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Ontario, CA Real Estate News

By Devona Garrigus, REALTOR® / Short Sale Specialist
(Garrigus Real Estate)
REAL ESTATE SHORT SALE FORMULA (Read this article first, then click on the link above) Do I Qualify for a Real Estate Short Sale in Ontario CA? So you're considering a real estate short sale for your Ontario, California Home….. Either you are near default or have already missed mortgage payments, and you are undoubtedly under-water on what you owe on the Ontario home compared to what it is currently worth. We see this every day from people of all aspects of life and economic backgrounds. We know it's a difficult and daunting position to be in. We know there is so much information out there that its difficult to decipher what is correct, and what isn't.... and who to trust. We also know its embarrassing. We've been in similar situations ourselves, and we'd like to discreetly help you av...
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By Janine Kirchnavy, The Kirchnavy Team
(44Realty Corporation)
    Whether you’re a renter, prospective homebuyer or you’re a homeowner struggling with your mortgage, www.KnowYourOptions.com can help. We’ve made it easy to find the information you need with tips and tools to help you every step of the way   Have little or no equity and want to refinance? HARP can help!If you've been unable to take advantage of today's low interest rates because the value of your home has declined, you now may be eligible to refinance based on recent changes to the Home Affordable Refinance Program (HARP).   Attention military—special help is available!   If you’re facing a financial hardship due to a death or injury of a service member on active duty or you've received Permanent Change of Station (PCS) orders, you may be eligible for mortgage assistance programs t...
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By Janine Kirchnavy, The Kirchnavy Team
(44Realty Corporation)
Close to 18% of U.S. homeowners who are current on their mortgage payments are classified as underwater, setting the stage for additional defaults if home prices fall deeper, Lender Processing Services (LPS) said in its July Mortgage Monitor Report. The mortgage technology firm said mortgage delinquencies are down 30% from the peak established in January 2010.  LPS said there is a direct link between negative equity and new problem home loans, and risks remain if home prices decline. "As negative equity increases, we see corresponding increases in the number of new problem loans," LPS said Monday. "In Nevada and Florida, two of the states with the highest percentage of underwater borrowers, more than 3% of borrowers who were up to date on their payments are 60 or more days delinquent s...
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By Janine Kirchnavy, The Kirchnavy Team
(44Realty Corporation)
The Short Sale Market:  In today's housing market, 1 in 3 sales are a short sale, and that number is only rising. What is a Short Sale?  A short sale is when a lender allows a homeowner to sell their home for less than what is owed on their existing mortgage.  In most cases, and with the right listing agent representing you, you can also have all of your debt forgiven for your mortgage.   Short sales are beneficial to homeowners as well as lenders. Lenders often receive more money for short sales than foreclosures, and they do not need to be involved with property upkeep and disposal. Short sale houses are generally in better condition than foreclosures because the homeowners want to sell their properties as fast as possible Hire A Qualified Short Sale Expert: Lenders have many differen...
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By Janine Kirchnavy, The Kirchnavy Team
(44Realty Corporation)
How to Qualify for a Short Sale   The depressed value of the house is the most obvious requirement for a lender to approve a short sale, however,  the homeowner has to meet other qualifications as well. There must be a financial hardship. Lenders only recognize certain hardships when approving a short sale. These include: chronic illness, job loss, death of a borrower, divorce, incarceration, military deployment or involuntary job relocation Some lenders will consider approval if there is a new addition to the family such as a new baby or an elderly family member; other lenders will not recognize these situations. Hire A Qualified Short Sale Expert Lenders have many different short sale processes and agents who are familiar with these are much better suited to negotiate with your lender...
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By Janine Kirchnavy, The Kirchnavy Team
(44Realty Corporation)
Short Sale vs. Foreclosure If you’re having trouble making your mortgage payments every month, and if you have not been successful getting your loan rates refinanced or reduced to an affordable rate, then a short sale may be the best option for you. In both cases, foreclosure and short sale; you will no longer own the property at the end of the process; but a short sale generally only affects your credit for about two years, whereas a foreclosure will hit your credit for seven or more years. Furthermore, many banks and government programs offer homeowners financial assistance completing the sale and even help with moving costs. Don’t expect this treatment when you are foreclosed on. FICO scores for home sellers in a short sale can typically fall 150 points or more, complicating sellers...
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By Janine Kirchnavy, The Kirchnavy Team
(44Realty Corporation)
  With rates for 30-year mortgages hovering below 4 percent since last October, all kinds of homeowners are trying to get their monthly mortgages reduced, say lenders and mortgage experts. Along with months of record-breaking low interest rates, other factors are driving the refinancing boom: a competitive lending market and changes in some federal refinancing programs for struggling homeowners.  It's prompted many established homeowners with old-school, high-interest mortgages to decide it's time to refi. To determine whether you should refinance, look at how long you plan to be in your current home and whether the upfront costs outweigh the monthly savings.  Generally the primary reasons for refinancing a mortgage are to: Lower monthly mortgage payments.  Eliminate the unpredictabilit...
