http://activerain.com/blogs/pamelaseley Pamela Seley's Temecula Valley Real Estate Blog ~ Have a question about buying or selling real estate in Southwest Riverside County California? en-us http://activerain.com/blogsview/3272608/costco-online-offers-home-loans <p><span id="internal-source-marker_0.18636130085072533" style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Costco Online Offers Home Loans</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">With credit tightening and banks not lending as freely these days, when there&rsquo;s a need comes a solution.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">I recently heard that <a href="http://www.costco.com/Browse/Productgroup.aspx?Prodid=11615471&amp;Ne=4000000&amp;eCat=BC%7C55291%7C90711&amp;N=4047902&amp;Mo=0&amp;No=0&amp;Nr=P_CatalogName:BC&amp;cat=90711&amp;Ns=P_Price%7C1%7C%7CP_SignDesc1&amp;lang=en-US" title="Costco Online" target="_blank">Costco online</a>, of all places, is offering home loans and mortgage refinancing, with a $5000 incentive over the life of the loan.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">&ldquo;Life of the loan&rdquo; in mortgage terms is usually 30 years. Very few homeowners stay in their homes for 30 years, but sell after a few (except in this crazy market). Unless pursuing a refinance under HARP, or &ldquo;<a href="http://www.makinghomeaffordable.gov/programs/lower-rates/Pages/harp.aspx" title="Home Affordable Refinance Program" target="_blank">Home Affordable Refinance Program</a>,&rdquo; I find it doubtful many homeowners would be able to refinance their existing mortgages. What equity there might have been prior to the 2008 mortgage melt down, has been eaten up by declining home values.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Any lender can offer a mortgage refinance under HARP. Don&rsquo;t know if Costco can, but might be worth finding out.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">If you are a Temecula Valley California homeowner who has an underwater mortgage and needs to sell, or can no longer make your mortgage payments and loan modification is not an option, please call me direct 951.491.4063 to find out how you may be able to short sale your home and avoid foreclosure.</span><br><br></p> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Sun, 20 May 2012 01:25:16 -0700 http://activerain.com/blogsview/3272608/costco-online-offers-home-loans http://activerain.com/blogsview/3272558/realtors-rally-under-the-shadow-of-the-washington-monument <p></p><p>It's been over 20 years (can it be? lol) since I was in DC. The Washington Monument wasn't open then. Unfortunately, Gov Jerry Brown wants to use California's share of the $25 billion settlement to cover the interest on California's escalating debt. Homeownership as Californians have known it has changed. NO MORE TAXES, JERRY BROWN!!! I'm voting NO ON PROP 29.</p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/3268049/realtors-rally-under-the-shadow-of-the-washington-monument">Cindy Jones-Northern Virginia Real Estate &amp; Military Relocation Services (CJ Realty Group, Inc.)</a></b>:<br><blockquote> <center> <p><img title="Rally to Protect Homeownership in DC" src="http://activerain.com/image_store/uploads/7/8/5/6/6/ar13373428866587.JPG" height="401" alt="Rally to Protect Homeownership in DC" width="600"></p> <p>&nbsp;</p> </center> <p>Yesterday was the Rally to Protect Homeownership in Washington DC.&nbsp; According to the count by the National Park Service we were 13,000 strong on the grounds of the Washington Monument yesterday morning.&nbsp;</p> <p>The rally was not just a chance to stand around idly to talk about the value of homeownership but part of the annual mid-year conference held in DC every year.</p> <p>Besides hearing from other Realtors&reg; at the rally Sen. Johnny Isakson from (GA) and Congressman Steny Hoyer (MD) also spoke about the importance of homeownership to the American economy.&nbsp;&nbsp; What they didn't say and might not have struck anyone but me was the Washington Monument is current closed due to a large structural crack.&nbsp; No one can get inside to see the beautiful views of Washington DC from the top.&nbsp; Thousands of visitors are turned away with no chance of getting inside the doors.&nbsp; The same is now true with homeownership in the US.&nbsp; There are thousands standing just outside the door of their new homes but they can't get in due to chagnes in mortgage lending and appraisal rules.<br><br>Shifting lending rules to a to a "one size fits all" mentality has kept thousands of qualified buyers from buying a new home.&nbsp; Changing down-payment rules, increasing monthly mortgage premiums and reducing potential closing cost assistance are just a few of the changes FHA has put in place impacting most first time homebuyers.&nbsp;</p> <p>Making sure that Congress understands the negative impact of changing the current mortgage tax deduction would have on homeownership is major concern to anyone who owns or hopes to own a home in the future.&nbsp; Holding lenders accountable to do what was annouced by the <a href="http://www.whitehouse.gov/the-press-office/2012/03/06/fact-sheet-president-obama-announces-new-steps-provide-housing-relief-ve" title="White House Help for Servicemembers" target="_blank">White Houses as part of the $25 billion settlement</a> in March 2012 should be a top priorty.<br><br>Lenders have not stepped up to the plate to streamine the short sale process and assisting our military servicemembers with PCS orders.&nbsp; Calls to lenders about new programs for assistance by my clients have meet with responses including "it takes time to roll out these programs" or "we are unware of any program changes."&nbsp; Answers which continue to leave the financial future of homeonwers in the lurch.<br><br>Hopefully the noice from yesterday's Realtor&reg; Rally to Protect Homeownership was heard on Capitol Hill and the meetings that took place this week will spur lenders to do the right thing now.</p> <p><br><br></p> <p>&nbsp;</p> <div class="agent_signature"> <p style="background-color: blue; color: white; padding: 10px;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No Hassle-No Pressure-Just Straight Talk About The Northern Virginia Real Estate Market</p> <center><span style="font-size: 11pt; font-family: Cambria;">If you are interested in learning more about the Northern Virginia Real Estate market including Alexandria, Arlington, Fairfax and Prince William Counties give Cindy Jones and CJ Realty Group, Inc a call at 703-346-2213.<span>&nbsp; <br><br>Military Relocation Specialist serving military families relocating to and from the Pentagon, Fort Belvoir, Quantico MCB and all of the Military District of Washington installations.&nbsp; </span><br><br></span></center> <center>Check out <a href="http://www.varealestatetalk.com/"><em>www.varealestatetalk.com</em></a> and <a href="http://www.cjrealtygroup.com/"><em>www.cjrealtygroup.com </em></a>for more information. <p class="MsoNormal"><span style="font-size: small;"><em><span style="font-style: normal; font-family: Cambria;"><span><br></span></span></em></span></p> <p class="MsoNormal"><a href="http://www.facebook.com/cjrealtygroup" title="CJRealtyGroup on Facebook" target="_blank"><img title="CJRealty Group on Facebook" src="http://activerain.com/image_store/uploads/1/6/8/2/6/ar128624355362861.png" height="115" alt="CJRealty Group on Facebook" width="130" style="margin: 25px;"></a><img title="Welcome to CJ Realty Group" src="http://activerain.com/image_store/uploads/3/4/2/9/1/ar128715968419243.png" height="115" alt="Welcome to CJ Realty Group" width="133" style="margin: 25px;"><a href="http://www.twitter.com/cjrealtygroup" title="Follow CJ Realty Group on Twitter" target="_blank"><img title="Follow Me on Twitter" src="../..http://activerain.com/image_store/uploads/6/7/9/9/4/ar128624363749976.png" height="115" alt="Follow Me On Twitter" width="141" style="margin: 25px;"></a></p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal">Licensed in Virginia</p> <p class="MsoNormal"><em><span style="font-style: normal; font-family: Cambria;"><br> <br> </span></em></p> <p>&nbsp;</p> <p><a href="http://www.twitter.com/cjrealtygroup" title="CJRealtyGroup" target="_blank"><br></a></p> </center> </div> </blockquote> </div> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Sun, 20 May 2012 00:32:03 -0700 http://activerain.com/blogsview/3272558/realtors-rally-under-the-shadow-of-the-washington-monument http://activerain.com/blogsview/3267901/sorry-i-m-not-becky <p><span id="internal-source-marker_0.17740682039892286" style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Sorry, I&rsquo;m Not Becky</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Sometimes I just have to shake my head. I was working with a potential buyer who wanted to buy one of our office&rsquo;s listings. Turned out he already owned another property and wanted to buy the new home with a loan. Although he had the income to buy, his FICO score was under 640, the minimum to qualify for a mortgage loan these days.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">The lender&rsquo;s solution was for him to sell his current residence, which he owned free and clear and he did indicate he didn&rsquo;t want anymore. I set about finding out the market value of his current home. Turned out it was 20K less than what he thought it was worth.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Because of a family issue, the most expedient means to convey the information was over the phone. When I phoned him to tell him what I thought he would be able to sell his home for, he said, &ldquo;no,&rdquo; and hung up. He called me back shortly after and apologized.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">I understand sellers want as much as possible back from the years they&rsquo;ve invested in their home. The reality is market value is based on SOLD comparable homes in the same neighborhood. Even with the 20K less than he expected, he would still be able to purchase the new home he wanted.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Taking an over-priced listing would not help him accomplish what he wanted to do. He was still adamant about getting the price he had in his mind, so I left it that he could call me any time if he changed his mind.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">A few days later, he called and left a message to call him. I called him back shortly after. I make it a point to return calls immediately, if possible, or depending on my schedule, at least within the hour.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Me: &ldquo;Hi Mr. Buyer, you just called me so I&rsquo;m returning your call.&rdquo;</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">He answered: &ldquo;Becky, I&rsquo;m at the house now.&rdquo;</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">After straightening out the confusion and a brief conversation, he was set on buying a second home with a mortgage loan. He was sitting outside Becky&rsquo;s listed home for sale waiting for her to arrive. So glad I&rsquo;m not Becky.</span><br><br></p> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Fri, 18 May 2012 02:31:21 -0700 http://activerain.com/blogsview/3267901/sorry-i-m-not-becky http://activerain.com/blogsview/3254325/short-sale-myth-exposed-temecula-short-sales <p><span id="internal-source-marker_0.2634367440524352" style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Short Sale Myth Exposed - Temecula Short Sales</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">There&rsquo;s been a rumor going around I want to expose the truth that if a homeowner hires a real estate agent and puts their home on the market as &ldquo;short sale,&rdquo; that will stop foreclosure.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Sorry to break the bad news. Putting a home on the market as &ldquo;short sale&rdquo; will not stop foreclosure. The only way a short sale can avoid foreclosure is if the home is actually sold as &ldquo;short sale.&rdquo; This means the homeowner&rsquo;s lender has to approve short payoff, less than what is owed on the mortgage.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Short sales are paperwork intensive. A homeowner will have to gather more paperwork for a short sale than when they first got their mortgage loan. A lender reviews a homeowner&rsquo;s, or borrower&rsquo;s, financials and hardship letter and then will make a decision if they will accept short payoff or not.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Short sales also require a buyer, which means the home has to be available for showings.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Just putting your home on the market as &ldquo;short sale&rdquo; will not stop foreclosure.</span></p> <p><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Homeowners have heard things that they can &ldquo;hire a REALTOR&reg;&rdquo; and put their home on the market, and then bail at the last moment. If a short sale seller has accepted a buyer&rsquo;s contract, received short sale approval by their lender, and escrow is opened, and then bails, they are liable to pay broker/agent commissions. In other words, the listing broker can sue short sale seller for commissions.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">I&rsquo;d rather not spend my time in court. As a REALTOR&reg; I took an oath with my local REALTOR&reg; board.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">To paraphrase, a REALTOR&reg; is not to deceive the public. Putting a home on the market knowing the seller has no intention of going through with the short sale is deceiving the public.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Also, all dealings with other agents and REALTORS&reg; are to be honest. If I tell a buyer&rsquo;s agent that their client will be able to buy my short sale seller&rsquo;s home subject to lender approval, when I know the homeowners have no intention of going through with the short sale, is dishonest.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">REALTORS&reg; are smarter than some like to believe. I&rsquo;ve been doing this long enough to know when I&rsquo;m being fooled. Some tell-tale signs a short sale seller is going to bail.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Lie about facts. Cancel appointments. Ignore and not answer calls. Not return voice messages. Not respond to emails. Not return paperwork and/or incomplete paperwork. Pretend they don&rsquo;t understand. Not make their home available for showings.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">An uncooperative short sale seller is cause for cancellation of listing. My time is too valuable to waste when I could be helping a homeowner who truly wants to short sale their home to avoid an inevitable foreclosure.</span></p> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Sun, 13 May 2012 02:40:08 -0700 http://activerain.com/blogsview/3254325/short-sale-myth-exposed-temecula-short-sales http://activerain.com/blogsview/3222828/4805-duskywing-rd-hemet-california-92545-hemet-home-for-sale- <p><span id="internal-source-marker_0.9718805566289782" style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">4805 Duskywing Rd, Hemet, California 92545 &ndash; Hemet Home for Sale!