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Thursday, December 20, 2012

California home prices rise 25 percent

Great Article from the San Francisco Chronicle:
http://www.sfgate.com/realestate/article/California-home-prices-rise-25-percent-4129561.php

Private Mortgage Insurance - Are you still paying it?


  • Most lenders require borrowers to pay private mortgage insurance (PMI) on mortgages in which borrowers make a down payment of less than 20 percent. PMI is designed to protect the lender in case the borrower defaults.
  • Once a borrower has made enough payments to boost the equity of the home to 20 percent of the original purchase price, the borrower can ask the lender to cancel the PMI.
  • By law, the lender must cancel PMI at this point as long as the borrower has a history of on-time payments, the borrower can establish the property value has not declined, and there is not a subordinate lien – such as a home equity loan – on the property.
  • If a borrower cannot get the PMI removed at the 20 percent mark, the lender must automatically cancel the PMI when the equity of the home reaches 22 percent (based on the original purchase price). For certain loans defined as “high risk” by the lender, borrowers must wait until equity reaches 23 percent of the original purchase price.
  • If a borrower is unable to get the PMI removed using the previously mentioned tactics, the lender must cancel it once the borrower is halfway through the loan term, provided the borrower is current on payments.
  • The PMI cancellation rules do not apply to loans made by the Federal Housing Administration or Veterans Administration, which have their own requirements for removing the PMI.

Thursday, December 6, 2012

Where to Find Christmas Light Displays

The holiday season is upon us! Many homes and neighborhoods are decorated to the hilt. There's nothing like putting the kids in their jammies, hopping in the car and taking them for that annual Christmas light tour. Here's a list of all the great places in Sac-Placer-El Dorado Counties.

Antelope Christmas Lights
4025 Diane Dr 95843 Lighted Gingerbread home bring toy or food for needy kids-Santa may show up
4825 Clydebank Way 95843 Lite show to music FM 88.7 6:00 to 10:30pm
6635 Sienna Hills Way 95843 Light show to music FM 90.7
8213 Rockbury Way 95843 Check out whose pulling Santa’s sleigh…creative
8776 Palmerson Dr 95843 Retro making sure Santa sees this home while flying by

Carmichael Christmas Lights
8630 Fair Oaks Blvd 95608 Quarter million lights Park in Safeway lot tune FM 107.5 bring non-perishable canned foods

Citrus Heights Christmas Lights
6544 Bitterbush Way 95621 Take a photo with Santa while enjoying a bit of Christmas
6617 Golden Rain Ct 95610 Lots of lights
8135 Orelle Creek Ct 95610 USA Christmas display. Check out this court and Allene Creek Ct.to get into the spirit

Elk Grove Christmas Lights
3316 Lake Terrace Dr 95758 Leaping light display to music
3446 Point Pleasant Rd 95757 over 1/2 acre Christmas displays from Dec 1-Dec 24 M-F 5:15-9:30pm Weekends until 10:30pm
3508 Benedix Way 95758 Synchronized Lights to FM 97.5 5:30-10 pm
5341 Coral Creek Way 95758 Redesigns with strobe lights FM 106.7 5:00-midnite daily
6721 Sao Tiago Way 95757 Animation, bubbles and fog machines M-Thur 5:50-10:30pm, Fri-Sun 5:30-11:00pm
8954 Sedgewick Ct 95624 Loads of LED lights
9626 Marlemont Cir 95758 Disney Christmas
9720 Great Egret Ct 95757 A bit of Disney at Christmas

Fair Oaks Christmas Lights
Fair Oaks Village celebrates annual Christmas in the Village with Santa, parade & more on Dec. 3rd 2:00pm
5640 Kenneth Ave 95628 40K lights for Santa & the Elves
5981 Tanforan Ct 95628 Ice skating rink for penguins and a lot more
7780 Kanihan Ct 95628 Fairy forest of snow and ice, need to walk up walkway to see it all
San Ramon & Fair Oaks Blvd.
Folsom Christmas Lights
1380 Copping Ct 95630 Decorations & over 6K lights to music 5:00-10pm through New Year’s Day

