headline Animator

If you are thinking of selling or buying a home in Northern California's Central Valley (San Joaquin, Alameda, Contra Costa and Stanislaus Counties - includes Stockton, Manteca, Tracy, Lathrop., Salida, Ripon, Modesto, Lodi, Hayward, Castro Valley, Union City, Fremont, Newark, Livermore, Pleasanton, Dublin and all surrounding cities). Call us at 866-750-8282 or email at US.