Archive for the 'My Stories' Category
December 19th, 2009 Categories: My Stories, Sacramento Real Estate, Sacramento Real Estate Trends
Folsom real estare, Granite Bay real estate and El Dorado Hills real estate specialists: TheHoytGroup!
HoytGroup Tools:
FEATURED FOLSOM HOMES FOR SALE Some of the Best Folsom Homes listed with all the companies, special deals, Great Features, you might call this our favorites list…
FOLSOM BANK OWNED HOMES still the best deals around; great folsom distressed sales and folsom foreclosure pricing, plus quick closes and usually easy transactions!
FOLSOM SHORT SALES sometimes the best values if you are patient!
We are your folsom real estate specialists– our buyer inquiries have been averaging over 12 per day– even right before christmas! With at least three open houses per week, over thirty websites and a team of seasoned professionals (over 100 years of realestate expernce combined) the hout group is you Folsom Real Estate Leader!
Forth Hoyt CRS, RDCPro
SRES, e-PRO, Master’s Club
Certified Preforeclosure Specialist
Our Mission Statement:
We Care…
About our clients;
their dreams,
their goals,
their needs…
About everyone involved in every transaction…
My team works constantly to improve our systems and services;
WE DO IT RIGHT!!
Going well beyond the standard level of service provided by most agents, we are continuously changing, growing and updating in our pursuit of excellence; we remain focused on education, training and renewing our commitment to quality. We strive to provide the best service,the best advertising, the best, most up-to-date exposure techniques, most in-depth market knowledge and the best Real Estate advice around…Period!
As we guide you through the real estate process, we’ll get you the best deal in the least amount of time, with the fewest hassles, and we’ll have fun doing it! We’ll provide a level of service that makes it very easy for you to refer your friends and family to us!
Give us a call!
Thanks,
SRES, e-PRO, Master’s Club
Certified Preforeclosure Specialist
The Hoyt Group
Keller Williams Realty
916-248-7777
TheHoytGroup@Number1Expert.com
http://www.realestate-sacramento.net
http://www.sachomesearch.net/
http://www.sacramentorealestatetalk.com
Monthly e-newsletter
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Thought you might like this……
November 18th, 2009 Categories: My Stories
A great friend of mine emailed me this yesterday; thought i’d share it here…
A lesson that should be taught in all schools . . and colleges!
of school, with the permission of the school superintendent, the principal and the building supervisor, she removed all of the desks from her classroom.
has done to earn the right to sit at the desks tha t are ordinarily found in this classroom. Now I am going to tell you.’
first time in their lives, just how the right to sit at those desks had been earned.
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Count Your Blessings… Look For The Silver Lining
November 13th, 2009 Categories: All about me, My Stories
A note from Forth Hoyt…
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TARP Watchdogs Say Government’s Not Doing Enough to Stop Foreclosures
October 14th, 2009 Categories: Mortgage and Loans, My Stories, Real Estate News
From DSNews:
The Congressional Oversight Panel, set up to police the U.S. $700 billion bailout of financial markets, said in a report last week that the federal government isn’t doing enough to help homeowners who face foreclosure.
A majority of the panel’s members signed on to the Oct. 9 report, titled “An Assessment of Foreclosure Mitigation Efforts after Six Months.” The panel’s two Republican members distanced themselves from the findings.
The report expressed doubts that the “scale, scope, and permanence” of the Treasury Department’s Making Home Affordable Modification Program would adequately protect U.S. homeowners. The Treasury had previously said HAMP would help prevent as many as 4 million foreclosures with loan modifications through approved servicers and lenders.
“Rising unemployment, weak home prices, and impending mortgage rate resets still threaten to cast millions of Americans out of their homes, with devastating effects on families, local communities, and the broader economy,” the report said, noting that one in eight U.S. mortgages was currently in foreclosure or default, ultimately producing “10 to 12 million foreclosures.”