Orangevale Christmas Lights
7312 Saint John Way 95662 Fancy Fan-dangled animated light show Sun-Thurs 6-9:30pm Fri-Sat 6-10:30pm
Dovewood Ct. park your car and enjoy the walk through this Court. Accepting food & money for Food for Families again this year.
Rancho Cordova Christmas Lights
10500 Mills Acres Cir you can see this home lite up from the freeway, lots of lights & Santa on the roof
2958 Mills Park Dr 95670 Christmas music, scenes and lights + American Flag on the roof to guide Santa

Sacramento Christmas Lights
Fab 40′s is always a must to see & drive by between 40th and 48th. Enjoy driving through the Fab 40′s to take in the beautiful lights.
1841 48th St.
Old Sac is always decked out for Christmas so be sure to go
Be sure to drive by 53rd & S Street 95819
2604 Morley Way, Sac 95864 accepting donations for homeless youth. starts De.1 7-10pm M-Thurs, Fri & Sat till 11pm
2973 Mendel Way sac 95833 turn to FM 99.5, starts 5-10 pm
3601 Kranhold Way sac 95827 5:30 pm-11:00pm Dec 1-Jan 1
4349 Figwood Way Sac 95864
4429 Alderwood Way sac 95864
4821 F Pkwy Sac 95823 “nightmare Before Christmas theme
7712 Countryfield Dr sac 95828 Winter wonderland in the snow!
452 Little River Wy Sac 95831 Angry Bird Light show
3961 Fair Oaks Blvd. Sac 95864 Bring a toy to donate to Sutter Hosp.
3037 San Dollar Way, Sacramento, 95821 from 5:00-11:00 pm through 12/31
8117 Mills Gap Way, Scramento 95828

Cameron Park Christmas Lights
4260 Spring Meadow Rd. 95862
2806 Holly Hills Lane off Cambridge Rd. I’m told the street will be decked out for the 11th year. Can food drive starts Dec. 1 – Dec.17th. Cameron Park Fire Dept will stop by Dec.9th and Santa will make an appearance. Hot chocolate & cookies will be served.

Placerville Christmas Lights
446 Canal St. 95667

Granite Bay Christmas Lights
6103 Oakbridge Drive The Holden Family year after year provide a spectacular Christmas display not to be missed year after year

Lincoln Christmas Lights
874 Glasgow Ct 95648 Check out the Grinch and all the characters ice skating along with neighborhood homes on Court
Rocklin Christmas Lights
4906 Charter Rd 95765 Traditional Christmas with 30K lights Dec 4-31st 7-10pm hot drinks available, bring canned food for Food Bank
Pebble Creek Dr & Strand Rd.

Roseville Christmas Lights
107 Striker Ct 95747 Four houses decorated for years & 8,500 lights on just one tree
2204 Thurton Dr 95747 Lights and music synchronized to 97.5 FM
533 Twinwood Loop 95678 several homes on the street with light show 97.5 FM & candy-cane arches over sidewalks thrill the kids
607 Falcon Way 95661 28K lights, moving reindeer & whole lot more
Davis Christmas Lights
2725 Henri Ct 95618 Check out Candy Cane Ct.where 7 houses decorate. Sunday-Thurs 6:00-9:00pm Fri & Sat 6:00-10pm. They collect for the needy in Davis

