Owning Your First Home

Redding Real Estate ~ First Time Buyers ~ Real Opportunity!

With the declining market and dropping prices in home market values, first time home buyers can begin the process of looking to own their first home. With many opportunities within a Buyer’s market, first time home buyers have many options that can help them qualify and buy their first home.

More Affordable Prices–Redding and Shasta County now offer the first time home buyer much more affordable prices in this current market.

Down Payment Assistance Programs (DAP) can help qualifying first time home owners within certain income brackets with assistance in down payment programs. Bill HR3221 will do away with the DAP programs, however a new bill is being introduced to try and save these national, state and local programs. There are bills current that may reverse this Bill.

Seller Concessions can help the the first time home buyer with closing costs. It is not unusual in thi market for buyers to ask the seller for concessions (up to 6%) in non-recurring and recurring closing costs.

New First Time Home Buyer Incentive from the new Bill HR3221 will offer a tax rebate of $7,500 to first time home buyers.

When you own your own home there are additional tax benefits that allow you in most cases to pay less taxes with a tax write off (your mortgage interest). You should consult with your tax consultant to verify how this will work for you.

If you’ve been saving and educating yourself about owning your own home, this may be a good time to begin the process. You will need to work with a Realtor to assess your goals and qualifications and to see if the time is right for starting the process. It is a partnership and requires learning and knowledge of the current market conditions and the matching of your goals to our ability to get you into your first home.

I am Jeanean Gendron and you can reach me at 530 276-7417. I answer my phone. I love working with first time home buyers. Visit our website to learn about Redding and Shasta County Real Estate.

ACTIVE LISTINGS

Shasta County MLS Listings by Price

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Redding and Shasta County’s Total Real Estate Resource

Visit these websites to learn more about Redding and Shasta County Real Estate.

Jeanean Gendron, Your Redding and Shasta County Specialist

TOOLS TO HELP YOU IN YOUR REAL ESTATE GOALS

Search MLS for all Homes in Shasta County ~ Dream Home Finder

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I am Jeanean Gendron, your Redding and Shasta County First Time Buyer Specialist. I love helping first time buyers. Use this site to learn about buying your first home and give me a call so we can talk about your goals.

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Redding Real Estate ~ First Time Home Buyers ~ The How To of Buying Your First Home!

As a first time home buyer in Redding, Shasta County California, you will want to work with a Realtor that can help you understand and simplify the home buying process. There are many things to consider when buying your first home. You will want to identify your needs and goals for your real estate purchase. You will want to work with the right people that can offer you knowledge, expertise and the service you deserve.

Mortgage Consulting and Financing Options

You will want to identify through referrals or through your Realtor’s recommendation a professional Loan Officer that can help you identify the right mortgage product that will meet your needs. They vary from a 30 year fixed mortgage to a solution that might have a 3-5 year horizon and provide you with more use of your money during your first years of ownership. Your Realtor can help with what you will need to do to get pre-qualified and pre-approved for your loan.

Understanding the Home Buying Process

Your Realtor can help you understand all of the critical issues you will need to be aware of. Market value and a Comparative Market Analysis (CMA) on the selected property will help you understand the offer process and the steps to getting your offer accepted for the right price. Determining what your “right price” is will also be part of the process of working with your Realtor. Internet research and listing information will help you in learning market value and previewing properties will help to cement a knowledge of the market and when we identify a “good buy” and that “right priced” property.

Agency Relationships and Agreements

Your Realtor will be helping you to understand Agency and Fiduciary Responsibility. These are terms that are defined by the responsibilities the Realtor has in representing you and your financial welfare in the transaction. Your Realtor will also help you to understand the cooperating agent’s responsibilities and the seller’s responsibilities in the transaction.

Buyer Due Diligence

Your Realtor will support you in the property inspection and due diligence of the intended property. While it is the seller’s responsibility to disclose, it is the buyer’s responsibility to do a through investigation of the property through inspections and documentation research. Your Realtor will help you in finding qualified inspectors to identify any issues that may affect the value of the property. Typically, you start with a home inspection and a pest inspection. After these inspections, you may required additional inspections.

