I was born and raised in Oakland California. My sign is a cancer, and I always wanted to be a major league baseball player. Four surgeries later I found myself working as a limosine driver, care salesman, and 2 years ego evolved into a Realtor and Loan Consultant. I have some information on properties on my website CLICK HERE TO VIEW PROPERTIES http://www.squidoo.com/lensmasters/ShortSaleRealtor Mon, 08 Sep 2008 11:44:19 -0600 FeedCreator 1.7.2 http://www.squidoo.com/equityonline ***CLICK HERE FOR $5*** To find out the market value of your home in todays market, it can get difficult because every seller is different and in a different situation. Some sellers are in a distress like a divorce, job loss, injury, or relocation because of the employer. How an appraiser will normally appraise your home they will gather data within a half of a mile to a mile radius, similar square footage, bedrooms, and bathrooms. They compare all of the active listings, pending homes, expired/withdrawn listings, and sold homes to come to their professional calculations of your homes value. They normally go back as far as a 6 month window to determine the value of your home. CLICK HERE TO GET YOUR HOMES VALUE education Fri, 01 Aug 2008 18:03:28 -0600 http://www.squidoo.com/activerainmj Active rain is a community of Realtors, loan agents, title officers, escrow officers, home warranty companies, and the list goes on. There are several blogs to subscribe to and the site definetly gets you ranked high on the google search engine as well. CLICK HERE FOR A STRONG INTERNET PRESENCE MLS SEARCH education Mon, 14 Jul 2008 18:28:54 -0600 http://www.squidoo.com/jacksonloans ***CLICK HERE FOR $5*** I recently helped a client of mine purchase a property in Oakley with now down payment. All she provided were her most recent tax returns, most recent pay stubs, and additional personal information like date of birth and social to run her credit. Her credit score was a 576, and she received an interest rate of 6.375% with no mortgage insurance on a $500,000 home. Don't hesitate to contact me if you're interested in one hundred percent financing. CLICK HERE TO APPLY FOR 100% FINANCING   education Tue, 17 Jun 2008 15:43:12 -0600 http://www.squidoo.com/dpassistance ***CLICK HERE FOR $5*** In today's market as it has been in the past, most cities allow you as a buyer to have assistance with your down payment. This will act as a second position lien on your home loan and the rates are usually around 3%. Some cities give as little as $25,000 all the way up to $100,000 depending on what you can qualify for. There are also benefits for Teachers and emplyees in the school district as well, so not being limited to teachers. The down payment assistance can be used along with lenders allowing 100% financing. CLICK HERE TO APPLY FOR DOWN PAYMENT ASSISTANCE MLS SEARCH education Wed, 30 Apr 2008 13:18:10 -0600 http://www.squidoo.com/freebackgroundcheck Check out this free website to find out criminal or traffic violations on anyone throughout the United States. Very easy site to navigate, Click here to run a background check Click here to find your next home education Wed, 27 Aug 2008 19:00:13 -0600 http://www.squidoo.com/nehemiah1 The Nehemiah program allows you to gift the buyers up to 6% of the purchase price for a down payment or closing cost credit. The seller will need to approve and participate with the program of course and this will help increase the number of potential buyers that will qualify for the property. There are no income limits for your buyer and there are no area restrictions.You can also post your home on Nehemiah's website for additional exposure too. MLS SEARCH education Tue, 06 May 2008 15:14:26 -0600 http://www.squidoo.com/byreferralonly I wish I would have know about this type of training prior to my first transaction. By referrl only was a great education and requires a continuous education how to get referrals from your current existing database of clients. Joe Stumpf actually simplifies how to creat more business in the real estate and mortgage business. I respect him for what he does in his profession and a person because he is definetly passionate about it. I recently atended the training from March 10th through March 12th and it was well worth going.. business Wed, 18 Jun 2008 14:27:19 -0600 http://www.squidoo.com/zilpy Zilpy.com is a new website that was brought to my attention in a blog that I stumbled upon. This is very equivalent to zillow.com which gives you estimates of property values. So now instead of looking in the newspaper, craigslist, online classifieds, and etc, you can log onto www.zilpy.com and get an estimate of rent comparables. I'm sure once lenders, realtors , and investors get wind of this they will receive several hits. MLS SEARCH