Corona, Ca Do It Yourself Loan Modification: Part 2   Do It Yourself Loan Modification  step 6: So now you have gathered your documents and filled out your financial worksheet. Take a good look at the numbers. Do they make sense? If you have $3000 in income a month but have $5000 in expenses, for instance, make sure this is accurate. If you do not feel that you are negative $2000 a month then perhaps there is some income that you omitted. Make sure that you have included all income and expenses to give a clear picture. Reviewing this information is crucial to a succesful Do It Yourself Loan Modification so take your time with this.                                                                                             Do It Yourself Loan Modification step 7: Once you are sure you ha... 09/23/2009

Corona, Ca Do It Yourself Loan Modification: Step by Step Guide to processing your own loan modification. Part 1 Do It Yourself Loan Modification step 1: Now I must warn you step 1 can be the most trying part of doing your own loan modification but remember, when you Do it Yourself you save money and gain control of your loan modification and your home so do not let this first step scare you off. The first thing you want to do to process your loan modification is figure out your income. Gather pay stubs for everyone who works in the family and contributes to the mortgage. You want to figure out the net (what is brought home after taxes and deductions).  There is a trick to this depending on how you get paid. Let's say for instance you bring home $500 every 2 weeks. You may be tempted t... 09/23/2009

  EASY VANITY MAKEOVER Getting tired of all that builder's grade oak?  Don't have the budget to replace or reface?  It's an easy project for just about anyone if you have the time and inclination.  Below is an example of how a little bit of change goes a long way. Before                  An oil based stain was used for this project instead of paint.  Stain gives cheap looking cabinets a richer look and is easy to work with.  It does smell and takes a bit longer to dry than paint but the look is worth it. As it drys, it gets tacky, so you can keep brushing until you get the look and finish you are pleased with and any imperfections look natural.  This color is Sherwin Williams Bistro Walnut.  So how much did this project cost and how long did it take?  Here's the breakdown. SW Bistro Wal... 09/16/2009

Corona, Ca Short Sale vs. Foreclosure: 5 Reasons to Choose a Short Sale over a Foreclosure.                                                            Falling behind on mortgage payments is an unpleasant feeling but doing nothing about it and ending up losing your home to Foreclosure is not the best solution. Here are the top reasons why a short sale can help you and your family.                                                                                                              Your future home purchasing power: Just because things are bad now doesn't mean they will be this way forever. If a short sale is successfully negotiated, a homeowner can qualify for a Fannie Mae home loan in as little as 2 years.  On the other hand, a homeowner with a foreclosure on their record will be... 09/15/2009

The months of supply of homes for sale is extremely low for single family homes in Corona (92880). From this time last year, the supply of homes for sale has decreased by 73%. We currently have a supply of 1.5 months of homes available for buyers. The supply and demand for single family homes in Corona 92880 also shows us that the number of single family homes for sale is down 60%, the demand for single family homes is also down by 10% since this same time last year. Demand for homes continues however to outpace the supply. Over the past year the median sales price has decreased by only 1%, which is only $5000. Since last year, the average days on the market has increased by 7%, which adds four more days to time on the market. So what does all this mean for you? It means that if you are... 09/15/2009

  CHRISTMAS IN JULY...AUGUST...SEPTEMBER... Yes, it's time once more for my rant about year round holiday lighting.... Moving here six years ago from the Midwest, it was an adjustment around holiday time.  Palm trees and 80-90 degree temperatures made it quite hard for me to get in the Christmas spirit. Even after all this time, it is strange. It seems others here do not have this problem and they celebrate the season throughout the year... year after year.  They love it so much that they continue the celebration even when their home is on the market.  The icicles may project a feeling of coolness in 100 degree heat but let's face it, they are not that attractive in the light of day, especially in the off season.  They remind me more of dirty spaghetti than icicles. This particular hom... 09/10/2009

As we all know, the world of social media continues to grow and seems to dominate the decision making process for buyers and sellers alike.  I think the video link below illustrates the power and future growth potential of Social Media and evidences the need for real estate professionals to lead the way in harnessing the power of this awesome tool. http://www.youtube.com/watch?v=D08URtovG5s&feature=related If you're a buyer or seller I'm here to help you! There's never been a better time to buy a home in Corona, let me show you how! Kym Talbert Prudential California Realty 951-316-1941 or KymTalbert@aol.com or http://www.KymTalbert.com See me on Facebook: http://www.facebook.com/kym.talbert Follow me on Twitter: http://www.Twitter.com/KymTalbert Join me on LinkedIn: http://www.linkedin.... 09/09/2009

