Casi todas las casas a la venta REO (Real Estate Owned - pertenecientes a bancos) están desbaratadas, sucias y apestosas. Es por eso que los bancos las venden baratas. El problema es que los compradores financiados no pueden comprar casas con hoyos en las paredes, ventanas rotas, baños que faltan, alfombras sucias, etc. O los compradores no tienen el dinero para las reparaciones. Por eso, el préstamo 203K de la Federal Housing Administration (FHA) es la respuesta perfecta para los REOs. El préstamo 203K es en realidad dos préstamos en uno, un préstamo para comprar la casa, y un préstamo para reparaciónes. Requisitos para el 203K: 1) a) el comprador debe calificar para la cantidad que vale la casa, y b) la cantidad de renovación, y 2) la casa debe valorarse por la cantidad total, a + b. ... 03/11/2010

Well it has been a while since my last post. Just took a trip to Washinton DC for vacation and family time.  Places and Spaces was taken at 30,000 feet during that excursion.  I thought it would be a nice post just by itself. It is always nice to go away even if it is for a short time. The thing I enjoyed most about my trip was dinning.  Georgetown has some fabulous restaurants not to mention the shopping. Atlantic seafood and fish is like no other. I ate bluefish, and had atlantic swordfish, just mouth watering. Very upscale and fashion conscious so of course I shopped also.  DC weather is very humid compared to the eastbay which is where I am now.  So was it a bit of R & R?  Yes it was and we all need that every now and again. I love real estate because you can take that vacation when... 06/10/2009

06/10/2009

Today is a special day that we set aside to honor & recognize all mothers all over the countryside.  It's funny, how we select a DAY to recognize people and events that are important in out lives.  It's almost as if the other 364 DAYS in the year we wait for that Special Day to come IN ANTICIPATION OF IT! Let us never forget, that if it were not for MOMS, NO ONE of us would be here!!!   WHO HERE DOES NOT HAVE a MOM?  We would'nt have comfort food, someone to hug us when we hurt, no one to feed us when we are hungry, no one to tell us we are fine when we don't feel so fine.  A MOM keeps everyone and everything in the house  your MOST-est Special Place to be in the World!!!!!, she's the nurse when everyone is sick, she finds all that is lost, she makes everything all better no matter how ... 05/10/2009

I became a real estate broker after 27 years as a registered nurse.  Real estate has always had some fascination for me. As a child my father rented out rooms in various apartments we lived in. My father purchased his first piece of land when I was 17 years old.  Before I had a chance to enjoy it or grow something on it he sold for 4 times what he paid for it. So it only made sense that real estate would have a place in my world. I toiled as a residential sales associate on the east coast, doing rentals and single family new construction.  The past 4 years I have been originating loans, buying, selling and renovatiing single family and rental property. As a nurse I have enjoyed taking meticulous care of people burdened by injury and illness. People make some very difficult desicions whe... 05/02/2009

To help protect yourself and your family during this outbreak, go to the CDC website to view health guidelines, a list of frequently asked questions, and symptoms to watch for. Here is the link  http://www.cdc.gov/h1n1flu/ and other helpful information.If you're concerned that you or a family member has contracted the H1N1 fluSymptoms of the H1N1 flu are similar to common flu symptoms-coughing, sore throat, body aches, headache, and fatigue. If you experience mild symptoms, stay home from work or school.  However, if you have a fever of more than 102 degrees, you should contact your personal physician as soon as possible. He or she will be able to help determine whether testing or treatment is needed for the H1N1 flu. If you experience a serious condition that you believe could be an em... 05/02/2009