2768 Mendel Way, Natomas
September 4, 2011
Estoy muy contenta y orgullosa de Paul y Veronica que decidieron dejar de pagar renta y comprar su propia casa, la busqueda no fue facil lo tengo que decir, pero lo logramos, por fin encomtramos la casa que les gusto, pusimos la oferta la aceptaton.
F E L I C I D A D E S !
EL PAPEL EN LA BOCA
Cuenta una antigua leyenda que en la Edad Media un hombre honorable fue injustamente acusado de haber asesinado a una mujer.
En realidad, el verdadero asesino era una persona muy influyente del reino y por eso, desde el primer momento, se procuró buscar un chivo expiatorio para encubrir al culpable, así que el hombre honesto e inocente fue llevado a juicio, conociendo de antemano que tendría escasas o nulas oportunidades de escapar al terrible veredicto: ¡la horca!.
El juez cuidó, no obstante, de dar al juicio todo el aspecto de justicia, y por ello le dijo al acusado:
Conociendo tu fama de hombre justo y devoto del Señor vamos a dejar en manos de Él tu destino. Vamos a escribir en dos papeles separados las palabras culpable o inocente. Tú escogerás una y será la mano de Dios la que decida tu destino.
Por supuesto, los manejos corruptos habían escrito en los dos papeles la palabra ‘CULPABLE’, y la pobre víctima, aún sin conocer los detalles, se daba
cuenta de que el sistema propuesto era una trampa.
No había escapatoria.
El juez conminó al hombre a tomar uno de los papeles doblados. El hombre respiró profundamente, quedó en silencio por unos segundos, con los ojos
cerrados y, cuando la sala comenzaba a impacientarse, abrió los ojos y con una extraña sonrisa hizo su elección: tomó uno de los papeles y,
llevándolo a su boca, ¡se lo tragó rápidamente!.
Sorprendidos e indignados, los presentes protestaron airadamente:
-¿Pero qué hizo? Y ahora, ¿cómo vamos a saber el veredicto?”
Es muy sencillo -respondió el hombre-. Es cuestión de leer el papel que queda y sabremos lo que decía el que yo elegí.
Con rezongos y enojo mal disimulado debieron liberar al acusado y jamás volvieron a molestarlo.
Cuando todo parezca perdido, usa la imaginación.
“En los momentos de crisis, sólo la imaginación es más importante que el conocimiento”.
Albert Einstein
Fuente:Reflexiones para ti
Deseo comprar una casa y no se por donde comenzar
April 6, 2011
- [/youtube]
- Master Bedroom
- Compre su casa ahora!
Dicen que una casa propia es parte del gran sueño americano, pero ese sueño se puede convertir en pesadilla o frustración cuando se hace a la ligera, sin investigar, y sin conocer nuestros derechos y obligaciones.
Hacer castillos en el aire funciona sólo en los sueños, pero en el mundo real, especialmente en el mundo de las finanzas, los castillos hay que hacerlos con cimientos sólidos. ¿Qué significa esto? Algo muy sencillo, antes de salir a comprar una vivienda necesitamos saber:
- Cuánto dinero tenemos para el pago inicial, y
- Cuánto dinero nos permitirán financiar y a qué taza de interés
Eso nos ayudará a definir el costo máximo aproximado de la vivienda que podemos adquirir. Hay algunas instituciones financieras que estarían dispuestas inclusive a preaprobar un préstamo.
¿Dónde puedo conseguir un préstamo?
Wells Fargo Home Mortgage
591 Watt Ave Ste 120
Sacramento, Ca 95864
Leo Del Cid
916- 548-79 04
916-480 -22 12
Leopoldo.DelCid@wellsfargo.com
Esa aprobación puede convertirse en un instrumento de negociación, ya que hay vendedores de viviendas que prefieren hacer un contrato con quienes tienen ya un préstamo preaprobado. De esa manera no pierden su tiempo con compradores que no califican para financiamiento.
Ante todo debemos recordar que tenemos opciones y derechos, y no estamos obligados a cerrar el trato con la primera entidad financiera que nos haga una oferta. La investigación y evaluación de opciones puede resultar en ahorros significativos.
