The Vacaville and Solano County Real Estate Update

Marine's Stand Tall, Hoorah!!!

2012-01-16T21:14:00.000-08:00

A Countryman who understands and got it right. My sincere compliments to Rep. Allen West (R-Fla.)

AMEN!!

Rep. Allen West (R-Fla.), a former Army lieutenant colonel, sends THE WEEKLY STANDARD an email commenting on the Marines' video, and has given us permission to publish it.

“I have sat back and assessed the incident with the video of our Marines urinating on Taliban corpses. I do not recall any self-righteous indignation when our Delta snipers Shugart and Gordon had their bodies dragged through Mogadishu. Neither do I recall media outrage and condemnation of our Blackwater security contractors being killed, their bodies burned, and hung from a bridge in Fallujah.

“All these over-emotional pundits and armchair quarterbacks need to chill. Does anyone remember the two Soldiers from the 101st Airborne Division who were beheaded and gutted in Iraq?

“The Marines were wrong. Give them a maximum punishment under field grade level Article 15 (non-judicial punishment), place a General Officer level letter of reprimand in their personnel file, and have them in full dress uniform stand before their Battalion, each personally apologize to God, Country, and Corps videotaped and conclude by singing the full US Marine Corps Hymn without a teleprompter.

“As for everyone else, unless you have been shot at by the Taliban, shut your mouth, war is hell.”

To the Men and Women who proudly serve and have served our country. I'm very glad we have a few bold Rep's. like Allen West who will stand up with, guts and determination to speak boldly, truthfully and honorably.

Hoorah!!!---
Terry Hughes
RE/MAX Gold
(707) 249-8688
http://www.solanohomefinder.com/
http://travisafbhomes.com/
http://travisloans.com/
---
Vacaville CA Real Estate Homes for Sale
Fairfield CA Real Estate Homes for Sale
Travis AFB PCS Services and Relocation

Vacaville CA. Cooks Collision A Fantastic Business

2011-11-30T00:42:00.000-08:00

A few days ago I had the opportunity to write about an excellent business in Vacaville CA. Cooks Collision.

I mentioned that Cooks gifted me a few extra days on my rental car, because; they wanted to finish the job with excellence.

Let me tell you first the job done is superb, 1st class body and fender workmanship. They went a step or two farther in their demonstration of service and putting the customer first.

The interior of my truck was vacuumed, my windows cleaned and the cab was completely wiped down. Much cleaner then when I dropped it off to them.

Initially when I spoke with Cooks estimator I mentioned having some pin stripping for the bed of my truck. You see I purchased a custom truck bed and bought the pin stripping from Ford to install myself. I ask Cooks to give me a price to install it when they estimated my repair needs. The estimator ask me to leave the boxes of pin stripping on the seat.

To my surprise Cooks installed the pin stripping at no additional cost. I had been given an estimate from another company of $150 to install the same stripe.

Wow! when I consider the first rate job of repairs and painting at a very reasonable price; coupled with an extended rental car at no added cost and a $150 value install of pin stripping all I see is a business poised to do great things. For me as a customer, I won't forget the exceptional service and you can bet I'll refer anyone needing body and fender work to Cooks Collision of Vacaville CA.

Great Job Cooks!!!!!

---
Terry Hughes
RE/MAX Gold
(707) 249-8688
http://www.solanohomefinder.com/
http://travisafbhomes.com/
http://travisloans.com/
---
Vacaville CA Real Estate Homes for Sale
Fairfield CA Real Estate Homes for Sale
Travis AFB PCS Services and Relocation

Vacaville CA. Festival Of Trees

2011-11-28T15:23:00.000-08:00

Vacavilles Festival of Trees is a three day event that starts on 29 Nov. 2011 and runs to 01 Dec 2011
Located at the Vacavile Skating Center: 551 Davis Street, Vacaville CA. 95688
Festival Of Trees happens every year for the benefit of Vacaville's Opportunity House Homeless Shelter. An inspiring shelter that offers a hand up. The festival is operated soley by volunteers who come together to bring more than just holiday cheer to all. Each of the beautiful Christmas Trees are auctioned off and 95% of all proceeds goes to fund Opportunity House. This event is tha largest fund raiser for Opportunity House. We hope to have a record breaking year this year. I've been to see some of the set up, the trees are simply stunning: Here's an example of an incomplete tree from Young Artist Conservatory Of Music with a $400 electric guitar gift provided by: Tweed Hut Music Store on Hume Way in Vacaville CA. (more gifts will be under this tree before the day is done.

Because of generous donations from local businesses like Tweed Hut Music each of these trees will sell for several hundred to several thousands during the auction. There are a total of 50 large trees like this being auctioned along with mini trees and a sleigh full of crafts and treats all donated by individuals, churches like Saint Mary's, Saint Josephs, Cross Roads and others.
Take a good look at the works in progress as we head towards tomorrows Festival Opening.

As you can see from these photo's Vacaville's Festival Of Trees has something for both young and old. It's a magical time of year that brings our community together with music and cheer as we embrace the holiday season with giving to families looking to change their lives for the better.
Opportunity House doe's a beautiful job taking in families in distress, sheltering them and feeding them while training heads of household to learn skills from budgeting to finding gainful employment. This is an accountabilty program designed specifically to graduate a family to self suffeicency. I know there are other models in cities throughout the United States; I just don't know how they work. Vacaville's Opportunity House not only works I believe it's outstanding success can be used as a National Model to help the homeless.

Come to Vacaville CA and see this for yourself it is tully inspiring:

Simply Amazing:
A must see in person come to the event, bid on your favorite tree or trees. There's real value in this for you and Opportunity House.