Hi Neighbors!   Sunday, August 30 at The Shops At Dos Lagos, there will be a collection site to dispose of your E-Waste.  This is the place to take your old computers, cell phones, game systems.....  Keep it out of the landfill and get it out of that closet.   Do some shopping at the same time. 08/29/2009

I can't believe that it is almost the end of August!  I'm seeing Halloween items in the store and the Back To School Sales are almost over.  Time really does go faster and faster as we age.  I have a theory about that.  (Not an original one to be sure!)   The longer you live, the shorter a year is in relation to your age... so when you are 5 a year is 20% of your whole life! When you are 20 it's only 5%, and when you are my age its 1.8% of my whole life.  (You do the math! I'm not going to tell.) I haven't been to the beach once yet this summer and on Saturday I am taking a continuing education class all day!  So you know what I'm going to do?  Tomorrow I'm taking the day off to go to the beach, with my dog, my husband (if he'll go) and a good book! Sounds wonderful doesn't it? One of t... 08/20/2009

ARE YOU LOOKING FOR SOMETHING FUN & FREE TO DO? The City of Corona Parks and Community Services Department is hosting FAMILY MOVIE NIGHTS Join your neighbors and friends for an old-fashioned movie night event! Yes folks, bring your friends and family and remember what it was like to watch a movie outdoors. Movies begin at dusk which varies from week to week, so please arrive by 7:00 pm to experience the full program.  In August, bring your lawn chairs and blankets to Dos Lagos Lakeside Garden Retreats,(North of the Promenade Shops at Dos Lagos).  For your dining pleasure, choose from several popular restaurants Thursday August 20th - Kung Fu Panda Thursday August 27 - Igor See you there!!!   08/11/2009

So today is the last day of my first full week on ActiveRain.  How cool is this, I'm already on the first page of my google and yahoo searches when I search "reverse mortgage corona" which I am convinced will help to make me the "go to gal" for reverse mortgages here in the Inland Empire. I am going to hook up with Aaron at AR to figure out why the toolbar on my outside blog doesn't work (I think it's because this laptop is running Internet Explorer 6... aaargh....!)  I need to cough up some dough and buy a personal laptop for this stuff, rather than to overwork my poor company laptop.  I put it through a lot believe me.  I want to learn how to insert pictures and clip art, so maybe I'll play with that tomorrow.... or go to the beach! Anyway, I'm loving the AR thing and am determined to... 08/08/2009

I am the type of person that believes we should look at the glass half full so I am happy to report that the Corona, CA real estate market is improving.  Lets get some good press out to the public and let them know that things will turn around.  Here are some facts:   Month#                               Units                           Median Price                            Days on Market Jul-09 862 329,000 99   Jun-09 1,006 329,850 110   May-09 1,108 325,950 119   Apr-09 1,335 329,000 116   Mar-09 1,570 321,950 115   Feb-09 1,682 324,900 116   Jan-09 1,884 328,900 124   Dec-08 1,970 330,000 129   Nov-08 2,131 330,900 119   Oct-08 2,375 339,000 113   Sep-08 2,473 349,900 113   Aug-08 2,513 354,000 113   Jul-08 2,667 360,000 108 The number of homes for sale are down 68% but the median p... 08/06/2009

We love summer and all the great things you can do in Corona for FREE! Here are two fun things to do this weekend! If you have not gone to the Farmers Market yet, give it a try. It happens every Saturday from 8:30 am -12:30 pm at Main and Rincon at the Marketplace. There is a huge variety of locally grown produce at good prices. Come early for the best selection. Also on Saturday, another free concert at Dos Lagos, 2870 Cabot Drive, Corona. This week feature is Heartbreakers Tribute to Pat Benatar. Show starts at 7pm, and is F*R*E*E! information provided by: Liane Thomas, REALTOR®, CDPE©Serving Corona, Norco, Riverside, and surrounding communities(951) 454-3805www.AllCoronaHomes.comwww.FreeNorcoHomeSearch.comwww.FreeRiversideHomeSearch.comLiane@LianeThomas.com Ca DRE #01704162 08/05/2009

