Upside down??.... on your home loan in Escondido? Need to call an ESCONDIDO SHORT SALE REALTOR?          If you know what a short sale is, and you are in Escondido, you might be the one who needs to hire an ESCONDIDO SHORT SALE REALTOR. If you are curious about selling your home in Escondido and you owe more than your home is worth, you might want to inquire to see if you qualify to pull off an ESCONDIDO SHORT SALE.            SEARCH ESCONDIDO HOMES FOR SALE OR ESCONDIDO SHORT SALES HERE 02/18/2009

With all the foreclosures and mortgage rates in today's economy it is important to do whatever you can to have that edge over the competion. That is why focusing on reo,forclosure,property and eviction clean outs are more important than ever. It is hard enough to show a house that is in poor condition, let alone one that has lots of junk left behind and tons of landscape damage. In San Diego especially, it is important that your property is not an eye sore. That is why ACE Hauling and Demolition is a great service to have on your side. With over 9 years of demolition and hauling experience in commercial and residetial areas, ACE Hauling has the most to offer in service and price. They strive for integrity and their quality of work reflects it. Whether you have small items or large ones,... 02/05/2009

Escondido is a sensational community nestled in an extensive valley within the coastal mountains of Southern California. With an estimated population of 140,505 residents, Escondido offers a bustling urban community surrounded by gentle rolling hills and citrus and avocado groves. Settling about 30 miles northeast of San Diego, and 100 miles south of Los Angeles, Escondido is considered the heart of San Diego North. Escondido has endured a rich and diverse history. Archaeologists estimate that the first ancient human occupants came to this area over 10,000 years ago. Several Native American Indians tribes over the last 1,000 years have also called this area home. In turn, Spanish colonization replaced many of the tribal villages in the early 1800s. On December 6, 1846 the course of his... 01/29/2009

If you are interested in hiking with great views, and enjoy a few hours out in the Southern California weather, Elfin Forest is worth checking out. Elfin Forest is a rural community just east of San Elijo Hills in San Marcos, and extending into the western part of Escondido. This is a residential area characterized by large parcels of land and homes set back from the winding 2-lane road, lots of horses, and plenty of open space, hills, and chaparral. The Elfin Forest Recreational Preserve is a 760-acre open space day use park that has been developed by the Olivenhain Municipal Water District. There are 14 miles of trails (which allow horse back riding, hikers, mountain biking and dogs) to enjoy, and spectacular views in all directions (including the ocean, about 12 miles away, and the ... 01/19/2009

CLICK TO VIEW LISTING WEBSITE Description and Features Express Junk Removal, Trash Hauling & Demolition offers a wide variety of services for all San Diego Residents, Landscapers, Real Estate Agents. Express Junk Removal is a family owned & operated hauling & demolition company with over 13 years of experience. Links EXPRESS WEBSITEPRICE LISTBOOK ONLINE & SAVEListing VideoListing Website 01/05/2009

Please add my cell number760/271-9242to your cell phone under Notary.You never know when you need meI meet you any place - any time! to email us:   Member National Notary AssociationBonded, licensed and insuredfor your protection!   SAVE GASOLINE SAVE TIME SAVE MONEY I COME TO YOU !!           RATES FROM $5.00/SIGNATURE WE ALSO OFFER APOSTILLE SERVICE - FAST AND DISCOUNTS   I KNOW I CAN SAVE YOU MONEY PLEASE CALL OR E-MAIL FOR AN ESTIMATE   Background checked Discount for multiple signatures Thousands of notarizations performed Available 24/7 Apostilles - many times same day (notary fee usually included) Most documents and escrow/loan papers Covering San Diego, Orange and Los Angeles County Will go to San Diego County jails and hospitals Seniors and veterans welcome   Phone: 760.753.79... 01/04/2009

Please add my cell number760/271-9242to your cell phone under Notary.You never know when you need meI meet you any place - any time! to email us:   Member National Notary AssociationBonded, licensed and insuredfor your protection!   SAVE GASOLINE SAVE TIME SAVE MONEY I COME TO YOU !!           RATES FROM $5.00/SIGNATURE WE ALSO OFFER APOSTILLE SERVICE - FAST AND DISCOUNTS   I KNOW I CAN SAVE YOU MONEY PLEASE CALL OR E-MAIL FOR AN ESTIMATE   Background checked Discount for multiple signatures Thousands of notarizations performed Available 24/7 Apostilles - many times same day (notary fee usually included) Most documents and escrow/loan papers Covering San Diego, Orange and Los Angeles County Will go to San Diego County jails and hospitals Seniors and veterans welcome   Phone: 760.753.79... 01/04/2009

