Reminder: County property tax deadline is TODAY — this Friday — Dec. 10!
Ok, now back to economic debate as Tax Collector Chriss Street reports that early collections of property taxes are still running ahead of a year ago, as of Dec. 8 …
-1st installment collections total $1.71 billion, up $297 million vs. same time a year ago. That’s a 12% increase. (As of Dec. 3, they were running 9% ahead of last year!) So far, 72% of the 1st installemnt’s tax roll is collected vs. 59% in same period last year.
-2nd installment collections — yes, some folks like to pay early on a bill due April 10, 2011 — have been $182 million, up $7 million vs. same time a year ago. That’s a 0.3% increase. So far, 8% of the taxes due have been collected vs. 7% in same period last year.
Total collections for the fiscal are then $1.89 billion, up $304 million vs. same time a year ago. That’s a 6% increase. So far, 40% of the tax roll is collected vs. 33% in same period last year.
How to pay the tax installment and avoid late charges?
In person: At 12 Civic Center Plaza Room G-58 in Santa Ana.
By mail: Orange County Tax Collector, P.O. Box 1438, Santa Ana, CA 92702-1980. Need a post office postmark of Dec. 10 or earlier!
By phone: 714-834-3411.
By Internet: http://www.ttc.ocgov.com.
If you’re late? County charges a 10% one-time penalty plus 1.5% a month in interest on the unpaid balance.
If you’re wondering when you’d lose your house? Traditionally, it takes five years of unpaid tax bills before a home can be taken by the county for non-payment of taxes and sold to pay the skipped bills.
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Extracted from the OCRegister.com / Real Estate articles
Friday, December 10, 2010
Wednesday, November 17, 2010
Make Money in 2011: Your Home
I came across this interesting article a couple of days ago, and thought I would share it over here.
We are always wondering what's next for our local real estate market in Dana Point, values of Newport Coast properties or San Clemente homes just to name a few. So here you go. Enjoy!
---
By Amanda Gengler, writerNovember 15, 2010: 10:13 AM ET
NEW YORK (MONEY Magazine) -- Location, location, location. In the latter half of 2011 that adage should come back into vogue. But first, more declines.
C'mon, you're thinking, you've been hearing for months that prices have been more or less stable nationwide. True, but the still-soft job market, the foreclosure crisis, and the absence of incentives such as the homebuyers tax credit will push down the median home price another 5% or so next year, according to Moody's and Fiserv, before it stabilizes by late 2011 or early 2012.
Individual markets, though, will start diverging from the downtrend by summer. About one-quarter of the nation's 384 metro areas should see higher prices by year-end, and half will see drops of less than 3%.
Certainly, conditions will favor anyone in the market to buy a new home -- or homeowners looking to refinance. Today's record low mortgage rates, averaging 4.2% for a 30-year fixed term, are expected to remain low at least through the first half of the year.
Even if the economy picks up steam in the latter half of 2011, rates are unlikely to climb higher than 5%, says Amy Crews Cutts, deputy chief economist at Freddie Mac.
On top of that, assuming that banks can solve their issues with poorly documented foreclosures, home seizures will revert back to record highs, creating competition for sellers and keeping a lid on home values. The combination of low prices, cheap mortgages, and a slowly improving job market should gradually entice buyers back to the market, setting the stage for prices to stabilize.
Demand, though, won't be strong enough for values to rise substantially, largely because the weak labor market is depressing new household formation as family and friends opt to live together, and recent graduates return to their childhood bedrooms, says Patrick Newport of IHS Global Insight.
Only about 350,000 households are forming a year, vs. 1.3 million typically. "All you hear about is foreclosures and the supply problem," says Michael Castleman Sr., CEO of housing research firm Metrostudy. "But the bigger problem is demand."
WILDCARDS:
Foreclosures. If the investigations into robo-signed seizure documents and other issues turn up more problems for banks, foreclosures could be halted indefinitely. That would prop up prices in the short run but weigh them down over the long run.
Jobs. Housing demand could rise if the labor market picks up faster than expected. In that case, prices would firm up earlier in the year.
