Saturday, May 29, 2010

Things to do in June in San Diego county

swim2

June 2
SunBurnt Splash & Dash Duathlon
This event is a duathlon swim and run for athletes of all ages.
  Taking place  at Mission Beach, participants can choose to swim  
  (800-meters) or run (5K), or do a combination of both.  
                                      A dinner will be served for those who participate.

Time: 3:00 pm - 9:00 pm

Location: Santa Clara Community Park, Sail Bay, Crown Point - Mission Beach
For more information visit www.sunburntathletics.com

Oceanside AmpJune 4
Movies in the Park - Oceanside
The City of Oceanside Parks and Recreation Division presents Movies in
the Park with a free viewing of Willy Wonka and the Chocolate Factory.
Time: At Dark
Location: Pier Amphitheater, 220 North the Strand, Oceanside
For more information call 760-435-5551.

Temecula Fest  June 4-6
Annual Temecula Valley Balloon
  and Wine Festival
  Food court, wine tasting in the wine gardens, musical entertainment,
  kids' fair, arts & crafts and commercial booths.
Time: Refer to website for schedule
Location: Lake Skinner, 37701 Warren Rd., Temecula Valley
For more information please call 951-676-6713 or visit

www.tvbwf.com

dogs

June 5
Annual Novelty Fun Dog Show
Alpine Stagecoach Lions Club's Annual Novelty Dog Show - all proceeds
go toward sponsoring assistance dogs for disabled San Diego individuals.  16 fun classes for canines and their humans.  Anyone can enter their dog.

Time: 9:00 am - 3:00 pm
Location: Viejas Outlet Center, 5005 Willows Rd., Alpine
For more information visit

www.alpinelions.org

Cars Turf

June 5
Greatest Show on Turf
  Car buffs will love this showcase of classic, antique, and specialty 
  automobiles.  There will be about 300 vehicles on display which may
  include speedsters, roadsters, sports cars, hot rods, lowriders, woodies, convertibles, foreign cars and more.  Free event.
Time: 8:00 am - 2:00 pm
Location: Balboa Park, Corner of Park Blvd. & President's Way
For more information visit
www.sdautomuseum.org

Art on Admas

June 5   
Annual Art Around Adams  
This art and music fest will raise funds and bring awareness for the
Adams Recreation Center that provides services for the community. 
Relax, shop, and be entertained by live music, outrageous street
performers, and an array of unique art.  Free, family event.
Time: 3:00 pm - 9:00 pm
Location: Normal Heights & Kensington
For more information  visit www.artaroundadams.org

music.jpg June 5
Classic Rock n' Blues Festival
The 2nd Classic Rock n' Blues Festival presented by the
  City of San Marcos..
Time: 2:00 pm - 8:00 pm
Location: Walnut Creek Park, 1950 Sycamore Dr., San Marcos
For more information call 760-744-9000

S HintonJune 5
Sam Hinton Folk Festival
A free event where you can listen to musical performances in the gazebo, enjoy storytelling, participate in music workshops, join the family country dance, showcase your talent on the open mike stage, and for a nominal
fee you can ride the steam locomotive train.  While you're there, visit the Nelson House and Museum.
Time: 10:30 am - 5:00 pm
Location: Old Poway Park, 14134 Midland Rd. Poway
For more information visit
www.sdfolkheritage.org

Solana Beach

June 5-6
Annual Fiesta del Sol - Solana Beach
Celebrate the start of summer at this free two-day party featuring
  live music, an international food court, beer & wine garden,
  children's activities, arts & crafts, informational, retail and business
  booths each day.