</span><br><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Offered at $149,900</span><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">MLS # H746988</span><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Listing Office: Bassett &amp; Associates, REALTORS&reg;</span><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Listing Agent: Pamela Seley</span><br><br><a href="https://picasaweb.google.com/100631398586097497813/4805DuskywingRdHemetCA92545?authuser=0&amp;feat=directlink" title="4805 Duskywing Rd, Hemet, CA 92545" target="_blank"><img title="Hemet Home for Sale!" src="http://activerain.com/image_store/uploads/7/4/7/1/9/ar133601019291747.jpg" height="450" alt="4805 Duskywing Rd, Hemet, CA 92545" width="600" style="vertical-align: middle; display: block; margin-left: auto; margin-right: auto;"></a><br><br></p> <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Lennar home located in desirable Southwest Hemet, convenient to Domenigoni Parkway, Diamond Valley Lake, West Valley High School, parks, shopping and restaurants. Approximately 2,361 interior square feet, this home features 2-story vaulted ceilings in formal living and dining rooms. Gourmet kitchen features island and breakfast bar with good-sized, eating nook area, and lots of cabinets for storage. Kitchen opens to family room with fireplace. There is total of 4-bedrooms, 3 baths, one bedroom and bath downstairs with convenient laundry room. Master suite features dual vanity sinks, separate tub and shower and walk-in closet, and remaining two bedrooms upstairs. This home sits south with serene hill views from the back, faces north on wide quiet street. No HOAs! Great opportunity for first-time home buyer! Buyer and buyer&rsquo;s agent to verify property taxes; this is a short sale subject to lender&rsquo;s approval.</span></p> <p><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">If you would like more information on this home, or to schedule a showing, please contact Pamela Seley, REALTOR&reg; direct 951.491.4063</span><br><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">If you are facing foreclosure and would like more information on how to short sale your Hemet California home, please call direct 951.491.4063 for assistance.</span><br><br></p> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Wed, 02 May 2012 19:05:03 -0700 http://activerain.com/blogsview/3222828/4805-duskywing-rd-hemet-california-92545-hemet-home-for-sale- http://activerain.com/blogsview/3179256/san-bernardino-home-for-sale-loma-linda-village <p style="text-align: center;"><span id="internal-source-marker_0.09969840525209617" style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">San Bernardino Home for Sale &ndash; Loma Linda Village</span><br><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">1823 Ambrosia Way, San Bernardino, CA 92408 &ndash; Home For Sale</span></p> <p style="text-align: left;">&nbsp;<embed src="https://picasaweb.google.com/s/c/bin/slideshow.swf" pluginspage="http://www.macromedia.com/go/getflashplayer" type="application/x-shockwave-flash" height="400" flashvars="host=picasaweb.google.com&amp;captions=1&amp;hl=en_US&amp;feat=flashalbum&amp;RGB=0x000000&amp;feed=https%3A%2F%2Fpicasaweb.google.com%2Fdata%2Ffeed%2Fapi%2Fuser%2F100631398586097497813%2Falbumid%2F5732637393496458209%3Falt%3Drss%26kind%3Dphoto%26hl%3Den_US" width="600"></embed></p> <p style="text-align: left;"><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Offered at $149,900</span><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">MLS # H746882</span><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Listing Office: Bassett &amp; Associates, REALTORS&reg;</span><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Listing Agent: Pamela Seley</span><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">CA DRE Lic # 01824145</span><br><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Interior: 1,683 square feet (assessor) Lot size: 3,152 square feet (assessor)</span><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Homeowner&rsquo;s Association: Loma Linda Village HOA Dues: $70/month</span><br><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">If you would like more information on this home, or to schedule a showing, please contact Pamela Seley, REALTOR&reg; direct 951.491.4063</span><br><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">If you are facing foreclosure and would like more information on how to short sale your San Bernardino home, please call direct 951.491.4063 for assistance.</span></p> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Fri, 20 Apr 2012 01:14:57 -0700 http://activerain.com/blogsview/3179256/san-bernardino-home-for-sale-loma-linda-village http://activerain.com/blogsview/3172781/1823-ambrosia-way-san-bernardino-ca-92408-home-for-sale <p><span id="internal-source-marker_0.23136809001885872" style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">1823 Ambrosia Way, San Bernardino, CA 92408 &ndash; Home For Sale</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Offered at $149,900</span><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">MLS # H746882</span><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Listing Office: Bassett &amp; Associates, REALTORS&reg;</span><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Listing Agent: Pamela Seley</span><br><br><a href="https://picasaweb.google.com/pamelaseley/1823AmbrosiaWaySanBernardinoCA92408?authuser=0&amp;feat=directlink" title="1823 Ambrosia Way, San Bernardino, CA 92408" target="_blank"><img title="1823 Ambrosia Way, San Bernardino, CA 92408" src="http://activerain.com/image_store/uploads/9/7/4/5/6/ar133472996165479.jpg" height="450" alt="1823 Ambrosia Way, San Bernardino, CA 92408" width="600" style="vertical-align: middle; margin-top: 0px; margin-bottom: 0px; display: block; margin-left: auto; margin-right: auto;"></a><br><br></p> <table style="border-collapse: collapse;"> <tbody> <tr style="height: 0px;"> <td style="border: 1px dotted #aaaaaa; vertical-align: top; padding: 7px;"> <span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline;">Located in Loma Linda Village!</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> Close to freeway access, this charming 3-bedroom, 2.5 bath home features nice open floor plan with cathedral ceilings with lots of natural light. Upgraded wood laminate flooring in formal living, dining and family rooms, unique tiled flooring in hallway and kitchen.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Dining room features wet bar and bay window. Indoor laundry room and guest bath on first floor. Cozy loft area on second story, with enough room for desk, study, or play area. Good-size Master bedroom with adjoining master bath, features dual vanity sinks and walk-in closet. Two other good-sized bedrooms, one with walk-in closet.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Backyard features patio and fruit trees. Newer garage door, water heater, AC unit and furnace. All fixtures and wood blinds included. Great opportunity for first-time homebuyer. This is a short sale subject to lender&rsquo;s approval.</span> </td> </tr> <tr style="height: 0px;"> <td style="border: 1px dotted #aaaaaa; vertical-align: top; padding: 7px;"> <span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Call Pamela Seley direct 951.491.4063 for more information or to schedule a showing.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Directions I-10 to Mountain View Ave toward Bryn Mawr, left on E Coulston, left on S Hartford Place, left on E Coral Tree Lane, first right S Ambrosia Way</span> </td> </tr> </tbody> </table> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Tue, 17 Apr 2012 23:24:52 -0700 http://activerain.com/blogsview/3172781/1823-ambrosia-way-san-bernardino-ca-92408-home-for-sale http://activerain.com/blogsview/3168996/is-it-wise-to-use-our-free-time-writing-guest-blog-posts- <p><span id="internal-source-marker_0.7871804377400413" style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Is it Wise to Use Our Free Time Writing Guest Blog Posts? Requests by Other Professionals We Meet on the Internet</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">I&rsquo;ve suffered two losses this year,</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> although minor in the larger scheme of things. I was asked to write guest, blog posts for two different blogs and two different groups of people that I had formed relationships with on social media.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">The first deleted my post along with the other guest bloggers&rsquo; posts</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> after only a few weeks live on the net, and ne&rsquo;er without so much as an explanation. No return emails, complete and total silence. For whatever reason, I know it&rsquo;s not because of me personally, as I was in good company. In the future I won&rsquo;t be able to justify spending precious time writing blog posts only to have them sent away somewhere into the blogosphere filing cabinet.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">The second request and group, as it turned out, didn&rsquo;t have a valid copyright license,</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> so anything with my name connected to their name would be, well, taking future liability risks. Getting involved in a legal tangle is not my idea of promoting my blog writing or professional opinions. See <a href="http://activerain.com/blogs/lennharley/tags/copyright" title="Lenn Harley's blog posts tagged copyright" target="_blank">Lenn Harley&rsquo;s blog posts tagged copyright</a>. Save yourself legal troubles and money, and learn about copyright infringement.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">So, as the saying we&rsquo;ve all heard many times before,</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> &ldquo;Fool me once, shame on you, fool me twice, shame on me.&rdquo; Beam me up, Scotty!</span></p> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Mon, 16 Apr 2012 20:24:42 -0700 http://activerain.com/blogsview/3168996/is-it-wise-to-use-our-free-time-writing-guest-blog-posts- http://activerain.com/blogsview/3162781/10-million-vacant-properties-in-the-united-states <p><span style="background-color: transparent; font-family: Arial; font-size: 19px; font-weight: bold;">10 Million Vacant Properties in the United States</span></p> <div><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"><a href="https://plus.google.com/photos/100631398586097497813/albums/5731521879160293665?authkey=CPfCxr6Dz6ih-gE" title="10 Million Vacant Properties in U.S." target="_blank" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10px; font-weight: normal;"><img title="10 Million Vacant Properties" src="http://activerain.com/image_store/uploads/3/2/7/4/7/ar133447361874723.jpg" height="400" alt="blight" width="300" style="float: left; margin-top: 10px; margin-bottom: 10px; margin-left: 30px; margin-right: 30px;"></a></span></div> <div> <span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Recently I was canvassing one of my target neighborhoods</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">&nbsp;I hadn&rsquo;t been to in several months. I noticed several homes had all the signs of being vacant&mdash;brown grass in the front yard, 2-ft high weeds, accumulation of newspapers on the driveway, cobwebs around the front door.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">When I got back in front of my computer,</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> I looked up the vacant homes to see if these were bank-owned. I discovered most were owned by individuals who had abandoned their homes, or investors without tenants and left to neglect.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">I wish I had gotten there sooner.</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> Even so, many homeowners are afraid to seek out help when they are facing foreclosure. Maybe because they don&rsquo;t know there is help available, such as a short sale, or because they are embarrassed at their situation. It saddens me that these homeowners moved out of their homes when it wasn&rsquo;t necessary. They probably didn&rsquo;t know they didn&rsquo;t have to leave.</span> </div> <div>&nbsp;</div> <p><span style="background-color: transparent; font-family: Arial; font-size: 19px; font-weight: bold;">Fannie and Freddie spent $953 million to maintain vacant properties in 2010.</span></p> <p><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Many cities are passing blight ordinance laws to punish mortgage holders of vacant properties for not maintaining them. </span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">I know in Riverside County California there is a blight ordinance for brown, un-kept front yards, overgrown weeds, and green pools. After 30 day notice to remedy, the penalty is $1,000 per day.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Fannie and Freddie are being penalized by cities</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> for not maintaining vacant properties. Fannie and Freddie&rsquo;s position is the cities are over-reaching their authority because many of the properties that are vacant, Fannie and Freddie do not own.</span><br><br><span id="internal-source-marker_0.29380833583761556" style="font-size: 19px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">What will Fannie and Freddie have spent in 2011 to maintain vacant properties?</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">This is why since the mortgage meltdown I&rsquo;ve been an advocate for principal reduction</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> so that homeowners can continue making payments and stay in their homes. I know the con side is it wouldn&rsquo;t be fair to those who do pay their full amount. If you look at the alternative, vacant homes cost local government and communities and taxpayers money they don&rsquo;t have.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">It&rsquo;s possible principal reduction may be coming soon, because a study result shows </span>&nbsp;<span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"><a href="http://www.latimes.com/business/la-fi-mortgage-principal-20120411,0,7094090.story" title="10 Million Vacant Homes" target="_blank">Fannie and Freddie could save $1.7 billion</a> by reducing principal for some homeowners. Is it enough? Probably not, but i</span><span style="background-color: transparent; font-family: Arial; font-size: 16px;">f not principal reduction, then short sales are a better option than foreclosure. It is a win-win for all of us: homeowner/borrower, lender, Fannie and Freddie, communities, and taxpayers.</span></p> <p><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Read the 100+ page report, &ldquo;<a href="http://www.scribd.com/doc/89457675/Gao" title="10 Million Vacant Properties in the United States" target="_blank">Vacant Properties</a>,&rdquo; by the U.S. Government Accountability Office, dated November 2011</span></p> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Sun, 15 Apr 2012 00:26:19 -0700 http://activerain.com/blogsview/3162781/10-million-vacant-properties-in-the-united-states http://activerain.com/blogsview/3157044/definition-of-insanity-calling-on-a-different-agent-and-expecting-a-different-result <p><span id="internal-source-marker_0.21355698088924613" style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Definition of Insanity: Calling On a Different Agent and Expecting a Different Result</span></p> <p><img title="Definition of Insanity: Calling on a Different Agent and Expecting a Different Result" src="http://activerain.com/image_store/uploads/2/3/8/7/5/ar133429668057832.png" height="160" alt="genius" width="201" style="float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 20px; margin-right: 20px;"><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Agents, you probably know the scenario.