education Mon, 14 Jul 2008 17:28:00 -0600 http://www.squidoo.com/fanniemaeincrease When you log onto the website all you have to do is input the the city and state and county. You can ignore the additional information that it asks for.. Check out this website.. CONFORMING LOAN INCREASE business Mon, 14 Jul 2008 17:48:38 -0600 http://www.squidoo.com/thecleaner This A&E television series is based on a true story and Benjamin Bratt plays the role of a recovering drug addict that makes a deal with God when he finally sobers up. His deal is that he get as many people into a full recovery as possible. He enjoys the work and has a team that helps him round up the addicts. On of his workers is a former girlfriend that he dated when his current wife and him split up. His son hates his job and his daughter seems to be a perfectionist , and his wife will not give it up to him. I highly recommend watching this Tuesdays at 10:00am. entertainment Mon, 11 Aug 2008 18:41:36 -0600 http://www.squidoo.com/mikeslistings ***CLICK HERE FOR $5*** My current Real Estate listings in the bay area are mainly short sales. My listing in fremont is not a short sale and is ready for a new homeowner. It also has a website www.4929roselle.com the address to this gorgeous corner lot home is 4929 Roselle Common, Fremont, CA 94536. I have a short sale in Brentwood in a great location near the freeway, you can get more information on this one by logging onto www.529montana.com , the address to the is is 529 Montana St. Brentwood, CA 94513. I have another short sale in process in Santa Cruz, this is a cute 2 bedroom bungalow with 738 living square feet within approximately one mile from the beach. Another very quiet neighborhood. This one is almost in foreclosure since the seller has defaulted on his payments since June of this year. The address to this one is 843 Gharkey St. Santa Cruz, CA 95060. www.843gharkeyst.com There is another potential short sale on a duplex listing I have in San Pablo, there is a 3 bedroom on the upstairs unit and 2 bedroom downstairs. The address to this one is 1501 California Ave. San Pablo, CA 94806 It's currently listed at $524,995. My last short sale that has been approved by the first lender, and we are in process of getting this approved with the second lender. This is a 5 bedroom 3 and a half bathroom home in a nice neighborhood in Patterson. The living square feet is approximately 3154. The address to the property is 542 Squash Creek Lane Patterson, CA 95363. To get preapproved for any of these listings log onto www.jacksonloans.net MLS SEARCH education Mon, 14 Jul 2008 17:39:09 -0600 http://www.squidoo.com/dpaindublin First and foremost in order to qualify for down payment assistance in Dublin California you will need a credit score of 620 or above and 3 percent of your own funds in a financial institution for a minimum of 3 months. You will not qualify with gifted funds. There are income restrictions with this program that will be provided by the website that you will click below. When you go to the home page of the website click on the department link in the middle of the website and then scroll down to housing. This where you will find the application to apply for this program. The down payment assitance will be 10% of the purchase price. Down Payment in Dublin CLick Here Click here to find your next home education Mon, 11 Aug 2008 15:06:17 -0600 http://www.squidoo.com/dpainlivermore You can get up to 20% of the purchase price in down payment assistance in the city of Livermore California. 3% of the purchase price of your own funds are required to qualify for the 30 year deferred second loan. Less down may be required if you have a mid fico score of 700 or above. In order to qualify you must have a minimum fico score of 660 or above. This home must be purchased as your owner occupied property. Click here for down payment assistance in Livermore Click here to find your next home education Mon, 11 Aug 2008 17:42:16 -0600 http://www.squidoo.com/parismj ***CLICK HERE FOR $5*** My trip to Paris was a great experience accept for the long plane ride to and from the US. There is so much great history in Paris especially all of the old buildings and castles. Not to mention the stampede that my brother and sister in law was involved in for a good 1 and a half minutes when the police rallied around a rowdy crowd during the New Years Eve celebration. I didn't know I could run that fast. The real eye opener was when I withdrew $300 Euros from the ATM, that equaled $440 us dollars, ouch. This is a great country and I will definetly revisit. travel Mon, 14 Jul 2008 17:46:34 -0600 http://www.squidoo.com/petergriffin2 This cartoon is about a hilarious family that is pretty disfunctional. The son stewie griffin is the most intelligent person