Time: 9:00 am - 5:00 pm

Location: Fletcher Cover, Solana Beach
For more information visit www.solanabeachchamber.com

rock n' rollJune 6
Rock n' Roll Marathon and Half Marathons
Athletes from the world over will participate in one of the nation's
premier marathons.  Local bands on 26 stages and cheerleading groups
will entertain the athletes as they travel along a scenic course through
the city of San Diego.
Time: 6:30 am - 12:00 pm
Location: Hillcrest, 6th Ave. & University
For more information visit www.runrocknroll.com

RB Alive June 6
  Annual Rancho Bernardo Alive! Expo
Free event that includes live music and performers, a business
  showcase, car show, food courts, merchandise, free health screenings,
  cultural exhibits, arts & crafts, games & rides, and a Kids Zone.
Time: 10:00 am - 4:00 pm
Location: Bernardo Center Dr, Rancho Bernardo
For more information call 858-487-1767 x 109 or visit

www.sdncc.com

DelMar FairJune 11-July 5
San Diego County Fair
Flower and garden shows, exhibits, art, gems & minerals, carnival rides, food booths, midway, and concerts.  This year's theme will be
"Taste the Fun".
Time: Refer to website for schedule
Location: Del Mar Fairgrounds, 2260 Jimmy Durante Blvd., Del Mar
For more information visit www.sdfair.com

music_blugrs.jpg

June 12
  Summer Music Culture Festival
  Fun for the whole family!  The Rancho San Diego -
  Jamul Chamber of Commerce presents this festival in
  The Garden at the Water Conservation Garden at Cuyamaca College.  
  There will be performers, vendors and exhibitors.
Time: 11:00 am - 6:00 pm
Location: Water Conservation Garden - Cuyamaca College
For more information please call 619-670-8244.

Filipino Dancers3June 12
Filipino Cultural Celebration
9th Annual Filipino Cultural Celebration is sponsored by the
Oceanside Public Library and the Filipino American Cultural Association
of North San Diego County.
Time: 10:00 am - 4:00 pm
Location: Civic Center Plaza, Oceanside
For more information call 760-435-5600 or visit

www.ci.oceanside.ca.us

pottery2

June 12-13
  Potters Guild Show & Sale
  Thousands of pieces of hand-made ceramics by many of San Diego's
  finest potters.  These works range from functional ware such as plates,
  bowls and coffee cups to more decorative and sculptural forms such as
  ceramic shoes, garden lanterns, and conch shells.
Time: 8:00 am - 5:30 pm
Location: Spanish Village Art Center, Balboa Park
For more information visit www.spanishvillageart.com

Del Mar Smr SolJune 17
Summer Solstice Celebration - Del Mar
Celebrate the arrival of summer with an offering of delectable culinary creations from Del Mar's highly regarded restaurants, selections from some of California's best wineries and breweries and a lively silent/live auction. 
As if that isn't enough, enjoy amazing front-row sunset views and balmy ocean breezes accompanied by the enchanting sounds of steel drums.

Time: 5:00 pm - 8:00 pm
Location:
Powerhouse Park, Del Mar
For more information visit
www.delmarmainstreet.com

Old House Fair logo

June 19
  Annual Old House Fair
  A festival for anyone who is thinking about restoring an older home. 
  Here you will meet local craftspeople and community businesses that
  specialize in restoring, repairing, and preserving the unique qualities
  of older homes.  You will find historic home tours, consultations, food,music and more. 

Free to attend.

Time: 10:00 am - 4:00 pm
Location: 30th Street and Beech Street
For more information call 619-233-6679 or visit www.theoldhousefair.com

OB Fair LogoJune 26
Annual Ocean Beach Street Fair & Chili Cook-Off
A beach festival with an amateur chili cook-off contest.  Highlights include live entertainment, and Artist Alley, Community Mural, antique shops,
vendor booths, beachside beer garden, pony rides, and more.  Free event.
Time: 10:00 am - 8:00 pm
Location: Newport Ave between Sunset Cliffs Blvd. and Abbott St., Ocean Beach
For more information visit

www.oceanbeachsandiego.com

Green Jazz

June 26
  Green Jazz Fest
  This environmental music festival will fuse live music, recycled art
  and a recycling drive with sustainable information and vendors, in
  an outdoor setting.  A portion of the proceeds will benefit San Diego
Youth Services, stabilizing the lives of homeless, runaway, abused and at-risk youth in the

San Diego area.

Time: 11:00 am - 7:30 pm
Location: Embarcadero Park North
For more information visit www.greenjazzfest.com

LJ Festival ArtsJune 26-27
Annual La Jolla Festival of the Arts
This festival is among the top rated art shows in California, featuring
talented artists from the USA and Mexico.  Art, music, street chalk art,
fun stuff and food.
Time: 9:00 am - 5:00 pm
Location: La Jolla / UCSD district, Genessee Ave and Regents Rd.
For more information visit

www.lajollaartfestival.org

Call me with any of you Real Estate needs.