</span><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> You receive that call from a buyer on one of your listings. You excitedly make an appointment to meet with them to show the home. They love it. It&rsquo;s perfect. They&rsquo;ve never seen anything like it. You can&rsquo;t believe what you&rsquo;re hearing. You look carefully and all the signs of &ldquo;yes, I&rsquo;m buying&rdquo; are there.</span><br><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Your next question is:</span><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> &ldquo;do you want to make an offer?&rdquo;</span><br><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline;">&ldquo;Oh, yes, I want to make an offer.&rdquo;</span><br><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">&ldquo;Are you planning to buy with all cash, or use a mortgage loan?&rdquo;</span><br><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline;">&ldquo;Well, I&rsquo;d like to use a loan.&rdquo;</span><br><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">&ldquo;Great, then I&rsquo;ll need the loan pre-approval letter from your lender.&rdquo;</span><br><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline;">&ldquo;Well, uh, I don&rsquo;t have one, but I was told I&rsquo;m approved for $X amount.&rdquo;</span><br><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">By now, you probably know where I&rsquo;m going with this.</span><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> Not only does the buyer not qualify for a mortgage loan, but owns another property he first needs to sell before he can buy another one. To figure this out takes several hours work from you and your preferred lender.</span><br><img title="Definition of Insanity: Calling on a Different Agent and Expecting a Different Result" src="http://activerain.com/image_store/uploads/1/7/5/4/2/ar133429680724571.png" height="157" alt="home buying" width="208" style="float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 20px; margin-right: 20px;"></p> <div> <span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">You discover there&rsquo;s an expired listing of his current home in the MLS from only a few months ago by another agent.</span><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> You notice the list price is unreasonable. You mutter to yourself, &ldquo;No wonder it didn&rsquo;t sell. No one is going to buy that at that price,&rdquo; and think the listing agent is either (a) insane, or (b) doesn&rsquo;t know what they are doing.</span><br><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Then, you discover the homeowner believes his home is worth more than it is. </span><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">In your mind you are cutting the listing agent some slack, and think they either (a) were intimidated by the homeowner and afraid to lose a listing if they were firm on listing price, or (b) thought they could get the homeowner eventually to see the light. Obviously, neither method brought the desired result.</span><br><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">You also learn the homeowner wants to sell his existing home at the list price of the new home.</span><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> Unfortunately, the new home has a higher market value than the one he owns. You know there is no way that will happen, but you remain silent for now because he hasn&rsquo;t requested to list his home with you. If he decides to list with you, you will show him sold comparable homes and remain firm on suggested list price.</span><br><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">You have already questioned the previous agent&rsquo;s sanity, and now begin to question the buyer&rsquo;s sanity, and maybe even your own.</span><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> Then it dawns on you that he must have known the answer all along. He was expecting if he called on a different agent he would get a different answer.</span><br><br><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Qualifying home buyers is one of the many hats REALTORS&reg; wear. Knowledge of local market home values is another. </span><span style="font-size: 15px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">It&rsquo;s the first step to helping a home buyer realize their goal, and the end result of handing over keys to their new home.&nbsp; </span> </div> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Thu, 12 Apr 2012 23:05:06 -0700 http://activerain.com/blogsview/3157044/definition-of-insanity-calling-on-a-different-agent-and-expecting-a-different-result http://activerain.com/blogsview/3150455/bank-of-america-short-sales-in-northern-ca-change-is-a-coming <p></p><p>Bank of America will be making changes to their short sale process. One would be to cut down approval time in half, according to Susan Goulding who sells short sales in Northern CA.&nbsp;</p> <p>If you are a homeowner in&nbsp;Riverside County Caifornia, and may be facing foreclosure, contact me direct 951.491.4063 for further assistance. There are no fees to the homeowner to short sale.</p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/3150398/bank-of-america-short-sales-in-northern-ca-change-is-a-coming">Susan (Sells Short Sales) Goulding NorCal - Tracy &amp; Mountain House (Crown Key Realty)</a></b>:<br><blockquote> <p><strong>Bank of America</strong> announced this week that they are making some changes to their short sale process.</p> <p><strong>Bank of America's</strong> changes are reportedly going to shorten time frames, perhaps in HALF.</p> <p><strong>One change</strong> Bank of America did a while ago was when they instituted Equator. &nbsp;Equator has been a huge benefit for those of<a href="http://www.SusanGoulding.com" title="Susan Goulding, Tracy &amp; Mountain House Short Sales" target="_blank"> us who do short sale</a> on regular basis.</p> <p><strong>One of the big changes</strong> is to protect the seller's privacy of information. &nbsp;A new 3rd Party Authorization will allow only <a href="http://www.SusanGoulding.com">licensed Real Estate agents</a> to talk to Bank of America.</p> <p><strong>The Second</strong> item to change is where SPEED will come into play.</p> <p><strong>Bank of America</strong> Short Sale's used to be a step by step process, step 1 had to be completed before step 2 could be done, etc... now those steps will be able to be done simultaneously. &nbsp;YIPPEE.</p> <p>If you live in <strong><a href="http://www.NorcalShortSaleHelp.com" title="NorCAl Short Sale Help" target="_blank">Northern CA</a></strong> and need help with a <a href="http://www.Norcalshortsalehelp.com" title="Bank of America Short Sale Help" target="_blank">Bank of America Short Sale</a> CALL ME. &nbsp;Ask Questions.</p> <p><strong><a href="http://www.SusanGoulding.com" title="Susan Goulding, Short Sale Help in Tracy CA" target="_blank">I</a> promise</strong> to always give you the BEST answer, not always the answer you'll like.</p> <p><img title="Bank of America Short Sale Changes for Tracy CA" src="http://activerain.com/image_store/uploads/2/9/1/1/0/ar133412413401192.png" height="313" alt="Bank of America Short Sale Changes for Tracy CA" style="margin: 3px;" width="509"></p> <div class="agent_signature"> <p><span style="color: #ff9900;"><span style="font-size: small;"><strong><a href="http://www.susangoulding.com/" title="Tracy CA Real Estate susan goulding" target="_blank"><img title="susan goulding, tracy ca realto" src="http://activerain.com/image_store/uploads/6/7/9/1/5/ar130297207751976.png" height="53" alt="Susan Goulding, tracy realtor, tracy ca" width="121">&nbsp;<img title="Susan Goulding, Realtor, Website" src="http://activerain.com/image_store/uploads/2/5/0/5/8/ar131839493085052.jpg" height="80" alt="QR Code - Susan Goulding" width="80"><br></a></strong></span></span></p> <p><span style="color: #ff0000; font-size: medium;"><span style="font-family: 'book antiqua',palatino; font-size: x-small;"><span style="font-size: small;">Cell:&nbsp;</span><span style="color: #000000;"><span style="font-size: small;">209-914-5573 |</span></span></span><span style="font-family: 'book antiqua',palatino; font-size: x-small;"><span style="font-size: small;">&nbsp;</span></span><span style="font-family: 'book antiqua',palatino;"><span style="font-size: small;"><span style="font-size: x-small;">Direct:&nbsp;</span><span style="color: #000000; font-size: x-small;">925-679-5573</span><span style="font-size: x-small;">&nbsp;| Fax&nbsp;</span><span style="color: #000000;"><span style="font-size: x-small;">925-226-4645</span><br><span style="font-size: x-small;"><span style="font-size: small;">email:</span><span style="text-decoration: underline;"><span style="color: #0000ff;"><span style="font-size: small;">&nbsp;</span><a href="mailto:%20Susan@SusanGoulding.com" title="email Susan Goulding" target="_blank"><span style="font-size: small;">Susan@SusanGoulding.com</span></a></span></span><span style="font-size: small;">| website: &nbsp;</span><span style="text-decoration: underline;"><span style="color: #0000ff;"><a href="http://www.susangoulding.com/" title="Tracy CA - Mountain House CA Real Estate" target="_blank"><span style="font-size: small;">SusanGoulding.com</span></a></span><a href="http://www.susangoulding.com/" target="_blank"><br></a></span><span style="font-size: xx-small;"><a href="http://www.SusanGoulding.com" title="Susan Goulding mountain house real estate" target="_blank">Tracy &amp; Mountain House, CA <span style="color: #000000;">&nbsp;</span></a>| DRE # 01490605 |&nbsp;<a href="http://www.SusanGoulding.com" title="Tracy, Mountain House Keller Williams office" target="_blank">K</a><a href="http://www.SusanGoulding.com" title="Tracy, Mountain House, Crown Key Realty formerly with Keller Williams office" target="_blank">eller Williams Realty | Crown Key Realty</a></span></span></span></span></span></span></p> <p><span style="color: #ff0000; font-size: medium;"><span style="font-family: 'book antiqua',palatino;"><span style="font-size: small;"><span style="color: #000000;"><span style="font-size: x-small;"><span style="font-size: xx-small;"><a href="http://eepurl.com/f0riT" title="Newsletter signup" target="_blank">Subscribe to my newsletter by clicking here.</a><br></span></span></span></span></span></span></p> <p><span style="font-size: xx-small;">&nbsp;<a href="http://www.facebook.com/pages/Tracy-CA/Tracy-Mountain-House-Real-Estate-More/163966614639" title="Tracy Real estate" target="_blank"><img src="http://images.wisestamp.com/facebook.png" border="0" alt="" style="padding-top: 0px; padding-right: 3px; padding-bottom: 5px; padding-left: 0px; vertical-align: middle;">Facebook</a>&nbsp;<a href="http://www.linkedin.com/in/kellerwilliamstracyca" title="Tracy Real estate" target="_blank"><img src="http://images.wisestamp.com/linkedin.png" border="0" alt="" style="padding-top: 0px; padding-right: 3px; padding-bottom: 5px; padding-left: 0px; vertical-align: middle;">LinkedIn</a>&nbsp;<a href="http://www.flickr.com/photos/28852271@N05/" title="Mountain House Real estate" target="_blank"><img src="http://images.wisestamp.com/flickr.png" border="0" alt="" style="padding-top: 0px; padding-right: 3px; padding-bottom: 5px; padding-left: 0px; vertical-align: middle;">Flickr</a>&nbsp;<a href="http://www.twitter.com/susangoulding" title="Tracy Short Sale Infomation" target="_blank"><img src="http://images.wisestamp.com/twitter.png" border="0" alt="" style="padding-top: 0px; padding-right: 3px; padding-bottom: 5px; padding-left: 0px; vertical-align: middle;">Twitter</a>&nbsp;<a href="http://friendfeed.com/realtorsusan" title="Mountain House Short Sale" target="_blank"><img src="http://images.wisestamp.com/friendfeed.png" border="0" alt="" style="padding-top: 0px; padding-right: 3px; padding-bottom: 5px; padding-left: 0px; vertical-align: middle;">FriendFeed</a>&nbsp;<a href="http://picasaweb.google.com/RealtorSusan" title="Tracy Real Estate" target="_blank"><img src="http://images.wisestamp.com/picasa.png" border="0" alt="" style="padding-top: 0px; padding-right: 3px; padding-bottom: 5px; padding-left: 0px; vertical-align: middle;">Picasa</a>&nbsp;<a href="http://www.plaxo.com/profile/directory/55834989317?ppk=a9c24458eca9a263bc5d67743d966867bafa17de" title="Mountain House Real Estate" target="_blank"><img src="http://images.wisestamp.com/plaxo.png" border="0" alt="" style="padding-top: 0px; padding-right: 3px; padding-bottom: 5px; padding-left: 0px; vertical-align: middle;">Plaxo</a>&nbsp;<a href="http://www.youtube.com/user/SJGoulding" title="Susan Goulding" target="_blank"><img src="http://images.wisestamp.com/youtube.png" border="0" alt="" style="padding-top: 0px; padding-right: 3px; padding-bottom: 5px; padding-left: 0px; vertical-align: middle;">YouTube</a></span></p> <p>&copy; 2011 Susan Goulding</p> <p><em><span style="font-size: x-small;"><span style="font-family: 'times new roman', times;">About the Author...</span></span><span style="font-style: normal;"><span style="font-size: x-small;"><span style="font-family: 'times new roman', times;">This&nbsp;article</span></span><strong><span style="font-size: x-small;"><span style="font-family: 'times new roman', times;">&nbsp;&nbsp;</span></span></strong><span style="font-size: x-small;"><span style="font-family: 'times new roman', times;">was provided by</span></span><a href="http://www.SusanGoulding.com" title="Susan Goulding Realtor" target="_blank"><strong><span style="font-size: x-small;"><span style="font-family: 'times new roman', times;">Susan Goulding</span></span></strong></a><span style="font-size: x-small;"><span style="font-family: 'times new roman', times;">, a Nationally recognized Realtor and Certified Short Sale &amp; REO Specialist.