Contingent listing - what the heck is that?

A CONTINGENT LISTING is the step between Active & Pending.
These properties fall into several catagories.


Offer contingent on Court approval - This is usually for a Probate Sale

Offer accepted or submitted pending lender approval of Short Sale

Offer submitted awaiting buyer or bank approval of a REO (foreclosure)

Offer accepted with ____ hour right of first refusal - Usually the buyer has a house to sell before they can buy this one.

Contingent listings still show up on most web sites as active properties. They have to be looked at on an individual basis to determine what the underlying status is...REO, Short Sale, Probate or time clause.
Then it can be determined if it is reasonable to submit an offer.
 
Please contact my about listings in any Status including CONTINGENT LISTINGS.  I am here to help.




Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Expert
Taylor Place Real Estate
Buy or Sell a Home with Me, Use my Moving Truck - F R E E for life.
dennis@SanDiegoHomes4u.com
760-436-0087, or cell at 760-212-8225
http://www.sandiegohomes4u.com/home.htm

My Market Trends Report with graphs and charts for North Coastal San Diego will give you the Sales Statistics for the month and compare it with last year, by city!
http://www.sandiegohomes4u.com/RealEstateTrends.htm

You can view all available San Diego area homes for sale at http://www.sandiegohomes4u.com/MLS_Search.htm
You can search by address, by MLS number or by general criteria.

Providing quality Real Estate services in the North Coastal San Diego area including Del Mar, Solana Beach, Rancho Santa Fe, Cardiff by the Sea, Encinitas, Leucadia, Olivenhain, Carlsbad, La Costa, Aviara, Oceanside, Vista, San Marcos, San Elijo Hills, Escondido & San Diego County.

Wachovia & World Savings Offering cash for short sales.

Wachovia & World Savings Offering cash for short sales.

If you have a Wachovia or World Savings mortgage and qualify for a Short Sale, Wachovia is paying you to move. Homeowners with Wachovia and World Savings mortgages who are upside down on their property and have a finantial hardship, can get 1 percent of the price of their short sale, with a minimum of $2,500 ($250K sale).

Wachovia understands that a short sale is quicker and less costly for them than a foreclosure.

You will be expected to move out promptly and keep the property in as good or better condition as when the process begins.

Sellers must act quickly because the program is temporary and could end anytime.

Another important thing for sellers to note is that Wachovia has agreed not to pursue sellers for any part of the balance due if you cooperate with this program.

If you know anyone who is in finantial problems and upside down in their mortgage, do them a favor and call me with their contact information and I will give them free foreclosure counseling. This way, they will know what their options are and can act accordingly.

It does not matter if the lender is on the Short Sale, Wachovia, World Savings or any other lender, I would love to help them understand their solutions.

See my Short Sale and Foreclosure Avoidance Web Site at
http://HAFAShortSaleConsultant.com/



Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Expert
Donna "Sunshine" Smith, SFR, Realtor® DRE# 01249837

Short Sale, Foreclosure Resource Certified

Taylor Place Real Estate
Buy or Sell a Home with Me, Use my Moving Truck - F R E E for life.

dennis@SanDiegoHomes4u.com
760-436-0087, or cell at 760-212-8225

See my Short Sale and Foreclosure Avoidance Web Site at

http://HAFAShortSaleConsultant.com/
http://www.sandiegohomes4u.com/home.htm

My Market Trends Report with graphs and charts for North Coastal San Diego will give you the Sales Statistics for the month and compare it with last year, by city!
http://www.sandiegohomes4u.com/RealEstateTrends.htm

You can view all available San Diego area homes for sale at http://www.sandiegohomes4u.com/MLS_Search.htm
You can search by address, by MLS number or by general criteria.

Providing quality Real Estate services in the North Coastal San Diego area including Del Mar, Solana Beach, Rancho Santa Fe, Cardiff by the Sea, Encinitas, Leucadia, Olivenhain, Carlsbad, La Costa, Aviara, Oceanside, Vista, San Marcos, San Elijo Hills, Escondido & San Diego County.

