SUNSETS WORTH BRAGGING ABOUT

Ocean Views From the Top of the Hill ! Adjacent to 17 mile Dr. Long-Tome Residents Attest to the Quality of Life Here. 24Hr recorded msg gives details:

1 866 866 6662 x1100

https://www.youtube.com/v/picasacid?version=3

You can find “small town living” and “big city conveniences”.  Homes range from condos to castles, senior living communities, small and large lots and acreage. 

You will be surrounded by all the necessary amenities to create that special quality of life; Highly Ranked Schools, Shopping, Medical Facilities, Entertainment, Restaurants, Parks & Playgrounds, Art Galleries, Golf Courses to name a few.

The heart of our area is the Town Center.  Not only are there grocery stores, but one-of-a-kind gift shops, art galleries, restaurants, medical and professional offices, banks, Regal Cinemas 14, salons and spas, ice cream shops, coffee houses, and boutiques just to name a few. Special events like The Farmers” Market, the July 4th Fireworks Jubilee, Fallen Warriors Memorial Car and Motorcycle Show, the Rotary Wine & Cheese Party Family Fun Fair, and Live on the Boulevard Events offer some of the endless possibilities.

One of our favorite things about the area is that we enjoy all four seasons here.  The beautiful spring weather and lush green hills renew our enjoyment of the entire area when outdoor activities in the lower elevations can’t be enjoyed.   (El Dorado County goes from 200 feet above sea level at Folsom Lake, to 10,000′ at Heavenly Valley Ski Resort).

The summer brings opportunities to explore the many lakes and rivers. A day trip to Old Town Sacramento for lunch or dinner on the Sacramento River is only 20 minutes away.

Fall is radiant in El Dorado County — trees blazing with color and the season wouldn’t be complete without a trip to Apple Hill to sample their wonderful apple cider, pies and cakes.

Then winter brings the white caps on the Sierra Mountains for the Holidays and Winter sports

The Author at Town Center

I thought you might like to see a gallery of pictures of our area to give you an idea of what you are missing if you don’t become one of our residents. There are so many reasons to live here that I can’t list them all. I feel fortunate to have moved here in 1981 and am positive I’ll never move again.

Father of 4 Gives JILL BERNI Testamonial from JILL BERNI

Father of 4 Gives JILL BERNI Testamonial from JILL BERNI – Broker/Realtor on Vimeo.

ShortSale vs. Foreclosure to Stop Foreclosure,

and Avoid “7 Years Bad Luck”on your Credit…

A Case for the Short Sale

Our Mission

We at OakTree Real Estate Services are providing concise information that prudent Home Owners require.

What is a Short Sale? How does one work? What does the bank need from me in order to consider the homeowner for a Short Sale? How can I avoid the frustrations commonly associated with this type of transaction? Local Broker, JILL BERNI has become increasingly motivated to educate and inform the general real estate community, especially in high-foreclosure areas around the country. We are based out of Northern California, and the primary focus of our company is helping distressed homeowners and educating the general real estate community, primarily real estate agents, on how to effectively do Short Sale transactions, earn a commission provided by the lender, and ultimately save another homeowner from foreclosure. We have been down in the trenches doing Short Sale transactions successfully for the past 5 years. We have also meticulously documented, studied, and applied effective systems and solutions for getting these transactions closed! We have experienced the great rewards of witnessing many homeowners walk away from a potentially devastating situation and are now relaying the news across America that there is effective Short Sale education being offered by real estate agents for real estate agents!

How can we, as a Profession, combat rising foreclosure rates?

When the nation faces a foreclosure crisis like we are seeing today, the individuals most victimized are inevitably the homeowners. Whether they have been imposed upon by shady builder programs or predatory lending practices, or are simply facing devastating personal crises such as job loss, divorce, or illness, homeowners who become delinquent in their mortgages are extremely vulnerable, made worse by the fact that in many cases, these homeowners owe more than their property is worth. You may have received calls from prospective clients in this situation. Did you know what to do for them? Or, thinking there was no way for you to get paid in a negative equity situation, did you tell them you could not help?

Most homeowners are completely uneducated about the foreclosure process and about their options when facing foreclosure.

Misconceptions and misinformation abound. Some homeowners have no idea that a bank will foreclose on them after one missed payment. Others expect that a sheriff will simply show up at their door and throw them out once the checks stop coming. Thousands of these homeowners become victims of con-artists who take advantage of their desperation and lack of information. “Foreclosure Hotlines” have become an important resource to homeowners facing this situation, but the truth is that the best resource they could potentially have is you, their agent. With the help of a real estate agent, the homeowner may be able to sell their property for less than the amount owed to the bank and walk away from the situation without any cost to themselves. This is called “Short Sale,” and most banks are willing to accept this kind of arrangement and pay the Realtor(s) involved a commission, because foreclosures are ultimately much more expensive than accepting discounted payments. Now, that is what we call a win-win situation.

The Foreclosure Process

Before the bank will cooperate, a real estate agent must be involved!

Here’s where the problem lies. Most real estate agents don’t know how to effectively facilitate a Short Sale transaction. Many don’t even know what a Short Sale is. So many who attempt these transactions without the proper information have disastrous experiences that make these clients undesirable to themselves and their colleagues. The sad consequences are that so many homeowners are unnecessarily facing foreclosure because real estate agents don’t have the know-how or the desire to step up to the plate. What if you could become the expert that makes a difference in these homeowner’s lives? What if we told you that you could make a solid living facilitating these transactions with the proper education?

Currently, most banks are so busy tending delinquent homeowners that they simply don’t have the time to teach real estate agents how to conduct a Short Sale. If the banks aren’t taking the time to teach real estate agents to effectively process the transaction, then who is?

OakTree Real Estate Services has produced an array of solutions focused on educating other real estate professionals around the country.

We have 2 HUD-approved Mitigation courses focused on teaching real estate agents how to do a Short Sale transaction effectively as well as an intensive, extended personal coaching program. We have a program to suit whatever level of education or immersion you are seeking. In addition to being highly experienced, our instructors are dynamic, passionate, and dedicated to our goal of lowering the rate of foreclosure in this country one homeowner, one real estate agent at a time.

We invite you to take some time to investigate our resources:

1-866 866-6662 x5555

Guide To Delinquency And Foreclosure Solutions

The Federal National Mortgage Association (FNMA, or Fannie Mae) is a private corporation formed under the auspicious of the United States Government to insure the availability of mortgage money throughout the U.S.  No matter where, or with whom, your home loan was originated it is probably owned, managed or under the influence of the delinquency and foreclosure prevention policies of Fannie Mae.
Even if it is not, the servicing agent (bank or mortgage company receiving your payment) is likely to follow Fannie Mae’s administrative guidelines for delinquency and foreclosure management
. You will find the delinquency and foreclosure workout procedures for government loans administered by the VA and HUD to very similar, and in many instances more liberal. .  Delinquency and foreclosure presents a serious risk to the financial assets of the FNMA, or any other lender. Therefore, Fannie Mae has established workout procedures for the purpose of circumventing potential lose to the corporation and its servicing agents that are based on very flexible policies.  While the appropriate help is intended to reach those in need of prevention counseling the overburdened and often poorly trained lending bureaucracy often fails to provide the needed guidance in time. This guide has been created to provide you with the information you need in order to take control of your rights, and to identify the solution that meets your needs thereby giving you the  means to save your home and most valuable asset
DELINQUENCY PREVENTION AND MANAGEMENTENT
Once it is clear that a borrower has not merely forgotten to mail in a payment, other technology helps the servicer decide what to do next. The first step must always be to determine whether the borrower has both the ability and the willingness to continue making mortgage payments and retain the home. Has the borrower faced a temporary loss of income due to medical bills or a layoff? Has the problem arisen because of financial mismanagement or because the original loan was too big of a fiscal stretch?  Borrowers capable of keeping a home are given different mitigation options than those who do not have the ability to continue making payments.

