Mother & Daughter Blog: April 2008

This is the most common question I get from both agents and buyers.  The other questions I get are:  Are there any offers on the property and do you think the bank will take a cash offer (and those offers are usually very low but they are quick close and cash).  This post is about the question:  What do you know about this bank? The answer: In a word "nothing".

The important factor here is that I do not deal with direct with the bank.  I deal with the asset manager for the asset management team that is in charge of selling this property for the bank.  It is also important to remember that each company is different but usually they all have the same MO - they want the most they can get for the property and they will not bend too much from the list price.  They are already feeling that they are taking a hit on the property and are not ready to take more from their commission to make a buyer happy.

So they are pretty firm, but then again - they are usually in the counter mode and will counter you and let you know where they are coming from.  I am in no position to tell you what to offer or counter, because I do not know you like that.  I advise you to review the offer and the counter(s) carefully and if I am your agent I will go over what they mean, but at the end of the decision is YOU.

Asking what do I know about the bank is that I do not know much.  I may be able to give you the name but remember the asset management company was hired to act in the place of the bank.... And they then have to take into consideration what they will be getting from the sale and are really much interested in deceasing the sales price by much because it is like taking money out of their pockets too.

I hope this helps shed some light on what your agent really knows about the bank that owns the property and if it really matters.  Each transaction is different so it is very hard to honestly call it for you.

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

Check out: Real Estate Terms/Definitions.  And 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 consultations are free.  Our aggressive marketing plan includes on-line listing advertising.  If you are thinking of selling or buying a home in Northern California's Central Valley (San Joaquin County CA - includes Stockton, Manteca, Tracy, Lathrop) plus Stanislaus County CA - includes Modesto, Salida, Riverbank) & the East Bay (Alameda County CA - includes Hayward, Fremont, Newark, Union City & Oakland) and surrounding areas give us a call.  If you would like a FREE Home Seller or Home Buyer Handbook, please call us at 866-750-8282 or email at US.

Website: http://www.motheranddaughterrealty.com

This is about REOs (bank owned properties):REOs are not steroids but they are growing, all over the place. 

• Out of 56,493 NOD filings, California filed 40,761 for the month of March 2008.
• Out of 47,677 REO properties, California filed 14,025.

REOs (bank owned properties) numbers are growing at record high.  Since the lenders are turning down the short sale requests - the only choice left is foreclosure.  Foreclosures are at an all time record high in most areas (especially in California), so therefore the REO stats are up in these same areas.

The San Joaquin Valley is hit hard with Short Sales (pre-foreclosures) and REOs (bank owned foreclosure homes) and with Auctions.

Top state foreclosure rates:

Nevada, California, Florida:   One in every 139 Nevada households received a foreclosure filing during March, 3.9 times the national average and the highest state foreclosure rate for the 15th consecutive month. Foreclosure filings were reported on a total of 7,659 properties during the month, up 24 percent from the previous month and up nearly 62 percent from March 2007.

California, Florida, Ohio:  Foreclosure filings were reported on 64,711 California properties in March, the most of any state for the 15th consecutive month. California foreclosure activity increased nearly 21 percent from the previous month and almost 106 percent from March 2007.

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

Check out: Real Estate Terms/Definitions.  And 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 consultations are free.  Our aggressive marketing plan includes on-line listing advertising.  If you are thinking of selling or buying a home in Northern California's Central Valley (San Joaquin County CA - includes Stockton, Manteca, Tracy, Lathrop) plus Stanislaus County CA - includes Modesto, Salida, Riverbank) & the East Bay (Alameda County CA - includes Hayward, Fremont, Newark, Union City & Oakland) and surrounding areas give us a call.  If you would like a FREE Home Seller or Home Buyer Handbook, please call us at 866-750-8282 or email at US.

 website: http://www.motheranddaughterrealty.com

You submit an offer and you get countered? What does it mean?

Some buyers mistake a counter for a turn down or that it is etched in stone.  It is not.  It is an opportunity to open up the negotiations or it can be.

• Don't mistake a counter as a turn down
• Don't mistake a counter as an opportunity to go under what you originally offered!
• Don't mistake a counter as something you can sit on for several days - act on it if you want it!
• Don't over look what the bank is countering... read carefully

1. If you want something - ask for it BEFORE you sign the contract - most effective if you ask you it during the negotiating period. Be reasonable in what you ask for.
2. Keep in mind: Low ball offers just might get less than none consideration.  Low balls stand out!! Most of the time the bank will never see them and you will be REJECTED in record time.

