bye bye 30 day escrows for most Livermore ca real estate

Steve Eveleth http://www.steveshomesearch.com/ livermore ca real estate tri valley real estate

Were you told recently that you would close on your new home in 30 days or less? Where you ready to throw yourself & your loan agent off the nearest bridge by the time your transaction closed & you got keys in hand? Did the bank keep coming back to you asking for silly documents that you think should have all been collected from the start? Where you told just a few more days 4 or 5 times? Do you feel like you took a few yrs off your life or added a few grey hairs during the course of your loan transaction? Did your escrow take 45.60.even 90 days to close? I have news for you. Your not the only one! if yes to any or all of these q’s WELCOME to California’s new constant changing guidelines (FHA is the worst), crappy non-compassionate customer service, unjustified time delays, not enough man power for the workload cause they are to concerned with pinching pennies for profits, over working the staff & fat greedy banks that are over compensating for how they should have operated before the whole mess began in the 2007. So before you get upset at your realtor & or loan agent Its not us! It just so happens we are on the front line and on the roller coaster ride with you!(most of the time) I speak for myself & our experience anyway just know that we are going through the same thing you are! Every party that is working on your transaction all work together to make it happen We all want you to get in your home as bad as you do! Also lets be real here, we all work on commission basis in case you forget so we are as motivated at all times to meet your needs met, make you happy & us put bread & butter on our table as an end result) Many people think by pushing or being difficult its going to speed up the process…..the best clients are the ones that trust, let us go to work, assume that this is not our first day on the job and we are working hard taking care of everything we need to do when we need to to get your transaction closed! What type of client will you be? Thank you Steve Eveleth StevesHomeSearch.com http://www.steveshomesearch.com/

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Steve Eveleth 6/15/09 :90 day moratorium again???

Another 90 day moratorium on foreclosures? Help or hurt? Steve Eveleth StevesHomeSearch.com
Another attempt to band aid the open wound. The pres says he doing this to put pressure on lenders to work with home owners……haven’t we already done this a couple times in past 2 yrs? The lenders do not give a shi* about working with homeowners. Thanks to corporate tax laws & legal loopholes for big business believe it or not lenders /investors/hedge funds/insurance companies are actually benefiting from this foreclosure era but you don’t even want to get me started with all that!!
What we need to do is let this thing find its own bottom. Just like the bailout money, what happens when it’s gone? We’re back where we started. Same with the moratorium. You see the problem is deeper than lenders discretion on whether they want to work with people on their loan mods, the problem is people don’t have jobs to pay their mortgage whatever it’s modified to! Let all the foreclosures do what they are going to do, first time buyers are buying them up as soon as they come on the market. All we are doing is setting a new foundation of buyers in solid 30 yr fixed loans. Once economic conditions improve, all the foreclosures are bought up & people are making decent money again we should see some solid ground to stand on……….let’s keep our fingers crossed for the alt energy & science, stem cell something soon”” boom, when? I have no clue; if I knew the answer to that I would be on a beach somewhere not writing these blogs!! As long as history repeats itself we will eventually be in good shape again. Lets not ever forget these times people! You know what’s funny is we are going to be like our parents & grandparents all conservative in 20 yrs all super conservative from the lessons learned “back in the day” the mid 2000’s foreclosure era…lol

Livermore ca real estate agent. StevesHomeSearch.com.Steve Eveleth. Livermore ca real estate news.Livermore ca foreclosures. Livermore ca home search


Steve Eveleth 925-487-2246 not your average suit & tie smiley face realtor. One that is here to help you . No sales or BS along the way. I should not have to “sell” you anything. I should instill your confidence in me that I’m the right realtor for the job of handling one of your biggest financial transactions of your life & taking care of you along the way
GET PREAPPROVED, GET OUT THERE SHOPPING OR BOTH, ALWAYS A QUICK RESPONSE (find out in less than an hr if you can get into a home)
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Steve’s video on how to shop in this current market
http://www.youtube.com/watch?v=M1dyagct9SE
Win the lotto this is not a joke or a marketing ploy, go ahead check it out!
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"highest & best" game banks play by Steve Eveleth

