Inland Empire Real Estate

Short Sale programs for underwater homeowners are now active. I during the month of Set/Oct, had a client that was never late, had great credit, and we petitioned his lender to sell his proerty in Rancho Cucamonga in a short sale. Our Short sale request was granted and in less than 2 months, His hardshop was that his income had changed significantly, therefore, rendering him in a bind and unable to afford the home. We closed the tansaction. What a blessing for us both. Remember the bill is schedled to sunset on 12/31.12 that lenders will not be able to hold the homeowners repoonsible if the account has a deficit. Need more help, send me a note!

Events November 30, 2012 Annual Christmas Tree Lighting Valley-wide Recreation invites you o kick off the Holiday Season at out 6th Annual Tree Lighting at Valley-Wide Recreation Regional Park, 901 Esplanade Avenue, San Jacinto, on Friday5:30 pm. December 2, 2012: Holiday Pancake Creakfast... Please join your friends and neighbors for this great fundraiser benefiting our wonderful San Jacinto Valley RamonaBowl on Sunday 7-11:30 am at Golden Era Golf Course, 19871 Gilman Springs Rd., San Jacinto, CA December 4, 2012 Job Fair Workforce Develpment Center, Indio fro 10:00 am to 2:00pm 40,000 Construction workers are needed in British Columbia, Canada December 08, 2012 Breakfast with Santa Valley-Wide Recreation invites you toour 4th Annual Breakfast with Santa at the Valley-Wide Recreation Regional Park, 901 Esplanade Ave, EMWD Sponsors Plant Sale They will partner with the Home Depot on water efficient plant sales witj up to 50% savings. For dates and Locations visit the EMWD.org or iegardenfriendly.com

PROTECTING AN EMPLOYEE'S SOCIAL MEDIA An employer is prohibited fro requiring an employee or employment applicant to access personal social media in the employer's presence, to disclose a username, or password for personal social media, or divulge any personal social media. An employer is also prohibited form discharging or disciplining, threatening to discharge or discipline, or retailiatig against an employee or applicant for failing to comply with a request that violates ...these rules. For the purposes of this law, social media is generally defined as an electronic service or account, including websites, blogs, emils, text messanges, photos, videos, and online services. This new doe not prohibit an employer from requiring an employee to disclose a username, passsword, or other access info for an employer-issued electronic device, or to divulge personal social media reasonably believed to be relevant to an investigation of employee misconduct. Read AB 1844 for further verbiage. See more

Requiring 90-Day Notice to Terminate after Foreclosure A month to Month tenant or subtenant in possession of a rental housing uni at the time theh property is foreclosed must be given 0 day written notice to terminate under california law. For a fixed-term residential tenancy, the tenant or sub tenant can generally remain until the end of the lease term, and all rithts and obligations under the leaseshall survive foreclosure, including the tenants obligation to pay rent. Ho...wever, four exceptions allow a 90-day written notice to terminate a fixed term lease after foreclosure as follows: (1) the purchaser or successor-in-interest will occupy the property as a primary residence;(2) the tenant is the borrower or the borrowers child, spouse,or parent; (3) the lease was not the resultof an arms' length transaction, or (4) the lease requires rent that substantially below fair market rent (except if under rent control or government subsidy). This law will expire on 12/31/2019 Read ab 2016 See more

Loan Modifications Extending Prohibition Against Advance Fees for Loan Modifications Originally set to expire on January 1, 2013, but now extended, is the prohibition against real estate licensees, attorneys, and others from claiming or collecting compensation for a loan modification or other form of mortgage loan forebearance until after the licensees fully perform each and every service as promised. this law is extended until January 1, 2017 according to SB 980 if not indefinitely according to AB 1950. Both bills were signed into law 9/25/2012

Adverrising and other outreach efforts are in full effect nationwide, reminding eigible borrowers that Dec 31, 2012, is the deadline to request a free, impartial foreclosure review through the independent Forecloure Review. Print, radio tv, and online advertising is being targeted towards the communities hardest hit by the mortgage foreclosues. Outreach includes direct contact with eligible borrowers by mail, email, and telephone. Outreach also included cooordinated activity by community, housing, and faith-based groups. for additional information visit the CAR Newsline.