Click on any of the images below to learn more:

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Barbara Whisenant

Your Friend in the Business

Follow me on Twitter: www.twitter.com/barbarawhis

Be my Friend on Facebook: Barbara Whisenant http://www.facebook.com/barbarawhis

Be my Fan on Facebook: http://www.facebook.com/homes4salesd

Linkedin: http://www.linkedin.com/in/barbarawhisenant

Read my Blog: http://www.barbarawhis.com

Visit my Real Estate website: http://www.Homes4SaleSanDiego.com

Visit my Nu-Skin website: http://barbaraw.nsedreams.com

P.S. It's my intention to build lifelong relationships one client at a time. If you know of a friend, co-worker or family member who has a real estate need, please contact me. Your personal referrals are the greatest compliment I can receive!

A Division of Richard Realty Groups, Inc 5411 Avenida Encinas, Suite 110, Carlsbad, CA. 92008 Cell:                    (760) 583-2107    eFax:               (760) 496-1649            DRE# 01357594

Thursday, May 27, 2010

May Real Estate Market information

California’s median home price up 21 percent in April from a year ago
California’s median home price—the point at which half of homes sold for more and half for less—rose 21 percent in April compared with a year earlier, but sales of existing, single-family homes declined 8.1 percent, according to the CALIFORNIA ASSOCIATION OF REALTORS®’ (C.A.R.) April sales and price report

MAKING SENSE OF THE STORY FOR CONSUMERS

  • The median price of an existing, single-family detached home in California during April 2010 was $306,230, a 21 percent increase from the revised $253,110 median for April 2009, C.A.R. reported. The April 2010 median price increased 1.5 percent compared with March’s $301,790 median price.

  • Annualized home sales dipped below the 500,000-unit level for the first time in 19 months, which C.A.R. President Steve Goddard partially attributes to home buyers delaying the close of escrow to take advantage of both the federal and state home buyer tax credits.  “We should see the pace of closed sales edge up in May and June as these tax-incentivized transactions close,” he said.

  • The number of homes available for sale also impacted total sales in April.  “The demand for attractive foreclosed properties well exceeds the number of properties on the market,” Goddard said.  “At the same time, mortgage interest rates continue to hover near their historic lows, and many buyers are out in force to take advantage of the combination of low interest rates and affordably priced homes. It’s an ideal time for many families to purchase their first home even though they may face stiff competition.”

To read the full story, please click here.

  CNN Money

Foreclosures plateau—finally.  Repossessions soar.
The foreclosure plague may have finally reached its peak in April 2010—but don’t expect delinquency statistics to plummet anytime soon.

To read the full story, please click here.

  CNN Money

Consumer confidence on the rise
A key measure of consumer confidence climbed for a third straight month in May, a research group said Tuesday, with the outlook for the next few months spiking to pre-recession levels.

To read the full story, please click here.

  The New York Times

For mortgage shoppers, less can be more
The Internet can help simplify many financial transactions, though not always when it comes to home mortgages.  Those who sign up for information at mortgage Web sites have found themselves receiving a flood of calls and e-mail messages from brokers and lenders soliciting business.

To read the full story, please click here.

  CNN Money

Nearly 75 percent of homes are affordable
It’s prime time for house hunters. Nearly anyone with a decent job and a good credit score can afford to buy in their home towns.

To read the full story, please click here.

  Los Angeles Times

What kind of homeowners choose to default?
People who walk away from their mortgages are not as calculating as you’d think, according to a University of Arizona law professor whose academic paper on strategic default last year drew sharp criticism from lenders and Wall Street.

To read the full story, please click here.

  CNN Money

Freddie and Fannie won’t pay down your mortgage
Pressure is mounting on loan servicers and investors to reduce troubled homeowners’ loan balances ? but the two largest owners of mortgages aren’t getting the message.

To read the full story, please click here.

