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Video Series with Mike Kelly & Toni Esposti

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California Battered by Rain-Sonoma County Neighbors! Here’s WHERE to get SandBags!

In California MORE RAIN forecast! Sonoma County neighbors; If flood waters are lapping at your door, here are a few locations offering FREE sandbags. City of Santa Rosa Municipal Building 55 Stony Point Rd. , Forestville Fire Station, and Friedmans Home Improvement. Stay safe and dry.

  Mike here–having grown up in Guerneville during some of the great floods, one great lesson I learned when looking at homes up in my old home town–NEVER buy a home under a Redwood Tree with a big brown stain ring about 20 feet up! Yes, it floods!

The Kelly/Norman Team is seeing “green” this year.

This year Mike and I will be digging a little deeper into the many ways to reduce our “Carbon Footprint”. As Kermit the Frog always said, “It’s not easy being Green” but it is getting easier. We’ll be exploring the many ways you can do your part…..and also some things to avoid.  

Beware of  “Greenwashing” …. loosely defined as exaggerate claims to be true “Green Solutions”  in order to sell or promote a product, service, or business..

The first in our series of “green shows” will be sure to answer many of your questions. It will air on January 17, 2009. More details to follow. Please feel free to send in your questions before or during the show to NoDumbQuestion@gmail.com.

Sonoma County,California Buyers-Underwriting is changing-get “RE-PreApproved”!!

Sonoma County Homebuyers! New Underwriting updates for 2010, of “things to come” By Pete Phillippe 707-481-2737

Buyers for Santa Rosa, Rohnert Park,Cotati,Sebastopol, all up and down the Hwy 101 Corridor–if you HAD been pre-approved for a loan a couple of months back? YOU NEED to get your lender to say you pass the NEW underwriting guidelines imposed on you now in 2010!

  Our lending guy, Pete, has put together an update on the revised guidelines. We hope you find it helpful!

You will always get the best possible interest rates if the middle fico is 740 or above , have a impound account for taxes and insurance and keep the loan to value at 75% or less. This is true for an owner occupied or investment property, 1 to 4 units. Loan above $662,250, look for 25% down and 2 appraisals of the property . . . . Or certainly a appraisal review of the first one done   Continue reading Sonoma County,California Buyers-Underwriting is changing-get “RE-PreApproved”!!

Another Beautiful Sonoma County Morning

SpringLake1SpringLake2

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Sunday morning at Spring Lake….A cool crisp morning….fog gives way to the morning sun….an amazing view… just a few more reasons to appreciate this beautiful area we live in.

What better way to start the new year. Sonoma County is full of great spots to hike. From neighborhood trails, to mountain waterfalls, to lakes and rivers…and even a walk on the beach. Get out and EXPLORE!
The city of Santa Rosa website has county park information and a map of local creek paths…great for hiking or biking.

  

Meet the Newest Member of Allison’s Family…Emma Grace

What Grandma wouldn’t be thrilled to post pics of her little angel.

Our Little Christmas Angel

Our Little Christmas Angel

Look Who's Awake

Look Who's Awake

HomePath Loans explained! Little used-but MUCH overlooked Loan Program! Must be a Fannie Mae Loan!

Here’s a link to our HOMEPATHinformation. The HomePath loan has many, many great features. Trying to buy a condo but found out the Home Owner’s Association Certification, needed for most loans, does NOT pass your lender’s requirements? Then ask if the current loan, if the property is a bank owned foreclosed upon property or “REO”, has a Fannie Mae loan. If so, the property will qualify for the “HOMEPATH” loan–HOA Certificate NOT needed, 3% down! This also applies to any foreclosed upon home which has a “Fannie Mae” loan! Very cool. Give Allison Norman a call and she can fill you in on all the details! 707-799-3617

May Your Thanksgiving Be Filled With Family, Friends ….and Food!