We look forward to seeing you.

Warm regards and seasons greetings! :)

---
Terry Hughes
RE/MAX Gold
(707) 249-8688
http://www.SolanoHomefinder.com
http://www.TravisAFBhomes.com
http://www.TravisLoans.com
---
Vacaville CA Real Estate Homes for Sale
Fairfield CA Real Estate Homes for Sale
Travis AFB PCS Services and Relocation

Real Estate Values, Banks, Government and a Bar?

2011-11-23T10:16:00.000-08:00

A friend and client sent me an email this morning. It's simply the best example or statement of how our system of banking institutions and government have failed to serve us. Before you read the email here's two insightful qoutes from arguably the greatest Statesman ever.

Thomas Jefferson said in 1802: “I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property - until their children wake-up homeless on the continent their fathers conquered.”

“My reading of history convinces me that most bad government results from too much government.” -- Thomas Jefferson

Understanding Derivatives

Heidi is the proprietor of a bar in Detroit ...She realizes that virtually all of her customers are unemployed alcoholics and, as such, can no longer afford to patronize her bar.

To solve this problem, she comes up with a new marketing plan that allows her customers to drink now, but pay later.

Heidi keeps track of the drinks consumed on a ledger (thereby granting the customers loans).

Word gets around about Heidi's "drink now, pay later" marketing strategy and, as a result, increasing numbers of customers flood into Heidi's bar. Soon she has the largest sales volume for any bar in Detroit .

By providing her customers freedom from immediate payment demands, Heidi gets no resistance when, at regular intervals, she substantially increases her prices for wine and beer, the most consumed beverages.

Consequently, Heidi's gross sales volume increases massively.

A young and dynamic vice-president at the local bank recognizes that these customer debts constitute valuable future assets and increases Heidi's borrowing limit.

He sees no reason for any undue concern because he has the debts of the unemployed alcoholics as collateral!

At the bank's corporate headquarters, expert traders figure a way to make huge commissions, and transform these customer loans into DRINKBONDS.

These "securities" then are bundled and traded on international securities markets.

Naive investors don't really understand that the securities being sold to them as "AAA Secured Bonds" really are debts of unemployed alcoholics. Nevertheless, the bond prices continuously climb - and the securities soon become the hottest-selling items for some of the nation's leading brokerage houses.

One day, even though the bond prices still are climbing, a risk manager at the original local bank decides that the time has come to demand payment on the debts incurred by the drinkers at Heidi's bar. He so informs Heidi.

Heidi then demands payment from her alcoholic patrons. But, being unemployed alcoholics -- they cannot pay back their drinking debts.

Since Heidi cannot fulfill her loan obligations she is forced into bankruptcy. The bar closes and Heidi's 11 employees lose their jobs.

Overnight, DRINKBOND prices drop by 90%.

The collapsed bond asset value destroys the bank's liquidity and prevents it from issuing new loans, thus freezing credit and economic activity in the community.

The suppliers of Heidi's bar had granted her generous payment extensions and had invested their firms' pension funds in the BOND securities.

They find they are now faced with having to write off her bad debt and with losing over 90% of the presumed value of the bonds.

Her wine supplier also claims bankruptcy, closing the doors on a family business that had endured for three generations, her beer supplier is taken over by a competitor, who immediately closes the local plant and lays off 150 workers.

Fortunately though, the bank, the brokerage houses and their respective executives are saved and bailed out by a multibillion dollar no-strings attached cash infusion from the government.

The funds required for this bailout are obtained by new taxes levied on employed, middle-class, non-drinkers who have never even been in Heidi's bar.

Now do you understand?

Historical statements worth remembering daily.

“My reading of history convinces me that most bad government results from too much government.” -- Thomas Jefferson

Thomas Jefferson said in 1802: “I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property - until their children wake-up homeless on the continent their fathers conquered.”

“It is incumbent on every generation to pay its own debts as it goes. A principle which if acted on would save one-half the wars of the world.”-- Thomas Jefferson

Before you discount what Thomas Jefferson said read what John F. Kennedy had to say about Jefferson.

John F. Kennedy held a dinner in the white House for a group of the brightest minds in the nation at that time.

He made this statement:

"This is perhaps the assembly of the most intelligence ever to gather at one time in the White House with the exception of when Thomas Jefferson dined alone." John F. Kennedy

Something To Consider Daily:

“The democracy will cease to exist when you take away from those who are willing to work and give to those who would not.” -- Thomas Jefferson

“I predict future happiness for Americans if they can prevent the government from wasting the labors of the people under the pretense of taking care of them.” -- Thomas Jefferson

---

Terry Hughes
RE/MAX Gold
(707) 249-8688
http://www.solanohomefinder.com/
http://travisafbhomes.com/
http://travisloans.com/
---
Vacaville CA Real Estate Homes for Sale
Fairfield CA Real Estate Homes for Sale
Travis AFB PCS Services and Relocation
Now do you understand?

