Rare 5 bedroom single story home with rv access, remodeled kitchen with updated white cabinets and updated flooring ** Remodeled bathrooms ** Vinyl Dual paned windows & Slider *** Boys and Girls club just a couple blocks away ** Great for the large family **

Listed by Harold Powell with Remax Gold Coast.

Nestled in the heart of picturesque Santa Rosa Valley, in sought after Rancho Santa Rosa neighborhood, this 1 story ranch home boasts the desired amenities including volume ceilings,formal living & dining rooms featuring a see through fireplace.Tuscan inspired kitchen has newer appliances,beautiful cabinets,wine storage & eat-in kitchen area. The Atrium features an in ground Spa. Large master suite with spacious bathroom adds an additional dimension of space with a loft area. Convenient indoor laundry room. 2.26 acre lot. Priced to sell, as there are not many homes available at this low price.

Listed by Rosemary Allison with Richard Quinn Realtors.

Welcome to peace and serenity with this fabulous fairway villa in the quiet Fairways neighborhood. HOA Dues are affordable compared to the competition. This cozy single-story retreat is completely updated and boasts 2 bedrooms, 2 bathrooms, and 1,228 SF. The entry opens up to the inviting family room with brick fireplace, tile flooring, recessed lighting, and access to the enjoyable atrium and the outside brick patio with built-in BBQ. With spotless counters, newer appliances, and rich wood cabinets, the perfect kitchen overlooks the convenient atrium, while the master bedroom is adorned with ridged ceilings and attached master bathroom. In absolute flawless condition, this home is a great opportunity in the tranquil Wood Ranch.

Listed by Stephen Christie with Coldwell Banker.

Absolutely charming, spotless,spotless, completely redone. Three bdrm and two full bath. Beautiful Patio, indoor laundry, dual paned, custom fireplace upgraded flooring. Large rear yard,fruit trees,and room for horse. This is a must see! Come inside You will be pleasantly surprised!

Large front yard with lush landscaping, and large driveway.

Listed by Mary M. Ferris with Keller Williams Realty.

Back on the market due to buyer's default! Sold the first time with multiple offers! Be the next to see this Lovely 5 Bedroom, single story home w/huge RV Access in a highly desirable East Simi Valley neighborhood! Surrounded by mountain views, this home was just freshly painted; has wood laminate floors throughout the entry, LR, FR, dining area & hallway; recessed lighting; newer kitchen appliances; mirrored sliders & built-ins in most of the BR closets; Living room boasts an elaborate stone gas/wood-burning fireplace w/wood mantel & stylish built in cabinets. Oversized 2-car garage includes washer/dryer, workbench, loads of cabinet space & direct access to the home & RV area! Enjoy your generously-sized covered patio, fruit trees, built in BBQ, sink & charcoal grill in the back yard.

Absolutely gorgeous inside and out. Kitchen features beautiful granite countertops, custom cabinets, stainless steel applicances including double oven, island, eating area and breakfast bar. Family room has built-in surround sound speakers. Great floorplan features 3 bedrooms upstairs, spacious master bedroom with jetted tub in master bathroom, loft with custom built-in media center, jack and jill bathroom connecting bedrooms 2 and 3, downstairs office (possible 4th bedroom) AND playroom. Designer touches throughout including new crown moulding, custom window treatments (included), upgraded lighting fixtures and ceiling fans in family room and all bedrooms. Custom built-in in family room. Great newer neighborhood close to park and great location on cul-de-sac with views.

Listed by Sara Van Klaveren with Troop Real Estate.

BANK OWNED - Built in 2004, this 4 bed / 2.5 bath townhome is part of the gated community of Sycamore Shade. Key features which make this better than the other units of Sycamore - complete 4th bedroom, upgraded kitchen, upgraded flooring, END UNIT, and upgraded master bedroom. This beautiful home has 1,619 sq.ft. with lots of cabinets, volume ceilings & indoor laundry. Convenient two car direct access garage. Lovely community pool & spa are with in a short walking distance.

Listed by Amy Hollingsworth with Coldwell Banker.