in the whole house. Brian the walking, talking, alcoholoc dog has the child care responsibilities in the house. I don't want to spoin the rest for you but this is a must see. I even have a great episode on my myspace page. CLICK HERE TO VIEW VIDEO ***CLICK HERE FOR $5*** moviesandtv Mon, 14 Jul 2008 17:52:56 -0600 http://www.squidoo.com/lathrop Gorgeous 3 bedroom 2 and a half bathroom home plus a loft upstairs and an office room downstairs in a newer development. This spacious home has approximatley 2304 living square feet and has two stories. Within walking distance to the elementary school, city hall, and the fire station.This is a must see home. Present all offers to this property since the seller is motivated. www.16817shadymillway.com Virtual Tour Link http://client.rw.imprev.net/390/5668 You Tube Link http://www.youtube.com/watch?v=f7jyM5AwUBU Get Prequalified for this short sale by clicking here education Wed, 18 Jun 2008 13:57:50 -0600 http://www.squidoo.com/propertyincali I have recently invested into an idx link with my current Realtor Board which allows anyone to view listings in Northern California for free. The cities range from Alameda, Contra Costa and San Joaquin counties. Try it out and feel free to send this to friends or family. FREE MLS SEARCH education Wed, 18 Jun 2008 14:06:23 -0600 http://www.squidoo.com/prequalifyonline So you're interested in buying your first home or have not owned a home in 3 years and want to purchase another home? One of the first questions a lender will ask you is have you been employed for at least two years in a row. Then they will ask where you have lived for the past 2 years, and have you paid your rent on time each month. If you said yes to these two questions you're in the driver seat. Now you will need to proved your last 2 years w-2's and or tax returns, most recent paystub, and 2 months bank statmeents. Then you will need to provide all of your assetts, from your bank accounts, cd's, retirement accounts, paid of cars, 401k, etc. If you have 5% or more to put down and your credit score is above 580 or close to 580 you may be able to get financing for a home in todays market. CLICK HERE TO FIND YOUR NEXT HOME education Fri, 08 Aug 2008 19:29:22 -0600 http://www.squidoo.com/17293bellpostlane Gorgeous 4 bedroom 3 bathroom home with approximatley 1734 living square feet that's move in ready and unfurnished accept the faux wood blinds throughout the house. Feels like a new home with stainless steel appliances, tile floors in the bathrooms. Located near the new Target shopping center, within walking distance to the elementary school and parks. CLICK HERE TO FIND YOUR NEXT HOME education Tue, 19 Aug 2008 19:15:53 -0600 http://www.squidoo.com/colonylakes For Lease: $1150/Month GORGEOUS 3 BEDROOM 2 BATHROOM 2 CAR GARAGE ,SINGLE FAMILY RESIDENCE IN THE COLONY LAKES NEIGHBORHOOD. LOCATED ON CONSERVATION WITH MANY UPGRADES INCLUDED. GREAT COMMUNITY WITH A RATED SCHOOLS CLOSE BY. CLOSE TO THE SUNCOAST EXPRESSWAY AND HAS A COMMUNITY POOL WITH A CABANA. PROPERTY MANAGER 813-469-2904 education Wed, 27 Feb 2008 12:49:12 -0600 http://www.squidoo.com/hamiltonmedicalproducts1 ***CLICK HERE FOR $5*** Hamilton Medical Products is a company that is woman owned in a city called Rodeo. We service products on a wide scale that's related to health-anything from latex gloves, ekg's, aed's, etc. We have saves several companies a lot of money and we would like to do the same for your company. For more information click here for pricing. health Wed, 18 Jun 2008 14:35:15 -0600 http://www.squidoo.com/ebaymikej6 I'm a Realtor and Loan Consultant servicing Northern California. Create your own lens and make $5. ***CLICK HERE FOR $5*** shopping Wed, 18 Jun 2008 13:22:44 -0600 http://www.squidoo.com/dpainpleasanton In order to qualify for down payment assistance in Pleasanton you will need 3% of your own funds. You will also need to submit a complete application which includes a loan approval and an accepted offer on a home in the city of Pleasanton. The application must be submitted 3 weeks prior to the close of escrow in order to get a letter of program eligibility. Even if you qualify the city of Pleasanton approves this with the availability of funds since this is a first come first serve basis. Down Payment Assitance Package Click Here Click here to find your next home education Mon, 11 Aug 2008 16:16:45 -0600 http://www.squidoo.com/felonyspy What a great site. This is designed like zillow, and zilpy accept you're locating criminals instead of homes. I think this is a great site to have especially with all of the child abductions, burglaries, homicides, etc. Go ahead and click the link to find a person who has been convicted of a felony in your area. FIND A FELON BY CLICKING HERE education Mon, 14 Jul 2008 