Cooks Collision, a top notch company

2011-11-18T12:25:00.000-08:00

Recently I had the unfortunate experience of someone damaging my truck door. At my request my State Farm Insurance Agent "Andy Pignataro" gave me some auto body shops for consideration. Cooks Collision of Vacaville CA was on the list, so I called them to arrange an estimate. Frank my estimator did a complete work up of all needed repairs and we scheduled the work. I needed a rental car for the 3 to 4 days Frank said my truck would be in the shop. Cooks Collision arranged for Hertz Rental to deliver a car to there shop, when I dropped off my truck I had a vehicle. No real surprises here just good service right. Well yesterday Frank called me to say my truck was going to take another 4 days to complete the job. His comments next were interesting; Frank said; Terry we got really busy and our objective is to deliver your truck to you with an excellent job done, not just hurry to meet our estimated time of completion. My thoughts then; I get that and really expect the job done well the first time. Here's where there service went over and above. Frank said Terry I'm calling Hertz so they will stop billing you for the rental as of Friday and Cooks Collision will pick up the tab until we complete the repairs to your truck. Wow, this is what I call exemplary service. So many other companies would have told me to SIU (suck it up)....I took the time to look up Cooks Collision's web site and here's what it said;

We will be the premier provider of collision work in Northern California. By putting people first, providing superior quality and service to our customers, and continuously improving the performance of our business, we will achieve long-term customer relationships, significant competitive advantages, and fulfill careers.

There's not doubt in my mind Cooks Collision is accomplishing their stated objectives.

If you want great service, competitive prices and quality work, contact Cooks Collision for your auto body needs. In my book, Cooks Collision of Vacaville is a 5 Star business.

Best regards,
---
Terry Hughes
RE/MAX Gold
(707) 249-8688
http://www.SolanoHomefinder.com
http://www.TravisAFBhomes.com
http://www.TravisLoans.com
---
Vacaville CA Real Estate Homes for Sale
Fairfield CA Real Estate Homes for Sale
Travis AFB PCS Services and Relocation

Suisun City CA Real Estate

2011-11-15T11:59:00.000-08:00

Suisun City CA Real Estate home prices vs rental rates: Doe's it make sense to rent when you can own a home?

In today's market interest rates are at an all time low. Prices of homes are down from an all time high. The housing market in Fairfield CA appears to have stablizied, which may indicate we are at or near the bottom of price reductions.

Department Of Real Estate's chief economist Leslie Appleton Young in a recent meeting with me made these statements.

All fundementals are sound:

1. Prices are low.

2. Inventory is good.

3. Interest rates are lowest in history since 1970

Homes prices in Suisun City CA are at or near replacement cost, it makes more sense to buy a home then it doe's to rent.

If you pay rent for the next 5 years here's what you'll pay out, please keep this in mind as you pay rent you are paying off someone elses mortgage. Helping your landlord pay for their investment is perhaps noble, but; is it wise for your financial future?

$900 your monthly rental payments will = $54,000 after only 5 years.

$1,000 = $60,000   $1,100 = $66,000   $1,200 = $72,000   $1,300 = $78,000   $1,400 = $84,000

$1,500 = $90,000   $1,600 = $96,000   $1,700 = $102,000   $1,800 = $108,000   $1,900 = $114,000

$2,000 = $120,000

To search all Suisun City Ca Real Estate for sale follow this link.

As you consider the numbers above you can do multiplications out 10, 15, 20, 25 or 30 years. The amount of rent money you'll pay is stagering. Now consider this? You have to pay to live somewhere anyway, so why not own the home? You can own a home and have the lowest interest rate at the same time.

Yes many people in the past few years lost money in the housing market. (They bought when prices were high)   Suisun City CA Real Estate, Just Foreclosures

The old addage applies today, buy low (today's market) sell high in the next rising market. Yes the prices of homes will rise, they always do. Today's market offers more then just price benefits. Interest rates are below 4% this is an amazing time to buy real estate.

Do you want to know the value of any home in Suisun City CA?

To find out more about how you can take advantage of this combination of events Low Prices and Low Interest Rates follow this link.

Information is brought to you by Terry Hughes, GRI, SRES, CDPE (707)-249-8688

For more information about Terry Hughes follow this link
---
Terry Hughes
RE/MAX Gold
(707) 249-8688
http://www.SolanoHomefinder.com
http://www.TravisAFBhomes.com
http://www.TravisLoans.com
---
Vacaville CA Real Estate Homes for Sale
Fairfield CA Real Estate Homes for Sale
Travis AFB PCS Services and Relocation

Fairfield CA Real Estate Buying vs Renting

2011-11-15T11:28:00.000-08:00

Fairfield CA Real Estate home prices vs rental rates: Doe's it make sense to rent when you can own a home?

In today's market interest rates are at an all time low. Prices of homes are down from an all time high. The housing market in Fairfield CA appears to have stablizied, which may indicate we are at or near the bottom of price reductions.

Department Of Real Estate's chief economist Leslie Appleton Young in a recent meeting with me made these statements.

All fundementals are sound:

1. Prices are low.

2. Inventory is good.

3. Interest rates are lowest in history since 1970

Homes prices in Fairfield CA are at or near replacement cost, it makes more sense to buy a home then it doe's to rent.

If you pay rent for the next 5 years here's what you'll pay out, please keep this in mind as you pay rent you are paying off someone elses mortgage. Helping your landlord pay for their investment is perhaps noble, but; is it wise for your financial future?

$900 your monthly rental payments will = $54,000 after only 5 years.

$1,000 = $60,000   $1,100 = $66,000   $1,200 = $72,000   $1,300 = $78,000   $1,400 = $84,000

$1,500 = $90,000   $1,600 = $96,000   $1,700 = $102,000   $1,800 = $108,000   $1,900 = $114,000

$2,000 = $120,000

To search all Fairfield Ca Real Estate for sale follow this link.

As you consider the numbers above you can do multiplications out 10, 15, 20, 25 or 30 years. The amount of rent money you'll pay is stagering. Now consider this? You have to pay to live somewhere anyway, so why not own the home? You can own a home and have the lowest interest rate at the same time.

