Appraiser One Real Estate Network

Where are you headed for the 4th of July? Why not check out one of these local fireworks shows. #BHHS #4thOfJuly #IndependenceDay

Let’s do some ‘mortgage forbearance math’. Mom and Dad have a mortgage. It's currently $1,500 per month.... Dad gets laid off, calls the servicer, and asks for forbearance. In one phone call, he gets 6 months "off" from paying. Seven months later, Dad is finally back to work, and hasn't been able to save any money during the forbearance. Forbearance is lifted and servicer says, "That will be $9,000 + $1,500, which is now due". ($10,500) Dad almost passes out and says, WHY??" Servicer: "That's the 6 months of forbearance plus the current month. Dad: "I can’t do that, can we work something out?" Servicer: "Sure, we will spread out the $9,000 over 12 months." Dad: "Phew....ok, good. What will that look like?" Servicer: That will be $2250 a month for the next 12 months." Dad: " OMG!!! I can't afford that." Servicer: "Sorry....." Dad: "Can I refinance?" Servicer: "No because the loan went into forebearance." Dad: "What can I do?" In a nutshell, this is forbearance, folks. Forbearance is not forgiveness. I need to keep putting this message out there, because I am getting a lot of questions.Please understand the seriousness of this. If you still have questions, you know I am always here for you. Even if you just want to pick up the phone and talk. I will help guide you in the proper direction. I know these are very hard times, and I understand there is panic in uncertainty. Please just hang in there. This too, shall pass. Coley Rau NMLS 256481 419-636-7273 [email protected]

"COVID-19 LENDING UPDATE 3/23/2020" Today was a very busy day in lending news related to the COVID 19 outbreak. MORTGAGE RATES: The Fed announced this morning... that they will purchase as much US debt as necessary to stabilize the economy. This will include buying lots of mortgage debt, which should help keep mortgage rates low for some time. PAYMENT DEFERMENT: Fannie Mae and Freddie Mac plans to initiate a mortgage forbearance program allowing some borrowers relief of up to 12 months of mortgage payments. The plan will reduce, or delay payments, and will depend on the borrower's loss of income during the COVID 19 outbreak. Important to note that this does not eliminate the debt payments. It only defers them. Borrowers should continue to make their usual payments until granted the relief. This plan will not affect the borrower’s credit. Do not stop making payments!! For more information, contact your current servicer. APPRAISALS: Fannie and Freddie are changing the requirements for physical inspections for some appraisals. If an appraiser cannot go inside the home, for any reason, they will allow desktop and exterior-only appraisals on primary residence purchases and second homes/investment purchases with 15% down or more VERIFICATION OF EMPLOYMENT: Fannie Mae and Freddie Mac came out with guidelines today that allow for more flexibility and alternatives in verifying employment for customers whose workplaces are temporarily closed. They also allowed for some flexibility for those on leave but did caution lenders to use their best judgement when making loan decisions to ensure the borrower clearly has the ability to repay the loan. CONGRESS STIMULUS AND RELIEF BILL: Congress is currently in a stalemate over the administration's proposed stimulus plan. Democrats don’t believe it has enough direct funding for relief of workers. Some economists have said it’s also not substantial enough, despite being over $1 trillion. Although it’s expect they will find common ground very soon, maybe even later today, this debate will continue to affect markets. NON QM AND JUMBO LOANS: Due to extreme market volatility, most Non QM and, even some jumbo lenders, have suspended all loan applications, locks, closings and funding's at this time. Non QM loans are non-traditional loans like bank statement loans, no doc investment loans and some other asset based loans. These loans are not backed by Fannie Mae and Freddie Mac, nor the government, so loan investors have pulled the plug, or substantially raised the rates, out of economic uncertainty. ****IMPORTANT: During the mortgage meltdown of 2008, loan guidelines changed nearly every day, for months, as loan investors tried to get their arms around the crisis. We are in a similar place. What’s true today could be untrue tomorrow. I’ll do my best to update you with the most current info as I get it and confirm it**** Stay healthy!! Please feel free to share with others or use for your own customer updates.