Common Homeowner Consequences	Foreclosure or Modification	Short Sale Resolution
Future Fannie Mae Loan – Primary Residence	A homeowner who loses a home to Foreclosure is ineligible for a Fannie Mae backed mortgage for a period of 5 – 7years. or Modified Loan carries minus Equity for several years.	A homeowner who successfully negotiates and closes a short sale will be eligible for a Fannie Mae backed mortgage only after 3 years.
Future Fannie Mae Loan – Non Primary	An Investor who allows a property to go to Foreclosure is ineligible for a Fannie Mae backed investment mortgage for a period of 7 years or Modified Loan carries minus Equity for several years. .	An investor who successfully negotiates and closes a short sale will be eligible for a Fannie Mae backed investment mortgage after only 3 years.
Future Loan with any Mortgage Company	On any future 1003 application, a prospective borrower will have to answer YES to question C in Section VIII of the standard 1003 that asks “Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?” this will affect future rates.	There are no similar declarations or question regarding a short sale.
Credit Score	Score may be lowered anywhere from 250 to over 300 points. Typically will affect score for over 3 years.	Only late payments on mortgage will show and after sale mortgage will be reported as paid or negotiated. This will lower the score as little as 50 points if all other payments are being made. A short sale’s affect can be a brief as 12 to 18 months.
Credit History	Foreclosure will remain as a public record on a person’s credit history for 10 years or more.	A Short sale is not reported on a credit history. There is no specific reporting item for ‘short sale’. The loan is typically reported ‘paid in full, settled’.
Future Employment	Many employers are requiring credit checks on all job applicants. A foreclosure is one of the most detrimental credit items an applicant can have and in most cases will challenge employment.	A short sale is not reported on a credit report and is therefore not a challenge to employment.
Deficiency Judgment	In 100% of foreclosures (except in those states where there is no deficiency) the bank has the right to pursue a deficiency judgment.	In some successful short sales it is possible to convince the lender to give up the right to pursuit a deficiency judgment against the homeowner.

Stop foreclosure, and Avoid “7 years Bad Luck”

All the information necessary to make an informed decision.

24Hr Recorded Message Gives Details: 1  866 866 6662 x5555

JILL BERNI

Celebrating 30 years of Customer Service

“You can’t bring her a Problem that she hasen’t Solved before”

In closing, call me at (866)866-6662 X5555 to discuss your situation.

24Hr Recorded Message Gives Details: 1  866 866 6662 x5555 visit: ResistForeclosure.com

.    24Hr Recorded Message Gives Details: 1  866 866 6662 x5555
UNDERSTANDING FORECLOSURE PREVENTION

Fannie Mae’s loss policy  is derived from the philosophy that diligent management of delinquent mortgages is fundamental to foreclosure prevention.  When the best efforts are insufficient to bring mortgages current, and when significant losses would occur if delinquency ended in foreclosure, aggressive workout solutions become the means of protecting the profit objective of the FNMA. Fannie Mae has, therefore, created five specific
24Hr Recorded Message Gives Details: 1  866 866 6662 x5555
Properly Preparing For Financial Disclosure
To receive consideration for a workout plan your income and assets will be carefully evaluated. Analysis of your financial information is intended to determine if you have assets which can be applied to the delinquent balance, and the extent to which your debt and expenses are appropriate for your particular personal, business, professional or corporate situation.
A Local Agent
The services of a local real estate agent are available at no charge with the understanding the agent will receive your listing if you make the decision to sell. Your agent can be a very valuable asset, supplying important local knowledge that can add value to the BPO giving you added financial strength when fashioning a workout
solution. Obtain a copy of the current FNMA approved BPO Form. Become familiar with the format and, with the your agent, offer whatever assistance you can when the designated broker or appraiser arrives.
24Hr Recorded Message Gives Details: 1  866 866 6662 x5555 .

PREFORECLOSURE SALE
What Is Preforeclosure
This option provides for the sale of property in which
the lender and borrower agree to accept the proceeds of the sale to satisfy a defaulted mortgage, where the proceeds may be less than the mortgage balance and to avoid foreclosure.
When Is Preforeclosure Appropriate
This option is also used when the mortgage balance exceeds the BPO estimate of
probable value
(final selling price).
Eligibility
The borrower must be experiencing financial hardship that is the result of involuntary reduction in income and an unavoidable increase in expenses to the extent that expenses exceed income.   SPECIAL CIRCUMSTANCES

Stop Foreclosure and Avoid “7 years bad luck” 24Hr recorded message gives details: 866 866 6662  x5555

Loan Modification or Short Sale, You Decide HERE:

SERVICE AREA

(NORTHERN CALIFORNIA)

SACRAMENTO,  EL DORADO,  PLACER COUNTIES.

El Dorado County,

Garden Valley (95633),

Rescue (95672),

Shingle Springs / Cameron Park (95682),

Coloma (95613),

Placerville (95667,)

El Dorado Hills (95762),

Cool (95614),

Pilot Hill (95664),

El Dorado (95623),

Diamond Springs (95619),

Lotus (95651),

Jill Berni – Celebrating 30 Years of Customer Service

BROKER/OWNER

916  834-2822

916  933-4454 -fax

WWW.GOTOOAKTREE.COM

************************************************************************ El Dorado County, Garden Valley (95633), Rescue (95672), Shingle Springs / Cameron Park (95682), Coloma (95613), Placerville (95667,) El Dorado Hills (95762), Cool (95614), Pilot Hill (95664), El Dorado (95623), Diamond Springs (95619), Lotus (95651),
http://www.ResistForeclosure.net

Garden Valley (95633), Rescue (95672), Shingle Springs / Cameron Park (95682), Coloma (95613), Placerville (95667,) El Dorado Hills (95762), Cool (95614), Pilot Hill (95664), El Dorado (95623), Diamond Springs (95619), Lotus (95651),
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Foreclosure Help:: – 866 866-6662 x5555 Sell Your Home Fast !: – 866 866- 6662 x1234

Corporate Real Estate Lic.:: DRE#01835800

Posted by jillberni under 1, California Real Estate, Cameron Park, Citrus Heights, Coloma, Cool, El Dorado Hills, Folsom, Gold River, Lotus, Pilot Hill, Placerville, Pre Foreclosure, Real Estate, Resist Foreclosure, (95633), Rescue (95672), Shingle Springs / Cameron Park (95682), Coloma (95613), Placerville (95667,) El Dorado Hills (95762), Cool (95614), Pilot Hill (95664), El Dorado (95623),, Roseville, Sacramentoi, Shingle Springs, Short Sale | Tags: Real Estate, California, Mortgage, Sacramento, El Dorado, jill berni, Asset Management, Realtor, REO, oaktree, MLS, Listings, El Dorado Hills, Short Sale, Pre Foreclosure, Cameron Park, Shingle Springs, Placerville, Cool, Lotus, Folsom, Gold River, Citrus Heights, Roseville, CA, inventory, evaluation, appraisal, Bank-owned, home, loan, first time, buyer, mortgages, forclosure, foreclosure, lendingtree, relocation, find, loans, pre forclosure, investors, homes, apply, rates, report, experian, credit report, house, my house, stop foreclosure, bulk purchase, properties, relocating, non performing, BPO, Broker opinion, Lenders, Placer, Mortgage Broker, purchase, for sale, homeloan, Equity, qualified, prequalified, qualify, prequalify, pre qualified, pre qualify, Berni, Agent, Shortsale, R.E.O., preforeclosure, preforclosure, asset, repo, oak, tree, apply on-line, sell, sale, sold, selling, lending, 100%, home depot, reo speedwagon, construction, realtor.com, northern california, new, eldorado, credit, homebuyer, Auburn, antelope, rescue, serrano, rancho murieta, sloughhouse, slough house, carmichael, elk grove, elverta, empire ranch, granite bay, laguna, lincoln, rancho cordova, citrusheights, citrus hts, West sacramento, county, realestate, Oak tree

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Coloma 95613,

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Rancho Murieta,

Sloughhouse, 95683,

Wilton, 95693,

Sacramento, 95826-27-28-2,

Rancho Cordova, 95742,

Gold River, 95670,

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CaDRE#01043608

SERVICE AREA

(NORTHERN CALIFORNIA)

EL DORADO COUNTY, PLACER COUNTY.