Monday, December 3, 2012

November Home Sales - Folsom

202 Wales Dr #202 Folsom, CA 95630-2851  $   83,350.00
240 Natoma Station Dr #D27 Folsom, CA 95630-7971  $ 100,000.00
1100 Moon Cir #1123 Folsom, CA 95630-4142  $ 135,000.00
1300 Moon Cir #1337 Folsom, CA 95630-4149  $ 150,000.00
811 Sibley St Folsom, CA 95630-3249  $ 161,500.00
801 Rumsey Way Folsom, CA 95630-2817  $ 165,000.00
227 Marsalla Dr Folsom, CA 95630-7201  $ 199,500.00
1701 Esplanade Cir #1701 Folsom, CA 95630-7368  $ 200,000.00
402 Ferry Cir #402 Folsom, CA 95630-4003  $ 205,000.00
115 Winchester Ct Folsom, CA 95630-4837  $ 210,000.00
4603 Esplanade Cir #4603 Folsom, CA 95630-7382  $ 214,000.00
1130 School St Folsom, CA 95630-3112  $ 217,000.00
101 Joseph Way Folsom, CA 95630  $ 220,000.00
103 Econome Ct Folsom, CA 95630-4869  $ 224,900.00
508 Willow Creek Dr Folsom, CA 95630-4862  $ 230,000.00
676 Diamond Glen Cir Folsom, CA 95630-3168  $ 235,000.00
129 CERRITO Dr Folsom, CA 95630  $ 240,000.00
104 Abrozo Ct Folsom, CA 95630-4933  $ 240,000.00
216 Talisman Dr Folsom, CA 95630-2726  $ 250,000.00
110 Lembi Dr Folsom, CA 95630-3287  $ 260,000.00
102 Janewood Ct Folsom, CA 95630-2710  $ 260,000.00
616 Willow Creek Dr Folsom, CA 95630-4854  $ 263,000.00
206 Tacana Dr Folsom, CA 95630-2226  $ 265,000.00
452 Lone Spur Dr Folsom, CA 95630-6173  $ 270,000.00
1720 Parkway Dr Folsom, CA 95630-7393  $ 280,000.00
520 Heiler Ct Folsom, CA 95630-6220  $ 281,000.00
140 Larkin Cir Folsom, CA 95630-3232  $ 282,000.00
130 Elkins Cir Folsom, CA 95630-8027  $ 286,000.00
109 Crossing Way Folsom, CA 95630-5510  $ 290,000.00
1557 Borrasca Dr Folsom, CA 95630-5722  $ 296,000.00
102 Hesiler Ct Folsom, CA 95630-8048  $ 300,000.00
373 Seaton Dr Folsom, CA 95630-7947  $ 303,300.00
155 John Henry Cir Folsom, CA 95630-8134  $ 316,000.00
1108 Ballard Ct Folsom, CA 95630-8554  $ 320,000.00
98 Barnhill Dr Folsom, CA 95630-8735  $ 320,000.00
2247 Daltrey Way Folsom, CA 95630-8512  $ 320,000.00
1177 Cobble Fields Ct Folsom, CA 95630-7658  $ 320,000.00
115 S Fork Way Folsom, CA 95630-2082  $ 329,000.00
651 Hancock Dr Folsom, CA 95630-4912  $ 335,000.00
102 Thorndike Way Folsom, CA 95630-6821  $ 340,000.00
1320 Bugby Lane Dr Folsom, CA 95630  $ 342,834.00
368 Lone Spur Dr Folsom, CA 95630-6176  $ 345,000.00
246 Barnhill Dr #37 Folsom, CA 95630-8735  $ 346,334.00
1049 Perazzo Cir Folsom, CA 95630-7667  $ 350,000.00
1316 Bugby Lane Dr Folsom, CA 95630  $ 353,977.00
236 Barnhill Dr Folsom, CA 95630-8735  $ 363,935.00
116 Vierra Cir Folsom, CA 95630-5433  $ 365,000.00
2005 Horseshoe Glen Cir Folsom, CA 95630-6294  $ 369,000.00
1129 GALSTON Dr Folsom, CA 95630-6135  $ 369,000.00
110 Rocky Cove Ct Folsom, CA 95630-2333  $ 372,750.00
247 Silberhorn Dr Folsom, CA 95630-6744  $ 385,000.00
996 Hildebrand Cir Folsom, CA 95630-6309  $ 385,000.00
476 Lone Spur Dr Folsom, CA 95630-6173  $ 389,000.00
1312 Humbug Creek Dr Folsom, CA 95630-7662  $ 389,000.00
1188 Burwick Ln Folsom, CA 95630-6139  $ 390,200.00
113 REBECCA Way Folsom, CA 95630-4944  $ 395,000.00
132 Honey Cook Cir Folsom, CA 95630-5446  $ 401,000.00
1141 Kidder Way Folsom, CA 95630-7319  $ 405,000.00
1284 Freswick Dr Folsom, CA 95630-5301  $ 405,000.00
1280 Withers Ct Folsom, CA 95630-8449  $ 415,000.00
125 Grey Canyon Dr Folsom, CA 95630-2011  $ 419,000.00
121 Pradera Ct Folsom, CA 95630-4932  $ 421,000.00
171 American River Canyon Dr Folsom, CA 95630-1552  $ 453,250.00
106 Oak Rock Cir Folsom, CA 95630-2016  $ 460,000.00
1761 Langholm Way Folsom, CA 95630-5317  $ 465,000.00
1126 Kidder Way Folsom, CA 95630-7318  $ 470,000.00
244 Luna Cir Folsom, CA 95630-7744  $ 474,000.00
1325 Muirkirk Ct Folsom, CA 95630-6141  $ 475,000.00
1124 Widgeon Ct Folsom, CA 95630-8582  $ 475,000.00
1289 Lorden Ct Folsom, CA 95630-8400  $ 480,000.00
416 Wellsley Ct Folsom, CA 95630-7962  $ 480,000.00
100 Bunker Ct Folsom, CA 95630-4831  $ 480,000.00
123 Hillswood Dr Folsom, CA 95630-2118  $ 485,000.00
2076 Tarbolton Cir Folsom, CA 95630-6132  $ 492,100.00
157 Hopper Ln Folsom, CA 95630-6725  $ 500,000.00
1564 Freswick Dr Folsom, CA 95630-5308  $ 540,000.00
115 Cascade Falls Dr Folsom, CA 95630-1553  $ 549,000.00
2148 Hidden Falls Dr Folsom, CA 95630-6317  $ 555,000.00
124 Darrington Dr Folsom, CA 95630-2258  $ 665,000.00
118 Del Norte Vista Way Folsom, CA 95630  $ 688,000.00
633 Westchester Dr Folsom, CA 95630-6250  $ 769,000.00

