Wednesday, November 27, 2013
Tuesday, November 26, 2013
Monday, November 25, 2013
Monday, November 18, 2013
In Ghana, Building a Real Estate Industry From Scratch
In Ghana, Building a Real Estate Industry From Scratch
She will do very well in Ghana once everything has been implemented. Ghana has wealth
Friday, November 15, 2013
Thursday, November 14, 2013
Homepath Mortgage - REO Contact Kim C for further assistance
Wells Fargo //Homepath Mortgage
If you’re shopping for a new home, a real estate owned (REO) or foreclosed property could provide opportunities for Homeownership while helping to support communities impacted by recent foreclosures. As an approved lender for Fannie Mae’s HomePath® Mortgage, Wells Fargo has financing for REO properties available through the HomePath Mortgage program.
Features
No appraisal required.
Up to 97% financing for eligible property types.
No mortgage insurance required.
Interest-only payment feature and temporary buydown may be allowed.1, 2
Allowed for primary residence, second or vacation home, or investment property.
Fixed- or adjustable rate mortgages available.
Benefits
Down payment options as low as 3% on primary residences and as low as 10% on investment properties.
Down payment can come from your own savings, or can be a gift, grant or loan from various sources such as a nonprofit organization, state or local government, or employer.
No mortgage insurance needed – less costly.
Considerations
Only properties listed on the HomePath.com website are eligible for a HomePath Mortgage.
Even though an appraisal is not needed for the mortgage, consider obtaining an appraisal as well as a home inspection for your own protection.
You cannot build equity through monthly interest-only payments without making voluntary principal payments during the interest only period.
1 A temporary buydown is a reduction in the mortgage payment made by a homebuyer in the early years of the loan in exchange for an upfront cash deposit provided by the buyer, the seller, or both
2 The Interest-Only payment feature will allow you to make minimum monthly interest payments for a set period of time, then full principal-and-interest monthly payments for the rest of your loan term. At the end of the interest-only period, you will be required to pay down the outstanding principal, which will increase your monthly payment, possibly substantially, even if you have a fixed interest rate. You may want to consider making more than the minimum monthly payment during the interest-only period to begin reducing principal. Depending on the product specifics, a loan with the Interest-Only payment feature may result in higher interest rates and Annual Percentage Rates than a traditional mortgage product.
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.
© 1999 - 2013 Wells Fargo Bank. All rights reserved. NMLSR ID 399801
Wednesday, November 13, 2013
Tuesday, November 12, 2013
Monday, November 11, 2013
Thursday, November 7, 2013
Claremont 65th Annual Pilgrim Place Festival
65th Annual Pilgrim Place Festival
Friday and Saturday, November 8 and 9, 2013
10:00 am to 4:00 pm
FREE ADMISSION!
Wednesday, November 6, 2013
Eight reasons why it will be harder to get a mortgage in 2014 !!
Don't let the eight new criteria mandated by the Dodd-Frank Mortgage Reform take you by surprise when it's time to apply for your home loan. The impact of Dodd-Frank
One of the after-effects of the recent financial crisis is the passage of the Dodd-Frank Mortgage Reform. Once the changes come into effect in January of 2014, it might be harder for you to qualify for a mortgage.
What's the reason for the reform, you wonder?
Well, some financial services companies were underwriting loans and then selling them to lenders. Because they were getting very lucrative upfront fees for originating these loans, some of these companies gave loans to people that couldn't be reasonably expected to pay them back.
So, the Dodd-Frank Act was passed in 2010 to try and stop this kind of predatory lending practice, according to Mitchell D. Weiss, an experienced financial services industry executive, author, and adjunct professor of finance at the University of Hartford. And now, the act is being reformed to protect consumers even further.
Let's take a closer look at eight factors you'll need to consider to qualify for a loan once the reform goes into effect in January.
You'll need enough income or assets to cover your mortgage payments.
It's probably pretty obvious why your income is something important for lenders to look at when determining how much you can afford to borrow - and it's something lenders have been taking into consideration for a long, long time.
"If you go back to the beginning of mortgage lending, you had what we call the 'Four Cs' of traditional lending: capacity, cash, credit, and collateral," explains Hollensteiner.
"The Dodd-Frank Act is very much a literal explanation of those. So when we talk about the borrower's ability to repay the obligation, it's all about the borrower's capacity," Hollensteiner says. By capacity, he's referring to the borrower's income or assets and whether it's sufficient enough to make the monthly mortgage payments.