WHAT TO WATCH:
Signs of an improving market: three straight months of rising sales and a decreasing inventory of homes (a six-month supply is considered healthy; today it's 11 months). A local agent or realtor's association can supply you with that data.
ACTION PLAN:
Buyers. Don't try to time the market perfectly. Even if prices fall a bit more in your area, mortgage rates could rise later in the year, offsetting the drop. Initially bid about 10% below what comparable homes have sold for over the past three months; go even lower if the area is rife with foreclosures.
By contrast, if well-priced houses in your desired area are receiving multiple offers -- your agent will know -- bid close to list price. But don't engage in a bidding war, says Mark Foreman, senior vice president at Century 21. Plenty more homes will be coming onto the market.
Until your house keys are in hand, don't change your financial profile: don't buy a car, take a new job, or pay a loan late. Increasingly lenders are re-pulling credit reports and reconfirming jobs just before closing, says Jim Gillespie, president of Coldwell Banker. Any changes could kill the deal.
Sellers. Hang on a few more years until the market recovers. Can't hold off? Then try to unload fast.
Prices will be falling in most areas for the next several months and, depending on your location, the foreclosure slowdown in place may temporarily reduce your competition, advises Ellen Klein, a realtor in Rockaway, N.J.
Wherever you are, pricing your home right is key. Buyers typically put an upper limit on their search in increments of $25,000 or $50,000. If your house is priced at $365,000, shoppers who cut their search at $350,000 may never see your home.
Best idea: Slightly underprice your house. More often than not you'll attract numerous buyers who bid up the price, and you'll end up getting fair value in much less time.
Investors. Assuming foreclosures have slowed where you are, hold off until a few months after they ramp up again. Until then, inventory will be limited, and that will set a floor under prices. When you're ready to make your move, paying in cash will better the odds of a winning bid, says Foreman.
Owners. One word: refinance -- even if you just did it a few years ago, urges Keith Gumbinger of HSH.com, a mortgage information publisher.
If you can shave at least one point off your rate and plan to stay in your home for at least four years, a refi makes sense. On a two-year-old $300,000 loan at 6.5%, refinancing will save you $465 a month and $120,000 in interest.
Or go with a 15-year loan, which averages 3.7%. Your payment will jump $225, but you'll own your home 13 years earlier and save $253,000 in interest.
Underwater or have little equity? You may be able to refinance through a federal program known as HARP (for details go to making-homeaffordable.gov). Have funds to spare? A cash-in refi, in which you put in enough to reach 10% or 20% equity, will let you nab those record low rates.
We are always wondering what's next for our local real estate market in Dana Point, values of Newport Coast properties or San Clemente homes just to name a few. So here you go. Enjoy!
---
By Amanda Gengler, writerNovember 15, 2010: 10:13 AM ET
NEW YORK (MONEY Magazine) -- Location, location, location. In the latter half of 2011 that adage should come back into vogue. But first, more declines.
C'mon, you're thinking, you've been hearing for months that prices have been more or less stable nationwide. True, but the still-soft job market, the foreclosure crisis, and the absence of incentives such as the homebuyers tax credit will push down the median home price another 5% or so next year, according to Moody's and Fiserv, before it stabilizes by late 2011 or early 2012.
Individual markets, though, will start diverging from the downtrend by summer. About one-quarter of the nation's 384 metro areas should see higher prices by year-end, and half will see drops of less than 3%.
Certainly, conditions will favor anyone in the market to buy a new home -- or homeowners looking to refinance. Today's record low mortgage rates, averaging 4.2% for a 30-year fixed term, are expected to remain low at least through the first half of the year.
Even if the economy picks up steam in the latter half of 2011, rates are unlikely to climb higher than 5%, says Amy Crews Cutts, deputy chief economist at Freddie Mac.
On top of that, assuming that banks can solve their issues with poorly documented foreclosures, home seizures will revert back to record highs, creating competition for sellers and keeping a lid on home values. The combination of low prices, cheap mortgages, and a slowly improving job market should gradually entice buyers back to the market, setting the stage for prices to stabilize.
Demand, though, won't be strong enough for values to rise substantially, largely because the weak labor market is depressing new household formation as family and friends opt to live together, and recent graduates return to their childhood bedrooms, says Patrick Newport of IHS Global Insight.
