Home Owners in Temecula…You are AWESOME! You Make A Difference!

There’s a story rolling around the internet these days about a High School teacher who started a class Students with Blue Ribbonsproject of telling each student how they had impacted her life.  She then gave each of them 4 blue ribbons with gold letters reading “Who I Am Makes A Difference.”  The students were instructed to keep one of the ribbons and to tell one other person how they had impacted their life and to give them the remaining ribbons with the instructions to pay it forward (do the same for someone else.)

Student Handing ribbon to executiveOne student gave his extra three ribbons to a junior executive in a nearby company who had helped him with his career planning.  The executive in turn gave his two extra ribbons to his boss, who was a very difficult man to work for, but the executive recognized his intelligence as a businessman and told him of the positive influence he’d had, calling him a “creative genius.

Father handing ribbon to sonThe business owner was moved by the experience and decided, since he had’t had much time with his teenage son recently, to give his extra ribbon to his son.  He told his son that he realizes how busy he’s been and that he’s been treating his son like an employee, never seeming to be satisfied with his performance.  He said he just wanted to take a moment to honor his son and tell him how much he matters.

The son broke down and wept.  Gun and Suicide NoteThe father, not understanding, asked what was the problem and the son told him he didn’t think anyone cared about him.  He then went to his bedroom and brought out a suicide note and a gun.  He handed them to his father and said he had planned to use the gun that night “…but now I don’t think I’ll be needing them.”

Now it was the father’s turn to break down.

The business owner was never the same again.  He began treating everyone with respect and made it a point to honor his employees and his family, and to let them know how much they matter to him.

Now, we’re passing these blue ribbons on to you.
Blue Ribbon with gold letters
Have an awesome day, Temecula…and if you are in any kind of housing distress, just be aware that it doesn’t say anything about you.  You are awesome no matter what.


Home Sales Not Helped by Federal Policy

Buying property through a Trust Conveyance, “Subject-To” the existing loan, or via a similar tactic with a new name, “Mortgage Assignment” seem to hold promise for a sagging housing market in which sellers cannot sell and buyers cannot qualify through the banks’ new rigors.  It’s been said that in today’s economy, a homeowner’s loan may be worth more than the property itself because buyers recognize that paying more than market value for a home (by taking over the mortgage payments) may be the only way they will be able to buy at all, and “Anyway…” they are told, “prices will soon be going up and your home will be worth more than you paid for it even at an inflated price.”

But, is there a danger? Prior to 1982, a homeowners in California had protection from lender interference in a Real Estate transaction, even if it involved the new buyer assuming responsibility for the existing mortgage payments.  Lenders were allowed to interfere with a transaction only when it was necessary to protect the lender’s security interest.  In 1982, these protections were superseded by a new federal policy (driven by lender lobbies) allowing lenders to add the infamous “Due On Sale” clause to every mortgage note.  Specifically this clause states that when the property is transferred to a new owner, the lender may call the loan due in full, without cause, and to foreclose on the property if it is not fully paid in 30 days.   This means that lenders now are motivated to make the decision based on what is most profitable for the bank without regard to the buyer or seller situation, stability or the security for the loan.

This clause has, and will continue to discourage Real Estate sales and the recovery because it injects a level of extreme uncertainty and risk for everyone involved.*  Or does it? Ask almost any Real Estate Investor and you’ll be told that “The banks just don’t do that…” and they may cite hundreds of transactions over many years in which it wasn’t done. BUT, the fact is, the banks do sometimes call these loans due, when it is in their best financial interest to do so.  Duncan Wierman, one of the top Real Estate Investors in South Carolina reports that it has happened to him twice and as a result, he will never do a subject-to purchase again.**  If it makes common sense to believe the banks will not call loans due and trigger foreclosures in a down market, it also makes sense that they will take such action as soon as the properties have equity and/or mortgage rates rise significantly…or just for no apparent reason like so many of the banks’ current choices: unpredictable and frequently counter to any reasonable logic.

Undoubtedly there are circumstances in which these subject-to type strategies pose an acceptable risk, for example in a case where the buyer has a time-frame in which to re-finance out of the existing loan. Nevertheless, we as investors must build our business on as much certainty as possible and using these strategies with impunity could create a “ticking time bomb” that could put you out of business, and maybe in jail.  Just think carefully about what you are doing and consider any alternative that mitigates risk.

For all you who are in any form of housing distress, we can help. If you are trying to sell your home, even if you are under-water, let us know by clicking the “Sell a Home” button at the top of the page.  We have many tactics to solve your problem without putting you and your family at risk.  If you are trying to buy a home and getting nowhere with the banks, go to the “Buy a Home” button above and let us help you.  Again, there are numerous strategies that can be activated so you don’t risk losing your home to some banker’s lack of concern for your welfare.