You'll have to prove employment - or income from self-employment.
One of the surest ways to guarantee income is to have a job. So, this is another pretty obvious thing for responsible lenders to ask potential borrowers about.
"This is as important today as it has always been," Hollensteiner says. "Do you have a position that will be here tomorrow? We can't predict the future, but if a lender finds out a borrower's job will expire prior to the loan closing, that might cause the lender to reconsider the borrower's profile." Without another job lined up, a lender could worry you might not be able to pay the mortgage.
Where this gets a bit trickier is when it comes to self-employed borrowers. If you're an independent contractor, your jobs might only last a few weeks or months - and that could make it hard to convince lenders you're a safe bet.
"Self-employed borrowers have to show a two-year track record of having been in the same business, along with two years of federal tax statements to show their income," Hollensteiner says.
If you're self-employed and thinking about applying for a mortgage, it might benefit you to talk to a mortgage professional to find out what you'll need to prove your income.
[Thinking of applying for a mortgage? Click to compare interest rates from multiple lenders now.]
You'll need to prove you can afford property tax and homeowner's insurance.
In addition to principal and interest payments on your mortgage, you'll also have to pay property taxes, homeowner's insurance, and possibly additional fees like a homeowner's association (HOA) fee. The Dodd-Frank Act wants all of those taxes and fees to be clear to borrowers up front.
"Lenders need to document every payment associated with the property and what it entails," says Hollensteiner. "It's important for the consumer to know what the total payments are for the property."
You'll have to factor in the amount you pay on any additional mortgages.
This factor applies to homeowners who might take out more than one loan on their home, like a second mortgage or a "piggyback loan."
The Dodd-Frank Act simply requires lenders to include both payments (for the first and second mortgage, in this example) when they're figuring out whether or not a borrower is qualified for a loan.
Believe it or not, some lenders previously weren't including the payment on the second mortgage in their calculations - even though it's money the borrower will be expected to pay every month.
You'll need to provide full disclosure of any additional properties you own.
Do you own a second home somewhere? If so, all mortgage-related costs for all of your properties should be included in a lender's calculations to determine if you qualify for a new mortgage under the new reform.
"This would pertain to any properties the borrower owns. Investment properties, second homes, vacation homes, etc," says Hollensteiner. "The lender needs to have full disclosure to the total monthly obligations on all the borrower's other properties."
If you pay child support, you'll have to calculate that in, too.
Maybe you don't have a second property, but you do have to pay alimony or child support every month.
That will also be taken into consideration, as lenders will be required by law to include things like alimony and child support in their calculations. Although the Federal Housing Administration takes this factor into consideration already, it may not be common practice across all lenders.
"The borrower might qualify based on income and debts alone, but monthly alimony payments could have a major impact on their being able to pay," says Hollensteiner. "If the lender doesn't include those obligations, the lender could be helping the borrower get financing that he or she won't be able to continue paying down the road."
You'll need a debt-to-income ratio that's lower than 38 percent.
One of the major tools lenders use to determine whether a borrower qualifies for a new loan is the debt-to-income (or DTI) ratio.
"The monthly debt-to-income ratio calculations have been in the lending industry for - probably forever," says Hollensteiner. "What we're seeing today in the industry is that the maximum DTI range is 38 to 41 percent of the borrower's gross monthly income." That's the highest DTI lenders typically consider when determining whether or not to qualify someone for a mortgage, Hollensteiner explains.
To calculate your DTI ratio as a percentage (which is how lenders typically consider DTI ratios), divide your monthly debt repayments by your gross monthly income (before taxes), and multiply that number by 100. But why is the DTI ratio so important?
"It validates you've got a loan that meets the definitions of a safe loan," says Hollensteiner.
You'll need a clean credit history, and a good credit score.
You probably know that your FICO credit score can be used for everything from determining what interest rate you'll pay on your credit cards, to whether or not you qualify for financing on that new car loan. It should come as no surprise, then, that it's important to lenders, too.
"Going back to the 'Four Cs' of traditional lending, credit has always been considered," Hollensteiner says. "It is tremendously important, and it is a great indicator of how likely the borrower is to repay the obligation."
So it might be worth getting a hold of your credit report and doing whatever you can to improve your score. Pay your bills on time, every time. Dispute any errors on your report. A little effort now could pay dividends down the road when it's time to apply for your mortgage, that's how important your credit history is.
