When moving into any neighborhood parents are always curious about the local schools.  Brookside School at 2962 Brookside Road Stockton, CA 95219 is, according to parental reviews, a highly thought of school.  This school is located in the very much sought after, Lincoln School District.  Brookside School has the distinction of being among the very few public schools in California to be awarded a Great Schools Rating of 9 out of a possible 10.    The table below shows the current short sales in Brookside Estates.  This community has a diversity of properties starting with the first time home buyer to buyers with the need for larger properties.    Contact The Nines Team Realty at 888-868-4398 to make an appointment to view any of these properties in Brookside Estates.    Status Price S... 08/16/2012

  Currently in Brookside Estates in Stockton California there are fourteen properties for sale with one being a short sale and one being a bank owned property.  There are five properties ranging for $198,000 to $649,000.  Behind the gates there are nine properties ranging from $280,000 to $2,000,000.   Is this the right time to buy?  Has the market reached the bottom or is it going to go lower?  What are the loan rates going to do in the next month?  When are the banks going to release a bunch of houses onto the market?    The honest straight forward answer to those questions, who knows.  None of us have a crystal ball and those lucky ones that do seem to have a problem with accuracy.    Just looking at the market we have right now, yes this is a good time to purchase a property.  The i... 08/14/2012

  These are the short sales currently in the Brookside Estates in Stockton California.   The current wisdom in real estate is that short sales are the way the real estate market will recover.  The price of a short sale is higher than a bank owned property.  This price difference, although not the full market value, does not have the same drastic downward impact on the values of the properties around it that a foreclosure does.  Foreclosures erode values.  Short sales help the market recover.   Do a short sale now and then repair any damage that was done to your credit, if any.  Then 3 to 5 years later, if that long is some cases, apply for a loan and get on with life.  Like life real estate runs in cycles and the adage about “what goes down must come up” is just as true now as it has ev... 08/09/2012

As of August 7, 2012 here are the listings in Brookside Estates in Stockton California.  There is one short sale and two active with one of those being a bank owned property.  In the Country Club area all these sales are active with no bank owned properties being offered.  The price range and square footage of the properties varies from $198,000 at 1838 square feet to $1,995,000 with 6210 square feet.    If you would like to see a property in Brookside Estates contact The Nines Team Realty at 888-868-4398 to set an appointment.   Status Price Street Name Beds Baths Sq Ft Stories REO Active $198,000 Timepiece 4 3 (2 1) 1838 2STR NO Short Sale $298,000 Riverbrook 5 4 (4 0) 3172 2STR NO Active $304,475 Brook Meadow 5 3 (3 0) 3406 2STR YES                                 Behind the gates in... 08/07/2012

  Currently as of August 2, 2012 in Brookside Estates in Stockton California there are four short sales.  Three of the short sales are behind the gate in the Country Club area and one is outside the gates.  Contact The Nines Team Realty at 888-868-4398 if you have an interest in viewing any of these short sales properties.    Price Street Name Beds Baths Sq Ft Stories $298,000 Riverbrook 5 4 (4 0) 3172 2STR $325,900 Pinehurst 3 2 (2 0) 1553 1STR $465,000 Spyglass 4 4 (3 1) 3575 2STR $520,000 Pebble Beach 4 3 (2 1) 2919 2STR   08/02/2012

  Currently there are 13 properties available in the Brookside subdivision in Stockton California with 12 active properties and 1 short sale.  There are 9 properties for sale that are in the Country Club area behind the gates.     Status Price  Street Name Beds Baths Sq Ft Stories REO Active $210,000 Pine Meadow 3 2 (2 0) 1627 1STR YES Short Sale $298,000 Riverbrook 5 4 (4 0) 3172 2STR NO Active $304,475 Brook Meadow 5 3 (3 0) 3406 2STR YES Active $649,000 Riverbank 3 4 (3 1) 3192 2STR NO     In the Country Club area behind the gates: Status Price  Street Name Beds Baths Sq Ft Stories REO Active $249,900 Boulder Creek 4 3 (3 0) 2435 2STR NO Active $280,000 Annandale 2 2 (2 0) 1674 1STR NO Active $289,000 Arrowhead 2 2 (2 0) 1674 1STR NO Active $535,000 Glen Abby 4 3 (2 1) 3016 1STR NO A... 07/31/2012

