The American Recovery and Reinvestment Act expands the legislation...those who can apply for assistance include: http://bit.ly/5qc9JY

Where's The Bail Out For Home-based Businesses? Story: http://bit.ly/76VbIr
American Homeowners Grassroots Alliance (http://bit.ly/8RhTGI)

Here's the birthday girl ready to enjoy lunch at Disneyland yesterday!

Fighting buyer mutiny...new condo buildings that have seen the most buyers trying to renege on their contracts since...http://bit.ly/5lc2xx

New GFE to reshape mortgage ethics? http://bit.ly/6J6bBx

Cute little kitty...http://bit.ly/7bcC1i

Editorial: Giddy Delinquency, The delinquency rate for Freddie Mac's loan portfolio increased in September to...http://bit.ly/6PODd8

Realtor Organization Opposed FHA Anti-Flipping Rule, They believed that opposition to the anti-flip policy made the...http://bit.ly/807OWr

Great piece (real estate success strategies: 2010): http://bit.ly/7NiNCF, googled Ralph Williams ...& found this...http://bit.ly/6GslKA ;-)

Sell now or wait?
How to take advantage of the next uptick...http://bit.ly/8xe2p6

Sell now or wait?
How to take advantage of the next uptick

Feds press for permanent loan mods
375,000 borrowers eligible...http://bit.ly/5D08yT

30-Year Rates Match All Time Low This Week...http://bit.ly/1htHp

Short Sale Sellers Need To Guard Against "Double Whammy" By Bank and I.R.S., keep your paper work together...http://bit.ly/5TQMWS

15-Year FRM Drops to Lowest Ever Recorded in Freddie Mac Survey Hi ...http://bit.ly/6ZG3SO

Unwed homebuyers tie financial knot
When real estate purchase precedes 'I do'...http://bit.ly/2Osyd2

Mortgage rates fell back this week pulling interest rates on 30-year fixed mortgages under 5 percent...http://bit.ly/1d9KSI

The new rule raises the qualifying income limits to $125,000 for single taxpayers and $225,000 for joint taxpayers...http://bit.ly/4rLzok

The SFR cert prog is offered by the Real Estate Buyer’s Agent Council of NAR...ANOTHER PAY & GET CERTIFIED PROGRAM?...http://bit.ly/mnMip

The SFR cert prog is offered by the Real Estate Buyer’s Agent Council of NAR...ANOTHER PAY & GET CERTIFIED PROGRAM?...http://bit.ly/mnMip

He picked it up, now crumpled and dirty. 'Now,
who still wants it?...http://ping.fm/9mVsd

Therefore, homeowners that have been taken advantage of or lied to in these states currently have no way to assert...http://bit.ly/4bFHsV

Realtor Sued For Misrepresentation When Assessor's Record are Incorrect...What the F__K!! http://bit.ly/2tbwWX

Don't bet all your money on it quite yet, but it looks more and more likely that Congress will extend the housing tax...http://bit.ly/Vg1sU

Foreclosures spread from bubble markets...http://bit.ly/3636Zi

A number of bills have been introduced to extend and/or expand it through 2010, representative Eddie Johnson...http://bit.ly/Ye2GC

LONG-TERM MORTGAGE RATES EASE FURTHER THIS WEEK...http://bit.ly/1htHp

30-YEAR FIXED-RATE MORTGAGE LOWEST IN FOUR MONTHS, NEARING ALL-TIME LOW SET IN SURVEY IN APRIL...http://bit.ly/1htHp

Previous reports in the series from the OCC and OTS have shown that most delinquent borrowers who are granted a loan...http://bit.ly/WHY5A

Foreclosures...opportunity for some but, great misfortune for many.

Working Foreclosureradar, can't believe the # of foreclosures! What's to become of those displaced?

Since the "advance fee" for loan mods will probably soon be illegal for everyone, I doubt that anyone other than lenders will be doing them.