El Dorado County,

Garden Valley (95633),

Rescue (95672),

Shingle Springs / Cameron Park (95682),

Coloma (95613),

Placerville (95667,)

El Dorado Hills (95762),

Cool (95614),

Pilot Hill (95664),

El Dorado (95623),

Diamond Springs (95619),

Lotus (95651),

Placer County,

Penryn (95663),

Rocklin (95677),

Granite Bay (95746),

Roseville (95661),

Lincoln (95645)

Roseville (95747),

Lincoln (95648),

Roseville (95678),

Loomis (95650),

Newcastle (95658).

Pleasant Grove, 95668,

Sacramento County,

Carmichael (95608),

North Sacramento Natomas Del Paso Heights (95838),

Sacramento Elder Creek Fruitridge (95820),

Citrus Heights (95621),

North Sacramento Natomas Del Paso Heights (95833),

Sacramento Elder Creek Fruitridge (95824),

Sacramento Downtown Midtown (95816),

North Sacramento Natomas Del Paso Heights (95835),

Sacramento Florin & Vicinity (95829),

North Sacramento Natomas Del Paso Heights (95834),

North Sacramento Natomas Del Paso Heights (95836),

Sacramento Florin & Vicinity (95830),

East Sacramento & Vicinity (95817),

Orangevale (95662),

SACRAMENTO COUNTY

Sacramento Florin & Vicinity (95828),

East Sacramento & Vicinity (95819),

Ranch Cordova Gold River (95670),

Sacramento Foothill Farms (95842),

Elk Grove (95758),

Rancho Cordova (95742),

Sacramento Franklin Freeport Vicinity (95823),

Elk Grove (95757),

Rancho Murieta (95683),

Sacramento Franklin Freeport Vicinity (95832),

Elk Grove (95624),

Represa (95671),

Sacramento International Airport & Vicinity (95837),

Elverta (95626),

Rio Linda (95673),

Sacramento Land Park Curtis Park (95818),

Fair Oaks (95628),

North Highlands& Vicinity (95660),

Sacramento Rosemont College Greens (95827),

Folsom & Vicinity (95630),

Sacramento Antelope (95843),

Sacramento Rosemont Mayhew (95826),

Galt (95632),

Sacramento Arden Arcade Creek Vicinity (95821),

Sacramento So Land Park Greenhaven (95831),

Herald (95638),

Sacramento Arden Arcade Creek Vicinity (95841),

Sacramento South Land Park Greenhaven (95822),

Sacramento Downtown Midtown (95814),

Sacramento Arden Arcade Creek Vicinity (95864),

Sacramento Arden-Arcade Creek Vicinity (95815),

Mather (95655),

Sacramento Arden Arcade Creek Vicinity (95825),

Wilton (95693).

Jill Berni – BROKER/OWNER

Celebrating 30 Years of Customer Service

866 933-0555 24/7

916  933-0555

916  933-4454 -fax

WWW.GOTOOAKTREE.COM H

ome & Service Area – Zip Codes:

95602,95603,95608,95610,95615,95621,95624,95626,95628,95630,95632,95638,95639,95641,95648,95650,95652,95655,95658,95660,95661,95662,95663,95667,95670,95671,95672,95673,95677,95678,95680,95682,95683,95690,95693,95742,95746,95747,95758,95762,95765,95814,95815,95816,95817,95818,95819,95820,95821,95822,95823,95824,95825,95826,95827,95828,95829,95830,95831,95832,95833,95834,95835,95836,95837,95838,95839,95840,95841,95842,95843,95864 Loan

Courtesy of JILL BERNI – Home & Loan Broker

I Will SaveYour Home (or a Friends) from Foreclosure at No Cost !… (* Sacramento, Placer, El Dorado)

Help Someone You Visit During The Holidays, Get Out From Under the Burden of their House Payment…. …At Last, a No-Cost Solution to Stop the Foreclosure Epidemic…(possibly right under your nose this Holiday season)… Who do you know that needs to be saved from an impending Foreclosure.We are funded from the lenders Stimulus Money, so there is no net cost to you ! … No Matter What You

craigslist sacramento | all… • 51 min

*26% of all Foreclosures, Never Even Asked for Professional Help..WHY?

* It’s Not an Insult to Seek Professional Help, especially if most of it is Free ! …Who you know that is behind on their House Payments, and is too embarrassed to seek a practical Solution…? Better still who do you know that is borrowing from their Savings or Credit, trying to fool the Bank into thinking they are “current”… Finally, the Rules have changed: Banks have recently chan

craigslist sacramento | all… • 3 hours ago

Your Listing Wanted – We Sold this House in 4 Days !

We saved this House from Foreclosure, by negotiating a Short Sale in with the Bank in September, and Clearing the Loan in October…all while our Client enjoyed his new job in Hawaii…Debt-Free! SERVING: Northern California : Sacramento Placer El Dorado ,Realtor in El Dorado Hills ,Realtor,Oak tree home and loan,El Dorado County, Garden Valley (95633), Rescue (95672), Shingle Springs /

craigslist sacramento hous… • 1 day ago

Why DidntYour Lender Mention a Streamlined Atlternative toForeclosure?

…Why? …Because it’s too early for them to have Mandated systems in place.The government “Suggested” that they have alternatives in place this year, and were willing to pay them to find a Pre Foreclosure settlement for you. …Because we have been in the Mortgage business for many years, and we have direct Brokerage with many Banks and Financial Institutions, this allowed us access to Insider

craigslist sacramento | all… • 3 hours ago

*Short Sale or Loan Modification, Which is Best to Save Your Credit?

Just Visit: http://www.LoanModification-vs-ShortSale.com Help Save the Credit Rating of Someone You Know Who you know that is behind on their House Payments…? Better still, who do you know that is borrowing from their Savings or Credit, trying to fool the Bank into thinking they are “current” … Banks have recently changed the way they do business. Finally, the Rules have changed i

craigslist sacramento finan… • 3 hours ago

Rent to Own – We Saved this Home from Foreclosure 4 You ! (Sacramento Placer El Dorado County) $2000 5bd

JILL | Broker………………DRE#01043608 | BERNI 2 Stop Foreclosure, Sacramento County, CA We Are Saving This Home From Foreclosure. The Owners get to move across the street, into a larger Home, for 1/2 of the old Payment ! How is this pos 5BR/3BA Single Family House offered at $199,000 Year Built 2000 Sq Footage 2,900 Bedrooms 5 Bathrooms 3 fu

craigslist sacramento hous… • 1 day ago

At Last, You Can Compare Short Sale vs Foreclosure HERE >

——————————————————————————– This Critical information is necessary for you or a Friend, to make an informed decision ! Visit: >br> http://www.gotooaktree.com/purchase.html OR, call our 24Hr recorded message for details: 1 866 866 6662 x5555 Jill Berni – Broker/Owner Celebrating …30 Years of Customer Service…Licensed and

craigslist sacramento services RSS Feed … • 1 day ago

Pre Foreclosure Homes Wanted for Rent to Ownership, Lease Options,

Simply put… We need housed for our Pre-Foreclosure Clients, with good incomes, that can’t afford their exploding $3-5000/mo payments, and would gladly pay $1500-3500 for an executive Home. We save people from foreclosure, and have homes for Lease Option to save other families from foreclosure…Investors, HomeOwners, and Future Homeowners are welcome to help us Save people from 7 years bad luck.