Settlement Services

Your Realtor will help you in the coordination of escrow and in the title process. Identifying and coordinating the closing of escrow on your property will be a process of communication and coordination on the part of the escrow officer and all parties of the transaction. Your Realtor will be keeping you informed and working with escrow and title to ensure a smooth closing.

Owning your first home can be a wonderful and exciting time. We want to help you enjoy the process and have a smooth and safe transaction. The How To of Buying Your First Home is an important aspect of the goal of owning your first home and we want to help you make it easy and pleasant.

Redding Real Estate ~ First Time Buyers ~ Buying Your First Home!

First Time Home Buyers ~ Rental Market Versus Owning Your Own Home.

Move out of the Redding Rental Market and into your own home!

Redding Real Estate for First Time Home Buyers–If you are renting in Redding, Shasta County California you may want to consider the current interest rates as an incentive to purchase your first home. We have a declining market and there are more affordable home available to you now.Our prices are attractive and the seller many times will pay the closing costs.

The Redding Rental Market has it disadvantages from a tax perspective. When you own your own home, you have tax benefits that off set the cost of your home. You will be paying 28% higher payments than your current rent payment. This increase, however is offset by your ability to bring home more money with a higher tax deduction.

Call today and we will send you a list of homes that are available in the $150,000 to $250,000 range and would make excellent first homes and investments. You have a great opportunity to get into the real estate market and own your own home. We can help you get pre-qualified and ready to purchase.

Your First Home is ready for you and you are ready for your first home. We specialize in helping first-time home buyers find their perfect home. Call today and let’s get started working on finding you that “perfect” property. You really cannot afford to let this opportunity pass you by.

Call today and we’ll help you get started in the process of owning your own home! I am Jeanean Gendron, your Redding and Shasta County Specialist. You can reach me at 530 276-7417. I answer my phone.

Shasta County MLS Listings by Price

All Short Sale Active Listings

All Foreclosure Active Listings

Redding and Shasta County’s Total Real Estate Resource

Visit these websites to learn more about Redding and Shasta County Real Estate.

Jeanean Gendron, Your Redding and Shasta County Specialist

Visit these Dedicated Websites for Jeanean’s Listings

www.ForeverSunsets.com

www.13400LarkCourt.com

www.CountryClubLifestyle.com

www.ElegantVictorian.com

www.ChurnCreekHome.com

www.BungalowDelight.com

www.BassPondView.com

www.CloverCreekOakRun.com

How Much Is My Home Worth ~ Search MLS for all Homes in Shasta County ~ Dream Home Finder

Search for Schools in Redding and Shasta County

I am Jeanean Gendron, your Redding and Shasta County First Time Buyer Specialist. I love helping first time buyers. Use this site to learn about buying your first home and give me a call so we can talk about your goals.

If you like what you are reading here, subscribe to my blog and you will be notified by email of new postings. You will receive a confirmation email. Click on the link to confirm your subscription.

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Redding Real Estate ~ First Time Buyers ~ Opportunity In This Market!

Prices have come down and interest rates are attractive. We have down payment assistance programs that may help to get you in a home if you qualify. We have lower prices and good financing available through FHA, CalVet and VA loans.

Very attractive interest rates make this a good opportunity for you to purchase your first home. We specialize in helping first-time home buyers find their perfect home. Call today and let’s get started working on finding you that “perfect” property. You really cannot afford to let this opportunity pass you by. The real estate market is more affordable and interest rates are at very attractive lows.

Buyers that understand a declining real estate market will know that the a home which is in excellent condition, in a good location and priced correctly (just under market value) will not be purchased for a low ball price. These homes are not short sales nor foreclosures and the market value remains stable within the current market . After spending time with your Realtor looking at homes you will begin to have a feel for market value and when the attractive combination of a “good buy” comes together (Price, Condition and Location). Your investment in researching the internet and your local market will help you be knowledgeable about making this very important decision. Once you have identified the area you want to purchase in, become knowledge about this specific neighborhood and the market value of the homes within the specific area.

