Copperopolis CA - The Stop Foreclosure Institute recently received a question from Christy. “Why would I do a short sale instead of saving the monthly payments and letting it go into foreclosure?” Christy asked. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. Here is the answer. If you stop paying your mortgage, then you can live in your home rent free for 12-24 months, depending on the state you are located within. I have seen lenders wait a year after the first missed payment just to file for foreclosure. Yes, you can live in your house for free for a long time. However, a short sale has many advantages over a foreclosure. It does less damage to your credit and allows you to buy another home in 2 years versus the 5-7 years after a forecl... 12/03/2010

Copperopolis CA - I am following up on a question from Arman. His loan was owned by Fannie Mae and the company handling the loan for Fannie Mae was rejecting an excellent short sale offer for no reason. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. When you get in front of a jury and show how this company’s negligence caused Fannie Mae to lose $15,000 (what I project they will lose) and that it hurt him as well, the jury will award damages in a heartbeat. Here are some of the damages a foreclosed homeowner might be able to ask for. Credit Damage. A foreclosure is much more damaging long term to your credit than a short sale. For the next 7 years they will have to answer yes to the standard question that is on most credit applications: "H... 11/24/2010

Copperopolis CA - The Stop Foreclosure Institute recently received a question from Tim. Here is Tim’s Question. “I have an elderly friend who recently finalized a loan modification through her lender. The mortgage company shows on their website that the mod has been processed and the new terms are in effect. However, since foreclosure proceedings were begun before the mod was approved, her homeowner’s insurance holder will not renew her coverage policy, since the local Clerk of Courts records show that the loan is in a foreclosure process. The mortgage company has not sent the Clerk of Courts notice that the foreclosure case is closed. What can she do to avoid losing her insurance coverage?” Discover how other sellers successfully did a short sale and request a free consultation by clic... 11/18/2010

Copperopolis CA - Many people don't think they are eligible for a short sale because they have unpaid homeowner's association dues. Don't worry about paying them yourself. When you short sale your home the association dues will be paid by your lender. Discover how other sellers successfully did a short sale and request a free consultation by clicking here. A homeowner's association is a very small percentage of the overall short sale value. Lenders know that a short sale will net them substantially more money than a foreclosure. I had an example in the post below. I showed a house that received a $119,900 short sale offer. The lender rejected that offer. The home was foreclosed on and sold for $96,400. That means that lender lost $23,500 by rejecting that short sale offer. The short sal... 11/01/2010

I've got the latest Lake Tulloch / Copperopolis area residential sales statistics for you to see in four clickable graphs. As usual, the first three graphs cover three years including 2008, 2009 and 2010. The first graph spells out the Residential Unit Sales. The second graph highlights Residential Sales Volume. And the third graph shows Residential Average Sales Price. And finally, the fourth graph focuses on the price range breakdown of Residential Units Sold through June 7, 2010. Before you click on the graphs, here are some of the numbers in simple black and white... Total Residential Unit Sales: May 2010 = 86; May 2009 = 57; May 2008 = 60 Total Residential Sales Volume: May 2010 = $18,849,200; May 2009 = $13,681,559; May 2008 = $21,669,017 Total Residential Average Sales Price: Ma... 06/07/2010

The main Hwy. responsible for much of the growth of California's Mother Lode Region is State Highway 49.  No history of Copperopolis and Lake Tulloch would be complete without exploring the original covered bridge that was lost to the need for water. Over this road and the adjoining side roads a travelers can pass thru 58 of California's counties.  One of the historic landmarks that could be seen on this road was the O'Byrnes Ferry and the covered Bridge.  Through Out history there have been many that tried to preserve the local bridge over Stanislaus River.  The river is actually the dividing line between the counties of Tuoulumne and Calaveras.  The bridge was the main connection between Stockton and Yosemite Junction.  When water storage was needed it was determined that a dam would ... 03/25/2010

Heidi Hovatter | Century 21 Wildwood | 209-743-3010 4871 Bayview Drive, Copperopolis, CA 2 units with a View of Lake Tulloch. Live in one unit and rent out the other!! Perfect for vacation use or full time living. Upper unit has 2 bedrooms 3BR/2BA Single Family House offered at $108,000 Year Built 1978 Sq Footage 1,296 Bedrooms 3 Bathrooms 2 full, 0 partial Floors 2 Parking 4 Uncovered spaces Lot Size 16,998 sqft HOA/Maint $0 per month DESCRIPTION Total of 3 bedrooms and 2 baths, 2 separate units. Large Decks with Lake Views. Close to boat ramp. see additional photos below PROPERTY FEATURES - Tile floor - Living room - Dishwasher - Stove/Oven - Microwave - Stainless steel appliances - Laundry area - inside - Balcony, Deck, or Patio - Yard COMMUNITY FEATURES - Lake OTHER SPECIAL FEATURE... 01/07/2010