November Home Sales - El Dorado Hills

3285 Tea Rose Dr El Dorado Hills, CA 95762-6568  $ 273,000.00
4335 Brisbane Cir El Dorado Hills, CA 95762-5376  $ 285,000.00
4508 Cartina Way El Dorado Hills, CA 95762-5450  $ 295,000.00
1403 Teally Pl El Dorado Hills, CA 95762-5317  $ 305,000.00
3776 Park Dr El Dorado Hills, CA 95762-4556  $ 320,000.00
2621 Hoffman Ct El Dorado Hills, CA 95762-4038  $ 323,000.00
3523 ROLPH Way El Dorado Hills, CA 95762-4416  $ 348,000.00
4330 Lombardia Way El Dorado Hills, CA 95762-5446  $ 350,000.00
1954 Shelby Cir El Dorado Hills, CA 95762  $ 355,000.00
3054 Brackenwood Pl El Dorado Hills, CA 95762-7841  $ 355,000.00
1659 Wyndham Way El Dorado Hills, CA 95762-5368  $ 355,000.00
4102 Bayberry Cir El Dorado Hills, CA 95762-7610  $ 359,000.00
4864 Dalewood Dr El Dorado Hills, CA 95762-7523  $ 360,000.00
3524 Brandt Ct El Dorado Hills, CA 95762  $ 360,000.00
1333 Cromwell Ct El Dorado Hills, CA 95762  $ 360,000.00
312 Stagestop Ct El Dorado Hills, CA 95762  $ 368,600.00
3054 Montrose Way El Dorado Hills, CA 95762-9677  $ 370,000.00
434 Maul Oak Ct El Dorado Hills, CA 95762-3930  $ 390,000.00
1016 Penniman Dr El Dorado Hills, CA 95762-5210  $ 411,500.00
2104 Bailey Cir El Dorado Hills, CA 95762-9661  $ 415,000.00
7037 Rosado Dr El Dorado Hills, CA 95762-7649  $ 430,000.00
2204 Rookery Pl El Dorado Hills, CA 95762-7802  $ 435,000.00
4333 Rimini Way El Dorado Hills, CA 95762-5470  $ 435,000.00
1547 Daunting Dr El Dorado Hills, CA 95762-7658  $ 442,800.00
1004 Autumn Trail Way El Dorado Hills, CA 95762-5038  $ 443,888.00
930 Apero Way El Dorado Hills, CA 95762-7732  $ 452,000.00
5064 Courtney Way El Dorado Hills, CA 95762-5478  $ 455,000.00
4114 Redondo Dr El Dorado Hills, CA 95762-7554  $ 458,000.00
7102 Hearst Dr El Dorado Hills, CA 95762-5486  $ 462,510.00
2610 Clarksville Rd Rescue, CA 95672-9417  $ 470,000.00
5050 Skellig Rock Way El Dorado Hills, CA 95762-7691  $ 499,000.00
1150 Villagio Dr El Dorado Hills, CA 95762-5527  $ 500,000.00
1129 Manning Dr El Dorado Hills, CA 95762  $ 500,000.00
7004 Hearst Dr El Dorado Hills, CA 95762-5485  $ 515,000.00
2014 Stonebriar Dr El Dorado Hills, CA 95762-9676  $ 535,000.00
1272 Terracina Dr El Dorado Hills, CA 95762-5403  $ 565,000.00
6513 Goya Way El Dorado Hills, CA 95762  $ 568,993.00
5055 Winterfield Dr El Dorado Hills, CA 95762-9308  $ 579,000.00
6048 Southerness Dr El Dorado Hills, CA 95762-7690  $ 590,000.00
2008 Haeling Pl El Dorado Hills, CA 95762  $ 599,000.00
2412 Loch Way El Dorado Hills, CA 95762  $ 625,000.00
801 Royal Troon Pl El Dorado Hills, CA 95762-7689  $ 676,000.00
1314 Cromwell Ct El Dorado Hills, CA 95762  $ 775,000.00
1440 Crocker Dr El Dorado Hills, CA 95762  $ 850,000.00