Short Sale Opportunities–A short sale is a property that is what we call “upside down” in the market. The owner owes more money on the property than the property is worth in the current market. The short sale property will be on the market for less than market value.  This provides opportunity for Buyers in this current market. It is important to understand some important aspects of short sales for your success. A short sale is all about the numbers to the lender. They are most concerned with the bottom line amount of money that they will save or loose on the property. The formula on a short sale is typically 10% below market value. The listing agent on a short sale is looking for the Buyer to come in close to listing price. The lender will not approve the sale unless the offer is within a reasonable range of 10%. The Buyer will also be expected to purchase the property in an “AS IS” condition. They Buyer will also have higher closing costs and be required to purchase the Home Warranty. The sale is subject to the lenders approval. There is opportunity with short sales if listed properly. Working with an experienced Realtor will help you determine the investment opportunity and the market value of the opportunity.

Foreclosure Opportunities–REOs are Real Estate Owned property that have been foreclosed upon. The bank now owns the property. Typically, they will not negotiate or accept offers that are of a “low ball” nature. They will not provide disclosures and the property is generally sold in an “AS IS” condition. Foreclosures vary in terms of what opportunities they present. Working with a knowledgeable Realtor or Real Estate Agent can help you determine the market value for this specific home in it’s current condition. This will help you determine your opportunity. Your own investment in understanding the market will benefit you greatly in correctly investing in REOs. The stronger an offer the more likely the bank will negotiate. An all cash offer, will tend to move the bank on price.

To help our Buyers we list foreclosures and short sales on our websites for your convenience. You can look through the current list of foreclosures and short sales and we can discuss other “good buys” that are on the market and afford opportunity. Call today and we can talk about Redding CA Real Estate and the Great Deals that are available.

Redding Real Estate ~ First Time Buyers Have Great Opportunity in this market at this time!

WE CAN HELP! We provide you our main real estate website for all your Redding Real Estate needs. We also provide a Luxury Market website for those clients looking for Redding Luxury Homes of extraordinary elegance. We also offer the entire Shasta County MLS by Price for you view convenience and we offer for those investors and first time home buyers a website dedicated to short sale and foreclosure listings and information.

SEND FOR A RELOCATION PACKAGE TODAY. CALL AND WE’LL TELL YOU ALL ABOUT OUR AREA.

Call today for a free Comparable Market Analysis (CMA) on your home or your investment property and we can talk about Redding Real Estate.

Jeanean Gendron is a Realtor with Real Estate Professionals, GMAC. I specialize in helping my clients use the internet to buy and sell Redding Real Estate. I help clients with technology tools to sell homes and to help buyers find homes that fit their defined goals. Visit our websites and blog today and learn all about the Redding Real Estate Market and Shasta County, California. You will love it and we will love having you here! Call today, we can help you. Visit our blog today and get the latest real estate news and trends. I always answer my phone. 530 276-7417. Copyright 2008, Jeanean Gendron. All Rights Reserved.

Shasta County MLS Listings by Price ~ Short Sale and Foreclosure Listings ~ Redding and Shasta County’s Total Real Estate Resource

Visit these websites to learn more about Redding and Shasta County Real Estate.

Jeanean Gendron, Your Redding and Shasta County Specialist

Visit these Dedicated Websites for Jeanean’s Listings

www.ForeverSunsets.com

www.13400LarkCourt.com

www.CountryClubLifestyle.com

www.ElegantVictorian.com

www.ChurnCreekHome.com

www.BungalowDelight.com

www.7058MarieLane.com

www.BassPondView.com

www.CloverCreekOakRun.com

Jeanean’s Listings Shasta MLS by Price Short Sales and Foreclosures Redding and Shasta County Real Estate Resource Luxury Homes Waterfront Homes Ranches Horse Property Golf Course Homes

How Much Is My Home Worth Search all Homes in Shasta County Dream Home Finder

Search for Schools in Redding and Shasta County

If you like what you are reading here, subscribe to my blog and you will be notified by email of new postings. You will receive a confirmation email. Click on the link to confirm your subscription.

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Redding CA ~ Homes For Sales ~ How The Federal Tax Credit Works for First Time Buyers!

First Time Buyers have a new incentive to help towards owning a home. We currently have very attractive conditions that should help new buyers enter the market and achieve their goal of owning their first home. There are local Down Payment Assistance Programs and new Loan Programs designed to help you own your first home.