craigslist sacramento all housing search … • 1 day ago

REO Realtor in El Dorado Hills – Google Maps

REO Realtor in El Dorado Hills – Google MapsSource: maps.google.comReview(Required field cannot be left blank)(Your review must be at least 20 characters)(Your review can be at most 4096 characters)    http://maps.google.com/maps/place?hl=en&georestrict=input_srcid%3A6765b8eb645b44d3

Jill Berni’s Facebook Links • by Jill Berni • 2 days ago

OakTree Home & Loan – Google Maps

OakTree Home & Loan – Google MapsSource: maps.google.comFREE Over-The-Net Home EvaluationBUY – SELL – REFI – INVEST …24Hr recorded message gives details: 866 866-6662 x5555 http://www.sellmyhouseforallitsworth.info/homeeval.asp    http://maps.google.com/maps/place?hl=en&georestrict=input_srcid%3A29c54cb4957d12e0

Jill Berni’s Facebook Links • by Jill Berni • 2 days ago

Bank Approved short sale price on this Crestview Florida home back on the market

video MLS#: 513902 OfficeFile#: ListPrice: $109,000 Status: Contingent ApproxSF: 1,320 BG: Address: 195 CABANA WAY $/Sqft: $75.00 CRESTVIEW, FL Bedrooms: 3 Zip: 32536 Baths Full/Half: 2/ County: OKALOOSA Stories: 1 MainArea: 25 Crestview Area YearBuilt: 2005 SubArea: 02 CRESTVIEW SOUTHWEST OccStat: Occupied Subdiv: RIDGE CREST PH II ImmOcc? ParcelID: 18-3N-23-1261-000C-0120 Cons

short-sale « WordPress.com Tag Feed • by okaloosamls • 3 days ago

Expired Listings Exchanged for Our PreQualified Buyer Clients

It’s Not Your Fault That Your Home Did Not Sell Perhaps you should Hire a Broker with hundreds of Past customers, and the in-house mortgage Company to Fund them ! 24Hr recorded message gives details: 1 866 866 6662 x5555 <p. 24Hr recorded message gives details: 1 866 866 6662 x5555 Jill Berni – Celebrating 30 Years of Customer Service BROKER/OWNER 916 834-2822 916 933-4454 -f

craigslist sacramento all housing search … • 4 days ago

*Had a Loan Modification Fail ? Need No Cost Solutions ?…

* Who do you know with a , Loan Modification Failure ? Then you need to deal with an Agent, that is Licensed and Insured, with 100% success helping People just like you. Need a 11th Hour reprieve from the Governor? that would be the Dream deal…Huh…… Lets face it, the only way to beat the Bank is to relieve the Burden of your Mortgage, find a place to land in your own Neighborhood with

craigslist sacramento | all services searc… • 4 days ago

Shortening short sales

In another attempt to keep foreclosures from doing continued harm to the real estate market and the overall economy, the U.S. Treasury is trying to speed up the short sale process. Short sales are when a bank agrees to let a homeowner sell a house for less than he or she owes. Short sales can cut lenders’ losses and doesn’t damage a person’s credit as badly as a foreclosure. There have been abou

JILL BERNI – Real Estate • 6 days ago

agent

10 Time-Saving Tips to Take the Stress Out of Moving

When it comes to moving, a little preparation goes a long way. As a member of the Top 5 in Real Estate Network®, my experience tells me that tons of time and energy can be saved by planning ahead, staying organized and focusing on details. Here are 10 great, time-saving tips to make moving fast and efficient, courtesy of HGTV’s FrontDoor.com: 1. Make a moving schedule. Starting 60 days before the

short-sale « Word… • 1 hour ago

Government mortgage plan provides little permanent help

Upside down on equity? Behind on payments? Click here to visit Tampa Bay Short Sales Online! www.TBshortSales.com Government mortgage plan provides little permanent help The Obama administration’s mortgage relief plan has provided permanent help to only 4 percent of borrowers who have signed up. Bank of America had the worst performance in the Treasury report released Thursday, with just

short-sale « Word… • 3 hours ago

Discover Real Estate Opportunities-Consider the Benefits of a Short Sale

Real Estate Basics: What is a Short Sale? According to the National Association of REALTORS (NAR) website a short sale is “a sales transaction in which the seller’s mortgage lender agrees to accept a payoff of less than the balance due on the loan.” (1) A short sale happens when the seller is unable to satisfy the amount owed on the home because of dropping home value. Once the short sale is comp

short-sale « Word… • 11 hours ago

asset management

Are Short Sale Flips Ethical?

A short sale flip is nothing more than the process of an investor purchasing a short sale property and reselling it immediately for a cash profit. The transaction occurs when a buyer (investor) purchases a short sale from a seller, gets lender approval on a price, and then re sells the home for a profit before it has even closed escrow!  This is often done by using a Title & Escrow Company who

short-sale « Word… • 21 hours ago

JILL BERNI Real Estate Services on- Bing.com, Live .com Microsoft Real Estate Search

24Hr Recording stops foreclosure: 866 866 6662 x5555 ShortSale vs. Foreclosure A Case for the Short Sale Our Mission We at OakTree Real Estate Services are providing concise information that prudent Home Owners require. What is a Short Sale? How does one work? What does the bank need from me in order to consider the homeowner for a Short Sale? How can I avoid the frustrations commonly assoc

Jill Berni Realtor in E… • 2 days ago

broker

Short Sales, What You Need To Know!

Most home sellers have no idea how short sales work and what all is involved.  In addition, they have no idea that 95% of all real estate agents, get less than 20% of their short sales to close.  That means that 80% of the sellers, are doing all the work, going through the process, but not getting to their goal….the closing.  Please let us help you so you avoid foreclosure as this doesn’t help any

short-sale « Word… • 1 day ago

craigslist sacramento | all services search “jill berni”

Our Mission We at OakTree Real Estate Services are providing concise information that prudent Home Owners require. What is a Short Sale? How does one work? What does the bank need from me in order to consider the homeowner for a Short Sale? How can I avoid the frustrations commonly associated with this type of transaction? Local Broker, JILL BERNI has become increasingly motivated to educate and

Jill Berni Realtor in E… • 2 days ago

Jill Berni Google Map, Local Business Real Estate Websites

Use Google maps to find Jill Berni, Realtor in El Dorado Hills. Jill Berni Home & Loan Broker,Celebrating 30 years of Customer Service. “You can’t bring her a Problem she hasn’t Solved before” MISSION STATEMENT It is the mission of the Jill Berni Team to consistently provide the highest quality, most innovative, and exceptional real estate service available anywhere in the

Jill Berni Realtor in E… • 4 days ago

california

Mortgage rates still below 5 percent

Mortgage rates rose this week but still remained below 5 percent, Freddie Mac said Thursday.