Please add my cell number760/271-9242to your cell phone under Notary.You never know when you need meI meet you any place - any time! to email us:   Member National Notary AssociationBonded, licensed and insuredfor your protection!   SAVE GASOLINE SAVE TIME SAVE MONEY I COME TO YOU !!           RATES FROM $5.00/SIGNATURE WE ALSO OFFER APOSTILLE SERVICE - FAST AND DISCOUNTS   I KNOW I CAN SAVE YOU MONEY PLEASE CALL OR E-MAIL FOR AN ESTIMATE   Background checked Discount for multiple signatures Thousands of notarizations performed Available 24/7 Apostilles - many times same day (notary fee usually included) Most documents and escrow/loan papers Covering San Diego, Orange and Los Angeles County Will go to San Diego County jails and hospitals Seniors and veterans welcome   Phone: 760.753.79... 01/04/2009

First Night celebrations have become popular around the country in many communities, some with traditions that have lasted for years. Certainly the one in Times Square, NYC is the most famous, and enjoyed by millions live and via TV. [click photo for link to the website] Escondido, an inland community about 30 minutes from the coast has one of the biggest First Night celebrations in the San Diego area, short of the one downtown. This year is the 14th annual event, with activities and music beginning at 6 PM and lasting until midnight. The event is alcohol-free and great fun for everyone, including kids. The First Night celebrations take place in two venues - the California Center for the Arts, and Grape Day park. The fireworks shows takes place at 9 and Midnight (it was canceled last ye... 12/29/2008

Are your Dryer Ducts Aluminum or Vinyl?   Have you looked at the ductwork attached to your clothes dryer?  Is it aluminum, or plastic or vinyl?  This is important to know.  Recent UL safety codes require solid metal or semi-rigid material be used for the dryer duct system.  To understand why this is, consider the function of the dryer vent system:    Heat Removal   The hot air and moisture removed from your laundry is removed from the dryer drum and carried through the dryer duct system to a vent located outdoors.  State law recommends that all gas dryers be vented outside.   Lint Removal   Another function of the dryer vent system is to remove the lint that is produced by your laundry as it dries.  Most of the lint is caught in the lint screen; however, some does end up in the dryer du... 12/16/2008

The ECM Mission The mission of the Escondido Children's Museum is to inspire children to learn about our world through exploration, imagination, and experimentation. The Escondido Children's Museumis a wonderful place of inspiration for young children.  The 4500 square foot Children's Museum is located the Grape Day Park at 380 N. Escondido Blvd and is open 5 days a week. Tuesday, Thursday, Saturday: 10 am to 3 pm Wednesday,Friday: 12 noon to 4 pm (closed Sunday and Monday)                                                   The Museum has many different interactive exhibits that help to teach our youngsters.  There is an indoor Wildlife treehouse with exhibits of native plants and animals.  There is also an "Understand the Fires" exhibit, which presents information about fires in an edu... 10/27/2008

Huge headlines, scary story lines, and big government moving at breakneck speed to shore up our economic backbone.  You are undoubtedly hearing about an eminent and massive move by the Federal government to finally get its arms around the national, indeed global, financial crisis. The latest courtesy of my friend and Branch Manager Paul Gonzalez at our sister company CW Mortgage.   We are writing to you today to briefly shed some light on what this may mean to you and I.  It will be historic, with nothing in our Nation’s history to compare to it.  And this is going to happen literally in a matter of days.   The Federal government appears to be preparing a new entity that will purchase most, if not all, bad mortgages that are currently on the books of lenders and banks, and possibly Fann... 09/20/2008

Brookside Escondido continues to be a wonderful value! Located in North Escondido and adjacent to Reidy Creek golf course, Brookside is a gated community of 262 homes. This neighborhood is a fabulous value for anyone looking for large homes (from 2550 square feet up to over 3600 square feet), both single story and two story, large lots (minimum lot size in Brookside is 10,000 square feet) and lots of other amenities. It's also a gated community, with walking trails, low homeowner fees, and no mello roos! Below you'll see a chart (click on it to see a larger version) that shows the current listings and the five most recent sales. There are a few "Bank Owned" homes, and a couple of short sales as well. If you would like more information on Brookside, please call or email us. We not only l... 09/11/2008

