SOLD: 876 s. Clementine, Anaheim

Front View

876 s. Clementine, Anaheim 92805

Sold property.

This shows as a 2 bedroom plus a den, which was originally a bedroom with doors.

2 baths, fireplace, very large yard .

2 car garage is extra long. It is currently being used as a play area for children who have lots of toys.

If you want to buy another in this area, call me today!


Pepperwood Village and Kaleidoscope Condominiums Community Yard Sale, November 6, 2010

Well, it was that time of year again….Pepperwood Village and Kaleidoscope Condominiums decided to have their annual YARD SALE at Ball and Cerritos streets in Anaheim near Disneyland!

We had about 400 families participating. Everything imaginable was put out for sale. One homeowner said ‘ I cannot believe the things that people would buy’….. And of course, the price was definitely right.

I bought a soup bowl with a ladle, a nice entertainment dish.. I did not need one, but the price was right!!

We put up banners like last year, advertised in the Pennysaver and the Register again. It seems that the turnout of visitors was greater in 2010 as compared to 2009. Perhaps that is reflective of the economy.

I would love to sponsor other neighborhoods who might want a neighborhood garage sale. PLEASE call or email and I would be happy to sponsor it for you.


Remember our VETERANS on Veteran’s Day, November 11, 2010

This email was just sent by a friend, and I just had to share with you. It is entitled:

Sack Lunches


I put my carry-on in the luggage compartment and sat down in my assigned seat. It was going to be a long flight. ‘I’m glad I have a good book to read. Perhaps I will get a short nap,’ I thought.

Just before take-off, a line of soldiers came down the aisle and filled all the vacant seats, totally surrounding

me. I decided to start a conversation.

‘Where are you headed?’ I asked the soldier seated nearest to me. ‘Petawawa. We’ll be there for two

weeks for special training, and then we’re being

deployed to Afghanistan.

After flying for about an hour, an announcement was

made that sack lunches were available for five dollars.

It would be several hours before we reached the east, and I quickly decided a lunch would help pass the time..

As I reached for my wallet, I overheard a soldier ask

his buddy if he planned to buy lunch.  ’No, that seems
like a lot of money for just a sack lunch. Probably wouldn’t be worth five bucks. I’ll wait till we get to base.’ His friend agreed.

I looked around at the other soldiers. None were

buying lunch. I walked to the back of the plane and handed the flight attendant a fifty dollar bill.  ’Take a
lunch to all those soldiers.’ She grabbed my arms and squeezed tightly. Her eyes wet with tears, she thanked me. ‘My son was a soldier in Iraq ; it’s almost like you are doing it for him.’

Picking up ten sacks, she headed up the aisle to where the soldiers were seated. She stopped at my seat and
asked, ‘Which do you like best – beef or chicken?’
‘Chicken,’ I replied, wondering why she asked. She turned and went to the front of plane, returning a

minute later with a dinner plate from first class.

This is your thanks.’

After we finished eating, I went again to the back of

the plane, heading for the rest room. A man stopped

me. ‘I saw what you did. I want to be part of it. Here, take this.’ He handed me twenty-five dollars.

Soon after I returned to my seat, I saw the Flight Captain coming down the aisle, looking at the aisle numbers as he walked, I hoped he was not looking for me, but noticed he was looking at the numbers only on my side of the plane. When he got to my row he
stopped, smiled, held out his hand and said, ‘I want to shake your hand.’ Quickly unfastening my seatbelt. I stood and took the Captain’s hand.

With a booming voice he said, ‘I was a soldier and I

was a military pilot. Once, someone bought me a lunch. It was an act of kindness I never forgot.’ I was embarrassed when applause was heard from all of the passengers.

Later I walked to the front of the plane so I could

stretch my legs. A man who was seated about six rows in front of me reached out his hand, wanting to shake mine. He left another twenty-five dollars in my palm.

When we landed I gathered my belongings and started to deplane. Waiting just inside the airplane door was a man who stopped me, put something in my shirt
pocket, turned, and walked away without saying a

word. Another twenty-five dollars!