The market current provides and supports opportunity for you:

• Historically Low Interest Rates
• Real Estate is a Reliable Investment ($10,000 dollar investment in Stock Market in a normal market typically nets 12% ROI over 10 years, $10,000 dollar investment in the Stock Market in a bull market nets a 25% ROI over 10 years, and a $10,000 investment in a home in a normal market nets a 100% ROI over a 10 year period. Real estate is a more reliable investment than stocks. Source: NAR
• It’s a Buyer’s Market–Plenty of Supply and Little Demand
• The Buy Smart Time–typically a good time to buy a home is when the market is recovering.
• Rates are back where they were at historically lows to make mortgage payments affordable.
• There is a wide selection of houses which is good news for buyers when they have good home to choose from.
• Homeowners in it for the long term nearly always come out ahead when building wealth.
• It is a good time to take advantage of the strong local economy.
• Home sales have slowed giving buyers the advantage.

Additionally, the Government is offering a $7,500 tax credit for First Time Home Buyers!

Who is eligible? The $7,500 tax credit is available for first time home buyers only. The law defines a first time home buyer as a buyer who has not owned a home during the past three years. All U.S. citizens who file taxes are eligible to participate in the program.

What Type of Homes Qualify? All homes within the U.S., whether single-family, town homes or condos will qualify. There are conditions. The home must be used as a primary residence, and the buyer has not owned a home in the prior three years. The tax credit includes newly constructed home.

If you are thinking of buying your first home, now may be a very good time to learn about your options. Visit our website for dates for First Time Home Buying Seminars or call me to register for the seminars or for details on how you can begin getting started in this process. The time is good and there is a deadline (July 1, 2009 for this tax incentive)….so call today and let’s get started.

I love helping first time home buyers.

I am Jeanean Gendron, your Redding and Shasta County Specialist. You can reach me at 530 276-7417. I answer my phone. Visit our website to learn more about Redding and Shasta County Real Estate.

Jeanean’s Listings Shasta MLS by Price Short Sales and Foreclosures Redding and Shasta County Real Estate Resource Luxury Homes Waterfront Homes Ranches Horse Property Golf Course Homes

How Much Is My Home Worth Search all Homes in Shasta County Dream Home Finder

Search for Schools in Redding and Shasta County

If you like what you are reading here, subscribe to my blog and you will be notified by email of new postings. You will receive a confirmation email. Click on the link to confirm your subscription.

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There are a number of incentives currently to help First Time Buyers consider owning their first home. With the 2008 Housing Stimulus Legislation and the Tax Credit established for First Time Home Buyers buying between April 9, 2008 – July 1, 2009. The window of opportunity is small.

With the additional of Down Payment Assistance Programs locally supported by the Cities of Redding, Anderson and Shasta Lake and the declining market values in our local area, all these elements combine to provide attractive opportunity for First Time Buyers.

The $7,500 tax credit it available for First Time Buyers only and is defined as a Buyer who has not owned a home during the past three years. You must be a U.S. citizen. The home must be used as a principal residence.

Home Buyers who file as single or head-of-household taxpayers can claim the full $7,500 credit if their adjusted gross income (AGI) is less than $75,000. The price of the purchased property must be $75,000 or more to receive the full credit, otherwise the tax credit would be 10% of sales price.

For married couples filing jointly, the income limit doubles to $150,000. Single or head of household taxpayers who ear between $75,000 and $95,000 are eligible to receive a partial first-time home buyer tax credit.

Married couples filing jointly who earn between $150,000 and $170,000 are eligible to receive a partial first time home buyer tax credit.

The credit is not available for single taxpayers whose AGI is greater than $95,000 and married couples filing jointly with an AGI exceeding $170,000.

The tax credit is an interest-free loan that must be repaid over 15 years The minimum payment must be 15 equal annual installments. An example would be $7,500 tax credit would be $500 each year for 15 years. A Home Buyer must begin repaying the the loan two years after claiming the tax credit.

If the Home Owner sells the home for a profit and there is a remaining credit, then the homeowner is required to repay the remaining credit during the tax year of the home sale.

If you would like to learn more about owning your first home and taking advantage of the programs available to help you own your first home, we will be offering First Time Buyer Seminars. Call for details and registration. I would also be happy to talk with you about the programs available to you.

You can also find more information at www.federalhousingtaxcredit.com or www.irs.gov . This information is provided for general awareness only and is not intended for the purpose of providing legal, accounting, tax advice of any kind. Please consult with your tax professional for complete details.

