Seminar to learn about Short Sales, Foreclosures & 1st Time Buyer Programs.

FREE Short Sale, Foreclosure &

 

1st Time Home Buyer Seminar

DO YOU KNOW WHAT A SHORT SALE IS?

DO YOU KNOW WHAT THE DIFFERENCE IS BETWEEN A SHORT SALE, A PRE-FORECLOSURE & A FORECLOSURE??

ARE YOU CURIOUS ABOUT THE DEALS THAT CAN BE HAD IN YOUR OWN NEIGHBORHOOD?

ARE YOU WONDERING ABOUT YOUR FINANCING OPTIONS?

NOW is the perfect opportunity to become a real estate investor!!

Hurry!  Limited Seating!!  Reserve Your Seat Now!!

Learn what a short sale is and how it is different from a foreclosure in a seminar where all your questions will be answered.  You will walk away knowing exactly what you need to know to either buy your first home, or buy your first investment.  Those who are having trouble with the loan modifications and don’t know what to do next, will also get their questions answered. A lending specialist will be on hand to inform you about the various loan programs available.  All attendees will receive FREE access to ListingBook.com!

This event is not to be missed!

When: Wednesday, September 16, 2009

Where: Richard Realty Group, Inc. Conference Room

5411 Avenida Encinas, Carlsbad, 92008

Time: 6 p.m.

Everything you need to know before buying or selling a short sale or foreclosure and everything a 1st time home-buyer or investor should know:

• Learn about the home buying process
• Learn why buying a short sale or foreclosure is different
• Learn how to write an offer that gets accepted
• Learn why buying a short sale is a great idea
• Receive FREE access to ListingBook.com just for showing up!
  
• Uncover the costs involved in home ownership
• Determine how much home you can afford
• Explore affordable financing options
• Apply for pre-approval and start house hunting immediately!*
• You may be able to afford more home than you thought!

Enter to win a $50 gas card!**

*This is not a promise to lend.

**Must be present to win.

Barbara Whisenant (DRE# 01357594)

Cathie Nichols (DRE# 01348503)

Nancy Osco (DRE# 00801918)

Why Can’t a Woman Get Good Customer Service?

I went to buy a new Toyota this week.  What an ordeal…

I have already gone to the credit union and have my loan in place.

I’ve researched the prices, accessories and was ready, willing and able to purchase a vehicle now.

1. Went to dealer ship and walked the entire lot.

2 I opened doors and was sitting in several auto’s.

3. Looked at the Prius and the Camry Hybrid.

4. Waited and waited and waited for someone to come and offer to help me purchase an auto.

5. I finally walked into the showroom. Two guys laid back sitting at the desk shooting the breeze, “Can I help you?”  “Well, yes. I’m here to buy a car.”  “Oh, I’ll find someone to help you.”

6. Told him which one I wanted and the only extra I wanted was the Bluetooth capability.

7. He brings me over the full price invoice for me to sign….. “Woo, we haven’t talked price yet” I said. Shocked, he tells me that with the government rebate Cash for Clunkers, the dealers no longer have to make deals!

8. Well, I’ve researched the price on the internet and I’m willing to pay $24,000.

9. Back and forth, back and forth, back and forth. (I had already told him, I wasn’t going to play that game.)  We finally came to an agreement and shook hands on it.

10. Gathering all the booklets and keys to give to me. He comes back with, Oh, Barbara, that rebate is for the 2009 not the 2010. Let me see if I have a 2009. 

11.  He had a black one. I don’t want a black car!

12. I left the dealer ship and told him I might be back when they are willing to deal.

Where has customer service gone? I can't believe that a company would let a buyer who was perfectly ready and willing to buy walk out without a contract.

This same kind of thing happens to me when I go alone to electronic, computer, appliance stores & restaurants. When I take a male with me it is always different story. 

I would think that a store that caters to women would  be very welcome and would be a gold mine. I know I’m not alone in my frustration!!

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/profile.php?id=1343841132&ref=ts

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

Read my Blog: www.barbarawhis.com

Visit my website: www.Homes4SaleSanDiego.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

Seems to be a new wrinkle in the Short Sale market here in San Diego

I'm an agent in the San Diego area. Our market place has become a very hard area to get some transactions done because at a certain sales value there are not very many available homes.  The REO's have kind of dried up and the short sales are getting multiple offers on them.

I've been very successful in getting short sale transactions done during the last 2 years. But, there seems to be a new wrinkle in the market place that I just don't understand.

This new strategy I just don't understand. Maybe you can enlighten me?