As Hollensteiner notes, "even in the dark ages of business, every lender - even if they didn't look at anything else - looked at credit report." By Jennifer Berry
Tuesday, November 5, 2013
Monday, November 4, 2013
No Change for FHFA
No Leadership Change at FHFA; Watt/Democrats will Try Again">
Subscribe to my blog: realtorkimcunningham.blogspot.com
Saturday, November 2, 2013
Friday, November 1, 2013
California a Seller's Market
California is Sellers' Market as Over-List Price Sales Soar">
Subscribe to my blog: realtorkimcunningham.blogspot.com
Thursday, October 31, 2013
Special Report: New Standards For Mortgage Signings -# Notary
Special Report: New Standards For Mortgage Signings: A special committee of executives from major lenders and title companies has announced a new set of standards for signing agents. The group, called the Signing Professionals Workgroup, introduced the standards at the Mortgage Bankers Association’s 100th Annual Convention in Washington D.C. on Tuesday.
Wednesday, October 30, 2013
City of Claremont Halloween Spooktacular
Halloween Spooktacular
Thursday, October 31, 2013
The City of Claremont and local businesses will sponsor the annual Halloween Spooktacular on October 31st in the Village from 3:00 p.m. to 7:00 p.m. This event provides children ages 2 to 12 years with an unforgettable, fun, and entertaining experience in an environment that is safe alternative to traditional door-to-door "Trick or Treating." Free games for the children will be located in front of the Claremont Depot and a variety of roving entertainment will be provided throughout the Village. In addition, many local businesses and shops will be participating in handing out candy to children of all ages, starting at 3:00 p.m. Admission is free.
Activities in the Village:
3-5pm - Trick or Treat
Activities at the Depot:
4-6pm - Free Games, Entertainment and Face Painting
5pm - Howl-o-ween Dog Costume Contest
5:30 - 6:30 pm - The Animal Guys Wildlife Presentation
6:30pm - Children's Costume Contest
Call 399-5490 for more information.
Tuesday, October 29, 2013
Monday, October 28, 2013
Friday, October 25, 2013
Thursday, October 24, 2013
Saturday, October 19, 2013
Friday, October 18, 2013
Thursday, October 17, 2013
Drop, Cover and Hold On
Don't forget today is the California Shake Out at 10:17am Pacific Time. Go online to get further information to protect yourself from a Earthquake.
Wednesday, October 16, 2013
Attention Homeowners & Prospective Buyers
Call Kim Cunningham for all your real estate needs 909-749-5442
Realty Executives Experts
9220 Haven Ave
Rancho Cucamonga, Ca 91703
Tuesday, October 15, 2013
Walmart Shelves Emptied After EBT Glitch
Walmart Shelves Emptied After EBT Glitch: ABCNEWS.COM - Louisiana customers went on a shopping spree after a power outage temporarily lifted caps on spendin
The Computer Glitch That Halted Nasdaq Trading for 3 Hours
The Computer Glitch That Halted Nasdaq Trading for 3 Hours: ABCNEWS.COM - Traders and investors were unable to buy and sell stocks while computers were down today.
Monday, October 14, 2013
Saturday, October 12, 2013
Wednesday, October 9, 2013
Calif Assoc of Realtors. releases its 2014 California Housing Market Forecast
C.A.R. releases its 2014 California Housing Market Forecast
For release:
October 8, 2013
California home sales and prices to rise in 2014 as market transitions
toward primary home buyers
LOS ANGELES (Oct. 8) – After distressed sales lost their hold on much of California’s market, the state’s housing market will continue to improve in 2014, with sales shifting toward primary home buyers and both sales and home prices posting further gains, according to the CALIFORNIA ASSOCIATION OF REALTORS®’ (C.A.R.) “2014 California Housing Market Forecast,” released today.
The C.A.R. forecast sees sales gaining 3.2 percent next year to reach 444,000 units, up from the projected 2013 sales figure of 430,300 homes sold. Sales in 2013 will be down 2.1 percent from the 439,400 existing, single-family homes sold in 2012.
“The housing market has improved over the past year, and we expect this trend to continue into 2014,” said C.A.R. President Don Faught. “As the economy enters the fourth year of a modest recovery, we expect to see a strong demand for homeownership, as buyers who may have been competing with investors and facing an extreme shortage of available housing return from the sidelines.”