Yes many people in the past few years lost money in the housing market. (They bought when prices were high)   Fairfield CA Real Estate, Just Foreclosures

The old addage applies today, buy low (today's market) sell high in the next rising market. Yes the prices of homes will rise, they always do. Today's market offers more then just price benefits. Interest rates are below 4% this is an amazing time to buy real estate.

Do you want to know the value of any home in Fairfield CA?

To find out more about how you can take advantage of this combination of events Low Prices and Low Interest Rates follow this link.

Information is brought to you by Terry Hughes, GRI, SRES, CDPE (707)-249-8688

For more information about Terry Hughes follow this link

---
Terry Hughes
RE/MAX Gold
(707) 249-8688
http://www.SolanoHomefinder.com
http://www.TravisAFBhomes.com
http://www.TravisLoans.com
---
Vacaville CA Real Estate Homes for Sale
Fairfield CA Real Estate Homes for Sale
Travis AFB PCS Services and Relocation

Vacaville Real Estate (Owning vs Renting)

2011-11-15T00:51:00.000-08:00

Vacaville Real Estate home prices vs rental rates: Doe's it make sense to rent when you can own a home?
In today's market interest rates are at an all time low. Prices of homes are down from an all time high. The housing market in Vacaville appears to have stablizied, which may indicate we are at or near the bottom of price reductions.

Department Of Real Estate's chief economist Leslie Appleton Young in a recent meeting with me made these statements.

All fundementals are sound:

1. Prices are low.
2. Inventory is good.
3. Interest rates are lowest in history since 1970

Homes prices are at or near replacement cost, it makes more sense to buy a home then it doe's to rent.

If you pay rent for the next 5 years here's what you'll pay out, please keep this in mind as you pay rent you are paying off someone elses mortgage. Helping your landlord pay for their investment is perhaps noble, but; is it wise for your financial future?

$900 your monthly rental payments will = $54,000 after only 5 years.

$1,000 = $60,000   $1,100 = $66,000   $1,200 = $72,000   $1,300 = $78,000   $1,400 = $84,000

$1,500 = $90,000   $1,600 = $96,000   $1,700 = $102,000   $1,800 = $108,000   $1,900 = $114,000

$2,000 = $120,000

Vacaville Real Estate homes for sale up to $200,000

Vacaville Real Estate homes for sale from $200,000 to $300,000

Vacaville Real Estate homes for sale from $300,000 to $400,000

As you consider the numbers above you can do multiplications out 10, 15, 20, 25 or 30 years. The amount of rent money you'll pay is stagering. Now consider this? You have to pay to live somewhere anyway, so why not own the home? You can own a home and have the lowest interest rate at the same time.

Yes many people in the past few years lost money in the housing market. (They bought when prices were high)   Vacaville Real Estate, Just Foreclosures

The old addage applies today, buy low (today's market) sell high in the next rising market. Yes the prices of homes will rise, they always do. Today's market offers more then just price benefits. Interest rates are below 4% this is an amazing time to buy real estate.

To find out more about how you can take advantage of this combination of events Low Prices and Low Interest Rates follow this link.

Information is brought to you by Terry Hughes, GRI, SRES, CDPE (707)-249-8688

For more information about Terry Hughes follow this link

---
Terry Hughes
RE/MAX Gold
(707) 249-8688
http://www.solanohomefinder.com/
http://travisafbhomes.com/
http://travisloans.com/
---
Vacaville CA Real Estate Homes for Sale
Fairfield CA Real Estate Homes for Sale
Travis AFB PCS Services and Relocation

USAA Federal Bank vs Fannie Mae and the USAF Veterans

2011-08-26T22:50:00.000-07:00

Hi USAA Federal Savings Bank,

You ask for some details regarding the matter at hand with my veteran/clients and also to tell you about how this is affecting me. You also want to discuss options with me.

That was your comment to me: "If you have been affected, we would like to discuss options with you".

Here are the details keeping this in mind: I'm not giving you all the specifics (loan # client names, property address etc.) about my clients in this blog post.

My clients both; serving in the USAF are involved with a short sale that was completely approved by USAA in a work out negotiation.

The buyers lender sought an extension to our close date due to loan docs being delayed. This is a very normal occurrence in real estate sales today. When we ask USAA Federal Home Loans for the extension we were given a denial for the short sale. No explanation at all; no negotiation at all, just NO. Very surprising to us because all other banks we deal with give us an explanation and counter proposal if they say no to our request. So after a couple of days calling the negotiator and emailing the negotiator without any return calls or emails I created my blog post. The following day I got a call from the negotiator who said I forgot to inform you of the new counter proposal. This was also a surprise to us, as every negotiator from every other bank we work with never forgets a counter proposal. I find this behavior very suspicious don't you?

The negotiator stated that USAA Federal Home Loans would take a 20% payment as payment in full for the balance owed. (Roughly $37,000) is owed, so the number is $7,073.00

Initially my client the USAF Military member/veteran agreed to pay USAA Federal Home Loans all the deficient amount. USAA Federal Home Loans states that with California SB458 passing they cannot collect any funds other then what is paid to them by the 1st lien holder.

The 1st lien holder is GMAC insured by Fannie Mae who we are told sets it's guidelines/policy at a maximum payout to the 2nd of 6% of the total balance owed the 2nd. This gives USAA Federal Home Loans $2,200 at the close of escrow for approving the short sale and allowing this USAF Veteran to maintain their security clearance/job and start over with getting their financial life in better shape.

