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15 Reasons I’m the Rancho Palos Verdes, Palos Verdes Estates, Rolling Hills, Rolling Hills Estates, Manhattan Beach, and Hermosa Beach Real Estate Agent for You!

  • I have a total commitment to providing excellent service throughout the real estate transaction.
  • I have exceptional knowledge of the local Rancho Palos Verdes, Palos Verdes Estates, Rolling Hills, Rolling Hills Estates, Manhattan Beach, Hermosa Beach and surrounding Los Angeles County, CA areas real estate market.
  • As a real estate professional, I will be committed to negotiating on your behalf to help meet your specific goals and objectives.
  • I will engage in a comprehensive networking strategy to assist in the purchase or sale of your home.
  • I will go the extra mile for you to make sure your next real estate transaction is a smooth one.
  • I take pride in providing personalized service which means that I will be highly involved in the actual purchase or sale or your home.
  • I will utilize technology to better meet your specific real estate needs, whether you are buying or selling.
  • I will take on the difficult tasks to make moving an easy process.
  • I will assist you in finding the related services that are necessary to buy or sell a home or other property.
  • I will keep you apprised of current local real estate market conditions that can impact the purchase or sale of your home.
  • I engage in a corporate level of marketing to make sure that your home gets as much exposure as possible if you are a seller and that you find the perfect home if you are a buyer.
  • I work as a full time real estate professional which means you will have the pinnacle of support throughout your real estate transaction.
  • I will utilize my experience both in and out of real estate to let you attend to your family while I do the work making sure your real estate transaction is processed in the most trouble free manner possible.
  • I will respect your time and work with you so your busy schedule is not interrupted.
  • I will uphold the highest moral and ethical standards throughout any real estate transaction I am involved in.

The Hermosa Beach real estate and homes for sale request form covering the areas of Rancho Palos Verdes, Palos Verdes Estates, Rolling Hills, Rolling Hills Estates, Manhattan Beach, Hermosa Beach and all other Los Angeles, CA areas.


Do you need professional real estate representation in order to find a home in Rancho Palos Verdes, Palos Verdes Estates, Rolling Hills, Rolling Hills Estates, Manhattan Beach, Hermosa Beach or in another CA area? Are you thinking about selling your home in Rancho Palos Verdes, Palos Verdes Estates, Rolling Hills, Rolling Hills Estates, Manhattan Beach, or Hermosa Beach? If so, I can help meet all of your real estate needs. Whether you have residential real estate needs, commercial real estate needs, leasing needs, or income property needs, please fill out the following brief real estate quick request form describing how I can be of service. This form will help me provide you with outstanding real estate service. Thanks again.

If you do end up choosing me for any or all of your real etate needs feel free to contact me at (310)686-4688 or email me Tuba@remaxpv.com. Also dont forget visit my business and facbook page which are both linked above in my main menu!!! 

Ex-Wife Uses ‘Cheating’ Husband to Try to Sell Home!!!!

A woman in Beaverton, Ore., is using the story of her divorce to try to sell the bungalow home that she once shared with her now ex-husband. She recently posted a sign outside her for-sale home that reads “Husband left us for a 22-year-old. House for sale by scorned, slightly, bitter, newly single owner.” 

The sign also reads “adulterers need not apply.” (However, she does include a disclaimer that anyone is welcome to submit an offer and that they do “not discriminate against any serious offer to purchase our home.”)

The woman behind the sign, Elle Zober, says she got the approval of her ex-husband before posting the sign. She says neither of them want the home to fall into foreclosure. 

Zober, who was married to her husband for 10 years before their recent divorce, launched a Web site with details about the three-bedroom home as well as her and her ex-husband’s break-up. Zober told KTSM.com that the sign is not an act of revenge.

Elle Zober has been getting a lot of attention for the eye-catching sign she posted in the front yard of the couple’s Beaverton home.

For the past seven years, the couple shared the three-bedroom house with their two young children. The marriage fell apart a few months ago after Zober said her husband had an affair with another woman. “I just thought it was truth in advertising,” she said. “I want people to know it was a family home. It was well-loved and it was well taken care of. I want another family who will love it and care for it to move in.”

Cities Debate With What to Do With Abandoned Homes!

Some cities that have seen population decreases, high foreclosures, and job losses are faced with the problem of what to do with the abandoned homes that were left behind. 

After all, it takes money to demolish empty homes, and some cities are finding they can’t afford to do it. 

“The principal impediment is the cost,” Michael Braverman, deputy commissioner of code enforcement for Baltimore Housing, told USA Today. Baltimore has about 10,000 abandoned buildings that need to be demolished, city officials estimate. 

Some cities are using their share of the $26 million mortgage settlement between the nation’s five largest banks and state attorneys generals to use for demolishing vacant homes. The money was originally earmarked to help home owners avoid foreclosure. But cities view removing the “blight” as a way to prevent home values from falling further.