Seattle *real estate* n… • 5 hours ago

Home short sales likely to increase

Denver Business Journal Compiled by Paula Moore December 2, 2009 – Re/Max International Inc. of Denver expects “short sales” — sales of homes for less than the amount owed on the mortgage — to increase nationwide because of the federal government’s newly released guidelines for such sales. “Until now, the short sale process has been cumbersome for all involved, and took upwards of eight to 10 mont

short-sale « Word… • 1 day ago

Further action to ease the stress of short sales

I am SO close to approval on a great short sale listing I have. It has been in negotiations with the bank since July/August. We’ve finally made headway with the bank and we are all hopeful for a formal approval with full release of lien and debt for my sellers! It made me think of the process and how I truly hope that 2010 is the Year of the Short Sale and we get this figured out! So here is the l

short-sale « Word… • 1 day ago

folsom

New Foreclosure and Short Sale Assistance Program

The U.S. Treasury Department announced new guidelines last week designed to make short sales go more smoothly. To qualify under these new guidelines: The property must be the home owner’s principal residence; The home owner must be delinquent on their loan or close to defaulting; The loan must have been made before Jan. 1, 2009, and be for less than $729,750; and The borrowers’ total payment must

short-sale « Word… • 2 days ago

Making A Short Sale Offer

A short sale is when a homeowner wishes to sell their home below what they owe on the property. Homeowners find themselves in this kind of situation mainly because they borrowed aggressively when credit was easy and now have little or no equity in their home because property values in Northern Virginia declined anywhere from 20 to 30 percent in the past three years. Homeowners decide to sell their

short-sale « Word… • 2 days ago

Short Sale: Pitfalls and Solutions

Short Sale: Pitfalls & Solutions Pitfall: Your Property is Priced Incorrectly Solution: Agent Providing Understanding and Transparency. Pitfall: Your Short Sale Proposal is Incomplete. A most frequent reason for rejection of short sale proposal. Many do not understand the process for short sales and what the lender seeks. Solution: Understand All Aspects of the Process Choose the right agent t

short-sale « Word… • 2 days ago

foreclosure

What’s a short sale anyway?

Check out this video about short sales!  http://www.youtube.com/watch?v=YCg6WJ75kyU Love your feedback!

short-sale « Word… • 3 hours ago

New Realtor Presentation

Got some GREAT news here! Watch the Video for a complete step by step short sale process. Please forward to your Realtors who may have any doubt about who we are and what we do. This is the nuts and bolts. If they after watching this video and reading the faq’s here still want to hesitate, then we know who we are dealing with and may not want to work with them. We want motivated Realtors who want

short-sale « Word… • 2 days ago

HAMP Update – New Program Offers Borrowers Foreclosure Alternatives

Government Announces Short Sales Guidelines The U.S. Treasury Department announced new guidelines last week designed to make short sales go more smoothly. To qualify under these new guidelines: The property must be the home owner’s principal residence. The home owner must be delinquent on the mortgage or close to defaulting. The loan must have been made before Jan. 1, 2009, and be for less than

short-sale « Word… • 2 days ago

116 Summit CT Niceville FL bank priced approved short sale back on market

video Tucked away in Blue Pine Village. Great location and this home offers many upgrades some of the kitchen upgrades tumbled-stone countertops,New appliances in the kitchen include Fridge,Stove,Dishwasher.Custom landscaping and beautiful stone-faced fireplace. This home offers a privacy fenced backyard and sprinkler sys & well. Master BR has private door to patio and large walk-in closet. Dining r

short-sale « Word… • 3 days ago

Getting Prepared for an Aggressive Market

Today’s real estate industry has taken a major change over the past 24 months and will probably be taking a bigger change in the months to come. We have seen prices decline considerably from what they were 2 and 3 years ago. The amount of short sales and foreclosures has increased drastically. Today’s economy has affected us all.  Lending has gotten tighter, loaning money and the criteria to get a

short-sale « Word… • 3 days ago

JILL BERNI,Realtor Google Blog – Broker El Dorado Hills,Ca.

“You can’t send her a Problem that she hasn’t Solved before”

Sell Your Home For All It’s Worth…

24Hr recorded message gives details:1 866 866 6662 x1234

SERVICE AREA,Sacramento County,El Dorado County,Placer County…Realtor in El Dorado Hills,
Realtor,Oak tree home and loan,El Dorado County, Realtor in El Dorado Hills,Realtor,Oak tree home and loan,El Dorado County, Garden Valley (95633), Rescue (95672), Shingle Springs / Cameron Park (95682), Coloma (95613), Placerville (95667,) El Dorado Hills (95762), Cool (95614), Pilot Hill (95664), El Dorado (95623), Diamond Springs (95619), Lotus (95651), Placer County, Penryn (95663), Rocklin (95677), Granite Bay (95746), Roseville (95661), Lincoln (95645) Roseville (95747), Lincoln (95648), Roseville (95678), Loomis (95650), Newcastle (95658). Sacramento County, Carmichael (95608), North Sacramento Natomas Del Paso Heights (95838), Sacramento Elder Creek Fruitridge (95820), Citrus Heights (95621), North Sacramento Natomas Del Paso Heights (95833), Sacramento Elder Creek Fruitridge (95824), Sacramento Downtown Midtown (95816), North Sacramento Natomas Del Paso Heights (95835), Sacramento Florin & Vicinity (95829), North Sacramento Natomas Del Paso Heights (95834), North Sacramento Natomas Del Paso Heights (95836), Sacramento Florin & Vicinity (95830), East Sacramento & Vicinity (95817), Orangevale (95662),
SACRAMENTO COUNTY Sacramento Florin & Vicinity (95828), East Sacramento & Vicinity (95819), Ranch Cordova Gold River (95670), Sacramento Foothill Farms (95842), Elk Grove (95758), Rancho Cordova (95742), Sacramento Franklin Freeport Vicinity (95823), Elk Grove (95757), Rancho Murieta (95683), Sacramento Franklin Freeport Vicinity (95832), Elk Grove (95624), Represa (95671), Sacramento International Airport & Vicinity (95837), Elverta (95626), Rio Linda (95673), Sacramento Land Park Curtis Park (95818), Fair Oaks (95628), North Highlands& Vicinity (95660), Sacramento Rosemont College Greens Mayhew (95827), Folsom & Vicinity (95630), Sacramento Antelope (95843), Sacramento Rosemont College Greens Mayhew (95826), Galt (95632), Sacramento Arden Arcade Creek Vicinity (95821), Sacramento So Land Park Greenhaven (95831), Herald (95638), Sacramento Arden Arcade Creek Vicinity (95841), Sacramento South Land Park Greenhaven (95822), Sacramento Downtown Midtown (95814), Sacramento Arden Arcade Creek Vicinity (95864), Sacramento Arden-Arcade Creek Vicinity (95815), Mather (95655), Sacramento Arden Arcade Creek Vicinity (95825), Wilton (95693).  , Garden Valley (95633), Rescue (95672), Shingle Springs / Cameron Park (95682), Coloma (95613), Placerville (95667,) El Dorado Hills (95762), Cool (95614), Pilot Hill (95664), El Dorado (95623), Diamond Springs (95619), Lotus (95651), Placer County, Penryn (95663), Rocklin (95677), Granite Bay (95746), Roseville (95661), Lincoln (95645) Roseville (95747), Lincoln (95648), Roseville (95678), Loomis (95650), Newcastle (95658). Sacramento County, Carmichael (95608), North Sacramento Natomas Del Paso Heights (95838), Sacramento Elder Creek Fruitridge (95820), Citrus Heights (95621), North Sacramento Natomas Del Paso Heights (95833), Sacramento Elder Creek Fruitridge (95824), Sacramento Downtown Midtown (95816), North Sacramento Natomas Del Paso Heights (95835), Sacramento Florin & Vicinity (95829), North Sacramento Natomas Del Paso Heights (95834)

El Dorado Hills, 95762,

Shingle Springs,95682 ,

Cameron Park ,95682,

Garden Valley, 95633,

Rescue 95672,

Coloma 95613,

Latrobe, 95682,

Cool, 95614,

Pilot Hill, 95664,

El Dorado, 95623,

Diamond Springs, 95619,

Lotus, 95651,

Folsom ,95630,

Mather, 95655,

Rancho Murieta,

Sloughhouse, 95683,

Wilton, 95693,

Sacramento, 95826-27-28-2,

Rancho Cordova, 95742,

Gold River, 95670,

<br>

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<p>

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<p>

CaDRE#01043608

SERVICE AREA

(NORTHERN CALIFORNIA)

EL DORADO COUNTY, PLACER COUNTY.