C.A.R.’s forecast projects growth in the U.S. Gross Domestic Product of 2.8 percent in 2014, after a projected gain of 1.8 percent in 2013. With nonfarm job growth of 1.9 percent in California, the state’s unemployment rate should decrease to 8.3 percent in 2014 from 9 percent in 2013 and 10.5 percent in 2012.
The average for 30-year fixed mortgage interest rates will rise to 5.3 percent but will still remain at historically low levels.
The California median home price is forecast to increase 6 percent to $432,800 in 2014, following a projected 28 percent increase in 2013 to $408,600.
“We’ve seen a marked improvement in housing market conditions in a year with the distressed market shrinking from one in three sales a year ago to less than one in five in recent months, thanks primarily to sharp gains in home prices,” said C.A.R. Vice President and Chief Economist Leslie Appleton-Young. “As the market continues to improve, more previously underwater homeowners will look toward selling, making housing inventory less scarce in 2014. As a result of these factors, we’ll see home price increases moderate from the double-digit increases we saw for much of this year to mid-single digits in most of the state.”
“The wildcards for 2014 include federal, fiscal, monetary and housing policies – such as the mortgage interest deduction and mortgage finance reform – as well as housing supply and the actions of the Federal Reserve, which will ensure a higher rate environment,” Appleton-Young continued.
Appleton-Young will present an expanded forecast Thursday afternoon during CALIFORNIA REALTOR® EXPO 2013 (http://expo.car.org), running from Oct. 8-10 at the Long Beach Convention Center in Long Beach, Calif. The trade show attracts nearly 8,000 attendees and is the largest state real estate trade show in the nation.
Also at REALTOR® EXPO 2013, don’t miss “Understanding Today’s Consumer: The Impact of Demographic Trends”- REALTORS® who grasp the state’s changing consumer makeup will have the upper hand in understanding how to appeal to emerging clients. Will the American Dream of homeownership undergo a change in perception among the American populace as it grows increasingly diverse? Presented by C.A.R.’s brand new Thought Leadership Program and moderated by C.A.R. CEO Joel Singer, the session features panelists Dowell Myers, Riva Froymovich, and Susan Brown.
A second Thought Leadership Program on Thursday discusses “Tomorrow’s Housing: The Future of California Real Estate” - Will future housing markets and public policy reflect the needs and desires of an increasingly diverse client base? Will the American Dream be redefined in the years to come with respect to homeownership? Panelists Joel Kotkin, Joe Mathews, and Perry Wong, will provide the answers to these questions and more. CEO Joel Singer will moderate.
Journalists who would like to attend CALIFORNIA REALTOR® EXPO 2013, please email Lotus Lou at lotusl@car.org or call (213) 739-8304. For more information on CALIFORNIA REALTOR® EXPO 2013, visit http://expo.car.org.
2014 CALIFORNIA HOUSING FORECAST
Indicator 2008 2009 2010 2011 2012 2013f 2014f
SFH Resales (000s) 381.4 474.9 416.5 422.6 439.4 430.3 444.0
% Change 30.4% 24.5% -12.3% 1.4% 4.0% -2.1% 3.2%
Median Price ($000s) $348.5 $275.0 $305.0 $286.0 $319.3 $408.6 $432.8
% Change -37.8% -21.1% 10.9% -6.2% 11.6% 28.0% 6.0%
30-Yr FRM 6.0% 5.0% 4.7% 4.5% 3.7% 4.1% 5.3%
1-Yr ARM 5.2% 4.7% 3.8% 3.0% 2.7% 2.7% 3.1%
f = forecast
Leading the way...® in California real estate for more than 100 years, the CALIFORNIA ASSOCIATION OF REALTORS® (www.car.org) is one of the largest state trade organizations in the United States, with more than 155,000 members dedicated to the advancement of professionalism in real estate. C.A.R. is headquartered in Los Angeles.
Tuesday, October 8, 2013
Long shutdown could hurt housing market recovery
If the standoff lasts for weeks, it could stall sales because lenders can't access IRS data. FHA and other government-backed loans also could be affected.
By E. Scott Reckard, Andrew Khouri and Alejandro Lazo
October 4, 2013, 5:00 a.m.
A prolonged government shutdown could deliver a substantial blow to an already softening housing recovery.
If the political standoff lasts for weeks, it could stall sales because lenders can't use IRS documents to confirm borrower qualifications. The impasse could also threaten loans backed by agencies such as the Federal Housing Administration.
"With each passing day, the anxiety in the marketplace is building," said Stuart Gabriel, director of UCLA's Ziman Center for Real Estate.