The difference we are talking about here is $4,873.00 an amount my client/veteran is willing to pay. USAA Federal Home Loans says it cannot collect the money from my client due to SB458 and Fannie Mae says it will only pay out 6% of the total debt owed to the 2nd lien holder.

Each step of this process has been handled with dignity and the willingness to do the right thing by my client/USAF Veteran.

We have only ask that in light of the circumstances that USAA Federal Home Loans step up to the plate and do the right thing. So far all we have is rhetoric and posturing which is only stalling the short sale.

Here's the option I'd like to see happen: USAA Federal Home Loans takes the $2,200 from GMAC and allows my client/USAF Veteran to close this short sale.

My clients did not create SB458 they were not even aware of it's existence.

We expressed to our USAA Federal Home Loans negotiator that loan docs for the buyer are in escrow and the buyers are prepared to close escrow. At this time due to my open communication with the buyers agent we have kept the buyers engaged and willing to hang in for the final outcome. At some point in the near future if we cannot reach a resolution the buyers will opt to cancel this agreement. If this happens GMAC who has stalled one Trustee Sale for us will move to foreclose on my client/USAF veterans house.

No entity involved with this short sale has expressed any ill will towards our veteran except USAA Federal Home Loans.

As a veteran and agent who represent veterans I really expect more from USAA than what I'm seeing. Your entire company touts how proud they are to serve those who serve this country. It's in your ads and all over your website, but; is it really true? It appears to me, the realtor community and veterans who know this story and other stories like it that your comment about serving those who serve this country is one sided. So this appears to be true! As long as USAA is making money off the US Military Members they fly the flag, shake hands with and loan money to veterans. When the veteran falls upon hard times and look to USAA for help, your actions are only self serving. It seems like you'd just as soon shot them like an enemy combatant than embrace them as the true comrads they are. You dont' seem to care about the plight of these human beings who put their lives literally on the line daily for your right to live freely in this country unless there's a buck in it for you.

If you have been affected, we would like to discuss options with you. This is your comment to me. Yes I have been affected, I am completely disinfranchised with USAA Federal Home Loans as a company. There was a time when I would tell veterans it was great to work with USAA and how you always looked out for the best interest of our military veterans.

I don't make those comments anymore and won't until I see a caring committed company embracing our US Military members, treating them all with respect and honor. A company committed to doing the right thing when they really need to.

I shared with you how this is affecting me, I've shared with you the option that will work for these Military Veteran's. Now I'm asking you to follow through and do the right thing here. My clients attempted to do the right thing all along. My clients have been stopped from paying you by a law signed into effect by the Governor of California. When you look at the facts of this situation the right thing is as clear as day. Accept the $2,200 from GMAC and allow this family to move on with there lives. Demonstrate that you care about the lives of those you say you serve? You do have an upside in this and I hope you can see it as plainly as the solution before you.

Best regards,

---
Terry Hughes
RE/MAX Gold
(707) 249-8688
http://www.shortsalesense.com/
http://www.solanohomefinder.com/
http://travisafbhomes.com/
http://travisloans.com/
---
Vacaville CA Real Estate Homes for Sale
Fairfield CA Real Estate Homes for Sale
Travis AFB PCS Services and Relocation

USAA Federal Savings Bank vs Veterans with financial hardships?

2011-08-26T08:05:00.000-07:00

In an effort to help themselves USAA Federal Savings Bank has made the following overture regarding my most recent postings here on Active Rain, Facebook and Twitter. See below in red:

USAA_help

@HughesTerry If you have been affected, we would like to discuss options with you. Pls email usaasocialmedia_bank@usaa.com with details.

As everyone can see from my blog post; this issue is not about me. The issue is about how USAA Federal Savings Bank is treating a US Military Veteran and active duty member who is experiencing a financial hardships.

If through this process an effective change can be made for my client it will be a win.

My hope is that USAA Federal Savings Bank will make some serious changes in their policies towards all veterans and active duty military members who face financial hardships, this will represent a big win.

I find it encouraging that USAA is willing to have dialoge with me. It would be fantastic if USAA was willing to have this conversation with me online. I will however continue the conversation with them offline as some of the material being covered is confidential in nature. Without divulging confidential information, but; providing enough facts I will share with all of you the developments and outcome of my conversation with USAA Federal Savings Bank.

Sincerely,
---
Terry Hughes
RE/MAX Gold
(707) 249-8688
http://www.shortsalesense.com/
http://www.solanohomefinder.com/
http://travisafbhomes.com/
http://travisloans.com/
---
Vacaville CA Real Estate Homes for Sale
Fairfield CA Real Estate Homes for Sale
Travis AFB PCS Services and Relocation

Is USAA hurting veterans and our country by declining short sale approval?

2011-08-22T11:16:00.000-07:00

Imagine this, after California SB458 is signed into law USAA declines a previously accepted short sale. Determined to Hurt the credit of our military members and further adding to our nations foreclosure back log. USAA appears to be taking the stance that the veteran's only value is their money. Basically saying if you are a US Military Veteran or active duty military and have established a hardship worthy of short sale consideration; USAA will only help you if you agree to pay them in full. In California this does not appear to be possible for USAA after SB458 was signed by Governor Brown.

Here's the way this went down.

Our military members did what they considered to be the right thing. They agreed to pay USAA all money owed though a payment plan as described below.

Keep this in mind as you look at this information: Our veterans did not create or implement SB458....The California Senate created the bill and Governor Brown signed it into law to help all Californians....The law is a great law written to help people to recover from financial hardships.