16:08:07 -0600 http://www.squidoo.com/shortsale In todays market home owners are facing a definite challenge to sell their homes because of the vast amount of homes for sale. As we all know defaults and foreclosures are growing rapidly everyday and some people judt didn't know that they could still sell their home even though the value is less than what the mortgage is. In order to have a successful short sale there needs to be a hardship in the sellers life like they lost their job, injury prohibiting them from working, etc. Most banks will begin to negotiate when they know the seller is in default and can't make the payments. They will want to see an offer on the home, the sellers income statements for the past couple of years and most recent pay stubs. Once the offer comes in the bank will ask for the listing agreement and a net sheet to see how much they are possibly losing on the sale of the home. The lender will then perform a bpo or an appraisal so they can get an idea of what they think the home is worth and should sell for. If there is one lender the short sale is that much easier because only one lender at this point needs to approve of the sale. Of course if there are two lenders then they both would need to approve of the sale in order for it to be successful.  Once the sell is approved then the lender will normally give you 30 days to close the sell of the home like a normal transaction. Feel free to contact me regarding the rules behind an investor purchasing a short sale as an investment property, or a buyer trying to purchase a short sale as their owner occupied residence. APPLY FOR A SHORT SALE BY CLICKING HERE   Click here for $5 education Tue, 15 Jul 2008 11:24:11 -0600 http://www.squidoo.com/reointhebayarea ***CLICK HERE FOR $5*** In todays market foreclosures are at an all time high, and there are so many homeowners in default that sometimes they can't get caught up. Once the default happens the foreclosure proceedings start. Depending on the bank they may try to work out a repayment plan if you are calling th bank and keeping them up to date on how you will get caught up. Sometimes we get overwhelmed and can't get caught up which leads to a trustee sale in which the bank will try to sell the home to recoup there loss hopefully. If nobody bids then the bank will buy it back and try to sell it on the open market with a Real Estate Broker.  CLICK HERE TO SEARCH FOR BANK OWNED PROPERTIES education Tue, 17 Jun 2008 14:31:21 -0600 http://www.squidoo.com/mortgageforgiveness George Bush signed a very important measure for homeowners on December 20th ,2007 who have had mortgage debt forgiven via Short Sale and refinances. Basically the lender would normally 1099 the seller for the loss and this would be taxable income to the seller. Now with the Mortgage Forgiveness Debt Relief Act of 2007, a taxpayer will not have to pay federal income tax on debt forgiven by a lender of a homeowners principal residence. For a copy of the Mortgage Forgiveness Debt Relief Act of 2007 , log onto http://www.govtrack.us/congress/bill.xpd?bill=h110-3648 For a list of my short sale listings log onto www.jacksonloans.net MLS SEARCH business Tue, 17 Jun 2008 15:13:20 -0600 http://www.squidoo.com/implode There is a link that has a list of all of the lenders that are currently out of business and some lenders that are on the brink of going out of business. I just called Mortgage IT today for a rate quote and I had no idea they have been out of business since last year in August. Some of the big names on the ailing list are Washington Mutual, First Franklin, Bear Stearns, and the list goes on. From this website it shows 224 lenders have gone out of business. To see all of the lenders on these lists click. http://ml-implode.com/ MLS SEARCH newsandpolitics Tue, 17 Jun 2008 15:27:35 -0600 http://www.squidoo.com/shortsalesincali ***CLICK HERE FOR $5*** Two short sales that I have successfully closed.Date: 15 Sep 2007 When the down market started to take place in the summer of 2006, I had a property listed in Manteca, CA. This home sat on the market with a list price of $455,000 since my seller owed approximately $430,000. I did several open houses and I received a lot of inquiries and walk ins buit no offers. So I decided to look at the local listings in the area and one in particular came up on the market at the time and the owner wanted a quick sale to move into his next property so they priced the home at $409,000, so then I thought ouch how do I break the news to my seller that there is no way we can compete. Luchily I have a broker that's been in the business for 8 years and she told me I should short sale the property. This home did have to loans so the first was getting all of their money but the second was taking a substantial hit. The second happened to be with countrywide. After 3 offers and about 2 weeks to get t he short sale approved we finally closed escrow in October it was relieffor me and the seller and he will not have a foreclosure on his credit and everyone is happy.  