It is all about friends...

It is all about friends...
This story touched me but I do not send chain e-mails.

We all know or knew someone like this!!

One day, when I was a freshman in high school,
I saw a kid from my class was walking home from school.
His name was Kyle.
It looked like he was carrying all of his books.
I thought to myself, 'Why would anyone bring home all his books on a Friday? He must really be a nerd.'
I had quite a weekend planned (parties and a football game with my friends tomorrow afternoon), so I shrugged my shoulders and went on.


As I was walking, I saw a bunch of kids running toward him.
They ran at him, knocking all his books out of his arms and tripping him so he landed in the dirt.
His glasses went flying, and I saw them land in the grass about ten feet from him.
He looked up and I saw this terrible sadness in his eyes
My heart went out to him. So, I jogged over to him as he crawled around looking for his glasses, and I saw a tear in his eye.
As I handed him his glasses, I said, 'Those guys are jerks.'
They really should get lives.

He looked at me and said, 'Hey thanks!' There was a big smile on his face.
It was one of those smiles that showed real gratitude.
I helped him pick up his books, and asked him where he lived.
As it turned out, he lived near me, so I asked him why I had never seen him before. He said he had gone to private school before now.
I would have never hung out with a private school kid before.
We talked all the way home, and I carried some of his books. He turned out to be a pretty cool kid.
I asked him if he wanted to play a little football with my friends
He said yes.
We hung out all weekend and the more I got to know Kyle, the more I liked him, and my friends thought the same of him.

Monday morning came, and there was Kyle with the huge stack of books again.
I stopped him and said, 'Boy, you are gonna really build some serious muscles with this pile of books everyday!
He just laughed and handed me half the books. Over the next four years, Kyle and I became best friends.
When we were seniors we began to think about college.
Kyle decided on Georgetown and I was going to Duke.
I knew that we would always be friends, that the miles would never be a problem.

He was going to be a doctor and I was going for business on a football scholarship.

Kyle was valedictorian of our class.
I teased him all the time about being a nerd.
He had to prepare a speech for graduation.
I was so glad it wasn't me having to get up there and speak Graduation day. I saw Kyle. He looked great.
He was one of those guys that really found himself during high school.
He filled out and actually looked good in glasses...
He had more dates than I had and all the girls loved him.
Boy, sometimes I was jealous! Today was one of those days.
I could see that he was nervous about his speech.
So, I smacked him on the back and said, 'Hey, big guy, you'll be great!'
He looked at me with one of those looks (the really grateful one) and smiled.
' Thanks,' he said.

As he started his speech, he cleared his throat, and began
'Graduation is a time to thank those who helped you make it through those tough years.
Your parents, your teachers, your siblings, maybe a coach...but mostly your friends....
I am here to tell all of you that being a friend to someone is the best gift you can give them
I am going to tell you a story.'

I just looked at my friend with disbelief as he told the first day we met.
He had planned to kill himself over the weekend.
He talked of how he had cleaned out his locker so his Mom wouldn't have to do it later and was carrying his stuff home.
He looked hard at me and gave me a little smile.
'Thankfully, I was saved. My friend saved me from doing the unspeakable.'

I heard the gasp go through the crowd as this handsome, popular boy told us all about his weakest moment.
I saw his Mom and Dad looking at me and smiling that same grateful smile.

Not until that moment did I realize it's depth.
Never underestimate the power of your actions...
With one small gesture you can change a person's life.
For better or for worse, God puts us all in each others lives to impact one another in some way.
Look for God in others.

You now have two choices, you can : 1) Pass this on to your friends or
2) Delete it and act like it didn't touch your heart.
As you can see, I took choice number 1.

'Friends are angels who lift us to our feet when our wings have trouble remembering how to fly.'