Only about 350,000 households are forming a year, vs. 1.3 million typically. "All you hear about is foreclosures and the supply problem," says Michael Castleman Sr., CEO of housing research firm Metrostudy. "But the bigger problem is demand."
WILDCARDS:
Foreclosures. If the investigations into robo-signed seizure documents and other issues turn up more problems for banks, foreclosures could be halted indefinitely. That would prop up prices in the short run but weigh them down over the long run.
Jobs. Housing demand could rise if the labor market picks up faster than expected. In that case, prices would firm up earlier in the year.
WHAT TO WATCH:
Signs of an improving market: three straight months of rising sales and a decreasing inventory of homes (a six-month supply is considered healthy; today it's 11 months). A local agent or realtor's association can supply you with that data.
ACTION PLAN:
Buyers. Don't try to time the market perfectly. Even if prices fall a bit more in your area, mortgage rates could rise later in the year, offsetting the drop. Initially bid about 10% below what comparable homes have sold for over the past three months; go even lower if the area is rife with foreclosures.
By contrast, if well-priced houses in your desired area are receiving multiple offers -- your agent will know -- bid close to list price. But don't engage in a bidding war, says Mark Foreman, senior vice president at Century 21. Plenty more homes will be coming onto the market.
Until your house keys are in hand, don't change your financial profile: don't buy a car, take a new job, or pay a loan late. Increasingly lenders are re-pulling credit reports and reconfirming jobs just before closing, says Jim Gillespie, president of Coldwell Banker. Any changes could kill the deal.
Sellers. Hang on a few more years until the market recovers. Can't hold off? Then try to unload fast.
Prices will be falling in most areas for the next several months and, depending on your location, the foreclosure slowdown in place may temporarily reduce your competition, advises Ellen Klein, a realtor in Rockaway, N.J.
Wherever you are, pricing your home right is key. Buyers typically put an upper limit on their search in increments of $25,000 or $50,000. If your house is priced at $365,000, shoppers who cut their search at $350,000 may never see your home.
Best idea: Slightly underprice your house. More often than not you'll attract numerous buyers who bid up the price, and you'll end up getting fair value in much less time.
Investors. Assuming foreclosures have slowed where you are, hold off until a few months after they ramp up again. Until then, inventory will be limited, and that will set a floor under prices. When you're ready to make your move, paying in cash will better the odds of a winning bid, says Foreman.
Owners. One word: refinance -- even if you just did it a few years ago, urges Keith Gumbinger of HSH.com, a mortgage information publisher.
If you can shave at least one point off your rate and plan to stay in your home for at least four years, a refi makes sense. On a two-year-old $300,000 loan at 6.5%, refinancing will save you $465 a month and $120,000 in interest.
Or go with a 15-year loan, which averages 3.7%. Your payment will jump $225, but you'll own your home 13 years earlier and save $253,000 in interest.
Underwater or have little equity? You may be able to refinance through a federal program known as HARP (for details go to making-homeaffordable.gov). Have funds to spare? A cash-in refi, in which you put in enough to reach 10% or 20% equity, will let you nab those record low rates.
Friday, October 22, 2010
The best vacation-home real estate buying season in Dana Point is fall
Fall is the time to buy
The best vacation-home buying season is fall, when prices are cheapest.
This year, low mortgage rates make the deals even better. The first few months after the end of the summer season is usually the best time of year to buy a vacation home.
Vacation-home owners often squeeze out one more season of rental income before putting their properites on the market. That means many beach homes and summer cabins go up for sale in the fall. This year, there are even more bargains than usual, thanks to the sustained home price plunge and rock-bottom interest rates.
"Vacation home owners are sitting fat and happy, having collected their rents all summer," said the author of "How to Rent Vacation Properties by Owner," Christine Karpinski. "Now, they''re looking at long periods during which bills are coming in but vacation rents are not."
If you are interested in vacation homes in Dana Point, or real estate in Dana Point or San Clemente and surrounding areas, please let us know, and we will be happy to help you with your search.
The best vacation-home buying season is fall, when prices are cheapest.