It's appears that USAA is not interested in helping it's members who have legitimate hardships. Rather they appear to be positioning themselves to sue the military veterans or active duty military for civil damages. From my discussion with our military veteran I was told USAA has also determined to limit the veterans access to USAA accounts online. This only makes banking at USAA harder for our military veteran. Apparently military veterans will also have limited access to insurance products if they are forced to short sale in California and USAA is their lender. It appears that USAA is willing to throw our military veterans under the bus over a dollar, run them over; then put it in reverse and back over them again.

USAA Federal Savings Bank reviewed the request for a short sale offer on the above referenced property. USAA believes it is in its best interest to accept the offer of $2,200.00 from the closing proceeds with continued payments on the deficiency and agrees to release its lien upon compliance with the following conditions:

This approval letter expires 08/13/2011
USAA Federal Savings Bank
Prior to 13 Aug 2011 the buyers lender ask for an extension to 21 Aug 2011....When I ask USAA for the extension they concluded our negotiations with the following letter.

Here's the letter received After SB458 Passed

USAA Federal Savings Bank has completed the review of the Short Sale package submitted to our office. We wish to thank you for the opportunity to have served you. However, at this time, USAA FSB will not be able to accept the offer of $2,200.00 to settle this account in full and release the lien on the above-referenced property.

USAA Federal Savings Bank

USAA made a unilateral decision to damage our US Military Veteran and with continued decisions like this one, our national security may be jepordized by USAA's decision making policy; if our miltary members security clearances are downgraded based on a foreclosure.

As a military veteran I'm dismayed by the disregard shown to our military by USAA in light of this countries financial crisis.

As a Realtor with many successful short sales completed prior to SB458, I've had both major and minor banks agree to payoffs equal to what GMAC has offered USAA, some have accepted less than the $2200 offered USAA.

Wells Fargo, Bank Of America and JPMorgan Chase to name a few have written of hunderds of thousands with no deficiency judgement against our military veterans.

What makes USAA diferent?

Is USAA concerned about our nations security? What about just doing the right thing?

USAA needs to change their policy towards military members facing financial hardships and get in line with other banks giving our military members the respect they deserve.

If I were looking to purchase a home using a VA Loan or any loan for that matter, car, boat, motorcycle, whatever; knowing what I know now about USAA Federal Savings Bank; I would seek another lender to do business with.

Respectfully,
Terry Hughes
RE/MAX Gold
(707) 249-8688
http://www.solanohomefinder.com/
http://travisafbhomes.com/
http://travisloans.com/
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Vacaville CA Real Estate Homes for Sale
Fairfield CA Real Estate Homes for Sale
Travis AFB PCS Services and Relocation

2006 Senator Barrack Obama said what?

2011-07-25T15:02:00.000-07:00

We are all fascinated by the debt talks yes? Lets please remember a little recent history of the man who was campaigning for change shall we. Please keep in mind I'm not against the debt talks and I certainly feel like we've gotten off the subject of what's in the best interest of America. It seems like President Obama forgot what got him elected yes? Is this a sign of his leadership has failed as he suggest with his own comments below? I think President Obama may have forgotten these words. As an American I think it's wise to remind President Obama that what he says and his actions need to have congruency.

The fact that we are here today to debate raising America ’s debt limit is a sign of leadership failure. It is a sign that the US Government can not pay its own bills. It is a sign that we now depend on ongoing financial assistance from foreign countries to finance our Government’s reckless fiscal policies. Increasing America ’s debt weakens us domestically and internationally. Leadership means that ‘the buck stops here. Instead, Washington is shifting the burden of bad choices today onto the backs of our children and grandchildren. America has a debt problem and a failure of leadership. Americans deserve better. Guess who said that?

– Senator Barack H. Obama, March 2006

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Terry Hughes
RE/MAX Gold
(707) 249-8688
http://www.SolanoHomefinder.com
http://www.TravisAFBhomes.com
http://www.TravisLoans.com
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Vacaville CA Real Estate Homes for Sale
Fairfield CA Real Estate Homes for Sale
Travis AFB PCS Services and Relocation

Short Sale Victory, Foreclosure Options

2011-07-19T12:36:00.000-07:00

Short Sale Victory, California Real Estate

The following is great news for all families looking into or in the process of a short sale.

Please read it completely as this is a great short sale victory for all California home owners.

Gov. Jerry Brown signed his second real estate related bill last week, SB 458.
http://www.car.org/newsstand/newsreleases/sb458/

CALIFORNIA ASSOCIATION OF REALTORS® applauds Gov. Brown on signing SB 458 into law

LOS ANGELES (July 15) - The CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.) applauds Gov. Jerry Brown on signing SB 458 (Corbett) into law. SB 458 extends the protections of SB 931 (2010), to ensure that any lender that agrees to a short sale must accept the agreed upon short sale payment as payment in full of the outstanding balance of all loans.

Under previous law (SB 931 of 2010), a first mortgage holder could accept an agreed-upon short sale payment as full payment for the outstanding balance of the loan, but unfortunately, the rule did not apply to junior lien holders. SB 458 extends the protections of SB 931 to junior liens.

"The signing of this bill is a victory for California homeowners who have been forced to short sell their home only to find that the lender will pursue them after the short sale closes, and demand an additional payment to subsidize the difference," said C.A.R. President Beth L. Peerce. "SB 458 brings closure and certainty to the short sale process and ensures that once a lender has agreed to accept a short sale payment on a property, all lienholders - those in first position and in junior positions - will consider the outstanding balance as paid in full and the homeowner will not be held responsible for any additional payments on the property."