El Dorado County,

Garden Valley (95633),

Rescue (95672),

Shingle Springs / Cameron Park (95682),

Coloma (95613),

Placerville (95667,)

El Dorado Hills (95762),

Cool (95614),

Pilot Hill (95664),

El Dorado (95623),

Diamond Springs (95619),

Lotus (95651),

Placer County,

Penryn (95663),

Rocklin (95677),

Granite Bay (95746),

Roseville (95661),

Lincoln (95645)

Roseville (95747),

Lincoln (95648),

Roseville (95678),

Loomis (95650),

Newcastle (95658).

Pleasant Grove, 95668

Sacramento County,

Carmichael (95608),

North Sacramento Natomas Del Paso Heights (95838),

Sacramento Elder Creek Fruitridge (95820),

Citrus Heights (95621),

North Sacramento Natomas Del Paso Heights (95833),

Sacramento Elder Creek Fruitridge (95824),

Sacramento Downtown Midtown (95816),

North Sacramento Natomas Del Paso Heights (95835),

Sacramento Florin & Vicinity (95829),

North Sacramento Natomas Del Paso Heights (95834),

North Sacramento Natomas Del Paso Heights (95836),

Sacramento Florin & Vicinity (95830),

East Sacramento & Vicinity (95817),

Orangevale (95662),

SACRAMENTO COUNTY

Sacramento Florin & Vicinity (95828),

East Sacramento & Vicinity (95819),

Ranch Cordova Gold River (95670),

Sacramento Foothill Farms (95842),

Elk Grove (95758),

Rancho Cordova (95742),

Sacramento Franklin Freeport Vicinity (95823),

Elk Grove (95757),

Rancho Murieta (95683),

Sacramento Franklin Freeport Vicinity (95832),

Elk Grove (95624),

Represa (95671),

Sacramento International Airport & Vicinity (95837),

Elverta (95626),

Rio Linda (95673),

Sacramento Land Park Curtis Park (95818),

Fair Oaks (95628),

North Highlands& Vicinity (95660),

Sacramento Rosemont College Greens (95827),

Folsom & Vicinity (95630),

Sacramento Antelope (95843),

Sacramento Rosemont Mayhew (95826),

Galt (95632),

Sacramento Arden Arcade Creek Vicinity (95821),

Sacramento So Land Park Greenhaven (95831),

Herald (95638),

Sacramento Arden Arcade Creek Vicinity (95841),

Sacramento South Land Park Greenhaven (95822),

Sacramento Downtown Midtown (95814),

Sacramento Arden Arcade Creek Vicinity (95864),

Sacramento Arden-Arcade Creek Vicinity (95815),

Mather (95655),

Sacramento Arden Arcade Creek Vicinity (95825),

Wilton (95693).

Jill Berni – BROKER/OWNER

Celebrating 30 Years of Customer Service

866 933-0555 24/7

916  933-0555

916  933-4454 -fax

WWW.GOTOOAKTREE.COM H

ome & Service Area – Zip Codes:

95602,95603,95608,95610,95615,95621,95624,95626,95628,95630,95632,95638,95639,95641,95648,95650,95652,95655,95658,95660,95661,95662,95663,95667,95670,95671,95672,95673,95677,95678,95680,95682,95683,95690,95693,95742,95746,95747,95758,95762,95765,95814,95815,95816,95817,95818,95819,95820,95821,95822,95823,95824,95825,95826,95827,95828,95829,95830,95831,95832,95833,95834,95835,95836,95837,95838,95839,95840,95841,95842,95843,95864 Loan

CaDRE#01043608 – Jill Berni Broker

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We Need Your Home for our Investors, and Lease Option Clients, for Immediate Sale ! <p> I Will Sell your Home, No Matter What You Owe, or Your Current Financial Situation….
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JILL  BERNI – Home & Loan Broker…”Celebrating 30 years of Customer Service” …24Hr msg.. Line 1  866 866 8882 x1234
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SERVICE AREA (NORTHERN CALIFORNIA)
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Sacramento County,

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El Dorado County,
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Placer County

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…Realtor in El Dorado Hills,
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Realtor,Oak tree home and loan,El Dorado County, Realtor in El Dorado Hills,Realtor,Oak tree home and loan,El Dorado County, Garden Valley (95633), Rescue (95672), Shingle Springs / Cameron Park (95682), Coloma (95613), Placerville (95667,) El Dorado Hills (95762), Cool (95614), Pilot Hill (95664), El Dorado (95623), Diamond Springs (95619), Lotus (95651), Placer County, Penryn (95663), Rocklin (95677), Granite Bay (95746), Roseville (95661), Lincoln (95645) Roseville (95747), Lincoln (95648), Roseville (95678), Loomis (95650), Newcastle (95658). Sacramento County, Carmichael (95608), North Sacramento Natomas Del Paso Heights (95838), Sacramento Elder Creek Fruitridge (95820), Citrus Heights (95621), North Sacramento Natomas Del Paso Heights (95833), Sacramento Elder Creek Fruitridge (95824), Sacramento Downtown Midtown (95816), North Sacramento Natomas Del Paso Heights (95835), Sacramento Florin & Vicinity (95829), North Sacramento Natomas Del Paso Heights (95834), North Sacramento Natomas Del Paso Heights (95836), Sacramento Florin & Vicinity (95830), East Sacramento & Vicinity (95817), Orangevale (95662),

SACRAMENTO COUNTY Sacramento Florin & Vicinity (95828), East Sacramento & Vicinity (95819), Ranch Cordova Gold River (95670), Sacramento Foothill Farms (95842), Elk Grove (95758), Rancho Cordova (95742), Sacramento Franklin Freeport Vicinity (95823), Elk Grove (95757), Rancho Murieta (95683), Sacramento Franklin Freeport Vicinity (95832), Elk Grove (95624), Represa (95671), Sacramento International Airport & Vicinity (95837), Elverta (95626), Rio Linda (95673), Sacramento Land Park Curtis Park (95818), Fair Oaks (95628), North Highlands& Vicinity (95660), Sacramento Rosemont College Greens Mayhew (95827), Folsom & Vicinity (95630), Sacramento Antelope (95843), Sacramento Rosemont College Greens Mayhew (95826), Galt (95632), Sacramento Arden Arcade Creek Vicinity (95821), Sacramento So Land Park Greenhaven (95831), Herald (95638), Sacramento Arden Arcade Creek Vicinity (95841), Sacramento South Land Park Greenhaven (95822), Sacramento Downtown Midtown (95814), Sacramento Arden Arcade Creek Vicinity (95864), Sacramento Arden-Arcade Creek Vicinity (95815), Mather (95655), Sacramento Arden Arcade Creek Vicinity (95825), Wilton (95693). Jill Berni – Celebrating 30 Years of Customer Service BROKER/OWNER 916 834-2822 916 933-4454 -fax WWW.GOTOOAKTREE.COM CaDRE#01043608 •Location: Sacramento El Dorado Placer * Location: Sacramento – El Dorado – Placer , Garden Valley (95633), Rescue (95672), Shingle Springs / Cameron Park (95682), Coloma (95613), Placerville (95667,) El Dorado Hills (95762), Cool (95614), Pilot Hill (95664), El Dorado (95623), Diamond Springs (95619), Lotus (95651), Placer County, Penryn (95663), Rocklin (95677), Granite Bay (95746), Roseville (95661), Lincoln (95645) Roseville (95747), Lincoln (95648), Roseville (95678), Loomis (95650), Newcastle (95658). Sacramento County, Carmichael (95608), North Sacramento Natomas Del Paso Heights (95838), Sacramento Elder Creek Fruitridge (95820), Citrus Heights (95621), North Sacramento Natomas Del Paso Heights (95833), Sacramento Elder Creek Fruitridge (95824), Sacramento Downtown Midtown (95816), North Sacramento Natomas Del Paso Heights (95835), Sacramento Florin & Vicinity (95829), North Sacramento Natomas Del Paso Heights (95834), North Sacramento Natomas Del Paso Heights (95836), Sacramento Florin & Vicinity (95830), East Sacramento & Vicinity (95817), Orangevale (95662), SACRAMENTO COUNTY Sacramento Florin & Vicinity (95828), East Sacramento & Vicinity (95819), Ranch Cordova Gold River (95670), Sacramento Foothill Farms (95842), Elk Grove (95758), Rancho Cordova (95742), Sacramento Franklin Freeport Vicinity (95823), Elk Grove (95757), Rancho Murieta (95683), Sacramento Franklin Freeport Vicinity (95832), Elk Grove (95624), Represa (95671), Sacramento International Airport & Vicinity (95837), Elverta (95626), Rio Linda (95673), Sacramento Land Park Curtis Park (95818), Fair Oaks (95628), North Highlands& Vicinity (95660), Sacramento Rosemont College Greens Mayhew (95827), Folsom & Vicinity (95630), Sacramento Antelope (95843), Sacramento Rosemont College Greens Mayhew (95826), Galt (95632), Sacramento Arden Arcade Creek Vicinity (95821), Sacramento So Land Park Greenhaven (95831), Herald (95638), Sacramento Arden Arcade Creek Vicinity (95841), Sacramento South Land Park Greenhaven (95822), Sacramento Downtown Midtown (95814), Sacramento Arden Arcade Creek Vicinity (95864), Sacramento Arden-Arcade Creek Vicinity (95815), Mather (95655), Sacramento Arden Arcade Creek Vicinity (95825), Wilton (95693).
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CaDRE#01043608 – Jill Berni Broker

