Crescent City Real Estate News

A Lender’s Appraisal Does Not Care About Your Upgrades

Sat, 27 Feb 2010 10:49:19 -0600

It is difficult to have this conversation with a client who has poured their heart and sole into fixing up or maintaining their home to a certain standard. To tell them that basically their home will be looked at just as the home down the street that doesn't have flower beds or crown molding can be devastating to many homeowner's who made those improvements just for the reason of increasing value.

The following post by Tony Grego puts it into perspective when he says this is a lender driven market. Anyone involved in real estate at this point knows exactly what Tony is talking about.

Via Tony Grego with American Bank Mortgage Group - 317-714-8080:

Do you feel that pricing a home is a little like throwing darts these days? Sometimes you hit, most times you miss?

At the end of the day Realtors have a next to impossible job trying to help clients price their home. I don't think I ever met anyone that wants to lose money but most homes we price today should reflect a lower price than a few years ago. Now I'm on the mortgage side of things but I hear the same things. My house is worth XXX,XXX due to:

"I have nicer landscaping."

"I just replaced the carpets."

"I just repainted the walls."

"I just had the bathroom toilet fixed."

"I had my furnace replaced last year."

Realtors work very hard with comparables, pictures and stats to help support the price. I'm not saying that these upgrades are not important. They just don't really add value. They add eye and curb appeal to help a potential client say yes to the listing.

What goes into a Lender's Appraisal?

For Fannie Mae, Click here

For Freddie Mac, Click here

For FHA, Click here

Most homes are financed. So these appraisal standards are important when you price. Remember we are in a Lender's Market. Nothing will turn a buyer off more than working hard on a price agreement only to find out the appraisal comes in short. So to best serve our clients remember that most of the weight for your pricing strategy must be Lender comps.

At your service,
Tony Grego
Senior Mortgage Banker American Bank - Indianapolis, IN Branch
www.getmyratequote.com
www.tonygrego.com to learn more about me

317-348-0280 direct line
317-536-3754 fax
"Bankers with vision, helping people with dreams!"

Thank you for stopping by. Your comments on this post are welcomed and appreciated.
No one sold more homes in Del Norte County in 2009--*both in number and volume--than Fran. Put Fran to work for you!

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Bus: 707-464-5400, Cell: 707-218-8162
Email: frangatti@remax.net
Website: FranGatti.com
My Blog: Fran's Blog
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50 Inexpensive Tips to Dramatically Increase the Value of Your Properties

Thu, 25 Feb 2010 23:17:40 -0600

This is a comprehensive list of suggestions for readying your home for sale. If you have your home listed, or if you are going to list your home, have a gander at these ideas and think about trying some or all of them!

Happy selling!

Via Tai DeSa (Significa Corporation):

50 Inexpensive Tips to Dramatically Increase the Value of Your Properties

By Tai A. DeSa, Significa Corporation

Professional landlords and investors involved in property flipping should constantly seek to improve their property value while keeping costs low. Below is a list of 50 tips that we shared with our property investment club (the Lehigh Valley Real Estate Investors Group).

Tip #1: Add a basic alarm system. The number one concern for any resident is security. If a homeowner or tenant does not feel secure, then eventually they will move elsewhere. Many security alarm providers have lucrative introductory offers for equipment and/or installation. If you provide an alarm system for your tenants, raise the rent and offer a "free security system." Or, have your tenants pay the monthly monitoring fee.

Tip #2: Install matching light fixtures and ceiling fans. Consider some track lighting with dimmers to highlight artwork or showcase a particular part of the room. Consider flex track lighting or suspended track lighting. The addition of a dimmer switch makes your lighting more versatile and is a great mood enhancer. Ceiling fans add value, and you may want to consider adding them in place of staid old light fixtures. If you don't want to replace existing ceiling fans, make sure you clean the dust off the blades and update the decorative pulls at the end of the chain.

Tip #3: Do some basic landscaping, particularly in the front yard. The front yard is the first thing that potential buyers see, so don't miss out on your chance to pique their interest. Prospective buyers and tenants make up their minds about your home as they walk the first 10 feet from their car to your front door. A junky yard will make them think that you've neglected maintenance. A pristine yard will reassure them that your home is well kept. Focus on a clean cut, straighten up the lawn edges, freshen the landscaping and add some color spots or striking shrubs for impact. Mulch is inexpensive, so use it. If your yard lacks interest, consider constructing a retaining wall. Use railroad ties, bricks, or stones to construct that wall. The landscape design should complement your home's style and colors.

Tip #4: Get a new front door, or give the existing one a facelift. Paint the front door a complementary but bold color. Choose a color that says, "Look at me!" Once you're finished painting the door, install a new doorknob that emphasizes sturdiness and class. Also install a new kick-plate that matches your lockset finish. Remember, while your prospective homebuyer or tenant is waiting for you or the real estate agent to let them in, they are observing your front door. If you have an old storm door, get rid of it. If you really feel the need for a storm door, install one of those with a lot of window space to highlight the bold color of your front door.

Tip #5: Install some blinds and window shades. Certain rooms could really use blinds or shades to emphasize style. The best places to start are the living room, kitchen, master bedroom, and master bathroom. These are the four rooms that prospective buyers and tenants will study most when evaluating your property. Pick window shades that complement existing furniture or your paint color. If you want to stick with inexpensive vinyl blinds, then make sure all the blinds in the room are a matching color. When showing a home during the day, you should always have your blinds and shades open to let in abundant light (unless you've got a clear view of the mess in your neighbor's backyard).

Tip #6: Get rid of photographs of people. You may love Aunt Matilda, but you don't need to have her portrait posted all over the home you're showing! Prospective buyers and tenants need to imagine themselves living in the home, not you and your family. If you are going to put up photos, display pictures of nature.

Tip #7: Clean off the tops of the water heater, furnace, oil tank, washing machines, and any other mechanical fixture. Most homeowners don't bother to do this at all. Clean the dust and grime off the top of your furnace, water heater, oil tank, washing machines, and so on. This makes these devices look newer, well-maintained, and clean. If you have a dirty-looking furnace, don't be surprised if your buyer demands a concession for a new furnace. Don't say I didn't warn you!