This year, low mortgage rates make the deals even better. The first few months after the end of the summer season is usually the best time of year to buy a vacation home.
Vacation-home owners often squeeze out one more season of rental income before putting their properites on the market. That means many beach homes and summer cabins go up for sale in the fall. This year, there are even more bargains than usual, thanks to the sustained home price plunge and rock-bottom interest rates.
"Vacation home owners are sitting fat and happy, having collected their rents all summer," said the author of "How to Rent Vacation Properties by Owner," Christine Karpinski. "Now, they''re looking at long periods during which bills are coming in but vacation rents are not."
If you are interested in vacation homes in Dana Point, or real estate in Dana Point or San Clemente and surrounding areas, please let us know, and we will be happy to help you with your search.
Monday, September 20, 2010
Bad FICO score? How to boost it
If you're looking at Real estate in Dana Point, thinking about buying a home, you know it's more important than ever to have a high FICO score.
Several components make up your score. What steps would you take to bump it up? How would you even know where to start? HEre's an extract from an article in the OC Register published last Sept. 9, 2010
"While these general guidelines exist, an individual's credit score is the result of complex algorithms and their own personal credit profile," says David Haub, a mortgage broker and business development manager for Map your Credit, a Huntington Beach-based credit rescoring company.
"On top of this, the credit scores that are used by banks and lenders to approve mortgage loans are different from the scores that are available from consumer credit websites," he says. "While they are based in general on the same factors, the scores do not correlate, which can create confusion for a borrower who thinks they have a certain score only to find out that their mortgage score is lower."
Advise to a better credit score:
1. "Maintain some type of credit activity. Even if you have decided to go to paying cash for everything, pull out your credit card once every six months to fill up a tank of gas or buy a burger. Then make sure you pay off that bill on time.
2. "Do not close any open credit cards. You can cut up the cards or file them away. Just don't cancel them. The reason behind this is that your score is based on a measurement of how long you have had credit as well as the amount of available credit you are using. By canceling a card you may be impacting your credit history and will definitely be lowering your amount of available credit. You may have a good rationale to close unused cards like monthly charges or concerns over identity theft. So if you must close cards, make sure you are not closing your oldest card or your card with the largest credit limit.
3. "Pay all of your bills on time. While this may seem obvious, there are a good number of people who wait until the last minute to pay their bills and occasionally end up missing a due date. The penalty for a missed due date is a lot greater than the late charge. We have seen this negatively impact scores by up to 30 points.
4. "Pay down debt. As mentioned earlier, a large percentage of your credit score is determined by the amount of debt you owe. If you have the funds available, paying down balances on revolving debt can help you improve your credit score. It also may be sound financially. If you have money sitting in a savings account earning less than 1%, it makes sense to pay down high rate credit that you are paying upwards of 20% interest on. Of course the actual amount you should pay down will vary by each individual borrower and is based on a number of factors including your available funds and your financial circumstances. The credit mapping process takes into account the amount of funds a borrower has to pay down debt and advises them on how those funds should be used to pay down debt and achieve the ideal score. In many cases this does not mean spending all of your available funds nor does it mean paying all outstanding debt to zero.
5. "Seek advice before opening new credit lines or paying off collections. This is a case where timing is everything. Sometimes it is beneficial for a borrower to take immediate action to improve scores and in other cases; it may be more advantageous to wait until your loan closes to take certain steps. It all depends on your personal circumstances and short term and long term goals.
6. "It is never too soon to start thinking of improving your credit. In some cases, a credit map can achieve desired results within a week. Most people see results within thirty days. But there are a few people who require up to six months to improve their credit. It is a good idea for people to know where their credit is and begin taking the appropriate actions to improve and maintain their credit. So even if a consumer is not in the market to buy a new home or refinance their current one, a credit map can give them the piece of mind so that they are prepared.''
There is some controversy in the credit industry over rapid credit rescoring as it relates to the bigger picture.
"The credit score is designed to predict risk. If we manipulate it, are we still making a loan that's at the same level of risk?" asks Gerri Detweiler, personal finance expert for Credit.com., an author and a former mortgage broker.