*http://firsttuesdayjournal.com/the-due-on-sale-clause-barricading-homeowners-since-%E2%80%9882/
**http://www.duncanwierman.com/blog/duncans-opinion/why-is-subject-to-mortgage-assignment-investing-wrong/

Housing Recovery Coming says Warren Buffett

In virtually every investment circle, the name of Warren Buffett captures attention and, even though few of us can take direct action based on his comments…we all think about it.   It seems like just about every few months his investments make news and for the most part, he’s been investing in businesses, and big businesses at that, like his purchase of the Burlington Northern Railroad in 2009.  Well, what’s he bullish on now?  US Housing!  As he puts it, “A housing recovery will probably begin within a year or so.”

Warren Buffett Says Housing to Recover Soon


And, true to form, he puts his money where his mouth is, having just acquired a lead brick manufacturer in Alabama and a $55 million roofing plant in Ohio.

It seems to me that the banks have been holding the housing market hostage for about as long as they are able and pretty soon, the log-jam will break loose.  We wonder about the “shadow inventory” of housing waiting for foreclosure and release to the marketplace…will it cause a deeper decline in values?  a “double-dip”?  Nobody really knows but if it does, it is likely to be short-lived and when the recovery begins, it could accelerate very quickly.  Remember the housing “bubble?”  We all know it was created by over-inflated property values but now it seems things have over-corrected and we have just the opposite of the housing bubble.  When this one pops, market values may take off just as fast as they fell a couple years ago.  If they fell in your neighborhood (and whose didn’t?) then they will rise in your neighborhood.  If you have a chance to buy a home now, in Temecula or in any city, do it.  Do it now!  Again…just my opinion…but one shared (apparently) by Warren Buffett.

If you are looking for ways to invest in the housing market in Southern California, contact us at temeculahomesellers@gmail.com  If we can’t help you, we know someone who can.

Leave a comment…what do you think?  Is Warren Buffett jumping the gun here?  Is he right about the housing market recovery?  If he’s right, will it bring about the economic recovery in general that we are all hoping for?  How does all this effect you?

For more info: http://www.consumeraffairs.com/news04/2011/02/warren-buffett-is-bullish-on-america.html

Federal Government might Shut Down!

The Federal Government is due to be broke (no funds to operate) on March 4th unless a budget can be approved and signed into law by the President. What happens if the US Government shuts down? Nobody really knows. Some agencies and government contractors operating with Federal Funds could have their funding stopped and may not be reimbursed if they do any work during the shutdown. For more information, check out http://www.govshutdown.com

What do you think? Might Temecula home prices be effected? Could this trigger hyper inflation? How could it effect RE Investing in general? Post your comments here…

Seller Financing – STOP RENTING and Buy a Home in Temecula!

Or, for that matter, you can buy a home in Murrieta, Elsinore, or anywhere else in Riverside, San Bernardino and San Diego Counties.

Writing Rent CheckEach month you write a check for rent.  Haven’t you looked at that check every month and thought “At this rate, I could BUY a home!”  It’s amazing how many people are renting and paying up to 30% MORE than a mortgage payment would be in today’s market, hating to do it but feeling stuck, like you have no options.  Well, you do have options that you probably don’t even know about and your window of opportunity may close soon because prices have begun toBad Credit OK creep up in California and around the nation.

Do you think you don’t have good enough credit?  It’s not a problem.  We can help you buy a home even if your credit is shot!  As long as you can qualify with enough income to pay today’s rents, you can qualify for a seller financing deal or a Rent-To-Own deal.

Do you think you don’t have enough down payment to buy a home?  Again, you don’t need much.  Even if you were to move to a different rental, you’d need security deposit, first, and often last month’s rent…and sometimes qualifying for a rental is harder than some of our options for buying! The amount of cash needed for our deals is often not much more than what it would take to get into a rental and you know, if you had to, you’d find a way to come up with that much at least.

Puppy and Kitten Cheek to Cheek in Flower BedWould you like to get a puppy?  Seriously, renting with pets can be a nightmare and in your present location you are likely to have restrictions so you can’t bring a pet in.  If you are buying, pets are not an issue.  We even have property with acreage for a large breed dog, if that’s what you want.

The key question you need to answer is, WHAT DO YOU WANT?  We’ve all heard the positive-thinking gurus say that you can accomplish anything if you want it bad enough.  Well…you’ve wanted a home of your own for a long time (or maybe you’ve just lost a home and are “forced” to rent.)  Now, you don’t even need to want it that much to be able to achieve it.  In today’s market there are numerous home sellers who are in need of solutions of their own and will work with you to make it happen.

