West Hills Ca/ San Fernando Valley Real Estate/ How Does a Foreclosure Sale Affect a Defauting Borrower's Credit Rating?                   How Does a Foreclosure Sale Affect a                Defaulting Borrower's Credit Rating? A person's credit report typically includes a breakdown of that person's credit history,both good and bad. In some cases, the report may also contain a section listing non-rated credit history, i.e., credit history that is neither positive nor negative. An individual's credit report may be analyzed and relied upon by a variety of groups, including credit card companies, banks landlords, employers, and attorneys. therefore, it is important for consumers to maintain a healthy credit rating.                                    Remember, once a lender actually forecl... 11/13/2010

Happy Veteran's Day/ West Hills Ca/San Fernando Valley Real Estate   ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~     My Website For Sellers For Buyers Monthly Newsletter Call me! eMail me! Canoga Park-Winnetka SF Valley Face Book Listing Book West Hills LA Gas Prices Rentals Housing Trends You Tube   Serving the San Fernando Valley and in particular West Hills,Woodland Hills,Winnetka, Canoga Park,Northridge, Chatsworth,Granada Hills and More   If you are planning to Buy or Sell a home or land in West Hills, Woodland Hills or in the San Fernando Valley, I'd be happy to assist you. ";Oh, by the way, if you know of someone who may need my Real Estate services , please call me with their name and number. I will be happy to help them!" 11/11/2010

West Hills Ca Real Estate/Woodland Hills/San Fernando Valley/10 Benefits of a VA Loan    10 Benefits of a VA Loan 1. Equal opportunity for all qualified veterans. 2. No down payment (unless required by the lender or the purchase price is more than the reasonable value of the property). 3. Buyer informed of reasonable value. 4. Negotiable interest rate. 5. Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5% and exemption for veterans receiving VA compensation). 6. Closing costs are comparable with other financing types (and may be lower). 7. No mortgage insurance premiums. 8. An assumable mortgage. 9. Right to prepay without penalty. 10. VA assistance to veteran borrowers in default due to temporary financial difficulty. ~ ~ ~ ~ ~ ~ ~ ~ ~ ~... 11/08/2010

 West Hills Ca/Woodland Hills/San Fernando Valley Real Estate/ Don't Forget To Fall Back Time reverts to Standard Time at 2 a.m on Sunday, NOVEMBER 7 (Movember) 2010 Make sure to turn your clock back one hour. Fire departments encourage people to change the battery in all smoke detectors when they change their clocks.   ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~        My Website For Sellers For Buyers Monthly Newsletter Call me! eMail me! Canoga Park-Winnetka SF Valley Face Book Listing Book West Hills LA Gas Prices Rentals Housing Trends You Tube    Serving the San Fernando Valley and in particular West Hills,Woodland Hills,Winnetka, Canoga Park,Northridge, Chatsworth,Granada Hills and More    If you are planning to Buy or Sell ... 11/05/2010

West Hills Real Estate ~ SFV RESIDENTIAL MLS SUMMARY ~ September 2010                            MONTHLY RESIDENTIAL SALES STATISTICS                                                                                         CONDO SALES AND CONDO INVENTORY BY PRICE                                             SRAR SFV DIVISION SEPTEMBER 2010                                   SINGLE FAMILY SALES AND INVENTORY BY PRICE   There were 3,793 active listings throughout the Valley at the end of September, down 29.8 percent from a year ago. That's a 4.9-month supply at the current pace of sales with a 5- to 6-month supply indicating a balanced market. The highest the inventory climbed during this downturn was 7,730 listings for a 16.0-month supply. The record-high inventory came in July 1992 with 14... 11/04/2010

   West Hills Ca./Woodland Hills/San Fernando Valley Real Estate/Tips for Finding the Perfect Neighborhood Your neighborhood has a big impact on your lifestyle. Follow these steps to find the perfect community to call home.   •·         Is it close to your favorite spots? Make a list of the activities - movies, health club, church, etc. - you engage in regularly and stores you visit frequently. See how far you would have to travel from each neighborhood you're considering to engage in your most common activities.   •·         Check out the school district. This is especially important if you have children, but it also can affect resale value. The Department of Education in your town can probably provide information on test scores, class size, percentage of students who attend college, a... 11/03/2010