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http://www.GoToOakTree.com

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CaDRE#01043608

SERVICE AREA

(NORTHERN CALIFORNIA)

EL DORADO COUNTY, PLACER COUNTY.

El Dorado County,

Garden Valley (95633),

Rescue (95672),

Shingle Springs / Cameron Park (95682),

Coloma (95613),

Placerville (95667,)

El Dorado Hills (95762),

Cool (95614),

Pilot Hill (95664),

El Dorado (95623),

Diamond Springs (95619),

Lotus (95651),

Placer County,

Penryn (95663),

Rocklin (95677),

Granite Bay (95746),

Roseville (95661),

Lincoln (95645)

Roseville (95747),

Lincoln (95648),

Roseville (95678),

Loomis (95650),

Newcastle (95658).

Pleasant Grove, 95668

Sacramento County,

Carmichael (95608),

North Sacramento Natomas Del Paso Heights (95838),

Sacramento Elder Creek Fruitridge (95820),

Citrus Heights (95621),

North Sacramento Natomas Del Paso Heights (95833),

Sacramento Elder Creek Fruitridge (95824),

Sacramento Downtown Midtown (95816),

North Sacramento Natomas Del Paso Heights (95835),

Sacramento Florin & Vicinity (95829),

North Sacramento Natomas Del Paso Heights (95834),

North Sacramento Natomas Del Paso Heights (95836),

Sacramento Florin & Vicinity (95830),

East Sacramento & Vicinity (95817),

Orangevale (95662),

SACRAMENTO COUNTY

Sacramento Florin & Vicinity (95828),

East Sacramento & Vicinity (95819),

Ranch Cordova Gold River (95670),

Sacramento Foothill Farms (95842),

Elk Grove (95758),

Rancho Cordova (95742),

Sacramento Franklin Freeport Vicinity (95823),

Elk Grove (95757),

Rancho Murieta (95683),

Sacramento Franklin Freeport Vicinity (95832),

Elk Grove (95624),

Represa (95671),

Sacramento International Airport & Vicinity (95837),

Elverta (95626),

Rio Linda (95673),

Sacramento Land Park Curtis Park (95818),

Fair Oaks (95628),

North Highlands& Vicinity (95660),

Sacramento Rosemont College Greens (95827),

Folsom & Vicinity (95630),

Sacramento Antelope (95843),

Sacramento Rosemont Mayhew (95826),

Galt (95632),

Sacramento Arden Arcade Creek Vicinity (95821),

Sacramento So Land Park Greenhaven (95831),

Herald (95638),

Sacramento Arden Arcade Creek Vicinity (95841),

Sacramento South Land Park Greenhaven (95822),

Sacramento Downtown Midtown (95814),

Sacramento Arden Arcade Creek Vicinity (95864),

Sacramento Arden-Arcade Creek Vicinity (95815),

Mather (95655),

Sacramento Arden Arcade Creek Vicinity (95825),

Wilton (95693).

Jill Berni – BROKER/OWNER

Celebrating 30 Years of Customer Service

866 933-0555 24/7

916  933-0555

916  933-4454 -fax

WWW.GOTOOAKTREE.COM H

Home & Service Area – Zip Codes:

95602,95603,95608,95610,95615,95621,95624,95626,95628,95630,95632,95638,95639,95641,95648,95650,95652,95655,95658,95660,95661,95662,95663,95667,95670,95671,95672,95673,95677,95678,95680,95682,95683,95690,95693,95742,95746,95747,95758,95762,95765,95814,95815,95816,95817,95818,95819,95820,95821,95822,95823,95824,95825,95826,95827,95828,95829,95830,95831,95832,95833,95834,95835,95836,95837,95838,95839,95840,95841,95842,95843,95864 Oaktree Home & Loan

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So you’d like to buy a bank owned property?

You’ve watched the late-night infomercials and you’re ready to do the bank “a favor” and take a problem off their hands. Plus, you expect to make “a killing” in the process. Sounds great and it might just happen, but first you should take a look at some facts and get prepared.

REO vs. Foreclosure

An REO (Real Estate Owned) is a property that goes back to the mortgage company after an unsuccessful foreclosure auction. You see, most foreclosure auctions do not even result in bids. After all, if there was enough equity in the property to satisfy the loan, the owner would have probably sold the property and paid off the bank. That is why the property ends up at a foreclosure or trustee sale.

Foreclosure sales begin with a minimum bid that includes the loan balance, any accrued interest, plus attorney’s fees and any costs association with the foreclosure process. In order to bid at a foreclosure auction, you must have a cashier’s check in your hand for the full amount of your bid. If you are the successful bidder, you receive the property in “as is” condition, which may include someone still living in the property. There may also be other liens against the property.

Since what is owed to the bank is almost always more than what the property is worth, very few foreclosure auctions result in a successful sale. Then the property “reverts” to the bank. It becomes an REO, or “real estate owned” property.

REO Properties For Sale

The bank now owns the property and the Loan no longer exists. The bank will handle the eviction, if necessary, and may do some repairs. They will negotiate with the IRS for removal of tax liens and pay off any homeowner’s association dues. As a purchaser of an REO property, the buyer will receive a Title Insurance policy and the opportunity to investigate the property.

A bank owned property might not be a great bargain. Do your homework before making an offer. Make sure that the price you pay (if you’re successful) is comparable to other homes in the neighborhood. Consider the costs of renovation, including time to complete them. Don’t get caught up in a ‘bidding war’ and pay over market value. It’s an old myth that “foreclosures” are a bargain.

How Banks Sell REO’s

Each bank/lender works a little differently, but they all have similar goals. They want to get the best price possible and have no interest in “dumping” real estate cheaply. Generally, banks have an entire department set up to manage their REO inventory.

Once you make an offer to purchase, banks generally present a “counter-offer.” It may be at a higher price than you expect, but they have to demonstrate to investors, shareholders and auditors that they attempted to get the highest price possible. You should plan to counter the counter-offer.

Your offer or counter-offer will probably have to be reviewed and approved by several individuals and companies. Even once an offer is accepted, the bank may insert wording like “..subject to corporate approval with 5 days.”