November Home Sales - CameronPark/Shingle Springs/Rescue

3085 Garden Cir #3 Cameron Park, CA 95682-8512  $   97,500.00
3160 NAVION Ct #1 Cameron Park, CA 95682-8152  $ 140,000.00
3040 Granada Ct #19 Cameron Park, CA 95682-8151  $ 165,000.00
2836 Pine Creek Ct Cameron Park, CA 95682-9248  $ 182,000.00
3080 Emerald Ct Cameron Park, CA 95682-8536  $ 183,500.00
3302 Oxford Rd Cameron Park, CA 95682-9138  $ 198,500.00
4201 Creekside Dr Shingle Springs, CA 95682-9759  $ 210,000.00
3163 Gateway Dr Cameron Park, CA 95682-9236  $ 215,000.00
2751 CAMBRIDGE Rd Cameron Park, CA 95682-9250  $ 222,500.00
9500 Falcon Haven Rd Shingle Springs, CA 95682-9766  $ 230,299.00
2701 Sandhurst Dr Cameron Park, CA 95682-9197  $ 247,000.00
2885 Alhambra Dr Cameron Park, CA 95682-8857  $ 260,000.00
3157 BENTLEY Dr Rescue, CA 95672-9409  $ 260,800.00
3170 Bentley Dr Rescue, CA 95672-9408  $ 265,000.00
3221 Doe Ct Cameron Park, CA 95682-9234  $ 268,000.00
2980 Calido Ct Cameron Park, CA 95682-8133  $ 272,000.00
3312 Oxford Rd Cameron Park, CA 95682-9138  $ 275,000.00
4457 S Shingle Rd Shingle Springs, CA 95682-7523  $ 285,000.00
3580 Sudbury Rd Cameron Park, CA 95682-8228  $ 305,000.00
1780 Needmore Dr Shingle Springs, CA 95682-9752  $ 315,000.00
4241 Valtara Rd Cameron Park, CA 95682-8990  $ 318,000.00
4511 Creekside Dr Shingle Springs, CA 95682-8332  $ 319,900.00
1524 Arrowbee Dr Placerville, CA 95667-9378  $ 338,000.00
4877 Byrd Foote Dr Shingle Springs, CA 95682-9349  $ 339,000.00
3533 Castlebrook Rd Cameron Park, CA 95682-8616  $ 339,900.00
4200 Ciello Ct Cameron Park, CA 95682-7726  $ 340,500.00
4540 Studebaker Rd Placerville, CA 95667-8605  $ 350,000.00
3016 Moliner Dr Cameron Park, CA 95682-7957  $ 360,000.00
2760 HILLCREST Dr Cameron Park, CA 95682-9281  $ 365,000.00
2626 Julie Ct Cameron Park, CA 95682-7803  $ 375,000.00
415 ASHLAND Ct Cameron Park, CA 95682-7661  $ 380,000.00
4601 Holiday Lake Dr Shingle Springs, CA 95682-8420  $ 396,000.00
2310 Dunnings Rd Shingle Springs, CA 95682  $ 404,000.00
3580 Culver Ln Cameron Park, CA 95682-7625  $ 422,000.00
2066 Riesling Way Shingle Springs, CA 95682-7730  $ 440,000.00
3954 Chariot Cir Rescue, CA 95672-9614  $ 455,000.00
3435 Cambridge Rd Cameron Park, CA 95682-9024  $ 460,000.00
6181 Bridgeport Dr Cameron Park, CA 95682-7667  $ 475,000.00
5578 Amber Fields Dr Shingle Springs, CA 95682-8076  $ 475,000.00
2401 Skinner Ln Rescue, CA 95672  $ 500,000.00
4120 Black Oak Dr Shingle Springs, CA 95682-9476  $ 545,000.00
5355 Amber Fields Dr Shingle Springs, CA 95682-8069  $ 576,750.00
4900 ROCKING HORSE Ln Shingle Springs, CA 95682-9576  $ 638,000.00
4431 Spring Meadow Rd Cameron Park, CA 95682-9629  $ 883,500.00