The FHA's staff has been greatly reduced, which may cause delays in "processing or closing of FHA-insured loans," according to the U.S. Department of Housing and Urban Development, which oversees the agency. For now, the FHA — traditionally an insurer of loans to first-time and low-income buyers — will continue to endorse new single-family loans. The agency currently insures about 26% of all single-family home purchases.
"The longer the shutdown lasts, the more serious the impact will be," a HUD contingency plan said.
Some are already feeling the pain.
Ron Tanzman, an agent in Calabasas, said two of his buyers planned to use FHA-backed loans, but the deals are now on hold.
"You can't close any FHA deals right now," he said. "We just got notice from the lender that we are in a stalemate."
The federal government partially shut down Tuesday after Congress — amid a fight over Obamacare — failed to pass a budget, forcing the furlough of roughly 800,000 workers and the first federal shutdown in 17 years.
An extended mortgage market freeze could further stall a housing recovery that has cooled after rapid price increases earlier this year. The threat comes just as mortgage rates are falling again, which normally would entice buyers. Rates have tumbled for the third straight week, with Freddie Mac pegging the 30-year fixed loan at an average of 4.22%, down from 4.32% last week.
But a short government shutdown should cause only small headaches, because most loans close at the end of the month and take up to 60 days to do so, said Keith Gumbinger, vice president of HSH.com, which tracks mortgage rates. Lenders are still taking applications, Gumbinger said, expecting the shutdown will end soon.
Most lenders use IRS transcripts of borrowers' tax filings to confirm their income and ability to pay.
"A few days' delay in getting documentation shouldn't derail too many deals," Gumbinger said.
The shutdown entered its third day Thursday with major mortgage lenders such as Wells Fargo & Co. and JPMorgan Chase & Co. operating much as usual. They said they anticipated only minor disruptions — so long as the shutdown didn't stretch past, say, three weeks. Most borrowers near completion of a loan have already had items such as tax returns verified, they said.
New mortgage applicants were being asked to fill out the usual paperwork. Processing of government-backed loans from the Federal Housing Administration and the Department of Veterans Affairs also continued as usual at major lenders that are pre-authorized to issue such loans.
Wells Fargo is among the lenders with delegated authority from FHA and VA to write loans, which are computer-processed and approved. The only problem with such mortgages would occur if borrowers fall outside predetermined guidelines for credit scores or income, requiring them to get special approval for government loans, said Tom Goyda, a spokesman for Wells Fargo Home Mortgage, the largest residential lender.
Experts said mortgage seekers should discuss timelines and expectations with their lender, and inquire about longer commitments, longer rate locks and extension policies for each.
"Right now, it's business as usual," said Los Angeles area Realtor Rose Fahey, who hasn't run into problems with a deal currently in escrow, in which the buyer has a conventional loan.
The greater fear, economists say, is that Congress fails to raise the debt ceiling by Oct. 17, causing the nation to default on its debt and mortgage rates to skyrocket. Affordability would take a dive and potential buyers would grow increasingly uncertain about the economy, said UCLA's Gabriel.
"We are playing with something big and bad and nasty," he said of a possible default.
scott.reckard@latimes.com
andrew.khouri@latimes.com
alejandro.lazo@latimes.com
Copyright © 2013, Los Angeles Times
Sunday, October 6, 2013
Saturday, October 5, 2013
Friday, October 4, 2013
More Housing Choices For US Buyers as Int'l Shy Away
As the real estate market offered amazing deals from short sales to foreclosures, international buyers were careful to spring into action and close on those deals. But it seems now the market is changing and those same buyers are starting to lose some interest in buying U.S. properties.
Start Growing Loyal Leads!
Markets such as Miami, Las Vegas, Phoenix, and San Francisco have lost some of the appeal. Investors are backing away as the U.S. dollar appears to strengthen compared to the Indian rupee and Canadian dollar. The Canadian dollar lost about 2 percent against the U.S. dollar. Couple that with the rising housing prices and, according to an article by Reuters, the U.S. real estate market is becoming less enticing for international buyers.
For sellers that means you may be seeing more Americans vying for your home. Selling your home to an investor (whether they are foreign or not) is a different experience than selling to buyers who plan to live in the home.
Understanding your ideal target market such as a family vs. an investor, helps you create a specific marketing campaign that intrigues your target audience to come see your home.