Property Condition

Banks always want to sell a property in “as is” condition. Most will provide a Section 1 pest certification, but not unless you include it in your offer and negotiate the point. They will allow you to get all the inspections you want (at your expense), but they may not agree to do any repairs.

Your offer should include an inspection contingency period that allows you to terminate the sale if the inspections reveal unanticipated damages that the bank will not correct.

Even though you agreed to “as is,” always give the bank another opportunity to make repairs or give you a credit after you’ve completed your inspections. Sometimes they’ll re-negotiate to save the transaction instead of putting the property back on the market, but don’t take it for granted.

Banks do not want to see a lot of proprietary disclosures; they are exempt from the California Seller’s Transfer Disclosure Statement (TDS-14). If there are real estate agents involved, either representing you or the bank, those agents are required to provide you their disclosure statements.

Most banks will not provide financing on their REOs but it doesn’t hurt to ask. Especially if the property has extensive damage and you are purchasing it “as is.”

Making an Offer

Before making an offer, have your agent contact the the listing agent and ask the following:

• Are there any inspection reports?
• What work has the bank agreed to?
• Is there a special “as is” form?
• How long does it take the bank to accept an offer?
• How does your agent deliver the offer?

 

Offers are usually FAXED to the bank. The listing agent needs your originals. There is no formal presentation. Keep in mind: nothing happens evenings and weekends (banks are closed)

Since there is no face-to-face presentation to the bank, provide the listing agent with a pre-qualification or better yet, a pre-approval letter and buyer biography. Make your offer easy to accept.

Hopefully these tips will manage your expectations. Remember that REO’s sell at pretty close to full market value and are not the deals presented on late night television.

tatic.ning.com/REOPRO/widgets/index/swf/badge.swf?v=3.8.5%3A10867″ quality=”high” scale=”noscale” salign=”lt” wmode=”transparent” bgcolor=”#ffffff” type=”application/x-shockwave-flash” pluginspage=”http://www.macromedia.com/go/getflashplayer” width=”206″ height=”104″ allowScriptAccess=”always” flashvars=”networkUrl=http%3A%2F%2Freopro.ning.com%2F&panel=network_small&configXmlUrl=http%3A%2F%2Fstatic.ning.com%2FREOPRO%2Finstances%2Fmain%2Fembeddable%2Fbadge-config.xml%3Ft%3D1226047690″>
http://reopro.ning.com/”>Visit REOPRO

Looking for a full service REO Disposition Service Center utilizing state-of the-art internet services coupled with extensive knowledge, background, experience and efficiency that only a hands on Executive REO team can offer? Our reputation and satisfied client base will provide the comfort and commitment level you will learn to expect. With thousands of properties being sold for major financial institutions, we can deliver your top net profits. We are structured to satisfy each client in their own unique program objectives and preferred method of operations for REO properties.

Our full service dedicated REO Disposition Service Center encompasses the entire process from preforeclosure to ensuring clear title is transferred to the new owners, enabling banks/financial institutions files to be balanced and closed out. A short list of key components:

• Prevalue determination prior to foreclosure sale;
• Status upon successful foreclosure; bank owned/lender owned and investor owned
• Attorneys-evictions, occupants, cash-to-keys
• Property preservation-rekeys, inspections, vendors, contractor bids, code violations, utilities, title issues, liens, rehabed
• Accounting-Prepaid accountability with all vendors, code violations, utilities, title issues, liens and rehab; repay one easy check per month
• Values-”AS-IS”, repaired, quick sale, pros/cons of property vs. area vs. city
• Marketing-Internet, digital artwork/subject, multiple MLS boards, network, open houses
• Negotiations-Directly prequalified, multiple offers, counters, addendum’s and disclosures
• Closing-Successful closing rate and performance, handle problems and accurate disbursements

Central California is our backyard of expertise.

With several satellite offices overlapping coverage areas and in partnerships with seasoned REO brokers, you are ensured the ultimate exposure, control and maintenance to return the fastest, highest net return possible on your inventory.
.

We are a Corporation handling hundreds of properties as an outsourcing company

Experience

OAKTREE HOME & LOAN, Inc. has significant experience in managing REO property disposition. This operation is exclusively designed and operated to handle this type of inventory which has several elements, techniques and objectives different than typical property transfers.

Timeliness

The ability to perform the necessary procedures quickly with established procedures and unparallel depth of experience.

Accuracy – the adherence to policies and procedures. Systems and procedures are consistently applied in all areas of property management. OAKTREE HOME & LOAN, Inc. uses state-of-of the art computerized systems for tracking inventory status, managing inventory, expenses and monitoring vendor performance to contribute to the most effective administration for each client.

Local Expertise tatic.ning.com/REOPRO/widgets/index/swf/badge.swf?v=3.8.5%3A10867″ quality=”high” scale=”noscale” salign=”lt” wmode=”transparent” bgcolor=”#ffffff” type=”application/x-shockwave-flash” pluginspage=”http://www.macromedia.com/go/getflashplayer” width=”206″ height=”64″ allowScriptAccess=”always” flashvars=”networkUrl=http%3A%2F%2Freopro.ning.com%2F&panel=user&username=0kfcmkeevbg1c&avatarUrl=http%3A%2F%2Fapi.ning.com%2Ffiles%2FAlq5VlMXWzrdQCM2agTuJpmCrnYB%2Ad52JV8VkCMkcl2DJ0lZleVAvHIBwePLe9lvTJ-DGvhQ0WYHwYGLIa3pkZ89%2A8AHeFW1%2FJILLs.jpg%3Fwidth%3D48%26height%3D48%26crop%3D1%253A1&iAmMemberText=I%27m+a+member+of%3A&configXmlUrl=http%3A%2F%2Fstatic.ning.com%2FREOPRO%2Finstances%2Fmain%2Fembeddable%2Fbadge-config.xml%3Ft%3D1226047690″>
http://reopro.ning.com/xn/detail/u_0kfcmkeevbg1c”>View my page on REOPRO

JILL BERNI, and OAKTREE HOME & LOAN. will manage each client using specialized local capabilities and vendors in each market. The combination of local market expertise and fixed accountability of a centralized operation insures a complete preparation of a property for the market.

JILL BERNI. manages a variety of REO programs each tailored to the requirements of the individual client. Each client can be assured that OAKTREE HOME & LOAN, Inc. resources and experience in managing California state REO programs are uniquely positioned to meet client requirements.

JILL BERNI.is dedicating to assisting each client, regardless of size, with the effective implementation of a successful REO program. JILL BERNI.will be responsible for the administration of each client and will become thoroughly familiar with each clients objectives and preferred method of operations. JILL BERNI. will assist you with program development on an ongoing basis to ensure that your program operates at the most cost-effective level possible. The ongoing consulting role is one of the benefits of a client REO Account Executive structure and often brings program enhancements to the attention of the client.

Jill Berni REO Asset Manager for Bank-Owned Real Estate, El Dorado Hills

http://local.yahoo.com/info-45963688-jill-berni-real-estate-broker-el-dorado-hills

http://ca.local.yahoo.biz/jillberni/aboutus.html Post Foreclosure Evaluation

* Obtain two (2) BPO’s (1 from listing agent, 1 from independent source)
* Review comparables on BPO’s using Automated Evaluation System

Property Preservation

* Property Secured
* Interior property cleaned
* Exterior property debris removed and yard maintained
* Winterize as required
* Insurance management and processing performed

Marketing Plan

* Written recommendation of marketing strategy provided
*

http://ca.local.yahoo.biz/jillberni/index.html

Marketing and Selling REOs

http://ca.local.yahoo.biz/jillberni/services.html

http://ca.local.yahoo.biz/jillberni/contactus.html

Commitment to Earn Your Business

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You can find great local Sacramento, CA real estate information on Localism.com JILL BERNI Home and Loan BROKER is a proud member of the ActiveRain Real Estate Network, a free online community to help real estate professionals grow their business.