Una vivienda puede financiarse con un préstamo otorgado por un banco, también por entidades del gobierno. Quienes viven en Estados Unidos, deberían verificar si llenan los requisitos para obtener un préstamo asegurado por la Administración Federal de Vivienda (Federal Housing Administration ó FHA) o programas similares operados por el gobierno de ciudades o estados.
Algunos factores sobre el préstamo que debemos considerar
- Tasa de interés. Entre más baja la tasa de interés, más bajo debería ser el pago mensual. Pero tenga cuidado, algunas entidades financieras le pueden aumentar los gastos de cierre a cambio de una tasa de interés baja. Por ello, dedique una buena parte de su tiempo a investigar cuál es el tipo de préstamo que le conviene.
- ¿Es el interés fijo o variable? En épocas de interés bajo, le puede convenir un préstamo a interés fijo, precisamente para garantizar esa taza.
- Gastos de cierre. Las entidades financieras están obligadas a hacerle un estimado escrito de los gastos de cierre. Si no está de acuerdo, antes de comprometerse, puede negociar esos gastos o buscar otra entidad financiera.
- Busque préstamos que no impongan penalidades por pago adelantado del capital. Eso le permitirá refinanciar si los intereses bajan o pagar el préstamo sin necesidad de pagar penalidades.
- Verifique si su préstamo será transferido a otra institución financiera. Es a veces muy molesto cuando los préstamos pasan de mano en mano.
Ahora sus sueños tendrán raíce
Al llegar aqui usted y yo nos sentamos a platicar donde es que desea comprar su casa podría preparar una lista de requisitos que debería tener su casa ideal. La lista podría incluir: características del vecindario y de las escuelas, número de dormitorios, número de baños, si desea sala y comedor juntos o separados, piscina, un jardín grande o pequeño, etc. Luego podría poner esos requisitos en orden de importancia. Si sus prioridades están claras cometerá menos errores. A manera de ejemplo, si la escuela y el vecindario son su prioridad número 1 y 2, y de pronto aparece una casa bella en el sitio equivocado, esa lista le ayudará a mantener presentes sus prioridades y evitar una compra impulsiva de la que luego puede arrepentirse. Recuerde que la compra de vivienda es una de las inversiones más grandes de su vida. Por ello debe realizarla con mucho cuidado.
¿Debo usar un agente profesional de bienes raíces?
Es una excelente idea, porque usted se beneficiará de la experiencia del agente y de la información que él posee. Sin embargo, es importante que defina ciertos aspectos antes de entablar una relación con ese vendedor, tales como:
- ¿Tiene el vendedor licencia para actuar como tal?
- ¿Cuántos años de experiencia posee?
- ¿Actuará como agente suyo o de quien vende la casa, o sólo como una persona que facilita la transacción sin ser agente de ninguna de las partes? Esta información le ayudará a definir qué información proveerle a ese agente de bienes raíces.
- ¿Tiene usted que pagarle una comisión al agente de bienes raíces o se la paga quien vende la vivienda? En la mayoría de casos, la comisión la paga quien vende la vivienda, pero es importante aclararlo por escrito.
Si vive en Estados Unidos, el Departamento de Vivienda y Desarrollo Urbano de los Estados Unidos tiene información muy valiosa que se puede obtener en:
Comprar Casa En Sacramento
Source of information
Departamento de Vivienda y Desarrollo Urbano de los EEUU
Appraisals what a confusion!
December 15, 2010
WASHINGTON (Reuters) – Aaron and Beth Stiner are renters, but not by choice and not because they can’t afford to buy a house. They had a move-up home in Phoenix selected and good credit scores. They even had buyers lined up for the home they were selling. Then they entered appraisal hell.
The first appraisal on their chosen home came in at $295,000, a figure that both the Stiners and the sellers agreed upon. The lender didn’t like it, and ordered up a second appraisal. Based on comparable homes that were in a different neighborhood, the new appraisal came in $25,000 lower — too low to allow the loan to go through.
They switched lenders and got another appraisal that, at $290,000, would have allowed the deal to go through. Their new lender was skeptical, and ordered up another appraisal. At the same time, the home they were selling was appraised three times, with each subsequent valuation falling.
