Sacramento Real Estate Resource Guide - Sacramento County, El Dorado County and Placer County Realtors2013-05-19T03:29:19ZSacMetroRealEstate - SOURCiSCopyright 2013, SacMetroRealEstate - SOURCiSSPHPBLOGTop Ten Tips On Moving Day Moving is a fun and exciting adventure that definitely creates chaos at some point or another. Here are some tips to ensure that you have a successful and somewhat headache free move.
1. CREATE A MOVING CHECKLIST Whether you realize it or not there can be numerous things that one would overlook while trying to make sure everything for the move gets executed. If you have a checklist available this will reduce the stress of trying to remember “What else did I have to do?” It can also help you to remember other things you might have forgotten about once you are brainstorming your checklist.
2. DE-CLUTTER! Who says it needs to be spring for you to do a whole house clean? De-cluttering can be a major ally in your attempt to move because it will make your move cheaper and it is more time efficient. Jeff Kaut and Associates are offering a one time movers special when you buy and/or sell with us: CLEAR THE CLUTTER PROGRAM!
3. HAVE A GARAGE SALE Not only will holding a garage sale help you get rid of any additional items, clothing, etc., but it will also give you a little extra cash in your pocket for the big move. If you are unsuccessful with the garage sale, there are numerous non profit agencies that will gladly accept your unwanted stuff. Goodwill and United Cerebral Palsy group are always eager to get items in order to help others. Goodwill has many drop off locations and UCP has pick ups, but make sure you are in the designated areas first. Goodwill.com and UCPSacto.org can be helpful links.
4. LABEL, LABEL, LABEL How many times have you heard yourself saying, “Now where did I put that?” With diligent labeling this will not be a problem for you. Make sure to keep all related items in a box with visible writing allowing you to know what every box consists of. Also if you are loading the moving truck, put in the most valuable and breakable items last. Therefore when you arrive at your new home these items will be the first to be unloaded and placed carefully into their new respected spots.
5. COLLECT HIDDEN ITEMS These items can include a hidden key that you put in the backyard under that rock a year ago, or a wheelbarrow from the side yard. Hidden items do not always have to be on your property either. Spare keys are the notorious item to forget. They can be at a neighbors or a friend’s house, so be sure to collect them before the move.
6. ADDRESS CHANGE We suggest you make your address change approximately 3-5 days before the actual move. This way any expecting mail can be insured that it will be delivered to the new address. Keep in mind the new tenants may be doing the same so you most likely would not want to be mixing your mail. This key point also goes for informing your job, child’s school, doctors and pharmacy of your new address.
7. TURN ON ESSENTIAL UTILITES So it’s the day of the move and you are completely out of your old house and cannot wait to start unpacking. Not so fast, if you do not have lights, heat or air conditioning. It usually takes the utility companies a few days before they can get your essential utilities up and running.
8. LEAVE GARAGE DOOR OPENER Many times old tenants forget that they have their previous garage door openers in their cars. Double check all vehicles to make sure that you have left the garage door opener for the new tenant. This will save you another unnecessary trip.
9. ADEQUATE CHILD AND PET CARE There is nothing more frustrating than not having adequate child and/or pet care for the day of your move. New locations can be just as stressful to pets, so often times they will try to run away or bark incessantly; which would not be a very nice hello to the new next door neighbors. Since the move usually consists of a couple trips back and forth, it is difficult to keep an eye on the other members of the family. So make sure that you prepare for this ahead of time.
10. CLEAN OUT THE FRIDGE Often times when we move we are so focused on getting our household items packed up and out of the house, that we completely forget about the contents of the refrigerator. The new tenants will be extremely pleased to see that they do not have to clean out your fridge full of your old food and condiments that date back to 2001. If there is an ice maker, be sure to put it in the off position so it doesn’t overload with ice by the time the new tenant opens it. Also you can set the fridge and freezer to a cooler setting. This will help conserve energy that is so valuable to everyone.
Hopefully these tips and hints are helpful to you and your move. To hear more about our Clear the Clutter program visit Sacramento, CA Real Estate.
]]>http://www.sacmetrorealestate.com/blog/index.php?entry=entry110409-0344542011-04-09T00:00:00Z2011-04-09T00:00:00ZFind Your Dream Home in El Dorado Hills, CALooking for a great deal on El Dorado Hills area properties? Dream homes at dream prices are easy to find at El Dorado Hills Real Estate. Free List of Homes in El Dorado Hills CA, bank-owned and short sales listings, tips, Blog, reviews and more … Find the home of your dreams, at a price you can afford, with El Dorado Hills Real Estate Guide.