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By Janine Kirchnavy, The Kirchnavy Team
(44Realty Corporation)
If you have trouble viewing this email, please read the online version.   CoreLogic® released new analysis showing that 10.8 million, or 22.3 percent, of all residential properties with a mortgage were in negative equity at the end of the second quarter of 2012. This is down from 11.4 million properties, or 23.7 percent, at the end of the first quarter of 2012. An additional 2.3 million borrowers possessed less than 5 percent equity in their home, referred to as near-negative equity, at the end of the second quarter. Approximately 600,000 borrowers reached a state of positive equity at the end of the second quarter of 2012, adding to the more than 700,000 borrowers that moved into positive equity in the first quarter of this year. Negative equity, often referred to as "underwater" or "...
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By Devona Garrigus, REALTOR® / Short Sale Specialist
(Garrigus Real Estate)
SHORT SALE ONTARIO CA REAL ESTATE SHORT SALE AGENTS - ONTARIO CA Times are tough, and many distressed homeowners in Ontario California are having trouble paying their mortgages every month. Are you one of them? Are you behind on your mortgage payments now? Are you in danger of missing a mortgage payment? Don't let foreclosure happen to you- explore the Ontario CA Short Sale Option instead, but don’t wait; the biggest killer of the short sale negotiation is waiting until it’s too late to process the short sale. You’re also going to want to hire the best Ontario CA Short Sale team in Southern California to help you with your difficult situation, at NO CHARGE TO YOU! We do not charge you for our real estate short sale services: we collect our commission from the bank’s proceeds. You pay no...
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By Janine Kirchnavy, The Kirchnavy Team
(44Realty Corporation)
Feedback Print Share & Bookmark Font Size:-+ Ontario's National Night Out   Date:8/7/2012 Location:Your NeighborhoodOntario, California 91761 Add to my Calendar You may start registering your block parties for this year's Ontario National Night Out: • Ontario Night Out 2012 Registration• Ontario Night Out 2012 Party Guide• Event Flyer Ontario's National Night Out is scheduled for Tuesday, August 7, 2012. Ontario's National Night Out is one of the city's largest community events and the pride and joy of Ontario's Neighborhood Watch Program. This event is a celebration of the unity in our neighborhoods, and partnerships with the police department and other city and county agencies. National Night Out is designed to: (1) Heighten crime and drug prevention awareness; (2) Generate support f...
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THE MOST IMPORTANT ONTARIO SHORT SALE DO'S AND DON'TS | SHORT SALE TIPS FOR ONTARIO CA HOME SELLERS Do educate yourself. This is THE most important thing you can do. Ontario CA Short sales can be complicated. You need every bit of information you can get when you jump into the short sale process.   Don’t wait until it’s too late. If you drag your feet and hide from the fact that you’ve stopped making mortgage payments, it will cost your credit rating and it will put any chances of a Ontario short sale in risk.   Do be diligent. There have been very closable Ontario California short sales that fail because the Ontario homeowners either stop responding to their agents, stop returning paperwork, stop returning phone calls, stop caring, etc. It can be a difficult process, but at the end of ...
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By Luis Iniguez, Search Inland Empire Homes For Sale - Short Sale Agent
(Option One Real Estate)
R.S.V.P. The New Inland Empire  HOPE AND REVITALIZATION  Big Summer Mixer Date: Wednesday July 25, 2012 Location: Radisson Hotel, 2200 E. Holt Blvd., Ontario, CA 91761 2:30 - 5:30 pm Business Seminars: Procurement, Certification, Access to Capital, Home Preservation 5:30 - 7:30 pm Music, Buffet Dinner, Trivia for Prizes, Networking, Business Expo 7:30 pm - 1:00 am Salsa Dancing, Entertainment, Karaoke Questions or Booth Sales: Patricia de Santos 909-450-9944 or Lorraine 951-534-1856 R.S.V.P. Click for a printable flyer to share with your associates FREE to all
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By Luis Iniguez, Search Inland Empire Homes For Sale - Short Sale Agent
(Option One Real Estate)
SHORT SALE.. SUBJECT TO LENDER APPROVAL.. WOW!! LOOK AT THIS WONDERFUL HOME WAITING FOR ITS NEW FAMILY.. HOME FEATURES 5 BEDROOMS, 4 BATHS LOCATED IN A QUIET CUL-DE-SAC. YOU ARE WELCOMED BY A BEAUTIFUL FORMAL LIVING ROOM WITH A COZY FIREPLACE. LARGE DINING ROOM AND KITCHEN WITH PLENTY OF CABINET SPACE. SEPERATE DEN WITH VAULTED CEILINGS ARE PERFECT FOR THOSE QUIET EVENINGS / FAMILY GATHERINGS. HOME ALSO INCLUDES A PERMITTED, PRIVATE 2 BEDROOMS, 1 BATH MOTHER IN LAW QUARTERS ADDITION WITH ITS SEPERATE KITCHEN, SITTING AREA AND A PRIVATE STAIRCASE ACCESS!! LARGE BACKYARD WITH ENCLOSED POOL AND SPA IS PERFECT FOR THOSE HOT SUMMER DAYS TO COOL OFF.. SPACE IN BACKYARD PERMITS FOR FUTURE RV ACCESS.. AND MUCH, MUCH MORE.. THIS HOME IS A MUST SEE!!.. HOME IS SOLD AS IS PRESENT CONDITION, BUYER ...