Four months later, the Stiners and their buyer both gave up. Together, they were out $1,600 for seven appraisals. “As a result, we are now renting our home out, and renting the home we wanted to buy,” says Beth. “We were frustrated and we weren’t going to keep doling out cash for new appraisals. It felt like a game.”
But not a fun game. There are problems in appraisal land that transcend weak housing markets and debt-ridden borrowers, and that are causing home buyers and would-be refinancers to miss out on low rates and dream houses.
“There’s been a pendulum swing in appraisals comparable to the one we’ve seen in mortgage credit, from foolishly lax to overly restrictive,” said Walt Molony of the National Association of Realtors. He reported that as recently as October, one in 10 member agents said they’d had a contract canceled as a result of a low appraisal, 13 percent said they’d had a contract delayed, and 16 percent said they’d had a contract negotiated to a lower sales price as a result of a low appraisal.
“We haven’t seen anything like what we are facing today,” said Mark Linne of Appraisal World, a company that provides automated valuation software and services to appraisal companies and lenders.
New and proposed federal rules governing appraisals, changes in the way appraisals are conducted, and a still uncertain housing market have hit the appraisal part of the process in a way that is adding to housing market instability.
Borrowers are watching their “locked in” low rates expire — while they pay for one appraisal after another. Lenders are afraid to trust the appraisals they get, and are ordering more and more of them. The appraisers themselves say they’re being paid less to work faster in a more confusing market than they’ve ever faced.
“A lot of inappropriate demands are being made,” says Patrick Gavin, the mortgage broker who was trying to find a loan for the Stiners. “Underwriters want more comparables. They want more narrative and more photos. Meanwhile the clock is tick tick ticking on your loan.”
LENDERS DEFEND APPROACH
The lenders say they are just playing defense. “We believe the property in question was appropriately valued,” said James Olecki, a spokesman for GMAC Mortgage, the Stiner’s initial lender. GMAC uses an in-house staff of appraisers to review the independent appraisals they receive.
Wells Fargo, the lender that had been approached by the Stiner’s would-be buyer, regularly asks for three appraisals and requires a “loan to value reduction” for properties located in declining markets, said Vickee Adams, a Wells Fargo spokeswoman. “Wells Fargo must ensure that the value of the collateral supports the loan amount.”
The biggest issue for appraisers, lenders and ultimately, borrowers, is how to evaluate properties in neighborhoods with foreclosures, short sales, and not enough solid sales to provide comparable data. “They are appraising a market that is so volatile and different from anything they’ve ever seen,” said Linne. “If you are an appraiser and one-third of the neighborhood is foreclosures, and another third is short sales, and another third is regular, how do you even determine what is fair market value?”
Brokers like Gavin contend that appraisers should mark up the value of homes when comparing them to foreclosures and short sales, because many of those distressed properties are in disrepair or are so complicated to buy that they command unrealistically low prices.
Further complicating the process, appraisers who for years mainly faced pressure to preserve deals, now are facing pressure in the other direction from lenders who want to make sure they have enough equity to cover them even if home prices fall further. Mortgage rates have been near record-low levels, and lenders don’t want to commit to bargain rate deals unless they are a sure thing.
“We are requesting more comparables than we have in the past,” said A. W. Pickel, an Overland Park, Kansas, mortgage banker and past president of the National Association of Mortgage Brokers. “We used to take three, but now we’re seeing four or five. Underwriters are looking carefully at how close those comparables are to the homes in question.”
Pickel said lenders are typically asking for second appraisals when the mortgage amount involved is large or when the appraiser has significantly adjusted the comparable values upward to come up with a home’s value. “And then we’re generally going to go with the one that is lower,” he said. Consumers who need the higher valuations to get their loans are just out of luck.
NEW RULES IN PLAY
The world of home appraisals changed on May 1, 2009, when Fannie Mae and Freddie Mac adopted the Home Valuation Code of Conduct. These new rules prohibited lenders from hand-picking appraisers. To comply with those rules, many lenders have started using appraisal management companies that afford them an arm’s length relationship with the appraiser. The appraisal management companies hand out assignments to their participating appraisers on a random basis. And they get a significant slice of the appraiser’s fee, cutting the amount that actually goes to the on-the-ground appraiser.