While the effects of the emphasis on rescoring remain to be seen, Detweiler says she also understands why homebuyers nowadays need help making sure their score is the best it can be. "I do have some sympathy for consumers," she said, noting that the FICO scoring process, for many, can be "very mysterious."
If you have questions about how your credit score will impact your Dana Point Real Estate purchase or refinance, please feel free to give me a call so we can discuss over the phone.
Thursday, September 16, 2010
FHA Mortgage Insurance Premiums to Change October 4, 2010 - How this affect your Dana Point Real Estate purchase
FHA announced recently that it will be changing the upfront (UFMIP) and monthly FHA mortgage insurance premiums effective with case numbers assigned on or after September 7, 2010, but the date has been pushed back to October 4, 2010.
Essentially, FHA will lower the upfront mortgage insurance premium to 1.25% of the purchase price and raise the monthly FHA mortgage insurance premium from 0.55% (95% LTV and above) to between 1.40% and 1.45%. This will drive up the monthly payment of an average buyer significantly!
So how does this affect your interest in dana point real estate or south county areas? Here are some things you need to know about these changes if you are, for example, buying a San Clemente home:
Essentially, FHA will lower the upfront mortgage insurance premium to 1.25% of the purchase price and raise the monthly FHA mortgage insurance premium from 0.55% (95% LTV and above) to between 1.40% and 1.45%. This will drive up the monthly payment of an average buyer significantly!
So how does this affect your interest in dana point real estate or south county areas? Here are some things you need to know about these changes if you are, for example, buying a San Clemente home:
- The MI premium changes apply to purchases, regular refinances and streamline refinances only (reverse mortgages have different MI premium changes).
- The current Up Front MI premium is 2.25% of the loan amount and the new Up Front MI premium will be 1.0% of the loan amount for all standard FHA programs.
- The current monthly MI premium is .55% and the new monthly MI premium will be .90% if the Loan-to-Value is GREATER than 95% on 30 year loans. Since most buyers put only the minimum 3.5% down this applies to most loans.
- The current monthly MI premium is now .50% for Loan-to-Values EQUAL to or LESS than 95% on 30 year loans and the new monthly MI premium will be .85%.
- The Annual premium is now .25% for Loan-to-Values GREATER than 90% on 15 year loans.
- There is no monthly MI premium Loan-to-Values EQUAL to or LESS than 90% on 15 year loans.
FHA is still a fantastic loan program and appropriate for many Dana Point real estate buyers to qualify as FHA is more lenient on credit scores than conventional loans. The reduction in upfront MI (which is typically financed into the loan) is great because this used to be a large part of the down payment. The downside is the monthly MI rise, which will definitely make conventional loans with Private Mortgage Insurance more attractive again for those buyers who can qualify for other loan options as well.
Future Increases
This new law also gives FHA the authority to raise the Annual MI premium, at will, up to 1.5% for Loan-to-Values at or below 95% and 1.55% for Loan-to-Value more than 95%. If that were to occur, FHA loans would be far less competitive than conventional PMI (private mortgage insurance).
If you have questions about the changes to the Up Front and Annual MI premiums and how it will impact your dana point real estate purchase or refinance, please feel free to contact us, we will be happy to help. Look for us and all the mls listings for Orange County, at www.ochomebuyer.com.
Tuesday, September 14, 2010
Fall Market: Shortsales in Dana Point Real Estate | San Clemente Real Estate | Newport Coast Real Estate
Summer is done and Fall is almost here! Due to the current scenario in the real estate market, the smart home buyers are searching for affordable deals which are available on mostly short-sale properties. The current market offers exceptional real estate in Dana Point, beautiful homes in San Clemente and we've seen great opportunities on Newport Coast Real Estate.
If a person needs to properly capitalize on the current situation, then the experience and guidance of expert real estate agents would undoubtedly be very handy. These agents have a significant amount of experience dealing with banks regarding short-sale purchases. By "short sale" it is meant that a property is sold at a price which is below the amount what the property-owner actually owes to the lender. Since the handling of this kind of sales is done by the office of real estate, a short-sale property can be located in the MLS .