Example: If you ask for less than the asking price, plus you want 6% credit back for closing and you want termite inspection and you want termite section 1 repairs, and you want a 17 day inspection contingency and you want.... And you want...

• Take a look at what the counter is saying. Read carefully and be reasonable about what you are asking for.

Hint:  The bank will usually counter an offer even if it for the asking price.  They seem to find something on the original offer to counter so that it "fits" into what they want and into how they do business.  So don't take it as a turn down. 

• If you are bold enough to ask for a credit back be bold enough to understand that the bank will more than likely counter it if it is not a full offer and then ask for the counter.  In other words offer that percentage over the asking price and then ask the credit back.  Do not ask for a lower purchase price PLUS the % credit back!  If you do, it will surely be countered.
• If you want the bank to pay for Termite Inspection and / OR Termite Section 1 repairs... say your prayers before you make the offer.  The reason I say that is because the bank will usually counter any cost to them for inspections and for repairs.  The bank is selling the property AS IS  WHERE IS so they are usually not up to paying for any repairs.  See  AS IS, Where Is... Know WHAT IS before you offer!

Whereas it does not hurt to ask, just understand that it may be countered. 

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

Check out: Real Estate Terms/Definitions.  And 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 consultations are free.  Our aggressive marketing plan includes on-line listing advertising.  If you are thinking of selling or buying a home in Northern California's Central Valley (San Joaquin County CA - includes Stockton, Manteca, Tracy, Lathrop) plus Stanislaus County CA - includes Modesto, Salida, Riverbank) & the East Bay (Alameda County CA - includes Hayward, Fremont, Newark, Union City & Oakland) and surrounding areas give us a call.  If you would like a FREE Home Seller or Home Buyer Handbook, please call us at 866-750-8282 or email at US.

 website: http://www.motheranddaughterrealty.com

AS IS - WHERE IS - Do you know what it really mean?  I don't think it can be explained enough.  There are so many foreclosed homes out there that it is important to understand what the buzz words mean - and this is one that won't go away (AS IS, WHERE IS).  Let's break it down:

"As is, where is" means that you are buying a property that could have repairs needed, but if there are ... and you purchase the property.....you will need to do those repairs. On the flip, you could be buying a property that is great shape.  You just never know, so you should always check the property out first. Know what you are buying, before you buy!

Not all foreclosed property is damaged or halfway destroyed.  Some properties are in pretty good shape except maybe some cosmetic repairs, or some minor ‘fix-its".  Usually these days you will get a property where the owners have not been more than a few months moved out, so the odds are that it is in normal working condition.  The property has not been sitting on the market for several months to a year.  However, there are some properties that have been sitting on the market for a long time and will be in need of some major repairs.

You probably expect the listing agent to tell you everything about that property - RIGHT?  Not true.  BECAUSE....When properties are foreclosed, the banks that now own the property will have no knowledge of the property. They therefore sell the property "as is, where is." This means that you will receive no disclosures and that you are literally buying the property in its current state. In California the banks are exempt from the standard TDS (Transfer Disclosure Statements) forms that are mandated in other type sales. The reason for this has been stated:  The bank has no knowledge of the property so basically how can they disclose.

What banks push is that the homes are priced accordingly - so they usually stand firm on the price they decide to list the house for. Getting a price reduction is like pulling teeth! They look at it like this: you are already getting a deal with the list price, why should we accept even less than what we ask, why should we reduce?  However, it is usually not the case of it being a deal at the list price; the odds are that foreclosures and REO properties are frequently miss-priced (from $10-20K). So, do not make the mistake of assuming that all foreclosed or REO properties are good deals.  Do your homework.

You should probably be reminded that not all used cars sold (or new ones for that matter) are a deal.  Some are and some are not.  Same works with real estate property.

So what can you do to be assured you are getting a pretty good deal?

• Inspect first - do a full inspection, Check out the property thoroughly
• Check out the neighborhood - won't hurt to knock on neighbors doors and see if they know anything about that property that you should know
• Check public records
• Know the comps for the radius area

After all, with an "as is, where is" property, whatever problems you discover after you purchased the home are yours to repair and you will have no recourse on the seller.

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

Check out: Real Estate Terms/Definitions.  And 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 consultations are free.  Our aggressive marketing plan includes on-line listing advertising.  If you are thinking of selling or buying a home in Northern California's Central Valley (San Joaquin County CA - includes Stockton, Manteca, Tracy, Lathrop) plus Stanislaus County CA - includes Modesto, Salida, Riverbank) & the East Bay (Alameda County CA - includes Hayward, Fremont, Newark, Union City & Oakland) and surrounding areas give us a call.  If you would like a FREE Home Seller or Home Buyer Handbook, please call us at 866-750-8282 or email at US or TEXT Message us at 209-346-9806.