I am Jeanean Gendron, your Redding and Shasta County Specialist. You can reach me at 530 276-7417. I answer my phone. Visit our website to learn more about Redding and Shasta County Real Estate.

Jeanean’s Listings Shasta MLS by Price Short Sales and Foreclosures Redding and Shasta County Real Estate Resource Luxury Homes Waterfront Homes Ranches Horse Property Golf Course Homes

How Much Is My Home Worth Search all Homes in Shasta County Dream Home Finder

Search for Schools in Redding and Shasta County

If you like what you are reading here, subscribe to my blog and you will be notified by email of new postings. You will receive a confirmation email. Click on the link to confirm your subscription.

Enter your email address:

Delivered by FeedBurner

Redding Real Estate ~ First Time Buyers Have New Opportunity!

Prices have come down and interest rates are attractive. We have down payment assistance programs that may help to get you in a home if you qualify. We have lower prices and good financing available through FHA, CalVet and VA loans.

Very attractive interest rates make this a good opportunity for you to purchase your first home. We specialize in helping first-time home buyers find their perfect home. Call today and let’s get started working on finding you that “perfect” property. You really cannot afford to let this opportunity pass you by. The real estate market is more affordable and interest rates are at very attractive lows.

Buyers that understand a declining real estate market will know that the a home which is in excellent condition, in a good location and priced correctly (just under market value) will not be purchased for a low ball price. These homes are not short sales nor foreclosures and the market value remains stable within the current market . After spending time with your Realtor looking at homes you will begin to have a feel for market value and when the attractive combination of a “good buy” comes together (Price, Condition and Location). Your investment in researching the internet and your local market will help you be knowledgeable about making this very important decision. Once you have identified the area you want to purchase in, become knowledge about this specific neighborhood and the market value of the homes within the specific area.

Short Sale Opportunities–A short sale is a property that is what we call “upside down” in the market. The owner owes more money on the property than the property is worth in the current market. The short sale property will be on the market for less than market value.  This provides opportunity for Buyers in this current market. It is important to understand some important aspects of short sales for your success. A short sale is all about the numbers to the lender. They are most concerned with the bottom line amount of money that they will save or loose on the property. The formula on a short sale is typically 10% below market value. The listing agent on a short sale is looking for the Buyer to come in close to listing price. The lender will not approve the sale unless the offer is within a reasonable range of 10%. The Buyer will also be expected to purchase the property in an “AS IS” condition. They Buyer will also have higher closing costs and be required to purchase the Home Warranty. The sale is subject to the lenders approval. There is opportunity with short sales if listed properly. Working with an experienced Realtor will help you determine the investment opportunity and the market value of the opportunity.

Foreclosure Opportunities–REOs are Real Estate Owned property that have been foreclosed upon. The bank now owns the property. Typically, they will not negotiate or accept offers that are of a “low ball” nature. They will not provide disclosures and the property is generally sold in an “AS IS” condition. Foreclosures vary in terms of what opportunities they present. Working with a knowledgeable Realtor or Real Estate Agent can help you determine the market value for this specific home in it’s current condition. This will help you determine your opportunity. Your own investment in understanding the market will benefit you greatly in correctly investing in REOs. The stronger an offer the more likely the bank will negotiate. An all cash offer, will tend to move the bank on price.

To help our Buyers we list foreclosures and short sales on our websites for your convenience. You can look through the current list of foreclosures and short sales and we can discuss other “good buys” that are on the market and afford opportunity. Call today and we can talk about Redding CA Real Estate and the Great Deals that are available.

Redding CA Buyers Have Great Opportunity in this market at this time!

WE CAN HELP! We provide you our main real estate website for all your Redding Real Estate needs. We also provide a Luxury Market website for those clients looking for Redding Luxury Homes of extraordinary elegance. We also offer the entire Shasta County MLS by Price for you view convenience and we offer for those investors and first time home buyers a website dedicated to short sale and foreclosure listings and information.

SEND FOR A RELOCATION PACKAGE TODAY. CALL AND WE’LL TELL YOU ALL ABOUT OUR AREA.

Call today for a free Comparable Market Analysis (CMA) on your home or your investment property and we can talk about Redding Real Estate.