It’s not an arrangement that traditional appraisers — who may have built long-term relationships with brokers and lenders — like. “They want appraisers to produce a product and we provide a professional service,” complained Francois Gregoire, a Saint Petersburg, Florida, veteran appraiser. “And they want it turned around in 24 or 48 hours. All those personal relationships that I built over the years are out the window.”
Gregoire, who has stopped doing mortgage appraisals because he says they are no longer profitable, asserts that the new rules are resulting in a reliance on appraisers who are inexperienced and willing to travel significant distances to conduct those home inspections. And that results in appraisals that are less sensitive to neighborhood nuance, and less useful to borrowers and lenders.
CONSUMER OPTIONS ARE LIMITED
Home buyers and refinancers can’t always fight the troubling appraisal. Sheila Krueger and her husband Paul Hennings, in Glendale, Arizona, lost a loan when the home they tried to buy appraised for $60,000, though they were willing to pay $70,000 for it. “No amount of work by our Realtor and my husband to show them how this was erroneous would make a difference,” she said.
Four months after putting in their contract on the home, Krueger and Hennings abandoned their hopes of getting an inexpensive Federal Housing Administration loan and closed with an investment loan instead. “We showed up with a check for $25,000 instead of one for $3,000. And now, instead of having $1,500 every month to put into the property, we need to hold onto it for the mortgage payment,” said Sheila.
Of course, home owners and buyers aren’t always the best judge of how much their property is worth. And more rules are forthcoming: The Dodd-Frank financial reform legislation requires the Federal Reserve to protect appraisal independence with regulations that extend the intent of the 2009 code beyond Fannie and Freddie. The Fed’s interim rules, issued in October and slated to go into effect in April, aren’t very different from that 2009 code, Gregoire and other industry analyst have noted.
On December 2, several U.S. regulatory agencies issued new guidelines for appraisals used in mortgages which originate from federally regulated banks, along with a statement noting “financial institutions are responsible for selecting appraisers and people performing evaluations based on their competence, experience, and knowledge of the market and type of property being valued.” The statement also noted that these guidelines might be rewritten once again, once the Fed’s rules are made final.
In the meantime, pros are telling consumers to peer carefully over the shoulders of those appraisers. “It’s important to look at the comparable sales that were used,” says Linne. “If they don’t think they are reflective of market, make the lender aware of that, and be more involved in the process.”
If an appraisal comes in too low, the borrowers can appeal it, and order up (and pay for) another one. They still may not be able to get the loan they want, but at least they’ll know they tried. (Editing by Jim Impoco and Cynthia Osterman)
ARE THE BANKS HELPING HOMEOWNERS?
November 8, 2010
Graciella Valle
LOS ANGELES Grocery store owners William and Esperanza Casco were making enough money to stay current on their mortgage, but when CHASE offered a plan that reduced their payments, they figured they could use the extra cash and signed up.
The Cascos say they never missed a subsequent payment, so they were horrified when the bank decided the smaller payments weren’t enough and foreclosed on their modest Long Beach home.
Their story is echoed across the country by people who claim — some in lawsuits — that banks didn’t live up to their end of the deal when they agreed to trial mortgage modifications.
The suits add to a feeling among many struggling homeowners that they’re getting little help from the part of the government’s $700 billion Wall Street rescue that aimed to help them directly.
Indeed, Treasury statistics show that only about one-third of the nearly 1.4 million homeowners accepted into the government’s payment reduction program over the past year have had their reductions made permanent.
“It is extremely unfair that someone like me and my wife who have owned our home for 17 years and never missed a payment could end up in foreclosure,” Casco, 47, said in Spanish through an interpreter.
Chase spokesman Gary Kishner was unable to comment on whether Cascos had been current on their payments but insisted the bank had treated the couple fairly.
“We worked with the borrower to give him as many opportunities as possible to qualify for a modification,” he said. “However, they were not able to do so and therefore we were forced to foreclose on the property.”
Several federal lawsuits filed in Boston accuse major lenders of breach of contract under the gobernment’s Home Affordable Modification Program, in which banks agreed to participate as part of the bank bailout.
The lawsuits say the banks agreed under HAMP to grant permanent mortgage modifications to borrowers who make all payments during trial modifications .