</span></span><span style="font-size: x-small;"><span style="font-family: 'times new roman', times;">&nbsp;Search Northern California real estate and homes for sale:&nbsp;</span></span><a href="http://www.SusanGoulding.com" title="Susan Goulding - Tracy Real Estate" target="_blank"><span style="font-size: x-small;"><span style="font-family: 'times new roman', times;">www.SusanGoulding.com</span></span></a><span style="font-size: x-small;"><span style="font-family: 'times new roman', times;">. &nbsp; Short Sale information at&nbsp;</span></span><span style="font-size: x-small;"><a href="shortsaleinformationforsellers" title="Short Sale information" target="_blank"><span style="font-family: 'times new roman', times;">Short Sale My Trac</span></a></span><span style="font-size: x-small;"><a href="shortsaleinformationforsellers" title="Short Sale information" target="_blank"><span style="font-family: 'times new roman', times;">y Home&nbsp;or Short Sale My Mountain House</span></a><span style="font-family: 'times new roman', times;">. Homeowners anywhere in&nbsp;Northern California contact me for more information or visit&nbsp;</span></span><a href="http://www.ShortSaleMyTracyHome.com" title="Short Sale My Tracy Home" target="_blank"><span style="font-size: x-small;"><span style="font-family: 'times new roman', times;">www.ShortSaleMyTracyHome.com</span></span></a></span></em></p> <p><span style="font-size: xx-small;"><span style="font-size: x-small;"><span style="font-size: x-small;"><span style="font-family: 'times new roman', times;">Serving the following </span></span></span><a href="http://www.TracyRealEstateGroup.com" title="Northern California Real Estate" target="_blank"><span style="font-size: x-small;"><span style="font-size: x-small;"><span style="font-family: 'times new roman', times;">Northern California Communities</span></span></span></a><span style="font-size: x-small;"><span style="font-size: x-small;"><span style="font-family: 'times new roman', times;">: Tracy, Mountain House, Livermore, Brentwood, Oakley, Pleasanton, Danville, Patterson, Lathrop, Manteca and Ripon. &nbsp;Keller Williams|Tracy|Mountain HouseTracy, CA |Homes for Sale Tracy CA |</span></span></span><a href="http://www.susangoulding.com/page/shortsaleinformationforsellers" title="Mountain House Short Sale Information" target="_blank"><span style="font-size: x-small;"><span style="font-size: x-small;"><span style="font-family: 'times new roman', times;">Short Sale Tracy CA</span></span></span></a><span style="font-size: x-small;"><span style="font-size: x-small;"><span style="font-family: 'times new roman', times;"> |Foreclosure Tracy CA |Tracy Real Estate | Mountain House Real Estate | NorCal Real Estate </span></span></span></span></p> <p>&nbsp;</p> <p><span style="font-family: 'times new roman', times;"><em><span style="font-family: Verdana;"><span style="font-size: x-small;"><span style="font-size: 8.33333px;"><a href="/disclaimer">DISCLAIMER - TERMS OF USE - PRIVACY POLICY - CONTACT POLICY - MARS DISCLOSURE</a></span></span></span></em></span></p> <p><span style="font-family: 'times new roman', times; font-size: 6.66667px;">Disclaimer: The information provided on this website should not be constituted as legal advice. The content is intended to provide general information about the short sale and foreclosure processes, and should not be acted upon without the counsel of a qualified REALTOR&reg;, attorney, and tax expert.</span></p> <p><span style="font-family: 'times new roman', times;"><span style="font-family: Verdana;"><strong><span style="font-size: x-small;"><span style="font-size: 8.33333px;">Federal Government Disclaimer (MARS):</span></span></strong></span><span style="font-size: 8.33333px;"><br></span><span style="font-family: Verdana;"><span style="font-size: 8.33333px;">1. You may stop doing business with us at any time. You may accept or reject the offer of mortgage assistance we obtain from your lender [or servicer]. If you reject the offer, you do not have to pay us. If you accept the offer, you will have to pay us commission as agreed to in listing contract for our services.<br>2. Susan Goulding of&nbsp;Crown Key Realty is not associated with the government, and our service is not approved by the government or your lender; and&nbsp;<br>3. Even if you accept this offer and use our service, your lender may not agree to change your loan.</span></span></span></p> <p>&nbsp;</p> <p>&nbsp;</p> <div id="seolinx-tooltip" style="border: 1px solid #000000; display: none; margin: 0pt; padding: 0pt; width: auto;"> <table border="0" style="border: 0pt none; border-collapse: separate; margin: 0pt; padding: 0pt; width: auto;"> <tbody> <tr> <td id="seolinx-table" style="border: 0pt none; font-family: Tahoma; font-size: 11px; font-weight: bold; margin: 1px; padding: 0pt;"> <div style="margin: 0pt; padding: 0pt; overflow: auto; width: auto;"> <table border="0" id="seolinx-paramtable" style="border: 1px solid gray; border-collapse: separate; margin: 0pt;"> <tbody> <tr> <td style="border: 1px solid gray; color: darkgreen; font-family: Tahoma; font-size: 7pt; font-weight: bold; white-space: nowrap; padding: 2px;"> <img src="http://toolbarqueries.google.com/favicon.ico" height="12px" alt="" width="12px" style="vertical-align: middle;">&nbsp;PR: <a title="Google pagerank" style="color: blue; 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display: none; margin: 0pt; padding: 0pt; width: auto;"> <table border="0" style="border: 0pt none; border-collapse: separate; margin: 0pt; padding: 0pt; width: auto;"> <tbody> <tr> <td id="seolinx-table" style="border: 0pt none; font-family: Tahoma; font-size: 11px; font-weight: bold; margin: 1px; padding: 0pt;">&nbsp;</td> <td title="close" id="seolinx-tooltip-close" style="border: 0pt none; cursor: pointer; margin: 0pt; padding: 1px; vertical-align: middle; width: auto;"><img alt=""></td> </tr> </tbody> </table> </div> <div id="seolinx-tooltip" style="border: 1px solid #000000; display: none; margin: 0pt; padding: 0pt; width: auto;"> <table border="0" style="border: 0pt none; border-collapse: separate; margin: 0pt; padding: 0pt; width: auto;"> <tbody> <tr> <td id="seolinx-table" style="border: 0pt none; font-family: Tahoma; font-size: 11px; font-weight: bold; margin: 1px; padding: 0pt;">&nbsp;</td> <td title="close" id="seolinx-tooltip-close" style="border: 0pt none; cursor: pointer; margin: 0pt; padding: 1px; vertical-align: middle; width: auto;"><img alt=""></td> </tr> </tbody> </table> </div> <div id="seolinx-tooltip" style="border: 1px solid #000000; display: none; margin: 0pt; padding: 0pt; width: auto;"> <table border="0" style="border: 0pt none; border-collapse: separate; margin: 0pt; padding: 0pt; width: auto;"> <tbody> <tr> <td id="seolinx-table" style="border: 0pt none; font-family: Tahoma; font-size: 11px; font-weight: bold; margin: 1px; padding: 0pt;">&nbsp;</td> <td title="close" id="seolinx-tooltip-close" style="border: 0pt none; cursor: pointer; margin: 0pt; padding: 1px; vertical-align: middle; width: auto;"><img alt=""></td> </tr> </tbody> </table> </div> </div> </blockquote> </div> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Wed, 11 Apr 2012 00:16:00 -0700 http://activerain.com/blogsview/3150455/bank-of-america-short-sales-in-northern-ca-change-is-a-coming http://activerain.com/blogsview/3147855/using-your-ira-401k-for-real-estate-investing-pottstown- <p></p><p><span style="color: #333333; font-size: 12px; text-align: left;">David Artigliere writes a post about using your IRA/401K funds to buy investment properties. Last year I helped a buyer in Temecula California purchase with funds from his Equity Trust account. The process is a little different from buying with all cash or mortgage financing, but overall it was easy.</span></p> <p style="text-align: left;"><span style="color: #333333;"><span style="font-size: 12px;"><br></span></span></p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/3120252/using-your-ira-401k-for-real-estate-investing-pottstown-">David Artigliere, ARTI Home Inspections, ASHI Certified Home Inspector (Reading, Pottstown, Norristown, Philadelphia)</a></b>:<br><blockquote> <p style="text-align: center;"><strong>Using your IRA/ 401K for <a href="http://www.artihomeinspections.com/Investor-Building-Inspectio.html" title="real estate investing pottstown" target="_blank">Real Estate Investing</a> (Pottstown)</strong></p> <p>&nbsp;<a title="real estate investing pottstown"><img title="condo pottstown pa" src="http://activerain.com/image_store/uploads/1/0/7/6/5/ar133407067556701.jpg" height="166" alt="condo" style="float: right; margin: 6px;" width="222"></a></p> <p>My wife, Tina, and I have been <strong>investing</strong> in <strong>real estate</strong> around <strong>Pottstown</strong>, PA since 1997. &nbsp;As self-employed professionals, we found it was next to impossible to get financing after the economic downturn started. &nbsp;We started to look at other options and one of those options was using our retirement funds for real estate investing. &nbsp;In other words, we started using our <strong>401K</strong> and <strong>IRA</strong> accounts to buy homes!</p> <p>&nbsp;</p> <p>This type of<strong> investing</strong> is called "self-directed IRA" <strong>investing</strong> and we are just sorry we didn't try this sooner. &nbsp;"Self-directed" means that the account owner can select any assets of their choice for investment purposes, provided it's not prohibited by the IRS. &nbsp;<strong>Real estate</strong> is one of the popular choices, but you can also direct your investments towards buying a business, investing in notes, tax liens, stocks, raw land, etc.</p> <p>&nbsp;</p> <p>Tina and I have been <strong>real estate investing</strong> for years and we are comfortable with finding good deals. &nbsp;One of the largest benefits of using our retirement accounts for investing is that we can control our investment returns and watch those gains compound and grow tax-free in our Roth accounts (grows tax-deferred in traditional accounts). Keep in mind, the real estate must be for investment purposes only (no personal use) and everything is titled in the name of the<strong> 401K</strong> or <strong>IRA</strong>. &nbsp;You also cannot pocket any of the gains for yourself personally. &nbsp;The profit must be kept in the retirement account. &nbsp;Failure to follow the proper process and rules could lead to IRS penalties. Make sure to do your research! &nbsp; A great place to start is by speaking with a third-party administrator like <a href="http://www.camaplan.com" title="401k for real estate investing" target="_blank">camaplan.com</a> or meeting other investors who are already doing what you want to do!</p> <p>&nbsp;</p> <p>We will be presenting on this topic at the next "Berks County Investors" meetup on Wednesday 4/11/12 at 6:30pm and will be speaking from a real estate investor's perspective on "self-directed <strong>401K and IRA Investing</strong>" and will cover the following:</p> <p><em>Overview of investing in Real Estate with your IRA or 401K</em></p> <p><em>Roth vs Traditional accounts</em></p> <p><em>Paperwork and process</em></p> <p><em>"Checkbook Control" method</em></p> <p><em>Benefits/disadvantages of using your IRA or 401K for real estate investing</em></p> <p><em>Purchase methods- cash vs non-recourse loans</em></p> <p><em>UBTI/UDFI tax</em></p> <p><em><br></em></p> <iframe scrolling="no" src="http://maps.google.com/maps?f=q&amp;source=s_q&amp;hl=en&amp;geocode=&amp;q=Reading+Country+Club,+5311+Perkiomen+Avenue&amp;aq=1&amp;oq=5311+perkiomen+ave,+reading&amp;sll=37.0625,-95.677068&amp;sspn=34.861942,86.572266&amp;ie=UTF8&amp;hq=Reading+Country+Club,+5311+Perkiomen+Avenue&amp;hnear=&amp;radius=15000&amp;t=m&amp;ll=40.303817,-75.849548&amp;spn=0.071946,0.071946&amp;output=embed" frameborder="0" height="350" width="425"></iframe><br><small><a href="http://maps.google.com/maps?f=q&amp;source=embed&amp;hl=en&amp;geocode=&amp;q=Reading+Country+Club,+5311+Perkiomen+Avenue&amp;aq=1&amp;oq=5311+perkiomen+ave,+reading&amp;sll=37.0625,-95.677068&amp;sspn=34.861942,86.572266&amp;ie=UTF8&amp;hq=Reading+Country+Club,+5311+Perkiomen+Avenue&amp;hnear=&amp;radius=15000&amp;t=m&amp;ll=40.303817,-75.849548&amp;spn=0.071946,0.071946" style="color: #0000FF; text-align: left;">View Larger Map</a></small> <p style="text-align: center;">&nbsp;This meetup will be held at the Reading Country Club at 5311 Perkiomen Ave in Reading, PA. Food is available at an additional cost and a small fee of $5 may be required to pay for the table space.</p> <p><img title="home inspector pottstown" src="http://activerain.com/image_store/uploads/2/6/3/0/2/ar133407095520362.JPG" height="105" alt="home inspector pottstown" style="float: left; margin: 6px;" width="140"></p> <p>&nbsp;</p> <p>David Artigliere is a <a href="http://www.pottstownhomeinspector.com" title="home inspector pottstown" target="_blank">home inspector around Pottstown</a> and <a href="http://www.readinghomeinspector.com" title="reading home inspector" target="_blank">Reading</a> and works with homebuyers and real estate investors in the area. &nbsp;</p> <p>He is available 7 days a week and can be reached by visiting his website at <a href="http://www.artihomeinspections.com" title="ARTI Home Inspections LLC" target="_blank">www.artihomeinspections.com</a> or calling (610) 220-1907.</p> </blockquote> </div> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Tue, 10 Apr 2012 09:03:15 -0700 http://activerain.com/blogsview/3147855/using-your-ira-401k-for-real-estate-investing-pottstown- http://activerain.com/blogsview/3147843/information-or-knowledge <p></p><p>Mark Brian, Silver Star Real Estate, makes a very good point in his post today about the accuracy of "google." We may think who needs a library anymore when there's wikipedia, but it's a known fact that there are many inaccuracies on wiki. Use google and wikipedia with caution.</p> <p>Especially when it comes to real estate, find a good local, broker/agent who's knowledgeable and experienced.</p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/3147396/information-or-knowledge">Mark Brian (Silver Star Real Estate LLC)</a></b>:<br><blockquote> <p>Good morning! Really getting excited about going to RETSO and learning new ways to use technology to help sell real estate and get more traffic to my website. And to get more people to click...</p> <p>I just hope I can learn how to get serious people to click. It seems I get way too many fruitloops and unrealistic people to click. Often I wonder if it is just me or are that many delusional people in the world?</p> <p>It appears that some people have unrealistic expectations or are woefully unprepared or misinformed about real estate. And when you try to share your knowledge and experience, they insist that they know better because they read somewhere on the internet...</p> <p>Last night, my wife and I were watching some silly sitcom and there were 2 women meeting with an attorney to help them with some problem. Not exactly sure what the problem was or even what the name of the show was.</p> <p>So one of the women asks the attorney a question and he answers.</p> <p>She disagrees because she had "researched" on Google...</p> <p>The attorney replied I guess graduating at the top of my class at Yale and being an attorney for 10 years is not in the same league as Googling something...</p> <p>Yes you can find information on the internet.</p> <p>But is it correct?</p> <p>Will that information, even if it is correct, help you to make the correct decision?</p> <p>There is a difference between finding information on the internet and having the knowledge and experience to use that information to make a wise decision...</p> <p>Just something to consider...