Saturday, December 1, 2012

Just Sold! 3113 Tamalpais Way Sacramento, CA



Congratulations Sarah!!!

Just Listed! 2781 Ranch Road Placerville, CA 95667





This is your Dream Home!  Built in 2004, this house is in move-in condition with granite counters & stainless steel appliances in the kitchen, wood and tile flooring throughout.  Owners have lovingly maintained this unique property inside & out w/ garage cabinets, rock retaining walls, finished storage basement w/ wine cellar area, fully landscaped with appox. 4,000 bulbs, 25KW generator, water softening & reverse osmosis sys & RV parking with sewage disposal site.
$459,000.00
4 Bedrooms 2.5 Baths
2366'
2.469 Acres
MLS Listing #12070361

Friday, November 30, 2012

8 Markets Where Homes Are Selling the Fastest

The median age of inventory of for-sale homes has dropped nearly 12 percent compared to year-ago levels, according to October housing data from Realtor.com.

With inventories shrinking nationwide and hovering at historic lows, homes are selling faster in many parts of the country.

“Lower inventories, combined with somewhat higher median list prices, suggest that the housing market ending the 2012 home-buying season is in better shape than it was a year ago,” according to a Realtor.com release.

California boasts the most number of housing markets seeing some of the lowest median age of inventory in October. In Oakland, Calif., the median age of inventory is the lowest in the country at 21 days, a 57 percent decrease over year ago levels.

The following are the top eight markets with the lowest median age of inventories in the country:
  • Oakland, Calif.: 21 days
  • Stockton-Lodi, Calif.: 26 days
  • Sacramento, Calif.: 32 days
  • Denver, Colo.: 40 days
  • San Francisco: 44 days
  • Fresno, Calif.: 44 days
  • Phoenix-Mesa, Ariz.: 47 days
  • San Jose, Calif.: 47 days
By Melissa Dittmann Tracey, REALTOR(R) Magazine Daily News

Wednesday, November 28, 2012

Drastically Low Inventory of Available Homes for Sale In Shingle Springs and Cameron Park Cause Prices to Increase


If you know anybody who is thinking about selling, please consider referring me. Prices are increasing rapidly right now because of the shortage of homes for sale. This could all change in the spring as more people try to hit the "buying" season. There are serious buyers out there right now, but there's not much to look at. The time to sell is now so please have your friends and family call me for a free market analysis. I think they'll be surprised at much their home has appreciated from the lows last year.

Saturday, November 24, 2012

How can you refinance an underwater mortgage?

If you are underwater on your mortgage and want to stay in your house, the first step is to try to refinance to a lower interest rate which will make your payments more affordable.  This article highlights some resources that are available.  If for some reason you don't qualify for a refinance, please contact me.  I have experience with short sales and can help.

From CNN Money November 9, 2012~

I am trying to find a program that will help me refinance my home loan. I owe more than the house is worth. I have never been late on a payment and my credit score is really good. My current rate is 8% and no one will seem to refinance it for me. Is there any hope? — Jeff D.

Step one is to figure out what type of loan you have, says Marsha O'Hare, a financial service specialist and HUD-certified housing counselor at Apprisen, a Columbus, Ohio-based credit counseling organization. If the loan is owned or guaranteed by Freddie Mac or Fannie Mae, you may be eligible for the government's Home Affordable Refinancing Program (HARP). "It allows someone who is not delinquent in their payments to refinance, even if the house is worth less than the loan," says O'Hare. You can find more information about HARP at http://www.makinghomeaffordable.gov.