     Your Property Wish List  What does your future home look like? Where is it located? As you hunt down your dream home, consult this list to evaluate properties and keep your priorities top of mind.     •□         Neighborhoods   What neighborhoods do you prefer?   •□         Schools   What school systems do you want to be near?   •□         Transportation   How close must the home be to these amenities:   •·         Public transportation                           •·         Airport •·         Expressway •·         Neighborhood shopping •·         Schools •·         Other   •□         Home Style             What architectural style(s) of homes do you prefer? •·         Do you want to buy a home, condominium, or townhome? •·         Would you like a one-story or two-story home? •·    ... 11/03/2010

 West Hills Ca/Woodland Hills & San Fernando Valley Real Estate/Pay Down Your Mortgage or Invest?      ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~       My Website For Sellers For Buyers Monthly Newsletter Call me! eMail me! Canoga Park-Winnetka SF Valley Face Book Listing Book West Hills LA Gas Prices Rentals Housing Trends You Tube   Serving the San Fernando Valley and in particular West Hills,Woodland Hills,Winnetka, Canoga Park,Northridge, Chatsworth,Granada Hills and More    If you are planning to Buy or Sell a home or land in West Hills, Woodland Hills or in the San Fernando Valley, I'd be happy to assist you.  ";Oh, by the way, if you know of someone who may need my Real Estate services , please call me with their name and n... 11/01/2010

Advisory Message from Los Angeles County Sheriff's Department: Halloween Candy Safety Advisory regarding candy laced with drugs The safety of our children is priority #1... so I am sharing this e-mail with the community that I received from Los Angeles County Sheriff's Department concerning tainted candy. Please be aware! Hi Espranza Butler,  Advisory Message has been issued by the Arcadia Police Department.  Saturday October 30, 2010 12:08 PM PDT  Halloween Candy Safety Advisory regarding candy laced with drugs  The Arcadia Police Department wishes to share this valuable information with you regarding Halloween candy that may contain marijuana (THC).  If you encounter this type of candy being handed out to children, notify the police immediately.  The following is a re-broadcast of a N... 10/31/2010

Backpacker Bars ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~           My Website For Sellers For Buyers Monthly Newsletter Call me! eMail me! Canoga Park-Winnetka SF Valley Face Book Listing Book West Hills LA Gas Prices Rentals Housing Trends You Tube     Serving the San Fernando Valley and in particular West Hills,Woodland Hills,Winnetka, Canoga Park,Northridge, Chatsworth,Granada Hills and More    If you are planning to Buy or Sell a home or land in West Hills, Woodland Hills or in the San Fernando Valley, I'd be happy to assist you.  ";Oh, by the way, if you know of someone who may need my Real Estate services , please call me with their name and number.  I will be happy to help them!" Sign up for monthly Monthly Recipes - Seri... 10/31/2010

Boo!.... Have a Safe, Sane and Happy Halloween!     ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~        365 Things To Do In West Hills,Woodland Hills,Ca.-San Fernando Valley Real Estate Guide Home Buyer Beginings My West Hills home buyers guide contains useful information written exclusivley for home buyers, designed to assist you make an informed decision about your home purchase. I'll use my West Hills real estate expert knowledge of the area to find you the perfect West Hills home, one thats comfortable for your life style as well as your budget.   Home Seller Solutions West Hills Home Value West Hills Home Sellers Guide If you are considering listing and selling your West Hills home, You've come to the right place! As a West Hil... 10/30/2010

West Hills Ca. /Woodland Hills /San Fernando Valley Real Estate/Beyond The Headlines 10-28-2010  Welcome to C.A.R.'s Market Matters, your weekly market response guide.   The New York Times The price of a "no-cost" loan Some home buyers who may be concerned about paying high closing costs might be tempted by a "zero-cost" or "no-cost" loan option, which requires no cash outlay, but typically adds a half percentage point to the rate. However, some financial consultants say these loans tend to be most beneficial to buyers planning to have the loan for less than five years. KEEP THIS IN MIND • One of the primary differences between a no-cost loan and similar loans is that no-cost loans do not tack on closing costs to the balance, but instead increase the rate.   • With no-cost loans, third-... 10/28/2010

 West Hills Ca./Woodland Hills/San Fernando Valley Real Estate/Did You Know... On Short Sale Transactions    HERE IS A LIST OF SOME OF THOSE THINGS: Here is very important to note the expiration dates on demands and payoff instructions. If the expiration date is prior to the COE (Close Of Escrow), a new demand or extension will be necessary. These demands need to be extended for at least two days after funding. This will ensure that the funds can be transferred in time after confirmation. The payoff dept. is unable to issue wires, order cashier's checks or issue company checks until the final HUD is received from escrow. It can often take a day for escrow to be able to balance out the file so the demand extension must provide for this time.   EVERYTHING that is being paid on behalf of t... 10/26/2010

