Posted by Rick Goates on Fri, May 28, 2010 @ 10:48 AM
If you just put a Redding Ca area home into escrow keep this advice in mind unless you have 800+ FICO scores!
Fannie Mae has just changed their guidelines and if you credit score drops you might not get that loan!!
The safest bet is this.....if you have a home in escrow DO NOT use you credit cards or do ANYHING on credit!! Nothing!!!
For some people that are teetering going out and buying a new couch might just put them out of qualifying for their loan now!
Safest bet?? Until you get your keys and it closes....don't purchase anything using your credit cards....pretty simple but very important...
I remember many years ago a nice young couple that celebrated their new home purchase and went out and bought all new furniture! They didn't get the home because it changed their FICO scores Just before they closed!! Owch....
Make it a great day!
Regards
Richard Goates
01251781
Posted by Rick Goates on Thu, May 27, 2010 @ 01:12 PM
Are you looking for a great deal on an REO?This wonderful Palomar built home in great area is coming to market soon! This approx 1450 sq.ft home features a huge covered patio off the back,boat parking on the side.Updated interior with Faux finish,fireplace,HUGE lot and so much more....
Contact me today to get more details or preview.If you are working with an agent that is great also...they will see it when it hits the MLS soon.
Richard 530-248-5627
Dre 01251781
Posted by Rick Goates on Wed, May 26, 2010 @ 11:35 AM
If you are thinking of building a home in the next year or so take note that the building codes are going to change to make ALL new homes Greener!
Whether you agree with this or not is not the point. The point is being aware that a bid you get today from a Contractor might be higher if you build AFTER the new codes take effect.
Learn more about the changes here now.
To greener homes and buildings!
Regards,
Richard
Posted by Rick Goates on Tue, May 25, 2010 @ 04:15 PM
This home sold new for $479k...no price yet but it's a 4/2 with approx 2200 sq.ft. Over half an acre and in an excellent subdivision!
Get on the list now if interested?
It's 5 years old now but shows great and should go quickly when it hits the market! Call Richard today 530-248-5627
01251781
Picture above was when it was being built.
Posted by Rick Goates on Fri, May 21, 2010 @ 04:44 PM
Are you having trouble with your Redding area mortgage? Here is a link to help you with information if you are having trouble with your loan payments and your loan is insured by Freddie Mac.
There are options available to you to help you with a modification or short sale if need be.
http://www.freddiemac.com/avoidforeclosure/stop_foreclosure.html
Regards,
Richard Goates
530-248-5627
Posted by Rick Goates on Mon, May 17, 2010 @ 12:28 PM
Here are some new listings that are super values if you are looking for an REO in Shasta County Ca?
Lake California-
4/2 with living and family rooms, large inground pool and built in spa are just the starters here. 1642 approx sq.ft of space on oversized .33 acre lot.Price is $184,900....WOW
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Shingletown- Chalet/Tahoe style home in the tall pines.$159,000
3/2 with Antique Style Clawfoot tub and much more!
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Shingletown-Affordable living on acres.4/2 with 2+ acres in the cooler climate! $115,000
Contact me today for these and other REO's/Short Sales and great deals!
530-248-5627
Richard Goates
Eco Broker
01251781
Posted by Rick Goates on Sun, May 09, 2010 @ 01:29 AM
With a Full lake this year houseboats are renting out quickly and vacationers are making plans to spend some time on Shasta Lake this year!
We haven't seen this much water since June of 1998 when they let water spill over the top spillway of Majestic Shasta Dam just outside Redding Ca.
This year looks to be one of the best for water skiing,house boating and swimming in many years as the lake is FULL.
If you have ever thought of relocating to the greater Redding CA area feel free to contact me. I have helped numerous others make the move to Redding smooth. Many people start out vacationing at Shasta Lake and then realize that they could spent a lot more than a week a year on the water if they lived here year round!
Regards
Richard Goates
530-248-5627
Website
Posted by Rick Goates on Wed, May 05, 2010 @ 12:08 PM
The Federal Tax Credit has expired but if you live in California there is another tax credit that you may be able to take advantage of.It is structured a bit different and how it effects you only you and your tax person/CPA can determine.
http://www.inforedding.com/Default.aspx?app=LeadgenDownload&shortpath=docs%2fCA+new_home_credit.pdf
Check with your tax person to see how you can benefit by utilizing this State break?
Regards
Richard
Posted by Rick Goates on Wed, Apr 14, 2010 @ 05:54 PM
Shasta County home sellers that sell with a short sale or lose a home to foreclosure don't have to pay state income tax anymore on debt forgiven! SB401 gives relief to many Shasta County Short Sale Sellers and sellers across the Golden State.
Enacted April 12th 2010 the bill grants relief through 2012.
Learn more about his great new bill if interested.
Regards
Richard Goates
"Representing sellers across Shasta County in Short Sale transactions" .
530-248-5627
Posted by Rick Goates on Thu, Mar 25, 2010 @ 09:01 PM
Good news if you are purchasing as a first time home buyer or are going to buy a "New home"...There is a new State Tax Credit for up to $10,000 or 5% of the purchase price which ever is less.
It is for Owner Occupied only and goes until August 1st 2011 or when the money runs out!
Last time the money ran out pretty quickly so keep that in mind if you plan on waiting to try and time the market...
With interest at historic lows still and plenty of available great buys this new tax credit should help those that have contemplated purchasing.
Here is a link to all the details of this...
Remember this is a tax CREDIT not a check back in the mail!!
Regards
Richard