Where are you headed for the 4th of July? Why not check out one of these local fireworks shows. #BHHS #4thOfJuly #IndependenceDay

6/5/19 4:35 UPDATE: HES ALIVE FOUND. I HAVE NO DETAILS. THANK YOU FROM THE BOTTOM OF MY SOUL FOR THIS COMMUNITY OF LOVE AND SUPPORT. I WILL UPDATE MORE WHEN I ...CAN. HELP FROM ME!!! #findnigel SHARE & TAG YOUR AGOURA/VENTURA FB FRIENDS!! 6-4-19 9:30 am EMERGENCY URGENT URGENT URGENT AGOURA Car is stock photo his has a t-top! not convertible Any locals from Agoura-Ventura Area! My good friend Nigel Spencer has gone missing! Last seen at work 6-3-19 at NOON leaving for lunch @ Visual Concepts in Agoura. He never made it back or home. Visual Concepts 30301 Agoura Rd, Agoura Hills, CA 91301 Nigel ALWAYS calls before he leaves to come home from work. Phone goes straight to VM. Nigel had a brain bleed a few years ago, & has some health issues. He is a creature of habit & always arrives home at the same time. ALWAYS CALLS he’s on his way He did not arrive home last night. He is OCD with his daily rituals. Arrives home same time, leaves same time etc.. Need helpers/volunteers to maybe drive his route and look for his car, maybe over the side or someplace? His car is very unique. Dark blueish-purple. He only gets 20 min. for lunch, but eats out everyday. Mostly fast food. His wife Kerry O' Connell remembers him wearing a dark blue jacket, black t-shirt with something on the front, blue jeans and sneakers with a bit of orange on them. His route is from work in Agoura (work) to Ventura-home. (seaward exit in Pierpont) via 101 FWY. If anyone or you know anyone in this area that can keep an eye out help look...drive around..or just forward this to everyone you know from AGOURA to VENTURA! We need to find him. We called hospitals, & police, work is looking for a timeline based on security footage. PLEASE HELP. CAR: Driving a 2002 Camaro Z28 dark blue/purple color license plate 6CHX424 (not as good paint as in the stock photo) DOB: 5-13-54 White, heavy Australian accent, 6'1, gray hair, Wife Kerry O' Connell is beside herself with worry Her phone # is: 805-643-7683 or 805-765-7802 WE MUST FIND HIM

In a house fire, are you safer sleeping with your bedroom doors open or closed? See the dramatic, life-saving difference a door can make. #CloseBeforeYouDoze Find more resources to share with your community online at closeyourdoor.org!

This car was seen on Bandera Dr. in Camarillo. The passenger in the back is dressed as Santa Claus and the passenger in the front passenger seat was dressed as the Easter Bunny. They were stealing packages. This happened yesterday around 3:00pm.

Our new website went live this week, check it out at: www.appraiserone.com

PLEASE HELP ME SHARE AND GET THIS WORD OUT TO OUR VETERANS. I HAVE ONLY A LIMITED AMOUNT OF GROUPS THAT WILL ALLOW ME TO SHARE THIS POST ON THEIR FACE BOOK GRO...UP PAGE. THANK YOU FOR HELPING ME TO PASS THIS MESSAGE ALONG TO OUR VETERANS. ATTENTION VETERANS THESE COMPANIES ARE GIVING FREE MEALS TO VETERANS THIS YEAR ON VETERANS DAY WEDNESDAY, November 11) APPLEBEES OLIVE GARDEN CHILI’S STARBUCKS (FREE COFFEE) TEXAS ROADHOUSE KRISPY KREEM (FREE DOUGHNUT AND COFFE) OUTBACK STEAKHOUSE GOLDEN CORRAL

You might be confused about just what, exactly, helps add value to your home in the appraiser's eyes. We're here to clear it up for you.

5 Perfect Housing Styles for Empty-Nesters http://hubs.ly/H06q73z0

I am proud to stand in support of our country and honor all those who have given their service and sacrifices as well their family's support. Thank you for our... rights and freedoms. A special shoutout to my brother, Rodney and his wife Mickie Hunnel, my cousin, Dan Tucksen, and my good friends: Randy Boettjer, George Ramirez, Barry Weaver, Alan Oberst and his wife Sandy Oberst, David Harralson, Steve and his wife Michalyn Simpson, and Vince Meiste. Thank you all! See more

Myth 3: Low down payment options are only for first-time homebuyers. #newhome

Merry Christmas, Happy Holiday's and Happy New Year!

Here's one for the SHARE button. A truly powerful image that tells it like it is.

Oxnard Community Food Panty is looking for a volunteer with a truck to help pick up food from Food Share and deliver it to the food panty and unload it on Tuesday morning at 8:00am. It takes about 2 hours. They had someone from Directv helping them, but with ATT buying out Directv they lost their volunteer. If you or anyone you know wants to volunteer, please message me and I will get you in touch with my mother. She's 94 and still volunteers.

