Is your Sacramento house worth more than you owe? Refinance with a HARP Loan.  The Home Affordable Refinance Program known as HARP can help lower your monthly mortgage payments. HARP is designed to help you get a new more affordable mortgage. Check to see if your Sacramento home loan can be refinanced with a HARP. If you are current on your mortgage, with or without equity in your home, then you could be eligible for this program. The HARP program allows you take to advantage of current market rates even if you are “underwater”. Underwater in this context means you [&hellip

Housing Sacramento Magazine reports: California congressmen directs chairman Bernanke to give clarity on QRM helping Sacramento real estate Federal Reserve Chairman Ben Bernanke spoke on February 27, 2013 at a hearing of the House Financial Services Committee. His points about the economy and the need for continuing fed actions made the markets move and helped to clarify the fed’s direction in the future. The big news for Sacramento real estate is when Chairman Ben Bernanke answered California’s congressman Gary Miller about qualified residential mortgage or QRM. Basically the chairman said QRM may be difficult if the regulation did include the [&hellip

miscommunication and genius I recently wrote a blog about realtor miscommunication and the concept is still fresh in my mind. Then this embarrassing situation happens to me on Sunday. I was serving in the 4 year old Sunday school when we had the most ever, 42 four year olds! If they were normal 4 year olds we would have had enough crazy energy to power a small city. But these kids are the sweetest and kindest kids, making the experience very fun for all. When snack time came, we had only four tables that seat 8. Not enough places for [&hellip

Northern California horse property and Texas horse property have some key differences. By Havilah Parisi Pony.Estate I recently went to Texas and while I was there I took a horse lesson. I noticed some differences in Northern California horse properties and Texas properties. Northern California horse property and Texas horse property have some natural features contrasts. California foothill properties are a little more scenic.  Texas horse property tends to be much larger with more open spaces. I have ridden in the California foothills for 9 years. I enjoy the trees that surround the barns, the brisk mornings where your hands go [&hellip

Coffee Real Estate –Sacramento & Foothills the real estate solution You heard of the guy who likes the business so much he brought it. Well I hated mine and my family’s real estate experiences so much I felt a mission to start one. I thought there must be a better way to offer real estate service with compassion and fair prices without all the stress. I wanted a professional real estate service that could communicate clearly the complexities of the real estate transaction. For that reason I started Coffee Real Estate –Sacramento & Foothills with the mission to serve our [&hellip

The two big challenges when creating a new home wish list Creating a new home wish list in Sacramento can be challenging. Not because you can’t find everything you want but because so many houses in Sacramento are feature rich. Therefore making a house wish list useful instead of a function in futility is recognizing the two keys challenges and making them work for you instead of against you. The first key is balancing price with the list. The tension that price puts on any home wish list is unrelenting. If you like to put a positive spin on it, [&hellip

Should I buy or rent in Sacramento? The question should I buy or rent in Sacramento is a personal one. What is right for you is right. It is that simple. The hard part is getting all the good information to decide what is right for you to buy a Sacramento house or rent. The advantages of renting have a common theme of risk.  First, only a reasonably small expenditure of money is required to rent, usually the first and last months’ rents and a security deposit. The risk is less in renting because your initial outlay is limited. The [&hellip

Make over a typical Sacramento house into a family home Moving into a new Sacramento house and making it into a home can be daunting. In a new article in Housing Sacramento Magazine, Christina Walker shared how to make a house a home. Here are some highlights. Making a house a home is equal parts personalization and actually using and enjoying your new space. Personalize your houses with fresh paint.  Paint is the cheapest way to renovate or redesign a room. Add personality by finding a way to display some of your collection in every major living area. They individualize [&hellip

The four important ingredients of Real Estate Value  Like baking a cake, if you don’t have the right ingredients you don’t have a cake. The four important ingredients of Real Estate Value must be present to understand the value of the property.  The four ingredients or elements of real estate value that must be present are utility, scarcity, demand, and transferability. The utility of the property refers to its usefulness. The more useful a property is, the greater its potential value. Utility can be general like a standard house or specialize like a purposive built structure. The advantage of a [&hellip

Why Short Sale a house in Sacramento? Selling a house with a short sale in Sacramento is no easy thing. There are many questions. But are there any benefits to short selling a house? Selling Your House For Cash In Sacramento – Our Cash For Houses Program Debt Forgiveness is one of the biggest benefits of a short sale. If the short sale is approved then loan balance usually has the remaining debt forgiven. This amount of debt forgiveness could be a few thousand dollars or over a hundred thousand dollars. The credit impact of a short sale is much [&hellip