Thank you for visiting.  You must be looking for some information on reverse mortgages. My name is Deborah Nance (call me Debbie) and I have been a local Reverse Mortgage Specialist here in Riverside County since 2005.  I hope you will take some time to look around the links provided to gather some good information on this unique home loan. Then, I would love to meet with you to discuss whether or not a it is a solution for your needs. I’m a big fan of reverse mortgages BUT they are not always the best solution. There are really just two ways to get cash from your home. You could sell and move - or you could borrow against your home. If you move there are costs (Realtor® commission & settlement fees). If you borrowed against your home, you again have costs AND now have to make monthly l... 07/06/2012

Buying a Lake Hills Reserve Home can be a tricky process as the market has changed in the rolling hills of this desirable community. The real estate sales are no longer dominated by the distressed properties but now standard sales are equally represented. Standard sales are listings in which the homeowner has equity in the property. They are not upside down and they do not owe more than the property is worth. Therefore they can (and often do) command top dollars for their homes. It is not unusual to find this type of property generating multiple offers if it is well-priced and well maintained. Investor flips are another type of standard sale which may cause a more cumbersome loan process for the buyer. It is important to identify this type of transaction early as FHA loan may require tw... 07/03/2012

Selling a home in Lake Hills Reserve is a strategic/creative process. Timing, marketing, presentation and negotiation are a few on the components considered when placing your home on the market.  Now is a great time for selling a home in Lake Hills Reserve. Inventory levels are low - California has four months of inventory according to California Association of Realtors. (More than 6 months is considered a buyer's market while less than 6 months is a seller's market.) Interest rates remain low and buyers have decided to get off the fence and purchase now. Bidding wars, multiple offers and above list price offers are becoming common for well-priced homes throughout the Inland Empire.  Marketing, while selling a home in Lake Hills Reserve, is very important. I like to work with the seller... 07/02/2012

The Lake Hills Reserve Homes are within a masterplanned community offering entry level, mid level and luxury homes consisting of new and newer homes. The mountain top community is set among a 750 acre reserve boasting  500 acres of dedicated green space, parks, walking paths, a resident's club and a community school - Lake Hills elementary school. The private resident's club provides a community swimming pool, playground and an open-air fireplace pavilion.   Panoramic mountain and city views are part of the allure of this mountain top community, Lake Hills Reserve Homes. The community, which was built in phases, offers home ranging from 2498 square feet to 5411 square feet. The single-story and two story homes offer 3 to 7 bedrooms. Optional room selections personalize Lake Hills Reserv... 07/01/2012

Selling homes in Orangecrest Riverside has changed dramatically in the last several months. The pendulum is shifting and it is once again a seller's market, (for now!) Three types of sales dominate the market. Standard sales, short sales and bank owned sales. Last month's sales reflected a even distribution between all three types. Despite the fierce competition among buyers selling homes in Orangecrest Riverside continues to be strategic process and seller's aware of the formulas are witnessing multiple offer situations, bidding wars and above list price sales. Standard seller's are homeowner's who posses equity (the current market value is greater than what is owed on the property.)  When the property is marketed correctly and strategically introduced to the public a buzz is generated... 07/01/2012

Riverwalk Vista - Riverside New Home Community was once a deserted ghost town seated above the 91 fwy. It is now a thriving resort style, gated community which offers nine floorplans within three distinct neighborhoods. The community, which opened last summer, is conveniently located near the Metrolink and freeways. Providing homeowners commuting to Orange county or Los Angeles easy access. The bluff side location offers residents beautiful city and mountain views amidst greenbelts, walking paths and parks. The crown jewel of Riverwalk Vista is the expansive recreation center which provides a resort style pool with a beautiful waterfall, lush green lawns, outdoor entertaining pavilion and barbecue area. (Wonder if you'll be able to see fourth of July fireworks?) TriPointe Homes and Arti... 06/30/2012

Orangecrest Riverside Homes - oranges, families and palm trees. A relatively young community named for the orange groves and citrus industry, it is a master-planned community expanding over 2500 acres. Builders offered a variety of floor-plans with entry, mid and luxury home offerings. New construction continues today. The area boasts several distinguished schools ML King High School, Woodcrest Christian Middle and High School, Amelia Earhart Middle School, Mark Twain, Tomas Riveria, Franklin and John F Kennedy elementary schools. Recreational activities are found in the neighborhoods three parks with the newest edition Orange Terrace Park - a thirty acre park with a community center and library. Riverside also holds the honor of being designated a national playful city. Orangecrest Riv... 06/30/2012

