3 Burst results for "San Fran Mary"
"san fran mary" Discussed on 860AM The Answer
"Can also go to my website, three ws, San Fran Mary and EMMY EMMY an N dot com. You know, how to spell San Fran. And if not it's S A N F R E N. Okay. So San Fran Marianne dot com. So we're talking about the market short sales are up the I mean, they're coming back. I had to if you go to equator dot com. You'll find me there Maryanne Dorna, and what are the things that is really telling is the map that they have up. And what does that mean? Well, right now, there's fifty six thousand one hundred and thirteen active are ios in the nation. That's just in a nation. Now funny thing is Florida's leading away. They're a red state literally speaking there also read with short sales are kind of leading the way in California. Hey, we're we're coming up pretty close. Okay. So we need to be able to offset that by knowing what to do and nine what to do is. A short sale is when before it was when the prices were upside down, the the heart the value of the loan was more than the value of the home. So it like drop by half if not more at some cases, and nobody wanted to pay those high mortgage. Head vertically those very exotic mortgages based on like eighty twenty hundred percent loans and all these. All these exotic loans, and all these really arms that grew hands a choke people. And so basically we're coming out of that supposedly, and it's more stabilize market, they're not pushing arms like they used to. Fix thirty year fix. It's always been the bread and butter of homeownership for working people. But Linda, curl out of debts. They end up. Charging too over their limits. And then you end up ten twenty thirty forty fifty thousand dollars worth of credit card debt. And then you end up refinancing your home start. Taking out your equity and one of the one of the downsides of. What's happening with those arms? You end up having to keep refinancing all the time in the Bank makes Pooku bucks. Every time you do that before the bank's only made money once every thirty years on that loan because you know, people paid for it and retired, and, you know, had homeownership, but that's not the case when now with a high debt and the card system that we're in because, you know, your car carrying worker which not necessarily meaning your status, but meaning your credit, so you end up charging too much, and that's what happens and soda every three or four or five years people end up refinancing their homes and taking the equity out. So you don't wanna do that the goal here stability. So now that we're in this market where it's been a ten year. Hike twenty sixteen kind of top that hike and 2017 is the pushback for the pricing. So what's happening at twenty and twenty next carried over into twenty eight. So what's happening is the price of the values are dropping? So if you're a seller. I'm gonna tell her you. You've got to move now because they are coming. According to this map, the REO's are coming. So you need to sell your home prices are still Glennon, you a good chunk of change. You can sell move and start a new chapter of your life. And especially if you're a senior, and by the way, I'm a very good person to work with if you're a senior, I'm very respectful very responsive, and you know, and I like to take care of people and even more so for people who need in a more vulnerable to greediness and more vulnerable to unsavory people doing conducting business with them. If you don't think that's the case go to Arp and find out those statistics. Anyway. I don't want you to go away. Because I want you to find out how not to sell yourself short. By staying connected with San Fran Marianne four one five eight ten one eighty date. We'll be right back with real estate buzz..
"san fran mary" Discussed on 860AM The Answer
"Estate buzzing. You heard it on the radio. Hey, you heard San San Fran mary-anne on the radio, so San Fran Marianne because you can okay. I love to share the air. And always getting you the best information possible. And getting you the truth. I'm not I don't have your stem screws on making you signing contact before you find out what you need to know. If you have any questions at all about real estate do give me a call for one five eight ten one eight four one five eight ten one eight eight be happy to try and answer it for you. And if I don't have an answer, I will defer to some one of the professionals in my team that will. Okay. So whether it's an attorney bullshit attorney or a CPA or home inspector termite inspector, whatever it is. Falling back on a team. That's it's trying to find a business partners like trying to find a life partner, and you have to have similar values. Okay. So I that's why I do my homework and trying to make sure that I give you a good referral anyway. So before we went on break, we're talking about why this is the best time of the year to buy because. Motivations high for the sellers prices are lower for you because there's not much activity and also the competition. So imagine if you were given an opportunity to go to the one of the biggest sales around, and you told that you can come in before anybody else because nobody knows about it. Let's pretty much more you're at. So there's a lot of first time buyer programs out there down payment assistance grand programs via a veteran loans USDA loans. There's a lot so. Lender pay mortgage insurance. And so I know enough about I actually should have been a lender instead of a realtor, but not how it turned out the. But I, you know, this is very challenging you need somebody who can be in the trenches with you. If you're a buyer and. You know, and help pull you out and get you that white picket fence and little little puppy in your rose garden and happy with your fireplace. And I'd love to see that for you. And that's a vision. I have her a new buyer that I've got on board right now. S she's a single female. I just looking at this beautiful little house in my mind for her. And that's really what I do. I use my mind's eye. Hey, I'm not third eye blind. I should be a rock band, but I'm not third eye blind. So I can't. So anyway, also one of the things that are really important right now with this happening. We have been kicking up and values in the last ten years. So it's been a long recovery period. Some post crash the crash of the middle class. I gotta get that out there because that's what I was unfilitered declared that as in the middle class has really suffered. And I don't think anybody cares. So anyway, I care so I can't I don't like politics. But you know, what I can't do anything to change anything that's happening or that has happened. The only thing can do is my very best for you in your need. The most important thing about homeownership is your stabilized that thirty year fixed rate, and none of these exotic. Arms and into grew to hand choked everybody, you can be stabilizing. That's the goal. You will lament would rent because what's happened is every year that rentals up whether it's justified or not, and you know, what? And it takes away from your income. So the rent goes up your income gets siphoned away by that rent hike, and guess what? You that every year? So imagine that knowing that that's going to happen every year, and the fact that you don't have stability always have this fear, the sort of Damocles hanging over your head thinking what if my landlord decides to sell what am I gonna kick out? The worst thing that you can do have to relocate and move because you're forced to okay. And there's the have to say special lot. Agreed. I am I'm anoxia. I'm actually an oxymoron, which is better than the regular moron. No offense sending morons out there. But I'm kind of like, okay, I'm going to business is driven by money. But yet I wanna see people stabilized in happy and be able to stop the rent because I want people to be stabilized. There's nothing wrong with that. So if you want somebody like me on.