Dating back to the turn of the century, Escondido's Grape Day originated in 1908 to celebrate the area's number one crop, grapes. When: 9:30 a.m. to 5 p.m. Saturday Where: Festival in Grape Day Park, 321 N. Broadway. Parade begins at 9:30 a.m., on Grand Avenue from Escondido Boulevard to Juniper Street. What: Grape stomping, free grapes for eating, arts and crafts, food court, fun zone and bake sale. In it's heyday, the Grape Day Parade was almost as popular as Pasadena's Rose Parade. If you are looking for a slice of history, packaged as good old fashioned family fun, then don't miss the Grape Day Festival and Parade. 09/05/2008

NEW FHA MORTGAGE CALCULATOR Shops Lenders for Lowest Rate: 30 year Fixed 1 Year Fixed Adjustable Rate 3 Year Fixed Adjustable Rate 5 Year Fixed Adjustable Rate 203(k) Rehabilitation Mortgage Calculates: Maximum Loan Amount for every County in the USA Loan amount and Mortgage Insurance Total Housing Expense     (Principal & Interest, Taxes, Insurance, Mortgage Insurance) Total Cost to Close Buyers Minimum 3% Investment Seller's Maximum 6% Contribution FHA Mortgage Calculator: http://www.themtgmentor.com/FHA_Mortgage_Calculator.html Market and Lending Updates: http://www.YourFhaGuru.com 08/30/2008

Home prices may be stabilizing Freddie Mac announced Thursday that its Conventional Mortgage Home Price Index (CMHPI) for purchases registered a modest 0.4 percent annualized decline in U.S. home values during the second quarter of 2008, following a downward revised 10.8 percent annualized drop in the first quarter. Bill Ladewig Market and Lending updates: http://www.YourFhaGuru.com 08/30/2008

August 30, 2008 Fannie Mae rule change on Buy and Bail:  If borrower retains current residence and purchases a new residence the following will apply: Borrower no longer needs to have 6 months reserves.  Lender will only need to verify what the DU approves the borrower with in verified assets.  Lender will still need to see 30% equity in the current property or must be able to qualify with both payments.  The lender also will need borrower to state what the intention is for their current property.  If renting, must provide evidence its rented or it is listed for rental.  This information needs to be reflected on the 1003 or a letter of intent needs to be in the file as the lender may not assume this material fact.   Good stuff for the right borrower!   Market and Lending updates: http:/... 08/30/2008

NEW FHA MORTGAGE CALCULATOR Shops Lenders for Lowest Rate: 30 year Fixed 1 Year Fixed Adjustable Rate 3 Year Fixed Adjustable Rate 5 Year Fixed Adjustable Rate 203(k) Rehabilitation Mortgage Calculates: Maximum Loan Amount for every County in the USA Loan amount and Mortgage Insurance Total Housing Expense     (Principal & Interest, Taxes, Insurance, Mortgage Insurance) Total Cost to Close Buyers Minimum 3% Investment Seller's Maximum 6% Contribution FHA Mortgage Calculator: http://www.themtgmentor.com/FHA_Mortgage_Calculator.html Market and Lending Updates: http://www.YourFhaGuru.com   08/29/2008

Mortgage Rates Down slightly this morningADVICE:  Lock Rates on today's down tick.MBS yields are currently at the bottom of established trading trend so the probability of rates increasing is high. FNMA 30Yr Mortgage Backed Securities (MBS) down 3.7 basis points* to 6.123%.  10 Year T-Bill Down 1 basis pts to 3.81% DJI Stocks  Up 140 in early trading. Crude Oil currently $118.26 per barrel *A Basis Point is 1/100 of a percent. Reverse Mortgage Broker Fee in Dispute 2008 Housing Bill eliminates 25% Fee to Brokers Not approved by FHA   10 Ways to Avoid A Closing Nightmare An easy list that will make your life easier   DPA May Not Be Dead! New Bipartisan Legislation Introduced   $7,500 First Time Buyer Tax Credit Up to $7,500 can be borrowed from IRS Market and Lending updates: http://www.... 08/28/2008

No More FHA Non-Allowable Closing Costs This is really, really old news.  FHA did away with their list of FHA Non-Allowable Closing Costs in June of 2006 but the question keeps coming up.  The only FHA Closing Cost that must be paid by the seller is the Tax Service Fee. Many banks reject FHA offers because they are using outdated information. When your REO buyers require FHA financing be sure to let the bank know that buyers and sellers pay their own FHA Closing Costs with the exception of the Tax Service Fee which normally runs about $80.00.  AND... The Banks should also be notified that FHA no longer requires a long list of repairs.  ONLY health and safety issues will be required. AND... If there are a lot of repairs the FHA 203k rehabilitation loan will allow the property to be purch... 08/26/2008