Attorney Shennan Alexandra Kavanagh said several of the plaintiffs lost their homes after their payments reverted to their original sums that they were unable to pay. She said she believes tens of thousands of borrowers in Massachusetts alone could be covered by the suits if they get class-action status.
One of the lawsuits, against Bank Of America Corp ., was consolidated earlier this month with similar complaints in five other states, Kavanagh said.
Bank of America spokeswoman Shirley Norton said in an e-mail that the lender will continue aggressively defending itself against the cases.
More lawsuits have been filed against other lenders elsewhere.
In San Francisco, the Housing and Economic Rights Advocates legal services group sued Chase, accusing the New York bank of profiting from collecting payments during long trial modifications that ultimately end in foreclosure.
“They’re participating in the crisis they had helped to foment by refusing to honor loan modifications they had already agreed to,” said attorney James C. Sturdevant, whose firm is assisting in the lawsuit.
Chase’s Kishner said he could not comment on the pending litigation.
Joseph R. Mason, a professor at Louisiana State University’s business school who has written widely on the subprime lending debacle, said he suspects the loan modification disputes are a legacy of the federal government’s rush to stem the flow of foreclosures before it had adequate plans in place.
“These policymakers said, just go out and do this and don’t let us worry about the details,” he said. “These details are now what are coming to the fore in these modification cases.”
Laurie Maggiano, policy director at the Treasury Department’s Homeownership Preservation Office, said banks were encouraged to offer trial modifications based on interviews with borrowers about their incomes and expenses while they sorted out the paperwork to qualify for permanently reduced payments.
The banks were under no obligation to make trial modifications permanent until this June, when new regulations stopped loan servicers from offering the trials based on stated income, Maggiano said.
Now, incomes and other details are being fully vetted before trial periods, and borrowers are preapproved for a permanent modification as long as they make three trial period payments, she said.
She also said banks are only obliged to grant modifications if the investors who hold the mortgages also benefit from the modification, as mandated by the October 2008 legislation approving the bailout.
Those explanations provide little comfort to the Cascos.
“I think that banks are playing games with us,” William Casco said.
Casco said his montly mortgage payments to Washington Mutual Inc. went up to $2,765 when he refinanced his home in 2006 to pay for a new a meat counter at his store in the industrial Los Angeles suburb of South Gate.
Chase was in the process of acquiring Washington Mutual in January 2009 when Casco said it sent a note telling him he qualified for a lower forbearance rate. The El Salvador native sent the tax returns and business documents the bank was requesting.
His payment was reduced to $1,250, where it remained for several months until Chase told him to apply for a trial loan modification.
Again, Casco said, he sent Chase the documentation they requested. His payment rose to $2,363 in June, then returned to the forbearance rate in October.
Casco said he continued paying what he was asked until August 2010, when Chase told his family that they were $50,000 behind on their payments and put them into foreclosure.
The home has since been sold and Casco is currently fighting eviction. That has him considering joining an existing lawsuit against the bank or seeking support to file a suit on his own.
“I’m determined to do whatever it takes in order to keep my house,” he said. “I feel that a great injustice has been done to my family.”
Arabes millonarios
September 3, 2009
Árabes millonarios gastan más 12.000 millones dólares en sus vacaciones
DUBAI.- Los árabes de los ricos países petroleros del golfo Pérsico gastan más de 12.000 millones de dólares anualmente en sus vacaciones al extranjero, publica hoy la prensa de los Emiratos Árabes Unidos.
“Según la Organización Turística Mundial, los turistas árabes de los estados del golfo Pérsico gastan más de 12.000 millones de dólares en sus vacaciones en el extranjero, lo que les hace un mercado muy seductor”, dijo Chris Chackal, organizador del Arabian Travel Market, el evento regional de turismo más importante, que se celebra todos los años en Dubai.
Chackal, según recoge la prensa, detalló que “Arabia Saudí es uno de los mercados más importantes de turismo ya que los saudíes gastan 6.700 millones anualmente en viajes al extranjero, lo que representa un 5 por ciento del Producto Nacional Bruto del país”.
