Santa Rosa, CA Real Estate News

By Linda D. Pufford, ASPM, Marin/Sonoma Home Stager
(Stage with Divine Style - Home Staging)
    So I recently had a home owner who hired us to Stage her Semi Custom Single Level Home home but would not allow us to hang anything.   To compensate we brought in tall plants.         We also brought in tall furnishings.       We where able to hang curtains.   What would you do?
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By Linda D. Pufford, ASPM, Marin/Sonoma Home Stager
(Stage with Divine Style - Home Staging)
With Divine Style was founded in 2005 by Linda D. Pufford. Linda started her business as a Professional Organizer and Interior Designer in 1988. Growing up Linda was surrounded by interior designers so she took naturally to interior design but it wasn’t until the passing of a family friend in 2002 that Linda discovered the art of Home Staging. Not knowing anything about Home Staging, Linda turned to books and shows on HDTV to guide the way. Once the home was staged it sold in just 2 weeks! Thus began her career in home Staging.Since then Linda has gone on to become an Accredited Staging Professional Master and in 2008 she was nominated for the Barb Swartz Home Staging Excellence Award.  Certifications and Associations:•    Affiliate Member of NORBAR and Women’s Council of Realtors Marin...
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By Linda D. Pufford, ASPM, Marin/Sonoma Home Stager
(Stage with Divine Style - Home Staging)
I am in the process of preparing my website and one of the services I provide is Professional Organizing. So if anybody has time to make some comments or suggestions it would be appreciated.Professional Organizing is the art of developing systems that are custom tailored to your personality and natural organization style. The goal of professional organizing is to provide long term results. How the process works: Step 1. We perform an over the phone intake to help assess your needs for services. Step 2. For a set fee we come to your home or office and help you develop a plan to get organized. Step 3. Then for an additional set fee we come into your home and implement the plan. All work is preformed with you the client and is implemented in 4 hour intervals. In order to make the results o...
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By Scott Dovala, Santa Rosa Mortgage and Home Loans
(Ascent Home Loans)
Today the Senate defeated the anti-foreclosure bill 45-51/ The bill was intended to help homeowners keep their homes through the bankruptcy courts. In the bill was the so called cram down provision that allowed bankruptcy judges to reduce the principal on borrower's mortgages. This in turn would have put pressure on the loan servicers to modify the loans prior to borrower's filing for bankruptcy. Although some analysts have been stating that foreclosure have been slowing, in fact today's report showed that servicers have begun 290,000 new foreclosure proceedings against borrowers. This is a record high in foreclosure filings since foreclosures had started to be tracked in 2007. If your current situation may be causing you to think that down the road you too may be headed for foreclosure...
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By Linda D. Pufford, ASPM, Marin/Sonoma Home Stager
(Stage with Divine Style - Home Staging)
So I am in the process of developing my website and am attempting to come up with catchy verb age to describe the services I offer. Does anyone have a suggestion?Wording for Real Estate Home Staging Page:Curb Appeal Home Staging (Free In Home Estimates)•    Your home may have what it takes on the inside to sell but if your outside is not in great shape it will be difficult to get buyers in the door. From the front yard to the back 40 we can develop a plan that is sure to make your house the hottest item on the block with out breaking the bank. Vacant Home Staging (Free In Home Estimates)•    Design an Interior and Exterior Floor Plan for the entire home. •    Make recommendation of necessary preparations before staging. (i.e. paint, carpet cleaning, landscape design, ect.)•    Bring in ...
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By Scott Dovala, Santa Rosa Mortgage and Home Loans
(Ascent Home Loans)
For many borrowers it has been a long and hard road over the past months to try to refinance their homes. Credit has been tight, mortgage companies are making it harder every day to qualify for a loan, and some borrower's mortgages are more than their homes are worth. But now there may be some relief for many borrowers. As part of the Home Affordable Act, Fannie Mae has introduced the Fannie Mae Refi Plus program. The Refi Plus program is designed to help borrowers who are current on their monthly mortgage payments, but may benefit from refinancing into a mortgage with better terms and a lower payment. Who can benefit from the Refi Plus Program? Borrowers trying to refinance out of an adjustable rate mortgage, or a borrower looking to lower their monthly payment. Another important benef...
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By kathleen bonham
(FHAllen, Sonoma Country and Vintage)
REALTORS - AMBASSADORS FOR ENERGY EFFICIENCY? Sonoma County has recently announced a community action plan to generate discussion and education about the issues and challenges we face in dealing with the impact of global climate change. We are very proud of our county for initiating this undertaking as many "talk" about what needs to be "done" but few implement the difficult tasks necessary to change. I was happy to attend a meeting sponsored by the county to promote the involvement of Eco-Green certified real estate agents in this enterprise. This is NOT going to be an easy fix and most of us know it. What we need is leadership and direction and the real estate community can be a part of it. Here are the main points discussed at the meeting. 1. Home Energy Rating Service (HERS).. The H...