Tip #8: Make sure every light bulb in the house works. Always make sure that every light bulb in your home works. If the prospective homebuyer or tenant can't see your place, then you can't expect them to like your place. When people see lamps with one good bulb but three burned-out ones, they think that you don't maintain the residence and they worry about other deferred maintenance. Where it's safe, use higher wattage light bulbs in your lamps for a bright, warm atmosphere. Also consider slightly pink-tinted or full spectrum "natural" light bulbs to create a warm glow for your home. Don't forget about the bulbs in your basement and in your exterior lamps.

Tip #9: Place decorative flowers and candles throughout the home. Fake (or real if you can water them regularly) flowers work wonders. You can often buy fake flowers at yard sales or in the clearance section of stores. Candles give the home a romantic or warm feel. Scented candles are best. Some scents are so strong that homebuyers can smell them even when the candle isn't burning. Once you've sold or rented the home, pack the flowers and candles in a box and stage your next property.

Tip #10: Place magazines about luxury homes around the house. Magazines about elegant homes or sophisticated styles can put prospective homebuyers and tenants into the mood. When they see that bright, shiny issue on your nightstand or coffee table, they envision your property as the stylistic new home that they wish to live in. Grab some copies of Our House®, Elegant Homes, Beautiful Homes^TM, and Better Homes and Gardens^TM.

Tip #11: Refinish your hardwood floors. Most people like hardwood floors, particularly if the floor has a luster to it. If your hardwood floors are stained, you still may able to sand them and apply a darker finish that hides stains. If your hardwood floors don't need to be sanded but have dull spots or cracks, try some off-the-shelf refinishing agents or cleansers. Murphy's® Oil Soap or Rejuvenate polish are personal favorites to restore that classic wood look.

Tip #12: Get rid of clutter. Space sells. If you have clutter, don't stuff it in your closets, or your basement, or your garage. Throw it out or rent some storage space. Prospective buyers and tenants should not feel hemmed in because of all the boxes you have laying around or those old rickety chairs you can't seem to discard.

Tip #13: Shampoo your carpet. Yes, many people like new carpet for obvious reasons. However, we can't always afford to buy new carpet, for obvious reasons. Rent a carpet cleaning vacuum or hire a shampoo service. The proper detergent and equipment can get rid of old stains and make odors disappear.

Tip #14: Place air fresheners throughout the home. You'd be amazed at how easy this one is but how many people don't actually do it. Potpourri and air fresheners set the mood. People tend to associate fresh scents with cleanliness and purity. Be careful not to overdo it with the air fresheners, or people will think you're trying to hide an odor.

Tip #15: Powerwash the exterior of the home. Road dust builds up under overhangs and coverings. Mold, moss, or insects may accumulate on your siding. By powerwashing your place, you'll make your house that much more inviting from the street. Even though there's a For Sale sign in the front yard, be advised that many passersby will not call the phone number if the house looks dirty or old. If they do call the number, they may be looking to give you a lowball offer because they think you can't afford the upkeep.

Tip #16: Install brushed-nickel or brass switch plate and wall outlet covers in the master bedroom, the kitchen, and the dining room. Many places I've seen for sale or rent do not have matching switch plates and outlet covers. Some are ivory, some are brown, some are white, and most are dirty. New outlet covers and switch plates can cost anywhere from a few cents to several dollars. You may want to consider installing brushed-nickel or brass covers in your most heavily trafficked rooms. These covers give the room a look of elegance and style.

Tip #17: Replace those old, worn-out doorknobs. I've seen doorknobs that are over 80 years old and have been painted over several times. Ugh! Doorknobs can be some of the most dirty, bacteria-infested items in the house, and don't your prospective buyers know it! Replace those old doorknobs with new ones. If you have a brass theme in the room, go with brass. If it's brushed-nickel you like (and that's "in" nowadays), then go with that look.

Tip #18: If you have a paved driveway, reseal it. If your driveway is already paved but is cracked or otherwise in bad shape, repair it and/or use a driveway sealer. A sharp-looking driveway is the first thing a prospective buyer or tenant sees because that's what they're driving toward. Besides, the sealer prevents existing cracks from becoming worse.

Tip #19: Compile a full list of the warranties on the appliances and fixtures, and leave that list on the kitchen counter. If your home has been repaired in recent years, such as a new roof, or if you've replaced major appliances, be sure to have the receipts on hand to show interested buyers. Better yet, type up a list of the warranties and leave copies of that list on the kitchen counter. Many homebuyers need to feel secure that items in the house are in good working order. If your house is the only one with warranty information, these buyers may be more likely to make an offer (and a good one at that).

Tip #20: Run an air purifier to get rid of those lingering odors. You're used to the odors in your house, but trust me, no one else is. If a thorough cleaning and some well-placed potpourri don't do the trick, then it's time for an air purifier. I have an EcoQuest air purifier, and it eliminates the bacteria that can cause odors. There are less expensive purifiers on the market, so take your pick. A good place to run an air purifier is the basement.

Tip #21: Refinish your vinyl or tile floors. Clean your vinyl and tile floors. If that isn't enough, then it's time to find the right chemicals, solutions, or polymers to make those floors look like new. Tile floors may need new grout. Perhaps you need to replace a cracked tile (I should hope you bought one or two extra tiles way back when for just such a need). Regarding vinyl floors, I am a fan of Rejuvenate polish. You can use a flat mop to apply it, and it fills in cracks and shines the floor.

Tip #22: Spend a day looking at Open Houses held by property sellers. After observing what other people do with their homes, you'll view your property with a fresh perspective. Plus you'll get a feel for what the market values are in your neighborhood. Top athletes check out the competition. Top businesspersons check out the competition. You should too.

Tip #23: Oil your door hinges so they don't squeak. You may not notice the squeaking hinge because you've heard it so many times, but buyers will wonder what else needs maintenance. Oil those hinges. Also make sure that every door opens and shuts with ease. Sometimes doors get misaligned and they don't shut unless you apply lots of pressure.