"san fran mary" Discussed on 860AM The Answer
"What does that mean best position? What the heck does that mean, it means that your God alone? That's not gonna make you moan. And that's gonna have you save and stabilize for the next thirty years. If you behave yourself and don't touch that equity. So that is really more important than going to some of these sites are utilizing some of these services because they have their algorithm, and I had my own them. I answer to of a different drummer. And okay. Let's there I think he was on the cross and these watching over me up in my see open heaven. So I think that's really important because right now, it is a really bad time for people to do business. People are just out there to get your money to grind to you over. And yet you don't have to feel taken advantage of her abuse as a consumer you shouldn't. But you know, I read these reviews myself, I realize we a lot of the things that people complain about with other realtors in disparaging to our realtors, I just wanna make that clear. There are a lot of good realtors out there. But then there are a lot who are operating less than used car salesman and no offense to the used car salesman. I love you guys too. But the point is it's really not the title we hold. But what we hold in our hearts, and in our minds and ethics and responsibility and really. Decency to make sure that we do the business that we're doing correctly. So that we really do for fill our roles what role is at high trust integrity diligence, and I've had a client. I'll tell her story with you. So I got them in the best position possible. I saved them eighteen thousand five hundred dollars that they were gonna pay to the lender for points, which I said absolutely not you're going to find somebody who's going to not charge. You those points and get you the industry that you want. And at that time the interest rate was three percent. They were being charged for. So I help them save a thousand five hundred dollars. I said set that money aside for your emergency, your new furniture, whatever you want. And then I, you know, put it in an offer as embarrassing as it was to help them out. And I did get a slap on the face. The bible says you get slapped in the face turn the other cheek. So I turn the other cheek McLean. Still need this home. And then at the same time they need to close in thirty days. So the story is I got the the home at a great price when they were signing their dogs. They had fifteen thousand dollars in equity. Thank you Marianne. They saved eighteen thousand five hundred dollars and they got their three percent interest rate. So you don't think that the realtor going to bat for you that that's not going to be told in any of these algorithms and all these people that are pushing you number one number one agent. I remember the number one agent is so busy. They don't have time for you. Okay. And that's the reality of it some, but the nice and wonderful story come to full circle. Would that affirmation story that I just told you is that? Unbeknownst to me my clients who put their trust. And may she they said Marian as we heard your voice, we knew we wanted to do business with you. Now that's high trust right there. So you're hearing twenty four karat gold marketing. This is the twenty four carat voice of real estate. They finally told me that through a previous realtor they had lost their good faith deposit. And that hurts. We're talking about thousands of dollars multiple thousands of dollars and for anybody to lose that is really a crime at she should never have to lose any good faith deposit. I heard people say, well, we didn't have any choice that was you know, I it just turned out that way. I'm sorry. That's your money. It's never okay to lose. It, you know. And when I hear that I want to. I want to go after these people. But the point that I'm making is an algorithm and a website is not as important as a realtor like myself who's in front and center is in plain sight, and is telling you he's gonna do right by you. And that's the real deal. That's not fake news. And if you don't believe that then you don't wanna be blessed with my services. So anyway, if you wanna find out more about me, go to my testimonials on San Fran Mary an essay N, F R A and M A R Y A N N dot com. Good at testimonials and you'll find out about me. I don't have hundreds, but it's one hundred percent coming out of my clients heart. What do you want you want fake news or you want fake you want fake reviews? No what Marianne. It's twenty four karat gold marketing. Twenty four karat gold in ten and twenty four karat gold. I want you to get into the best position possible..