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By kathleen bonham
(FHAllen, Sonoma Country and Vintage)
   VINTAGE HOMES - MORE THAN JUST CHARMING! My first vintage home was a 1917 Edwardian built in the inner Richmond district in San Francisco. Since then I have owned 10 homes and renovated 6 of them, all of which were vintage. This may be considered an indicator of high mobility or mental derangement! Obviously I find homes of earlier historical periods appealing for their architectural and aesthetic character. But I have come to realize that they offer other advantages as well. In earlier times large, spacious homes and amenities were built exclusively for the economic and social elite. Homes for the majority of the population, if they owned a home at all, were simply built and much smaller in scale. Given what we now know about climate change the need to conserve energy and lower our...
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By kathleen bonham
(FHAllen, Sonoma Country and Vintage)
WILL BANKS BALK AT LOWERING MORTGAGE RATES?     Some reporters and analyst in the financial media are now saying mortgage rates will not decline appreciably despite the feds purchase of another trillion dollars in mortgage backed securities and federal debt. According to these sources banks have no incentive to pass through the lower interest rates to consumers, home buyers and other creditors because they are already doing a brisk refinancing and loan origination business at current historically low rates.Iit may be in this view to keep the spread between what they pay for funds and what they charge for funds as wide as possible in order to restore their balance sheets to better health. All this may seem logical from the point of view of the banks immediate financial interest. But it ...
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By Lynn Bowen, Lynn Bowen Broker Associate, Realtor®, CRS
(Artisan Sotheby's International Realty)
With so many questions about what is selling and what is not and what prices these listings are selling for I figured I would start posting current market statistics.   This page contains local sales stats for Santa Rosa California Real Estate?   Following are the stats for the February 2009 market as well as what is currently available in the Santa Rosa residential real estate market.    Residential meaning, Single Family Homes as well as Condos Farms/Ranches. As of Today March 17, 2009 Santa Rosa has the following: 1127 Active Listings with: List Price Range $65,500 -  $10,900,000  Average List Price $475,691  Median List Price $300,000  Of these 1127 listings, 305 are Bank Owned aka REO or Foreclosure properties & 470 are Short Sales Out of these 1127 Listings, 499 are in Escrow in t...
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By kathleen bonham
(FHAllen, Sonoma Country and Vintage)
  The administration's plan for stemming the tide of foreclosures that has been drowning the housing market and threatening the entire economy has several elements. But its focus is on loan modification for homeowners who are under extreme financial stress or hold underwater mortgages. In essence, it provides a framework of rules and incentives to; (1) encourage lenders and servicers to reduce the monthly mortgage payments of homeowners whose mortgage debt is too high as a proportion of monthly income or whose mortgages are "under-water;" and (2) and make refinancing available to homeowners whose loan - to - value is less than 80% through Fannie Mae and Freddie Mac. This plan has sparked spirited debate among housing experts for its scope and workability. In the plus column the imitativ...
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By Gil Garcia, Rohnert Park,CA Real Estate
(Prudential California Realty)
  Mega Open House  Sunday 3/8/09 1-4pm    2805 Marlow Ct Santa Rosa, CA 95403 $569,000 Room for Everyone! Cooks will love the spacious country kitchen w/ high-end appliances. Inlaid hardwood floors and tile make maintaining this meticulous home a breeze. Sunroom and living area wired for sound. Artist/hobbyist-checkout detached heated studio & attached garage workshop. Entertainment sized patio. Lge lot is a gardners paradise w/ raised beds & extensive sprinkler system. Close to schools. Enjoy nature walks along Piner Creek Trail. Directions: From Guerneville Rd go north on Marlow Rd, left at signal for Marlow Ct & W. Steele Lane.    ML#:20834687 Year Built: 1960  Other Structures Out Building(s)  Property Type Residential  Fireplace Yes  Property SubType Single Family  Yard/Grounds Gar...
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By Lynn Bowen, Lynn Bowen Broker Associate, Realtor®, CRS
(Artisan Sotheby's International Realty)
With so many questions about what is selling and what is not and what prices these listings are selling for I figured I would start posting current market statistics.   This page contains local sales stats for Santa Rosa California Real Estate?   Following are the stats for the January 2009 market as well as what is currently available in the Santa Rosa residential real estate market.    Residential meaning, Single Family Homes as well as Condos Farms/Ranches. As of Today February 28, 2009 Santa Rosa has the following: 1121 Active Listings: List Price Range $70,000  -  $10,900 Average List Price $467,776 Median List Price $300,000 Of these 1121 listings, 312 are Bank Owned aka REO or Foreclosure properties & 469 are Short Sales 453 Listings In Escrow in "Contingent" status: List Price R...