Tip #24: Replace your doorbell if it is old or worn. One of the first things a prospective homebuyer notices is the doorbell. Is it old? Does it work? Does anyone in the house hear the bell? Imagine if you're home, waiting for a prospective homebuyer to stop by, and you can't hear them ringing the bell. Doorbells are inexpensive items, and a new one (at least a new button) will impress your visitors.

Tip #25: Clean, clean, clean. Once the potential buyer walks through your front door, they should be wowed by the cleanliness. A sparkling home just screams that it's been properly maintained. Even if you clean regularly, chances are, there are things you don't notice because you live there. Consider spending a couple hundred dollars and bring in the professionals for a thorough cleaning. With a window cleaning, your house will surprise you with a new look.

Tip #26: Modernize that kitchen. As the hub of family interaction, the kitchen is the heart of the home. Brighten the cabinets with a fresh coat of paint or some updated hardware. Add a new faucet or light fixtures to rejuvenate the space or change the window coverings for a more modern feel. Buyers are always interested in the kitchen, so try a quick facelift that will turn up the heat on your bottom line.

Tip #27: Brighten up rooms with new paint. This one is obvious but many people still don't do it (or do it properly). New paint may be one of the most effective dollar-for-dollar value enhancers. You can hire a professional or do it yourself. Choose neutral colors for most rooms, but don't be afraid to use a bold color (red? black? violet?) on a wall or two to create contrast or style. Just don't go crazy with the bold colors. Also consider painting the walls and trim complementary colors.

Tip #28: Give the master bedroom a bold and romantic look. People associate the master bedroom with romance, authority, comfort, and style. Give the people what they want! Buy some new bed sheets or throw pillows. Consider a new comforter. Set up candles and flowers. Get rid of junk. Don't leave any clothes laying around.

Tip #29: Add crown moulding. It is available in countless colors, widths, and styles - from simple to elegant; classic to contemporary. Moulding can give an ordinary looking room the special touch needed to make it really stand out.

Tip #30: Add landscape lights or a decorative street lamp. A classy street lamp gets attention, even during the daytime. Landscape lights can really establish security and elegance at the same time. I've seen prospective homebuyers view a home during the day, and then insist on coming back at night to see how the place looks. You don't have to overspend, but consider adding or updating your exterior lamps.

Tip #31: Install a new mailbox. Mailboxes can be relatively inexpensive. Install a new one so your prospective buyers and their prospective houseguests don't have to look at that dingy old thing on the front of the house.

Tip #32: Remove weeds from between concrete slabs and walkways. This is a sure sign of property neglect and a big turn off for potential buyers. Nowadays, you can buy weed-killing chemicals that destroy unwanted plant life in hours. Or you can try a solution of 20 percent bleach and 80 percent water.

Tip #33: Build a new garage or add a carport. Every homeowner knows the advantages afforded by a garage, and every prospective buyer will see a garage as a big plus. A new home garage is a great property enhancer that increases the market value of the home. Carports are a less expensive option. Many basic carports retail for $795 to $995. I've seen people fall in love with the interior of a home but fail to put in an offer because they complained about the lack of a garage.

Tip #34: Install an automatic garage door opener. Another fine way to increase property value is to install a garage door opener. Select a model with a multi-code garage door opener remote that routinely changes the code for additional security.

Tip #35: Enhance your porch or doorstep with pots or baskets of blooming annuals. This is an inviting and fragrant way to boost visual appeal and add eye popping color. You can find flower pots at dollar stores, and a bag of topsoil may cost only slightly more than a dollar. I like to keep flower pots at many of my properties for sale, and once they've sold I take the pots (flowers and all) and plant them on the doorstep of the next property I want to sell. A tip to keep the flower pots light is to place some empty water bottles in the base and cover them with soil. Sometimes the flowers won't need a lot of dirt, and the empty bottles create space but not added weight. Make sure you water the plants often enough, because dead plants will have the opposite effect of what you intend.

Tip #36: Give your old BBQ grill a makeover. Degrease it first, rinse well; repeat if necessary. Once totally clean and dry, refinish it using a bright fireproof/high-temperature paint. Select a color that complements your home's exterior look. Or try something fun that will really stand out, such as orange, yellow, or blue.

Tip #37: Install shutter and window box sets that match. Shutters and window boxes add charm and character to a home. Some people prefer to place fake flowers in the window boxes, while others prefer the real thing.

Tip #38: Install a skylight dome or roof skylight. People like natural light, especially light from above. Skylight installation also increases natural lighting in rooms; making them more inviting and cheerful.

Tip #39: Build a mini herb pantry. Many homes are sold based upon the setup of the kitchen. An herb pantry can be something as simple as a cubby hole built into the wall between studs. Or it may be a closet area converted into an herb pantry with a glass door.

Tip #40: Add something "green," like solar panels. Green is good these days (or any day). Many homebuyers need to feel like they are doing something good for the planet, while saving money at the same time. Solar panels are en vogue again. Consider installing some of them. Another green activity that enhances value is to add insulation where it's needed.

Tip #41: Empty out that cluttered basement. Many basements can be downright scary. You certainly don't want that impression. When selling your property, I suggest you empty out the basement as much as possible. Take your junk to the trash dump or place it in storage. Homebuyers need to sense that they have lots of open space (to store the junk they have in storage).

Tip #42: Trade in those old, leaky faucets for shiny new ones. We all know that kitchens and bathrooms can attract buyers, or repel them. The centerpiece of any kitchen or bathroom is the sink, and the centerpiece of any sink is the faucet. Replace them yourself or hire a handyman. You'll often find perfectly good faucets on the clearance shelf at home improvement stores.

Tip #43: Change the filter in your air conditioner. You want to avoid that musty, stale smell when it is operating. Whether it's a window air conditioner or a central air system with ductwork, change the filter.

Tip #44: Hang a large mirror in the living room. It creates virtual space and the illusion of greater size. Buyers and renters love open space. Give it to them!