So, here’s your assignment to get started:

1. Define the home you want as clearly as you can: how many bedrooms, bathrooms, garage, locations, etc.

2. Add up all your financial resources:
– Cash for a deposit / down payment
– Total Family Income – add it all up so you can determine how much you can afford to pay each month.
– Total outstanding debts.  No matter how you cut it, you need to have enough income to pay your credit card and auto loans in addition to your new mortgage.  If your outstanding debt is too high, we can advise you how to deal with it so you can qualify to buy a home.

3. Recognize who we are.  “Ananda” means the same as “Agape” – Universal Love, compassion.  Ananda Homes is here to help.  For a free, no obligation recorded message about how we can help you, call our toll-free number:
888-853-7980
– Extension 121 (First Time Home Buyer)
– Extension 114 All Others.

4. Go to the”Buy a Home” link at the top of this page, or…
GO TO  http://www.reimatcher.com/Riverside/Ananda

SELLER FINANCING!  SELLER FINANCING!  SELHands exchanging contract for a set of house keys.LER FINANCING!
We have sellers wanting to carry the financing!  No need for bank approvals!   Check it out.  Our online resource lets you decide where you want to buy (move around the map to select the region or zip code you want to live in – ANYWHERE IN THE USA!)  Then let us know how much you can afford and it automatically matches you to the home of your dreams, available with SELLER FINANCING!

Don’t wait!  NOW IT’S YOUR TURN!    http://www.reimatcher.com/Riverside/Ananda

Even a Home in China Can Be Foreclosed While Trying to Sell!

In China, there isn’t a foreclosure problem because most people don’t own a home…they rent from the government.

dai-haifei-egg-house



Well, maybe this architect’s home wasn’t foreclosed.  It’s maybe more accurate to say he was evicted but what’s most interesting is that he lived in an EGG!


That’s right, Dai Haifei, had designed and built a 100% green abode in the shape of an egg.  In China and Japan, small is popular but a home the size of a Honda is a bit too small for anyone who wants to own a home in Temecula, or anywhere in Southern Californa for that matter.  To better sell his home, Mr. Haifei placed his home on the sidewalk outside the office where he worked.  Of course, the city council of Beijing didn’t approve.  Mr. Haifei was required to remove his home from the sidewalk.  He’s now living with friends till he can find a home of his own, or till he can find a better location for his egg.

Too bad he didn’t have someone like us to call who would make a quick cash offer to buy his home :-)

The best part of this story though, is definitely something Californians can relate to…the possibility of having a completely energy independent home.

It is quite possible to do this in the Temecula Valley but your first step is to buy a home now, while the prices are so incredibly cheap.  Once you are a home owner, you can take advantages of the many rebates and tax credits for installing solar, wind and other forms of natural, sustainable energy for your home.

Do you think you can’t buy a home right now?  If you have a stable income and even a small amount of cash for a down payment, you absolutely can buy a home in Temecula, Murrieta, Corona, or anywhere in Riverside County.  We have home owners who need to sell but can’t find buyers who qualify for bank financing.  These homes are available to you on a Rent To Own basis, or in many cases, the sellers themselves are willing to carry the financing so they can sell their home.

If you would like to buy a home before the values skyrocket again, be sure to click on the “BUY A HOME” button at the top of this page or go to http://www.anandahomesellers.com and fill out the free report form.

If you are a home seller and need a solution in a market that seems stagnant, be sure to click on the “SELL A HOME” at the top of the page, or go to http://www.CreativeREadvisor.com and request your free report.  We’ll get back to you right away and we will make you an offer.  We may even give you a cash offer for your home.

Finally, if you have money in an IRA or investments that are not performing, go to http://www.anandapropertyinvestments.com and click the “Contact Us” tab so we can explain how you can get up to 10% interest (and even much more) in what is today probably the safest investment available.
CALL NOW: 888-253-7980
Ext. 1 to sell a home.
Ext. 2 to buy a home.
Ext. 3 for referrals.
Ext. 9 partner and investment opportunities


The New Age of Prosperity for Temecula Home Owners, Sellers, and Investors

I’m working here today, listening to Ry Cooder from a 1974 concert at Filmore West, up in the Bay Area and it reminds me of how much things have changed in California since then.  I first came to San Diego in 1968 as a Navy Recruit.  Not much to say about that except how different things seemed to a homeboy from Minneapolis.  We’d heard of the Hippies, even made fun of them but I never imagined how quickly I’d join their ranks.  We believed in something back then that we don’t hear that much of these days and it’s worth remembering.  Times were tough in their own way.  We were young, but still so sad and angry about what we were doing to the folks in Vietnam…and what they were doing to us.  I remember the peace rallies, the amazing concerts and, yes some of the riots, but through it all was this unrelenting sense of incredible hopeFULness that we all felt every day.