SB 458 contains an urgency clause making it effective upon signing.

Danny Bernardini

Government Affairs Director

Northern Solano County Association of REALTORS®

Here are some free tools to help you determine what's best for you and your family.

If you think you may have to foreclose, think again a short sale my be your best option. Doe's a short sale make sense? Find out at ShortSaleSense.com

http://www.shortsalesense.com/

There are many more foreclosure options: http://www.solanohomefinder.com/foreclosure-options.htm

http://www.solanoforeclosurehelp.com/

All services are free to you, including free representation from a certified professional.
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Terry Hughes, Realtor, GRI, SRES, CDPE
RE/MAX Gold
(707) 249-8688

http://www.solanohomefinder.com/
http://travisafbhomes.com/
http://www.travisloans.com/
http://www.shortsalesense.com/
http://www.solanoforeclosurehelp.com/
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Vacaville CA Real Estate Homes for Sale
Fairfield CA Real Estate Homes for Sale
Travis AFB PCS Services and Relocation

PCSing To Travis AFB

2011-01-08T20:27:00.000-08:00

PCSing to Travis AFB (Travis Air Force Base) Do you have orders to Travis Air Force Base. If so you may want to know what your BHA (Base Housing Allowance) is? You may also want to know what kind of off base housing opportunities exist near Travis AFB. Here's a list of your new BHA benefits by rank with and without dependents.

As you know your BAH pay can be used to rent or purchase a home.
Below are BAH rates for Travis Air Force Base as of Jan 1, 2011

Rank BAH Without Dependent    BAH With Dependent
E-1     $1251                                $1578
E-2     $1251                                $1578
E-3     $1251                                $1578
E-4     $1251                                $1578
E-5     $1455                                $1605
E-6     $1557                                $1743
E-7     $1581                                $1842
E-8     $1632                                $1953
E-9     $1674                                $2094
W-1    $1569                                $1746
W-2    $1629                              $1887
W-3    $1680                              $2022
W-4    $1767                                $2121
W-5    $1869                                $2241
O-1E   $1605                                $1866
O-2E   $1665                                $2001
O-3E   $1743                                $2139
O-1     $1554                                $1620
O-2     $1596                                $1740
O-3     $1692    $2016
O-4     $1854                                $2286
O-5     $1917    $2478
O-6     $2022        $2502
O-7     $2061                                $2526

PCSing to Travis AFB? Let local real estate agent Terry Hughes provide you with an excellent military relocation package. Terry has put together set of items to help you get acquainted with Travis AFB and the local communities nearby. Terry's PCS Package has been specially tailored for military families relocating to the Travis Air Force Base (Travis AFB) area.

Do you want to look at housing around Travis Air Force Base? Do you know that some companies will only show their listings to you. Here are the links to every local home listed for sale in this market. These links are live and update daily. They are tied to the local multiple listing service that all real estate companies use. You will have complete access to every home on the market.

Vacaville homes for sale. 10 minutes from base

Fairfield homes for sale. 10 minutes from base

Green Valley homes for sale. 15 minutes from base
Suisun City homes for sale. 8 minutes from base

Dixon homes for sale. 25 minutes from base

Vallejo homes for sale. 30 minutes from base

Benicia homes for sale. 30 minutes from base

American Canyon homes for sale. 35 minutes from base
Napa homes for sale. 35/45 minutes from base
Rio Vista homes for sale. 35 minutes from base

If you are looking for homes to rent Terry Hughes has a few companies that can help you. Please email Terry and ask for his special rental property reference list. Email Terry

With all military relocation's some duty stations seem to stand out better then others. The proximity of Travis AFB to the greater San Francisco Bay Area. Sacramento Region and the Tahoe Resorts make this a stand out in the States. I hope you enjoy your new home here with us. As a Military Veteran and Patriot I'm always available to help our military members PCSing to Travis AFB

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Terry Hughes
RE/MAX Gold
(707) 249-8688
http://www.SolanoHomefinder.com
http://www.TravisAFBhomes.com
http://www.TravisLoans.com
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Vacaville CA Real Estate Homes for Sale
Fairfield CA Real Estate Homes for Sale
Travis AFB PCS Services and Relocation

Travis AFB Homes/Off Base Housing.

2011-01-07T11:21:00.000-08:00

Travis AFB Homes/Off Base Housing. The housing market around Travis AFB is ideally suited for our military members. With low home prices and low interest rates many military personnel stationed at Travis AFB can afford to own homes for less then their Base Housing Allowance. Some concerns with home ownership while serving have to do with PCSing. Although PCSing is a real possibility this concern is mitigated in this way. Travis AFB Homes/Off Base Housing is easily rented to other members of our military. Some members of the military own homes at other bases and wish only to rent a nice home off base. Others have not caught the vision of these low market prices coupled with low interest rates. The current market makes perfect sense to many of my military clients who have an eye on their future. When you can own a home for the cost of rent money it makes great financial sense. Even if you PCS and you need to rent out your home you benefit from someone else paying your mortgage. Travis AFB Homes/Off Base Housing is very affordable and worth your serious consideration if you are stationed at Travis AFB or planning to PCS to Travis AFB. To find out more information about VA Loans and other types of financing visit www.TravisLoans.com To view every home on the market visit Travis AFB Homes/Off Base Housing---
Terry Hughes
RE/MAX Gold
(707) 249-8688
http://www.SolanoHomefinder.com
http://www.TravisAFBhomes.com
http://www.TravisLoans.com
---
Vacaville CA Real Estate Homes for Sale
Fairfield CA Real Estate Homes for Sale
Travis AFB PCS Services and Relocation