Tip #45: Make sure the colors of your kitchen appliances match. A kitchen with a yellow refrigerator, a stainless steel range, and a white microwave may look okay to you, but it doesn't look right to buyers. Make sure you match the colors. This may not require purchasing all new appliances. Sometimes it's a matter of ordering the right color panels.

Tip #46: Hang new towel bars and toilet paper holders. Once you've replaced the bathroom faucet, you'll want to change the towel rack and toilet paper holder to match it. Always make sure that you have a roll of toilet paper on the holder. I suggest you hang a decorative towel on the bar too. That makes the bathroom look complete.

Tip #47: Run a dehumidifier. A perpetually damp basement or bathroom can be the breeding ground for mold, odors, and insects. Neither mold nor odor nor insect helps your cause. Run a dehumidifier to dry out the air and cut down on the musty smell.

Tip #48: Paint the fence or railings surrounding your home. A freshly painted fence creates a tremendous Wow! factor. Prospective homebuyers often observe the exterior of a property before even considering whether to view the interior. If your exterior is old and decrepit, then you simply won't have many showings. By repainting the fence, you may even inspire your neighbors to paint their fences and railings to keep up with you. Spray paint works well on metal or cast-iron railings. Be sure to use primer first.

Tip #49: Install new street numbers on the front of your home. When prospective buyers or tenants are driving around the neighborhood trying to find your address, their eyes will gravitate toward bright, shiny, new street numbers. I should hope that those shiny numbers are affixed to your house. It only costs a few dollars to buy new brass or brushed-nickel numbers to boldly identify the front of your property. This is money well spent.

Tip #50: Use throws in colors that match the room to cover up worn sofa and chair upholstery. You could attempt to buy all new furniture to spruce up a room in the place you want to sell or rent. Or if all new furniture is not in your budget, buy some throws and pillows to place on your furniture.

Thank you for taking the time to read our blog on how to increase the value of your properties. We hope that these tips will aid you in your property investment buying and selling. We at Significa are grateful to be aligned with people like you.

________________________________________________________________________________

About the Author: Tai A. DeSa is Chief Executive Officer of Significa Corporation, a professional real estate investment company based in Pennsylvania (www.significacorp.com and www.significadeals.com). DeSa is a graduate of The Wharton School at the University of Pennsylvania. Prior to entering the real estate investment business, he served as an officer in the U.S. Navy. He is the oldest in a family of 11 children and was valedictorian of his high school class. DeSa is also an Associate Broker with Keller Williams Real Estate (www.thetaidesateam.com). He is an organizer of the Lehigh Valley Real Estate Investors Group (www.lvrig.com) and an Area Director with Business Network International (www.bnidvr.com).

Brought to you by Fran Gatti at
No one works harder for you!
Bus: 707-464-5400, Cell: 707-218-8162
Email: frangatti@remax.net
Website: FranGatti.com
My Blog: Fran's Blog
RDCPro®

*PER CCMLS

Lovely home amid the redwoods on 1, private acre for $319,000

Thu, 25 Feb 2010 00:20:04 -0600

Fran Gatti | RE/MAX Coastal Redwoods | frangatti@remax.net | 707-218-8162

1111 Cessna Drive, Crescent City, CA

Excellent location, 3/2 home on 1 acre with detached 3 car shop. Privacy among the redwoods!

3BR/2BA Single Family House

offered at $319,000

Year Built	1982
Sq Footage	1,750
Bedrooms	3
Bathrooms	2 full, 0 partial
Floors	1
Parking	4+ Car garage
Lot Size	1 acres
HOA/Maint	$0 per month

DESCRIPTION

Desirable Parkway neighborhood home for sale! This lovely 1750 sq. ft. home is on 1 landscaped acre with redwoods & other native plants with a 2 car attached garage & 3 car (24' x 40') detached shop with wood stove, cable, electricity and 220 wiring. Home includes new vinyl flooring, security system, wood laminate in guest rooms and forced air heating. Family room/den has wood stove and built-in oak shelves. Kitchen has breakfast bar, newer appliances (including flat top stove top, built-in oven and microwave, stainless Bosch dishwasher) and large pantry. Cedar vaulted ceiling in living room with lots of windows. Views or landscaped grounds from every window. Indoor laundry (washer and dryer included in sale price). Soaker hoses in flower beds, home has vacuum system (buyer would need to purchase vacuum cleaner and attachments), private paved road, excellent neighborhood, large circular driveway and lots of privacy.

see additional photos below

PROPERTY FEATURES

- Central heat	- Fireplace	- High/Vaulted ceiling
- Walk-in closet	- Family room	- Living room
- Dining room	- Dishwasher	- Stove/Oven
- Microwave	- Stainless steel appliances	- Washer
- Dryer	- Laundry area - inside	- Balcony, Deck, or Patio
- Yard

OTHER SPECIAL FEATURES

- 3 car detached shop

- Lovely landscaped acre

- Excellent location in desirable neighborhood

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5	Photo 6

Contact info:

Fran Gatti

RE/MAX Coastal Redwoods

01723796

frangatti@remax.net

707-218-8162

For sale by agent/broker

Equal Opportunity Housing

Posted: Feb 24, 2010, 8:53pm PST

Brought to you by Fran Gatti at
No one works harder for you!
Bus: 707-464-5400, Cell: 707-218-8162
Email: frangatti@remax.net
Website: FranGatti.com
My Blog: Fran's Blog
RDCPro®

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Seller's update for Del Norte County real estate market

Wed, 24 Feb 2010 23:46:02 -0600

Seller's update for the Del Norte County real estate market.

I felt compelled to write this seller's update on the Del Norte County real estate market because I am fielding A LOT of questions on this topic these days. I am getting a lot more calls for listings, which generally happens this time of year, and many of the listings are for upper end homes, $350,000 and above.

I feel like a broken record saying the same stuff over and over again, and believe me, my clients do not want to hear it, but I call it like I see it based on statistics and quantifiable market data, not smoke and mirrors.

The market data says it's slow for upper end homes. That should come as no surprise to anyone, but believe it or not it does. I still have clients who think the market has picked back up. Well it has, but for homes priced $200,000 and under, they comprised 66% of all residential sales from October 1, 2009 to today.

