Monday, March 9, 2009


Despite all the controversy around the economic stimulus package, the intention of any stimulus is be a catalyst-influencing something else to happen. Creating movement in these ever changing economic times is essential and will present excellent opportunities for homeowners.
One available option right now, and well worth the time and expense, is to re-finance your current First Trust Deed. With conforming loans increasing to $729,000, now is the best time in years to lock in a fixed rate on your home. These new 30 year loans come with fixed rates in the low 5 percent range. Looking at your current mortgage, is it over 6 percent? Are you currently in an adjustable rate mortgage? If the answer to either of these questions is yes, it is time to think about re-financing your home. Even if you have done so in the last few years, the savings on the interest rate will cover the costs of the new loan in a matter of a few months. If you have any questions about your current mortgage, or want to know more about the new conforming loans, call me! I can help you get all the right information that will save you thousands of dollars a year.

Current market conditions allow homeowners to reduce their property taxes!

Lately, the news for homeowners has been all about lost values. Here is a way to take advantage of this situation and put cash back into your household. With property values declining, you as a home owner are allowed to take advantage of this decrease in value by re-assessing your property at today's values, thereby reducing your property tax liability.

If you purchased your home in the last 5 years, chances are the current value may be less than what you paid for the property. In many cases, the new assessed value could now be thousands less than the original purchase price. With my help, the process is easy. Many of my friends and clients have received letters in the mail and others have downloaded information from independent companies that charge up to $500 to process these documents but together we can get this done for little or no cost to you. Stop paying higher property taxes today. I'm here to answer any questions you may have about this legal and easy way to reduce your current property tax bill.
Together, we can put you back in control, and remember, be the change you wish to see.

Always at your service, with the guiding hand of optimism,


Friday, January 30, 2009

It's a new in the Moment!

2009 will be a year of change and contrast. As we start the New Year, everyone I speak to asks the same question,

"What will the 2009 real estate market be like?

My answer to this question is always consistent. "Buy NOW and take advantage of the increased inventory, historically low interest rates, and heighten seller motivation."

These conditions will not linger nor will they last. In 23 years of selling homes and land in Southern Santa Barbara County, never have I witnessed all three of these conditions come together in unison.
The other part of my message is if you are not in the position to buy or need to sell, take full advantage of the low interest rates being offered and re-finance your home. Again these incredible rates will not be a steadfast benchmark. As inflation pressures increase and the economy begins to re-bound, the rates will rise and opportunity will be missed. Be one of the leaders "living in the moment" and don't waste this chance to place your homes mortgage in a safe and sound future.

Need information on lenders and current mortgage rates? Just pick up the phone and call or drop me an email.

Best Always,