There is no beginning or end. Yesterday is history.
Tomorrow is a mystery.. But today is a gift. That is why they call it
THE PRESENT!

$8000 Homebuyer tax credit update

$8000 Homebuyer tax credit update…The tax credit has been extended!!!!

Under the law, individuals with income up to $125,000 a year and couples earning up to $225,000 may be eligible for the $8000 Homebuyer tax credit. The extension would cover homes under contract by April 30th and closed by June 30th, 2010. And as we had also predicted, the  homebuyer tax credit will be expanded to non-first time homebuyers as well. There are a few tweaks for non-first time homebuyers - the credit is reduced from $8000 to $6500, and they must have owned and lived in their primary residence for at least five of the past eight years. Their new purchase must be for their primary residence, not a second home or investment home.

This is a great deal for home owners who want to more up, downsize or get a job transfer.
The purchase price of the home is capped at $800,000 in both instances.

Under additional provisions included in the bill, taxpayers can claim the credit on purchases completed in 2010 on their 2009 income tax returns. The legislation maintains the provision that home buyers do not have to repay the credit provided the home remains their primary residence for 36 months after purchase, and waives this requirement for active duty military personnel who move due to a military order.

Military veterans earn one-year federal tax credit extension


Military personnel, members of the Foreign Service, and employees of the intelligence community
have an extra year, through June 2011, to buy their principal residence in the U.S. and claim the federal tax credit. The deadline for a binding contract is April 30, 2011; the deadline to close the purchase is June 30, 2011. The extension applies to any individual (and, if married, the individual’s spouse) who serves on qualified official extended duty service outside of the United States for at period of least 90 days during the period beginning after Dec. 31, 2008, and ending before May 1, 2010.
 
The bill also adds some fraud protection.  Buyers will now have to include proof of purchace with their tax return.

For more details:
http://www.irs.gov/newsroom/article/0,,id=204671,00.html

http://www.federalhousingtaxcredit.com/glance.php

How does all this work in my case?  Ask your tax professional/

Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Expert
Taylor Place Real Estate
Buy or Sell a Home with Me, Use my Moving Truck - F R E E for life.
dennis@SanDiegoHomes4u.com
760-436-0087, or cell at 760-212-8225
http://www.sandiegohomes4u.com/home.htm

My Market Trends Report with graphs and charts for North Coastal San Diego will give you the Sales Statistics for the month and compare it with last year, by city!
http://www.sandiegohomes4u.com/RealEstateTrends.htm

You can view all available San Diego area homes for sale at http://www.sandiegohomes4u.com/MLS_Search.htm
You can search by address, by MLS number or by general criteria.

Providing quality Real Estate services in the North Coastal San Diego area including Del Mar, Solana Beach, Rancho Santa Fe, Cardiff by the Sea, Encinitas, Leucadia, Olivenhain, Carlsbad, La Costa, Aviara, Oceanside, Vista, San Marcos, San Elijo Hills, Escondido & San Diego County.

Where are all the Foreclosures San Diego County?

Where are all the Foreclosures in San Diego County?

San Diego County has less than 600 Bank Owned Foreclosures or REO’s currently in the San Diego Multiple Listing Service (MLS). A year ago, we had over 3000 active REO’s.

There were 1063 and 1044 REO’s sold this June and July. There were 861 and 846 REO’s sold this August and September.

The sold prices for REO’s have been steadily rising in these months: $242K, $240K, $248K. $256K, $276K. That is a 13% increase in the last 4 months.

Of course, these are not the figures we hear in the media.

Why are there so few Foreclosures in San Diego County?
There are several opinions.
Banks are waiting till the prices go up.
Because of the TARP funds, they have been told to make Obama look good.
They are getting tax breaks.
They do not want to show the write-offs on their books. (Didn’t some banks report huge profits recently? Not the case if they report the “real value” of the assets. That will hurt their stock price.)