The "highest & best" counter offer game the banks play with poor buyers from Steve Eveleth
Since mid to end of 2008 & current 2009 the entry level market is cooking for first time buyers. 90% of low priced bank owned homes are getting 5-10 sometimes even 20 offers in the East Bay, Central Valley & Contra Costa counties. When the banks get multiple offers they counter everyone back at what they call "highest & best" meaning they are not going to tell you how much they want, how much other offers are or even if there are any other offers. They are simply telling you how much do you want to pay for the home what's your "highest & best offer" this is the most difficult situation to deal with because it makes the buyer completely do a back flip in their mind because the first thing you as a buyer think about is "getting the best deal" & price negotiation" well there is none that's just it. The banks purposely throw REO's on the market 3-5 even 10% under comps because for one they have to move them quick to get off the books (banks are not in the business of property management) two, they know they will get multiple offers so they can pick the best one with the highest price that they think has the best chance to close! First question buyers ask is well how much are the other offers? How many other offers are there? How much do we need to put in to get our offer accepted? The difficult part for a buyer's agent is answering don't know, don't know don't know!! AND WE REALLY DON'T KNOW with the highest & best game it's like spinning the wheel of luck. There is no way to tell how many offers there are, how much they are or what bank is willing to take to choose your offer. There are a few things to improve your chances like for instance 20% down conventional loan verse FHA 3.5% down, banks usually would pick the 20% down over the FHA because they think it would have a better chance at closing. Of course cash offers usually always trump the other offers.....now heres a twist (and there’s always a twist with REO's somewhere in each transaction thats different from the rest) is this: I have seen banks choose a FHA offer over cash or 20% down...why is this after what I just mentioned????Bottom line net that’s it....you see some banks don’t care about cash offer they are looking at highest new profit, other banks dont care about net they want it to close quick & don’t want to wait for financing.......this is where it gets challenging for agents & there clients...dealing with the banks is like dealing with the wizard behind the curtain, we simply do not know what the bank is going to do...the old days of inside politics with all parties involved is non-existent with the banks.....we play buy there rules & spin the wheel...just like at Vegas, that’s how you have to look at it when shopping right now....

livermore ca real estate news: salesman or humble servent?

My name is Steve Eveleth. My job is to help people with my experiences, knowledge in the real estate industry so they can make informative decisions in which they can get themselves positioned with one of the biggest financial stepping stones in their lives. Buying or selling a home! I am a licensed real estate broker in the East Bay Area of California. I do not consider myself in "sales" I think if you have to "sell" someone into buying or selling a home you are going about it the wrong way.Livermore ca real estate In fact I think if someone feels like you are trying to talk them into something they don’t want to do they may get down right offended! and remember first impressions are everything in this business. People don’t care how much you know until they know how much you care. Bottom line is this: chances are if a home buyer or seller is in contact with me they already know what i do. They already know how much my commissions are. More than likely they want to know if im going to do a good job for them with what they already are in contact with me for in the first place. yes real estate does take what’s called lead generation, which is finding the people who are looking to buy or sell. Now that is where the work for most agents begins, especially if your new in the business.......if you are "old" in the business chances are you have been in the real estate game for a long time. Many agents that have been around for a long time have established cliental already & 80% of their business is referrals. So to buyers & sellers im here to share, care & help you get the most from me with your real estate transaction. To agents out there that need help being successful im here for you ............when you focus on being the best you can be in the true interest of helping people the money part of it will naturally come on its own....I never could understand while people consider real estate a "sales" job.... steve eveleth livermore ca real estate agent top producer 2008

Livermore ca real estate agent real estate news

Current market conditions Steve Eveleth Blog 5/17/2009
Well the entry level market is certainly taking a turn toward a seller’s market that’s for sure. On average there are 3 to 5 preapproved buyers for every bank owned home that comes on the market in the East Bay area & central valleys. Reason for this is low prices, great rates & demand demand demand!! First time buyers make up a whopping 71% of all purchase since early 08. Remember how it was in the early 2000’s when everyone was buying up properties like crazy? Here is what’s similar & why that is happening again. Low rates, high prices & adjustable loans that allowed you to pay a portion of the interest letting you purchase way higher priced home because you had a low payment with a neg am loan. This combination sucked up the inventory like crazy Well check this out now: low rates & fixed loans & inventory getting sucked up like crazy, what makes this happen again is prices have come down now with fixed rate loans verses the adjustable loans making affordability the same. Its simple High prices with neg am loans, low prices with fixed rate loans equal same payment equals affordability gab!! We are simply creating a new foundation of buyers in solid 30yr fixed loans…….start seeing some price increases soon everyone….then the big: moving up “boom will start soon!! Where will you be positioned when it happens? http://www.steveshomesearch.com/ Steve Eveleth, my job is to get you into a home!

