3% Down - No Mortgage Insurance - No Appraisal Wow! Fannie Mae took a step towards taking their collective heads out of the sand by unveiling an aggressive financing program aimed at their rather vast inventory of REOs. The program allows buyers who will occupy the home as their primary residence to put as little as 3% down and they will finance the home with no mortgage insurance and they will not require an appraisal.  Primary Residence Highlights! 1- to 4-unit properties. Fannie Mae/Freddie Mac-eligible condominiums. Planned unit developments (PUDs). Modular homes. Manufactured homes (double-wide only). All properties must be designated by Fannie Mae as eligible for HomePath financing. Down Payment: 3% No Appraisal required Programs offered include 30, 20 & 15 year fixed rates and so... 02/12/2009

Is it just me or have any of you noticed that most Senators and Congressmen/ Women simply state their "Party Line" when asked about this $827+ Billion spending package.  And, have you listened when a reporter asks about particular line items or section?  I have heard several interviews on the radio last night and this morning that have me alarmed.  I have heard things like "I don't believe that is what it says" and "If it says that, we will fix it" or "I will take a look when I get back to my office"...  What???  Take a look?  Those same elected leaders say, "I am going to vote for this because we MUST do something" or "This package is WAY TOO big that I cannot vote for it".  Is it just me or does it seem like these officials STILL do not have a clue as to what they are doing or the pot... 02/10/2009

THANKS TO EVERYONE!!!  I am very proud and excited to have been chosen as RESA's Rookie Stager of the Year for 2009!!  A huge thank you goes out to all the Active Rain members, Lori Kim Polk and Valesca Bogart's support!  I could not have become as successful within the last 12 months without you.  Both Lori and Valesca have helped me tremendously and have both been there to eagerly help me be successful.  I appreciate it that greatly.  In this economy and market, we all have to stick together.  Thank you to all the realtors who voted for me, and hats off to Shell Brodnax for being the Fabulous Queen of RESA!!   I am very exctiedabout this new staging & design adventure that I have embarked on - it is both challenging and exciting.   I LOVE IT!!  You can check out the my BIO below - it ... 02/09/2009

I would like to pair up with a New Real Estate Agent to make your life easier, I can provide leads to you and we can close loans together.  I have been in the lending industry for 17 years and am well versed on FHA and VA loans.  Contact me at mindyminnis@surewest.net, I would like to be your 1 stop shop. 01/20/2009

This is a very active market!  There are currently 825 active listings of single family homes in Roseville/Rocklin area.  Prices range from $100,000 for a 2 bed/1 bath bank owned in Roseville to $2,900,000 for a 6,000 sq ft home in Whitney Oaks in Rocklin. There are 144 homes priced under $250,000 showing the affordability of this desirable area.  There are 269 pending sales with average days on the market of 61.   There are 563 sold listings in the last 3 months indicating excellent turnover activity.  50% of the sold listings had accepted offer within the first 30 days at 99.6% of list price.  227of the sold listings were for homes priced under $300,000.  Average days on the market for sold listings are very good at 56.  Average list price to sale price has increased to 98%.  Visit my... 12/27/2008

We are seeing above average activity for rentals in the greater Roseville area.  Investors and seasoned landlords are utilizing our company in incredible numbers during the typically slowest time of the year.  As Roseville continues to perform as a high end rental community, our agents are helping new investors and old hats find quality tenants at a record pace.  The greater Roseville area has a tremendous inventory of quality rentals--these homes and condos attract a high end clientele of tenants who appreciate the emergence of high end restaurants and shopping merely miles from their doors.  As always we preach competitive pricing--a high quality tenant paying 5% less monthly will always outperform a moderately qualified applicant paying above market rent.   Please contact me with any... 12/11/2008

Now, are these 2 happy home buyers or what? The day of signing FINALLY came. And what a house they are getting! Come join me with two new 1st Time Home Buyers in Roseville, CA. They invited you to join them at Placer Title during their signing (see video below). This was an exciting afternoon for these home buyers who are anxiously awaiting the keys to their new home. Once a home buyer has gone through the steps of finding the house they want to buy, having their offer accepted by the Sellers,  the home inspection period and all the many disclosures and documents to sign... the day finally arrives when it is time to sign the Lender documents at Title. It is a day that home buyers wait anxiously for and bring their cashier's check to the table.  Most of the time signings go without a hit... 12/08/2008