Here’s a Thanksgiving poem for all to share.  Enjoy…
TWAS THE NIGHT OF THANKSGIVING,
BUT I JUST COULDN’T SLEEP.
I TRIED COUNTING BACKWARDS,
I TRIED COUNTING SHEEP.
THE LEFTOVERS BECKONED –
THE DARK MEAT AND WHITE,
BUT I FOUGHT THE TEMPTATION
WITH ALL OF MY MIGHT.
TOSSING AND TURNING WITH ANTICIPATION,
THE THOUGHT OF A SNACK BECAME INFATUATION.
SO, I RACED TO THE KITCHEN, FLUNG OPEN THE DOOR,
AND GAZED AT THE FRIDGE, FULL OF GOODIES GALORE.
GOBBLED UP TURKEY AND BUTTERED POTATOES,
PICKLES AND CARROTS, BEANS AND TOMATOES.
I FELT MYSELF SWELLING SO PLUMP AND SO ROUND,
‘TIL ALL OF A SUDDEN, I ROSE OFF THE GROUND.
I CRASHED THROUGH THE CEILING, FLOATING INTO THE SKY,
WITH A MOUTHFUL OF PUDDING AND A HANDFUL OF PIE.
BUT, I MANAGED TO YELL AS I SOARED PAST THE TREES….
HAPPY EATING TO ALL – PASS THE CRANBERRIES, PLEASE.
MAY YOUR STUFFING BE TASTY,
MAY YOUR TURKEY BE PLUMP.
MAY YOUR POTATOES ‘N GRAVY HAVE NARY A LUMP.
MAY YOUR YAMS BE DELICIOUS.
MAY YOUR PIES TAKE THE PRIZE,
MAY YOUR THANKSGIVING DINNER STAY OFF OF YOUR THIGHS!!

HeritageTurkey

 

 

 

 

 

Mike’s “Heritage Turkey” raised by a local 4-H’s from Petaluma. The BEST flavor in a turkey money can buy! 28 pounds of “Slow Food” magic. And that I know it’s not just a big, fat seagull–they left all the vital parts for identification!! Yummmmy!

From the Mike Kelly and Allison Norman Team…..HAPPY THANKSGIVING TO ALL

Allison Norman, Chatting it up with Jamelie Samonte

Jamelie S. Samonte is Sr. Loan Consultant with Prospect Mortgage with 20+ Years in Residential Lending

She is Prospect’s Top Funding Producer in Sonoma/Napa County – 6 Districts in Northern California.

 Jamelie and I will be chatting it up today….and bringing a woman’s perspective to today’s show. She and I share many of the same values and work ethics….number one being communication and empathy for our clients. She is extremely knowledgeable about the products she offers and knows what it takes to get a loan through the underwriting process…and approved.  She does it with a gentle, yet firm and persistant manner.

Specializing in:

Effective communication, Product Knowledge, REO Financing

STRS ;  State Teachers Retirement System

Homepath

FHA/VA

Jumbo/Conventional Programs

Contact Jamelie at jamelie.samonte@prospectmtg.com or call 707-535-1253 or 707-696-6054

My guest today; Jamelie Samonte of Prospect Mortgage

Jamelie brings with her, the Strength of one of the Nation’s Largest Independent Residential Retail Lenders

About Prospect Mortgage

As one of the nation’s largest independent residential retail lenders, Prospect Mortgage has greater control over your transaction and is able to quickly approve and close loans in-house. In fact, we are able to fund loans that other lenders might deny.

Prospect Mortgage is backed by Sterling Partners, a private equity fund group with over $4 billion of capital under management. An entrepreneurial company, Prospect Mortgage is growing at a time when other lenders are shrinking and closing. Prospect’s business model was formed during a challenging market, so they know what it takes to survive and meet customer needs during these tough times…..The Right Loan for You.

Contact Jamelie Samonte at; jamelie.samonte@prospectmtg.com or call 707 535-1253 or 696-6054

Short Sale vs. Foreclosure

Our real estate market seems to be shifting yet again. It’s no secret that the banks lose significantly less money if they accept a short-sale offer as opposed to selling the home as an REO.

So, why don’t they pick up the pace on accepting short-sale offers? The reality is they lack the systems to make the process smooth and efficient and, quite frankly, haven’t wanted to throw good money after bad to put the infrastructure in place for a “temporary” period of time. Continue reading Short Sale vs. Foreclosure