I've got the latest Lake Tulloch / Copperopolis area residential sales statistics for you to see in four clickable graphs. As usual, the first three graphs cover three years including 2007, 2008 and 2009. The first graph spells out the Residential Unit Sales. The second graph highlights Residential Sales Volume. And the third graph shows Residential Average Sales Price. And finally, the fourth graph focuses on the price range breakdown of Residential Units Sold through December 8, 2009. Before you click on the graphs, here are some of the numbers in simple black and white... Total Residential Unit Sales: November 2009 = 80; November 2008 = 46; November 2007 = 54 Total Residential Sales Volume: November 2009 = $19,432,809; November 2008 = $12,819,750; November 2007 = $20,317,650 Total R... 12/08/2009

This is a first for me.  I can't believe it.  I went into the office early and got snowed in until early afternoon!  What fun!!!!! I am not sure when the last time it snowed here, but it hasn't been in the last 3 years.  It was great fun and made for some great pictures.   I wish I could have gotten out to my listings to take "snow" shots, but my cat couldn't even make it out of the parking lot.  LOL     12/07/2009

Bonnie Kappler | Coldwell Banker Lake Tulloch | (209)768-4477 5049 Little John, Copperopolis, CA Income producing duplex. Both sides rented. Ungraded interiors with great kitchens. 4BR/4BA Multi-Family, 2 units offered at $249,900 Year Built 1974 Sq Footage 2,400 Bedrooms 4 Bathrooms 4 full, 0 partial Floors 1 Parking Unspecified Lot Size .44 acres HOA/Maint $30 per month see additional photos below PROPERTY FEATURES - Central A/C - Central heat - Living room - Breakfast nook - Refrigerator - Stove/Oven - Granite countertop - Basement - Laundry area - inside - Yard COMMUNITY FEATURES - Fitness center - Lake - Playground OTHER SPECIAL FEATURES - docks and waterfront fun close by ADDITIONAL PHOTOS Income produdcerdining areakitchen with graniteWinter comfortfloor plansfrom the street Con... 11/29/2009

Bonnie Kappler | Coldwell Banker Lake Tulloch | (209)768-4477 4803 Pueblo Trail, Copperopolis, CA Wonderful upgraded custom home for the discriminating buyer 2BR/2BA Single Family House offered at $289,900 Year Built 2007 Sq Footage 1,235 Bedrooms 2 Bathrooms 2 full, 0 partial Floors 1 Parking Unspecified Lot Size .29 acres HOA/Maint $15 per month DESCRIPTION Custom home with upgraded everthing! Dark Cherry wood cabinets with under counter lighting and GE Provile appliances. Gas range with grill and plesig granite counters. Solid Hardwood floors with built in bookcases. Surround sound and gas fireplace with thermostat control. Master has flat screen wall hook-ups with cable and ceiling speakers. Lower level designed for additional living area with builders letter available. Spacious 80... 11/29/2009

Bonnie Kappler | Coldwell Banker Lake Tulloch | bonnie@bonnie21.com | (209)768-4477 412 Winchester, Copperopolis, CA Great lake view home at the lake. Come see this beautiful Lake Tulloch home. 3BR/2BA Single Family House offered at $244,000 Year Built 1988 Sq Footage 2,156 Bedrooms 3 Bathrooms 2 full, 0 partial Floors 2 Parking 2 Car garage Lot Size .150 acres HOA/Maint $80 per month DESCRIPTION Great views of the Lake! come see this special Poker flat charmer. This is one of the best priced homes in Poker flat with lots of extras. Newer flooring and upgrades. see additional photos below PROPERTY FEATURES - Hardwood floor - Tile floor - Living room - Dishwasher - Basement - Balcony, Deck, or Patio COMMUNITY FEATURES - Lake - Playground - Gated property - Secured entry OTHER SPECIAL FE... 11/29/2009