The best of the answers seems to be from Sean O’Toole of Foreclosure Radar, a Foreclosure tracking service. In his Blog http://www.foreclosuretruth.com/blog/sean he states that the lenders are getting more money from the Government (WE TAXPAYERS) by holding on, than they can get from the Foreclosure.

“I speculated that foreclosures had dropped primarily because of U.S. Treasury Secretary Henry Paulson's announcment to seek troubled asset relief for banks. The result being that banks are incentivized not to foreclose thanks to mark-to-model accounting changes, and an implied promise that the Fed or taxpayers will take bad loans off their hands at a premium if necessary.”




Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Expert
Taylor Place Real Estate
Buy or Sell a Home with Me, Use my Moving Truck - F R E E for life.
dennis@SanDiegoHomes4u.com
760-436-0087, or cell at 760-212-8225
http://www.sandiegohomes4u.com/home.htm

My Market Trends Report with graphs and charts for North Coastal San Diego will give you the Sales Statistics for the month and compare it with last year, by city!
http://www.sandiegohomes4u.com/RealEstateTrends.htm

You can view all available San Diego area homes for sale at http://www.sandiegohomes4u.com/MLS_Search.htm
You can search by address, by MLS number or by general criteria.

Providing quality Real Estate services in the North Coastal San Diego area including Del Mar, Solana Beach, Rancho Santa Fe, Cardiff by the Sea, Encinitas, Leucadia, Olivenhain, Carlsbad, La Costa, Aviara, Oceanside, Vista, San Marcos, San Elijo Hills, Escondido & San Diego County.

Senate plans to extend an $8,000 tax credit for first-time homebuyers

Senate plans to extend an $8,000 tax credit for first-time homebuyers and allow benefits for some people who already own residences.

The proposal would also let existing homeowners qualify for a $6,500 credit if they have lived in their residence for five years.

The homebuyers’ credit would be available to individuals earning up to $125,000, or $250,000 for couples, up from $75,000 for individuals and $150,000 for couples under the current law.

The plan would extend the $8,000 tax credit for first-time homebuyers, due to expire Nov. 30, to home purchases under contract by April 30, 2010, with borrowers allowed another 60 days to close the sale.

It is not a done deal yet because it is tied to bill to extend unemployment benefits along with several other "pork" amendments. Fortunately, there seems to be little resistance to the home buyers credit. We will have to see exactly comes out of the bill.



Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Expert
Taylor Place Real Estate
Buy or Sell a Home with Me, Use my Moving Truck - F R E E for life.
dennis@SanDiegoHomes4u.com
760-436-0087, or cell at 760-212-8225
http://www.sandiegohomes4u.com/home.htm

My Market Trends Report with graphs and charts for North Coastal San Diego will give you the Sales Statistics for the month and compare it with last year, by city!
http://www.sandiegohomes4u.com/RealEstateTrends.htm

You can view all available San Diego area homes for sale at http://www.sandiegohomes4u.com/MLS_Search.htm
You can search by address, by MLS number or by general criteria.

Providing quality Real Estate services in the North Coastal San Diego area including Del Mar, Solana Beach, Rancho Santa Fe, Cardiff by the Sea, Encinitas, Leucadia, Olivenhain, Carlsbad, La Costa, Aviara, Oceanside, Vista, San Marcos, San Elijo Hills, Escondido & San Diego County.

760 Area Code must now dial 760 for all calls

760 Area Code must now dial 760 for all calls.

It changes tomorrow 10/24/2009!

From a land line you will need to dial 1-760-436-0087 to reach me.
From a cell phone you can dial 760-436-0087 with or without the "1".

You will also need to change all your autodialers for Area Code 760.

Notify alarm service providers of the appropriate area code + telephone number(s) so alarm service records and equipment can be updated as needed.

This will include your preset numbers in your cell phone, call forwarding, fax, modem and any other devices that you have that automatically dial a phone number.

Individuals can still just dial only three digits to call phone numbers such as emergency 911, 211, 311, 411, 511, 611, and 711.

