1. Beware of anyone who asks you to pay a fee in exchange for counseling or help with a loan modification.2. Do not sign over the deed to your property to anyone or any company unless you are working with your mortgage company directly to forgive your debt.3. Never make a mortgage payment to anyone other than your mortgage company without their approval.4. Never sign a document that you don’t understand.5. Never leave any part of your application blank.6. Never give out personal information over the phone when someone first contacts you.7. If something sounds too good to be true, it probably IS too good to be true.What should you do if you are the victim of a Scam?File a complaint with the Federal Trade Commission (FTC). Visit the FTC’s online Complaint Assistant at ftc.gov/complaint, o... 01/09/2014

There are various costs that come along with a home purchase and one of them is homeowner’s insurance. As an Accredited Buyer’s Representative (ABR®), Tim Garton 's  goal is to make sure my buyers are 100% prepared for the purchase of a new home – before and after. Take a look at this informative article on homeowner’s insurance and please let me know if you have any questions  I can be reached at  707-315-5555. I am a great Vallejo real estate resource and look forward to working with you, I also have some great Vallejo Insurance contacts that can answer any Vallejo Insurance questions. Vallejo Home owner Insurance questions?   When thinking of buying or selling your next  Vallejo home think of Tim Garton Vallejo Re/max Realtor.  Have a great day! 01/09/2014

    FAST FACTS Calif. median home price:November 2013: California: $422,210 Calif. highest median home price by region/county November 2013: Marin, $942,070 Calif. lowest median home price by region/county November 2013: Del Norte, $135,000 Calif. Pending Home Sales Index: November 2013: Decreased 13.6 percent from 108.6 in October to 93.8 in November.  Calif. Traditional Housing Affordability Index: Third Quarter 2013: 32 percent (Source: C.A.R.)Mortgage rates: Week ending 1/2/2014 (Source: Freddie Mac) 30-yr. fixed: 4.53% fees/points: 0.8% 15-yr. fixed: 3.55% fees/points: 0.7% 1-yr. adjustable: 2.56% Fees/points: 0.5% Pricing is still good if you are considering to buy, call me 707-315-5555 with any questions or visit my website  www.propertyinvallejo.com        01/08/2014

Market speed remained stable for the third consecutive month in November, according to a report by Redfin. Across 23 metro areas, 27.2 percent of homes went under contract in two weeks, up slightly from 26.9 percent in October. While the percent of homes selling in two weeks or less remained steady, homes overall took a bit longer to sell in November than in October. For all homes across the 23 metros, the median number of days a home spent on the market before going under contract grew to 34 from 31 days in October. Buyers in San Jose, Calif., scooped up homes the quickest in November, with 48.6 percent of listings going under contract within two weeks, up from 48 percent in October. Homes in San Jose sat on the market for a median of just 12 days.   Las Vegas saw the biggest month-ove... 01/08/2014

You may be a single woman looking for a home and neighborhood where you can feel safe at night. Or a family with children who would like other kids to live nearby for easy play dates.Maybe you’re a senior who likes his peace and quiet and wants to avoid living next to rowdy young adults. So you hire a real estate professional to help you find exactly what you’re looking for. After all, buying a home is the biggest purchase in your life so you should get everything you want.But when you ask your realtor about the people that live in the building or area you’re interested in, you don’t get an answer. Some common questions agents will have to turn away are:1. Is this area safe?2. What kinds of people live in the building/neighborhood?3. Is this place family-friendly?4. Are the schools good... 01/06/2014

Hello Everyone,  Vallejo has a great new program designed to help our citizens with safety and stopping crime. This new program so far has been getting great reviews from Vallejo city members and residents alike. Please see attached for more great information about the NLP program.  Vallejo Neighborhood Law program & 2 Great Attornies     01/06/2014

Hello Everyone,   If your thinking of buying a home in the Glen Cove area of Vallejo Ca or wanting to sell your Glen Cove home I am here to help.  707-315-5555 is my contact information my website is www.propertyinvallejo.com  I am a resident of Glen Cove and really enjoy living there. Please see the   Glen Cove News Letter Buying or selling any where in vallejo California Tim Garton a Remax realtor is available.   01/06/2014