In this mode of transaction the lender remains in control, while the determination of sales price is performed by the bank. The bank receives offers from the potential buyers and either accepts or rejects them. From the point of view of a buyer, the process of negotiation with a bank is tedious and lengthy. If you are a buyer you need to possess sufficient patience and not get frustrated in the interim period. If you are lucky enough, you might find that your offer has been accepted straightaway. Otherwise, it might take weeks, or even months before your offer gets accepted. Only then is your entire process of purchase complete. It can be understood quite clearly that lenders hold a distinct advantage in this process and often banks wait for offers from multiple sources before finally accepting one. If you are a buyer then expert real estate agents can be your ally during this entire process of negotiation.
At Realty Executives OCDreamhomes, our agents not only understand the significant paperwork involved in the negotiation process with the bank, they would assist you to get your order to smoothly move through the course of this process. A lot of the properties,due to the stress scenario, are not located in ideal locations nor are those in their best conditions. In such scenarios, lenders might be a bit lax with their terms of lending so that they can get offers for such properties. But in majority of the cases the conventional set of guidelines that is existent is adhered to regarding financing a purchase.
Competent and expert real estate agents are well aware of the fact that legal questions are bound to arise anytime during the process of short-sale property transaction. These agents hence would advise you to seek help regarding tax policies from authorized public accountants and regarding legal questions from attorneys. In order to ascertain whether you are interacting with expert real estate agents you need to get certain aspects clarified. These would include the experience of the concerned agent, the prior cases handled, etc. Only if the agent seems to convincingly answer all your queries should you go ahead with choosing that concerned person.
Want to learn more about the Dana Point Real Estate or sorrounding areas?
Learn more at http://www.ochomebuyer.com
If a person needs to properly capitalize on the current situation, then the experience and guidance of expert real estate agents would undoubtedly be very handy. These agents have a significant amount of experience dealing with banks regarding short-sale purchases. By "short sale" it is meant that a property is sold at a price which is below the amount what the property-owner actually owes to the lender. Since the handling of this kind of sales is done by the office of real estate, a short-sale property can be located in the MLS .
In this mode of transaction the lender remains in control, while the determination of sales price is performed by the bank. The bank receives offers from the potential buyers and either accepts or rejects them. From the point of view of a buyer, the process of negotiation with a bank is tedious and lengthy. If you are a buyer you need to possess sufficient patience and not get frustrated in the interim period. If you are lucky enough, you might find that your offer has been accepted straightaway. Otherwise, it might take weeks, or even months before your offer gets accepted. Only then is your entire process of purchase complete. It can be understood quite clearly that lenders hold a distinct advantage in this process and often banks wait for offers from multiple sources before finally accepting one. If you are a buyer then expert real estate agents can be your ally during this entire process of negotiation.
At Realty Executives OCDreamhomes, our agents not only understand the significant paperwork involved in the negotiation process with the bank, they would assist you to get your order to smoothly move through the course of this process. A lot of the properties,due to the stress scenario, are not located in ideal locations nor are those in their best conditions. In such scenarios, lenders might be a bit lax with their terms of lending so that they can get offers for such properties. But in majority of the cases the conventional set of guidelines that is existent is adhered to regarding financing a purchase.
Competent and expert real estate agents are well aware of the fact that legal questions are bound to arise anytime during the process of short-sale property transaction. These agents hence would advise you to seek help regarding tax policies from authorized public accountants and regarding legal questions from attorneys. In order to ascertain whether you are interacting with expert real estate agents you need to get certain aspects clarified. These would include the experience of the concerned agent, the prior cases handled, etc. Only if the agent seems to convincingly answer all your queries should you go ahead with choosing that concerned person.
Want to learn more about the Dana Point Real Estate or sorrounding areas?
Learn more at http://www.ochomebuyer.com
Wednesday, September 8, 2010
San Clemente Real Estate - San Clemente Hiking Trails and Bike Ways Map
I found this online and thought it was very cool. The city of San Clemente came up with a new hiking trails and bike ways map.