Talking Points

  • When purchasing a home, buyers are strongly advised to request a home inspection prior to closing.  However, consumers should note that the primary job of a home inspector is to conduct a visual examination of the physical condition of the house and certain systems within it.  Since the examination is visual, home inspectors are not required to remove carpets to ensure the floors aren’t warped, for example, and may not walk on the roof to check for defects.  Home buyers should interview home inspectors ahead of time to find out what they will and will not cover as part of the inspection.

  • While a new home may seem to be free of any defects, many real estate professionals still advise home buyers to hire a home inspector.  According to one home inspector, nearly 15 percent of new homes have serious structural problems.  Additionally, newly constructed homes can be more difficult to inspect than existing homes.  A new home doesn’t have any history.  For example, because the plumbing has not consistently been used in a new home, small drip leaks may not be easily detectable.  A home inspection can alert buyers to defects, if any are present.

Source: SmartMoney Magazine
http://www.smartmoney.com/spending/rip-offs/10-things-home-inspectors-wont-tell-you/

 

Contact me for any of your Real Estate needs.

 

Click on any of the images below to learn more:

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Barbara Whisenant

Your Friend in the Business

Follow me on Twitter: www.twitter.com/barbarawhis

Be my Friend on Facebook: Barbara Whisenant http://www.facebook.com/barbarawhis

Be my Fan on Facebook: http://www.facebook.com/homes4salesd

Linkedin: http://www.linkedin.com/in/barbarawhisenant

Read my Blog: http://www.barbarawhis.com

Visit my Real Estate website: http://www.Homes4SaleSanDiego.com

Visit my Nu-Skin website: http://barbaraw.nsedreams.com

P.S. It's my intention to build lifelong relationships one client at a time. If you know of a friend, co-worker or family member who has a real estate need, please contact me. Your personal referrals are the greatest compliment I can receive!

A Division of Richard Realty Groups, Inc 5411 Avenida Encinas, Suite 110, Carlsbad, CA. 92008 Cell: (760) 583-2107    eFax: (760) 496-1649   DRE# 01357594

Friday, May 7, 2010

Join us for the next Carlsbad Team Woman Networking Group

ladies tea

Are you a professional woman is the North San Diego Area who needs to grow your business?

We would love for you to join us! Our chapter meets every other Monday morning at 9am for networking, referral sharing, a few laughs, and lot's of wonderful support.

We have a great group of smart, hard working, engaging ladies and we would love for you to come check out our group and join in the fun.

We invite you to join Team Women, Inc. and gain access to the following members-only benefits:

• Sharing resources and leads/referrals with women in your community by joining or starting a local chapter

• Chamber of Commerce Carlsbad membership

.• Gain knowledge to foster your business success via our monthly educational calls where we share fresh thinking for women business owners – FREE to members, while others pay to attend

• Tap into the minds of other amazing women, getting advice and support, by participating in our online discussion forums

We meet at Richard Realty Groups, 5411 Avenida Encinitas Suite 110, every other Monday. Networking starts at 8:45am. Meeting called to order 9:00am thru 10:00am.

Next meeting will be Monday May 17th.

A few examples of core professions needed:

Accountant, Accounting Software, Acupuncture, Advertising - Print, Advertising Specialties (Promotional Products), Air conditioning/Heating, Appraiser, Architect, Artist, Assisted Living Home Manager, Attorney – Business, Attorney - Copyright/Trademark, Attorney - Family Law, Attorney - International, Attorney - Real Estate, Attorney - Tax, Attorney - Transactional,Attorney – Trust & Probate, Audits - Reviews & Financial Consulting, Auto Detailer, Auto Rentals, Auto Sales, Automotive Fleet Buying, Auto Repair, Bakery, Bankcard/Merchant Services, Banker, Barber, Bartender, Beauty Supplies, Bookkeeper, Building Contractor, Business Equipment, ect.

AgentCert_platinum_reo_ss_medium Realtor emblem GRIlogo SRES_black_thumb SFR_logo_bw

Barbara Whisenant

Your Friend in the Business

Follow me on Twitter: www.twitter.com/barbarawhis

Be my Friend on Facebook: Barbara Whisenant http://www.facebook.com/barbarawhis

Be my Fan on Facebook: http://www.facebook.com/homes4salesd

Linkedin: http://www.linkedin.com/in/barbarawhisenant

Read my Blog: http://www.barbarawhis.com

Visit my Real Estate website: http://www.Homes4SaleSanDiego.com

Visit my Nu-Skin website: http://barbaraw.nsedreams.com

P.S. It's my intention to build lifelong relationships one client at a time. If you know of a friend, co-worker or family member who has a real estate need, please contact me. Your personal referrals are the greatest compliment I can receive!