In Cleveland, city officials say rows of vacant properties are “eyesores and drug traps and crime traps,” says Rep. Steven LaTourette, R-Ohio. LaTourette is co-sponsoring a bill in Congress, asking lawmakers for $4 billion to help communities afford the demolishing of vacant buildings. 

Some cities are passing laws to make it easier for officials to demolish vacant structures. 

“It’s not a silver bullet,” Frank Alexander, co-founder of the Center for Community Progress, told USA Today about cities’ efforts to try to speed up demolishing with new laws. “It doesn’t create redevelopment. But it does take the properties that are liabilities and at least eliminate the liabilities.”

Article from http://realestate.glozal.com/profiles/blogs/cities-wrestle-with-how-to-handle-abandoned-homes?xg_source=msg_mes_network

Short Sales Over Forclosure

Banks are agreeing to more short sales, and for the first time, short sale transactions are exceeding foreclosure deals, according to the most recent housing data from Lender Processing Services (LPS) Inc.

In January, short sales made up 23.9 percent of home purchases, according to LPS. Meanwhile, foreclosures made up 19.7 percent of sales.

Just one year prior, foreclosures made up the bulk at 24.9 percent of transactions while short sales made up 16.3 percent.

“It’s a fairly recent phenomenon that short sales have been increasing,” Jonathon Weiner, a vice president with LPS, told Bloomberg News.

So why are banks getting more agreeable to short sales? Banks are realizing that short sale transactions usually sell for higher prices than foreclosures. In fact, foreclosed homes tend to sell for 29 percent less, on average, than comparable non-distressed properties. Short sales tend to sell at a 23 percent discount, according to Lending Processing Services data from January.

Banks and government agencies in recent weeks have taken steps to speed up the short sale process, setting new timelines for how long mortgage servicers have to respond to short sales offers. Also, some banks, such as Wells Fargo and JPMorgan Chase, are even offering some home owners cash incentives — up to $35,000 — if they agree to do a short sale instead of let the home fall into foreclosure.

Article and Picture curtosey of http://realestate.glozal.com/profiles/blogs/short-sales-start-to-outpace-foreclosures?xg_source=msg_mes_network

“Former Home Owners Wait for Second Chance”

More than 4 million homes have been lost to foreclosure in the last six years, and many of those former home owners are now starting to ask: When can we buy again? 

Many banks have guidelines that prevent them from issuing loans to people with a foreclosure or short sale in their credit history in some cases for as much as seven years. That also doesn’t factor in the damage foreclosures and short sales can do to a person’s credit score, and the work former home owners’ will need to do to repair it so they’ll have a better chance at qualifying for financing again in the future. 

Still, some former home owners, particularly those who foreclosed or did a short sale due to extenuating circumstances like a job loss or illness, are finding the wait may not be as long as they were once told. 

“They’re probably going to pay a little higher interest rate, but with rates so low, a higher interest rate of 4 percent is not a big deal,” Rosa Herwick, a broker and owner of Century 21 JR Realty in Henderson, Nev., told the Associated Press.

The wait-time varies among lenders and government entities. For example, the Federal Housing Administration says former home owners with a foreclosure must wait three years before they can qualify, while Fannie Mae and Freddie Mac require a seven-year wait following a foreclosure. 

As for short sales, sometimes these waits can be waived or drastically cut, depending on the borrower’s situation. FHA requires a three-year wait following a short sale, but it may waive that wait if the short sale was due to a job loss. 

Also, for borrowers who can come up with a higher down payment on their next home purchase, they may also not have as long to wait. For example, Fannie Mae will reduce the wait from seven years to two years for borrowers who come with a down payment of 20 percent or more. 

Article from http://realestate.glozal.com/profiles/blogs/former-home-owners-wait-for-second-chance?xg_source=msg_mes_network

“Obama Extends Foreclosure Prevention Program Aid”


The Obama administration will be expanding eligibility requirements for its foreclosure prevention program, the Home Affordable Modification Program (HAMP), to help more struggling home owners participate. 

The program will expand its eligibility requirements for those who may qualify for a loan modification, including how the debt ratio of mortgage borrowers is calculated as well as extending the program to owners of rental properties too.

HAMP will also triple the incentives it pays banks in order to get more banks to reduce the principal on loans, and it would offer incentives to Fannie Mae and Freddie Mac to reduce loan principals for those who participate in the program (previously only private lenders and banks were eligible for the incentives). 

However, the Federal Housing Finance Agency, which oversees Freddie and Fannie, says that while it will consider the HAMP changes, in a recent analysis it found “that principal forgiveness did not provide benefits that were greater than principal forbearance” — a possible sign the GSEs may not support reducing the mortgage principal on loans, housing experts speculate. 

HAMP was first launched in 2009 and set out to help some 4 million struggling borrowers modify their loans, yet it has fallen short from its original goal. To date, HAMP has helped fewer than 1 million home owners. 

