Kimberlee Foster, “Chucket” Organizing and Relocation Services on the show this Sunday!! Who better to help us get from Chaos to Organized before, during, and after a disaster!

Did you miss it…or, want to listen again? Here’s the podcast:

KimberleeFosterKimberlee has been working in the trenches bringing donated items to the Valley Fire evacuees in Lake County, California. She has some first hand information on what is really needed…and, Some great tips and ideas on preparing for a disaster, preparing for an unexpected evacuation, and getting your most important items into an easy grab and go location.

You can find Kimberlee at (707) 560-1491  and

Organizing, Downsizing and Move Management Services

Kimberlee Foster, founder and owner of Chucket, provides affordable and personalized organizing and move management services in the North Bay area. She offers professional management and gentle guidance for projects like:

Otto Kobler, Summit Funding Joins us on the Real Estate Hour – New Loan Programs and Updates

Did you miss it??…here’s the podcast;

Real Estate Hour favorite, Otto Kobler of Summit Funding will explain a new more -flexible (?) Fannie Mae loan. Plus; What’s up with interest rates, Jumbo financing, Bridge loans, and more.

Otto Kobler Summit Funding, Inc. Branch Manager / Senior Loan Officer
Otto Kobler
Summit Funding, Inc.
Branch Manager / Senior Loan Officer

NMLS ID#: 225957
CA BRE ID#: 00981742
1400 N. Dutton Avenue Suite 5
Santa Rosa, CA 95401
Office: (707) 522-6300 (Ext: 311)
Fax: (707) 522-6303

– See more at:

Mike Hogan of Hogan Land Services special guest this Sunday, Aug 23rd

Did you miss it? Or, want to hear it again? Here’s the Podcast:



We help property owners and developers improve the value of their land. We examine projects and integrate owner goals. We work together so owners and developers get what they want faster than they would on their own.

Civil Engineering                                      Violation Resolution                         Permit Processing

Structural Engineering                           Construction Management                Napa County Earthquake

Land Surveying                                        Wastewater Solutions                       Storm Water


We welcome Mike Hogan , owner of Hogan Land Services to the show this weekend. Mike’s a 2nd generation surveyor and civil engineer.

Mike Hogan of Hogan Land Services--Santa Rosa and Santa Cruz Counties
Mike Hogan of Hogan Land Services–Santa Rosa and Santa Cruz Counties

Unique Property? Unique Situation? You Need Unique Financing – Chances are Jennifer Foster, Umpqua Loan Officer, can do that Loan!!

Did you miss the show, or, want to listen again? Here’s the podcast:

Join us on The Real Estate Hour -Sunday 9-10AM pdt. 1350AM, 103.5FM or Streaming live at

Jennifer Foster, Umpqua Bank NMLS #486146 Direct: (707) 636-3404 Cell: (707) 280-9502
Jennifer Foster, Umpqua Bank NMLS #486146 Direct: (707) 636-3404 Cell: (707) 280-9502

Umpqua’s loan products include;  unusual properties, portfolio lending and re-hab and construction loans. Some of our clients have directly benefited from Jennifer’s expertise in these products, as well as the more traditional loans.

We’re excited to hear more.

*By the way – This information is not just for home buyers!*
If you’re a Sonoma County home seller with a unique property, or you’ve been told your home isn’t “finance-able”,  tune in. This show is for you too!

Wouldn’t it be great if you could improve your home’s chances on the market, by increasing your home’s buyer pool? – by overcoming that obstacle upfront with creative financing options for your potential buyers!  win-win!!

This is just one of the extras we at The Kelly-NormanTeam offer our home sellers and buyers. We think outside the box to find solutions…and, so does our guest, Umpqua Bank loan officer, Jennifer Foster.

If you’re buying your first home or you’re a seasoned investor,  navigating through the mortgage process takes time, work, and expertise. Jennifer Foster has that covered, and she’s here to help.

Jennifer’s passion for helping people with their home loans is the driving force behind her success. She especially enjoy working with first time buyers – educating and assisting them throughout the lending process. (which she does very well) Whether you are purchasing, refinancing or building,  she provides consistent communication with everyone involved, ensuring a smooth and worry-free transaction.

Jennifer began her career in lending 25 years ago right here in Sonoma County, and she is proud to have joined Umpqua Bank because they believe in providing that same exceptional customer experience based on superior customer service.

More about Jennifer Foster;

  • Started her mortgage lending career in Sonoma County more than 25 years ago at IMCO Realty Services which became North American Mortgage.
  •  Passionate about educating clients and providing financing solutions that meet long term .
  • Specializes in Custom Construction and renovation financing.
  • With Umpqua Bank for almost 5 years.
    • Product mix includes unusual properties, portfolio lending and construction
  • Active in community serving on local boards and community organizations including
    • Schools Plus Board Member
    • Affiliate Member of North Bay Association of Realtors

We’re Talking Fire Safety with CAL FIRE on The Real Estate Hour this Sunday

This week’s show Podcast is up! Click below (Visit for more podcasts of past shows)

On this week’s show Mike and Allison are joined by Marshall Turbeville CAL FIRE Battalion Chief for a brief update on the Rocky Fire. We’ll then take a look at what you can do around your own home to stay safe, and we’ll get a refresher course on the Defensible Space Zone and other important home fire safety tips.  Join us Sunday 9-10AM pst 1350AM – 103.5FM and streaming live at Smokey the Bear.


Sonoma County native, Marshall Turbeville started as a seasonal fire fighter in 1995, has been a permanent employee in Sonoma County since 2000.  2015 is his “20th Fire Season.”