I usually don't verbalize my political views, however I feel compelled to speak out for the president being re-elected in view of the republican party coming out so strong in making sure that he was a one-term president and they indicated that they were going to repeal Obamacare. Well, how you like it now?

ANTI-DISCRIMINATION PROTECTION FOR RELIGOOUS GROOMING AND BREASTFEEDING: Effective Jan 1, 2013, the protection against religious discrimination under the california fair employment and Housing Sct has been expressly expanded to require an employer or other covered entity to make reasonable accommodations for an individual's religious grooming or dress practice. Religious grooming or dress is to be construed , and included head, facial, and body hair, nead or face coverings,... religious clothing, jewelwey, artifacts, or other items that are prt of the observance of a religious creed. Segregating an individual is not reasonable aaccommodation of someone's religious grooming or dress practice. No accomodation for religious groooming if it violates civil rights. Additionally, the sexual discrimination has been expanded by way of a declaration, reasonable accomodations for breast feeeding or medical conditions relates to breastfeeding. AB 2386 See more

SMOKE ALARM REQUIREMENTS FOR HOME IMPROVERS AND LANDLORDS: Starting in 2014, for all dwellings units intended for human oppupancy for which a buildingpermit is issued for alterations, repairs, or additions for more than ?$1000, the issuer of the building permit will not sign off on the completion of the work unless the owner demonstrates that all smoke alarms work as approved by the State Fire Marshal. Also approved effective the same date is that alarms must have date of manufacturer.

97% Single Loan with no MI A great alternative to FHA. 1/2% Down FHA Programs Available 30 YEAR FIXED 3.25% (3.375% APR) ... Minimum 680 fico Jumbo over $417K only 80% LTV up to $1 million 75% LTV up to $2 million Great Programs Down To 580 Score! FHA & VA Under 620 FHA Approval up to 56.99% DTI Quick & Painless Qualifying & Closing New FHA Niche Programs 3.25% with a lender credit to cover closing costs (you do not have to ask for seller to pay) 3.25% with a lender credit to cover closing costs (you do not have to ask for seller to pay) Jumbo Rates Are Low - Contact Me For Latest Having trouble getting your buyers approved for the home they want? I have access to programs that may help and the experience to get your deal done fast. Feel free to contact me with any questions you may have and to go over your buyers' scenario. I'm happy to help and to provide multiple options for your buyers to make sure they get the best deal available. (619) 866-4331 "Beth has been my 'Go-To Lender' for years and I can safely say that I have closed more deals because of her hard work than I would have without her. My clients always tell me that she's great to work with, very professional and that they are thrilled with the rates they get." -Lynn Osborne, Main Street Realtors All credit decisions will vary based upon your loan request and credit profile. Rates are subject to change based on fluctuations in interest rate markets. Beth Svenson

NACA AMERICAN DREAM EVENT for home owners and home buyers is coming to the Ontario Convention ?Center from Ocober 25-29. All services are free. Home owners that wish to obtain a mortgage Modification, loan refinance, etc should make it their business to go to naca. Before you go, check out their website at naca.com for preregisteration and necessary financial information they can take with them. This might be your only opportunity to meet with a representative of your lending organization.

I an grateful to God in his ability to grant favor to his children. I am thankful for being able to close escrow on a sale where I double ended the transaction and looking forward to future blessings like this one.

There is a double dose of good news on the housing front, as Housing Starts surged 15% in September to its fastest place in more than 4 years. Construction increased more thn 10%. These are signs that the housing sector'srecovery is gainng momentum. A strong economic economy oftens causes money to flow out of Bonds and into Stocks, as investos hopes to take advantage of gains That's psrtly what caused Bonds, to which loan rates are tied to worsen last week. Hand written notes are one of the most powerful forms of communication. Imagine sein an ad inviting you to an event or reading an email about the same event. Are u going to the event? maybe. Now envision a handwritten note from the organizer of this event specifically inviting you to the event. When people ty the handwritten approach, the results are astounding.