Saturday, July 30, 2011

Short sale or foreclosure?

Short sale or foreclosure?
Sometimes it's not that clear...
Know your options!

Review your options and then decide - Can you afford to stay in your home making the payments on the mortgage and all the other expenses you have? Consider if a comparable home can be rented for less than you pay now and remember renting will not have the added costs of taxes, HOA fees, maintenance, insurances etc . etc. In MOST cases - you can rent a home for FAR LESS than what it will cost you to stay in the property. Even if the economy recovers quickly and the markets start to see value increases, your home's value may take 4, 6 even 10 years before you have equity again. Can you carry that expense and burden for YEARS just to get even? Do you want to? If you are faced with economic hardship, ill health, excessive debt or just tired of the struggle to stay afloat a Short Sale may be your answer. Let me help you personalize this decision with a NO OBLIGATION analysis of your situation and you can then make an informed decision if this might be right for you.

Prudential California Realty
For more info/details on this and other properties,
Visit Us on the web

Thursday, July 28, 2011

Need a short sales specialist?

Can't make the Payments?

Owe More than the value
of your home ?

Loan Modification going
nowhere ?

Have you been notified of default and are facing a ticking clock to foreclosure?

My No Cost or Fee Short Sale May Be Your Solution! In fact I have been successful getting my sellers $3,000 even $5,000 to move and months to remain in your house rent and mortgage free.

If so, know that you are not alone! Thousands of homeowners in Southern California are facing the same challenges as you. You need help, expert guidance, and someone who understands the difficult choices you are facing about your home and your family. As an Orange County short sale realtor we provide homeowners FREE information and assistance with avoiding foreclosure, explaining the effects it can have on you and your family, and offering other options that may be available to you.

Prudential California Realty
For more info/details on this and other properties,
Visit Us on the web

Thursday, July 21, 2011

It's Not Always About Home Prices!

Buyers who wait for the market property values to decline run the very obvious risk of paying more annualized if rates increase. If rates go up a simple 1% buyers who were qualified for a $600,000 will now only qualify for a $550,000 home. Hoping values decrease by another 10 or 15 percent is a big chance to take. Historically rates are higher than today and many financial companies estimate the rates at 6.5 by year end. BUY NOW while there is a good inventory.

Prudential California Realty
For more info/details on this and other properties,
Visit Us on the web

Tuesday, July 19, 2011

The Impact of Credit Scores

A short sale and a foreclosure are seen as the same in terms of a credit score. Both will lower the score initially 100-150 points depending where the score originally started. Being late 30 days on a house payment can cause the score to drop 100 points. Under all scenarios, the higher the original score the larger the initial point drop. While the scores may be the same for both a foreclosure and a short sale, Fannie Mae sees someone with a short sale as a better credit risk. Financing is available after 2 years on a short sale as opposed to 5-7 years after a foreclosure. In some cases, borrowers can get a higher credit score in just a few months and climb back to a good score depending on how the short sale is reported to the credit bureaus. After 7 years the foreclosure or short sale drops off the borrower’s credit file. Please feel free to contact me for advice, questions or anything else that you may need.

Prudential California Realty
For more info/details on this and other proprties,
Visit us at our website

Saturday, July 16, 2011

Investment Property

  • Investment Opportunity!
Great opportunity for a first time or investment buyer! Come and check out this very clean 3bed, 2 bath, 1,189 sq.ft townhome in San Juan Capistrano. Amenities include: 2 car attached garage with great storage and built in shelving, pergo floors throughout downstairs, newer paint, scraped ceilings,wood shutters, brick fireplace in living room, and vaulted ceiling in the upstairs bedroom. Community is located on the bike/walking path to Doheny state beach and ride or walk to the harbor and beaches. Boat/RV storage, pool and spa add to the benefits of the wonderful community!

26261 Via Mistral, San Juan Capistrano
DRE #01038564
Offered at $279,000 MLS S665402

Thursday, July 14, 2011

Offered at $379,000
MLS S665532
120 Nantucket Lane, Aliso Viejo
Outstanding detached 3 Bedrooms, 2 1/2 baths 1,492 Sq. Ft. condo
in highly desirable neighborhood of Aliso Viejo. Bright and open
floor plan. Perfect family neighborhood include association pool,
spa, and great schools. Close to everything!
If your property is currently listed please ignore this advertisement as it is never our intention to solicit an agents listing. DRE #01038564

Prudential California Realty
For more info/details on this and other proprties,

Tuesday, July 12, 2011

Short Sales vs. Foreclosures

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Tell me...What is a Short Sale?

First of all - unlike its ISN'T short. It can and probably will take several months 3-5 is the current average. The 'short' refers to the fact that when there isn't enough equity or ANY equity in a home sellers can ask the existing lender(s) to accept an amount "Short" or less than the amount owed to allow the property to be sold. Almost always -a lender would rather accept a settlement today with a Short Sale than proceed to a foreclosure. Why? Lenders accept short sale pay-off nearly the full value of the property and if they foreclose...which can take months and legal fees, they are then on the hook for all the same expenses they have agreed to pay for the short sale but now need to carry the home for many months if not years in a declining market. Even when the lender finally has the freedom to sell a foreclosed property, they must pay nearly all of the same fees and expenses they would have incurred on the short sale but the property may be worth less.

Learn more about short sales here.

Sunday, July 3, 2011

Negotiating Short Sales Secrets

*** Short Sale Negotiator Secrets***

We know THE secrets to successfully short sale your home!

Unless a home has already been foreclosed, it is almost

NEVER too late to stop foreclosure.

Reasons to do a short sale:


  • Prevent additional damage to your credit

  • It doesn’t cost you any money – it’s FREE

  • You are eligible to buy another home much sooner compared to a foreclosure

  • You don’t have to pay rent during short sale process – you still live in your home for FREE ANOTHER 3-12 MONTH

The Robyn Seymour Team

Call Today! 949-240-7505 or

CA License# 01038564

Saturday, July 2, 2011

Strategic Short Sales Work!
Robyn Seymour has had every short sale approved
20% of our listings have been strategically short sold over the past 4 months!

What is Strategic??? No hardship, money in the bank....You can afford the payments,
but the property is worth less than the mortgage???
Strategic or not,
live for 3-6 months with no payments and $3,000-$5,000 to help you move.

Call Robyn @ 949-240-7505!
Visit Us On the Web
CA License #01038564

Friday, July 1, 2011

Take advantage of the season!

This is the PEAK selling season for real estate and even in this economy we are seeing buyers make the choice to take advantage of the lowest interest on record and 40-50% drop in values over the past few years… Makes perfect sense! If values drop another 10% (which they may in some price points) but interest climbs only 2% which it has been predicted to happen before the end of the year… buyers can lose tens to hundreds of thousands of dollars in purchase power for a very moderate decrease in value. (see the chart) Long term interest will offset any price reduction so buyers are willing to buy now!

So if you are thinking of buying or selling… Call me TODAY! 949-240-7505
Talk to you soon! Robyn