But panel member Jeb Hensarling – a Republican Texas Congressman who calls himself a “lifelong conservative” on the COP Web site – disagreed with the report. “Instead of focusing its attention on taxpayer protection and oversight,” he wrote in his dissent, “the panel’s majority report implies that the administration should commit additional taxpayer funds in hopes of helping distressed homeowners — both deserving and undeserving — with a taxpayer subsidized rescue.”
The report was the latest in a series of monthly opinions issued by the panel, which is charged with finding ways to improve the $700 billion Troubled Asset Relief Program. Its blistering critique came this week on the heels of an Oct. 6 announcement by officials from the Treasury and the Department of Housing and Urban Development that HAMP had resulted in 500,000 trial modifications for home loans, a month ahead of its self-imposed target date.
As DS News previously reported, the Treasury took that milestone moment as an opportunity to argue for HAMP’s effectiveness, noting that the pace of loan modifications was now greater that the pace of new foreclosures.
But Treasury Secretary Timothy Geithner still acknowledged “a large number of families” were still at risk of foreclosure.
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Sacramento Housing Crash causes market to nearly double…
April 1st, 2009 Categories: Mortgage and Loans, My Stories, Real Estate News, Sacramento Home Buyers, Sacramento RE Stats, Sacramento Real Estate, Sacramento Sellers
The number of closed escrows here in the Sacramento market has increased 81% over 2008’s numbers, According to the Sacramento Association of Realtors, who’s information is taken from the MetroList® Multiple Listing Service database.
As a state, California did even better, in the last six months; sales have gone up 89 percent compared with a year ago, according to the California Association of Realtors.
It seems like the worse it gets, the better it gets.
Some of the increase is because of the ease of financing:
Lenders and Sellers are getting aggressive with financing options: Programs such as Fannie Mae’s Homepath Program: with a 3% required downpayment, no appraisal (or appraisal fees) no mortgage insurance and up to 6% seller concessions for closing costs. This loan is only available on Fannie Mae owned homes…
The USBank American Dream Program, (with 3% down, and all but $1,000 can be gifts grants or seller contributions) also comes with an available $3000 in Entry Cost Assistance (which is silent second with no interest, no required payments) it also lets the buyer do up to $5,000 in a repair escrow that can be seller funded, AND buyers only qualify on the last 12 months of income, including overtime and commissions! This loan also has no mortgage insurance! This program is available on any home!
Get ahold of me; I can direct you to some great lenders that are doing these loans in boatloads and have them down pat!
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Green Governator unveils California’s ‘Astronauts of the Green Revolution’
March 17th, 2009 Categories: My Stories, Sacramento Economy
Just yesterday, Arnold Schwarzenegger launched the California Green Corps; that will place at-risk young adults aged 16 to 24 into jobs in California’s emerging green economy.
Governor Schwarzenegger said “The Green Corps will help underprivileged young people learn job skills while we create a well-trained workforce for clean technology and for the green economy. I’ve been pushing for this program for a long time, because it kind of combines my passion for the environment, for protecting the economy, creating jobs, career-tech education and helping underprivileged kids and of course, service.”
A $20 million project, It consists of a combination of $10 million in federal economic stimulus funding (U.S. Department of Labor) and $10 million from public-private partnerships. The first phase of the California Green Corps will consist of a 20-month pilot program reaching at least 1,000 of California’s at-risk young adults.
In their presidential campaign, Obama had promised to create a Green Jobs Corps to engage disadvantaged youth in energy efficiency opportunities to strengthen their communities, while providing them with practical skills in this high-growth career field.