Why? We have a financing vehicle for these folks and they've been priced out of the market for so long that there's plenty of pent of demand. Most are first time home buyer's with some investors sprinkled in. Investors usually have cash and first time home buyers have the USDA Rural Housing Program. Financing a home above $350,000 can be a bit more challenging, plus most buyers in that category have to sell their home in order to buy.

The long and short of it is only 4 homes priced over $350,000 have sold in Del Norte County since 10/1/09 and none have sold since that date that were priced over $550,000.

Do I see that changing?

Well yes. We are coming out of our slow season, so sales overall should pick-up, however, even if upper end home sales doubled, that would mean about 1.5 homes in that price range would sell a month! There are currently 60 homes for sale over $350,000 in Del Norte County, so, if they sold at the rate of 2 per month, it would still take over two years to sell all the current inventory (the absorption rate).

If you must sell a home that is in the over $350,000 price range, you will want to be competitive. In other words, the nicest home for the money. If your home is not competitive, it probably will not sell in a timely manner.

Another thing to consider...will my home appraise?

You may list your home for your dream sales price and get a full price offer, but if your buyer is using financing, you have a HUGE hurdle to jump over with the appraisal process. A bank will not lend more than the appraised value, so even if you get that dream price, you may have to face reality by renegotiating your price because of an under-appraisal. It's happening more and more so be aware of that possibility.

You can lessen your chances of having your home have appraisal issues, long days on market, and other problems by working with a FULL TIME agent who has actually sold a bunch of homes and is successful. Your chances greatly increase in selling your home in a timely manner if you work with a professional who follows their market and sells a fair amount of homes.

If you have questions about the Del Norte County real estate market I would love to answer them. I like to talk about our market statistics and how they affect you the home buyer and seller. Give me a call.

Brought to you by Fran Gatti at
No one works harder for you!
Bus: 707-464-5400, Cell: 707-218-8162
Email: frangatti@remax.net
Website: FranGatti.com
My Blog: Fran's Blog
RDCPro®

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Sac Bee Article: OneWest Bank Accused Of Pushing Home Loan Borrowers Into Foreclosure

Mon, 22 Feb 2010 00:34:13 -0600

This is a follow-up to the previous post I re-blogged of Bob's. If you or someone you know is trying to get a loan modification or short sale approved with One West Bank, make sure you read this post and the Sacramento Bee Article the post links to.

You may have recourse!

Via Robert G Hertzog (Summit Home Consultants):

Sac Bee Article: OneWest Bank Accused Of Pushing Home Loan Borrowers Into Foreclosure

In an effort to keep everyone that has been following this story apprised of new developments, I wanted to post the article that just came out in the Sacramento Bee today. It looks like homeowners are fighting back and filing lawsuits. To view the article, click here.

Never mind that fact that loss-share agreements are expected to cost the FDIC (and ultimately, the U.S. taxpayers) $122 Billion. Attorneys are now saying that this practice is unfair to borrowers trying to work with their lenders, as they provide an incentive to disapprove loan modifications, and proceed to foreclosure.

Hopefully, IndyMac and the FDIC will finally get what is coming to them.

Bob Hertzog

www.foreclosureuturn.com

Brought to you by Fran Gatti at
No one works harder for you!
Bus: 707-464-5400, Cell: 707-218-8162
Email: frangatti@remax.net
Website: FranGatti.com
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OneWest Bank Releases Their First Year Profit Statement $1.6 Billion- You Won't Believe This One!

Mon, 22 Feb 2010 00:15:04 -0600

Folks, this blog by Robert Hertzog is a must read. Here is a link to the video Robert refers to in this post. If you are facing a short sale or foreclosure or know of someone who is, this information will prove useful.

Via Robert G Hertzog (Summit Home Consultants):

OneWest Bank Releases Their First Year Profit Statement $1.6 Billion- You Won't Believe This One!

Kudos to Scott Reckard with the LA Times. He wrote an article today that is sure to open some eyes. The article, titled "OneWest Bank Profit: $1.6 Billion" does an excellent job of pointing out some very interesting observations.

According to the article, OneWest paid the FDIC $1.55 Billion for the failed IndyMac Bank, and turned a profit of $1.57 Billion in it's first year. The article specifically addresses the shared-loss agreement that was also put in place by the FDIC, which is expected to cost the FDIC nearly $11 Billion.

The reason I'm posting this article is that it dovetails perfectly into my blog titled "Is The FDIC Killing OneWest IndyMac Short Sales" in September/2009. The blog, which ended up being the basis of the recent video produced by Think Big Work Small (without my knowledge or consent, by the way) deals with a transaction I handled for one of my clients with OneWest Bank. Rather than go into all of the details of the blog you can read it here. But basically, it centered on shared-loss deals, and how they are creating a disadvantage for consumers trying to accomplish loan modifications or short sales.

The FDIC was so upset with the video that they decided to issue an official press release on Friday, February 12th. The LA Times article specifically states that the FDIC refused to comment today on the profit statement released by OneWest today.

So let me get this straight... The FDIC issues an official press release on a YouTube video, but doesn't want to talk to anyone about the profits OneWest just reported today, and the possible effects of the shared loss agreement they have in place with them? Interesting. Anyway, enjoy the article. This story is beginning to "grow legs", as they say. With 93 other loss share agreements in place, according to a recent Business Journal article, I'm sure this is something we will all hear more about in the very near future.

Oops, I spoke to soon! While writing this article, I just found out that the FDIC just issued ANOTHER press release, this time announcing that they just sold La Jolla Bank in La Jolla, CA to, guess who? You got it, OneWest Bank! And guess what? That's right, they signed yet another Loss Share Agreement with them as well. Well, that makes a total of 95 loss share agreements, and counting!