Start by taking a good look at your home and seeing if any repairs need to be made. More than investors, buyers who plan to live in the home will likely be more concerned with making sure that the house is in good working order. Usually because they would prefer to move in and not have to do a lot of fixing up whereas investors are used to searching for the best deals which means the property may need a lot of repairs. But because they're getting a cheaper price, investors understand they'll be repairing the home to make it ready to rent.
Next create some notes that you'll be giving to your agent about your home. What makes it unique? What types of upgrades have you done? Surprisingly, after you live in a home for many years, you can forget some of the important upgrades. So take inventory and recall all the enhancements that you have completed on your home and share them with your agent.
Focus on the neighborhood. Investors and buyers who plan to live in the home both care about the neighborhood. It tells them something about the people in the area and the potential risk in the future. For instance, if there are a lot of foreclosures in the area, it's likely that home prices will continue to drop and the area may become filled with more renters than owners. It's not always the case but, often, renters don't provide as much care for a property as the homeowners would. So the neighborhood could decline even more. If, however, the neighborhood is in great shape with some, but not too many homes for sale, this could be very appealing to any buyer. Play up the factors that differentiate your home from others on the street. Explain the advantage of your location, lot size, upgrades, etc.
Selling your home is like finding an online dating match. And, that's exactly where the hunt begins for homes too–on the Internet. So put your home's best side forward with the most attractive curb appeal photos possible. That'll get buyers interested and possibly following up with an "in-person" viewing. Then let your home's unique characteristics shine and seduce the buyer.
Thursday, October 3, 2013
Housing: The bidding are back !
NEW YORK (CNNMoney)
The bidding wars are back. Seemingly overnight, many of the nation's major housing markets have gone from stagnant to sizzling, with for-sale listings drawing offers from a large number of house hunters.
In March, 75% of agents with broker Redfin said their clients' offers were countered by rival bids, up from 56% who said so in late 2011.The competition has been most intense in California, where 9 out of 10 homes sold in San Francisco, Sacramento and cities in Southern California drew competing bids during the month. And at least two-third of listings in Boston, Washington D.C., Seattle and New York generated bidding wars.
"The only question is not whether a new listing will get multiple bids but how many it will get. One home in an Elk Grove, Calif., subdivision recently received 62 separate bids. The final sale price was for more than $150,000, well above its $129,000 asking price.
In Cambridge, Mass., two condos that could be combined into one large home hit the market two weeks ago for $800,000 each, according to Pat Villani, president of Coldwell Banker Residential Brokerage in New England.
"The brokers stopped taking names after the number of bidders reached 250," she said. The winning bidder offered $2 million for both units.
The competition has been most tense in California, where 9 out of 10 homes sold in San Francisco, Sacramento and cities in Southern California have been drawing competing bids.
Inspirational Quote Of The Day"
In the business world, everyone is paid in two coins: cash and experience. Take the experience first; the cash will come later. – Harold Geneen
Tuesday, October 1, 2013
Monday, September 30, 2013
Dreams made into a Reality
Looking to moved to Sunny Southern California? First,I would need you to contact a loan officer and once that's been establish, then we can proceed in looking for your dream home.
Thursday, September 26, 2013
Questions to ask ?
If you have any questions to ask me from off of my blogger, don't hesistant to add a comment and I will get back to you A.S.A.P - Kim Cunningham your friendly realtor
Looking in the Claremont area
If you're looking in the Claremont or surrounding areas for your new home, contact Kim Cunningham/ Realty Executives Experts- BRE#01358812 (909) 749-5442
Wednesday, September 25, 2013
What is CHDAP ?
First time buyer look at this and if you're ready, call Kim Cunningham BRE#01358812 @ (909)749-5442
California Homebuyer's Downpayment Assistance Program(CHDAP)- http://www.calhfa.ca.gov/homebuyer/index.htm
Tuesday, September 24, 2013
Positive Thinking
You don’t have to see the top of the staircase to take the first step. – Martin Luther King
Monday, September 23, 2013
Southern California Living
A home is not a home because of its room dimensions or the color of the walls. It is about how you feel when you walk through the front door. And the way you can instantly envision your life unfolding there.
This is about more than real estate. It is about your life and your dreams. Contact me @ 909-749-5442 Kim Cunningham/BRE#01358812
Sunday, September 22, 2013
La Verne Living & Surrounding Cities: La Verne Schools, University & Restaurants
La Verne Living & Surrounding Cities: La Verne Schools, University & Restaurants: Today featured City is La Verne, California. La Verne is small, affluent community in Los Angeles County, California. . The population was 3...