My second successfully closed short sale was in San Francisco, California. It was a condo that was valued at around $535,000 at the time of the listing agreement. After four months of nothing we definetly had to drop the price, and it took a total of 3 offers to get this closed. This was a big relief because the lender was New Century andduring the middle of one of my offers they said the loan was sold to a private lender, but it was a miswtake and it cost me a buyer because it took 3 weeks to find out they made a mistake. The condo finally sold for $485,000 in July 2007. For more information regarding how to legally represent an investor on a short sale feel free to contact me.  APPLY FOR A SHORT SELL BY CLICKING HERE     MLS SEARCH education Mon, 14 Jul 2008 16:41:57 -0600 http://www.squidoo.com/1997superbowl ***CLICK HERE FOR $5*** I was working security for the University of Cal Football and the Forty Niners this year, when I asked my supervisor several times if I could work the Superbowl, each time he laughed. I beleive I asked him so many times that he has my voice in his head and I was subconsiously on his mind when one of his staff cancelled and he immediatly asked if I would go and you know what I said. It was great to work in the same hotel that the Packers were staying in because I met the whole team and I did buy a mini super bowl ball from a sports store and began asking for autographs. This was great group of guys because they all took the time to sign it. I also went into Brett Favre's rooma and received his signature as well. This was great experience and I will never forget seeing Lisa left eye Lopez from TLC going down the elevator, I'm sure she was coming from her husbands room Andre Rison. sports Mon, 14 Jul 2008 17:36:55 -0600 http://www.squidoo.com/ratecut CLICK HERE FOR $5 What a hint today from the feds? A .75% cut in the prime rate to help stop the bleeding of our soon to come recession. What the rate cut means to you is it will affect the home equity line of credit loans, and of course the drop in the interest rate will help the buying power for buyers and the value in your home goes up also. For a prequalification log onto www.jacksonloans.net business Wed, 18 Jun 2008 14:15:00 -0600 http://www.squidoo.com/groups..realestatemj null education Fri, 02 May 2008 18:41:40 -0600 http://www.squidoo.com/mikejlistings Click here for $5 moviesandtv Wed, 18 Jun 2008 14:03:04 -0600 http://www.squidoo.com/weloveamericanpsycho moviesandtv Wed, 18 Jun 2008 13:48:59 -0600 http://www.squidoo.com/conformingloanamount I definetly support the latest update of the stimulus package for the economy by raising the conforming loan amount limit from $417,000 up to $725,000 in high cost areas. What this means is more buying power for the buyers in this market. We definetly need a push like this to help our economy avoid a recession. To see if you qualify for a loan PREQUALIFICATION A LINK DESCRIBING THE LOAN CONFORMING LIMITS business Wed, 18 Jun 2008 14:18:31 -0600 http://www.squidoo.com/groups..realestateblogger Blogging websites IF YOU ENJOY BLOGGING CLICK HERE education Fri, 02 May 2008 18:39:50 -0600 http://www.squidoo.com/insolvency1 My seller and I tried to short sell his home from September 2006 through January 2007. He was in default and we did receive offers that were rejected and of course foreclosed. When we originally listed the property we aimed at trying to get a little under what he paid for to satisfy the first and second lenders. The last offer we received was for $540,000 and the banks refused. Just a few days ago my seller received a 1099 from his lender in the amount of approximatley $515,000. He has been panicking as you could imagine to have to pay taxes on this amount. I asked all throughout my office from my Broker to other Realtors, CPA's, etc and came up with one word. "Insolvency" I called the C.A.R. hotline today and spoke to the real estate attorney today and they told me to go to the California Society of Certified Public Accountants (800)922-5272. So I called the number and they told me to log on to http://www.calcpa.org/ and click on public , then click on find a cpa , then click unjder the category niche bankruptcy/insolvency. Then you would have to search under area code or zip code. I thought this was valuable information for a seller that does not want to pay taxes on their foreclosed home. By the way the home I had listed is currently on the market at $399,000 MLS # 40318024 CLICK HERE FOR SHORT SALE LISTINGS education Mon, 14 Jul 2008 17:25:54 -0600