Be a Responsible Pet Owner in the Heat This Summer   We hear all the articles on the news about someone leaving their dog or even their baby in the car in 110 degree heat and we shake our heads. Most of these situations turn out really bad and usually fatal. Being stupid and going to prison are unpleasant situations plus the guilt would be unbearable. Sad thing is that this occurs way too often in the US so here are few reminders for us all.   1.    In the summer, do not leave your pets alone in the car…just leave them at home. Cars can get up to 120 degrees and cause heat stroke or death.   2.   At home, make sure your pets have plenty of water inside and out daily.   3.   Do not leave your pets outside if there is no shade or water nearby.   4.   The asphalt can burn the pads on their... 06/20/2012

Kicking Off Summer with the free Concerts in the Park Series Summer has arrived but rather than considering Memorial day as the official start of summer, for me it's the Summer Concert series. This is the 17th season of Summer Concerts in the Park which kicks-off on Friday June 25th. Los Angeles has the Hollywood Bowl and here in Riverside, CA we jumpstart summer at the California Citrus Sate Historic Park Amphitheaterwith the Free Summer Concerts in the Park. I received a call the other day asking when I would post the free concert schedule. Enjoying my role as your ever vigilant Realtor seeking fun events and activities to share in my "Local Flavor" blog, I was happy to comply. Well by popular request I am providing the schedule for our Free Summer Concerts in the Park event located a... 06/17/2012

Orangecrest Riverside Real Estate Update - June 2012 We are half way through the year and witnessing interesting changes in the real estate landscape! Big news here...Orangecrest is hot! Multiple offers, bidding wars and a low inventory. Orangecrest Riverside is a masterplanned community with homes built from the 1980's forward. New construction continues building in the area. A typical tract community the homes are often personalized through creative landscaping, hardscaping and outdoor entertainment areas. The area park hosts the junior league baseball team and a community center houses meeting rooms and a library.The widely recognized school district has been the recipient of several awards and statewide recognition. Active Listings: 12 (4 Short Sales, 4 Standard Sales, 4 REO's) Pend... 06/11/2012

C.A.R. warns all consumers that are hiring someone in California to assist them in buying or selling real estate to make sure they are a Realtor® and not just a real estate agent. Inquiring consumers can log on to the Dept. of Real Estate and check the name to make sure their agent is actively licensed. C.A.R. is currently running television and radio ads emphasizing that consumers have a choice when selecting an agent to represent them, which REALTORS® subscribe to a strict code of ethics, and that consumers are more likely to get results when working with a REALTOR®.  Be suspicious if an agent agrees to list your home and take a commission below 6 Percent (3 and 3). Most Realtors® are full service agents and do charge a higher commission. There is a good reason for this. Realtors® wil... 06/10/2012

Lake Hills Reserve Riverside June Real Estate  We are half way through 2012, a year that is witnessing interesting changes in the real estate landscape. The big news in the Lake Hills Reserve is new construction! Wait until you see the numbers. Located in a beautiful hill top community Lake Hills Reserve consists of new and newer homes. The 750 acre masterplanned reserve is set among the rolling hills of west Riverside bordering on the city of Corona. Boasting a new elementary school, community pool and several parks the community combines a rural type living (expansive lots) with easy access to Orange County and the Inland Empire. Active Listings: 10 (7 Standard Sales - 3 New Construction -, 5 Short Sales) Pending Sales: 8 (4 Standard Sales, 4 Short Sales) Closed Sales: 10 (9 Standard ... 06/09/2012

Lloyd Cullen Real Estate is a local Riverside Certified Distressed Property Expert . As a Riverside Short Sale Company that specializes in short sales, you are assured the highest standard of professionalism and can always count on our Riverside Certified Distressed Property Experts to help answer any questions you have in regards to Riverside Short Sales. Riverside Certified Distressed Property Expert Lloyd Cullen is a local Riverside Short Sale Expert with experienced Riverside Short Sale Agents here to assist you.   Riverside Certified Distressed Property Expert We specialize in Short Sales for Riverside and Surrounding Areas Do you have all of your Riverside short sale documentation in place for your upcoming Riverside short sale? Are you looking for help in figuring out what your n... 06/01/2012