Suddenly in the listings we have here in the San Diego area, are seeing listing agents put in the confidential remarks or a link to a website link:

1. Seller will not sign residential purchase agreement until full lender approval. (Okay, I've never been able to submit an offer to the lender without a fully executed contract')
2. Buyer must contact (their lender) and submit the full lender approval with the offer. (What, my buyer needs to send w'2 and tax returns to the listing agents lender association, when we don't have a fully executed contract and don't even know if ours is the offer being sent to the lender?)
3. Buyer will not be contacted until full lender approval. (Again, What?)

Here is San Diego, our MLS boards have implemented a rule for short sales. When there is an offer accepted and submitted to the lender, 1. the status of the listing must go into Contingent status and 2. in mandatory remarks the option of Pending Lender Approval of Short Sale must be checked.

This rule was implemented to try and help buyer agents from spinning their wheels and time going to and showing properties that already have offers on them.

Agents are getting tired, buyers a getting frustrated and the relationships are being strained.

This can not be good for anyone's business.

Can anyone tell me what is going on?

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/profile.php?id=1343841132&ref=ts

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

Read my Blog: www.barbarawhis.com

Visit my website: www.Homes4SaleSanDiego.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

Why Can’t a Woman Get Good Customer Service?

 

I went to buy a new Toyota this week.  What an ordeal…

I have already gone to the credit union and have my loan in place.

I’ve researched the prices, accessories and was ready, willing and able to purchase a vehicle now.

1. Went to dealer ship and walked the entire lot.

2 I opened doors and was sitting in several auto’s.

3. Looked at the Prius and the Camry Hybrid.

4. Waited and waited and waited for someone to come and offer to help me purchase an auto.

5. I finally walked into the showroom. Two guys laid back sitting at the desk shooting the breeze, “Can I help you?”  “Well, yes. I’m here to buy a car.”  “Oh, I’ll find someone to help you.”

6. Told him which one I wanted and the only extra I wanted was the Bluetooth capability.

7. He brings me over the full price invoice for me to sign….. “Woo, we haven’t talked price yet” I said. Shocked, he tells me that with the government rebate Cash for Clunkers, the dealers no longer have to make deals!

8. Well, I’ve researched the price on the internet and I’m willing to pay $24,000.

9. Back and forth, back and forth, back and forth. (I had already told him, I wasn’t going to play that game.)  We finally came to an agreement and shook hands on it.

10. Gathering all the booklets and keys to give to me. He comes back with, Oh, Barbara, that rebate is for the 2009 not the 2010. Let me see if I have a 2009. 

11.  He had a black one. I don’t want a black car!

12. I left the dealer ship and told him I might be back when they are willing to deal. 

 

Where has customer service gone? I can't believe that a company would let a buyer who was perfectly ready and willing to buy walk out without a contract.

This same kind of thing happens to me when I go alone to electronic, computer, appliance stores & restaurants. When I take a male with me it is always different story. 

I would think that a store that caters to women would  be very welcome and would be a gold mine. I know I’m not alone in my frustration!!

 

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/profile.php?id=1343841132&ref=ts

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

Read my Blog: www.barbarawhis.com

Visit my website: www.Homes4SaleSanDiego.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