</p> <p>Moving on, I posted an article this morning over on my website I hope you will check out. Today I wrote about the latest Fannie Mae National Housing Survey. It has plenty of information about the attitudes of consumers about home prices, mortgage rates, rents and much more. Of course, I must say this is information and not knowledge LOL. Anyway, I hope you will please check out <a href="http://blog.upstate-south-carolina.com/wp/fannie-mae-march-2012-national-housing-survey/" title="Fannie Mae March 2012 National Housing Survey and the attitudes of consumers about home prices, mortgage rates, rents and more" target="_self">Fannie Mae March 2012 National Housing Survey<br></a></p> <div class="agent_signature"> <p style="text-align: center;"><span style="font-family: arial black,avant garde; font-size: medium;">Mark Brian&nbsp; Silver Star Real Estate</span></p> <p style="text-align: center;"><span style="font-family: arial black,avant garde;"><span style="font-size: medium;"><span style="font-family: arial black,avant garde;"><span style="font-size: medium;"><a href="http://www.upstate-south-carolina.com" title="Realtor web site for Anderson, Oconee and Pickens county real estate in Upstate South Carolina with free MLS search, market reports, information and articles" target="_blank">Upstate South Carolina Real Estate</a></span></span></span></span></p> <p style="text-align: center;"><strong><a href="http://www.upstate-south-carolina.com/search.html" title="search real estate MLS listings Upstate South Carolina" target="_self">Search All Listings</a> <br></strong></p> <p>&nbsp;</p> <p style="text-align: center;"><a href="http://www.facebook.com/markrbrian" rel="nofollow" target="_blank"><img src="http://www.upstate-south-carolina.com//images/page_upload/2/facebook2.png" alt="upstate south carolina realtor facebook" style="width: 125px; height: 125px;"></a>&nbsp;&nbsp; <a href="http://twitter.com/markbrian" rel="nofollow" target="_blank"><img src="http://www.upstate-south-carolina.com//images/page_upload/2/twitter2.png" alt="upstate south carolina realtor twitter mark brian" style="width: 125px; height: 125px;"></a></p> <p>&nbsp;</p> <center><a href="http://www.greatrealestate.com/SearchRealestate.aspx?ID=82A395A169694065A8550189F8B" target="_blank"><img title="Search Real Estate" src="http://www.greatrealestate.com/SearchRealEstate/FindDreamHome_LG.jpg" border="0" alt="Search Real Estate"></a></center> </div> </blockquote> </div> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Tue, 10 Apr 2012 08:58:58 -0700 http://activerain.com/blogsview/3147843/information-or-knowledge http://activerain.com/blogsview/3139289/hey-who-put-that-pig-farm-there- <p></p><p>On a clear day or not so clear day, you can smell dairy farms. Some say it's the "smell of money." To others the smell is well, not so pleasant. Because there are working dairy farms in Riverside County California, a home buyer might want to consider the proximity of a dairy farm to the home they are considering purchasing.&nbsp;</p> <p>Jeff Dowler of Carlsbad California writes a post on pig farms and nude beaches. What might they have in common?</p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/3137321/hey-who-put-that-pig-farm-there-">Jeff Dowler ~ Carlsbad Homes for Sale ~ 760-840-1360 (Solutions Real Estate (CA DRE Lic. # 01490977))</a></b>:<br><blockquote> <h1 class="MsoNormal" style="text-align: center; margin: 0in 0in 0pt;"><strong><span style="font-family: Times New Roman; font-size: small;">Hey! Who Put That Pig Farm There?</span></strong></h1> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">&nbsp;</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">It&rsquo;s all about location&hellip;so they say. </span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;">&nbsp;</p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">But sometimes the location comes with, well, what some folks feel are annoyances that shouldn't be there.</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">&nbsp;</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;"><img title="Pig" src="http://activerain.com/image_store/uploads/1/5/6/8/0/ar133376668408651.jpg" height="225" alt="Pig" style="float: left; margin-left: 35px; margin-right: 35px;" width="300">We lived in <strong>Bolton MA</strong> a number of years ago, a fairly affluent and somewhat rural community along the 495 corridor about 30 miles west of Boston. Definitely a &ldquo;bedroom community&rdquo; as the term goes. [<em>photo courtesy of <a href="http://www.flickr.com/photos/wattagnet/">wattpublishing</a> on Flickr</em>].</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">&nbsp;</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">Some of the more rural areas were being developed with expensive, custom-built homes on large lots as the town was growing during the DotCom craze of the mid to late 1990s and there was quite some brouhaha about a <strong>pig farm</strong> in one of these upscale neighborhoods.</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">&nbsp;</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">Seems that on warm, and windy, days the owners of these expensive custom-built homes no longer had to guess a pig farm was in the area.</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">&nbsp;</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">Of course <strong>the pig farm had been there for years</strong>, and everyone knew it, plus it was disclosed to the folks buying these newly built &ldquo;yuppie&rdquo; homes. They bought anyway.</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">&nbsp;</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">But that didn&rsquo;t stop folks from complaining, and filing lawsuits to try to get the pig farm shut down, or at least having the pigs excommunicated.</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">&nbsp;</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">It didn&rsquo;t work. As many of the townspeople said&hellip;the pigs were there first. But it made for great scandalous reading in the local paper for ages, and lots of gossip in this small town.</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">&nbsp;</span></p> <p class="MsoNormal" style="text-align: center; margin: 0in 0in 0pt;"><strong><span style="font-size: small;"><span style="font-family: Times New Roman;">The pigs remind me of the occasional media-worthy griping in pricey La Jolla about Black&rsquo;s Beach. </span></span></strong></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">&nbsp;</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;"><img title="Black's Beach in La Jolla CA below the Torrey Pines Hang Gliderport" src="http://activerain.com/image_store/uploads/3/6/3/4/6/ar133376691164363.jpg" height="263" alt="Black's Beach in La Jolla CA below the Torrey Pines Hang Gliderport" style="float: right; margin-left: 35px; margin-right: 35px;" width="350">It&rsquo;s not uncommon for some homeowners in the pricey residential area on the bluff to complain that the beach far below, in part, is a nude beach.<span>&nbsp; </span></span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;">&nbsp;</p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">Guess when you spend upwards of 8 digits to live on a cliff overlooking the ocean you don&rsquo;t want to be troubled by some naked people running around on the beach a hundred feet below.&nbsp; [<em>the view in the photo is from the Torrey Pines Hang Gliderport</em>]</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">&nbsp;</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small;"><span style="font-family: Times New Roman;"><strong>Black&rsquo;s Beach</strong>, like the pig farm, has been that way for many years although there are attempts to alter it. And pretty much everyone knows about this famous Southern California beach. </span></span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;">&nbsp;</p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small;"><span style="font-family: Times New Roman;">Not sure it&rsquo;s a mandatory disclosable item, though, but probably not a bad thing to share, just in case. Clearly some buyers have an issue with the beach.</span></span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">&nbsp;</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;"><strong>As a buyer it pays to do your due diligence</strong> in the event there is something in the area that you might find offensive &ndash; an industrial park, a mall, a group home (<em>a big controversy in the Bressi Ranch master planned community in Carlsbad</em>), railroad tracks and so on. You may not be able to just make them go away, and after the fact, well, it&rsquo;s too late.</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;">&nbsp;</p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">And as an agent, what do YOU disclose?</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">&nbsp;</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;">And good stories in YOUR area?</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Times New Roman; font-size: small;"><br></span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center;"><span style="font-family: Times New Roman; font-size: small;"><em>Some other things to consider in our area - flight paths for Palomar Airport Road, surfers parking in residential areas (noise, changing clothes by the side of the road)</em><br></span></p> <div class="agent_signature"> <p style="text-align: center;">&nbsp;</p> <p style="text-align: left;"><img title="My Jeff Dowler signature" src="http://activerain.com/image_store/uploads/1/8/5/6/9/ar128536967196581.png" height="59" alt="My Jeff Dowler signature" width="164"></p> <p style="text-align: left;">&nbsp;</p> <p style="text-align: center;">**************************************</p> <p style="text-align: center;"><a href="http://www.facebook.com/pages/365-Things-to-Do-in-Carlsbad/171771736205883" title="365 Things to Do in Carlsbad (and Nearby)" target="_blank"><img title="365 Things to Do in Carlsbad (and Nearby) on Facebook" src="http://activerain.com/image_store/uploads/6/1/5/5/0/ar130076472905516.jpg" height="90" alt="365 Things to Do in Carlsbad (and Nearby) on Facebook" width="120"></a>&nbsp;&nbsp; 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<a href="http://www.crs.com/msite/6574929" title="www.ArHomeinCarlsbad.com and search for Carlosbad Homes for Sale" target="_blank"><img title="Southern California Chapter of Certified Residential Specialists (CRS)" src="http://activerain.com/image_store/uploads/9/3/1/9/4/ar129219225549139.jpg" height="82" alt="Southern California Chapter of Certified Residential Specialists (CRS)" width="200"></a></p> <p style="text-align: center;"><a href="http://www.athomeincarlsbad.com" title="My new Carlsbad real estate website - www.AtHomeInCarlsbad.com" target="_blank">&nbsp;<img title="My New Brokerage - Solutions Real Estate in Carlsbad CA" src="http://activerain.com/image_store/uploads/7/7/8/5/4/ar129589192345877.jpg" height="79" alt="My New Brokerage - Solutions Real Estate in Carlsbad CA" width="200"></a></p> <p style="text-align: center;">&nbsp;</p> <p style="text-align: center;"><span style="font-size: medium;"><a href="http://about.me/CaliforniaRelocationDude" title="All about the California Relocation Dude in Carlsbad California" target="_blank"><strong>ALL ABOUT THE CALIFORNIA RELOCATION DUDE</strong></a></span></p> <p style="text-align: center;">&nbsp;</p> <p style="text-align: center;">If I can provide more information about&nbsp;<strong>Carlsbad homes and real estate for sale</strong> and surrounding areas, the housing market in general (or locally), or otherwise assist you, friends or family&nbsp;in&nbsp;a home search or sale, please contact <strong>my mobile office or text me at (760) 840-1360 </strong>or email me at <strong><a href="mailto:JeffDowlerSolutions@gmail.com" title="My new email address">JeffDowlerSolutions@gmail.com</a></strong></p> <p style="text-align: center;"><em>Serving <a href="http://athomeincarlsbad.com/carlsbad/" title="Carlsbad real estate on www.AtHomeInCarlsbad.com" target="_blank"><strong>Carlsbad</strong></a> (including <a href="http://athomeincarlsbad.com/aviara/" title="Aviara real estate on www.AtHomeInCarlsbad.com" target="_blank"><strong>Aviara</strong></a>, <a href="http://athomeincarlsbad.com/la-costa/" title="La Costa real estate on www.AtHomeInCarlsbad.com" target="_blank"><strong>La Costa</strong></a> &amp; 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All rights reserved.</p> </div> </blockquote> </div> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; 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margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Sat, 07 Apr 2012 15:04:55 -0700 http://activerain.com/blogsview/3139289/hey-who-put-that-pig-farm-there- http://activerain.com/blogsview/3134385/temecula-valley-california-servicemembers-receive-pcs-orders <p><span id="internal-source-marker_0.6297631505107018" style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Temecula Valley California Servicemembers Receive PCS Orders</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">If you are a servicemember who has received PCS orders and are upside down in your mortgage, there are alternatives to foreclosure: short sale.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">A short sale is when your lender will accept less than what is owed on a mortgage in the sale of your home, and if your home is your principal residence, you may be able to receive up to $3000 in relocation fees.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">If you&rsquo;ve received PCS orders and wondering what you are going to do about your home in Temecula Valley California, there is help available. Please contact me, direct 951.491.4063, to discuss how a short sale may help you avoid foreclosure.</span></p> <p><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">We offer comprehensive real estate services, covering Southwest Riverside County, California.</span></p> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Thu, 05 Apr 2012 21:35:03 -0700 http://activerain.com/blogsview/3134385/temecula-valley-california-servicemembers-receive-pcs-orders http://activerain.com/blogsview/3128783/i-shall-not-but-love-you-better-after-short-sale-cancellation <p></p><p>Elizabeth Weintraub, in her usual witty style, writes a post that is all too often the scenario. Buyers agents wanting to reneg after the short sale approval letter. That is no time to renegotiate, folks! In this market, there's another buyer with cash chomping at the bit to buy. Cancel if you must, but get over it, stop the whining!</p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/3128037/i-shall-not-but-love-you-better-after-short-sale-cancellation">Elizabeth Weintraub, Sacramento Short Sale Agent, Land Park, East Sac, Lyon RE (Top 1% at Lyon Real Estate #00697006)</a></b>:<br><blockquote> <p><strong>If you want to listen to how many ways can I say no, ask me about <a href="http://homebuying.about.com/od/shortsale/f/Will-The-Bank-Pay-For-Repairs-In-A-Short-Sale.htm" title="repairs on a short sale" target="_blank">repairs on a short sale</a>.</strong> Or, price renegotiations after short sale approval. There are at least 50 ways to say no to renegotiations after short sale approval.</p> <p>As a <a href="http://elizabethweintraub.com" title="sacramento short sale agent" target="_blank">Sacramento Short Sale agent</a>, I try to be explicit when I send the approval letter to the buyer. Often I explain to buyer's agents, just in case they've been living under a rock, that their transaction is an <a href="http://homebuying.about.com/od/shortsale/f/What-You-Need-To-Know-About-Buying-An-As-Is-Short-Sale.htm" title="as is short sale" target="_blank">AS IS short sale</a>. There are no repairs. No additional credits. No adjustments to price for unforeseen conditions. If they find something wrong during a <a href="http://homebuying.about.com/od/homeshopping/qt/091107_homeinsp.htm" title="home inspection" target="_blank">home inspection</a>, they can fix it or live with it or cancel. That's the 3 choices.</p> <p>Pick one. Quit whining.