Calls that were local before the area code change will remain local calls. The distance, time of day, and length of a call determine the price of a call not the dialing pattern.

Dennis Smith, ABR, SRES, e-PRO, CDPE,Realtor® DRE# 00476662
Certified Distressed Property Expert
Taylor Place Real Estate
Buy or Sell a Home with Me, Use my Moving Truck - F R E E for life.
dennis@SanDiegoHomes4u.com
760-436-0087, or cell at 760-212-8225
http://www.sandiegohomes4u.com/home.htm

My Market Trends Report with graphs and charts for North Coastal San Diego will give you the Sales Statistics for the month and compare it with last year, by city!
http://www.sandiegohomes4u.com/RealEstateTrends.htm

You can view all available San Diego area homes for sale at http://www.sandiegohomes4u.com/MLS_Search.htm
You can search by address, by MLS number or by general criteria.

Providing quality Real Estate services in the N Coastal San Diego area including Del Mar, Solana Beach, Rancho Santa Fe, Cardiff by the Sea, Encinitas, Leucadia, Olivenhain, Carlsbad, La Costa, Aviara, Oceanside, Vista, San Marcos, San Elijo Hills, Escondido & San Diego County

San Diego Real Estate Market Report

San Diego Real Estate Market Report

The median price for San Diego County single family,
re-sale homes rose 2.4% in September compared to August.

Year-over-year, the median price was up 1.4%. This is the first time the median price has been higher than the year before since June 2006.

The median price for homes is now at its highest level since August 2008.

Home sales were up in September, gaining 6.4% from August.
Year-over-year, home sales were down 1%.
This is the first time since June 2008 home sales
have down compared to the year before. Year-to-date,
home sales are up 16%.

San Diego County Condo sales were up 5% month-over-month, and down 2.5% compared to last September.
Year-to-date, condo sales are up 17.6% but
prices dropped 8.9% from August, 09.

My complete on-line report is available here: http://dennissmith.rereport.com

Please contact me to see how this information affects your and your home buying or selling needs.

You can view all available San Diego area homes for sale at
http://www.sandiegohomes4u.com/MLS_Search.htm
You can search by address, by MLS number or by general criteria.

Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Expert
Taylor Place Real Estate

dennis@SanDiegoHomes4u.com
760-436-0087, or cell at 760-212-8225
http://www.sandiegohomes4u.com/home.htm

Ways to Get or Increase Your Downpayment

Ways to Get or Increase Your Downpayment.  

It can be a maze.

1. Ask for a gift from any family member. Most lenders accept gift letters for your down payment.

2. Borrow the money from a family member. Many lenders accept family loans.

3. Borrow the money from a non-family member: employer, friend, Non Profit Group or Government. $8000 Tax Rebate but must be closed by 11/30/09

4. Borrow from your insurance policy.

5. Borrow from your stock account.

6. Borrow from your retirement account. Your home is a great retirement asset. Why not own one as soon as you can. http://www.brokeragentsocial.com/BobPhillips/blog/2981/

7. Borrow from your credit cards. Most lenders do not approve of this unless your down payment is over 20%

8. Get one or more unsecured loans from your bank or credit union.

9. Find a partner to buy with you: friend, relative or investor.

10. Find a co-signer. You and cosigner must qualify.

More Ways to Get or Increase Your Downpayment:

11. Finance or refinance another asset you have:
House, lot, boat, car, jewelry or ? you may be able to use that asset as collateral.

12. Sell an asset: Anything of value! Many people are getting great prices on Internet auction sites, the worlds largest free classifieds.

13. Trade something of value with the seller. One of your assets or your skills. (What do you do for a vocation or hobby that may be of value to the seller)

14. Get a second job. There can be significant tax benefits to an “in home” business, even if you live in a rental.

15. Ask the seller to pay for your down payment, closing costs or even pay off your debits. The presentation of this type of request is critical. You must show why it is in the sellers best interest to do so.