Bonnie Kappler | Coldwell Banker Lake Tulloch | bonnie@bonnie21.com | (209)768-4477 1204 Cheyenne, Copperopolis, CA Lake tulloch Ranch style home on over an acre. Comfortable and inviting. 3BR/2BA Single Family House offered at $449,900 Year Built 1988 Sq Footage 1,792 Bedrooms 3 Bathrooms 2 full, 0 partial Floors 1 Parking Unspecified Lot Size 1.2 acres HOA/Maint $15 per month DESCRIPTION Beautiful hill-top home with landscaping and lots of extras. Warm and inviting this 1.2 acre estate has it all. Lots of extras such as a large interior laundry room and beautiful rock wall fireplace area this home is ready and waiting for your family. LOts of space to park your RV, boat or other toys. Call today for a private showing. see additional photos below PROPERTY FEATURES - Central A/C - Cent... 11/28/2009

Bonnie Kappler | Coldwell Banker Lake Tulloch | bonnie@bonnie21.com | (209)768-4477 2040 Oak Creek, Copperopolis, CA Lake Tulloch & Saddle Creek's finest custom home. One of a kind! this beautful custon build craftsman home overlooks the 13th fairway of Saddle C 3BR/3BA Single Family House offered at $644,900 Year Built 2001 Sq Footage 2,470 Bedrooms 3 Bathrooms 3 full, 0 partial Floors 1 Parking Unspecified Lot Size .53 acres HOA/Maint $0 per month DESCRIPTION Lake Tulloch is close to both summer and winter activities. Come see the beautiful community of Copperopolis. see additional photos below PROPERTY FEATURES - Central A/C - Central heat - Fireplace - Walk-in closet - Tile floor - Living room - Office/Den - Dining room - Breakfast nook - Dishwasher - Refrigerator - Stove/Oven - Mi... 11/28/2009

                                  Come see one of the most beautiful places in California.  Lake Tulloch is located in Copperoplis California.  We got our name from the copper mining that went on in the area.  Our lake is one of the last lakes in California which allows building.  Many of our properties actually go out into the water.  The lake is both recreational and a suppository for rain water to help prevent flooding in the valley below. 11/22/2009

Well three more days to the close!  For those of you following my 12 day close story I have to say that I am total perplexed by banks.  This time the bank owned property zipped thru approvals and all inspections.  Then....  the buyers deposited their insurance check (fire burned their privious home) and their bank will not release funds until Tue.  They will have held their funds for two weeks and 1 day.  This was a pay off check from the insurnce company.  I tried to talk to the bank manager and she was no help at all.  Rules are Rules.  So the buyers will now not be in their home by Thanks giving.  To top it all off the title escrow company is closed thur-sun.   Oh well!! 11/21/2009

This has been one of those days that makes agents quit!  I have been working on an escrow for nine months.  The bank will not close.  They have had one reason after another.  I had a full price all cash offer $100,000 over appraised value.  I could not get the asset manager to call back or answer emails.  I kept getting messages asset manager out of office for next 3 weeks to a month.  No one covered for them and the bank didn't think it was necessary to put anyone in charge.  Then a week ago after 30+ emails that asset manager sent an email say they were no longer the asset manager and the new one was lllllll.  They also would not answer emails or phone calls.  After many attempts I was able to get someone on the phone in management who could not for two days get intouch with the asset... 11/17/2009

Just saw the signs on a store front around the corner where A-OK Consignment is moving to. (The old Librery I think. Some may think of a consignment shop as less than the best, but one step into Annie Osteema's warm and inviting consigment store is great and now will be in a larger space.  We can't wait to see the new store. Annie carries only quality clothing in like new condition. For a fun afternoon of shopping ANDsaving money, a visit to A-OK Consignment would be the thing to do. 11/17/2009

Copperopolis, CA...Here are the requirements to be a Veteran of Foreign War: Veterans signing up cannot belong to any other VFW Post. You are eligible if you have received a campaign medal for overseas service; served 30 consecutive days in Vietnam have served 30 consecutive or 60 non consecutive days in Korea; or have received hostile fire or have received imminent danger pay. You can be active military to join, as long as you meet one of the eligibility requirements......If interested please email your name, service affiliation and phone number to maness@caltel.com.To begin a new VFW post there must be a minimum of 25 interested members. When I have reached that goal I will contact all interested vets and supply them with a VFW Membership Application. Keep in mind you will need to sub... 11/15/2009

If you are in Northern California make sure to come out and race the Copperopolis road race in Milton on April 11th. The pros will go 105 miles, and the 2008/2009 Tour of California Champion Levi Leipheimer will be racing it. This is a unique chance to race the same course as one of cycling's best athletes.  I know Milton is not exactly Copperopolis, but it is very close. 11/15/2009