Another option, she says, is a Federal Housing Administration (FHA) Short Refinance. This program is extended to homeowners who are not behind on payments, owe more than their home is worth, and whose loans are not covered by Fannie Mae, Freddie Mac or FHA. A key part of the program is that lenders must agree to reduce the principal of the loan, so contact your mortgage provider to see if you are eligible. Read more about the FHA Short Refinance program at http://www.makinghomeaffordable.gov/programs/lower-rates/Pages/short-refinance.aspx.

If these options don't work, O'Hare suggests meeting with a certified housing counselor to work through the specifics of the loan and figure out what might work best for your financial situation. The U.S. Department of Housing provides a list of counselors listed by state at http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.

— Austin Kilham

Got a question for the Help Desk? Send it to helpdesk@cnnmoney.com.

Posted in: Credit, Real Estate
   

Wednesday, November 21, 2012

El Dorado County Animal Services - Animal Adoptions

El Dorado County Animal Services has (7) Quarter Horses available for
adoption - Free to the right home! 5 mares, 1 gelding & 1 stallion.
Pictures & Details at www.facebook.com/edcanimalservices or you can call
the shelter! 530-621-7631

Their page also has pictures of dogs and cats that are available for adoption!

Sunday, November 18, 2012

Lake Clementine - Auburn State Recreation Area

We're always wondering what to do for fun and exercise in the out of doors this time of year. It's too cold to go hiking at higher elevations, but there's not enough snow to go snowshoeing or skiing. In the valley, it's too cold to go kayaking, and road biking would be a bit chilly.

This is when we usually turn to Auburn State Recreation Area. You can get a good workout while exploring the vast canyon trail system either on mountain bike or foot. Having already explored the Auburn Lake Trails area and the Olmstead Loop in Cool, last week we opted for a stroll to Lake Clementine. This would be a great hike to bring the kids on over the Thanksgiving holiday because you can get to the spillway with relative ease and they will marvel at walking under the Foresthill Bridge.

Take Hwy 49 to the confluence of the North and Middle Forks of the American River in Auburn.  Park at any of the self pay lots along the road.  Begin your hike by walking along the road that crosses the North Fork and head along the south side of the river under the Forest Hill Bridge.  The lake is only about 1.5 miles from parking and is a gentle slope.  The trails continue past the lake for the more adventurous.
 
 
 

What's In Store for the California Market in 2013?

MarketSnapshot_20121101

Friday, November 9, 2012

Potential borrowers eager to find lenders with superior service

This article from the L.A. Times highlights an important part of the home purchasing process that buyers need to be aware of.   A responsive lender can make a huge difference in how smoothly the process goes while also reducing stress.  I keep a vendor list of local businesses that have received RAVE reviews from my clients, so if you ever need a list of GREAT lenders, (or other local business) in the area please give me a call.