MORTGAGE RATES REMAIN LOW, INCREASING AFFORDABILITY...http://bit.ly/1htHp

Apprsrs should be knowledgeable abt the local area, they should be fairly paid for services. Appraisal mgmnt companies...http://bit.ly/KCOYN

“it is absurd that thousands of Americans serving our country, away from friends and family ... must choose between... http://bit.ly/n7SD2

Regulators consider ban on upfront fees for loan modification help, bill will get signed and the banks win again...http://bit.ly/TflGU

To help ease the burden, the IRS said it would relax current tax guidelines on commercial mortgage bond...http://bit.ly/13zLzw

The last time the 30-year FRM was lower was the week ending May 28, 2009, when it averaged 4.91 percent...http://bit.ly/1htHp

Unfortunately, three of the biggest TV stations in New York City don't want you to know about it. ABC, FOX, CBS affili...http://bit.ly/RHeO6

FHA could be expanding, house votes for boost in FHA staff, tech...http://bit.ly/Ojg3e

While the number of Realtors working with and completing transactions for international buyers has declined in recent ...http://bit.ly/LKr0W

The things real estate agents have to watch out for...Walking tightrope between marketing, fair housing laws...http://bit.ly/QdfAD

Strategic Defaults: When Homeowners Walk Away From Mortgages They Can Afford. The authors found that about 26 percent...http://bit.ly/Sowvo

Homeowners get all the breaks, renters don't get their due respect...the tax code is written for homeowners...why? http://bit.ly/AOv4Q

the 30-year fixed-rate mortgage (FRM) averaged 5.07 percent with an average 0.7 point for the week ending 9/10/09 down...http://bit.ly/1htHp

He picked it up, now crumpled and dirty. 'Now, who still wants it?' Still the hands went into the air. My friends...http://bit.ly/1pzF6k

What Should You Do When Your HELOC Freezes Over? Lenders are freezing, slashing, and cutting off home equity lines of ...http://bit.ly/eLBcl

Short sale or foreclosure? “The credit bureau sees those all as equal” Contrary to what I've come to know... http://bit.ly/svnjr

Any well thought out plan/idea should be considered at this point...http://bit.ly/El5op

Millions More Foreclosures Coming, Treasury Warns...when will it stop? http://bit.ly/PUfIV

30-year FRM averaged 5.08 percent with average 0.7 point for week ending 9/3/9, down from last week when it averaged... http://bit.ly/1htHp

Come on now, times are tuff...we are at the bottom of the barrel...Satan! Satan! http://bit.ly/3eJGjp

Food For Thought - http://bit.ly/ivMPm

SOLD OUT! According to a medical marijuana patient who has access to the secure Web site of the one nonprofit in the...http://bit.ly/2DtlOb

http://bit.ly/IsPWK Amazing short lived coexistence in time of need...something we should consider for the long term.

Foreclosure door knocking over the weekend, had a couple of home owners tell me that they're fed up, tired & walking away from their homes!

Government control... U.S. SB proposes giving the White House the power to cut private-sector computers from the net - http://bit.ly/13A338

“My agents need to learn how to list more, sell more, price better, and get paid for their hard work!" It is true that...http://bit.ly/VaAVb

Funny, and probably somewhat true...where are we going? http://bit.ly/PaqtS

Congress due back after Labor Day, the fight over Fannie Mae's and Freddie Mac's controversial appraisal rules is hot - http://bit.ly/c2iv9

Real estate investors are playing a key role in the housing recovery now underway, buying up bank REO property http://bit.ly/48g670

LOW MORTGAGE RATES HELPING TO STABILIZE HOUSING MARKET...long-term mortgage rates were barely changed this week http://bit.ly/kqOWe

A social media policy of truth http://bit.ly/113Plk

It's about time foreclosure starts level out
http://bit.ly/1p4LNO

According to my numbers, there are 901 Trustee sales scheduled for next week in SCC! My knuckles can't take that abuse!