The detailed map was developed by local hiking enthusiasts and Tim Shaw, the city's landscape architect. The comprehensive colorful map includes:
The detailed map was developed by local hiking enthusiasts and Tim Shaw, the city's landscape architect. The comprehensive colorful map includes:
Cristianitos North: 1.8 mile regional trail (moderate)- Cristianitos South: 2.8 mile regional trail (moderate)
- Forster Ridgeline Trail: 4.2 miles (moderate to difficult)
- Prima Deshecha North: .7 mile regional trail (moderate)
- Prima Deshecha South: 3.1 miles regional trail (moderate)
- San Clemente Beach Trail: 3.5 miles (moderate to difficult)
- State Park TrailsTalega Trail, San Clemente City Trail: 2.8 miles (moderate to difficult)
- Trestles Trail: (easy access to popular surf beach)
Bike Ways include:
Class I Bike Paths: Off-street paved
Class II Bike Paths: On-road striped bike lanes
Class III Bike Paths: On-road shared-lanes signed bike routes
You can get download a free, full size, printable color copy of the map San Clemente Trails MapIf you prefer a print version of the map on waterproof, tear-free paper, you can get it at city facilities for about $2.If you are looking for San Clemente homes for sale, or looking Dana Point real estate or Newport Coast properties, visit the website at San Clemente Real Estate Dana Point Real Estate Newport Coast Homes to view homes for sale, your can search for all the Orange County Beach Cities real estate at Dana Point Real Estate San Clemente Homes for sale Newport Coast Properties .
Monday, May 17, 2010
Sunday, May 16, 2010
Dana Point Real Estate and South OC Real Estate Markets update - May 2010
Take one minute to update yourself on what's happening in your housing world.Just go to the right of my website and you will get the report :) Also, for the newest listings hitting the market right now, simply do your search from there. Thanks!
Wednesday, April 14, 2010
NO MORE STATE TAX ON FORGIVEN DEBT - April 2010
This is an extract from Realegal® , published by the CALIFORNIA ASSOCIATION OF REALTORS®,
Distressed homeowners no longer have to pay California state income tax on debt forgiven in a short sale, foreclosure, or loan modification.This is an extract from Realegal® , published by the CALIFORNIA ASSOCIATION OF REALTORS®,
Distressed homeowners no longer have to pay California state income tax on debt forgiven in a short sale, foreclosure, or loan modification.
For the full article, please visit
http://www.ochomebuyer.com
Distressed homeowners no longer have to pay California state income tax on debt forgiven in a short sale, foreclosure, or loan modification.This is an extract from Realegal® , published by the CALIFORNIA ASSOCIATION OF REALTORS®,
Distressed homeowners no longer have to pay California state income tax on debt forgiven in a short sale, foreclosure, or loan modification.
For the full article, please visit
http://www.ochomebuyer.com
Market update for April 2010
Take one minute to update yourself on what's happening in your housing world.Just go to the right of my website and you will get the report :) Also, for the newest listings hitting the market right now, sign up for daily updates or just go to the website, enter your criteria and the results will show up right away!
http://www.ochomebuyer.com
http://www.ochomebuyer.com
Monday, April 5, 2010
March 2010 Update on your local market!
Take one minute to update yourself on what's happening in your housing world.
Just go to the right of my website and you will get the report :) Also, for the newest listings hitting the market right now, sign up for daily updates or just go to the website, enter your criteria and the results will show up right away!
http://www.ochomebuyer.com
Just go to the right of my website and you will get the report :) Also, for the newest listings hitting the market right now, sign up for daily updates or just go to the website, enter your criteria and the results will show up right away!
http://www.ochomebuyer.com
Thursday, February 4, 2010
What's Happening in Local Markets? Orange County Report for February 2010
Take one minute to update yourself on what's happening in your housing world.
Click on the link:
What's Happening in Local Markets?
For more information on homes in Orange County and to look for homes, bank owned, short sales, investment properties in Orange County, click on the link below, that will take you to my website with a full list of the MLS homes posted.
OCHOMEBUYER.COM
Click on the link:
What's Happening in Local Markets?
For more information on homes in Orange County and to look for homes, bank owned, short sales, investment properties in Orange County, click on the link below, that will take you to my website with a full list of the MLS homes posted.
OCHOMEBUYER.COM
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