Tag Archives: Realtors in San Diego county

Loan Modifications: Are they really working? LOOK NO FURTHER SoCal!

People here in Riverside, San Bernardino & San Diego County, California and elsewhere are still trying to do modifications and are looking for help in order to keep their home.

loan modificationsWhere do you go? Calling the servicer who holds your Mortgage is a start, but what do you say? Saying the wrong thing or going through the process without getting counseling beforehand will most likely make the task extremely daunting, let alone cause you to fail and not keep your home. Calling one of the many solicitations you get in the mail, on television, or the internet that says they will help you can also be a mistake for fear of being swindled out of $1000’s, even by an attorney no less, who supposedly has a track record of many, many successes?

Calling a non-profit organization that is free is definitely a better way to start, however if some charge a fee, they are not a nonprofit and this will leave you with that feeling of oh-oh, I got swindled again, I am just going to give up!!

I suggest you talk to someone who has personally gone through the process successfully, who is a licensed real estate agent, and will not charge anything for the advice. I know you’re asking “why would anyone want to spend time with me unless they are making a fee?”  Or you say “I prefer to pay a fee or work with this or that company because they helped someone I know”…but they didn’t get the ultimate results (which I will talk about later). Or, what if you go talk to an agent who says he has experience, but really doesn’t–or what if they really want to just get the listing and sell your home as a short sale?

Whoa, what if you knew someone who would and did go through the process successfully, is a licensed real estate agent and doesn’t charge anything, then explains the reason why they wouldn’t charge you anything was because they will base their results on future business from you for having succeeded with you as the basis to forge a lifelong relationship with you as your real estate agent for life? What if I told you that I personally had over $120,000 in loans on my property forgiven and received an interest rate on my property of 2% with incentive money from the government to pay down my principle that was left on the existing mortgage on a monthly basis?

For those of you who live outside of Southern California, I suggest call me for personal direction. For those of you out there in process or starting a modification in Riverside, San Bernardino, & San Diego County, CA, I urge you to call me faster than your fingers can dial!! Thanks for reading and God Bless!

John A Silva (R)


Five real estate tasks best done early

While I’m a big proponent of avoiding premature real estate moves, there are a number of tasks that are best done before you think they need to be. These are things that tend to take longer or often turn out to be more complex than people plan for.

Please, give me a call if I can help you in your home shopping process in any way! (619) 890-3648

1. Check your credit. Everyone knows that you should check your credit, or have your mortgage broker do it, some time before you get ready to start house hunting. What people fail to factor in are the real-life turnaround times on rehabbing your credit in the event there are errors, fraudulent entries, balances you need to bring down, or trade lines (credit accounts) you need to build up in order to qualify for a home loan.

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New Listing: 9212 Charlton Oaks Drive, Santee

New Listing in Santee, CA

Cosmetic fixer has 1 car garage, plus 2 parking stickers for 10 open spaces, 2 bedrooms and full bath upstairs, plus balcony off Master BR, 1/2 bath downstairs. Full size laundry closet in patio. $250 HOA fees include water. Close distance to Santee Recreation & Lakes and Carlton Oaks Country Club. Short Sale.

Please contact me for more information or to schedule a showing at this listing! (619) 890-3648 – John A Silva

Just Sold! Two Listings in San Diego County

Just Sold | Oceanside home — represented sellers

Location, Location, CONDITION!! Fabulous Handicap Friendly upgraded home with a view at end of cul de sac with only one close neighbor. New copper plumb w/fixtures, water heater, carpet, MB tile, kitchen counter top w/sink, Stainless steel Frigidaire Gallery apps. Complete new paint inside/out.  This new star of the street has new landscaping in front and upgraded irrigation thru-out.Traditional sale/equity sale rivals new construction a mile away, but at a huge discount & has has NO Mello Roos/HOA fees!!

Just Sold | San Diego home — represented buyers and sellers

Rarely available single level 2nd, middle floor unit needs TLC. Large balcony with park-like view and view of Qualcom Stadium for fireworks. 1 car carport space only. Short Sale

10 DIY projects to sell your home faster

Paintbrush | Photo by Alan Cleaver

Photo by Alan Cleaver

“With the troubled housing market of the past five years and banks still reluctant to lend, its no wonder homeowners hoping to sell are sitting on the market for months at a time. Buyers, meanwhile, are trying to find a balance between their dream home and one that’s affordable.

For those trying to sell a house, what are some quick and easy DIY projects that can help sell your home faster? We asked experts to share step-by-step instructions for completing projects bound to modernize your home, from resurfacing cabinets to eliminating home odors to re-caulking bathroom grout.

1. Create a welcoming entrance
If you don’t immediately impress potential buyers as they enter the home, you’re setting yourself up for a tough sell. Creating a welcoming entrance is arguably the most effective way to sell your home faster…

2. Mulch
Applying mulch to your front and back yards is another inexpensive way to make your home more appealing to buyers…

3. Eliminating odors
You may not notice odors in your home, but prospective buyers will…

4. Resurfacing cabinets
Replacing your cabinets is undoubtedly a major expense and will likely require a professional to complete. Resurfacing your cabinets is a cost-effective way to spruce up your kitchen, though…”

Read the rest of this article by Yahoo! Homes here: “10 DIY projects to sell your home faster”.