Real Estate in the Sierra Del Oro neighborhood of Corona, California is RED HOT right now! The terrific prices coupled with some of the lowest interest rates in history have enticed many homebuyers to jump off the fence and into home ownership.  I'm sure that Sierra Del Oro's central location to Orange, Riverside, San Bernardino, and Los Angeles Counties doesn't hurt either.  There are many more buyers than available homes right now. This means that each time a new listing becomes available, there are multiple buyers bidding to purchase the home. If you're searching homes for sale in Sierra Del Oro, be prepared to act quickly when you see the right home hit the market. The real estate agent you choose should have a good grasp on the homes for sale, as well as homes that may not be for s... 08/03/2009

Please help our local kids in need by donating to The Foundation for Community and Family Health today. They regularly help families in need by providing hygiene products, clothes, and books free of charge.  Right now, they are in special need of the following items:  Soap, Shampoo, Deodorant, Toothpaste, Laundry Soap, Diapers, Clothes (for children 3-18 years of age), and books. You may bring or send your donation to them at: The Foundation for Community and Family Health 815 W. Sixth Street, Suite 110 – Corona, CA 92882 Located in the Historic Civic Center (Sixth/Vicentia) 951-270-0522 A 501 (c)(3) non profit organization. Tax ID #33-0071575 I'm sure they can use all the help you provide, Cameron Novak Corona & Riverside Real Estate Agents The Homefinding CenterTM Corona, California 9... 08/03/2009

Here is a look at what is happening as of August 3, 2009 in residential real estate in Corona, CA.  There are currently 523 active listings for single family homes for sale (condos are not included in the information in this blog).  The information below is organized by Corona CA zip codes.  The average list price of sold homes shows the average price as listed on the multiple listing service and the average sold price shows the average actual sales prices. 92879 July 2009 Number of houses for sale 90 Number of houses in escrow 137 Number of sold houses 42 Average list price of sold houses $238,643 Average sold price of houses $240,112   92880 July 2009 Number of houses for sale 135 Number of houses in escrow 302 Number of sold houses 84 Average list price of sold houses $344,241 Averag... 08/03/2009

Corona City Council Meeting, August 5th Please join us this Wednesday at the City Council Chambers @ 400 South Vicentia, Corona, 7pm for the Corona City Council Meeting. We'll be discussing city Ordinance No. 3005, Ordinance No. 3006, Ordinance No. 3007, Ordinace No. 3008, and Ordinance No. 3009.  We'll also be discussing Corona Community Development Block Grant for job creation by Vantage Vehicle International, Inc., as well as several other pressing items relating to the City of Corona. Hope to see you there, Cameron Novak Corona & Riverside Short Sale Agents The Homefinding CenterTM Corona, California 951-212-7479     08/03/2009

  "...that is why I am standing in front of you today, I may fail, but I'm failing at the right thing." Melissa D'Arabian. I heard this phrase recently from the winner of The Next Food Network Star, while she was in the midst of competition. Wow I thought, that is a statement.  I think it sums it up for many who choose to start their own business and those who choose to follow their passion and dream.  Think back on some of the reasons you started your business.  What motivated the idea and what was the journey you took to get to that idea?  In there lies the answer, for me anyway, on how to run my business and set my goals.  All the things I would never do.  How I would structure. How I would and would not treat clients and employees; how much money would I be satisfied with. The list ... 08/03/2009

Reverse Mortgages are a type of home loan.  Most reverse mortgages are a HUD/FHA insured home loan that allows you to liquidate some of your equity in order to payoff existing mortgages as well as generate additional cash flow.  They are called HECM Loans.  HECM stands for Home Equity Conversion Mortgage. There are 2 types of HECM Loans. HECM Standard (higher loan amounts and 2% Upfront MIP*) HECM Saver (reduced loan amounts and .01% Upfront MIP*) Each of those two types of HECM's come in the following varieties:  Fixed (Closed End) and Adjustable (Open Ended) and can be used for refinancing or purchasing your primary residence. Reverse Mortgages are regulated and insured by the Federal Housing Administration (FHA).  By law, you can never be forced to sell your home of move.  You will a... 08/02/2009

Many times a home's best features are those that need no Staging at all.  It's under our very noses but is so heavily clothed, it escapes us.  So which would you rather see?   This formal living room was the first thing you saw upon entry to this home.  It is directly in front of the foyer.  Nice you say... And this was what you saw directly outside the formal living room French doors once you got past drapes, blinds and patio umbrella. Sometimes it's best to go naked.  Heavy drapery, blinds and obstructions can bring a property down.  When showing and Staging, these are things that are best gotten rid of immediately.  Pull them up or pull them down. All you need after that are REALLY clean windows! AccentPositives offers effective and economical consultations on sight and online.  We s... 07/29/2009