Potential borrowers eager to find lenders with superior service

Saturday, November 3, 2012

Thursday, November 1, 2012

Folsom, CA - Home Sales October 2012

1100 Moon Cir #1137 Folsom, CA 95630-4143  $ 150,000.00
885 Halidon Way #1018 Folsom, CA 95630-8438  $ 164,900.00
128 Wild River Ln Folsom, CA 95630-2023  $ 194,500.00
1106 Esplanade Cir #1106 Folsom, CA 95630-7361  $ 195,500.00
212 Blossom Rock Ln #36 Folsom, CA 95630-8743  $ 213,000.00
691 Diamond Glen Cir Folsom, CA 95630-3168  $ 229,500.00
2230 Trower Ct Folsom, CA 95630-8500  $ 235,000.00
442 Carlson Way Folsom, CA 95630-7930  $ 236,000.00
639 Flower Dr Folsom, CA 95630-4817  $ 240,000.00
1502 Ferry Cir Folsom, CA 95630-4014  $ 240,000.00
716 Diamond Glen Cir Folsom, CA 95630-3158  $ 241,900.00
107 Snow Bar Ct Folsom, CA 95630-4871  $ 245,000.00
601 Humbert St Folsom, CA 95630-5452  $ 247,000.00
104 Mcnamee Dr Folsom, CA 95630-3292  $ 262,000.00
103 Harcourt Way Folsom, CA 95630-8647  $ 263,000.00
408 Weider Ct Folsom, CA 95630-8430  $ 270,000.00
142 Gilded Rock Cir Folsom, CA 95630-3276  $ 271,000.00
132 Witmer Dr Folsom, CA 95630-4654  $ 275,000.00
284 Spencer St Folsom, CA 95630-2749  $ 283,900.00
117 Mesquite Ct Folsom, CA 95630-4844  $ 285,000.00
1704 Ballou Cir Folsom, CA 95630-5716  $ 295,000.00
107 Marble Canyon Dr Folsom, CA 95630-7109  $ 295,000.00
710 Orange Grove Way Folsom, CA 95630-3213  $ 298,000.00
815 Stewart St Folsom, CA 95630-9566  $ 299,000.00
1442 Kerslake Cir Folsom, CA 95630-8460  $ 300,000.00
200 Willow Creek Dr Folsom, CA 95630-4807  $ 312,500.00
233 Briggs Ranch Dr Folsom, CA 95630-5269  $ 315,000.00
1081 Houston Cir Folsom, CA 95630-7654  $ 320,000.00
1181 Clemensen Cir Folsom, CA 95630-7303  $ 330,000.00
428 Ebi Way Folsom, CA 95630-9542  $ 335,000.00
124 Dyrell Way Folsom, CA 95630-2369  $ 339,000.00
703 Larson Way Folsom, CA 95630-6904  $ 350,000.00
108 Triff Ct Folsom, CA 95630-5431  $ 355,000.00
103 Canyon Rim Dr Folsom, CA 95630-2001  $ 360,000.00
804 Bluestone Cir Folsom, CA 95630-3519  $ 360,000.00
2121 Entwistle Ct Folsom, CA 95630-8546  $ 362,000.00
2234 Zittle Dr Folsom, CA 95630-6178  $ 370,000.00
1207 Eschelman Ct Folsom, CA 95630-7334  $ 380,000.00
402 Sutter St Folsom, CA 95630-2541  $ 380,000.00
700 Halidon Way Folsom, CA 95630-8402  $ 385,000.00
752 Bluestone Cir Folsom, CA 95630-3530  $ 390,525.00
1684 Bayer Ct Folsom, CA 95630-7324  $ 402,000.00
184 John Henry Cir Folsom, CA 95630-8128  $ 404,000.00
104 Simmons Way Folsom, CA 95630-1820  $ 409,000.00
277 Baurer Cir Folsom, CA 95630-6780  $ 417,000.00
189 Oxleigh Way Folsom, CA 95630-8410  $ 420,000.00
1772 Dunkeld Ln Folsom, CA 95630-5316  $ 420,000.00
569 Fisher Cir Folsom, CA 95630-9540  $ 427,000.00
2064 Stockman Cir Folsom, CA 95630-6237  $ 430,000.00
1400 Freswick Dr Folsom, CA 95630-5302  $ 435,000.00
156 Teceira Way Folsom, CA 95630-7713  $ 437,000.00
171 Stonington Way Folsom, CA 95630-6811  $ 444,000.00
103 Rigney Ct Folsom, CA 95630-8014  $ 449,000.00
187 Westbury Cir Folsom, CA 95630-6859  $ 450,000.00
135 Oak Ravine Way Folsom, CA 95630-2013  $ 452,000.00
161 Cruickshank Dr Folsom, CA 95630-7720  $ 455,000.00
1628 Crowle Ct Folsom, CA 95630-7313  $ 462,000.00
121 Finchley Ln Folsom, CA 95630-6746  $ 469,000.00
1933 Tyndrum Ln Folsom, CA 95630-6114  $ 469,000.00
227 Luna Cir Folsom, CA 95630-7741  $ 475,000.00
517 Keefer St Folsom, CA 95630-8808  $ 485,000.00
248 American River Canyon Dr Folsom, CA 95630-7145  $ 495,000.00
1337 Blough Way Folsom, CA 95630-8424  $ 500,000.00
1099 Sibley St Folsom, CA 95630-3220  $ 509,000.00
1532 Settlers Ct Folsom, CA 95630-7668  $ 510,000.00
321 Canyon Falls Dr Folsom, CA 95630-7127  $ 529,000.00
104 Hollyann Dr Folsom, CA 95630-6619  $ 575,000.00
243 Alabaster Point Way Folsom, CA 95630  $ 600,000.00
1945 Tarbolton Cir Folsom, CA 95630-6131  $ 600,000.00
307 Fitchburg Folsom, CA 95630-6400  $ 620,000.00
1777 Summer Cloud Ct Folsom, CA 95630-6249  $ 830,000.00