Are you thinking about buying a home?  Knowing the steps to buying a home will assist in making the process a smooth transaction rather than a surprise filled struggle with possible regret.  There are many reasons that an individual or family will decide it is time to buy a home.  You may have expanded the family, become an empty nester, need to relocate for work, or just want a change of scenery. Whatever the reason for your new found desire, make sure you are knowledgeable and prepared for the process.  Buyers cannot know enough or ask enough questions for what could be the largest investment of your life.  Below is a general guide for buyers to follow.  Each property, community, and even property seller will have unique circumstances to consider.  Along with this there are also speci... 01/05/2014

This is Tim Garton REMAX Realtor Vallejo Ca   707-315-5555  WWW.PROPERTYINVALLEJO.COM   Discussing our code. In 1908, the face of the real estate industry changed. A group of real estate professionals, fed up with the cutthroat dishonesty that identified most of the real estate industry, founded the National Association for Real Estate Exchanges, now known as the National Association of REALTORS® (NAR). Their mission was to establish ethical standards of conduct to guide real estate professionals. Before this time buyers and sellers had no fair representation. Land speculation and consumer exploitation commonly occurred. In essence, buyers had to fend for themselves in an industry where “Buyer beware, public be damned” was the only piece of advice that one would receive. By 1913  the Na... 01/04/2014

The results of the weekly Freddie Mac mortgage survey indicate that average fixed mortgage rates continue to a slow climb entering the new year. "Mortgage rates edged up to begin the year on signs of a stronger economic recovery," said Frank Nothaft, chief economist for Freddie Mac. "The pending home sales index inched up 0.2% in November, after five consecutive months of decline," he added. "The Conference Board reported that confidence among consumers rose in December and the S&P/Case-Shiller 20-city composite house price index rose 13.6% over the 12 months ending in October 2013." According to Freddie, 30-year fixed-rate mortgages averaged 4.53% with an average 0.8 point for the week ending Jan. 2, 2014. This is up from the last week of December when it averaged 4.48%. One year ago, ... 01/02/2014

Hello All, California borrowers get added financial relief if there in a short sale predicament.  If your thinking of Short Selling your home in Vallejo California or areas near Vallejo contact Tim Garton  707-315-5555 January 2, 2014   Distressed California Homeowners May Qualify for California's Keep Your Home California Transition Assistance Program (TAP) If your financially distressed California clients can no longer afford their homes and are pursuing a short sale or a deed in lieu of foreclosure, they may be eligible for financial help with their relocation to alternative housing.The funds come from the Transition Assistance Program (TAP), part of the Keep Your Home California Program.The state of California is providing up to $5,000 in transition assistance to qualified homeowner... 01/02/2014

BY: CARRIE BAY   The housing market recovery is entering a new phase, according to the analysts at Capital Economics. They say the rapid bounce in home prices seen this year, which was driven by investors and tight supply conditions, will soon start to moderate, and the next stage of the recovery will be characterized by strengthening activity among owner-occupants and mortgage-dependent buyers, as well as a much more moderate pace of house price inflation. Overall economic growth, on the other hand, will accelerate in 2014, according to Capital Economics, from around 1.8 percent in 2013 to 2.5 percent this year. The firm notes in its outlook report that monthly employment gains have already climbed back to the 200,000 mark. As the economy’s fiscal drag fades, it should more than offset... 01/02/2014

Hello Everyone,   Please see Vallejo Property Search and surrounding areas   Thinking of what your homes new value might be, wondering if 2014 is the year to move up from a starter vallejo home to larger? Or maybe down size, either way the interest rates are good but projected to increase this year.   Contact me Tim Garton @ Vallejo Ca  REMAX Gold  707-315-5555 with any Real Estate questions. Happy New Year!! 01/01/2014

Tanisha Pitre says  --     I highly recommend Tim Garton. I was working with another realtor before I met Tim Garton. I had to fired the other realtor because he was too busy for me and NEVER came to any of the house viewing appointments. I don't remember exactly how I met Tim Garton  but I must say he was a angel. He was very knowledgeable of the area, always on top of things, communicate extremely well and very honest. I referred him to a friend and now they are a home owner also. Anyone I know that is house searching I would recommend Tim Garton. He's the guy to work with.    Tim Garton can be contacted 707-315-5555 a Vallejo California  Remax Realtor     01/01/2014