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Interesting Sacramento Market Statistics for First Two Weeks of August
August 16th, 2008 Categories: My Stories, Real Estate Trends, Sacramento RE Stats, Sacramento Real Estate, Sacramento Sellers, Shortsales
New listings are finally outpacing pending sales. In the tri-county area (Sacramento, Placer, El Dorado) it looks like the summer flurry is already subsiding- the total available homes on the market is now building again.
| Active: 2207 | Pending: 1846 | Sold: 893 | Other: 0 | Total: 4946 |
| Bedrooms | Bathrooms | Square Feet | List Price | Selling Price | Days on Market | |
| Minimum | 0 | 0.00 | 90 | $22,900 | $28,500 | 0 |
| Average | 3 | 0.00 | 1,806 | $283,188 | $276,468 | 37 |
| Median | 3 | 2.00 | 1,575 | $232,900 | $247,000 | 12 |
| Maximum | 7 | 0.00 | 10,500 | $3,600,000 | $3,500,000 | 518 |
| Total Dollar Value | $246,886,155 |
| Average DOM Breakdown and Average % of List Price received on Solds by Market time: |
| 0-30 Days | 31-60 Days | 61-90 Days | 91-120 Days | 120+ Days | |
| No. of Listings | 488 | 124 | 76 | 86 | 119 |
| Breakdown % | 54.65 | 13.89 | 8.51 | 9.63 | 13.33 |
| Avg SP % LP | 100.96 | 97.19 | 96.18 | 94.45 | 94.25 |
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4 reasons to use a CRS… even in Witchita…
June 7th, 2008 Categories: All about me, My Stories
When I’m finished with next week’s training, I’ll only have one more class left to reach my 2008 year goal of finishing my CRS training…
What is CRS?
The Certified Residential Specialist (CRS) is the highest Designation awarded to sales associates in the residential sales field. The CRS Designation recognizes professional accomplishments in both experience and education.
Needle in a haystack: One in a million…Why use a CRS?
There are over one million REALTORS® in business today. So if you want to find that one-in-a-million REALTOR®, start with the over 37,000 who hold the Certified Residential Specialist Designation. CRS is the symbol of excellence in residential real estate. Our members have proven they have the experience, training and commitment to be among the best in their profession.
Since 1977 the Council of Residential Specialists has been conferring the CRS Designation on agents who meet its stringent requirements. Currently, there are more than 39,000 active CRS Designees.
I love to learn, love to improve and love to bring tools back to my busines that will make a difference in my clients’ lives and their real estate experience.
I can’t wait to begin my six-day intensive training schedule for next week…
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Pass It On…
May 28th, 2008 Categories: All about me, My Stories
http://www.youtube.com/watch?v=nuKuXfvMG5w
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More Hope for Sacramento Shortsales…
May 4th, 2008 Categories: My Stories, Pre Foreclosures, Real Estate News, Real Estate Trends, Sacramento RE Stats, Sacramento Real Estate, Sacramento Sellers, Shortsales
We just got an approval letter on a shortsale the other day; from Countrywide! In just three short weeks! It is for a client who’s home here in Folsom is in foreclosure. We had it on the market for only a week and received several offers, one full price with plenty down. The buyer, who understands the short sale process and the potential downfalls, is represented by a great agent I worked with at my old company. They absolutely no matter what have to live in that neighborhood and were willing to wait and take the risk of a bank saying no.
We now have two files with Indymac, another Countrywide, One with an Option One first and HSBC second (I usually don’t even try to work a shortsale listing with a first and a second, however the HSBC gal I talked to in their loss Mitigation department promised they would work with us).
We also have buyers in contract on a beautiful home in Orangevale who we are anticipating an approval letter from Homeq, this week… It is a screaming deal too– these kids will move in with 20 or 30k in equity… on a street where the last reo listing sold in two days, and in a market where we have probably reached a bottom!
Yes, these people have waited six weeks for an answer from the bank. We have seen at least thirty other houses since we wrote the offer, and the buyers have always wanted to keep the offer in and continue to try… It is always an exercise in patience and understanding for me; working with buyers who want to write on a short sale! …but it always seems to work out in the long run for the best; we either close on the short sale or find another home while we wait.
I really expect short sales to get easier… they have to!
Some banks, Indymac, Homeq, Countrywide, along with several other smaller lenders are getting their acts together and I look forward to being able to really move some real estate sometime soon.
The banks just must keep working on their systems and improving their timetables… there are so many more foreclosures coming! There has been another jump in California foreclosures last quarter, which means this summer, fall and winter, there may be another jump in shortsales and REO’s…
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