Upon entering the terminal, I saw the soldiers

gathering for their trip to the base. I walked over to
them and handed them seventy-five dollars. ‘It will

take you some time to reach the base. It will be about time for a sandwich. God Bless You.’

Ten young men left that flight feeling the love and
respect of their fellow travelers. As I walked briskly to
my car, I whispered a prayer for their safe return.

These soldiers were giving their all for our country. I could only give them a couple of meals.

It seemed so little…

A veteran is someone who, at one point in his life,

wrote a blank check made payable to

‘The United States of America

for an amount of up to and including my life.’

That is Honor, and there are way too many people in this country who no longer understand it.’

A New Form of Breast Cancer

New kind of Breast Cancer – DO NOT DELETE. Please forward to all of the women in your lives, mothers, daughters, sisters, aunts, friends, etc..

In November, a rare kind of breast cancer was found. A lady developed a rash on her breast, similar to that of young mothers who are nursing.

Because her mammogram had been clear, the doctor treated her with antibiotics for infections. After 2 rounds, it continued to get worse, so her doctor sent her for another mammogram. This time it showed a mass.

A biopsy found a fast growing malignancy. Chemo was started in order to shrink the growth; then a mastectomy was performed; then a full round of chemo; then radiation. After about 9 months of intense treatment, she was given a clean bill of health.

She had one year of living each day to its fullest. Then the cancer returned to the liver area. She took 4 treatments and decided that she wanted quality of life, not the after effects of chemo. She had 5 great months and she planned each detail of the final days. After a few days of needing morphine, she died. She left this message to be delivered to women everywhere:

Women, PLEASE be alert to anything that is not normal, and be persistent in getting help as soon as possible. [Read more...]

Downsizing and Saving Money – Good Trend

Do you want to DECREASE your living expenses?

Do you want to own your own condo or house at a low price, low payment and still be able to be financially secure?

I remember many years ago when we bought our first house; sold it at a profit 8 years later, bought up again, and again. Made some profit for sure; isn’t that what we were supposed to do?

My husband and I also continued to buy “stuff”, because with a bigger house, you need to buy more things to fill it. It also meant buying two cars, commuting to work, etc. Many of us only realize after we buy the big house and the closets of clothing and toys that we have too much stuff and too many financial obligations. Unwinding ourselves from the financial burdens of a big house payment or car lease can be difficult, especially in this economy.

Therefore I have been noticing some changes not only in my family and friends but clients as well who want to downsize. How does one do that?

Make small changes little by little, not all at once. Do not discard all everything at once.

Think about what you want, not what you think you’re supposed to want.  Do not care about the Joneses. We used to want to be like the Joneses, and that only got many of us into debt.  Live below your means because you want to.

Save your money. Even if you earn little interest, at least you saved it.

Depend on spending as little as possible weekly so it is considered a fixed expense. The rest is yours to do whatever you want to do with it – save in savings account, and so on.

You will have less debt, perhaps live in a smaller home or condo and have less obligations. No doubt, you will be happier!

Orange County Property Tax Decreasing

If you own a home in California, chances are the assessed value of your property just dropped.

County assessors statewide are releasing this year’s property tax rolls – the total assessed value of all properties in a given county – and most are lower than last year.

The falling values represent good news for many homeowners, who will see lower property tax bills this October.

However, the second straight year of shrinking tax rolls is another blow to local governments that rely on property tax revenue to fund programs and services. The counties need money for funding of schools, clinics, street repair and more.

If there is not enough funds , this means people losing their jobs. It takes people to deliver services.

Last year marked the first time most counties saw property tax rolls drop since voters approved Proposition 13 in 1978. That’s because the market value of many properties dropped below the assessed value. In such cases Proposition 8 – a tax measure passed as a companion to Proposition 13 – requires assessors to temporarily lower the taxable value of properties until the market value climbs again.

Market values have continued to plummet, and as a result, most county assessors have continued to lower the taxable value of properties in their region.

Under state law, counties are allowed to raise property taxes by up to 2 percent a year as long as the overall cost of goods and services is rising – in other words, during periods of inflation. In a time of deflation – when the costs of goods and services are falling – they are required to lower property taxes.