Both the 10-city and 20-city composite home price indices posted year-over-year gains of 13.6%, soaring to their highest gain since February 2006 and hitting the seventeenth consecutive month of annual increases. According to the latest S&P/Case-Shiller Home Price Indices, the two composites showed a small growth of 0.2% for the month of October, while 18 cities posted lower monthly rates in October than in September.   "Home prices in October continued their slow march forward from September’s levels, but continued to make leaps over the 2012 prices," Quicken Loans vice president Bill Banfield said. "The New Year will bring these two measures closer together as the yearly home price report begins to make more modest, sustainable increases; those that we find in a healthier economy." B... 12/31/2013

What can we make of the seeming incongruity of indicators in the housing market as 2013 comes to a close? Mortgage applications recently hit a 13-year low. Existing home sales fell for the third consecutive month – and for the first time on a year-over-year basis in quite some time. Pending home sales also fell for the third consecutive month. But homebuilder sentiment rose significantly, we saw an enormous spike in housing starts, and existing home prices continue to creep up, although more slowly than they rose earlier in the year. It’s easy to write off these paradoxes as just more evidence of how volatile and unpredictable the housing market has been while recovering from the boom and bust cycle that it just went through. And there’s probably some truth to that, which makes predicti... 12/31/2013

Beware of Foreclosure Rescue Scams! Real Help is Free! Foreclosure rescue and mortgage modification scams are a growing problem that could cost you thousands of dollars – or even your home. Scammers make promises that they can't keep, such as guaranteeing to "save" your home or lower your mortgage, usually for a fee, often pretending that they have direct contact with your mortgage servicer – which they do not. Tips to Avoid Scams: Beware of anyone who asks you to pay a fee in exchange for counseling services or the modification of a delinquent loan. Beware of people who pressure you to sign papers immediately or who try to convince you that they can "save" your home if you sign or transfer over the deed to your house. Do not sign over the deed to your property to any organization or in... 12/27/2013

What: The National Association of REALTORS®, “The Voice for Real Estate,” is America’s largest trade association, representing 1 million members, including NAR’s institutes, societies and councils, involved in all aspects of the residential and commercial real estate industries. Who: Our membership is composed of residential and commercial REALTORS®, who are brokers, salespeople, property managers, appraisers, counselors and others engaged in all aspects of the real estate industry. Members belong to one or more of some 1,400 local associations/boards and 54 state and territory associations of REALTORS®. They are pledged to a strict Code of Ethics and Standards of Practice. Why: Working for America's property owners, the National Association provides a facility for professional developm... 12/27/2013

    Tim Garton Vallejo ----                     Housing foreclosure authorities LoanSafe.org andYouWalkAway.com have created a new website to help people re-enter the housing market after having been through a previous foreclosure. The website is calledAfterForeclosure.com and helps those most affected by the housing crisis take charge of their financial future and own their own home again. Based on a poll of their combined members, LoanSafe.org and AfterForeclosure.com are confident that these potential buyers will make 2014 the year of the “boomerang” buyer. Changes in lending guidelines and population shifts make these buyers essential to the recovery of the housing market. Jon Maddux, co-founder of AfterForeclosure.com says: “Alienating this large and growing pool of potential buye... 12/26/2013

THINKING OF BUYING VALLEJO CA REAL ESTATE OR AREAS NEAR VALLEJO AND YOUR PAYING RENT NOW?  VALLEJO IS THE MOST AFFORADBLE OUT OF THE 9 BAY AREA COUNTIES. CLINK THE LINK BELOW AND IT MIGHT BE THE DECISION MAKER FOR YOU.  FOR MORE QUESTIONS ABOUT BUYING VALLEJO REAL ESTATE CALL TIM GARTON 707-315-5555.     BUYING OR RENTING VALLEJO REAL ESTATE WHICH IS BETTER? 12/22/2013