“Los viajeros de Emiratos Árabes Unidos gastan más de 4.900 millones de dólares al año, una media de 1.700 dólares por viaje, que es 500 dólares más que europea”
Londres sigue siendo el destino más visitado por los viajeros del golfo Pérsico entre los destinos europeos, según las estadísticas citadas por las publicaciones.
Fuente: Agencia EFE.
Wowww, a mi me toca ver cientos de familias perdiendo sus propiedades, llorandole al Banco para que no les quite sus casas para sus hijos, mientras estos señores se dan la gran vida, que opinan ustedes?
Y si que es injusta la vida.
Solo recuerden que si se puede, ahora el valor de las casas esta mas bajo y logicamente tendran que subir, esos precios estan ridiculos, mas baratos que hace 20 años, esto es un juego, no se dejen intimidar, si no se animan ahora, cuando? ahora es el momento, los bancos estan muy estrictos, sin embargo siguen otorgando prestaamos, si tiene alguna duda, contacteme y estare mas que feliz de poderlo ayudar
The Golden team
Graciella Valle
LA CRISIS
March 3, 2009
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LA CRISIS…
No pretendamos que las cosas cambien, si siempre hacemos lo mismo.
La crisis… es la mejor bendición que puede sucederle a personas y paises, porque la crisis trae progreso
La creatividad nace de la angustia, como el día nace de la noche obscura.
En la crisis… nace la inventiva, el descubrimiento, la grandes, estrategias.
Quien supera la crisis… se supera así mismo
Quien atribuye a la crisis sus fracasos y penurias, violenta su propio talento y respeta más los problemas que las soluciones.
La verdadera crisis es la crisis de la incompetencia.
El problema de los países y las personas es la pereza para encontrar la salida y soluciones.
Sin crisis no hay desafío
Sin desafío…la vida es una rutina, una lenta agonía
Sin crisis no hay méritos
En la crisis es donde aflora lo mejor de cada uno…porque sin crisis todo viento es caricia.
Hablar de crisis es romoverla, y callar la crisis es exaltar el conformismo
En vez de esto… trabajemos duro…acabemos de una vez con la unica crisis amenazadora que es la tragedia de no querer luchar por superarla…
!Acabemos con la crisis!!….
Albert Einstein… frases celebres
Nunca consideres el estudio como una obligación, sino como una oportunidad para penetrar en el bello y maravillosos mundo del saber.
Si buscas resultados distintos… no hagas siempre lo mismo.
La vida es muy peligrosa… no por las personas que hacen el mal, sino por las que se sientan a ver lo que pasa.
Hay una fuerza motriz mas poderosa que el vapor, la electricidad y la energía atómica ….
LA VOLUNTAD!!!
Ahora es el mejor momento para comprar su casa, si tiene buen crédito y aun no compra su casa, que espera? intentelo, quiza sea esta la oportunidad de su vida, compre su casa ahora
The Golden Team
Graciella Valle
Comprar Casa en Sacramento
SHORT SALE ALTERNATIVES
November 22, 2008
Short Sales aren’t the only alternative to avoiding foreclosure. These below options may not be available to every homeowner, but it is important to consider the advantages and disadvantages of each.
Repayment Plan:
A homeowner may choose to work with the lender directly to stablish a repayment schedule for the delinquent amount; this usually includes making a samll payment towards the delinquent amount in addition to the full mortgage payment each month over the specified period of time.
Special Forbearance Plan:
This may provide a temporary reduction or suspension of payments to repay de delinquent amount; the regular mortgage payment would then be increased at a later point to make up the difference
Mortgage Modification:
A lender may allow a borrower to refinance the debt, permanently changing the terms of a borrower’s loan and allowing the loan to be reinstated at a payment the borrower can afford
HUD Partial Claim:
If the loan is an FHA insured loan, the lender may be able to obtain a one time payment from the FHA-Insurence Fund to bring the mortgage loan current with payments
Banruptcy:
Bankruptcy stops al civil proceedings against the debtor while the debtor is in bankruptcy. By law, a mortgage lender has to suspend all legal actions including a foreclosure action. While bankruptcy does stop foreclosure, it does not allow a debtor to keep a house without paying the mortgage lender
Refinance:
This option may allow a homeowner to use the equity in the home to pay the delinquent amount. Depending on the interest rate of the new loan, monthly payments might be reduced. The loan could be refinanced with the existing lender or with any lender of choice
Sell The Home:
If there is equity in the property, a homeowner may be able to sell the home and receive proceeds from the sale to cover what is due on the mortgage loan.