 Website: http://www.motheranddaughterrealty.com

Buyers, if you see a REO / Bank Owned Property  FOR SALE --it might be wise to check it out, do your inspections and make your offer before the sign changes to SOLD. 

These properties are not going to sit on the market a long time as they once were doing.  The market is so low that the properties are starting to move.  Or who knows the bank might take it to the auction and WAM... its gone.

Although you may think it is listed a little high to call it a deal, they usually are a deal.  Maybe not a steal, but a deal.  Typically, the bank will order BPOs from 3 different agents.  From those evaluations the bank will make a decision on the list price.  The bank seems to be pricing the properties somewhere close to $10K of what the BPOs come in at. Once the listing agent get the listing price, they will or should get going with the advertisements: MLS, online listing sites, and especially Craigslist. 

The listing agent should keep a watchful eye on the numbers of showings, should hold open house and get the listing out there so that everyone possible knows about the property being available.

Some have been known to wait for price reductions and who knows maybe the banks know this and they hold back on reducing...

• typically the bank will treat a request for a reduction within the first 30 days with no more than a 3% price reduction; 30-90 days they may reduce again staying within the 3% to 8% range and if the property last 90-120 days they may go down 10% or a little larger.  But that's if the property last that long.

So if you are looking at a property... better stop looking and make your offer now!  Count on the bank to counter back, but don't give up - counter back - just be reasonable in your offer and counters.  Don't assume you will get that much more of a deal by holding out.  These properties are already reduced much lower than what it would have cost to purchase it during a short sale.

A REMINDER:  REO/Bank Owned Property is sold AS IS.  Not matter how much negotiating, the target of the bank is to sell the property as is.  It never hurts to ask, but always keep in mind that the seller/bank is looking at the bottom line and that is - AS IS, Where is.

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

 Give us a call today!  866-750-8282

For a FREE MARKET EVALUATION of your home Call us or visit http://www.motheranddaughterrealty.com/

Check out: Real Estate Terms/Definitions.  And 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 consultations are free.  Our aggressive marketing plan includes on-line listing advertising.  If you are thinking of selling or buying a home in Northern California's Central Valley (San Joaquin County CA - includes Stockton, Manteca, Tracy, Lathrop) plus Stanislaus County CA - includes Modesto, Salida, Riverbank) & the East Bay (Alameda County CA - includes Hayward, Fremont, Newark, Union City & Oakland) and surrounding areas give us a call.  If you would like a FREE Home Seller or Home Buyer Handbook, please call us at 866-750-8282 or email at US.

Check us out on website: http://www.motheranddaughterrealty.com

 When the loans were rolling out like there was no tomorrow - Countrywide was the Industry leader for serving "lemonaide" to the borrowers and homeowners ~ or so they called it. Now that same Industry leader is backing out of helping the mess they lead the industry in creating.  Something is really wrong with this picture.

First let me define the difference between Lemons and lemonaide: 

 These are Lemons - If you pick these and eat them as is, they will be bitter and you will not have lemonaide.  You will be simply eating a lemon.  Not to say lemons are bad because I personally like to eat lemons (especially when I have a cold).  In this post, lemons equates to Not Helping out or REJECTING short sales. Or putting SALT on the wounded.

This is lemonaide:  It is usually served in a glass and it has "sugar" added or sweetners if you don't use sugar. This is a refreshing treat - especially when it is hot.   So lemonaide equates to helping out borrowers and homeowners.  In this post, it is an approved short sale request.

SO what is left that Countrywide will or might approve as a short sale? I think the answer is not much!

So far this is the list that Countrywide will reject - so far.  If you know of other reasons to reject that Countrywide uses, please add on.

To add salt to the wounded, they have a "select" list of agents that they work with to do BPOs and those agent know that they will need to continue to "opinion" the Countrywide properties higher rather than "at" or "lower" than market value ~~~ no matter the condition of the property.  But I don't think that the agents are ready to admit that this is going on yet.

Countrywide is confused!!! Its not salt we need for lemonaide..... its sugar (its help).

So my question is:  What is left that Countrywide will approve?    My answer:  Not much!

And are there other lenders following the Industry Leader as they did when this mess began?

Summary: So if you are looking for a nice glass of lemonaide to refresh you during these "hot times of foreclosures gone out of control" and you have Countrywide as a lender.... you might not get the lemonaide - just the lemons and salt. And....Don't be surprised if others don't start to follow the leader.