Chief Turbeville understands fire hazard severity zones and how structures ignite based upon first hand experience and research. He was present at last year’s fire in Summerhome Park that burned one residence and heavily damaged another.

He Supervises three CAL FIRE stations and a private funded lookout atop Pole Mountain near Jenner . He was a member of a CAL FIRE Incident Management Team for 10 years in the Planning Section and is qualified as a Fire Behavior Analyst.

We’re looking forward to having him on the show for this timely topic!.


Real Estate Hour Podcast; Great show and information from Tom Havstad-Permit Consultant…

profile pictureIn case you missed it, ^^^^ here’s the podcast from 7/26/2015 with Tom Havstad joined by Ryan Giannecchini (SC Barns) discussing  the vacation rental ordinance in Sonoma County, and a controversial proposed change in the PRMD’s (Sonoma County Permit and Resource Division) policy affecting auxiliary buildings. Because of public uproar, the policy changes were removed.

However, the fact that PRMD tried to sneak this in, has left a bad taste in our mouths.

Tom is a wealth of knowledge when it comes to resolving permit issues. His company is Permit Consulting Services:

Tom Havstad – Permit Consulting Services                                                        Phone/fax: 707-874-2078                                                                                     Cell phone: 707-695-0857                                                                              Website:  – Email:



This is not your Grandparent’s Reversed Mortgage. Today’s Reverse Mortgage Explained

Think you know ALL about reverse mortgages? You might be in for a few surprises. Jill Grom , Reverse Mortgage Specialist with Alliance Reverse Mortgage, joins us on this Sunday’s show to talk about the many things you may not know about Reverse Mortgage.

Tune in every Sunday from 9-10AM pst for The Real Estate Hour on KSRO 1350AM, 103.5FM and streaming live at

Reverse Mortgage specialist--a great guest too! Very informative.
Reverse Mortgage specialist–a great guest too! Very informative.

Jill Gromm |  VP, Reverse Mortgage Specialist 707-535-2926 – Cell 707-235-2269                    (Formerly California Reverse Mortgage Consultants)


3033 Cleveland Avenue Suite 150  |  Santa Rosa CA 95403  |  CA BRE 01326979  |  NMLS 246723

About Jill:
Jill Gromm is an experienced mortgage professional providing mortgage loans for over 14 years and has spent the last 9 years specializing in Reverse Mortgages. She works for Alliance Reverse Mortgage which is located in the Redwood Credit Union’s corporate office on Cleveland Blvd.
Jill’s mission is to educate the senior homeowner and provide safety, security and peace of mind on every loan. She is a trusted advisor that not only works with each client through the loan process but also keeps in touch with all of her clients after the loan closes to answer any questions during the servicing of the loan.
Jill’s keys to success is to listen to her clients needs and educate them on all mortgage options to see what is in the clients’ best interest. She gives every client personal and professional service including in-home consultations. Continue reading This is not your Grandparent’s Reversed Mortgage. Today’s Reverse Mortgage Explained

“Where’s the Beef?” Sales are flat, Inventory Short.

“Where’s the Beef?” Sales are flat, Inventory Short.


  Sonoma County selling and buying season here in the lovely “Wine Country” just an hour north of the “Gate” is flat with sales down 2% over last year but the bigger issue–Inventory! Usually March will signal the beginning of the “Selling” season by more homes coming onto the marketplace. March was a GOOD month but instead of being the beginning of an inventory surge–it was the end. March was our best month and inventory has been declining since. WHAT are the reasons? Below is a slide from the California Association of Realtors. I’ve added on the last three.

Reasons for LACK of Home Inventory  I think the “Off Market” or “pocket listings” is an issue but I’ve NOT seen any hard numbers on it. I’m waiting for CAR or perhaps Core-Logic, to come out with a study showing MLS sales vs. recorded sales. I know in our super tight inventory market, Realtors/Agents are always asking to see new listings not yet on the market. We hear of sales being made off MLS all the time. I keep waiting for the law suit which will define this isssue to apppear. Sellers and their Realtor/Agents who state, “They got their price.” really have no idea at how much that “price” could have been! The current disclosures by CAR, reflect this very issue which came out of the ’89 market scarcity.

Continue reading “Where’s the Beef?” Sales are flat, Inventory Short.

“How to Beat Out a Cash Buyer” with Otto Kobler, Summit Funding.

Otto Kobler-Summit Funding
Otto Kobler, Summit Funding showing off his American Spirit at the North Bay Association of Realtors, Santa Rosa Chapter marketing meeting and 4th of July Celebration on Tuesday.

Real Estate Hour favorite, Otto Kobler, of Summit Funding will be joining us this Sunday.

In this hot and heavy real estate market, cash buyers often beat out financed buyers in a multiple offer situation.

Learn Otto’s strategy that helps buyers with financing rise above the cash offers and present a winning offer.

Plus; There are big changes coming to the lending process, and looming interest rate hikes. Otto will fill us in on all of this and more.

Join Mike Kelly and Allison Norman for new and information about Real Estate in Sonoma County, Ca, and around the country, every Sunday on The Real Estate Hour 9-10AM, 1350AM, 103.5FM and streaming live at

Otto Kobler Summit Funding, Inc. Branch Manager / Senior Loan Officer
Otto Kobler
Summit Funding, Inc.
Branch Manager / Senior Loan Officer


Listen to Mike and Allison on "The Real Estate Hour", Sundays, 9 to 10am PST, KSRO, 1350AM or 103.5 FM and