</p> <p><strong>The bank will not lower the price</strong>. It would have to be a <em>major</em> defect, making the home completely unsaleable for the bank to consider a price reduction, so in 99.9% of the cases, it's just not gonna happen. Still, that doesn't stop buyers from whining about it or their agents from trying to change the terms after receipt of the <a href="http://homebuying.about.com/od/shortsale/qt/What-Is-A-Short-Sale-Approval-Letter.htm" title="short sale approval letter" target="_blank">short sale approval letter.</a> That crap comes with the territory. <em>But Mommmm . . .</em> NO. The answer is NO. No, no, no, a thousand times NO.</p> <p><em>But Mommmmmm . . . why not?</em></p> <p>Because it's stupid. It's pointless. It's a waste of time. It ain't gonna happen.</p> <p><strong>It's at these moments I see the failed attempts in my rear-view mirror, streaming like ones and zeros.</strong> I know the buyer's agents don't see that vision. They haven't been there. They haven't walked in my shoes over the years.</p> <p>Yesterday's exercise in futility occurred after waiting almost 6 months for approval. Those buyers want a price reduction. Is nobody home minding the store? For starters, it means they can live with the defect because they aren't asking for it to be fixed. The defect? They can't figure out how to turn on the heat or the AC. Their home inspector says it's broken.</p> <p>The occupants don't seem to have a problem. And if the AC turns out to be defective in some way, who cares? Bottom line is a buyer will buy this home even if the AC unit is ripped out of the yard. Be happy that hasn't happened, I want to say. But I don't, because words seem to fall on deaf ears.</p> <p>Even a very simple word like the word NO.</p> <div class="agent_signature"> <p><img title="sacramento short sale agent" src="http://activerain.com/image_store/uploads/8/2/8/6/7/ar12506909376828.PNG" height="43" alt="sacramento short sale agent" width="230" style="float: left; margin: 5px;"><img title="certified hafa specialist" src="http://activerain.com/image_store/uploads/8/8/4/3/4/ar12997948843488.jpg" height="49" alt="cerfified hafa specialist" width="50" style="float: left; margin: 10px;"></p> <p>---</p> <p>Certified HAFA Specialist<img title="elizabeth weintraub" src="http://activerain.com/image_store/uploads/5/4/8/1/3/ar133278366431845.jpg" height="117" alt="elizabeth weintraub" width="125" style="float: right; margin: 5px;"></p> <p>&nbsp;</p> <p><img src="https://images.equator.com/images/cert/AgentCert_platinum_ss_web.gif" alt=""><img title="equator certified platinum reo elizabeth weintraub" src="http://activerain.com/image_store/uploads/7/9/6/2/2/ar133260567922697.png" height="100" alt="equator certified platinum reo elizabeth weintraub" width="79" style="vertical-align: top;"></p> <p><a href="http://www.zillow.com/profile/elizabeth_weintraub/Reviews/?scrnnm=elizabeth_weintraub"><img src="http://www.zillowstatic.com/static/images/badges/5star-agent-h.png" alt="Elizabeth Weintraub reviews"></a> <span style=""> My <a href="http://www.zillow.com/homes/for_sale/Sacramento-County-CA/577944_agent_list/1_fr?scrnnm=elizabeth_weintraub" style="text-decoration: none; color: #36b;">Sacramento Real Estate</a> Listings </span></p> <p><em><a href="http://elizabethweintraub.com/" title="land park agent" target="_blank">Elizabeth Weintraub</a> is an author, <a href="http://homebuying.about.com/" title="home buying and selling" target="_blank">home buying</a>&nbsp;columnist for The New York Times-owned About.com, a Land Park resident, and a Land Park real estate agent who specializes in older, classic <a href="http://homebuying.about.com/od/marketfactstrends/ig/Land-Park-Homes/" title="homes in land park" target="_blank">homes in Land Park</a>, Curtis Park, Midtown and <a href="http://homebuying.about.com/od/marketfactstrends/ig/East-Sacramento-Homes/" title="homes in east sacramento" target="_blank">East Sacramento</a>. Weintraub is also a <a href="http://shortsaleagentsacramento.com/" title="short sale agent sacramento" target="_blank">Sacramento Short Sale agent</a> who lists and successfully sells short sales throughout the four-county Sacramento area. Call Elizabeth Weintraub at 916.233.6759. Put 35 years of real estate experience to work for you. Broker-Associate at Lyon Real Estate. DRE License # 00697006.<br><br><strong><a href="http://www.amazon.com/Short-Sale-Savior-Elizabeth-Weintraub/dp/1574723766/re" title="The Short Sale Savior" target="_blank">The Short Sale Savior,</a> by Elizabeth Weintraub, available at Amazon.com.</strong></em></p> <p><span style="color: #1f497d;"><span style="font-family: Times New Roman;"><span style="font-size: 12pt;">Lyon Real Estate is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan.</span></span></span></p> <p>Photo: Unless otherwise noted in this blog, the photo is copyrighted by Big Stock Photo and used with permission.</p> <p>The views expressed herein are Weintraub's personal views and do not reflect the views of Lyon Real Estate.</p> <p><span style="font-family: times new roman,times; font-size: xx-small;">Disclaimer: If this post contains a listing, information is deemed reliable as of the date it was written. After that date, the listing may be sold, listed by another brokerage, canceled, pending or taken temporarily off the market, and the price could change without notice. It could blow up, explode or vanish. To find out the present status of any listing, please go to elizabethweintraub.com.</span></p> <p>&nbsp;</p> </div> </blockquote> </div> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Wed, 04 Apr 2012 12:16:14 -0700 http://activerain.com/blogsview/3128783/i-shall-not-but-love-you-better-after-short-sale-cancellation http://activerain.com/blogsview/3128768/reform-of-fannie-mae-and-freddie-mac-unlikely-in-the-near-future <p></p><p>I agree with George Souto. There won't be a reform of Fannie or Freddie in the near future, or maybe any future. Something needs to be done, but unraveling the tangled mess is going to take a Congress who has economic sense. Not sure many do, if any.</p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/3121691/reform-of-fannie-mae-and-freddie-mac-unlikely-in-the-near-future">George Souto NMLS# 65149 FHA, CHFA, VA Mortgages Connecticut</a></b>:<br><blockquote> <p><big><big><img src="http://activerain.com/image_store/uploads/9/5/5/8/3/ar133340822238559.gif" height="244" alt="" style="margin: 15px; float: right;" width="325">Fannie Mae and Freddie Mac have spent over 180 billion dollars of tax payer money since 2008 when they entered into Federal Conservatorship, and the latest prediction are that they will continue to tap into taxpayer funds for at least the rest of 2012.&nbsp; Unless privatizing Fannie Mae and Freddie Mac becomes a hot political campaign issue very quickly, nothing will be done before the Presidential Election.</big></big></p> <p><big><big>What that means is that if steps to once again privatize Fannie Mae and Freddie Mac, don't happen before the Presidential Election, then in my opinion we are likely to still be talking about this issue for the Presidential Election of 2016. Fannie Mae and Freddie Mac seem very comfortable in remaining in the position that they are presently in, and to continue to dig deep into taxpayer pockets. </big></big></p> <p><big><big>Some have called for the elimination of Fannie Mae and Freddie Mac, but have not provided any reasonable alternative.&nbsp; Returning Fannie Mae and Freddie Mac back to the private sector, like they once were seems to be the only answer, but that will require action from Washington to do so.&nbsp; Given that Washington has failed to do anything meaningful to help correct the Real Estate and Financial Industries, it is unlikely that any meaningful can be expected in the near future.</big></big></p> <p>&nbsp;</p> <p style="text-align: center;">*************************************************************************************</p> <p><span style="text-decoration: underline;"><em>Info about the author:</em></span></p> <p>George Souto is a Loan Officer who can assist you with all your FHA, CHFA, and Conventional mortgage needs in Connecticut. George resides in Middlesex County which includes Middletown, Middlefield, Durham, Cromwell, Portland, Higganum, Haddam, East Haddam, Chester, Deep River, and Essex. George can be contacted at (860) 573-1308 or gsouto@mccuemortgage.com</p> </blockquote> </div> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Wed, 04 Apr 2012 12:11:42 -0700 http://activerain.com/blogsview/3128768/reform-of-fannie-mae-and-freddie-mac-unlikely-in-the-near-future http://activerain.com/blogsview/3127099/real-time-resolutions-says-chase-short-sale-incentive-is-bad-business- <p></p><p>GREED is bad business. The difficulty of a short sale when there are two mortgages with two different lenders. I've had my share of these battles, and it's no picnic. Hope Sidney Kutchuk, Temecula short sale agent, gets this resolved. Real Time Resolutions, never heard of 'em, but greed is their game.</p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/3126756/real-time-resolutions-says-chase-short-sale-incentive-is-bad-business-">Temecula short sale specialist,Cyber Sid,HAFA,HAP,Rental Hms</a></b>:<br><blockquote> <h4 style="color: #4e4e4e; font-size: 20px; vertical-align: baseline; font-family: 'Lucida Grande', 'Lucida Sans Unicode', Arial, Verdana, sans-serif; font-weight: normal; line-height: 1.4em; padding: 0px; margin: 0px;"><span style="vertical-align: baseline; background-color: transparent; color: #ff0000; padding: 0px; margin: 0px;"><strong style="vertical-align: baseline; background-color: transparent; padding: 0px; margin: 0px;">Greed at Real Time Resolutions, Inc. is bad business.</strong></span></h4> <p style="margin-top: 0px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; font-size: 12px; vertical-align: baseline; color: #333333; font-family: 'Lucida Grande', 'Lucida Sans Unicode', Arial, Verdana, sans-serif; line-height: 18px; padding: 0px;">I have a &nbsp;HAFA short sale approval from CHASE &nbsp;for my sellers through a special program from the VP at CHASE.&nbsp;This program offers the&nbsp;homeowner a $30,000 incentive to make a fresh start. Sounds to good to be true, but it is true. Here&nbsp;is<a href="http://www.temecula-shortsaleagents.com/wp-content/uploads/2012/04/scan002.pdf" title="the letter" target="_blank" style="text-decoration: none; color: #0088cc; vertical-align: baseline; background-color: transparent; padding: 0px; margin: 0px;">&nbsp;the letter</a>.</p> <p style="margin-top: 0px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; font-size: 12px; vertical-align: baseline; color: #333333; font-family: 'Lucida Grande', 'Lucida Sans Unicode', Arial, Verdana, sans-serif; line-height: 18px; padding: 0px;">Real Time Resolutions the Jr lien holder has also been &nbsp;offered an incentive of $6,000.00 to release their lien on this home.&nbsp;You would think that this is a sweat deal for all parties and they would look forward to closing this transaction and move on.</p> <p style="margin-top: 0px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; font-size: 12px; vertical-align: baseline; color: #333333; font-family: 'Lucida Grande', 'Lucida Sans Unicode', Arial, Verdana, sans-serif; line-height: 18px; padding: 0px;">Well the Short Sale Analyst at Real Time Resolutions wants the sellers to give up their CHASE &nbsp;incentive and pass it on to them.&nbsp;They will not approve this short sale with the Chase incentive going to the seller. I have pointed out to Real Time Resolutions&nbsp;that this is a<a href="http://www.ashortsale.com/" title="Short sale HAFA info" target="_blank" style="text-decoration: none; color: #0088cc; vertical-align: baseline; background-color: transparent; padding: 0px; margin: 0px;">&nbsp;HAFA</a>&nbsp;approved short sale and they are being offered the maximum allowed to a Jr lien holder. Also in California&nbsp;the seller is not allowed to contribute any funds to the lender in a short sale (<a href="http://youtu.be/9OxaHY3pI94" title="SB458" target="_blank" style="text-decoration: none; color: #0088cc; vertical-align: baseline; background-color: transparent; padding: 0px; margin: 0px;">&nbsp;SB458&nbsp;</a>).</p> <p style="margin-top: 0px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; font-size: 12px; vertical-align: baseline; color: #333333; font-family: 'Lucida Grande', 'Lucida Sans Unicode', Arial, Verdana, sans-serif; line-height: 18px; padding: 0px;">Real Time Resolutions countered with and email that they would be forced to close this file or they would now settle for half of the buyers incentive.&nbsp;I again had to point out that the seller can not offer them any funds, it the law. They responded that it is bad business to offer the seller an incentive&nbsp;yet I think it's bad business to force a foreclosure. Their investor would net a minus $0 &nbsp;instead of the $6,000.00 incentive offered to Real Time Resolutions.</p> <p style="margin-top: 0px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; font-size: 12px; vertical-align: baseline; color: #333333; font-family: 'Lucida Grande', 'Lucida Sans Unicode', Arial, Verdana, sans-serif; line-height: 18px; padding: 0px;">I was also told by the short sales analyst at Real Time Resolution that it did not matter to who I escalated this file to I would receive the same answer.</p> <p style="margin-top: 0px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; font-size: 12px; vertical-align: baseline; color: #333333; font-family: 'Lucida Grande', 'Lucida Sans Unicode', Arial, Verdana, sans-serif; line-height: 18px; padding: 0px;">I think the greed at Real Time Resolutions is bad business, why would they want a home to go to foreclosure and not agree to the terms offered&nbsp;by the U.S. Treasury HAFA program.&nbsp;</p> <p style="margin-top: 0px; margin-right: 0px; margin-bottom: 15px; margin-left: 0px; font-size: 12px; vertical-align: baseline; color: #333333; font-family: 'Lucida Grande', 'Lucida Sans Unicode', Arial, Verdana, sans-serif; line-height: 18px; padding: 0px;">It's my plan to put the power of Google and social media to work for my clients and avoid a foreclosure. If you have a contact at RTR or any helpful info please comment to this post.</p> <div class="agent_signature"> <p>&nbsp;</p> <p><span style="font-family: comic sans ms,sans-serif; font-size: x-small;"><strong><em><span style="font-size: small;"><a href="http://www.aShortSale.com" title="Temecula Short Sale Expert" target="_blank"><img title="Cyber Sid Temecula Short Sale agent." src="http://activerain.com/image_store/uploads/5/5/7/6/9/ar125096080596755.jpg" height="45" alt="Temecula Short Sale Agent, Cyber Sid" width="32"></a>&nbsp;at your service</span></em>,</strong></span><img title="Short Sale Specialist QR Code" src="http://activerain.com/image_store/uploads/7/2/8/4/6/ar129209051264827.png" height="101" alt="Short Sale QR Code" width="90" style="float: right; margin: 1px;"></p> <p style="text-align: left;"><span style="font-family: comic sans ms,sans-serif; font-size: x-small;"><strong><span style="font-size: small;"><span style="font-size: medium;"><em><a href="https://plus.google.com/u/0/100897547529398455092/about" title="author information. by Sidney Kutchuk" target="_blank">by Sidney Kutchuk</a></em>&nbsp;</span> AKA...Cyber Sid</span><br></strong></span><span style="font-family: Comic Sans MS; font-size: x-small;"><strong style="font-size: x-small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </strong><strong><a href="http://www.realtywrks.com" title="Short Sale expert Temecula" target="_self" style="font-size: x-small;">SHORT SALE AGENT</a><span style="font-size: x-small;">&nbsp;&nbsp;</span><span style="font-size: small;">&nbsp;&nbsp;<a href="http://www.aShortSale.com" target="_blank">www.aShortSale.com</a></span></strong><br><strong style="font-size: x-small;">&nbsp;&nbsp; </strong></span><span style="font-family: Comic Sans MS; font-size: x-small;"><strong>CALL ME,</strong> <span style="font-size: small;">951.217-6745 cell </span></span></p> <p style="text-align: left;"><span style="font-size: 10px;"><span style="font-family: 'Comic Sans MS'; font-size: small;">&nbsp;</span><span style="font-family: 'Comic Sans MS'; font-size: small;"><span style="font-size: x-small;">41720 Winchester Rd #I &nbsp;Temecula Calif. 