Lloyd Cullen Real Estate is a local Riverside Short Sale Expert. As a Riverside Short Sale Company that specializes in short sales, you are assured the highest standard of professionalism and can always count on our Riverside Short Sale Realtor to help answer any questions you have in regards to Riverside Short Sales. Short Sale Riverside CA Lloyd Cullen is a local Riverside Short Sale Expert with experienced Riverside Short Sale Agents here to assist you.   Short Sale Riverside CA We specialize in Short Sales for Riverside and Surrounding Areas Short selling your Riverside home does not have to be such a scary process. You have come to the right place to talk to a qualified and educated Riverside Short Sale Expert at Lloyd Cullen Real Estate to take the fear and uncertainty out of the ... 05/31/2012

Lloyd Cullen Real Estate is a local Eastvale Short Sale Expert. As a Eastvale Short Sale Company that specializes in short sales, you are assured the highest standard of professionalism and can always count on our Eastvale Short Sale Realtor to help answer any questions you have in regards to Eastvale Short Sales. Short Sale Eastvale CA Lloyd Cullen is a local Eastvale Short Sale Expert with experienced Eastvale Short Sale Agents here to assist you.   Short Sale Eastvale CA We specialize in Short Sales for Eastvale and Surrounding Areas Eastvale Foreclosure vs. Short Sale can be a difficult subject to grasp if you are not familiar with the real estate market. Fortunately, for you, you wont have to hit a brick wall trying to figure it out. Here at Lloyd Cullen Real Estate, let our Eastva... 05/31/2012

Lloyd Cullen Real Estate is a local Bermuda Dunes Short Sale Realtor. As a Bermuda Dunes Short Sale Company that specializes in short sales, you are assured the highest standard of professionalism and can always count on our Bermuda Dunes Short Sale Realtor to help answer any questions you have in regards to Bermuda Dunes Short Sales. Bermuda Dunes Short Sale Realtor Lloyd Cullen is a local Bermuda Dunes Short Sale Expert with experienced Bermuda Dunes Short Sale Agents here to assist you.   Bermuda Dunes Short Sale Realtor We specialize in Short Sales for Bermuda Dunes and Surrounding Areas We have all dealt with companies that are gung ho in the beginning of a deal to gain your confidence and business, but as the time goes on it seems that their attention is not focused on you. At Llo... 05/29/2012

One of the most important features of a home for buyers is storage. Buyers like huge closets. Be sure the closets are over half empty and uncluttered or they will think that they have more stuff than you do and will not like the house. Buyers like a nice curb appeal. Plant red, pick, and yellow flowers to attract buyers and a good feeling before entering the house. Buyers like a nice kitchen with lots of cabinets and a pantry for plenty of storage. Newer and high end appliances are important. Mountain and/or golf course view These are the keys. Other bonus items for buyers: 3 car garage fireplace built in BBQ area quiet area pool and spa putting green - artificial turf ceiling fans wet bar media center 05/27/2012

Buy multifunctional pieces such as cocktail tables that can be stools and ottomans that can hold storage Don't have too many contrasting colors because it makes the room look busier and smaller Keep the clutter down - nothing makes a space look smaller than a bunch of random knickknacks on surfaces Use your wall space. If you don't have a ton of other areas for accessories, don't forget that you can hang objects that you love in shadow boxes on the walls as art 05/27/2012

Lloyd Cullen Real Estate is a local Riverside Short Sale Specialist. As a Riverside Short Sale Company that specializes in short sales, you are assured the highest standard of professionalism and can always count on our Riverside Short Sale Expert to help answer any questions you have in regards to Riverside Short Sales. Riverside Short Sale Specialist Lloyd Cullen is a local Riverside Short Sale Expert with experienced Riverside Short Sale Agents here to assist you.   Riverside Short Sale Specialist We specialize in Short Sales for Riverside and Surrounding Areas Sometimes you cannot help the financial situation that end up in, but you can take care of it the best way you can. Contacting a Riverside Short Sale Specialist at Lloyd Cullen Real Estate can give you the sigh of relief that ... 05/20/2012

Lloyd Cullen Real Estate is a local Riverside Short Sale Realtor. As a Riverside Short Sale Company that specializes in short sales, you are assured the highest standard of professionalism and can always count on our Riverside Short Sale Expert to help answer any questions you have in regards to Riverside Short Sales. Riverside Short Sale Realtor Lloyd Cullen is a local Riverside Short Sale Expert with experienced Riverside Short Sale Agents here to assist you.   Riverside Short Sale Realtor We specialize in Short Sales for Riverside and Surrounding Areas At Lloyd Cullen Real Estate, our Riverside Short Sale Realtor is available to you when you are facing the possibility of short selling your Riverside home. The thought may leave you feeling like you have your hands tied behind your bac... 05/20/2012