Best deals in Livermore ca real estate by Steve Eveleth

Attn buyers::::: dont get your heart set on these beautiful low priced homes youare picking from the internet when you are getting ready to shop with your realtor These properties getmultiple offers within the first couple days they are on.They also aregetting 5 to 15% over asking price in the Livermore & especially Mountain House area. the bank prices them low to getthe quickest true money the market will bring. They also have manyoffers to pick from so they have a better chance at closing it. Youwill not see them pending sometimes until a couple weeks later untilthey are fully negotiated & in contract. These good deals are possibleto get but its a challenging process on bidding above & beyond askingprice, quick offer submission & being at the right place at the righttime.We can persue them but it may be a lot of dropping what you aredoing every other day or so & going to look at them quick & writestrong offers for over asking to have the best shot at them. Know what you want, dont lollygag around because they are gone. The deals are out there folks you just need to know how to get them. For all those free minded folks who think they dont need a realtor???? You will be spinning your wheels for a long time trying to get one of these deals. You must have an aggessive realtor that monitors MLS everyday,as soon as a good deal pops up I call you & we go look at it that day. You must know what you want ahead of time, be preapproved, ready to make quick decisions. For all the people out there that think its a "buyers market" & you think you will get something for noting by writing low ball offers you will be wasting your time & the agents time. Heres a hint if you have a realtor that knows what they are doing in this current market or not. A good agent that is currently closing deals will know what it takes to get one of the good deals. They will not waste there time or yours. A good agent like myself will ask that you trust that I know what im doing. If you want to do things your way & not take advantage of my knowledge & experience in this market then we would not be a good match. This is why you get a realtor people so they can do all the work for you. You have to trust that we know what we are doing & want to get you into a home as much as you do, remember its what we do for aliving to! A good realtor will know how to do what they need to to get you a deal & not be afraid to tell you how it is if your not being reasonable with how your going about the process of buyuing a home. I shot straight from the hip, if you want a good deal & come along for the ride , great if not good luck out there, hope this blog was helpful!
Steve Eveleth steveshomesearch.com & getinahomenow.com
Keller Williams in Livermore ca real estate exclusive buyers agent 2009

No BS with Steve Eveleth Top producer Livermore Ca

Steve Eveleth shots straight from the hip on real time current market conditions. I have a entire team now to better serve my first time buyers in the Livermore, Mountain House & tracy areas! Livermore first time buyers are where the market is....grap its while you can....agents I always looking to expand my team for the right qualified individuals....experienced agents only! You must eat breath & sleep real estate! Part timers need not apply!

a bit about the market to first time buyers!!! Livermore Ca real estate news 1/10/2009
A little about the Livermore market. WE SEEM TO BE AT BOTTOM. This is because any SFR 3/2 that comes on the market under $350k gets multiple offers first few days it's on. This has been going on for a while. The only reason we are not seeing any price increases yet is because there is still enough bank owned homes coming on the market so demand is not outweighing supply....YET. Buyers beware of short sales. They are giving everyone a very false sense of what the market is actually doing because all you see is a low priced home staying on the market for a long time...that's because its a short sales. ONLY 7% OF SHORT SALES ACTAULLY GO THROUGH. DONT WASTE YOUR TIME! What you & your realtor want to go after is REO's & private seller homes! Banks most REO's priced under $300k anywhere Livermore Tracy & Mountain House are moving quick! Don't listen to the media, first time buyers are snatching these low priced homes up....its a no-brainer to purchase right now...rates are low, loans are insured, you now have a tax write off, closing cost credits are doable.....everyone also knows that real estate is a long term investment . Are you going to make $50k in equity in 2 months? Probably not. Will you make a million dollars over the course of the next ten years? If history repeats itself you will. Where will you be when the market starts going up again? If you are asking yourself is it the right time to buy ask yourself this:::Do I like the home? Do I like the area? Do I like my payment? Do I need the write off? Do I want to leave something of value to my kids or family? Do I want to feel the pride of home ownership? Do I want to tell my landlord to kick rocks???If you answered yes to most or all of those questions....then it becomes a logical decision instead of an emotional decision....write it down on paper...then ask yourself if not now.....when????

Steve Eveleth StevesHomeSearch.com Local Livermore Ca top producer agent
also for all buyers info::: Bank owned, REO, foreclosure ALL MEAN THE SAME THING! Don't be miss lead thinking you are getting a good deal because a home is listed as a "foreclosure" doesn't mean anything they are all priced the same! Bank owed, foreclosure, REO all mean the same thing. Marketing is a powerful thing! Don't be fooled, call Steve Eveleth for no bs straight talk about where the market is & what you need to do to get into a home. The StevesHomesSearch team. Livermore Ca Keller Williams 2300 first st suite 216 is where you can find me! Stop by to chat , coffee or tea on me! 1/10/2009!