Folks, it's time to stop this madness. The LA Times article shows what this program is costing the American Taxpayer. Some, like the FDIC (and their banker buddies) will tell us time and time again that the FDIC receives no taxpayer dollars, and is funded wholly by the FDIC premiums charged to the banks. Think about it... When banks have to pay more for increased premiums, where do you think they get the money? Quite simply, they raise their rates to YOU, the consumer, to cover these additional expenses. And, when they finally run out of money, they have a nice little $500 Billion "Credit Card" they can use at the U.S. Treasury. Where do you think this money comes from? Correct... YOU, the taxpayer.

So do your part and help spread the word. It's time to stop asking questions, and start demanding answers from our fearless leaders in Washington. Don't just read this and get mad. Read this and share it with all you know.

Bob Hertzog

www.foreclosureuturn.com

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Terry Hoskins Bulldozes home as Bank Moves Ahead with Foreclose

Sun, 21 Feb 2010 21:18:48 -0600

The short of it is Terry Hoskins built his home, which was worth an estimated $350,000 and like so many people, found himself facing foreclosure. He owed the bank approximately $160,000 and had an offer of $170,000 for the home that would pay off the loan at RiverHills Bank. The bank said, "No." According to Mr. Hoskin's, the bank wanted to continue the foreclosure because they could make money on the resale of his home.

Mr. Hoskin's warned the bank he would bulldoze the home before that would happen and the bank did not believe him, which was a mistake. Mr. Hoskin's consulted with an attorney before he bulldozed his home and said he understood the possible ramification's of his actions.

Mr. Hoskin's indeed bulldozed his home and all that is left is a pile of rubble covered with snow.

Here is a link to the story and video.

RiverHills Bank, may have inadvertently lit the match to a trend of homeowner's who are tired of taking it in the shorts from their bank. The stories are mounting from frustrated homeowner's who have been waiting for 6 months or more to have a loan modification completed and don't even get me started on how banks deal with short sales. Suffice it to say, their customer service is lacking.

I read the comments to many of the articles on Mr. Hoskin's story on the net and reader's are overwhelmingly in support of Mr. Hoskin's. It appears that the fact that the bank made the call to foreclose, even when Mr. Hoskin's had an offer for his home that would pay off the amount owed the bank, has angered homeowner's far and wide.

In the wake of huge bank bailouts, it's no wonder people have the attitude, "We're not gonna take it anymore." What say you?

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Tri-level, distant ocean views, 3/2.5 home priced for short sale

Fri, 12 Feb 2010 00:57:23 -0600

Fran Gatti | RE/MAX Coastal Redwoods | frangatti@remax.net | 707-218-8162

2616 Roy Ave, Crescent City, CA

Short sale, distant ocean view, tri-level with bonus room or possible 4th bedroom in quiet neighborhood.

3BR/2+1BA Single Family House

offered at $149,000

Year Built	1981
Sq Footage	1,644
Bedrooms	3
Bathrooms	2 full, 1 partial
Floors	3
Parking	Unspecified
Lot Size	.14 acres
HOA/Maint	$0 per month

DESCRIPTION

Distant ocean views, not far from south beach. Split level floor plan with living room, dining room, large kitchen, 3 bedrooms and 2 full bathrooms upstairs as well as half bath and bonus room on bottom level with laundry room. Bonus room could be made into fourth bedroom. This home is a short sale. Roof to be fixed soon.

see additional photos below

PROPERTY FEATURES

- Fireplace	- High/Vaulted ceiling	- Family room
- Living room	- Dining room	- Dishwasher
- Refrigerator	- Stove/Oven	- Laundry area - inside
- Balcony, Deck, or Patio

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5	Photo 6

Contact info:

Fran Gatti

RE/MAX Coastal Redwoods

01723796

frangatti@remax.net

707-218-8162

For sale by agent/broker

Equal Opportunity Housing

Posted: Feb 11, 2010, 9:35pm PST

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Great Location, 2/2 MH in consistent neighborhood for $125,000 and on .22 acre

Fri, 12 Feb 2010 00:19:16 -0600

VIRTUAL TOUR

Fran Gatti | RE/MAX Coastal Redwoods | frangatti@remax.net | 707-218-8162

171 Mobile Lane, Crescent City, CA

$125,000 for manufactured home in very good condition on .22 acre in consistent rural neighborhood,

2BR/2BA Manufactured

offered at $125,000

Year Built	1987
Sq Footage	1,080
Bedrooms	2
Bathrooms	2 full, 0 partial
Floors	1
Parking	4
Lot Size	.22 acres
HOA/Maint	$0 per month

DESCRIPTION

2/2 manufactured home in very good condition on .22 parcel in consistent neighborhood in rural setting. Home has open floor plan with vaulted ceilings,breakfast bar, lots of windows with nice views of neighborhood, indoor laundry, walk-in closet, 2 full bathroom and walk-in shower in master. There is a largestorage shed with pull up door and shop area in the back yard, all this on .22 acre.

see additional photos below

PROPERTY FEATURES

- Central heat	- High/Vaulted ceiling	- Walk-in closet
- Living room	- Dining room	- Stove/Oven
- Laundry area - inside

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5	Photo 6

Contact info:

Fran Gatti

RE/MAX Coastal Redwoods

01723796

frangatti@remax.net

707-218-8162

For sale by agent/broker

Equal Opportunity Housing

Posted: Feb 11, 2010, 8:40pm PST

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Great Location, 2/2 MH in consistent neighborhood for $125,000 and on .22 acre

Fri, 12 Feb 2010 00:19:00 -0600

Fran Gatti | RE/MAX Coastal Redwoods | frangatti@remax.net | 707-218-8162

171 Mobile Lane, Crescent City, CA

$125,000 for manufactured home in very good condition on .22 acre in consistent rural neighborhood,

2BR/2BA Manufactured

offered at $125,000

Year Built	1987
Sq Footage	1,080
Bedrooms	2
Bathrooms	2 full, 0 partial
Floors	1
Parking	4
Lot Size	.22 acres
HOA/Maint	$0 per month

DESCRIPTION

see additional photos below

PROPERTY FEATURES

- Central heat	- High/Vaulted ceiling	- Walk-in closet
- Living room	- Dining room	- Stove/Oven
- Laundry area - inside

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5	Photo 6

Contact info:

Fran Gatti

RE/MAX Coastal Redwoods

01723796

frangatti@remax.net

707-218-8162

For sale by agent/broker

Equal Opportunity Housing

Posted: Feb 11, 2010, 8:40pm PST

Brought to you by Fran Gatti at
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Crescent City/Del Norte County Real Estate Market Report - January 2010

Thu, 11 Feb 2010 00:04:19 -0600

Crescent City/Del Norte County Real Estate Market Report for January 2010 -

January 2010 had 43% more sales than January 2009and only 2 of those 14 sales were REO's, which is encouraging. 4 of January's sales were mobile/manufactured homes in parks bringing in the median price sale for the month at $163,000.