Redding Real Estate ~ First Time Buyers and the Traditional Value of Owning Your Own Home.

The Boom of 2005 was based on prosperity and a desire to have our dreams come true. A time when we wanted bigger and more beautiful homes. Greed had a part to play, but from who? Greed on pretty much all levels. Greed from banks and lending institutions, mortgage brokers and real estate professionals. It also included the consumer using their homes as ATM machines for purchases of RVs, boats and other toys. It included the government with deregulation. It included a “get quick rich” attitude from the consumer that I can make more money by leveraging my home to buy more real estate. It was a get rich quick scheme and it worked for some and for some it proved to be disastrous. It was not a bad strategy but a strategy that could not sustain itself. Greed is a hard word to use, however when we look back we have to accept that aspect of what occurred.

What will owning a home in the future be like? The answer comes from the generation before us. It comes from a conservative perspective. It come from a more traditional basis. It stems from a need for shelter, security and long term investment that can eventually contribute for retirement. It provides a tax deduction that can help families afford their homes and to move towards savings for college and retirement. We will be returning to the traditional values of owning a home.

That is not a bad thing and while we go through the withdrawal of having been on a high, we can support those people that are making a new beginning. A smaller footprint will be the way of the future for the next 10 years. It will not happen over night and recovery will take time. Helping those people in a position to take steps to returning to traditional values of home ownership is where our market is.

Adapt and understand the new market and the opportunity that will exist for Realtors as they help millions transition to this new trend. We have work to do in helping our clients adapt. It’s a good thing.

Jeanean’s Listings Shasta MLS by Price Short Sales and Foreclosures Redding and Shasta County Real Estate Resource Luxury Homes Waterfront Homes Ranches Horse Property Golf Course Homes

How Much Is My Home Worth Search all Homes in Shasta County Dream Home Finder

Search for Schools in Redding and Shasta County

If you like what you are reading here, subscribe to my blog and you will be notified by email of new postings. You will receive a confirmation email. Click on the link to confirm your subscription.

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Buying an REO (Real Estate Owned) or foreclosure property can be an opportunity or a bad experience. If you are considering the purchase of an REO you should be aware of several aspects of how they work. The bank usually list the property with an agent that specializes in listing REOs. They are given the specifications of the listing conditions and are usually dictated to by the bank.

No one thing can be generalized about and this as all other things are not always the case. Some agents build a good relationship with the bank and can manage to operate within a range of allowance and judgment in helping the bank get the property sold. Some agent are, however not that fortunate and are bound by the conditions the bank dictates. Most buyers believe that there will be room in the price.

If the listing agent has priced it correctly, there will not be much room for negotiation. If you are an all cash buyer, then that changes somewhat. The buyer will not receive any disclosures regarding the condition of the property and the bank normally will not pay for any repairs and that includes Section 1.

Once your offer is submitted, you are normally given a counter offer that takes away most of your rights in the State of California Residential Purchase Agreement.

The California Residential Purchase Agreement is a very good document that has evolved over many years to fairly protect the buyer and the seller in a transaction to sell real estate.

Because the banks have at their disposal the legal means to construct these counter offers, they often times take away many of the built in safeguards for the Buyer. Another thing to be careful about is whether the bank will allow you to use a local title company so that you can accurately predict what your closing costs will be. They will sometimes identify a specific title company out of the area and if they do….be adamant about what your closing costs will be. The costs can be different by several thousand dollars.

Use a good Realtor and have them help you determine if the REO is going to be a good buy. Sometimes, after all the repairs have been made, you may have been better off looking for a regular resale home. Good bargains are out there in this category, as well.

I am Jeanean Gendron, your Redding and Shasta County Real Estate Specialist. You can reach me at 530 276-7417. I answer my phone. Visit our website to learn more about Redding and Shasta County Real Estate.

Jeanean’s Listings Shasta MLS by Price Short Sales and Foreclosures Redding and Shasta County Real Estate Resource Luxury Homes Waterfront Homes Ranches Horse Property Golf Course Homes

How Much Is My Home Worth Search all Homes in Shasta County Dream Home Finder

Search for Schools in Redding and Shasta County

If you like what you are reading here, subscribe to my blog and you will be notified by email of new postings. You will receive a confirmation email. Click on the link to confirm your subscription.

Enter your email address:

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