Working foreclosures in Santa Clara County, CA not many opening doors, the few that do seem to have a handle on their affairs...good news.

MORTGAGE RATES DOWN TO LOWEST LEVEL IN THREE MONTHS http://bit.ly/15cOOy

Despite all the negative headlines about foreclosures sales of existing homes continue to power the real estate market http://bit.ly/17NTI8

Last week's release of July’s employment report showed a slight improvement in the declining labor market. Rates up! http://bit.ly/16wsxs

Better Than Expected Economic Reports Help Keep Mortgage Rates Low This Week http://bit.ly/3Lae9

http://bit.ly/1qdVcH even with this kind of news gotta think positive! About half of U.S. mortgages seen underwater by 2011

I love it...Washington Report: Modifying Loans http://bit.ly/24Yoxk lenders need to get off their collective asses and work with the people.

Property tax relief in Silicon Valley? http://bit.ly/xtVGC "Ideally get online, or you can call, write, fax, email or come into the office"

Hmm...good or not good. What are your feelings? http://bit.ly/qHSjN

Follow up to: An "un-called for interference in the free market process" Homeowners not paying their monthly HOA fees! http://bit.ly/TeIFR

An "un-called for interference in the free market process" http://bit.ly/4DOIIq

Somebody's thinking! This could actually work. http://bit.ly/m6tgP

No-doc loans making a comeback soon? http://bit.ly/11NwfW

Mortgage rates down...for third week! http://bit.ly/4vJOLd

Laughter makes you feel better. Discover how laughter in the workplace can boost efficiency & profits! http://bit.ly/Lw1qN

Mortgage rates down...http://bit.ly/Rexwc

I do not fully agree with what this article speaks to, at some point mom & dad have to come in and set things straight...http://bit.ly/4G61k

Tenants in Foreclosed Properties Will Benefit from New Federal Law...http://bit.ly/16eiSH

First timers take note, attend event even if you are not looking to buy in San Mateo Cnty...http://bit.ly/RdB6k

off to SoCal.

He can pay the mortgage with the deal and still keep the building, instead of going into foreclosure. http://bit.ly/amYbp

New loan modification and short sale options for homeowners in trouble - http://bit.ly/138W3L

Door knocking...15 home owners in mortgage trouble, 3 actually opened the door w/owners not there, the rest no access or no answer.

Fannie, Freddie foreclosure starts spike http://bit.ly/ErzSU

Defaulting homeowners strike back...and vent big time! http://bit.ly/EYDzU

I'm a bit of a pessimist regarding this news but, who knows...we are what we think! I do like to think optimistic http://bit.ly/13o9FT

Real estate sure has changed here in the SF bay area! Listings 1947...http://bit.ly/mRBAC

Estimated Monthly Payments: $125
*based on 30 year fixed APR loan with 20% down and no points Annual Taxes: $1,276 -
http://bit.ly/Zg4Sn

LOW INFLATION FIGURES PUSH MORTGAGE RATES BACK DOWN...low single digit rates, let's keep'm yeah! http://bit.ly/1htHp

Why Buy? Good insight on when you should take the plunge and buy real estate, it’s really based on you and only you! http://bit.ly/15StJZ

Starter Townhouse Available - http://bit.ly/Nl55T

INVEST IN A 4 PLEX IN SANTA CLARA, CA http://bit.ly/aiwfB

Great Investment opportunity. Short Sale Subject to Bank Approval http://bit.ly/k1Xm6

Down Town San Jose - Short Sale / Lender Appr Req'd Condo less than 5 years old http://bit.ly/FYE6r

Renovated San Jose Duplex Move In Ready! 700K http://bit.ly/65BrA

Beautiful Grand Cupertino, CA Home - Open Sat 1:30-4:30 http://bit.ly/hYroe

Beautiful, Immaculate, Move In Ready, Almost New Townhouse In 10 Unit Complex, Mountain View, CA, $767,000.00http://bit.ly/3w1Ser