RobopuppyNow, when I look around, we are living in the most incredible of times, with 3D films, HDTV, even 3DTV, home-ownership available to virtually everyone, and conveniences we only dreamed about in the Sixties and Seventies.  In so many ways, we’ve enjoyed forty years of ever-increasing prosperity, especially here in California.  Nonetheless, if anything, what I hear from folks is an incipient hopelessness.

It’s as if most people have such a fear of what’s coming that they can’t see what’s here, and if you really look at what’s here, you can’t help but be filled with enthusiasm for what’s coming!

For one thing, the housing prices have never been more affordable and the chance to become a homeowner in California has never been so great…or so easy!

ProsperityNot only have the homes become affordable but the use of creative financing strategies has reached a new pinnacle of sophistication and ease.  Yeah…we all know the banks are in trouble and are not lending (even it seems to people with the best credit) but that doesn’t mean a thing.  In fact, we may find that the kind of financing strategies we’re using today will be much better for the economy in general than the bank-dominated economy of the past several decades.

In the past, the banks’ incredible wealth (mostly gained through what are now being called fraudulent activities) would stay with the bankers and the Wall Street investors who owned the stock.  Now, that wealth is being re-distributed to private lenders and home sellers who are financing the deals at interest rates well beyond what the banks could charge even if they were lending.

In addition, we all know Real Estate travels through a predictable cycle of value ups and downs.  We know that we’ve hit the bottom for this cycle and in the next few years the values will go up again.  Anyone who can buy now will reap huge gains, even if they have to pay higher interest than the banks are charging (or not charging, since they are not lending!)

If you are looking to buy a home, or currently renting and would like to join us in this new age of wealth creation, be sure to click on the “BUY A HOME” button at the top of this page or go to http://www.anandahomesellers.com and fill out the free report form.

If you are a home seller and need a solution in a market that seems stagnant, be sure to click on the “SELL A HOME” at the top of the page, or go to http://www.CreativeREadvisor.com and request your free report.  We’ll get back to you right away and we may even give you a cash offer for your home.

Finally, if you have money in an IRA or investments that are not performing, go to http://www.anandapropertyinvestments.com and click the “Contact Us” tab so we can explain how you can get up to 10% interest (and even much more) in what is today probably the safest investment available.

The Best Christmas Present Ever

We just succeeded in delaying the foreclosure another two months for our friend Bill and his wife Kap.  This is the fourth time we’ve halted the bank’s foreclosure action but this time it was especially touchy because the sale date was set for just before Christmas.  Bill said, “It’s the best Christmas Present Ever!” and that’s what we like, to bring joy and peace of mind wherever we can.
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Home Buyers and Sellers in Temecula have a New Congress in Washington

You may be noticing signs of a new attitude in Washington. What does this mean for real estate in your area? Things are sure to start changing…but will it be for the better? For those looking to buy or sell a home in Temecula, Hemet, Murrieta, and nationwide, it is likely to be a mixed bag. Here are some key points to keep in mind regarding the future of real estate:
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Murrieta: Our Beautiful Neighbor to the North

Murrieta Murrieta is a place we fell in love with, and if you haven’t heard the news, the city of Murrieta is a great place to live! It is a town made famous by its hot springs, nice weather, rolling hills spotted with native trees, and friendly people. The neighborhoods wind around the 24 square miles of city in an elegant way. Walking or driving around the streets, you see beautiful homes with well kept yards and often times there are trees overhead. The historic old town in Murrieta has nice boutiques and restaurants.
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Rent Costs More Than Owning a Home

hmmm own vs rent in TemeculaPeople have probably told you that renting is cheaper than owning a home. The cost of owning a home is actually more affordable. More than half of all renters spend 30% or more of their income on housing. That is considered unaffordable housing. There has been a recent increase in the number of renters that have trouble affording their housing, and now over a quarter of renters spend 50% or more on their housing.

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Top Five Reasons to Buy a Home in Temecula

Temecula Cat on a RopeWe decided it would be fun and informative for us to share our top five reasons why you should consider buying a home here in Temecula, CA. Honestly, there are a whole lot more ideas we came up with than are shared here.

These five reasons focus on the real estate climate here and the importance of home ownership. In other posts we discuss the many attractions this wonderful town has to offer. Lets get down to brass tax:

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Temecula Farmers Market is Where to Get Your Certified Organic Greens

farmers-market-temeculaThere are two farmers markets in Temecula. They both offer a huge variety of certified organic vegetables and fruits year round. You can bring home what you need for a few days and know that you are giving yourself and your family a healthy and nutritious diet. Continue reading