• Need a Short Sale Specialist? 
• Want to purchase a REO property?  We have a list of REO properties to share with you.
• Need information on the foreclosure process?

Give us a call today!  866-750-8282

For a FREE MARKET EVALUATION of your home Call us or visit http://www.motheranddaughterrealty.com/

Check out: Real Estate Terms/Definitions.  And 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 consultations are free.  Our aggressive marketing plan includes on-line listing advertising.  If you are thinking of selling or buying a home in Northern California's Central Valley (San Joaquin County CA - includes Stockton, Manteca, Tracy, Lathrop) plus Stanislaus County CA - includes Modesto, Salida, Riverbank) & the East Bay (Alameda County CA - includes Hayward, Fremont, Newark, Union City & Oakland) and surrounding areas give us a call.  If you would like a FREE Home Seller or Home Buyer Handbook, please call us at 866-750-8282 or email at US.

Check us out on website: http://www.motheranddaughterrealty.com

the Mother of the Mother and Daughter Team

Call 209-946-2083 for information on EARTH DAY FEST to be held from 11 to 5pm Sunday beind the Haggin Museum at Victory Park, 1201 N Pershing Avenue in Stockton.  Music, food booths and other vendors and goups of all sorts will be present. 

Check it out on http://www.asparagusfest.com/ - Asparagus Festival on April 25 to April 27 (Friday to Sunday).  Location: downtown Stockton.  Tickets are from $5 to $10: ages 11-17 ($5); Adults ($10); Seniors ($5) - 60 +.  This promises to be lots of fun.  Entertainers: Friday - Greg Kihn Bank; Saturday - Joan Jett & the Blackhearts; Sunday - WAR!

Call 209-951-0196 - Pops and Picnic Concert.  The 19th annual Pops and Picnic Concert of the Stockton Symphony will start at 5:45pm May 2 at Stockton Memorial Civic Auditorium, 525 N. Center Street Stockton.  Tickets starts at $20.

Lets take a snapshot of Stockton's Metrolist Listings:

After reading a post by Mark Horan's Countrywide Loss Mitigation stating that they heard that Countrywide was going to stop doing short sales and just let their homeowners go staight into foreclosure, I decided to take a look at how it would affect the listings.  That would mean that over 2500 REO listings would be sitting out on the Metrolist MLS and never mind all the other places homes are listed in the Stockton area.  If we are not already confused, it will surely add to the mass confusion for the Stockton area.

The other post I read said that Countrywide will not approve a short sale if the property is a Second home, Investment or if the property is vacant.  I wonder if other lenders are going to pick up the habit?  And how many more changes are coming on short sales?  Right now it looks like they are trying to shut down the short sales because it makes them look bad on the books.  But what about the homeowners?

Right now the banks are running the market.  One way or another.  Yet all I've ever heard is that the banks don't want to do real estate... they don't want your home... they want to work with the homeowners.  Countrywide for one has already established that they are not working with the borrowers much on the loan modification plans that we have heard so much about.  They are not really working with the homeowners now when it comes to approving a short sale -- one that is way within the market value so what will really change if Countrywide cut out the possibility of a short sale? 

• Less listings during the 121 days that the foreclosure law mandates (at least in California)
• More listings after the foreclosure time period
• Nothing changed, just a shift in when the active listings number will go up and up and up!

Need a Short Sale Specialist? 

Want to purchase a REO property?

Need information on the foreclosure process?

Give us a call today!  866-750-8282

For a FREE MARKET EVALUATION of your home Call us or visit http://www.motheranddaughterrealty.com/

Check out: Real Estate Terms/Definitions.  And 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.  Our consultations are free.  Our aggressive marketing plan includes on-line listing advertising.  If you are thinking of selling or buying a home in Northern California's Central Valley (San Joaquin County CA - includes Stockton, Manteca, Tracy, Lathrop) plus Stanislaus County CA - includes Modesto, Salida, Riverbank) & the East Bay (Alameda County CA - includes Hayward, Fremont, Newark, Union City & Oakland) and surrounding areas give us a call.  If you would like a FREE Home Seller or Home Buyer Handbook, please call us at 866-750-8282 or email at US.

Check us out on website: http://www.motheranddaughterrealty.com

 Mother of the Mother and Daughter Team

I would like to invite everyone to welcome Amy Alvarez to Activerain.  She is an agent with Family Realty Group and will (I am sure) be an asset to the ActiveRainers group.  So let's welcome and applaud Amy for becoming a newbie in the Rain.