 The Copper Mill Subdivision, a private community of homes built by Caresco Builders and located in the desired neighborhood of Spanos Park East in Stockton, CA. This community has been described to some Stocktonians as having a resort-like living.  The designing of these Caresco Homes is reminiscent of early American and European Old World Charm with distinctive stucco, brick, siding, and stone exteriors; dramatic living area, elegant and open kitchens, and spacious master suites.   HOA fees do apply in the Copper Mill Subdivision and include many amenities such as a clubhouse with a swimming pool and community park. Close by amenities are the Elkhorn Golf Course (membership is an additional fee) and a shopping plaza.   Current Market Report: Median Home Value Price: $330,000. Just to ... 07/25/2012

  Homeownership Expenses:  Purchasing a home is not a free transaction.  There are fees before, during and after the purchase.  Knowing what the fees are, why they are charged and when they apply will help you understand the purchasing process better.  You will have a variety of expenses during the mortgage application process, when you "close" on the house and once you have finally moved into your new home. These expenses will vary based on the area of the country and the size and type of home. Some are one-time fees and others are monthly expenses. The table below describes some of the fees and expenses you will incur.   Before you Buy During the process After you Buy / How often Credit Report Origination Fees Property Taxes  (Monthly) Home Appraisal Closing Costs PMI (Private Mortgag... 07/23/2012

Listed below in the table are short sale properties currently available in Stockton California in the Brookside subdivision.  Brookside is a diverse community with some homes on a golf course, some homes situated around manmade lakes and other homes in quiet circular neighborhoods some with gates and some without gates.  Call The Nines Team Realty at 888-898-4398 for an appointment to see these properties.  Let The Nines Team Realty help you find just the property for which you have been searching. Price Address Bed Bath Sq Ft Stories $218,500 Feather River 4 3 (3 0) 2253 2STR $299,950 Riverbrook 5 4 (4 0) 3172 2STR $330,900 Pinehurst 3 2 (2 0) 1553 1STR $465,000 Spyglass 4 4 (3 1) 3575 2STR $520,000 Pebble Beach 4 3 (2 1) 2919 2STR 07/19/2012

These are the properties currently available in the Brookside subdivision in Stockton California.  Brookside is an upscale community with its own golf course and with some of the properties built around manmade lakes.  Lots of trees and green grass add to the ambiance of the community. Status Price Address Bed Bath Stories REO Active $181,450 Whispering Creek 3 3 (2 1) 2STR YES Active $210,000 Pine Meadow 3 2 (2 0) 1STR YES Active $249,900 Boulder Creek 4 3 (3 0) 2STR NO Active $280,000 Annandale 2 2 (2 0) 1STR NO Active $304,475 Brook Meadow 5 3 (3 0) 2STR YES Active $325,000 Arrowhead 2 2 (2 0) 1STR NO Active $419,000 Pinehurst 4 3 (3 0) 2STR NO Active $535,000 Glen Abby 4 3 (2 1) 1STR NO Active $550,000 Spyglass 3 4 (3 1) 2STR NO Active $635,000 Saint  Andrews 4 3 (3 0) 1STR NO Activ... 07/16/2012

Stockton CA Home Inspection In the central valley of California, we experienced most likely the biggest foreclosures rate in California. I do not have the statistics however i know it is a fairly accurate statement to start with. 2008 marked a general change in property history all across the globe getting a brand new mass growth and development of listed houses available on the market. Stockton houses available were primarly house foreclosures there after.I am a certified home inspector. I am additionally a stay at home father with twins, a licensed contractor, a pc repair guy, an author, an auto mechanic and I also own a handyman business. Within this era, you have to be versatile using what you know to be able to earn a living. My spouse almost lost her job a couple of years back (mu... 07/08/2012

Short sale listings usually have high DOM – due to the process! Most serious investors are looking high and low for a deal.  They educate themselves on the tricks of the trade and somewhere during their investing career someone told them to check out the properties that have been on the market for 90 days or more. We call it DOM (days on the market). However, the most properties now-a- days that are lagging on the market are short sale listings.  Some agents do not follow the MLS rules to make a short sale listing an Active Short Sale listing instead of it just saying “Active”.  Active listing on the Metrolist MLS is reserved for: REOs, Equity, New Home listings – not short sales. Short sale has a category all its own:  Active Short Sale or if they have an offer that the homeowner has a... 07/04/2012

The discussion of what title Real Estate Agents put behind their name is an age old discussion.  Some say it is misleading to say Expert and you don't have all the answers - others say and ask are you really a Specialist or are you just saying that because you think it sounds good?  I ask - What's in a title? Does it matter to the potential buyer or seller - if you are titled Expert, Specialist, Guru, Professional or if you have not title anymore than or except "Real Estate Agent"? Does it really matter? Well let's see: Let's break it down Professional: Expert and specialized knowledge in field which one is practicing professionally is among the main criteria for a professional.  Expert:  Does not mean you are perfect.  Its closer to you have excellent knowledge/advice based on your ins... 06/25/2012