For the first time since 1978, that is happening. So even homeowners whose property is still worth more than when they bought it will see a quarter percent decrease from last year in its assessed value. That should amount to $2.60 less in taxes per $100,000 of assessed value, according to the State Board of Equalization.

“It’s the first time ever since Proposition 13 and probably the last time in our lifetime.

Homeowners should see the impact of the newly assessed values in their October tax bills. But not everyone will see a decrease in what they owe. That’s because many residents are in areas with special assessments or levies that will increase this year. Also, the figures are based on the value of a property as of Jan. 1.   This means any drop in market value since that date won’t be reflected. For details go to the Orange County Website by clicking on the link here:

http://egov.ocgov.com/ocgov

Hafa Short Sale and Seller Relocation Costs

I am currently working on a short sale that has 2 loans and a homeowner association lien on it.  The second loan is that of a credit union equity line.

The first loan was approved by the lender, and in this approval the seller is receiving $3000 towards relocation costs when the sale is finalized; in California we say when it closes escrow. So, I then proceed to get approval of this sale from both 2nd and third lien holders.

Unfortunately both 1st  land 2nd liens or lenders have to approve and agree on the terms and the dollar amounts. In this case, the credit union is not allowing the seller to receive any funds at all. If they do not agree, this property will go to foreclosure, and the second loan will receive NO MONEY at all. Neither will the HOA.

I take my work very seriously and I am very honest with all involved – my seller, the buyer, other agents, all lenders. We need to prevent another property from becoming distressed, run down condition, vandalized.  By offering the sellers financial aid in selling, they are maintaining the homes until the buyer takes possession. This particular home is being very well maintained by the seller and due to the regulations or rules of this credit union, it will go to foreclosure.

I think that is a pity.

Again, that is just MY opinion! What do you think?

Did You Feel the Earthquake Today?

I was on the phone today in my office speaking to technical support  when I felt sort of dizzy. I could not explain it immediately. After a few minutes I realized we were experiencing an earthquake.

It seemed mind; it was sort of a “rolling” motion. I learned later that what I experienced was an after shock of the quake. It actually occurred in Palm Springs, California which is a few hours drive from Orange County.

If you have never experienced an earthquake and want information on it, just go to my page on Earthquakes. There is much information there.

Short Sale Superstars

Lately, I have been spending much of my time on this blog entitled “short sale superstars”.

More specifically, I have been reading and participating in the blog entitled “Bank of America Short Sales”. I found this web site quite by accident. One day I decided to google “Bank of America” help……

Google found many articles for me and this is the best one yet. Basically, anyone with a question can post their issue and any other broker can log in and post a reply. It has given me valuable phone numbers to the office of

the President of Bank of America and more. It has helped me in working on my own short sale assignments  / listings. If you are a home owner and are aware of the difficulties your agent / broker may be facing, just

have her/him go to this site. There is lots of help there. Agents from across the country are more than willing to help each other. Good luck!

Renovation Lending: FHA 203K

I learned more about this program when I was in Dallas. This program was offered to all of the brokers. Some chose to study other subjects. However, it is my opinion that we really need to KNOW how to use this loan because of the type of property we need to finance.

You see, when the typical buyer wants to buy a property – house or condo – it is usually in decent condition. It is not trashed. Unfortunately however, many of the bank owned properties are in bad condition for one reason or another. No one wants to buy a property that needs alot of money to repair it unless you can pay very little for it.  An entry level buyer is forced out of the market to a cash investor buyer.

The question arises: Who will finance this property?  The FHA 203 K program offers a solution. This loan will finance new paint, new carpet, appliances, windows, kitchen, roof and more. The repairs are financed into the new loan. The property is appraised as if it were repaired. Therefore if you find a property that has no kitchen or no bath and you want to buy it, YOU CAN get a loan.  Therefore, when you visit a house for sale and want to make an offer, the term “All repairs to be in buyers’ loan” should be in your contract offer. This is a great program, and I continue to work towards obtaining my certification. I do not do loans but I really think every broker should know how they work so that we could all be of best service to our clients who need us.