92590 &nbsp; &nbsp; &nbsp;951.676-4663 &nbsp; &nbsp;DRE# 01156692 &nbsp;<a href="http://lmgtfy.com/?q=Sidney+Kutchuk" title="Google Me" target="_blank">&nbsp;</a></span></span></span><a href="http://lmgtfy.com/?q=Sidney+Kutchuk" title="Google Me" target="_blank"><img title="Google Me" src="http://activerain.com/image_store/uploads/1/7/1/8/9/ar130258558998171.jpeg" height="19" alt="Google me" width="23" style="vertical-align: middle; margin-left: 2px; margin-right: 2px; border: 3px solid black;"></a></p> </div> </blockquote> </div> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Wed, 04 Apr 2012 00:18:53 -0700 http://activerain.com/blogsview/3127099/real-time-resolutions-says-chase-short-sale-incentive-is-bad-business- http://activerain.com/blogsview/3121356/today-s-2nd-top-tip-to-temecula-selling-agents-how-not-to-appear-rude-and-get-your-offer-accepted- <p><span id="internal-source-marker_0.4629184136569493" style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Today&rsquo;s 2nd Top Tip to Temecula Selling Agents &ndash; How Not to Appear Rude and Get Your Offer Accepted!</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">This is my second top tip to Selling Agents who want to get their buyer&rsquo;s offer accepted in the current seller&rsquo;s market,</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> which is low on inventory, and high on competition of buyers.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">My <a href="http://activerain.com/blogsview/3113683/today-s-top-tip-to-temecula-selling-agents-how-to-get-your-offer-accepted-" title="Today's top tip" target="_blank">first top tip</a> covered following MLS Agent Notes and instructions when submitting a buyer&rsquo;s offer package on short sales.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">TODAY&rsquo;S TOP TIP TO SELLING AGENTS! BE RESPECTFUL AND FOLLOW SHOWING INSTRUCTIONS THAT ARE WRITTEN IN AGENT MLS NOTES!!!</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">HOW NOT TO APPEAR RUDE:</span></p> <ol style="margin-top: 0pt; margin-bottom: 0pt;"> <li style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Don&rsquo;t ask the listing agent why the sellers are showing their home on certain days, and/or by appointment only and/or why there isn&rsquo;t a supra lockbox on the front door.</span></li> <li style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Don&rsquo;t ask why there isn&rsquo;t a sign in the front yard</span></li> <li style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Don&rsquo;t ask what the sellers&rsquo; hardship is.</span></li> </ol> <p><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Number 1: It&rsquo;s none of the selling agent or buyer&rsquo;s business why the sellers choose not to install a lockbox,</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> or to show on specific days of the week and times, or by appointment only. Insisting your buyers are special and should be given special treatment because they are from out of town makes no difference. The selling agent's lack of planning is not the listing agent's emergency. It is rude to even ask.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">*Warning: Not following showing instructions in the MLS Agent Notes and showing up at the homeowner&rsquo;s door unannounced will get a selling agent a complaint with their local board.*</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Number 2: It&rsquo;s none of the selling agent or buyer&rsquo;s business why the sellers choose not to install a &ldquo;For Sale&rdquo; sign </span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">in their front yard. Think about it: It&rsquo;s kind of a &ldquo;duh&rdquo;.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Number 3: Just as in a standard sale, a short sale is no different, and the selling agent and the buyer do not need to know the homeowner&rsquo;s financial situation</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> and why they are short selling their home.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">I&rsquo;m appalled I even have to write this post, but rudeness seems to be prevalent. Just because we&rsquo;re experiencing a tough real estate market doesn&rsquo;t justify being rude.</span><br><br></p> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Mon, 02 Apr 2012 14:14:14 -0700 http://activerain.com/blogsview/3121356/today-s-2nd-top-tip-to-temecula-selling-agents-how-not-to-appear-rude-and-get-your-offer-accepted- http://activerain.com/blogsview/3113683/today-s-top-tip-to-temecula-selling-agents-how-to-get-your-offer-accepted- <p><span id="internal-source-marker_0.1828630392407501" style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Today&rsquo;s Top Tip to Temecula Selling Agents -- How to Get Your Offer Accepted!</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">With lower inventory and less homes on the market for buyers, </span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">getting an offer accepted on a short sale listing in Temecula Valley California is going to be the challenge for the rest of 2012.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">My niche is listing Temecula short sales, and closing them!</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> How I do that is from experience and knowledge that can&rsquo;t be imparted in one blog post.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Banks and lenders do not accept sloppy paperwork and incomplete short sale packages from me or my short sale sellers.</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> Why would selling agents expect listing agents and their sellers to accept a selling agent&rsquo;s sloppy paperwork and their buyer&rsquo;s incomplete offer package?</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">TODAY&rsquo;S TOP TIP TO SELLING AGENTS! READ AND FOLLOW THE MLS NOTES!!</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">I know selling agents know how to read, </span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">because they have (or should have) a license that is in good standing with the State of California&rsquo;s Department of Real Estate. Right?</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">What is so difficult in following agent notes or instructions?</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">If the MLS Notes state offer to include proof of funds, then that means buyer&rsquo;s proof of funds should be their proof of funds and verifiable as the buyer&rsquo;s proof of funds.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Including proof of funds from a LLC, or trust fund that has a different name other than the buyer&rsquo;s name stated on the contract must include the Articles that show the buyer is the authorized signor on the account. Not including Articles is an incomplete offer package!!!!!</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">NEXT&hellip;..</span></p> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Sat, 31 Mar 2012 13:57:11 -0700 http://activerain.com/blogsview/3113683/today-s-top-tip-to-temecula-selling-agents-how-to-get-your-offer-accepted- http://activerain.com/blogsview/3103935/cst-california-standards-tests-in-april <p><span id="internal-source-marker_0.1433217717831059" style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">CST, California Standards Tests, In April</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">According to my son, <a href="http://www.khanacademy.org/" title="khanacademy.org" target="_blank">Khan Academy website</a> is awesome! What is truly unbelievable is the site is free for public use.</span><br><img title="CST, California Standard Tests, in April" src="http://activerain.com/image_store/uploads/3/6/5/3/6/ar133300209363563.png" height="176" alt="math" width="278" style="float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 20px; margin-right: 20px;"><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">With this year&rsquo;s CST tests</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> right around the corner, students can go over last year&rsquo;s CST questions that are posted on the site.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">KhanAcademy.org was founded by Salman Khan</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">, MIT graduate in Mathematics. He started tutorials on Youtube for family members that needed some extra help in math. Now the site has grown and offers other subjects, as well.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Khan Academy is a non-profit educational organization</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> and is funded entirely by donations, but most notable from the Bill &amp; Melinda Gates Foundation and Google. Take a moment to visit the site and pass it on to students you know who are preparing for the CST next month.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">I know April is always a little stressful time of year at our house.</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> California students must go through hours of testing each year. If they have confidence they know the material it will make test days a little less stressful.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">CST test scores are an important part of the grading process.</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> Better scores allow students to progress to more advanced classes. My son&rsquo;s charter middle school CST overall score last year was 922, and the school ranked fourth in the state. They are a smart class! </span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">The internet is a place for free exchange of ideas and information. </span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Having the freedom to choose is what makes America great. </span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline;">Good luck to all California students during CST month!</span></p> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Wed, 28 Mar 2012 23:24:08 -0700 http://activerain.com/blogsview/3103935/cst-california-standards-tests-in-april http://activerain.com/blogsview/3085715/citizen-watchdog-sites-eyes-on-the-bad-and-the-ugly <p><span id="internal-source-marker_0.9765673999868162" style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Citizen Watchdog Sites &ndash; Eyes on the Bad and the Ugly</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">On ActiveRain we have <a href="http://activerain.com/davidsaks" title="David Saks" target="_blank">David Saks</a>, who posts case after case of licensed real estate and mortgage professionals who get caught breaking real estate laws, committing fraud and swindling consumers and banks out of money.</span><br><img title="Citizen Watchdog Sites - Eyes on the Bad and the Ugly" src="http://activerain.com/image_store/uploads/2/2/7/9/3/ar133260286839722.png" height="194" alt="swindler" width="186" style="float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 20px; margin-right: 20px;"><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Attorney fraud is rampant</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">. Maybe because I&rsquo;m in the real estate business, but I&rsquo;m no longer astonished to see foreclosure relief scams master-minded by attorneys to swindle hard-earned money from distressed homeowners. This just turns my stomach.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"><a href="http://evilesq.com/" title="evilesq.com" target="_blank">Evilesq.com</a> is a watchdog site that calls out by name those lawyers who break their own American Bar Association (ABA) code of ethics, and swindle money from their clients. We expect attorneys to hold themselves to a higher standard, although expect to see more attorney fraud.<strong> Sometimes it is necessary to hire an attorney, but proceed with caution.</strong></span><br><br></p> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Sat, 24 Mar 2012 08:31:35 -0700 http://activerain.com/blogsview/3085715/citizen-watchdog-sites-eyes-on-the-bad-and-the-ugly http://activerain.com/blogsview/3081572/foreclosed-homeowners-occupy-bank-of-america-branch <p><span id="internal-source-marker_0.8656026746339215" style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Foreclosed Homeowners Occupy Bank of America Branch</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">If you&rsquo;ve been foreclosed on by Bank of America,</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> I don&rsquo;t see how occupying the lobby at Bank of America branch is going to make a difference, other than getting arrested for trespassing.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">If we learn anything from the mortgage meltdown,</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> we know by now that government cannot save homeowners from foreclosure. There is no magic bullet other than being <a href="http://activerain.com/blogsview/3071156/april-is-california-s-financial-literacy-month" title="financial literacy" target="_blank">financially literate</a> and responsible. </span></p> <p><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"><strong>Our economy is closely tied to the housing market.</strong> Realize it's not homeowners' fault they lost their jobs, or income, and faced rising living expenses, like GAS, food and utilities. It's expected living expenses will continue to rise. California will experience a 10% rise in electricity costs each year. Plan accordingly.</span></p> <p><em><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Note: Today's home buyers should factor rising costs in their budget before buying a home.</span></em><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Read loan documents and understand them before signing.</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> States vary in the foreclosure process. Homeowners can become educated about the laws and understand their rights.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">If you are facing foreclosure, do not leave your home until you have written proof there has been a transfer of title. </span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Do not rely on what a customer service representative at your loan servicer tells you about the status of your loan. Get the facts before making a decision to abandon your home. There is help available: loan modification, short sale, deed-in-lieu.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Most important: <a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="foreclosure relief rescue scams" target="_blank">beware of foreclosure relief rescue scams</a>,</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> and that it is illegal in California for a third-party to take upfront fees for a loan modification. Getting help and information should not cost money.