You can El Dorado Hills real estate MLS listings on a map. Search listings by bed, bath, price range, ZIP code, city, a specific MLS number or even street names in El Dorado Hills CA. Share favorite home(s) on the social networking sites like FaceBook, Twitter, etc. Site visitors can find helpful resources for buyers and sellers, relocation information, current mortgage rates and mortgage calculators. See El Dorado Hills home values and real estate market.
LABELS: El Dorado Hills Foreclosures, El Dorado Hills Homes, el dorado hills real estate, Home Loan, real estate el dorado hills CA ]]>http://www.sacmetrorealestate.com/blog/index.php?entry=entry110409-0313302011-04-09T00:00:00Z2011-04-09T00:00:00ZRequest Your Free Annual Credit ReportFight identity theft by monitoring and reviewing your credit report. You may request your free credit report online (AnnualCreditReport.com), request your report by phone or request your report through the mail.
AnnualCreditReport.com is the official site to help consumers to obtain their free credit report. The AnnualCreditReport.com site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. It's quick, easy and secure. Free credit reports requested online are viewable immediately upon authentication of identity.
]]>http://www.sacmetrorealestate.com/blog/index.php?entry=entry100110-2306222010-01-11T00:00:00Z2010-01-11T00:00:00ZHow to Choose a Real Estate Agent ]]>http://www.sacmetrorealestate.com/blog/index.php?entry=entry091118-0557542009-11-18T00:00:00Z2009-11-18T00:00:00ZBiggest Bank Failures So Far: Top 10The current financial crisis has resulted in the demise of scores of banks across the country. The number of banks that have failed so far this year topped 100 -- the most in nearly two decades. The tally -- so far -- is nowhere near the Savings & Loan debacle that stretched from the early 1980s into the mid-1990s. FDIC records show that 2,900 institutions failed during that time. Bank failures have cost the FDIC's fund that insures deposits an estimated $25 billion this year and are expected to cost $100 billion through 2013.
Here are the 10 biggest bank failures, by assets, of the current crisis:
1) Washington Mutual - Seattle - $307,000,000,000 2) IndyMac Bank - Pasadena, Calif. - $32,000,000,000 3) Colonial Bank - Montgomery, Ala. - $25,000,000,000 4) Guaranty Bank - Austin, Texas - $13,000,000,000 5) BankUnited, FSB - Coral Gables, Fla. - $12,800,000,000 6) Downey S&L, F.A. - Newport Beach, Calif. - $12,800,000,000 7) Corus Bank, National Association - Chicago - $7,000,000,000 8) Franklin Bank - Houston - $5,100,000,000 9) Silverton Bank, NA - Atlanta - $4,100,000,000 10) PFF Bank & Trust - Pomona, Calif. - $3,700,000,000
To learn more about the FDIC's safety net, read BankRate Special section. ]]>http://www.sacmetrorealestate.com/blog/index.php?entry=entry091028-1029562009-10-28T00:00:00Z2009-10-28T00:00:00ZSacramento Foreclosure Real Estate Listings and Resourcessacramento bank owned homes listing. The website covers Sacramento county, El Dorado County and Placer county with hourly updated listings of foreclosure homes, pre-foreclosures and bankruptcies.
Buyers and REO (Real Estate Owned) property investors can find the best foreclosure deals available in the real estate market. They can search for properties in Sacramento in: Auburn Foreclosures, Elk Grove Foreclosures, Folsom Foreclosures, Sacramento Foreclosures, Pollock Pines Foreclosures, Lincoln Foreclosures, Rancho Cordova Foreclosures, El Dorado Hills Foreclosures, Citrus Heights Foreclosures, Rocklin Foreclosures, Roseville Foreclosures, Cameron Park Foreclosures, North Highlands Foreclosures...
IDX Solutions has been provided by Sacramento Website Design SOURCiS ]]>http://www.sacmetrorealestate.com/blog/index.php?entry=entry091004-0135142009-10-04T00:00:00Z2009-10-04T00:00:00ZJeff Kaut and Associates Lauched Folsom REO Listing Using SOURCiS IDX SolutionsFolsom short sales and bank-owned properties. They can search and view from a large inventory of foreclosed bank-owned properties. REO listings contain detailed information about the property. Viewers can add their favorite listings to Social Networking sites such as Facebook, Twitter, Dwellicious...
Folsom REO Listing.com has usefull information about Short Sale and Foreclosures. I also has links to local resources such as schools, local attractions, etc.