Listings are at a seasonal low of 223 with the median price of listings at $229,500 and average days on market at 223.

For listings $200,000 and under, the DOM for the 98 listings in that price range are 168 days or 14 months. The average DOM for listings above $200,000 is a whopping 253 DOM (or 21 months) for those 128 active listings. The upper end homes are really taking a beating right now.

REO's (foreclosed homes) make up 14% of all Del Norte County listings right now with most REO's selling in under 60 days.

Last year most of the REO's I dealt with were owner occupy, but I'm seeing a definite increase in investor held foreclosures. I think we are going to see foreclosures increase for the coming months with their continuing influence of lowering prices. Click here for suggestions on purchasing Del Norte County foreclosed listings.

If you must sell in this buyer's market, be sure to have your home competitively priced and use a reputable, full-time agent who tracks your market. Proper pricing is where it's at.

Please call me if you're looking for an agent; I will be happy to give you an assessment of your property based on trends and my knowledge of the Del Norte County real estate market.

Fran sold more homes in 2009 both in number and volume than any other Del Norte County agent. Put her knowledge and experience to work for you!

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California to institute 3% withholding on 1099-misc to balance their budget?

Wed, 10 Feb 2010 14:47:39 -0600

Call to Action - Proposal makes businesses into tax collectors and forces small biz to make interest-free loans to state.

California continues to have a severe budget crisis - $20 billion in the hole. Unfortunately, one of the solutions being proposed in Sacramento is yet another budget gimmick - an onerous 3% independent contractor withholding mandate on businesses and public agencies.

Any business/agency hiring an independent contractor (anyone who receives a 1099-MISC) will have to reduce every payment by 3%, and is responsible for remitting that money to the Franchise Tax Board, the state tax collection agency.

Almost all companies, agencies and non-profits of any kind will have to withhold.
Almost anyone who receives a 1099-MISC will be withheld upon, including builders, plumbers, real estate agents, attorneys and health care providers.

Under This Proposal:

The 3% will be withheld even if the business owes no income taxes for the year due to losses/slim profit margins.
The state gets to use the money-interest free until tax return time the next year.
Money is taken out of the pockets of businesses that is needed to keep business afloat, make payroll and pay bills.
Implementation will be extremely costly and complex for businesses and state and local government agencies.
The mandate is ongoing and permanent for businesses/agencies.

All for a one-time money grab that is merely an acceleration/borrowing that generates very few new revenues for the state!

Call to Action:

Add your business's name to the growing coalition against this proposal! To be added, simply e-mail laurie.lively@calchamber.com. Your business's name will be added to the coalition fact sheet.
Write or call your legislators in the Assembly and Senate. Visit CalChamber's grassroots page to view a sample letter and/or look up your legislators' phone numbers.
Spread the word. Forward blog and the fact sheet to other businesses that should be concerned.
Thanks for your help!

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Submitting an Offer on a Del Norte County REO

Wed, 10 Feb 2010 12:09:10 -0600

Here are a few suggestions for buyers and their agents looking to purchase a Del Norte County foreclosure.

I have been working with many different banks and asset managers over the last few years and there seems to be a few common threads in this process:

Don't low ball your offer if the listing is less than one month old.

I have not personally seen a bank accept an offer more than 98% of list price within the first two weeks.

What does that mean for you, the buyer and your agent? Do not submit a low offer if you really want the property.

The theory behind this, the bank has paid 3 real estate agents for price opinions and more than likely an appraiser as well. The asset manager knows their property is priced well (in most instances).

Also, in most instances, the asset manager is bound by the directives of the bank/investor who owns the home and they will not allow the asset manager to go below a certain percentage on price.
Banks require that all buyers have a letter of pre-approval or proof of funds so submit it will the offer.

This is just good business sense. Your agent should have made sure you have this in hand before they show you ANY properties, not just foreclosures. Why waste time looking at properties, if you do not have the means to purchase. That is the surest road to buyer frustration I can think of.
Banks, in most instances, will not do repairs?

The bottom line for a bank is their net and will this escrow close? Inspections can affect both the bottom line and the buyer taking a hike. Don't get me wrong; buyer's need to know what they are purchasing, however, if you truly want to write a clean offer that has a better chance of acceptance, why not pay for your inspections yourself?
If you are asking the bank to pay for your closing costs, and the property is recently listed, you should mitigate the seller concession by raising your asking price.

So, the home is recently listed at below market value, you know their are multiple offers and you are asking below list price with a seller's concession? Why would you think this would work? I haven't seen it work yet. If a reader has seen this scenario work would you please leave a comment? Thanks.
Banks/Investors reserve the right of approval of all offers AND you are not in contract until the fat lady sends back the contract and bank addendum SIGNED BY THE POWERS THAT BE at the bank.

THE LISTING AGENT WILL CONTINUE TO SUBMIT OFFERS AND THE BANK WILL LOOK AT THEM UNTIL THERE IS A FULLY EXECUTED CONTRACT. I know this is frustrating, but there it is. Ask your agent to quickly convey all counter offers and quickly sign and respond to them. This should keep the process from dragging out.