Drop in Housing Prices Still Occurring but Market Activity Increasing http://bit.ly/17aI0D

BOND YIELDS PUSH MORTGAGE RATES TO HIGHEST LEVEL IN SEVEN MONTHS http://bit.ly/1htHp

Feeling creative today! Here's a little snippet...http://bbltwt.com/ax0up

Defaults on De Rise http://bit.ly/iWnNR

Healthy food can be found here... http://bit.ly/cIGfJ

As a system of government, this bureaucracy is contradictive and actually does not make any sense at all. http://bit.ly/jh1gr

Do you want to become a microlender? http://bit.ly/pO1qd

http://bit.ly/15HcHi Reshaping Fannie & Freddie Obama administration might begin drafting its preferred solution...far from perfect.

We need more women in building...More Women Making Impact on Custom Home Building Market. http://bit.ly/kGdoK

Real Estate Outlook: Housing Rebounding "jump in sooner rather than later, if you want the lowest mortgage rates" http://bit.ly/pTVtY

http://bit.ly/oh0Ff Great idea! Could it work in your community?

http://bit.ly/YaQNv Crunchberries not a fruit, judge rules...really? Ha!

http://bit.ly/18R3kl Investor strategy

http://bit.ly/17nSJ7 Sound advice...

A recent study shows that real estate is now as affordable as it's been in the past 38 years, homes are wildly affordable http://is.gd/Ncv9

Feds spoof knock-off video to win back consumers...kinda funny http://bit.ly/jh1gr

Feds spoof knock-off video to win back consumers...kinda funny http://bit.ly/jh1gr

I like this...Ha Ha! Ah yes...http://bit.ly/Gd4uS

Good laugh...I really thought he was going for the blonde... http://bit.ly/jh1gr

Finished up a 3-day fruit and vegetable cleansing, lost 7 pounds and feel Great! My plan was based on a magazine article...feeling good!

Feds spoof knock-off video to win back consumers...kinda funny http://bit.ly/jh1gr

Dave Matthews has come out with his own GPS...order now! (via @jimmyfallon) http://bit.ly/jh1gr

Feds spoof knock-off video to win back consumers...kinda funny http://bit.ly/jh1gr

A recent study shows that real estate is now as affordable as it's been in the past 38 years, homes are wildly affordable http://is.gd/Ncv9

Thought for the Day

June 4, 2009

IF YOU DO A JOB ANOTHER’S WAY, HE OR SHE MUST TAKE THE RESPONSIBILITY. IF YOU DO IT YOUR WAY, YOU MUST TAKE THE RESPONSIBILITY.

The "loneliness at the top" that senior officials often feel comes from the certain knowledge that they alone are responsible for the failure or success of the organization. They may share their authority with associates, but not their responsibility. When a sports franchise suffers a losing season, the general manager and the coaches are held accountable. They, not the individual players, are responsible for the failure of the team; the team merely followed orders. When you become the leader, when you set the course, you must accept responsibility for the outcome.

This positive message is brought to you by the Napoleon Hill Foundation. Visit us at http://www.naphill.org. We encourage you to forward this to friends and family. They can sign up for this free service at our web site. If you would like to stop receiving these thoughts, please go to http://www.naphill.org/thought-unsubscribe.asp

3rd attempt to contact home owner in default...site visit no answer,cld no vmail, no answer, another one bites the dust. http://bit.ly/C1GoG

A recent study shows that real estate is now as affordable as it's been in the past 38 years, homes are wildly affordable http://is.gd/Ncv9

Thought for the Day

June 3, 2009

HIGH WAGES AND THE CAPACITY TO ASSUME RESPONSIBILITY ARE TWO THINGS THAT BELONG TOGETHER.