</span></p> <p><iframe src="http://www.youtube.com/embed/jUzMLu4K_2o" frameborder="0" height="315" width="560"></iframe></p> <p><span style="font-family: Arial;"><span style="font-size: 15px;"><br></span></span></p> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Fri, 23 Mar 2012 08:54:54 -0700 http://activerain.com/blogsview/3081572/foreclosed-homeowners-occupy-bank-of-america-branch http://activerain.com/blogsview/3071156/april-is-california-s-financial-literacy-month <p><span id="internal-source-marker_0.8655703735402315" style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">April is California&rsquo;s Financial Literacy Month</span><br><img title="April is California's Financial Literacy Month" src="http://activerain.com/image_store/uploads/4/8/4/5/7/ar133230169475484.png" height="197" alt="money tree" width="168" style="float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 20px; margin-right: 20px;"><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">There&rsquo;s a wealth of information and resources on learning how to manage your personal and business finances on the California Financial Literacy Month Blog. Because April is California&rsquo;s Financial Literacy Month, the website features upcoming workshops that may be held in your area.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Learn what you may not have learned in high school or college about finances. </span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">If you are considering taking the next step toward homeownership, or just want to know how to improve your financial health, this website may be for you.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #ff00ff; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"><a href="http://caflm.blogs.ca.gov/" title="Californian Financial Literacy Month" target="_blank">caflm.blogs.ca.gov</a></span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">If you are a first-time homebuyer,</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> and would like help in your home search in Temecula Valley California, please feel free to contact me direct 951.491.4063. You can also visit <a href="http://www.searchtemeculavalleyhomes.com/" title="SearchTemeculaValleyhomes.com" target="_blank">my website to search for homes</a> in Southwest Riverside County.</span><br><br><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">If you have an underwater mortgage on your Temecula Valley California home</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: normal; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;"> and may be facing foreclosure, please contact me for a free consultation at no-obligation to see if a short sale may be right for you. &nbsp;</span><span style="font-size: 16px; font-family: Arial; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline;">Call today 951.491.4063, Pamela Seley, REALTOR&reg; and Temecula short sale agent</span></p> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://picasaweb.google.com/pamelaseley" title="Pamela Seley's Picassa web albums" target="_blank"><img title="Pamela Seley's Picassa web albums" src="http://activerain.com/image_store/uploads/5/2/4/5/5/ar130878656055425.png" height="30" alt="picassa button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="http://feedburner.google.com/fb/a/mailverify?uri=PamelaSeleysTemeculaValleyCaliforniaRealEstateBlog&amp;loc=en_US" title="subscribe via email" target="_blank"><img title="Subscribe via email" src="http://activerain.com/image_store/uploads/2/3/0/4/9/ar130878784494032.jpeg" height="30" alt="email button" style="vertical-align: middle; margin: 20px;" width="30"></a><a href="https://plus.google.com/u/0/b/106483614990800446371/106483614990800446371/posts" title="Temecula Homes for Sale, Pamela Seley, REALTOR&amp;reg;" target="_blank"><img title="Pamela Seley on Google+" src="http://activerain.com/image_store/uploads/6/5/5/9/2/ar131121308729556.png" height="30" alt="google+" style="vertical-align: middle; margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Tue, 20 Mar 2012 21:04:08 -0700 http://activerain.com/blogsview/3071156/april-is-california-s-financial-literacy-month http://activerain.com/blogsview/3068818/send-your-rent-checks-to-123-wall-street <p></p><p>My opinion is rogue, I know, but it's time we stopped caving in and buying what the government is selling us. I recommend home buyers to buy standard or short sales, and pass over the bank-owned ones, besides most of the REOs smell bad anyway.</p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/3067749/send-your-rent-checks-to-123-wall-street">Las Vegas Real Estate - Summerlin Homes Paul Francis - (702) 592.3058 (Prudential Americana Group - REALTORS)</a></b>:<br><blockquote> <h1><strong>Send Your Rent Checks to 123 Wall St</strong></h1> <p>A fantastic post on Rolling Stone concerning the latest and greatest Housing Program that you can read here:</p> <h2><a href="http://www.rollingstone.com/politics/blogs/taibblog/another-hidden-bailout-helping-wall-street-collect-your-rent-20120319" title="Another Hidden Bailout to Help Wall St. make more Money" target="_blank">Another Hidden Bailout - Helping Wall St. Collect Your Rent</a></h2> <p><img title="Financial Terrorists Profiting on the mess they helped create in the first place" src="http://activerain.com/image_store/uploads/3/8/2/3/7/ar133223218473283.jpg" height="198" alt="Financial Terrorists " style="float: right; margin: 3px;" width="300">From the Article:</p> <blockquote> <p><em>In con artistry parlance, they call this the "reload." That's when you hit the same mark twice &ndash; typically with a second scam designed to "fix" the damage caused by the first scam. Someone robs your house, then comes by the next day and sells you a fancy alarm system, that's the reload.</em></p> <p><em>In this case, banks pumped up the real estate market by creating huge volumes of subprime loans, then dumped a lot of them on, among others, Fannie and Freddie, the ever-ready enthusiastic state customer. Now the loans have crashed in value, yet the GSEs (Government Sponsored Enterprises) are still out there feeding the banks money through two continuous bailouts.</em></p> <p><em>One, they continue to buy mortgages from the big banks (until recently, even from Bank of America, whom the GSEs were already suing for sales of toxic MBS), giving the banks a permanent market for home loans.</em></p> <p><em>And secondly, they conduct these quiet bulk sales of mortgages, in which huge packets of home loans are sold to banks at a "big discount."</em></p> </blockquote> <div>I don't know about anybody else, but I'm not entirely too happy putting in offers on the very few Las Vegas bank owned homes coming up for sale with buyers looking for something nice knowing that a slew of Fannie Mae, Freddie Mac and FHA owned homes are being sold off at a "Deep Discount" at the expense of the U.S. Taxpayer to some of the very same entities that helped create the real estate foreclosure fiasco in the first place.</div> <p><a href="http://www.lasvegasrealestatehome.com/blog/33-offers-on-a-las-vegas-bank-owned-home-in-five-days-tells-the-story-of-what-is-really-going-on-wit.html" title="Multiple Offers on Las Vegas Bank Owned Homes" target="_blank">33 offers on the latest Las Vegas bank owned property</a> within days of it coming up for sale. I just heard about 41 offers on another Bank Owned property. The real housing problem is the delay caused in getting rid of all the overinflated bad home loans out there.</p> <p>And properties need to be sold off to big institutional investors at a deep discount?</p> <p>For the savvy real estate agent that has an understanding about Supply vs. Demand, you know what the "hidden" sales are really all about. The manipulation of supply and not putting these same homes on the open market so that the demand on what is put up for sale on the traditional market is artificially high resulting in higher real estate prices -- all at the expense of the new buyers.</p> <p>A brilliant article that unfortunately... did not come from somebody licensed to sell real estate or is part of an association that is supposed to be the "Voice of Real Estate". Perhaps it's better that way since maybe the average U.S. Taxpayer will take note of the fleecing that is taking place.</p> <blockquote> <p><em>As one hedge fund analyst put it to me this morning: "Help inflate the bubble, create a foreclosure crisis, buy homes in bulk, and rent them out to the same average homeowner."</em></p> </blockquote> <div>And we are supposed to buy into this "<a href="http://activerain.com/blogsview/3028651/rally-to-protect-the-american-dream-or-enslave-americans-with-debt-" title="Rally to Support Crony Capitalism" target="_blank">Rally To Protect the American Dream</a>" to descend on Washington D.C. to tell the President and Congress they need to do more?</div> <div>&nbsp;</div> <div>I don't think so... I'm not a shill for the banks and no ethical real estate agent should be either.</div> <div>&nbsp;</div> <div>To the renters out there... know who you are sending your rent checks to. Especially if you went through a foreclosure or a short sale because you might be sending money to somebody who helped you go broke in the first place.</div> <div>&nbsp;</div> <h3> <span style="color: #0000ff;">Paul Francis</span><br> Prudential Americana Group, REALTORS<br> <a href="http://www.LasVegasRealEstateHome.com" title="Las Vegas Real Estate for The People" target="_self">Las Vegas Real Estate</a><br> <span style="color: #0000ff;">702.592.3058</span> </h3> <div class="agent_signature"><p>&nbsp; </p></div> </blockquote> </div> <div class="agent_signature"> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Pamela Seley, REALTOR</span><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">&reg;</span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Short Sale Resource | CA DRE lic # 01824145 </span><br><span style="font-size: 10pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;"><a href="http://www.searchtemeculavalleyhomes.com/" title="Search Temecula Valley Homes" target="_blank">www.searchtemeculavalleyhomes.com</a> | Dir 951.491.4063 | <br></span></p> <p style="text-align: left;"><span style="font-family: Syncopate;"><span style="font-size: 14px;"><a href="http://www.searchtemeculavalleyhomes.com/community/area/Temecula/" title="Temecula homes for sale" target="_blank">Temecula homes for sale</a></span></span></p> <p style="text-align: left;"><span style="font-size: 11pt; background-color: transparent; font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Serving Southwest Riverside County California</span>| <span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula, Murrieta, Menifee, Winchester, Lake Elsinore, Canyon Lake, Corona, Wildomar | </span><strong><span style="font-size: 11pt; background-color: transparent; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Temecula short sale agent</span></strong> <br><br><span style="font-size: 11pt; background-color: transparent; font-weight: normal; font-style: italic; text-decoration: none; vertical-align: baseline; font-family: Syncopate; color: #000000;">Find out <a href="http://www.searchtemeculavalleyhomes.com/sell/" title="What your home is worth" target="_blank">what your home is worth</a>, or sign up to <a href="http://www.searchtemeculavalleyhomes.com/" title="Search homes" target="_blank">search homes</a> in your neighborhood.</span></p> <p style="text-align: center;"><a href="http://feeds.feedburner.com/activerain/znMM" title="Subscribe rss feed" target="_blank"><img title="Subscribe to Pamela Seley's blog" src="http://activerain.com/image_store/uploads/8/7/6/4/6/ar130878644164678.jpeg" height="30" alt="rss button" style="vertical-align: middle; 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margin: 20px;" width="30"></a></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2916628/what-is-principal-reduction-alternative-rpa-" title="What is principal reduction alternative RPA?" target="_blank">What is Principal Reduction Alternative (RPA)?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2708863/temecula-valley-homeowners-facing-foreclosure-beware-of-foreclosure-relief-scams" title="Beware of Foreclosure Relief Scams" target="_blank">Beware of Foreclosure Relief Scams</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2648382/temecula-short-sale-question-what-is-an-arm-s-length-affidavit-" title="What is an Arm's Length Affidavit?" target="_blank">What is an Arm's Length Affidavit?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2726608/why-the-arm-s-length-affidavit-protects-short-sale-sellers" title="Why the Arm's Length Affidavit Protects Short Sale Sellers" target="_blank">Why the Arm's Length Affidavit Protects Short Sale Sellers</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2651150/temecula-short-sale-question-what-is-a-third-party-authorization-letter-" title="What is a third-party authorization letter?" target="_blank">What is a Third-Party Authorization Letter?</a></span></span></p> <p style="text-align: left;"><span style="font-family: Arial; font-size: x-small;"><span class="Apple-style-span" style="white-space: pre-wrap;"><a href="http://activerain.com/blogsview/2632091/-temecula-valley-short-sale-question-what-s-a-short-sale-package-" title="What's a short sale package?" target="_blank">What's a Short Sale Package?</a></span></span></p> <p style="text-align: left;"><span class="Apple-style-span" style="font-family: Arial; white-space: pre-wrap; font-size: x-small;"><a href="http://activerain.com/blogsview/2573706/is-your-real-estate-agent-licensed-in-the-state-of-california-" title="Is Your Real Estate Agent Licensed in the State of California?" target="_blank">Is Your Real Estate Agent Licensed in the State of California?</a></span>&nbsp;</p> <div style="background-color: transparent; text-align: left;"><span style="font-size: x-small;"><strong style=""><span style="">Pamela Seley, REALTOR&reg;</span></strong><span style=""> has helped homeowners in SW Riverside and San Bernardino Counties, California, by negotiating short payoffs with the following lenders and servicers:</span></span></div> <p class="MsoNormal"><span style="font-size: x-small;"><span style="">Bank of America * Chase * CitiMortgage * EMC Mortgage * GMAC * HSBC * Indymac (now known as, One West Bank) * Midland Mortgage * SLS Specialized Lending Servicing, LLC * Wachovia Mortgage * Wells Fargo *&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">World Savings Bank</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span><span class="Apple-style-span" style="font-family: Arial, sans-serif;">&nbsp;</span></span></p> <p style="text-align: center;"><span style="background-color: transparent; font-style: normal; vertical-align: baseline; font-weight: normal; text-decoration: none; color: #000000; font-family: arial, helvetica, sans-serif; font-size: xx-small;">All information deemed reliable, but not guaranteed. Copyright &copy; 2009-2011 by Pamela Seley, REALTOR&reg; | CA DRE Lic # 01824145</span></p> </div> Pamela Seley, REALTOR® Call 951.491.4063 | Temecula Valley CA (Bassett & Associates, REALTORS®) Tue, 20 Mar 2012 08:50:39 -0700 http://activerain.com/blogsview/3068818/send-your-rent-checks-to-123-wall-street