    West Hills, woodland Hills, Ca. Real Estate/ 8 Reasons Why You Should Work With a REALTOR®   Not all real estate practitioners are REALTORS®. The term REALTOR® is a registered trademark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION of REALTORS® and subscribes to its strict Code of Ethics. Here's why it pays to work with a REALTOR®.    1. Navigate a complicated process. Buying or selling a home usually requires disclosure forms, inspection reports, mortgage documents, insurance policies, deeds, and multipage settlement statements. A knowledgeable expert will help you prepare the best deal, and avoid delays or costly mistakes.   2. Information and opinions. REALTORS® can provide local community information on utilities, zoning, schools, and mor... 10/19/2010

 West Hills/ Woodland Hills,Ca. Real Estate /Greater Los Angeles Area Market Report Sep-10 Greater Los Angeles Area Market Report Sep-10   The MLS®/CLAWTM reports median single-family home price up 11.9% in Sep-10 over Aug-10, sales fall to 640. Sep-10 Quick Facts: The median price of existing single-family homes increased to $632,500 up 11.9% vs Aug-10 Existing single-family home sales decreased -4.3% from Aug-10 for a Sep-10 total of 640 Condos increased in price to $435,000 up 1.3% vs Aug-10 Existing condo sales decreased -10.2% in Sep-10 over Aug-10 for a total of 307   Single Family Median Home PriceSep-09 vs Sep-10 Clarus MarketMetrics® 10/10/2010   The Number of Sold Properties by Month Sep-09 vs Sep-10 Clarus MarketMetrics® 10/10/2010 Sep-10 The MLS®/CLAWTM Regional Sales and Pr... 10/18/2010

Weighing your options?  Has your loan recently adjusted Have you missed a payment or two and are not sure what to do? You are not alone if you are having trouble paying your mortgage. You may qualify for a Short sale at no cost to you. Call us for a FREE evaluation (818) 926-5425   ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~        My Website For Sellers For Buyers Monthly Newsletter Call me! eMail me! Canoga Park-Winnetka SF Valley Face Book Listing Book West Hills LA Gas Prices Rentals Housing Trends You Tube    My business is the result of the support and referrals from people like you.... Thank you!                            Here for you before, during and after.                                          Esperanza Butler  (818... 10/14/2010

Beyond the Headlines/ October 2010 Los Angeles Times California to join multistate inquiry of foreclosures by banks In late September and early October several major lending institutions began voluntarily halting foreclosures in select states while they reviewed their foreclosure processes. This action is in response to findings that questioned whether some lenders/servicers were following the correct procedures to foreclose on a property. KEEP THIS IN MIND • To date, Bank of America is the only lender that has extended its foreclosure moratorium to California, where the vast majority of foreclosures are conducted without a court order.   • Non-judicial foreclosures in California, however, do have legal requirements that lenders must follow. For example, California law requires that le... 10/14/2010

  Los Angeles... West Hills,  CA Weather Report For other cities or for additional details, visit the National Weather Service.   Listingbook 7-Day Forecast This weather report was generated October 11, 2010, 12:10 am Mon Tue Wed Thu Fri Sat Sun Hi 83° Hi 82° Hi 85° Hi 85° Hi 84° Hi 79° Hi 77° Lo 63° Lo 63° Lo 63° Lo 62° Lo 60° Lo 59° Lo --°                 Weather Summary Monday: Sunny with a high of 83° and a low of 63°           Tuesday: Mostly sunny with a high of 82° and a low of 63°           Wednesday: Mostly sunny with a high of 85° and a low of 63°           Thursday: Partly sunny with a high of 85° and a low of 62°           Friday: Patchy fog with a high of 84° and a low of 60°           Saturday: Patchy fog with a high of 79° and a low of 59°           Sunday: Mostly sunny w... 10/11/2010

 Hummingbirds love pineapple sage and purple sage for breakfast....Bon appetit ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~  The market is coming back but at this time you still have a very good opportunity to purchase a property at a very reasonable price  My business is the result of the support and referrals from people like you.... Thank you!                            Here for you before, during and after.                                          Esperanza Butler  (818) 926-5425             10/09/2010

 Good evening This is love.... Thanks for the end of another day!  Yesterday is history, tomorrow is a mystery, today is a gift that's way it is called the present. ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~  The market is coming back but at this time you still have a very good opportunity to purchase a property at a very reasonable price  My business is the result of the support and referrals from people like you.... Thank you!                            Here for you before, during and after.                                          Esperanza Butler  (818) 926-5425           10/08/2010