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By Scott Dovala, Santa Rosa Mortgage and Home Loans
(Ascent Home Loans)
  “Seize the day, and put the least possible trust in tomorrow.”  Horace quotes (Ancient Roman Poet. 65 BC) The above words were never more true in today's mortgage climate. As I mentioned in my previous blog, "Refinance and Purchase Why Not Wait?", I explained why it was not wise to wait to lock in a rate at this time. But there are many of you who are still on the fence, debating with yourself whether this is the time to lock your interest rate.  If you are in the market to refinance, I am sure over the past weeks you have been getting quotes from various lenders. Go back and look at those rate quotes and do your own research. You will see that if you compare those quotes with the current markets they are considerably different. Rates are nearly 3/4 to almost 1 point higher in some in...
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By Scott Dovala, Santa Rosa Mortgage and Home Loans
(Ascent Home Loans)
Every month the mortgage industry and also the federal government report whether mortgage applications have increased or decreased. Since the government has started purchasing loans, interest rates have fallen into the mid 4 to 5% range. This has brought about the opportunity many have been waiting for to refinance out from under their option arm mortgage or those that have high interest 30 year fixed loan. It has also given many potential borrowers the chance to buy that dream home they have been eying for months. So why not wait a little longer to see if rates will drop further? What a borrower who may want to refinance or purchase a home must realize is how it stands right now. The government will only be purchasing loans until June of this year. Unless something changes once June ro...
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By Scott Dovala, Santa Rosa Mortgage and Home Loans
(Ascent Home Loans)
Many of you may remember or many of you may have not even known that months ago when the Fed issued the statement that they would be taking over Fannie Mae and Freddie Mac that interest rates dropped 5/8 to 3/4 of a point over night.  That had been a drop from 6.50% to 5.25%. Unfortunately, it only lasted 4 days and many borrowers felt they had missed out on the short lived opportunity. However, last week when the Fed announced they were going to buy up to $100 billion in Fannie/Freddie debt and $500 billion of mortgage backed securities backed by Fannie, Freddie and GNMA, interest rates once again dropped down to levels of 5.125% to 5.50% for 30 year fixed. For those that missed on out on refinancing, now is the time to take advantage of this drop. If you have a interest rate that is a...
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By Rhonda Nole
(Dryer Vent Wizard of the Greater North Bay Area)
Dryer Vent Wizard was Awarded Diamond Certified Professional Status by the American Ratings Corporation      Dryer Vent Wizard of the Greater North Bay Area inspects, cleans, repairs, and installs dryer vents in residential and commercial buildings. Local owner Rhonda Nole has a background as a Systems Engineer and contributes all of her successes to her dedication to customer service and knowing her services have benefited her many happy clients. Many people take for granted the mechanical function that their dryer vent provides or the importance of regular maintenance. The number one reason is fire safety. The National Fire Protection Agency and FEMA both report that more than 15,000 reported fires occur each year due to dryer fires. Energy savings of 18% to 24% a year due to decrease...
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By Scott Dovala, Santa Rosa Mortgage and Home Loans
(Ascent Home Loans)
Everyday one can't pass a TV or newspaper stand without seeing a story on the spiraling economy, home prices, employees losing their jobs. You here it on the radio, standing in line for a coffee and even in restaurants.  The latter is what provoked this blog being written. As I sat enjoying my lunch at a local restaurant here in Santa Rosa, I couldn't help but overhear 3 businessmen at the table behind me expressing their opinions about the economy and what they might do with their stock investments and 401 K's. All three must have been friends for sometime being that they were freely passing information between each other how much they had in their respective 401K's, stock investments and the remaining equity in their homes. Whether each was telling the truth or had inflated what they ...
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By Karen Curran
(Confident Mobile Notary Public Service)
I am a mobile notary public service, serving the Santa Rosa area, Sonoma County.  I am licensed, bonded and insured.  I have 18 years of escrow officer expereince and and a Certified Loan Signing Agent through National Notary Association and 123 Notary. I am reliable, professional and accurate.  Please call me if I can assist you as a notary.
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By Karen Curran
(Confident Mobile Notary Public Service)
I am a notary public and a loan signing agent in the Sonoma County area.  I love my work and was an escrow officer for 18 years, so I have signed many loan documents and have worked with many lenders with great respect to the field. I have a loan that I am trying to work with Countrywide on.  Actually, my Mom bought this home I live in 3 years ago, she took title by herself and acquired the loan by herself based on her credit score, loan being a non-qualifying income loan.  The loan application is not correct for income and assets.  My Mom passed away last year.  We need both incomes to pay the lender.  I have used all of her savings honoring the loan she acquired. As you know in these times, it has been so hard for so many and myself.  Now I am on of those individuals that needs to tal...
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