This is going to be a festive event.  An excellent way to start the Holidays!  Calling all Rosevillian and neighboring areas - tis time for the annual City's official Tree lighting ceremony in old downtown Roseville.  Feel the small town celebration in a big way!  Last year was filled with surprises including snow.  Who knows what this year will bring!  It is happening this Friday, December 5th beginning at 4PM to 8PM.    For more information, visit Tree Lighting Ceremony   12/01/2008

Homepointe investor clients who own single family homes and condos in Roseville have significant advantages over their competition by using our property management company.  Communities of Roseville, Lincoln, Granite Bay and Loomis attract plenty of applicants.  The challenge is twofold:  having the resources to streamline qualified applicants to your specific property and being able to competently screen the applications that come in.  Homepointe feeds the internet search engines so our company--and our agents--show up prominently in the common search parameters of prospective applicants.  If you search for rentals in Roseville you will see Homepointe come up on the first page--often times as the first listing.  Qualified applicants do not want to waste time searching for rentals--they... 11/12/2008

Our office in Roseville is located near the corner of Riverside and Cirby--just off the freeway with quick and easy access to all of Roseville, Lincoln and Granite Bay.  Our two agents have experienced above average rental activity for the entire region.  Single family homes are attracting well qualified applicants who are willing to rent the properly priced rentals in our respective portfolios.   By clicking on or plugging in the link below to our quarterly rental survey, you can view current "asking" rents for these areas.  https://www.homepointe.com/svyQ408.pdf As rents for homes in Roseville, homes in Lincoln and homes in Granite Bay and Loomis can vary dramatically--please contact me with inquiries on specific neighborhoods.   James Safonov Homepointe Property Management jsafonov@h... 11/11/2008

Roseville, CA Real Estate home sales report for October is ready to view. It's been a hectic week with home buyers, home inspections and closings this week so please accept my apology for getting these figures to you, a little later. I will have the other city and community real estate sales figures ready to view later under the neighborhood county market statistics. I am busy doing what a Realtor does best, selling real estate. For the month of October 2008 the real estate home sales for residential single family homes for each of the three zip codes in Roseville, CA are as follows, along with the year-to-date home sales. To read the Roseville Real Estate Statistics just click on Roseville Ca Home Sales Report for October and Year to Date Statistics. Be sure to check out other communit... 11/05/2008

    Come Meet Food Network Star Guy Fieri! Food Network star and co-owner of one of Roseville's newest restaurants Guy Fieri will be signing his latest book at his restaurant Johnny Garlic's.  You can meet Guy and him autograph your book on Saturday November 8th from 11am until 2pm.  Johnny Garlic's is located at 10505 Fairway Drive in Roseville.    11/03/2008

If I had a dollar for every time a home buyer said, "We love the house, but it IS the first house we've seen and we shouldn't settle on this one without seeing a lot more homes." I'd be a wealthy woman! But then again, my wealth would increase for every time a home buyer decided to go back to the first house and make an offer only to find that it is in Pending Sale. Then, every house is compared to the house they DIDN'T get. How about you? In your real estate career have these words been bounced off you? Would you be wealthy, too? On Saturday, the 18th, I received a call from new First Time Home Buyers who wanted to see a houses for sale in Roseville within a gated community. We saw 5 homes for sale and one house in particular stood out clearly above the rest. Although the home buyers l... 10/22/2008

I thought this article was worth sending out. We are finding that the affordability factor is improving for new home buyers. With most of the 100% financing programs now extinct-it will take new homeowners more money to get into a loan. Read the article below. Seller FinancingDue to stricter loan underwriting standards and increased difficulty for some borrowers to qualify for a loan, even for those who are well-qualified, more sellers are offering financing to potential home buyers, which some believe can be mutually beneficial to both buyers and sellers, and can give sellers a competitive edge.MAKING SENSE OF THE STORY FOR CONSUMERS · In addition to sellers receiving a steady flow of income by providing financing to home buyers, sellers also can profit from the interest payments. Sell... 10/17/2008

