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To get an instant uncomplicated  idea of what is happening here is a condensed overview list of CLOSED Sales. Santa Cruz117 Pryce St.: $478,0001824 King St.: $510,000143 Ladera St.: $518,000202 Berkshire Ave.: $525,000519 Pine St.: $549,000 Santa Cruz County228 Treasure Island Ave., Seacliff: $49...
Currently  when you look at the entire Santa Cruz County you will observe that 42% of the listings are Short Sales. The numbers are rising and I don't see it getting better. It serves you to hire an agent that is a skilled short sale expert. NOT an agent that is a glorified Front Man. God love'em...
2 years ago I could easily have answered that the buyer's home inspection is generally done within the 2nd day to the 14th day of when the purchase contract has been executed by both the buyer and seller. But in today's market 55% of the Santa Cruz County real estate transactions are Short-Sales....
You may have forgotten something huge!  You have to know this BEFORE YOU PROCEED WITH ANOTHER SHORT SALE. Selling/Buyers Agent go right now and read the description of your duties in the Agency Disclosure.  It says "You have a duty of honest and fair dealing and good faith."  Translation: When yo...
"What happens to the difference?" is definitely the most common question my Santa Cruz County Short Sale clients asks prior to attempting a short sale.  Jack Schakett, Bank of America senior vice president for credit loss and mitigation strategies, said this week that if a borrower proves he can ...
I wanted to update you on some revised Fannie Mae guidelines this month of August 2010. This will probably affect numerous agents out there right before trying to close a Short Sale transaction. In my Santa Cruz County Short Sales business you alwyays see the changing playing field and you shoul...
After a Santa Cruz County short sale transaction is complete, the lender is going to report to the three credit bureaus. The lender(s) inform Equifax, Transunion and Experian that a short sale was conducted on the loan(s), as opposed to a full payoff.  Although lenders are constantly changing the...
I want to help you stay up-to-date on the never ending changes at CHASE. Their documentation to process your short-sale changed this month and it caught me off guard . . . and I am a Short-Sale Expert in Santa Cruz County, who works with CHASE . . . a lot. If you have used CHASE Info Packet that ...
If you have a Wachovia loan in SANTA CRUZ COUNTY, and you're nearing the decision to do a short sale, don't wait.  While Wachovia is still one of the better banks to deal with, things are changing.  Wachovia representaitves are warning us of big policy changes.  It used to be folks would kick int...
Foreclosure on a Santa Cruz County home has consequences for the family, the community, the housing market, and the economy. However, the option for a short sale provides a way for troubled homeowners to prevent foreclosure and many of the dire penalties involved. A short sale is an agreement in ...

Patti Lyles

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