How To Stop Foreclosure ...

A real estate short sale can stop the banks foreclosure dead in its tracks and we can help.

I just wanted to make sure that you felt welcome to call us for a free over the phone consultation about how best to move forward in your particular situation.

I specialize in helping upside-down homeowners avoid foreclosure through real estate short sales. If your loan modification efforts aren't producing positive results within 30 days of submitting your financial statements and distress letter package to your lender(s), please call my office.

Too many unnecessary and expensive foreclosures occur around the country and our county only simply because homeowners don't exercise the short sale option early enough in the foreclosure process - please don't allow that to happen to you.

A world class team of experts is standing by to assist you right now and our services are 100% free to you.

In fact, why not call the number below right now to connect with us?

On your team,
Ken Hall
Allison James Estates & Homes
43015 Blackdeer Loop
Suite 104
Temecula, CA 92590
951-760-3833
KenAHall@gmail.com
www.KenHallProperties.com


PS. Save $37.00 and a trip to the book store and log onto www.KenHallProperties.com for a FREE copy of my book, The Homeowners Guide to Real Estate Short Sales.

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Thanksgiving Is #1 Day For This Home Disaster

If you guessed that cooking fires peak at Thanksgiving, you’re right. What’s more, cooking fires have long been the leading cause of home structure fires and home fire injuries.

Help make sure you’re not the victim of a holiday home fire with these tips:

Keep a fire extinguisher approved for cooking or grease fires nearby.
Check to make sure your smoke detectors are working.
Tell guests where your family has agreed to meet if everyone has to evacuate due to a fire.
When guests require your attention outside the kitchen, turn off the stovetop.
Have a "kid-free zone" of at least 3 feet around the stove and around other areas where hot food or drinks are prepared or carried.

Switch to Flameless Candles

If you put up your holiday decorations this month, be especially careful with your candles. Better yet, use flameless candles, which now come with remote controls, scents, timers, rechargeable batteries, and in many different sizes.

You can find them at Home Depot and Target.

Candle fires increase during the winter holidays because people burn candles more and they burn them near decorations, the National Fire Protection Association says.

When you use real candles, follow these safety tips:

Keep candles at least 12 inches from anything that can burn.
Keep candles out of the reach of children.
Never leave a child unattended in a room with a candle.
Don’t leave a lit candle in a room where a child sleeps.
Use sturdy candleholders that won’t easily tip over.
Put candles out before they burn down completely to the holder or container.
Never use a candle in a home where anyone uses an oxygen tank.

Have a happy and safe Thanksgiving
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Beware of These People ...

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Make the "notice of default" list and every Realtor in town is suddenly a short sale expert and knocking on your door or stuffing your mailbox full of notes, cards and letters about what makes them great.

Be careful.

If you'd like to discuss short sales then I'd suggest calling a real expert who won't try and talk you into doing anything. I'll answer all of your short sale questions and after listening to me, your own intuition and/or gut instincts will let you know whether I'm just the right pro for you or not and then you can let me know.

That's how I work.

On your team,
Ken Hall
Allison James Estates & Homes
951-760-3833
KenAHall@gmail.com
www.KenHallProperties.com

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Testimonial from Greg & Jessica Cowee ...

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It is with great pleasure that my husband and I recommend Ken Hall for your next real estate transaction.   We were referred to Ken who within the first phone call gave us hope that we could possibly be homeowners again, after a foreclosed home only 3.5 years ago and less than stellar credit.

Within 24 hours of giving Ken our financial paperwork, we had pre-approval to purchase a home.  After Ken showed us about 7 houses in the Temecula area we were pleased to find a home well below our pre-approved amount in a nice neighborhood less than 2 miles from my husband’s job and daughter’s school.

Ken is obviously a great negotiator because we were able to purchase the home for under list price and the appraisal actually came in $5,000 higher than our purchase price!  Our mortgage payment is $40 per month lower than the good faith estimate Ken gave us when we were trying to decide to offer on this home.  Ken’s mortgage and escrow companies were also tremendous; we were given a 1% lender credit to help with our closing costs.

There were no surprises throughout the escrow process.  We closed on the loan 10 days ago and are enjoying our new neighborhood.

Through the whole process, I was delighted with Ken’s approachability and his speed in returning phone calls, texts, and emails.  I never felt I was a burden to him though I had a lot of questions.  Communication between us, the escrow company, the lending company and the various property inspectors was transparent and speedy.

It wasn’t until I got the news we were clear to close on the deal that I realized how important home ownership is to me and how much I missed it.  It would have not been possible without Ken.  Thank you!


 Greg and Jessica Cowee, Temecula

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Expensive Home Seller Mistakes ...

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Overspending on big or small "fix ups" getting it ready for the market is a cash killer. There's lots of things you could purchase to make your place show better that you'll never get your money back on and it's one of the biggest mistakes many sellers make.

For example, could a pressure washer accomplish what you thought you needed paint for? Call me to discuss what you may or may not want to do in terms of preparing your home for the market. I can help!

On Your Team,

Ken
951-760-3833

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Quick Note to Temecula Valley Sellers ...

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Just a quick note to Temecula Valley Sellers: I'm standing by to help you sell your home for top dollar with the least amount of stress, in the shortest amount of time and in a way that makes you say, "Wow!"

Call me to discuss.

Sincerely,
Ken Hall
Allison James Estates & Homes
43015 Blackdeer Loop
Suite 104
Temecula, CA 92590
951-760-3833
KenAHall@gmail.com
www.KenHallProperties.com

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10 Things You Should Know Before Buying a Home ...

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1.  Before you start looking for a home, get pre-qualified for a loan.  Banks, credit unions, and mortgage bankers make home loans; mortgage brokers process loans through a variety of lenders. The lenders will take an application, process the loan documents, and see the loan through to the funding stage.

2.  If you have marginal or bad credit, consult your lender.  You may be able to qualify for a loan depending on how long ago and what reason(s) caused the bad credit.

3.  You will need a down-payment.  Down-payment requirements vary depending on the type of loan. Many down-payment assistance programs exist. These programs may loan or grant you the funds necessary for the down-payment. Consult with a lender about programs available in your area.

4.  You will need funds for closing costs.  Closing costs are charges for services related to the closing of your real estate transaction. They include, but are not limited to: Escrow fees, title policy issuance fees, mortgage insurance fees, fire, flood, and homeowners insurance, county recorder fees, & loan origination fees. Consult your lender for an actual estimate of these costs.

5.  Some loans have "points" and some do not.  A point is a loan origination fee equivalent to 1% of the loan amount. Together with the interest rate, they constitute the yield on your loan for the lender.

6.  Signature Mortgage rates can be fixed or adjustable.  Which one is right for you depends on whether mortgage rates are at a high or a low point when you purchase, and on how long you plan to live in the home.

7.  There are two main types of loan categories.  Conventional Loans. Conventional mortgage loans are available with fixed or adjustable interest rates. Government Loans. These include FHA fixed and adjustable rate mortgage loans, and VA fixed rate mortgage loans.

8.  If you are a low-to-moderate-income homebuyer, there are special programs designed to help you.  These loans are available through private lenders, as well as local and state housing agencies.

9.  You may have to pay mortgage insurance.  Mortgage insurance protects the lender from potential loss if you should default on your mortgage loan payment. Mortgage insurance is always required on FHA mortgage loans.

10.  Many organizations offer home loan counseling to prospective homebuyers.  They will cover home selection, realtor services, lenders, loan programs, homeownership responsibilities, saving for a down-payment, and other important pieces of information.

If you have any questions at all, give me a call.

Ken
951-760-3833

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