Government Encouraging Loan Modifications

This federal government is encouraging banks to do more loan modifications to help homeowners stay in their homes longer. Lower payments will give the homeowners more control over the money that is coming out of their pockets. This means that home owners can breath a litter easier, and gear up to spend more on xconfort items, needed appliances and gifts, as we approach the holiday season. Tip for realtors: Start helping existing buyers look for short sale properties. let them know that Short Sales can take up to 6 months to close. So prepare your buyer's for the emotional let down, if they are looking for the $8,000 Tax credit this year... unless it gets extended.

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Alane Quien Realtor/Financial Advisor Prudential California Realty 1101 Sylvan Ave Ste A-7 Modesto, CA, 95350 Uinted States of America	Work: 209-758-3101 Mobile: 510-258-4371 Fax: 209-526-0967 aquien@prucalifornia.com http://sites.google.com/site/todaysrealestatetrends
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It's Still a very good time to buy that great piece of Real Estate!

Hey the time has never been better to buy than right now. If your not working with a realtor then you should be. The market is in a quiet stable right now so jump in before it goes higher. If your not ready for financing you should be working on your credit scores and making yourself look attractive to the lenders. But more importantly start an agressive savings plan. You want to put as much equity in the pot as you can. Friends its really up to you. Get started today and do something great for your financial future. Create your own stimulus package!

check out this great information on YouTube:http://www.youtube.com/watch?v=MM060Cjo3_Q

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Alane Quien Realtor/Financial Advisor Crosby and Associates Realty 2021 73rd Ave Suite B Oakland, CA, 94621 Uinted States of America	Work: 209-389-4096 Mobile: 510-258-4371 Fax: 510-217-5967 alane_quien@yahoo.com http://sites.google.com/site/todaysrealestatetrends
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Judge throws out RESPA rule challenge

Inman: Judge throws out RESPA rule challenge
07/31/2009
Unless Congress says otherwise, mortgage brokers will have to disclose rebates paid by lenders and credit them against borrowers' closing costs beginning Jan. 1, following a judge's dismissal of a trade group's lawsuit challenging the new rules

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Alane Quien Realtor/Financial Advisor Crosby and Associates Realty 2021 73rd Ave Suite B Oakland, CA, 94621 Uinted States of America	Work: 209-389-4096 Mobile: 510-258-4371 Fax: 510-217-5967 alane_quien@yahoo.com http://sites.google.com/site/todaysrealestatetrends
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Foreclosures stabilize in key states

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San Diego Union-Tribune: AP analysis: Foreclosures stabilize in key statesBy Mike Schneider and Chris S. Rugaber08/03/2009Foreclosure rates in three states hit hardest by the housing downturn – California, Arizona, and Florida – stabilized in June, according to The Associated Press’ monthly analysis of economic stress in more than 3,100 U.S. counties.

Alane Quien Realtor/Financial Advisor Crosby and Associates Realty 2021 73rd Ave Suite B Oakland, CA, 94621 Uinted States of America	Work: 209-389-4096 Mobile: 510-258-4371 Fax: 510-217-5967 alane_quien@yahoo.com http://sites.google.com/site/todaysrealestatetrends
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California Association of Realtors Mortgage Protection Program

C.A.R.H.A.F. Mortgage Protection Program

C.A.R. recently launched a new program that provides additional security for first-time homebuyers. The C.A.R. Housing Affordability Fund’s Mortgage Protection Program can provide first-time home buyers who lose their jobs due to layoffs up to $1,500 per month, for six months, to help them make their mortgage payments.

For questions about the Mortgage Protection Program please call Alane Quien at: 510 258-4371 cell (209)389-4096 hm/office

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Alane Quien Realtor/Financial Advisor Crosby and Associates Realty 2021 73rd Ave Suite B Oakland, CA, 94621 Uinted States of America	Work: 209-389-4096 Mobile: 510-258-4371 Fax: 510-217-5967 alane_quien@yahoo.com http://sites.google.com/site/todaysrealestatetrends
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Palin begins life as a private citizen

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This is a very good sign for former Govorner Sarah Palin, A dynamic and vibrant woman.

Sarah Palin as Future Leader?.... Very doubtful!

I know that many people are looking to former Alaskan Governor Sarah Palin as a potential future presidential candidate for the United States, but I am very doubtful that she will arrive at that position.

My opinion is, that although she is a dynamic woman, a pioneer, capable of leading, a strong role model and determined. The presidency is a job that she will not fulfill. Let me say this again, not because she is not capable of leading. Its because our country is on a collision course with destiny.

The America that will emerge in 2012 is an America non of its citizens will have ever seen or even imagined could be possible. It will be adifferent animal alltogether. Will there be women in the new America in key leadership roles? of course, will the new America allow a capable woman to run the county? of course not!

America began with a group of dedicated Christians who fled England for spiritual freedom to practice their religion as they saw fit. That religion was rooted in Judaic beliefs of Ancient Israel and the G-d of Israel. But America does not practice the religion of the founding father's, in the political arena today. But instead practices the religion of secular humanism, paganism and polytheism. And you can best believe that the Muslim religion is on the rise in the United States and will become a dominant religion here. With these factors weaving there way into our society. Sarah Palin and many other G-d fearing American's in the political field will be up for an awesome fight in 2012.

If Sarah Palin pursues the path of presidency, may G-d give her strength! My advice to Sarah Palin, enjoy your family, write a book, you are already creating a tremendous legacy!

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Buying a Home Before Summer Ends!

"California housing Finance Agency" has a new round of funding so its a good time to check them out! First time home buyers only sorry. Go to CALHFA site at: http://www.calhfa.ca.gov/

More Info on the President's Stimulus and CALHFA

The President’s Homeowner Affordability and Stability Plan has two components:
The Loan Modification
The Refinance
If you currently have a CalHFA loan, please see the information below.
LOAN MODIFICATION
Due to obligations to our bondholders and investors, CalHFA cannot effectively participate in the President’s Homeowner Affordability and Stability Plan. CalHFA borrowers, however, may be eligible for CalHFA’s Loan Modification Program; for more details, please see our Loan Modification Program page.

REFINANCE

CalHFA loans do not qualify for the refinance portion of the President's Stability Plan because those loans must be held by Fannie Mae or Freddie Mac.
CalHFA is an investor, not a lender and cannot make loans directly to borrowers. To refinance, please contact a lender in your area.

Todays Real Estate Trends Free Information
Free information site at: http://sites.google.com/site/todaysrealestatetrends
To those who are buying investment only, prices are lowering especially if you are willing to buy outside the Bay Area! Contact me today at: alane@crosbyassociatesrealty.com

Get Started before Summer is over!

Creating your family stimulus and restructoring yourself Financially

Ok so we have all read how the larg banking houses have received tax payer funds to stimulate their businesses and restructure their companies. some have fallen away while others were absorbed.

How can you as an ordinary citizen and funder of the bailout benefit too? This is the time for families to come together and think oustide the box. There are goverment grants and funds available to anyone who is willing to do the research and footwork to apply and go after thaose funds. But don't expect the information to just jump out at you. It will reguire a lot of research. or you can hire a professional company to do the work and research for you for a nice hefty fee.

My encouragement to anyone who feels a little trapped by the current economic conditions it to get started with a personal, family and business plan. Take control of your life and start managing your self to acheive a better outcome for your personal future.

contact me at: http://www.google.com/profiles/Alane.Quien