It’s been said that a leader’s job is to inspire others to high levels of achievement, while a manager’s job is to protect the assets of investors. The most successful people are those who recognize the similarities and differences between leadership and management responsibilities, fulfilling both with equal skill and aplomb. When they do, they realize the rewards that are commensurate with their efforts. When you cheerfully accept responsibility for your own actions and do your job in a way that protects the interests of your employer, you will soon be entrusted with more and more responsibilities. And those who have the capacity to assume responsibility-for the success of the project or organization-will always be paid the highest salaries.

This positive message is brought to you by the Napoleon Hill Foundation. Visit us at http://www.naphill.org. We encourage you to forward this to friends and family. They can sign up for this free service at our web site. If you would like to stop receiving these thoughts, please go to http://www.naphill.org/thought-unsubscribe.asp

Thought for the Day

June 2, 2009

ACT ON YOUR OWN INITIATIVE, BUT BE PREPARED TO ASSUME FULL RESPONSIBILITY FOR YOUR ACTS.

One of the primary differences between those who achieve greatness in their lives and those who manage only to "get by" is that successful people learned early in life that they were responsible for their own actions. No other person can make you successful or keep you from achieving your goals. Taking the initiative means assuming a leadership role, a position that singles you out for praise-and for criticism. The good leader is the one who shares the credit for success with others and assumes full responsibility for failures or temporary setbacks. When you accept responsibility for your actions, you gain the respect of others and are well on the way to creating your own future.

This positive message is brought to you by the Napoleon Hill Foundation. Visit us at http://www.naphill.org. We encourage you to forward this to friends and family. They can sign up for this free service at our web site. If you would like to stop receiving these thoughts, please go to http://www.naphill.org/thought-unsubscribe.asp

Thought for the Day

June 1, 2009

THE BEST JOB GOES TO THE ONE WHO CAN GET IT DONE WITHOUT PASSING THE BUCK OR COMING BACK WITH ALIBIS.

We often discover that people we view as "overnight successes" have in fact labored for years in obscurity before they were finally recognized and rewarded for their contributions. Success is a cumulative effort; the journey to the top in any field is usually long and requires careful planning. If you want to climb the first rung on the ladder of success, you must always take the initiative to get the job done, even when you find it less than challenging or even unpleasant. Eventually, you’ll earn your reward. You will become the boss, the leader, because you have developed the habit of taking the initiative to get the job done. You will get the best jobs because you’ve proven that you are dependable by accepting responsibility for your actions and your future.

This positive message is brought to you by the Napoleon Hill Foundation. Visit us at http://www.naphill.org. We encourage you to forward this to friends and family. They can sign up for this free service at our web site. If you would like to stop receiving these thoughts, please go to http://www.naphill.org/thought-unsubscribe.asp

Pending home sales rise 6.7 percent in April
http://ping.fm/1SyrZ (via @Agentopolis)

http://ping.fm/1SyrZ (via @Agentopolis)

Planning on buying a home? Helping Clients Estimate Their Affordability Range http://ping.fm/VVFo9

The machine is working. Washington Report: HUD Raises Expectations http://ping.fm/kydLa

Yesterday...made 2nd attempt to contact home owner that defaulted on mortage, looks like yet another foreclosure here in SF bay area.

Investors check it out - http://ping.fm/HHWbw

Looking for loan mod, foreclosure help? Do your homework! Here's a list of companies. http://ping.fm/o93J3

Looking for loan mod, foreclosure help? Please do your homework! The CA DRE posts both good & bad lists.
http://ping.fm/3XUGv

Mortgage Rates Up...http://ping.fm/SklEv

Mortgage Rates Up!

Fun Stuff! Take a break...http://ping.fm/zatj4

Cool way to make those international calls for cheap...http://ping.fm/FIpob

Great news for first timers! Act fast...http://ping.fm/XeprF

Classic Dave Edmunds...very cool great riffs http://ping.fm/3OvHS

Cool song: http://ping.fm/aPPv8

Forget Swine Flu, fun in the sun!