16. Increase the price so the seller feels comfortable paying your costs or debits.

17. Ask the seller to carry some or all of the financing.

18. Spend Less! Do you really need a Starbucks 1-2 times a day when regular coffee will work. Slim down those TV and Cell Phone packages for awhile.

19. It’s all about determining what is REALLY important to you. What are you willing to do to own a home and reap the tax, lifestyle, appreciation and equity benefits you will get?

If you can think of other ways to legally get or increase your downpayment, please let me know.

Dennis Smith  760-436-0087
Taylor Place Real Estate

Rates - APR - Points - Fees: How the Playing Field is Still "Crooked"

Rates - APR - Points - Fees: How the Playing Field is Still "Crooked"

This is a re-blog with permission from Steve Kappre, a Mortgage Planner with Treasury Mortgage


I talked to a client today who was shopping me against some other lenders. I don't blame people, and frankly if I think someone else has a better offer and they are legit, I advise "my client" so and have no hard feelings.

In the scenario today, said client was offered 4.5% with no points. I told him it wasn't possible, but lest I be ignorant, I dropped by this other lender's website. Indeed, the lenders website quoted 4.5% with no points and an APR of 4.878%. The website gave the assumed loan amount and purchase price. So I went and did the math. What did I find out? To make the rate and APR accurate, I had to add 2.25% in points ON TOP OF all of the regular fees (title, appraisal, etc.).

In other words, even though the quote was 4.5% with zero points, the TRUE cost was 4.5%, plus typical closing costs, PLUS 2.25% in additional fees/costs.
Please send me your Goofy Good Fake Faith Estimate!

There are several issues with this scenario

APR is supposed to HELP consumers, not confuse them. Clearly this bank (a large bank at that) is charging hefty fees instead of points. This brings us to our next point ...

Points are tax deductible costs - most other fees are not. Charging high fees in lieu of points is an injustice to the consumer. We see rates quoted with NO POINTS to make them look better to consumers. However the total cost is ultimately higher than a lender that is straight forward, charging the same dollar amount but in the form of points. A loan with the same cost in points (versus fees) is a far better deal, saving a consumer hundreds or thousands in tax deductible costs.

APR is "pliable" - Certain fees are calculated into the APR calculation, others are not. Do not assume lenders don't play with the "names" of fees to artificially lower their APR's. That doesn't seem to be the case in the above example, nonetheless keep this in mind.

Lastly, said bank WOULD NOT give the buyer a good faith estimate without having him apply for a mortgage. OK, not so crazy, but the good faith estimate would not be given for 3 days. And if the bank charged an application fee? That would just be another deceptive way to lure a consumer in and tie them to the bank.

Any lender should be able to offer you a good faith estimate (GFE) in a fairly short amount of time, 24 hours or less, allowing some time for when a lender is very busy. Assuming the lender is honest and accurate with their fees, you should be able to see the true cost of their offered rate. You should be able to see, as in the above scenario, that their rate of 4.5% with no points really has a lender fee of $4,119 (Actual additional cost based on their APR). This same week I had another rate shopper send me a goof good faith estimate with 1% in points and $2,100 in application fees. THIS IS NOT NORMAL or fair to you as a consumer, especially on a purchase loan.
I am not angry for losing business, because I didn't lose business. I am however angry because of the lenders and loan officers that mislead and deceive consumers who are just looking out for themselves by rate shopping. What we often see, is that many consumers that search the world over for the lowest rate, actually end up paying much higher costs via deceptive lenders. Consumers can be blinded by a low rate, not allowing them to see the true cost.

Steve Kappre is a Mortgage Planner with Treasury Mortgage. Steve specializes in
• All areas concerning NJ First-Time Home Buyer Mortgages, grants, down payment assistance, tax credits, and more.
• Reverse Mortgages
• Equity Management strategies for high-end homes and high net worth individuals
Contact Steve Kappre directly at 856-419-3561 or at http://www.stevekappre.com/

End of his Blog at http://activerain.com/blogsview/1266423/rates-apr-points-fees-gfe-s-how-the-playing-field-is-still-crooked-

_________________________________

My comments:  I agree with Steve completely!