I work with Amy for Family Realty Group (where my daughter and I are the newbies to the group).  Family Realty Group has made us feel right at home and Amy has lead that welcoming.  So please join me in welcoming Amy to my world.... here on ActiveRain.

• Amy's profile:  http://activerain.com/amyalvarez
• Amy's website:  http://www.1familyreaty.com/

 Family Realty Group: Family Realty has been in business for over 30 years.   The company was founded in August 23, 1974 by Joseph Goodwill.  Mr. Goodwill was extremely successful throughout his real estate career and helped many families acquire real estate throughout his East Palo Alto community. Keeping the company in the family, Joseph's wife, Laurie Bradley currently manages the two Family Realty offices in San Ramon and Palo Alto. 

Family Realty is redefining REAL ESTATE EXCELLENCE!  Family Realty offers:

• Superior knowledge of the Real Estate markets.
• Unmatched passion for customer service.
• Industry leading technology innovation.

The company is a full service company and is highly focused on REO (bank owned properties) along with Short Sales and regular sales.   Check out our site:  http://www.1familyreaty.com/

the Mother of the Mother and Daughter Realty Team

Found a REO / Bank Owned property that you want to make an offer on but not sure how to make the offer? 

What you want: So you want everything fixed, termite Section 1, bank to pay all the escrow fees and on top of this pay a 6% closing cost credit towards the sale!! And to top this off you really don't plan on paying anywhere near the listing price for the property because it is a bank owned property and everybody knows these are all deals waiting to be closed - right? 

Answer: In a word NO!  Despite what you have heard on TV, what you have heard from someone trying to convince you that REOs are the way to go.... they don't work that easy.

Banks are simply not bitting! or are they?

Here are a few tips that I'd like to share that I think will help your offer be accepted.

Understand that your offer will probably be 1 of a mulitple of offers (so don't think just because you are paying with cash that you can low ball the offer and ask for the world)! Your offer will be submitted to the agent, the agent will submit to the Asset Manager and this is where the negotiating begins.  It may take a few more days than what the standard CA purchase agreement states for a response to your offer will get back to you.  So sit tight and be patience. 

Understand that he bank is not looking to give you the deal of the year with this purchase.  They have spent a lot of leg work getting BPOs and having agents check the market conditions and comparables to come up with the list price.  Sure they know the list price is probably just slight higher than what the agent would like to see it list for and surely they know that the listing is probably at least $10,000 more than what it is worth if not more.... but this is the price that the Asset Manager has decided is the price that they are going to take -- so is it smart for you (if you really want the property) to offer a "low ball" offer and ask for repairs, credits and expect your offer to be accepted?  Probably not smart.

Here are some things that will probably not changed about how REOs are sold:

1. AS IS (means little to no repairs will be done to the house by the bank)
2. Inspection time allowed: will probably be 7 or less days (this is why it is wise to do your inspections prior to making an offer)
3. Closing time:  30 days if financed and 20-30 days if cash (banks don't like to hold on in escrow for over 30 days - usually), but this does not mean you cannot ask for 45 days, but just know it might be countered.  Depending on when COE will fall during that month.
4. Banks expect FULL offers (they will usually pay the escrow and owner title insurance and Transfer fees) - other requests may be countered
5. Banks do not like to give credit back (at least not over 3%); unless you offer full price and then account for the credit back.  In other words do not offer less and then ask for 6% credit back!
6. Banks do not like contingencies.  Just the word seems to invite a counter!
7. Banks will always use their form to have you accept the offer all over again - it is called "Counter/Addendum / Contract" and it is what escrow will follow to close the deal.  This document is very important and just may state different from the purchase agreement - when you sign this document it superceeds the Purchase Agreement.

Need a Short Sale Specialist? 

Want to purchase a REO property?

Need information on the foreclosure process?

Give us a call today!  866-750-8282

For a FREE MARKET EVALUATION of your home Call us or visit http://www.motheranddaughterrealty.com/

Check out: Real Estate Terms/Definitions.  And 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.  Our consultations are free.  Our aggressive marketing plan includes on-line listing advertising.  If you are thinking of selling or buying a home in Northern California's Central Valley (San Joaquin County CA - includes Stockton, Manteca, Tracy, Lathrop) plus Stanislaus County CA - includes Modesto, Salida, Riverbank) & the East Bay (Alameda County CA - includes Hayward, Fremont, Newark, Union City & Oakland) and surrounding areas give us a call.  If you would like a FREE Home Seller or Home Buyer Handbook, please call us at 866-750-8282 or email at US.

Check us out on website: http://www.motheranddaughterrealty.com

 the Mother and Daughter Realty Team