Breathtaking views as you drive home to this lovely, single story retreat! Not only is it nestled in a perfect quiet & private location, this 1/2 acre lot offers you pure tranquility as you enjoy the California sunsets of Moorpark's very own, Home Acres! This home is move-in ready with newer paint & carpet, hardwood floors, granite counter tops & stainless steel appliances in a kitchen that is completely open to the dining area & step-down living room that boasts an elaborate stone fireplace & a gorgeous open-beamed wood ceiling. The family room is highly functional w/built in library/media center & other grand amenities include a new A/C & heating unit; extra-large redwood deck to die for - perfect for entertaining or just relaxing! Load the land up with toys, work trucks, RV or horses! Absolutely perfect! Absolutely move-in ready!

Attention Buyer's!!! Seller will buy your interest rate down!! Seller is offering to pay 2 points to you, the Buyer, to buy your interest rate down!!! Please call today for more information!!! Incredible useable, huge flat-lot compliments this home that has new carpet, new tile flooring, full copper re-pipe, new paint throughout, brand new kitchen with new cabinets, granite, stainless appliances, stainless sink & fixture and wiring. Ceiling fans in the bedrooms, fireplace in the living room, dog run, covered patio in the back and along with the park-like back yard and access to the park that runs along side this property. This is a great property at the end of a cul-de-sac in a mature and family orientated neighbrohood.

Listed by Peggy Veliz with Vintage Sotheby's.

Buyers call your agents! Agents call your buyers! Newly remodeled! Great location! Great community features pool & clubhouse. Lovely 3 Bedroom, 1.5 bath home is located in a highly desirable Agoura Hills neighborhood and surrounded by mountain views. Quality move-in features that include new tile in the kitchen, laundry, entry, and bathrooms; new kitchen countertops, sink, faucet; newer appliances (including fridge, washer & dryer); new windows upstairs; great recessed lighting downstairs; storage shed on the back patio and the BBQ on the front patio is included for those great summer nights! Close to shopping, schools, transportation and excellent trails for hiking & mountain biking. Absolutely perfect! Absolutely move-in ready! Not only affordable, it's FHA approved! Hurry!

Stan Rector

Home Affordable Refinance Program Version 2.0 (HARP 2.0)

 Important factors:

•         The loan being refinanced must have been originated before 5/31/09.  Anything after that date is subject to regular lending rules.  This date also applies to the new FHA refinance program that is coming out 6/11/12.

•         The loan being refinanced must currently be owned by Fannie Mae and Freddie Mac.  This can be looked up online: http://www.fanniemae.com/loanlookup or https://ww3.freddiemac.com/corporate/

•         There are now unlimited LTV’s and CLTV’s.  Previously borrowers were capped at 125% LTV (loan to value).  This means it doesn't matter what your home is worth.

•         Cannot combine 1sts & 2nds, the second must agree to subordinate to the new first mortgage but any TARP bank (the ones that were bailed out) have to comply with this program.  Therefore, if a major bank owns the current second mortgage then it is OK to proceed with the subordination process but credit unions and smaller banks could stand in the way of the refinance since they are not forced to comply.  There is no way to know until you try but since we are improving the borrower’s position on the first mortgage most 2^nd mortgages will comply but it is not guaranteed.

•         There are no longer drastic adjustments to the rate.  People with good FICO’s will get the market rate which wasn't the case previously.  This will save thousands a year.

•         No appraisal is required saving money, time and potential property issues.

•         Must have no mortgage lates in the last 12 months.

•         Must qualify on income but documentation is very light so as long as the borrowers qualify now the last 2 years are not important like they are on regular loans.

This program is great for all those folks who did the right thing and made their payments on time and didn’t walk away.  Now those people will get rewarded and in many cases all closing costs are covered so this is usually a free loan!  Please call for more details: 

Rob Scheuing

President

Sherwood Mortgage Group, Inc.

2219 E. Thousand Oaks Blvd., Suite 207

Thousand Oaks, CA 91362

(805) 496-2512 Direct

(805) 496-5235 Fax

CA Dept. of Real Estate #:01041525  NMLS #:302870

http://www.stanrector.com/Business-Partners

Whether saving money or the planet is the motivation, there are thousands of simple "green"

choices we can each make in our lives, and our homes, that will provide for a healthier, wealthier,

more sustainable future.

Here are some quick tips to help you conserve water, energy (and money) in your home!*

1. If you don't have it in your budget to upgrade to a low-flow or dual–flush toilet, put a brick or full 2-liter bottle in your toilet tank. These will take up volume and help you save water every time you flush!
2. Turn down the temperature on your hot-water heater by at least 2 degrees and wrap your unit in a blanket.
3. Replace your burned-out incandescent light bulbs with CFLs or LEDs. Simply swapping out the most commonly used incandescent bulbs in your home can save you $60 to $100 a year. 