La Verne Schools, University & Restaurants
Today featured City is La Verne, California. La Verne is small, affluent community in Los Angeles County, California. . The population was 31,063 per 2010 Census. This community has great schools, variety of restaurants and is the Home of University of La Verne. Yay !!! Contact me (909) 749-5442 Kim Cunningham- BRE#01358812 / Realty Executives Experts
Saturday, September 21, 2013
Quiet Oasis
Hear Ye, Hear Ye - There's a new agent(seasoned)in the Inland Empire & surrounding areas !! Call me,Kim Cunningham (909)749-5442 for your real estate needs. I can find that hidden gem for you or if you're downsizing I can list your home. Remember I am here for YOU !!!
Friday, September 20, 2013
Claremont Living: California Living - Inland Empire and Surrounding ...
Claremont Living: California Living - Inland Empire and Surrounding ...: Life is just to short to put home buying on the back burner !! Walk in faith and purchase that new home that you always wanted. I am a your...
California Living - Inland Empire and Surrounding Cities
Life is just to short to put home buying on the back burner !! Walk in faith and purchase that new home that you always wanted. I am a your beck in call. So don't wait any longer contact Realtor Kim Cunningham-BRE#01358812 at (909)749-5442
Wednesday, September 18, 2013
Claremont Public Schools
If you are looking for a school that will teach the children, then look no further. Claremont is a hidden gem and I'm pretty sure the locals don't want everyone to know about it. If you research under greatschools.org and look at the reviews and remarks that will give you something to talk.
.......
Saturday, September 14, 2013
La Verne Living: Claremont City Parks
La Verne Living: Claremont City Parks: There's about 24 parks/trails in the Prestigious City of Claremont, here are just a few: Blaisdell Park (1964) 440 S. College Avenue ...
Claremont City Parks
There's about 24 parks/trails in the Prestigious City of Claremont, here are just a few:
Blaisdell Park (1964)
440 S. College Avenue
This park is located in the southeast corner of the city. It houses the Blaisdell Community Building where hot lunches are served to seniors in the area. The park also contains a handicapped- accessible playground, tennis court, restrooms, and group picnic facilities. Blaisdell is fully ADA compliant.
7.5 acres
Blaisdell Community Building
1 large multi-purpose sports court
1 tennis court
1 softball field
1 playground (handicapped-accessible)
2 picnic areas (one handicapped-accessible)
1 restroom building (handicapped accessible)
Parking lot
.
Blaisdell Preserve (2006)
Grand Avenue and New Orleans Court
This passive neighborhood park features turf areas, natural plantings round the perimeter and a decomposed granite walking path. Park goers can bring a blanket and enjoy a picnic. Blaisdell Preserve is 7.4 acres.
Cahuilla Park (1971)
Indian Hill Blvd.& Scripps Dr
This park is located north of Claremont High School on the west side of Indian Hill Boulevard. It is the largest improved park in the City and contains the Youth Activity Center (YAC) and Taylor Hall, a large building used for meetings, classes, and available for rent. The park is frequently used for community events such as the City's teen concerts, adult sports leagues and large group picnics.
18.2 acres
8 tennis courts
1 baseball field (lighted)
2 softball fields (lighted)
1 basketball court (lighted)
1 skate park
1 large playground
1 large group picnic area
1 family picnic area
1 restroom building
Parking Lot
.** Call Kim Cunningham/Realty Executives Experts BRE:01358812 (909)749-5442 **
Friday, September 13, 2013
Why do a Short Sale ?
What is a Short Sale?
A Short Sale, also known as a pre-foreclosure sale, is when you sell your home for less than the balance remaining on your mortgage. If your mortgage company agrees to a Short Sale, you can sell your home and pay off all (or a portion of) your mortgage balance with the proceeds. Fannie Mae’s program is called Short Sale/HAFA II.
A Short Sale is an alternative to foreclosure and may be an option if:
You are ineligible to refinance or modify your mortgage
You are facing a long-term hardship
You are behind on your mortgage payments
You owe more on your home than it’s worth
You have not been able to sell your home at a price that covers what you still owe on your mortgage
You can no longer afford your home and are ready or need to leave.
If you need further assistance call me, Kim Cunningham/Realty Executives Expert@ (909)749-5442
Subscribe to:
Comments (Atom)