Just listed your home..... Guess what, your home just entered a BEAUTY CONTEST!   Why not get crowned a beauty and get your home sold! Why do some sell and others not? Let's assume your home is priced right, your Realtor did a CMA- Comparison Market Analysis, and your home is priced within the right range. Now what? Enter the Beauty Pageant.... Once you list your home for sale- it is listed in a Beauty contest by default. Your home is competing with all the other homes that are priced similar to yours. The Beauty School Drop Outs- Vacant homes These potential beauties are bare-lifeless and cold feeling. If you are selling your home vacant, you are cutting out potential buyers that would have fallen in love with your home. Because furnishings and décor bring warmth and appeal to a home, ... 10/14/2008

Homepointe Property Management is a well established management company for single family homes, condos and multi unit properties in Roseville and Placer County.  Our office is located at 1220 Melody Lane in Roseville, CA 95678.  We have two full time professional agents working out of the office managing property in Roseville, Rocklin, Lincoln, Granite Bay and the surrounding communities.  Our friendly support staff are always available to greet our owner and tenant clients Monday through Friday 8am to 5pm.   We show our vacant units twice during the week and work with our inhouse leasing agents to show all vacant property over the weekend as well.  For the most up to date information and to speak with one of our agents--please contact us at Homepointe in Roseville at #916-781-7075 x65... 10/13/2008

Some goods again for mortgage holder of Arms and Adjustable rates. Read below for some facts. For more info go to our Home Team Girls blog Central Banks Coordinate Global Cut in Interest RatesHoping to thaw the current credit freeze, the Federal Reserve, the European Central Bank, the Bank of England, and the central banks of Canada and Sweden reduced their primary lending rates by a half percentage point Wednesday. The Chinese central bank also reduced its key interest rate and lowered bank reserve requirements, while the Bank of Japan's rates remained unchanged.MAKING SENSE OF THE STORY FOR CONSUMERS· The purpose of the rate cut is to increase consumer confidence, which in turn should help stimulate the economy. When consumers and businesses have more confidence in the economy, they u... 10/13/2008

This can be  great time to sell if you are moving and buying again. Interest rates are down. When you sell low you can buy low to offset your loses. The good news is, your new property taxes will be lower! Sell your home fast in any marketDue to the large number of available homes on the market, and the fact that the traditional home-buying season is coming to a close, sellers need to be aware of key factors that can determine whether their home sells quickly or lingers on the market.MAKING SENSE OF THE STORY FOR CONSUMERS· Accurately pricing a home continues to be the number one factor to conclude a successful sale. Most REALTORS® guide sellers in determining an accurate listing price for their home by tracking comparable properties in their neighborhood that have sold within the previ... 10/13/2008

When trying to get a good feel for what a market is doing or where it is headed simply look at what the big brokers are doing and the information they offer. Companies like CBRE,Cornish & Carey, Grubb & Ellis,Colliers International and TRI Commercial are just some examples. These companies due their home work very well and provide great information for you the consumer. The Sacramento Roseville area is rich in commercial real estate and these firms know this, so in an effort to stay on top they offer top class service. Information is one of those services. If you are looking to invest or purchase commercial real estate in the Sacramento Roseville area I highly recommend you visit their websites and do your homework you will be glad you did. Should you want some more direction or are int... 10/10/2008

You now can buy single family homes in Roseville CA under $199k with a positive cash-flow. ATTENTION INVESTORS: this is what we have been waiting for. Visit the investors' page on my website to find out why Roseville is THE place to invest right now. Goto my investors page at www.WesternStatesRealty.com for an up-to-date properties.   Roseville Residential Investment Property, Roseville Fixers, Roseville Land Helping first-time and seasoned investors find below market property The right agent for the right job!!!!! www.WesternStatesRealty.com Loan programs tailored for all credit levels!  Hard money for purchase Find out why our business is growing with referrals! Find out why investors in Roseville are flocking to my website!!! Sign up for your free personalized investment property lis... 09/01/2008