Barbara Whisenant Realty Group, A Division of Richard Realty Groups, Inc 5411 Avenida Encinas, Suite 110, Carlsbad, CA. 92008 Cell: (760) 583-2107    eFax: (760) 496-1649   DRE# 01357594

Sunday, April 25, 2010

New Government Subsidized Home Alternative Program. Is it For You?

 

Well we’ve received yet anther government program to help people with distressed homes that comes with detailed instruction about how the lenders are suppose to attend to these types of homeowners.

If this program sounds like it would benefit you or someone you know, please have them give me a call. We can work through the terrible stressful time together.

Working the the North San Diego area has given me the rare opportunity to see for myself the destruction that many of our communities has endured. Oceanside has been of the the hardest hit communities in North County.  The more expensive communities thought they would escape the tragedy, but that was not to me. We are seeing foreclosures in all the communities from Del Mar and La Jolla to Rancho Santa Fe, Encinitas & Carlsbad.

If you need help to just talk it through, a sounding board to get it off your chest, or someone skilled in handling these types of transaction, please give me a call 760.583.2107 or e-mail me barbarawhis@cox.net.

What is HAFA?
HAFA is a government-subsidized Home Affordable Foreclosure Alternatives program for distressed homeowners to sell their homes to avoid foreclosure, even if the sales price is not enough to pay off their existing mortgage loans. Under HAFA, a participating lender will pre-approve the terms of a short sale and give the borrower at least 4 months to market and sell the property using a licensed real estate professional.

Eligibility
The eligibility requirements for a HAFA short sale include the following:
• Property must be borrower’s principal residence;
• Loan must be a first trust deed originated before 2009;
• Loan must be delinquent or default must be reasonably foreseeable;
• Current unpaid principal balance must be $729,750 or less for single-family home (or higher amounts for 2-to-4 units); and
• Borrower must be eligible for, but unable to complete, a loan modification under the Home Affordable Modification Program (HAMP).

 

Home Affordable Foreclosure Alternative Programs, Guidelines

Financial Incentives

    • The government incentives under HAFA are as follows
    • $3,000 to borrower for relocation expenses;
    • $1,500 to servicer for each successful short sale; and

• $1 to investor for every $2 paid to extinguish junior liens, up to $2,000 maximum, not to exceed 6% of unpaid balance.

Effective Dates
April 5, 2010 to Dec. 31, 2012.

HAFA Procedures
The general standardized procedures for HAFA short sales are as follows:
Step 1: Lender evaluates borrower for a loan modification under HAMP.
Step 2: Lender evaluates borrower unable to complete HAMP modification for short sale.
Step 3: Lender issues Short Sale Agreement (HAFA SSA).
Step 4: Borrower lists the property for sale using a licensed real estate agent.
Step 5: Borrower and agent market and sell the property.
Step 6: Borrower submits to lender a Request for Approval of Short Sale (RASS).
Step 7: Lender approves RASS within 10 business days.
Step 8: Sale closes escrow.

Lender's Evaluation
Each participating lender will have its own written policy for approving or rejecting a HAFA short sale, based on factors such as the severity of the loss, market conditions, the borrower’s motivation and cooperation, property valuation, and title review.

Short Sale Agreement (HAFA SSA)
The Short Sale Agreement (HAFA SSA) will include, among other things, the following:
• Either a list price or net proceeds acceptable to the lender;
• An agreement to fully release borrower from all liability for repayment of the loan;
• An agreement not to complete a foreclosure sale if borrower complies with SSA;
• Amount of acceptable closing costs and up to 6% real estate commission.
• Notice that the sale must be an arm’s length transaction; and
• Notice that the buyer must agree not to resell the property within 90 days of closing.

Tax, Credit, and Other Consequences
A HAFA short sale may have serious tax, credit, financial, legal, and other consequences.  A homeowner is strongly encouraged to seek the advice of a qualified professional regarding these consequences.