The IDX solution provided by SOURCiS / SacMetroRealEstate.com includes: - Easy to Use Search Interface - Interactive Mapping - New Listing Notifications ]]>http://www.sacmetrorealestate.com/blog/index.php?entry=entry090822-0147512009-08-22T00:00:00Z2009-08-22T00:00:00ZSell Your House Using a Lease Option == Steps ==
- Decide if a lease option is a good option for you. A lease option isn't for everybody. If you need all the money from the sale of your home right away, you're better off with a straight sale.
- Place an ad in the paper or online.
- Do a background check on applicants. You don't want to do a lease option with somebody who you wouldn't rent to.
- Pre-qualify your lessee. It's a good idea to contact a loan officer or mortgage broker to at least discuss the potential buyer's prospects for obtaining a mortgage at the end of the lease term.
- Provide the potential buyer with a seller's disclosure form listing any known problems with the house.
- Negotiate a contract. You can get fill-in-the-blank lease option forms online, but you're better off getting them from a local real estate agent or attorney.
- Agree on the purchase price of the home, which should be fixed on the lease contract.
- Determine how much option money to collect. A typical figure is 2-4% of the purchase price. You will keep this money no matter what. If the lessee decides to buy, the money will be credited toward the down payment or the purchase price, and if the lessee doesn't buy, he or she forfeits the option money to you.
- Decide how much of the lessee's monthly payment will be credited toward the option.
- Decide on the term of the lease. Lease options typically run anywhere from 6-24 months.
- Get the right insurance coverage. Since you will no longer be the owner-occupant of the house, you may need to update your homeowners insurance policy to a dwelling policy.
- Collect monthly payments. Keep track of the payments received so you'll have a record when the time comes for the lessee to exercise the option (or, in the the worst-case scenario, when you have to go to court to settle a dispute).
- Sell the house. At the end of the term the lessee can exercise the option to buy the house for the price specified on or before the date specified. The total option money paid (including the initial option money plus any credit from the monthly payments) will go toward the down payment. Thus, the buyer already has equity in the home and should find it easier to get a loan. ]]>http://www.sacmetrorealestate.com/blog/index.php?entry=entry090812-0924162009-08-12T00:00:00Z2009-08-12T00:00:00ZReal Estate Website Design and IDX SolutionsSOURCiS / SacMetroRealEstate.com is offering IDX (Internet Data Exchange) solutions to Brokers and agents in Sacramento Area (MetroList ®) and San Jose Area (MLSListings.com).
IDX, also known as Broker Reciprocity, is a system where brokers give permission to display their listings on each other's web sites. SOURCiS provides a set of web pages on a web site that provides access to these listings.
The IDX solutions includes: - Easy to Use Search Interface - Interactive Mapping - New Listing Notifications
The Real Estate Website Design includes: - Your Own Blog - Optimized for Search Engines - Includes IDX / MLS Search
MetroList ® MLS covers Central Valley, El Dorado County, Lodi, Merced County, Placer County, Sacramento, and Yolo County.
MLSListings.com MLS covers Alameda County, Monterey County, San Benito County, San Francisco County, San Mateo County, Santa Clara County, and Santa Cruz County.]]>http://www.sacmetrorealestate.com/blog/index.php?entry=entry090515-1008382009-05-15T00:00:00Z2009-05-15T00:00:00ZCredit crunch? Mortgages still available - Credit crunch not squeezing all homebuyers Qualified borrowers can find conforming and FHA-insured mortgages easily. Jumbo mortgages are more scarce, but available. Rates went up in the last week, which is another way of saying that credit is tighter. But the mortgage marketplace isn't frozen, at least in part because of federal intervention.
"There's almost no difference in the availability of money compared to a year ago, with the exception of jumbos," says Jim Sahnger, mortgage consultant with Palm Beach Financial Network in Stuart, Fla. "The main difference is that you have to provide documentation, such as W-2s, tax returns and bank statements. Welcome to the full-doc world."
Credit standards have been getting tighter all year, reducing the number of people who qualify for loans. It's hard to quantify how many people have been disqualified merely because of more strict lending standards.
As Sahnger mentioned, one prominent change has to do with documentation of income. A year or two ago, a borrower with an excellent credit history and no change in employment might have been able to refinance a mortgage without having to provide proof of income -- even on a full-documentation loan. Those days are gone, mortgage lenders say. Bring in W-2 forms or income tax statements, or get turned down for a loan.
By Holden Lewis - Bankrate.com]]>http://www.sacmetrorealestate.com/blog/index.php?entry=entry080925-0855152008-09-25T00:00:00Z2008-09-25T00:00:00Z
Moving is a fun and exciting adventure that definitely creates chaos at some point or another. Here are some tips to ensure that you have a successful and somewhat headache free move.