Let's laugh, improve your health and laugh! http://ping.fm/cSN0s

Neil Young...thought provoking, inspirational, genius http://ping.fm/suUqq

If you care...http://ping.fm/UsOWZ I LOVE Neil Young and what he stands for.

Something to think about if you work with buyers...http://ping.fm/aOQ9R

Great news for those that need mortgage help! http://ping.fm/qkXWO

Nothing to do next Saturday? Check this out, it's free: http://ping.fm/D64XZ

Hang in there with your short sales see article: http://ping.fm/hTumW

REO Inventory steadily dropping in SF bay area - Since Dec. 12th 2008,
Alameda County REO inventory has dropped about 57%; Contra Costa County has
dropped about 65%; Santa Clara County has dropped about 53% and San Mateo
County has dropped about 35%.

The latest REO Inventory Report

Here is the current Active Inventory Report starting 121208 and ending 043009, while this report reveals a lot of valuable information, you need a good REO Specialist on your side to help you with all phases of your purchase; one of the most important is knowing how much to offer to be the winning bidder without paying too much, and I can help you with this.

If you are interested, I have several other reports just contact me and I'll be glad to forward.

The low FRM should get some people off the fence to do business, there is a whole lot of opportunity here in the bay area.

Townhouse Beauty In West San Jose

Exceptional REO Opportunity Coming Soon In San Jose!

Just Driving by to check out the homes in this neighborhood

New!

Here are the current reports for the past several weeks since 030409, while they reveal a lot of valuable information, you need a good REO Specialist on your side to help you with all phases of your purchase; one of the most important is knowing how much to offer to be the winning bidder without paying too much, and I can help you with this.

The first report is called the Active Inventory Report, this is a weekly look at how many REOs are currently for sale so that we can spot any significant trends starting with the count on December 12th, 2008. The next three reports are the REO Sales Reports: Alameda County, Santa Clara County, and Contra Costa County, these demonstrate what actually happened just last week, these reports are valuable in spotting dynamic demand trends.

Here are several reports for this week and remember, while they reveal a lot of valuable information, you need a good REO Specialist on your side to help you with all phases of your purchase; one of the most important is knowing how much to offer to be the winning bidder without paying too much, and I can help you with this.

The first report is called the Active Inventory Report, this is a weekly look at how many REOs are currently for sale so that we can spot any significant trends starting with the count on December 12th, 2008. The next three reports are the REO Sales Reports: Alameda County, Santa Clara County, and Contra Costa County, these demonstrate what actually happened just last week, these reports are valuable in spotting dynamic demand trends.

Deadline Newsroom: 12 Tax Breaks, On The House

Deadline Newsroom: 12 Tax Breaks, On The House

First-Time Homebuyer Credit: Answers

IRS Newsroom

A must for First Time Homebuyers!

If you are thinking about buying your first home (at least 3 years since you last owned a home) then you should really consider attending a seminar that explains the basics of home ownership and then some. I’m not a first time home buyer (I short sold my home last year) but, I wanted to attend one of these seminars just to find out what goes on at these events.

I came across a couple of great resources: Bay Area Home Buyer Agency & First Home, Inc.

I attended a "Home Buyer Seminar" in San Mateo January 31st to get a feel for what first time home buyers were exposed to, I was amazed at what was being discussed and the level of thought that was given to the presentation in general. Basically what was presented was a quick course in finances in terms of why you need to buy a home to take advantage of current tax laws and make yourself ready, willing and able to sustain yourself here in the beautiful San Francisco Bay Area. It was great and I highly recommend attending!

Please take a look at the documents below, I just want you to see what you get in terms of acknowledgment and congratulations when you attend one of these "Home Buyer" seminars.

Flyer from the agencies envolved:
homebuyer preparation

Here are my congratulations and certificate of completion:
email congrats
letter of congrats
certificate of completion

First Time Homebuyer Seminar

I attended a First Time Homebuyer Seminar today...more later.