This deceit is not just with online lenders although they have a higher percentage of problems. You can even see it at your local bank. A point dressed up as a fee still costs you money and most fees are not deductible.

This is why I use 2 local lenders who I know and trust to get the loan done right and charge REASONABLE fees.  Everybody deserves to make a fair living but not by deceit.

I have worked with both of these local lenders for over 8 years each.  They have both done an outstanding job with my clients which is why I continue recommending them.  Please call me for their contact info.  760-436-0087

Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Expert
Taylor Place Real Estate
http://www.sandiegohomes4u.com/
dennis@SanDiegoHomes4u.com

15-30 days left for $8000? First Time Home Buyers Scramble!

First Time Home Buyers may be too late for $8000 tax credit. 


The $8000 tax credit expires Nov 30th however, it currently takes 30 to 45 days to close an escrow.  That means you only have 15 to 30 days to get an offer accepted.

(Update - Credit has been extended.  You must be under contract by 4/31/2010,  The Senate Finance Committee and Capitol Hill in general, are not inclined to extend this program again. The National Association of Realtors, the lobbyist for this program, were cautioned that any discussion regarding a further extension of the program was not likely, and would certainly be met with opposition.)

I would not count on the extension.  Bernanke said the recession is over and we have started back to recovery.  Therefore, he states, we need to cut back on some of the stimulus money.  Will it mean the $8000 is gone - maybe?

See my Blog below from Monday, September 7, 2009 for more information on how to get your $8000 share of the Stimulus Money.

Call me now to set up time to see property and get you into your new home. 
          Don't be left alone on the fence.

Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Expert
Taylor Place Real Estate
760-436-0087

Furniture Fantasy Sale Sat., 8/26/09

Furniture Fantasy Sale Sat., 8/26/09 was GREAT!
Watch for it again next year

Have you ever walked through a Model Home and wished you could get a good deal on the furnishings in the home?  BIA can help.  The Building Industry Association of San Diego County has an annual fundraiser in a 23,000 SqFt warehouse full of great furnishings from Model Homes.

Well now you can. 
As much as 90% off retail.

You must be there early since people start lining up at 4AM. It is open at 8AM and mostly gone by mid morning.

OPEN TO THE PUBLIC
September 26, 2009
8:00am till SOLD OUT
Note: they made over $60K for charity this year - 2009.  Watch for it again in 2010.

FEATURING:

HIGH-END MODEL HOME FURNISHINGS

OFFICE FURNITURE, APPLIANCES

ACCESSORIES

CONSTRUCTION/REMODEL SUPPLIES

All sales are final and items must be removed that day!!!
Cash and Credit Card (MC, Visa, Amex& Discover) accepted

Dont miss the Furniture Fantasy Sale.
Visit: http://www.biacares.org/  for more information.
http://www.biasandiego.org/pdfs/Sales_Flyer.pdf

SALE LOCATION:
3574 Ruffin Road South
San Diego, CA 92123

Exit Interstate 15 on Aero
Go West 1 Mile
Location is one block south off Aero Drive

Follow the Signs!!!

ANOTHER GREAT DEAL!
After you are done there...if you have any money left...
go to the Habitat for Humanity ReStore for more bargains.
The ReStore is having a sale THE WEEK BEFORE on Sat 8/19/2009 to 70% off.
http://www.sdhfh.org/
10222 San Diego Mission Rd
San Diego, CA 92108
(619) 516-5267
 
Up to 70% OFF every Item: cabinets, doors, appliances, granite countertops, windows, lighting, plumbing, flooring, antiques, architectural items and more.

Proceeds to benefit construction of affordable housing in San Diego County.

Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Expert
760-436-0087