  City of Stockton, CA on the Brink of Bankruptcy   While other cities have gone into bankruptcy, Stockton may be the largest to date. It has been a something that has been a growing concern; the city budget is far from being balanced. Many factors have pushed the city into this situation: drop in home values, unemployment, and a multi-year labor contract have all played a part in the city’s troubles. The drop in home values decreased taxes and fees to the city. Stockton’s unemployment rate is the second worst in the nation and is struggling to make improvements. The labor contract that was recently negotiated is putting a burden in the current economy; there just aren’t funds for the labor agreement. A few years ago, Vallejo filed for bankruptcy. Vallejo has since made many positive ch... 06/25/2012

Multiple liens means that you have more than one lien on your property.  I have worked with short sales that have up to three mortgage liens on the property.  Let me say, it was not picnic but it can be done! Short sales remind of being in the ring with a bull!  I think.  I imagine what that really mean.  Although I have never been in the ring with a raging bull or for that matter any kind of bull.. Even so, I can also say that my worst successful short sale was with the two tough guys (Bank of America and Green Tree) all in the same transaction! Now that was show down.  Most of it was the wait period, no answer of progress, no movement, loss of paperwork and overall stress related to those issues.  The next road blocks was that it was attorney right in the middle of it - doing what the... 06/20/2012

OK I am not trying to be funny, but how can your name accidently be on the mortgage?  I mean did you really not know that your name was on the mortgage - the loan?  If this is true, there is some fraud going on.  But if you just thought it was taken off because you signed over the property to someone else.... believe me that is no accident. Now you want to know what it is if your name is still on the loan?  That is called - not doing all your homework - only part of it. What ever do I mean?  I mean that you probably let someone tell you that all you had to do was quitclaim the house over to them and your name and liability would be removed.  If this is the case - they misinformed you and this is why I say you did not do all your homework on this subject.  First, never let the person of ... 06/20/2012

This is a question I get asked allot these days.  The short sale process is a hot topic and what works or does not work is a huge question.  The reason it is so complex is because each servicer / bank have different rules and procedures.  On the subject of hardship: each mortgage lender have a different set of excuses that they consider a hardship. So when it comes hardship and what is considered an approved hardship - the and safest answer is "I don't know I will have to check your mortgage servicer/bank" because it is not up to your real estate agent to make that call.   Question: Is relocation to another job location a good hardship? Relocation can be a valid hardship with most banks, but you should verify it is with your bank.  There is a rule that if your job takes you 100 miles fr... 06/20/2012

Heads up the market is changed.  The things that used to work is not working the same anymore.  Although FHA has seen a pike in financing options from buyers - the market is changing and sellers are not being as nice to the FHA financing as it once was.  Offers are taking a back-seat to other options. It was just a short period there where the banks were over stressing that Cash was not an impressive financing!!! Of course only a few believe that story.  Highest and best has taken on a different face!  Buyers Beware: The market is shifting and it is no telling where it will land or if it will land!  I see the market as a revolving circle so now is time to see that it is changing and get ready for whatever it brings. A few months ago, FHA offer were being affected and not overlooked.  No... 06/20/2012

A great Football Camp - Linemen Inc. in Stockton California My son has two football camps coming up; the one with his High School team and the other one. The other one is the one he is excited about. You see my son Nelson is one big kid and that makes him a lineman. I think as a sophomore he was the biggest kid in the Liberty High Football program. Next year he will be a Junior on Varsity. A kid that big is almost always made a lineman. Well Nelson is a Lineman. He cannot make up his mind if he is an offensive Lineman or a Defensive Lineman; he will probably play some of both. But Line training is tough, I never understood how much skill went into what appears to us as a bunch of big guys pushing each other around. LinemenInc is the answer to that problem for Linemen. There are plenty o... 06/12/2012

Stockton has been one of the hardest hit foreclosure markets in the nation. A hot bed for the 203k loan guarantee program yet most of the homes are going to investors who pay "all cash" and that appears to be demoralizing the local non profits and buyers in general.  Sellers "wake up". If you have a home that needs work you DON'T have to give it away. The FHA 203k offers that you keep turning down because your agent doesn't have a clue is costing you big time. Agents "wake up" to the 203k loan program if you are the sellers agent what is wrong with taking "all cash" to the seller from a prospective home buyer? NOTHING. You can get a higher sales price in many cases from a prospective buyer using the FHA or HomeStyle loan programs, your commission is therefore higher. A buyer who intends... 05/18/2012