Team Women Breakfast Mixer! August 10th 9am

It’s a Team Women Breakfast Mixer! Hey Ladies!! Team Women Carlsbad is having a Breakfast Mixer and 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. Please RSVP on our Team Women Carlsbad event site (you’ll find the Mixer under events along with our bi-weekly meeting schedule) as soon as you can, We need to give the great people at The Q Restaurant a head count. See you: Monday August 10th! 9 am - 10:30 am The Q Restaurant 2725 Vista Way Oceanside, CA 92054 (760) 757-7070 Bridget Ayers , Coordinator Team Women Carlsbad Visit your Network's Official Website. Please contact me if I may be of further assistance. 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/profile.php?id=1343841132&ref=ts Linkedin: http://www.linkedin.com/in/barbarawhisenant Read my Blog: www.barbarawhis.com Visit my website: www.Homes4SaleSanDiego.com A Division of Richard Realty Groups, Inc 6986 El Camino Real, Ste. H, Carlsbad, CA. 92009 Cell: (760) 583-2107 eFax: (760) 496-1649 DRE# 01357594 Check out the list below for the core professions that Team Women are looking for! A 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 B Bakery, Bankcard/Merchant Services, Banker, Barber, Bartender, Beauty Supplies, Bookkeeper, Building Contractor, Business Equipment C Candle Sales, Carpet cleaning, Carpet Installation, Catering, Certified Public Accountant, Certified Rolfer, Chef, Child & School Advocate, Childcare/Babysitter, Chiropractor, Closet Designer, Clothing, Coach - Executive, Coach - Life, Coach - Marketing, Coach - Speech, Coach - Weight Loss, Coffee Services, College Consultant, Commercial Banking, Commercial Printing, Computer Consultant/Software Developer, Copy Center, Corporate Gifts/Gift Baskets, Corporate Trainer, Cosmetics & Make Up D Dental Hygienist, Dentist, Direct Mail Marketing, Disc Jockey, Dog Trainer, Dog Walker, Driver, Dry Cleaners E Electrician, Entertainment, Escrow Officer, Esthetician, Event Planner, Event Speaker, Executive Recruiter F Feng Shui Consultant, Floor & Window Covering, Foreign Language Teacher, Furniture Rental, Furniture Upholsterer G Gardner, Gift Baskets, Grant Writer, Graphic Artist, Gymnastics Instructor H Hair stylist, Handyperson, Hard Disk Crash Recovery, Headhunter, Health Care Organization, Healthy Food Delivery, Home Inspector, Home Remodeling, Home Staging Professional, Housekeeper, Housepainter, House sitter I Image/Color Consultant, In-Home Care Nurse, Innkeeper, Insurance - Home/Auto, Insurance - Property/Casualty, International Conference Coordinator, Internet Marketing Expert, Interior design J Jewelry - Fine K Fine Kitchen Tools Consultant L Landscaper M Makeup Artist, Management Consulting & Strategic Business Planning, Manicurist/Pedicurist, Marketing & Graphic Design, Marketing - workshops and seminars, Marriage Counselor, Massage Therapist, Meal Assembly, Midwife, Minister/Clergy, Money Manager, Mortgage Lender, Mortician, Mover, Music Teacher N Notary/fingerprinting, Nutritional Supplements, Nutritionist O Obstetrician, Online Party Expert, Optometrist P Painter, Payroll Company, Permanent Make-Up, Personal Assistant, Personal Chef, Personal Fitness Training, Personal Shopper, Pest & Termite Control, Pet Sitter, Personal Concierge/Errands, Personal Shopper, Physical Therapist, Photographer - Commercial, Photographer - Portrait, Physician, Piano Teacher, Plant Service, Plastic Surgeon, Plumber, Pool contractor, Prepaid Legal Services, Primary Care Physician, Printer, Printer Cartridges & Repair, Private Detective, Professional Gift Service, Professional Organizer, Professional Writer, Promotional Products/Clothing, Property Manager, Psychic, Psychologist, Psychiatrist Q Quilter R Real Estate Appraiser, Realtor - commercial, , Reiki Master, Roofing S Seamstress/Tailor, Shoe Repair, Sign Language Interpreter, Speech Therapist, Spiritual Advisor/Clergy, Staffing Specialist, Stockbroker, Supplemental Insurance T Tarot Reader, Teambuilding, Time Management Consultant, Title Insurance, Training / Developmental, Training – Management, Training – Technical, Translator, Travel Agent, Tutor V Veterinarian, Video Production, Violin Teacher, Virtual Assistant, Voice Teacher, Vintner W Weaver, Wedding Cakes, Wedding Consultant, Web Design & Hosting, Wedding Consultant, Web Designer, Window Treatments, Y Yodeler, Yoga Instructor Z Zen Teacher

CA State Real Estate Market Data

Below, please find the latest market data for CA State.

Median Price May '09: $267,570

Median Price April '09: $256,700

Median Price May '08: $384,540

Change in Price vs. Prior Month: $10,870,4.2%

Change in Price vs. May '08: $-116,970,-30.4%

Change in Sales Prior Month: 2.9%

Change in Sales Prior Year: 35.2%



Please contact me if I may be of further assistance.

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/profile.php?id=1343841132&ref=ts

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

Read my Blog: www.barbarawhis.com

Visit my website: www.Homes4SaleSanDiego.com

A Division of Richard Realty Groups, Inc 6986 El Camino Real, Ste. H, Carlsbad, CA. 92009 Cell: (760) 583-2107 eFax: (760) 496-1649

The "Real" Credit Score

Did you know that Equifax is the only credit bureau that gives you your real credit score?

Experian & Transunion just give you a score that they make up and is not the FICO score used by credit lenders to give you a loan.


If you're going to pay money to get your credit score, make sure you go to Myfico.com or Equifax.com to get the real FICO score.

Quizzle.com will give you a free one that is estimated. I just did it and it was easy.

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/profile.php?id=1343841132&ref=ts

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

Read my Blog: www.barbarawhis.com

Visit my website: www.Homes4SaleSanDiego.com

A Division of Richard Realty Groups, Inc 6986 El Camino Real, Ste. H, Carlsbad, CA. 92009 Cell: (760) 583-2107 eFax: (760) 496-1649