Some housing experts are optimistic that the changes to HAMP will allow more home owners to take part in the program, and that HAMP will help more “responsible home owners lower their costs and stay in their homes,” Gene Sperling, the director of the National Economic Council, at a press conference.

The new changes to the program will take effect at the end of April. Also, the program has been extended to December 2013. 

Article from http://realestate.glozal.com/profiles/blogs/obama-extends-foreclosure-prevention-program-aid?xg_source=msg_mes_network

Picture Courtesy of http://blogs.palmbeachpost.com/realtime/2011/01/13/foreclosure-prevention-event-in-wellington/

Crime in Forclosed Homes

According to city data, there were nearly 15,000 abandoned buildings in Chicago as of Oct. 20, most of them a result of foreclosures. Three neighborhoods account for 20 percent of the total: Englewood, West Englewood and Austin.

The city lost 200,000 residents from 2000 to 2010, according to census data. In the area immediately surrounding Mr. Burton’s house, population has dropped by 26 percent. And though some residents are gone, those who remain do not necessarily want to raze the vacant buildings left behind.

The empty buildings are magnets for gang activity, depressing the value of nearby properties. Drug abuse violations and burglaries are the most common crimes taking place in abandoned properties, police report. In Austin, burglaries and illegal drug use make up 74 percent of the 66 incidents reported in the past three months. In Englewood, those crimes were 58 percent of the 85 reported cases of illegal activity. In West Englewood, drugs and burglaries constituted 43 percent of 78 incidents.

“Vacant homes create so many risks to a neighborhood,” said Charles Brown, a retired Chicago police officer living in Englewood. “Murders — we’ve found people dead in them. Attempted murder, rape, all kinds of things. They catch on fire and burn up the house next door — firemen get hurt.”

Jonathan Martin is very familiar with the foreclosed two-flat at 4336 West Wilcox, across from Mr. Burton. He was hired to inspect it by the bank that now owns the property, and he has visited regularly for the past 10 months. In that time squatters have moved in, mold has grown and thieves have stripped nearly all of the copper piping and plumbing.

“It gets worse and worse every time I come out here,” he said. “This is crazy.”

Documents show that in October 2005, at the height of the housing market, Angela Stroud bought the building at 4336 West Wilcox for $210,000. The building went into foreclosure on Sept. 21, 2010, records show. It was vacant by January, Mr. Burton said.

When Mr. Martin made his first inspection, on Jan. 22, there was no damage to the walls, he said. During the summer months the damage increased exponentially, he said. On a day in late October, he walked through the vacant residence with a large flashlight and found that radiators had been ripped from baseboards and nearly every pipe taken away; heaps of plaster had been left on the floor and toilets in the kitchen.


To read the full article please visit http://www.nytimes.com/2011/10/28/us/foreclosures-lead-to-crime-and-decay-in-abandoned-buildings.html?_r=1&emc=tnt&tntemail1=y

Picture curtosey of http://www.foreclosurelistings.com/content/foreclosures/foreclosed-house/abandoned-foreclosed-houses-being-taken-over-by-criminals.htm

Animals Left for Dead in Foreclosed Homes

Animals left in abandoned homes with no food is a scenario that has become more common since the real estate market tanked and triggered soaring foreclosure rates, say real estate agents, mail carriers and animal rescue groups on the front lines of the problem.

These pets have not only been left behind, but are locked in foreclosed and abandoned homes by their owners.

They suffer a slow death from starvation and dehydration, unless someone finds and rescues them in time.

The American Society for the Prevention of Cruelty to Animals estimated in 2009 up to a million animals would be abandoned at shelters, outdoors and in foreclosed homes. There is no updated estimate or a centralized database tracking the problem, though, said Joan Carlson-Radabaugh, ASPCA community initiative director.

Some real estate agents across the country have banded together to help.

Cheryl Lang, president of Integrated Mortgage Solutions in Houston, formed the nonprofit No Paws Left Behind in 2008. Now a nationwide network, the group has rescued at least 1,000 animals.

Animal services will take animals abandoned in homes, but the process is long and full of red tape. Animal control officers have to post warnings, document the evidence of neglect and not trespass on the property unless accompanied by law enforcement. To get into the home and take the animal, they need a search warrant.

Betty Hughes, board member and treasurer of the Animal Refuge Center, a no-kill shelter in North Fort Myers, Fla., said the top three reasons animals are sheltered are foreclosure, job loss and divorce. Rescuers say pet owners, afraid their animals will be euthanized, will leave them in homes with food and water, believing someone will come in a couple of days to find them. But it can be weeks or months before someone enters the home.

To read more please visit http://realestate.glozal.com/profiles/blogs/victims-in-the-foreclosure-crisis-pets?xg_source=msg_mes_network

Picture curtosey of http://www.mercedsunstar.com