Friday, September 26, 2008

Apple Valley News....

As of today there are 807 homes for sale in Apple Valley,
342 are bank owned,
133 are short sales.

There are currently 248 homes pending.

In the last 30 days 89 homes have sold,
65 of those were bank owned
4 were short sales.

Thursday, September 18, 2008

Hey, my favorite lender got a new website!

Check it out.

We love Learning RX,

Hi all,

This is one of my favorite place and if you mention ME, you get a Karen discount.

Training the Brain to Make Learning Easier

Learning is a lifelong endeavor, and whether you are a student in a classroom or a student of life, tapping into your cognitive potential can bring big benefits. LearningRx offers just the prescription needed to strengthen brain power. LearningRx is not a tutoring service; it’s much more. The highly trained staff at LearningRx offer their clients individually designed programs that will focus on specific cognitive functions such as long-term memory, auditory and visual processing, as well as boost analysis, logic, reasoning, and other higher order thinking skills. The director of LearningRx, Steve Hackney, says, “Our goal is to make learning quicker and easier.”
Unlike tutoring, which merely attempts to re-teach information not previously understood, LearningRx uses one-to-one training to strengthen cognitive abilities so that the brain is able to access and process information more readily. While the professionals at LearningRx are serious about their clients’ success, the sessions don’t have to feel serious. Seven year-old Rachel has a lot of fun in the program, and her mom Andrea says that training has “broken down the mental wall” her daughter had built up against learning. Kristy says her daughter Brooklyn has “improved her comprehension and retention skills.” Serving clients of all ages, LearningRx even works with patients who have Alzheimer’s Disease or other forms of cognitive impairment to strengthen brain function and keep them cognitively active for as long as possible. LearningRx does not offer a “quick fix.” Steve Hackney reminds his clients that what they are investing in are cognitive skills that will not go away, skills that will benefit the client throughout his or her life, and he says the cost to benefit ratio is phenomenal. LearningRx offers financing plans as well. LearningRx helps their clients improve cognitive function, achieve higher levels of comprehension, and develop greater confidence that will last a lifetime. -- Susan Landers, HD Living Magazine

Wednesday, September 17, 2008

a re-run but bares repeating.

Buying your first house.
So you want to buy a house?

First you go talk to a loan person, hopefully my pal Craig at Wells Fargo. His # is 760-265-3423. Then you find out what you qualify for and match that to how much you are comfortable in paying per month. Make sure you start rounding up everything the loan people need.

Then go look for your dream home. (This could take 1 day or 6 months.)

Next you make an offer and go through the back and forth till you strike a deal.
Fill out paper work.

After you have an accepted offer, get your home inspected. Something will always be wrong, be ready. Ask for repairs or not. NOW...... you can start getting attached. Fill out more paper work.

You'll meet back with the loan people, more paper work.

Sign disclosures all from the other side of the transaction, get the escrow instructions, now you have someone else to fill out paperwork for, that is your hopefully your good friend the escrow officer.

Then if you are a NORMAL first time buyer, you start writing letters. why this, why that, your thinking who cares, well the loan underwriters do.

Make double, triple, quadruple sure you are on top of all the paperwork chasing you are doing for the loan.

You will hear, we passed termite and septic or not. Deal with that, more paperwork if there is a problem.

WOW!!!!!!!! You are still here.

SO FINALLY someone calls and says, come in and sign docs. That's the huge stack of paperwork that has scary things in it, like how much you will pay if you make 30 years of loan payments. Four little letters that really mean sign 4 feet it seems of paperwork. Good news is your about done.

These could be some really long long days, are you packing yet, I hope so.

Time to do the final walk through.

Next you'll hear the loan funded. I'm sure you are thinking I should have mentioned keys at some point right.

Now are all the loan conditions met? Everything fixed? Everything signed? This is no time to be losing sleep, you are moving soon. Now in a day or more....

Get ready, get set...........the words you have been longing to hear.


THEN you get your keys! Congratulations! You are now a home owner.

Ps The good news is the second one is less painful.

another article about the housing bubble, this summed it up pretty well.

Tuesday, September 16, 2008

RE in the news

Interesting article about buying a home.

Monday, September 8, 2008

The lastest on Freddie and Frannie