Participating Lenders
A list of lenders participating in the HAMP program is available at http://makinghomeaffordable.gov/contact_servicer.html. Fannie Mae and Freddie Mac have their own HAFA guidelines for their loans.

More Information
http://makinghomeaffordable.gov/hafa.html.  
See also, Supplemental Directive 09-09 dated March 26, 2010 available at
https://www.hmpadmin.com/portal/docs/hafa/sd0909r.pdf.

This chart is just one of the many legal publications and services offered by C.A.R. to its members.  For a complete listing of C.A.R.'s legal products and services, please visit www.car.org.

AgentCert_platinum_reo_ss_medium Realtor emblem GRIlogo SRES_black_thumb SFR_logo_bw

Barbara Whisenant

Your Friend in the Business

Follow me on Twitter: www.twitter.com/barbarawhis

Be my Friend on Facebook: Barbara Whisenant http://www.facebook.com/barbarawhis

Be my Fan on Facebook: http://www.facebook.com/homes4salesd

Linkedin: http://www.linkedin.com/in/barbarawhisenant

Read my Blog: http://www.barbarawhis.com

Visit my Real Estate website: http://www.Homes4SaleSanDiego.com

Visit my Nu-Skin website: http://barbaraw.nsedreams.com

P.S. It's my intention to build lifelong relationships one client at a time. If you know of a friend, co-worker or family member who has a real estate need, please contact me. Your personal referrals are the greatest compliment I can receive!

Barbara Whisenant Realty Group, A Division of Richard Realty Groups, Inc 5411 Avenida Encinas, Suite 110, Carlsbad, CA. 92008 Cell: (760) 583-2107    eFax: (760) 496-1649   DRE# 01357594

New Government subsidized Home Affordable Foreclosure Alternative Call HAFA. Is it for you??

Well we’ve received yet anther government program to help people with distressed homes that comes with detailed instruction about how the lenders are suppose to attend to these types of homeowners.

If this program sounds like it would benefit you or someone you know, please have them give me a call. We can work through the terrible stressful time together.

What is HAFA?
HAFA is a government-subsidized Home Affordable Foreclosure Alternatives program for distressed homeowners to sell their homes to avoid foreclosure, even if the sales price is not enough to pay off their existing mortgage loans. Under HAFA, a participating lender will pre-approve the terms of a short sale and give the borrower at least 4 months to market and sell the property using a licensed real estate professional.

Eligibility
The eligibility requirements for a HAFA short sale include the following:
• Property must be borrower’s principal residence;
• Loan must be a first trust deed originated before 2009;
• Loan must be delinquent or default must be reasonably foreseeable;
• Current unpaid principal balance must be $729,750 or less for single-family home (or higher amounts for 2-to-4 units); and
• Borrower must be eligible for, but unable to complete, a loan modification under the Home Affordable Modification Program (HAMP).

Financial Incentives

The government incentives under HAFA are as follows:
• $3,000 to borrower for relocation expenses;
• $1,500 to servicer for each successful short sale; and

• $1 to investor for every $2 paid to extinguish junior liens, up to $2,000 maximum, not to exceed 6% of unpaid balance.

Effective Dates
April 5, 2010 to Dec. 31, 2012.

HAFA Procedures
The general standardized procedures for HAFA short sales are as follows:
Step 1: Lender evaluates borrower for a loan modification under HAMP.
Step 2: Lender evaluates borrower unable to complete HAMP modification for short sale.
Step 3: Lender issues Short Sale Agreement (HAFA SSA).
Step 4: Borrower lists the property for sale using a licensed real estate agent.
Step 5: Borrower and agent market and sell the property.
Step 6: Borrower submits to lender a Request for Approval of Short Sale (RASS).
Step 7: Lender approves RASS within 10 business days.
Step 8: Sale closes escrow.

Lender's Evaluation
Each participating lender will have its own written policy for approving or rejecting a HAFA short sale, based on factors such as the severity of the loss, market conditions, the borrower’s motivation and cooperation, property valuation, and title review.