A few other suggestions:

Use a full time agent- I can not stress this enough. Don't you want someone who is working at this full time? You need someone working on your behalf that is accessible and can quickly respond to your needs. Many an offer is lost because the agent was unavailable.
It isn't personal - The bank isn't picking on you if they countered and you accept, but in the mean time a better offer is submitted and they choose to go with that one. Remember, it isn't over until the fat lady sends back the fully executed contract. Your agent needs to understand that so they will stay on top of things.
The bank isn't necessarily the bad guy - Out of my last 7 REO listings, 5 have been investors who continued to take their tenants rent knowing they were going to lose their property (many investors own more than one home), but didn't bother to say anything to the poor tenant. Guess who is left to deal with that. Yep, me. All that to say that the bank, in many instances is already losing quite a bit of money in dealing with tenants, personal property left in the home and disgruntled owners who "stick it to the man" by trashing the home on their way out the door.

So there you have it. If you are coming to the sand box, you better be ready to play. Have your proof of funds letter or pre-approval letter in hand, expect to pay for some inspections and pay above list price if you are asking for a seller's concession. If the home is extremely desirable, be ready for multiple offers. Best of luck to you in your purchase.

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Bus: 707-464-5400, Cell: 707-218-8162
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My Blog: Fran's Blog
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Privacy, Great Location, 3/2 home on 1 acre w/3 car garage

Tue, 09 Feb 2010 00:22:46 -0600

VIRTUAL TOUR

Fran Gatti | RE/MAX Coastal Redwoods | frangatti@remax.net | 707-218-8162

120 Grace Lane, Crescent City, CA

Privacy on 1 acre. 2,275 square feet with lots of amenities and an
excellent location.

3BR/2BA Single Family House

offered at $299,000

Year Built	1993
Sq Footage	2,275
Bedrooms	3
Bathrooms	2 full, 0 partial
Floors	1
Parking	Unspecified
Lot Size	43,560 sqft
HOA/Maint	$0 per month

DESCRIPTION

Private setting in desirable location on Grace Lane. 2,275 square foot home has large living room with fireplace and family room with wood stove thatcomfortably heats the entire home. Family room opens onto patio, dining area in oversized kitchen that has ample room to add an island if desired. Skylights let in the natural light and there are views of the landscaped 1 acre parcel from every window. Home is set-back from road with tree-screen for totalprivacy with a large circular driveway.

see additional photos below

PROPERTY FEATURES

- Fireplace	- High/Vaulted ceiling	- Walk-in closet
- Family room	- Living room	- Dining room
- Dishwasher	- Stove/Oven	- Attic
- Laundry area - inside	- Balcony, Deck, or Patio	- Yard

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5	Photo 6

Contact info:

Fran Gatti

RE/MAX Coastal Redwoods

frangatti@remax.net

707-218-8162

For sale by agent/broker

Equal Opportunity Housing

Posted: Feb 8, 2010, 8:59pm PST

Brought to you by Fran Gatti at
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Bus: 707-464-5400, Cell: 707-218-8162
Email: frangatti@remax.net
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If it sounds too good to be true........

Mon, 08 Feb 2010 23:01:23 -0600

Via Bryant Tutas-Tutas Towne Realty, Inc:

Hi folks. Did you know, when I wake up in the morning the first thing that comes into my head is, "What can I Blog about today?" Then the phone rings and my question is answered.....

"Good morning, Tutas Towne Realty, this is the incredibly good looking and intelligent Broker Bryant speaking, how may I help your dreams come true today?"

"Hi Broker Bryant, this is your Seller over at 4321 Desperation Ave. I'm calling to let you know I have found a Buyer for my house. My neighbor, who has lots of money, wants to buy my house. I know he has lots of money and can pay cash for it, if he wants. I told him I would only take full price ($259,000) for it but at that price I would leave the appliances. He said something about putting 5% down and me giving him back a check for $15,000 at closing and he wants me to pay all his closing costs. Did I mention he has lots of money?"

"OK, OK, Mr. Overwhelmed, the first thing we need to do is have him call me. I need to talk to him about his qualifications and make sure he is in a position to even purchase your home. Then we can get his offer in writing so we can sit down together and go over your options. By the way, you can't just give him money back a closing, that could be mortgage fraud and we can't do that. But we will worry about that after I get a written offer from him. OK?"

"OK, but I know he has lots of money. I told him I was in foreclosure and he said he could help me out. He really likes the house, since it is the best house in Poinciana, and he has lots of money."

Anyway, I received a call about an hour later from a REALTOR®, all excited, wanting to submit an offer on this listing. She asked me the price and I told her it was $259,000. "Broker Bryant my Buyer would like to offer $225,000 and wants the Seller to pay $14,000 in closing costs. He will be getting 100% financing. Do you think we have a deal? He said he has already talked about this with the Seller."

Now folks, does this offer sound anything like what the Seller had mentioned to me earlier? Of course not. They never do. Desperate Sellers hear what they want to hear and say things they shouldn't say and Buyers will and do try to take advantage of the situation. Why would you tell a potential Buyer you are in foreclosure?

This is one of the most important reasons to hire a REALTOR®. We are not emotionally involved in the deal. We are a calming force and we are trained to weed out unqualified and unrealistic Buyers. Without a REALTOR® looking out for him, who knows what kind of a deal this Seller would agree to? You can be sure it would have cost him a lot more money than what he is paying me. This assumes he wouldn't have wasted months and months of market time, while the neighbor, with lots of money, tries to sort out 100% financing on a second home.

Hiring a professional REALTOR® who has experience and market knowledge in your area, is the best investment you can make. So before hiring a REALTOR® to sell your house ask these questions.

How many properties do you personally have listed on the market in my area, today?

How many closed transactions did you have in my area last year?

How many pending transactions do you have in my area, today?

There are many more questions you need to ask before hiring a REALTOR® but, in my opinion, you need to have the right answers to these three, first. And make them show you their sales record from the MLS.

By the way, I never did hear back from the Buyer or his REALTOR®. I guess I need to call Mr. Overwhelmed back and let him know the neighbor has no money. Better yet, I will send him a link to this post.

I wonder who will call me tomorrow morning?

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

Copyright © 2010 http://www.brokerbryant.com/ | All Rights Reserved

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Bus: 707-464-5400, Cell: 707-218-8162
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