Assumption:
With this option, the homeowner signs the property over to another person; the third party person would then take possession of the home and take over the payments
Deed In Lieu Of Foreclosure:
This option maay allow the borrower to voluntarily “give back” the property to the lender without actually going into foreclosure
Si no puede dar los pagos de su mortgage, no deje que el banco se quede con ella tan facilmente, actualmente hay muchos programas que le pudierar ayudar a quedarse con su casa, no se de por vendido tan facilmente y recuerde que en ets vida todo tiene solucion, escribame o llameme si tiene alguna pregunta (este articulo es cortesia de Placer Title company)
The golden Team,
(916) 919-1861
Graciella valle
►CUIDADO CON LOS PRESTAMOS PREDATORIOS◄
September 28, 2008
Lender directo y recomendable
Cuando compramos una casa, la mayoria de las personas necesitamos un prestamo hipotecario, a no ser que usted tenga mucho dinero y pueda comprar su casa en efectivo. Esos prestamos vienen de muchas formas y tamaños, hay muchas entidades crediticias, que si son de honestas, pero desgraciadamente las hay que no lo son, no tienen ética profesional, moral, son predatorias, realizan actividades ilícitas con prácticas abusivas, como el cobro de tarifas eccesivamente ridículas al consumidor que inocentemente llega a ellos, eso me da rabia, no dejen que los roben por favor, busquen una persona honesta que los asesore en todo momento durante una transacción de un prestamo para comprar su casa, hay prestamos de 15, 20, 30 y hasta de 40 años. Si esta pensando comprar ahora, no lo piense mas, es el mejor momento, si piensa que va a vivir en esa casa por lo menos 4 o 5 años este es el mejor momento, pero si quiere comprar, arreglar y vender inmediatamente, yo no lo haria. No tenga miedo, no tiene nada que perder, llameme ahora y yo lo ayudo con mucho gusto
ALGUNAS CAUSAS PARA VENDER SU CASA EN SHORT SALE (VENTA CORTA)
July 7, 2008
Entre 1980 y 1990 las razones para vender su casa en short sale fueron muy simpleLas propiedades bajaron de valor y los itereses estaban al 18%
Las causas ahora son muy distintas
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Evaluaciones Fraudulentas
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Los compradores mentian acerca de su salario, decian que ganaban mas de lo que en realidad era
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El valor de las propiedades bajo
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Compraban casa sin enganche, por lo cual se tenian que conseguir 2 prestamos 80/20 al segundo le llaman junior, y es el que tiene el interes mas alto y por lo general solo fijos por 2 años, porque los inversionistas quieren recuperar su dinero rapido para seguir prestandolo y ganando mas, y mas.
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Con el pago mensual, solo se cubren los intereses
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Amortizacion Negativa, ahi ni los intereses se alcanzan a pagar, y la deuda sube cada mes, sin contar con los impuestos y el seguro
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Prestamos con tasas ajustables
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Equity loans, Equity es la ganancia de la casa= la diferencia de lo que vale la casa actualmente y lo que debe al banco, gente que tenia equity, la saco para comprarse sus carrazos e irse de vacaciones, restaurantes elegantes …y se comio su patrimonio! y ahora que?
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Tambien la perdida se su trabajo, negocios fracasados, problemas de salud, divorcios, alguna muerte en la fanilia. En algunos casos el Banco considera el Short sale y el ex-dueño todavia tiene buen credito, por ejemplo, si en su traabajo a el lo cambian de estado “relocation” o la muerte del mismo, ahi me da risa. Porque si se muere ya de que le sirve el buen credito?
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Si le gusta lo que leyo aqui, por favor dejeme un comentario al final de este articulo donde dice; comments haga click y escriba lo que me quiera decir, se valen criticas, comentarios o preguntas, este blog es para usted, tambien me pueden sugerir temas, y yo tratare de complacerlos
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Su Real Estate Broker y amiga Graciella Valle
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