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Real Estate Agent - Coldwell Banker Sacramento - Fair Oaks Office - DRE# 01118449
The greater Sacramento community, event information and Sacramento lifestyle.
Many homeowners are finding themselves in financial distress these days as a result of bad loans and unemployment.  They are asking, "How do I refinance when I owe more than my property is worth?" or "How can I get a loan modification?"  With property values in decline many homeowners owe much mo...
  Zero points does not necessarily mean lower cost for the loan.  I know this but many consumers don't.  This is an execellent example of how it plays out.  Great article written by a fellow Rainmaker.    Rates - APR - Points - Fees: How the Playing Field is Still "Crooked" I talked to a client t...
Renting vs owning.  Renting works fine for some people.   In some areas rent prices have begun to come down.  How does that effect the difference between the cost of home ownership over the cost of renting?   I don't think there is one right or wrong answer when it comes to the question, "Is it b...
H.R. 2801: Home Ownership Moves the Economy (HOME) Act of 2009  is a bill set to go before congress to extend the Home Buyer Tax Credit to U.S. citizens.  The current home buyer tax credit allows first time home buyers (buyers who have not owned a home in the last three years) to receive a credit...
This is a great read and excellent advice for anyone who is about to "shop" for a home loan. A good friend who has been in the business for many years asked a simple question of me today. It had mostly to do with credit score and what can be done. The answer was black and white - no room for gray...
Does it really make a difference? When an agent writes a purchase contract, one of the most important things included will be how much cash the buyer is going to put down, the type of financing and the terms of the loan.  Is it going to be a 20% down payment with a 30 year fixed loan at 6% or is ...
This is often misunderstood by consumers and it is up to the agent to explain the importance of an agency relationship.  Consumers want to be sure that their agent is on their side and representing their best interest. An agency relationship is created to form a fiduciary relationship.  With an a...
42nd Annual North Highlands/Antelope Memorial Day Parade Monday, 26 May 2008 VFW Post 4647 will present the 42nd Annual Memorial Day Parade honoring all those who gave their lives in defense of our great country. Applications are now being accepted for parade participants.  Trophies will be award...
As a child, one of the most exciting things I remember about Easter was going to the store and seeing bins filled with colorful baby chicks.  On my grampa's farm I would chase the little chickies all over the place trying to catch one.  They were too swift for me darting under the fence or into ...
Habitat For Humanity may be able to reuse some of your old stuff.    Sacramento's Habitat For Humanity's ReStore is a place where you can purchase or donate items from remodeled homes.  Many donations are tax deductable and they will provide you with a receipt.  They accept everything from tools,...

Chrysti Tovani

Sacramento Real Estate Agent
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