And as always, when you or someone you know is interested in buying or selling real estate,

I'm here to help now and in the future!

 Sincerely,

Stan Rector

Steve & Jessica Hayes - Home Buyer

"I wanted to thank you both so much for everything you have done for Steve and I.  You absolutely went above and beyond in every way possible.  You ended up getting us in our number one choice of house even though it did not seem the easiest to obtain.  I do not think this would be possible without you being as quick and diligent as you are.  Thank you for making this process so easy for us.  You will be in our thoughts everyday we are enjoying our new home.  You both have been so kind and honest that I cannot express how grateful we both are.  We look forward to working with you again in the future; As well as spreading the news to everyone we know about our great experience.

• Appraisal issues – In many markets, we are still seeing slight declining values. Appraisers are in a difficult position, and with so many transactions (including seller’s concessions to assist buyers with closing costs) values aren't always coming in at sales prices or even market value.
• Short Sales not being approved by the lender – With so many sellers owing more than their home is worth, buyers’ proposals need to be approved by the lender (who will be receiving less than they are owed). Some of the offers are too low, but often, the lender isn't local and they really don’t know what the property is worth in today's market, sometimes trying to get more then the property is worth in it's current condition.
• Bad pre-approvals from the loan officer – Today, loan officers who are not reviewing credit reports, tax returns, analyzing bank statements, and asking for detailed explanations and documentation on credit blemishes. They are truly hurting the customers. Issuing pre-approvals based on the just what the customer says and not really looking into their real qualifications. One of the biggest things we see is the lack of understanding about closing cost and what it will really cost to close the transaction in addition to the down payment. Their are additional cost that need to be talked about. 
• A lack of transparency – Whether it’s a seller or agent not disclosing property issues, or a buyer trying to sneak things by an underwriter, too many people think they can cut corners. Everything needs to be uncovered. Being honest in the beginning, gives you the best chance to overcome obstacles.

It is getting more and more challenging to close loans in today's market, the underwriting guidelines are changing every week. Some are making it hard for people to get loans. However, with proper planning and integrity, many of the challenges can be dealt with early and successfully. If your interested in finding out more, we are here for you. We can help you get through this with out the Horror stories. Don't take our word for it, listen to what our clients have to say. --  Click here to read!!!

http://www.stanrector.com/Client-Testimonials

My wish is that next year here in Simi Valley we will be able to triple the amount of people that we can help.

"Last night Congress restored the loan limits for the Federal Housing Administration (FHA) for two years.

As you know, in late September the FHA, Fannie Mae; and Freddie Mac loan limits were reduced in 42 states pricing potential home buyers out of the American Dream of home ownership and holding back the housing recovery.

NAR immediately went to work with the goal to get the loan limits restored in Congress. For weeks that goal seemed unlikely.

You, and countless other REALTORS® like you along with YOUR leadership and YOUR management team worked to educate Congress that well-qualified buyers didn't need yet another hurdle to access affordable mortgage financing.

They finally listened. Because we were persistent. And because we were right.

The reinstated FHA loan limit formula and cap change will help make mortgages more affordable and accessible for hard-working, middle-class families in 669 counties in 42 states and territories, where the average loan limit reduction after the reset last month was more than $68,000. The provision reinstates the FHA loan limits through 2013 at 125 percent of local area median home prices, up to a maximum of $729,750 in the highest cost markets, the floor will remain at $271,050. However, Congress chose not to apply the loan limits restoration to Fannie Mae and Freddie Mac. Fannie-and-Freddie-backed mortgages will remain at 115 percent of local area median home prices up to $625,500.

The bill also provides for a short-term extension of the National Flood Insurance Program through December 16, 2011. NAR will continue to press Congress to use the additional time to complete their work on a five-year re-authorization of the program, which ensures access to affordable flood insurance for millions of home and business owners across the country.

I know that when we work together we can accomplish anything we set our minds to in order to preserve, protect and defend the American Dream of Home Ownership.

Because of your excellent work, I am continually reminded that “REALTORS® are the Heart of the Deal.”

With much appreciation,

Moe Veissi
2012 President
NATIONAL ASSOCIATION OF REALTORS®"

So the time is now!! Give us a call today to get started in your home purchase!