Short Sale Agreement (HAFA SSA)
The Short Sale Agreement (HAFA SSA) will include, among other things, the following:
• Either a list price or net proceeds acceptable to the lender;
• An agreement to fully release borrower from all liability for repayment of the loan;
• An agreement not to complete a foreclosure sale if borrower complies with SSA;
• Amount of acceptable closing costs and up to 6% real estate commission.
• Notice that the sale must be an arm’s length transaction; and
• Notice that the buyer must agree not to resell the property within 90 days of closing.

Tax, Credit, and Other Consequences
A HAFA short sale may have serious tax, credit, financial, legal, and other consequences.  A homeowner is strongly encouraged to seek the advice of a qualified professional regarding these consequences.

Participating Lenders
A list of lenders participating in the HAMP program is available at http://makinghomeaffordable.gov/contact_servicer.html. Fannie Mae and Freddie Mac have their own HAFA guidelines for their loans.

More Information
http://makinghomeaffordable.gov/hafa.html.  
See also, Supplemental Directive 09-09 dated March 26, 2010 available at
https://www.hmpadmin.com/portal/docs/hafa/sd0909r.pdf.

This chart is just one of the many legal publications and services offered by C.A.R. to its members.  For a complete listing of C.A.R.'s legal products and services, please visit www.car.org.

AgentCert_platinum_reo_ss_medium Realtor emblem GRIlogo SRES_black_thumb SFR_logo_bw

Barbara Whisenant

Your Friend in the Business

Follow me on Twitter: www.twitter.com/barbarawhis

Be my Friend on Facebook: Barbara Whisenant http://www.facebook.com/barbarawhis

Be my Fan on Facebook: http://www.facebook.com/homes4salesd

Linkedin: http://www.linkedin.com/in/barbarawhisenant

Read my Blog: http://www.barbarawhis.com

Visit my Real Estate website: http://www.Homes4SaleSanDiego.com

Visit my Nu-Skin website: http://barbaraw.nsedreams.com

P.S. It's my intention to build lifelong relationships one client at a time. If you know of a friend, co-worker or family member who has a real estate need, please contact me. Your personal referrals are the greatest compliment I can receive!

Barbara Whisenant Realty Group, A Division of Richard Realty Groups, Inc 5411 Avenida Encinas, Suite 110, Carlsbad, CA. 92008 Cell: (760) 583-2107    eFax: (760) 496-1649   DRE# 01357594

Friday, April 16, 2010

Need Help With Anything Around Your House? Think Military


When I needed to move from one house to another, I went to a wonderful website where I was able to hire military men or women who were looking for a part-time job. It was a wonderful experience and I've highly recommended this website to many others.


I posted an ad that stated that I needed help moving furniture and boxes. I stated what I was willing to pay and when I needed the help. My phone started ringing off the hook. I interviewed several and I hired 4 wonderful young men. They all had already been to Iraq and back.


These young men loaded the truck, drove to the new house, and unloaded the truck, putting everything together and where I wanted it. All in under 4 hours. I never had such a smooth move!


I fed them pizza and soda. Yea I know, but I didn't know how old they were.


You can inquire about all types of trades and experiences. The website appears to be available in almost every state for both full time and part-time jobs.

Please, next time you need a job done around your house, think HirePatroits.com.
Go to http://www.hirepatriots.com/ You won't be sorry!

Barbara Whisenant

Your Friend in the Business

Follow me on Twitter: www.twitter.com/barbarawhis

Be my Friend on Facebook: Barbara Whisenant http://www.facebook.com/barbarawhis

Be my Fan on Facebook: http://www.facebook.com/homes4salesd

Linkedin: http://www.linkedin.com/in/barbarawhisenant

Read my Blog: http://www.barbarawhis.com

Visit my Real Estate website: http://www.Homes4SaleSanDiego.com

Visit my Nu-Skin website: http://barbaraw.nsedreams.com

P.S. It's my intention to build lifelong relationships one client at a time. If you know of a friend, co-worker or family member who has a real estate need, please contact me. Your personal referrals are the greatest compliment I can receive!

A Division of Richard Realty Groups, Inc 5411 Avenida Encinas, Suite 110, Carlsbad, CA. 92008 Cell: (760) 583-2107    eFax: (760) 496-1649   DRE# 01357594

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