Let's not forget today is Cancer Day.... Pass it on!!

Today marks the one year anniversary of the Boston Marathon Bombing. Join us for a special anniversary tribute and a moment of silence at 11:30am on ABC7.

I just listed this house in Ventura.

A Good Samaritan is being credited for saving the life of a dolphin. Lee White and his wife were looking for sea glass in Oxnard, when they saw a young dolphin... stranded at Mandalay Shores. The couple didn't want to interfere, but the dolphin continued to struggle against the breaking waves. That's when White knew he had to step in and help. WATCH VIDEO --> http://abc7.la/1ikvtoY

The best Santa/Appraiser

Your can sent a free video from Santa from this website. My 5 year old granddaughter loved it. We had Santa call her last year and she was so excited.

I am proud to be a VCFD firefighter's dad. I wish everyone could have the opportunity to sit down with a firefighter and hear their stories. It amazes me how brave my son and his fellow firefighter are and what they go though to keep our county safe.

How To Open A Can Without A Can Opener (Amazing): http://off-grid.info//how-to-open-a-can-without-a-can-ope/ You won't believe how easy this is and how clean ...of a job it does. Click the link to watch the video! #cannedgoods #DIY #survival #lifehacks via Herbs, Health and Happiness

Happy Veterans Day to all that have served and continue to serve our country today! Thank you for all that you do and a special thank you to my father, brother, mother, grandfather, uncle, sister-in-law, brother-in-law and father-in-law.

Hero's welcome for Marines returning from Afghanistan: Seven first-class passengers give up their seats so the entire group of Marines could sit together. http://tinyurl.com/mxy3eza

As the Thanksgiving holiday is quickly approaching, it is time to give thanks and give back. I would like to acknowledge my amazing mother, who is 93 years young; still driving and is in charge of the Oxnard Community Food Pantry. She started the Food Panty over 30 years ago with the help of friends from church and she still gives food to over 40 families a day, several times a week with her small group of volunteers, including myself. So, in the spirit of giving back in the... month of November; I will donate one can of food to the Oxnard Community Food Panty for every like on our Facebook page. We currently have 47 likes. I will post a picture of me with the donated can's of food at the beginning of December. If you would like more information on the food pantry; please don't hesitate to call me. Thank you, Jeff 805-388-5507

https://www.youtube.com/watch

https://www.facebook.com/pages/Ventura-County-CERT/155332581160589?ref=stream&hc_location=stream

https://www.facebook.com/GlendoraVillageCollection?hc_location=stream

http://www.vcstar.com//sept-11-ceremonies-local-an/67498/

http://appraisalinsight.blogs.realtor.org//10-tips-for-br/

As a Father of a Ventura County Firefighter, I hear a lot of sad stories. Most homes have smoke alarms, but a lot of people don’t know that as of July 1, 2011 Carbon Monoxide Detectors are required by California State Law. See this website for more information: http://www.fire.ca.gov//communications_firesafety_carbonmo

Our website at www.appraiserone.com has great real estate and appraisal information. I wanted to write to share with you some of our favorite other sites for local news, sports, business and weather, as well as some of our favorite utilities that make web browsing more productive. For local news: You can go to ABC News and choose from a number of local news headlines options. ... For weather: At Accuweather.com, you can enter your ZIP code for local weather, both long term and hourly, and see satellite and radar maps. For economic news: When I want expert commentary on economic news, I get it straight from the source at the Wachovia Securities economic commentary site. For cheap gas prices: By entering your ZIP code at GasBuddy.com, you can find the gas stations offering the cheapest gas in your area. Our favorite web browser addon is the Google toolbar. It’s a snap to install, lets you search Google, the Web’s number one search engine, right from your browser, and best yet it includes a stateoftheart popup ad blocker that’s absolutely free! Most of all, I hope you won’t forget to visit www.appraiserone.com for all your appraisal and valuation needs! Jeffrey Flitt Appraiser One Real Estate Network 5235 Mission Oaks Blvd #220 Camarillo, CA 93012-5400 (805) 388-5507 [email protected]

http://www.autoblog.com//the-list-0147-escape-a-car-unde/

Hope everyone is having a great Monday.

What a great place! http://www.gibboncenter.org/

I started this page; because it has recently come to my attention that most people don’t know I can help them purchase a home, as well as appraise property. Over the past few years I have seen a lot of people pushed into making a bad financial decision with the property they purchase not being worth what they pay for it. I want to make sure they have someone on their side. I will educate you on the home buying process, so you can go in to this with your eyes wide open.