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By Luis Iniguez, Search Inland Empire Homes For Sale - Short Sale Agent
(Option One Real Estate)
Don't miss this great opportunity to own a home in this great neighborhood. This home is centrally located with easy access to freeways, shops, businesses, police station and right across the desired Mountain View Elementary School and near the Whispering Lakes Golf Course. 2 bedrooms downstairs and 2 bedrooms upstairs plus a bonus room, a spacious living room, dining area, family room, breakfast area and a large side and backyard with covered patio. Lots of potential. Full Details http://www.iehouses4sale.com/listing/mlsid/301/propertyid/C12077622/syndicated/1/cgltguid/079EFBFA-CDB8-4D75-B265-33FBCC250EE4/?ts=crg Listing Courtesy of ELIZABETH EUGENIO DRE:01126934, CENTURY 21 KING
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By Luis Iniguez, Search Inland Empire Homes For Sale - Short Sale Agent
(Option One Real Estate)
BUYERS PLEASE HURRY... THIS IS A HARD TO FIND STANDARD SALE... ABSOLUTELY GORGEOUS IN & OUT... SELLERS HAVE REALLY PUT IN A LOT OF LOVE, WORK & MONEY IN TO THIS HOME... IT HAS A GREAT KITCHEN WITH GRANITE, NICE TILE THROUGHOUT, BEAUTYFUL YARD & MUCH MUCH MORE... MUST SEE TO APRECIATE... Full Details http://www.iehouses4sale.com/listing/mlsid/301/propertyid/I12070641/syndicated/1/cgltguid/86FDB78C-6F4F-4A50-907F-3EBDC84C63DA/?ts=crg Listing Courtesy of IZZY MARTINEZ DRE:1366528, RE/MAX CHAMPIONS
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By Janine Kirchnavy, The Kirchnavy Team
(44Realty Corporation)
It's safe to sell your house again While analysts debate when the housing market will hit bottom, for a surprising number of cities the turnaround has already begun.  Prices rose in 109 of the 384 metro areas tracked by data firm CoreLogic and things are looking up in the city of Ontario, California.   For years, buyers were scared of overpaying for a home.  Today's home buyer are more realistic and have a better understanding of true value; they may start bidding around 10 percent to 15 percent below list price, but quickly learn that sometimes paying full price is still a good deal.  Its a hard lesson to learn when negotiating too hard, or too long results in losing the home to another buyer, who is willing to pay what the Seller is asking.   Sellers can hold firm on price if they’re ...
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By Janine Kirchnavy, The Kirchnavy Team
(44Realty Corporation)
Help Keep Ontario Clean!   Report Graffiti Report any graffiti in the neighborhood. Please call our hotline or fill out our fast and Easy Online Graffiti Form! (909) 395-2626     Shopping Cart Retrieval Do you have shopping carts around your area? For shopping cart retrieval please call: California Shopping Cart Retrieval Corp. 24 hours a day/7 days a week hotline 1-800-252-4613
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By Janine Kirchnavy, The Kirchnavy Team
(44Realty Corporation)
The City is pleased to announce an increase in the allowable number of yard sales per year from only two weekends to now quarterly sales. Yard sale permits are NO LONGER required.   However, yard sales will only be permitted on each quarter during the year. Yard sales are not allowed at any other time of the year.   Upcoming 2012 Yard Sale Weekends are:   August 3, 4 and 5 of 2012 November 2, 3 and 4 of 2012   Important Guidelines and Requirements   Only one double-faced sign, not to exceed six (6) square feet in area on any one side, shall be permitted on the property where such sale is located. Such sign may be posted only on the day of the sale. Signs are NOT permitted on City light poles, telephone poles or vehicles.   Garage or yard sale shall mean any event where items of personal...
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By Luis Iniguez, Search Inland Empire Homes For Sale - Short Sale Agent
(Option One Real Estate)
This lovely home has been completely remodeled!!!! Brand New Kitchen with with New Appliances...Brand new Wood flooring!! Brand New Carpet! New Tile flooring!! New Bathrooms!!!New Doors!! Great home for a first time buyer!! Full Details http://www.iehouses4sale.com/listing/mlsid/301/propertyid/C12071052/syndicated/1/cgltguid/E84C7B20-46D5-4A01-9034-69361C9AA28B/?ts=crg Listing Courtesy of ALEXANDER ODDO DRE:01198905, RE/MAX CHAMPIONS
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