Yountville Homes For Sale

2011-01-06T19:19:00.000-08:00

Yountville homes for sale is a link to this great upscale community located North of Napa CA. on highway 29. Yountville is part of the Napa Counties Wine grower community, however most of the towns revenues reportedly come from tourism. Yountville California is also home to "Taste of Yountville" which astonishes visitors each year with award winning entertainment, gourmet restaurant cuisine, fine wines and micro-brews. Yountville visitors have an opportunity to walk between exhibits and attractions during the Mustard Festival, which is worth your serious consideration when touring northern California's wine country. "Taste of Yountville" is held during Napa's Mustard Festival from January through March, this time of year the country side is vibrant and beautiful with vivid colors of musturd. Yountville is a small town by many comparisons with just 3000 residents and that includes residents of the Veterans Retirement Facility. Yountville homes for sale are not always priced so small though, however; our current economic downturn is creating great opportunities in Yountville. Yountville is one of the finest upscale communities you'll find. If you are looking for real estate in Yountville you may have to pay a higher premium for it, but; consider this. Every area in the country has been hit with a down market. Yountville homes for sale have not been exempt from this downturn in real estate prices. You may find a great investment deal in Yountville California, it's definitely worth looking into. Yountville is a great community to live in, close to Napa City and maintaining a small town feel. To find great real estate deals in this exclusive area, click the highlighted link Yountville Homes For Sale.

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Terry Hughes
RE/MAX Gold
(707) 249-8688
http://www.SolanoHomefinder.com
http://www.TravisAFBhomes.com
http://www.TravisLoans.com
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Vacaville CA Real Estate Homes for Sale
Fairfield CA Real Estate Homes for Sale
Travis AFB PCS Services and Relocation

Affordable homes for sale in Benicia CA from $200,000 to $300,000

2011-01-06T17:53:00.000-08:00

Affordable homes for sale in Benicia CA from $200,000 to $300,000. With today's lower interest rates coupled with very low home prices it's realistic to own a great home for the cost of rent money. In addition many homes are priced perfectly for investment opportunities, allow the savvy buyer an opportunity to build a real estate porfolio or add to one. With affordable homes for sale in Benicia CA from $200,000 to $300,000 there are many great buys. Many of these homes have been refurbished by the current owner who is looking to short sale or by the previous owner who was foreclosed on. It makes sense to look into this buyers market with your eyes on the real deals in the marketplace. Click the highlighted link to find the opportunities for affordable homes for sale in Benicia CA from $200,000 to $300,000.

Affordable Homes for sale in Napa CA from $200,000 to $300,000

2011-01-06T17:36:00.000-08:00

Affordable Homes for sale in Napa CA from $200,000 to $300,000. With today's lower interest rates coupled with very low home prices it's realistic to own a great home for the cost of rent money. In addition many homes are priced perfectly for investment opportunities, allow the savvy buyer an opportunity to build a real estate porfolio or add to one. With affordable homes for sale in Napa CA from $200,000 to $300,000 there are many great buys. Many of these homes have been refurbished by the current owner who is looking to short sale or by the previous owner who was foreclosed on. It makes sense to look into this buyers market with your eyes on the real deals in the marketplace. Click the highlighted link to find the opportunities for affordable homes for sale in Napa CA from $200,000 to $300,000.

Affordable homes for sale in American Canyon CA from $200,000 to $300,000 with 3+ bedrooms.

2011-01-06T16:48:00.000-08:00

Affordable homes for sale in American Canyon CA from $200,000 to $300,000 with 3+ bedrooms. With today's lower interest rates coupled with very low home prices it's realistic to own a great home for the cost of rent money. In addition many homes are priced perfectly for investment opportunities, allow the savvy buyer an opportunity to build a real estate porfolio or add to one. With affordable homes for sale in Suisun CA from $200,000 to $300,000 there are many great buys. Many of these homes have been refurbished by the current owner who is looking to short sale or by the previous owner who was foreclosed on. It makes sense to look into this buyers market with your eyes on the real deals in the marketplace. Click the highlighted link to find the opportunities for affordable homes for sale in Suisun CA from $200,000 to $300,000 with 3+ bedrooms.

Affordable homes for sale in Suisun CA from $200,000 to $300,000 with 3+ bedrooms.

2011-01-06T16:35:00.000-08:00

Affordable homes for sale in Suisun CA from $200,000 to $300,000 with 3+ bedrooms. With today's lower interest rates coupled with very low home prices it's realistic to own a great home for the cost of rent money. In addition many homes are priced perfectly for investment opportunities, allow the savvy buyer an opportunity to build a real estate portfolio or add to one. With affordable homes for sale in Suisun CA from $200,000 to $300,000 there are many great buys. Many of these homes have been refurbished by the current owner who is looking to short sale or by the previous owner who was foreclosed on. It makes sense to look into this buyers market with your eyes on the real deals in the marketplace. Click the highlighted link to find the opportunities for affordable homes for sale in Suisun CA from $200,000 to $300,000 with 3+ bedrooms.

Affordable homes for sale in Dixon CA from $200,000 to $300,000 with 3+ bedrooms.

2011-01-06T16:19:00.000-08:00

Affordable homes for sale in Dixon CA from $200,000 to $300,000 with 3+ bedrooms. With today's lower interest rates coupled with very low home prices it's realistic to own a great home for the cost of rent money. In addition many homes are priced perfectly for investment opportunities, allow the savvy buyer an opportunity to build a real estate portfolio or add to one. With affordable homes for sale in Dixon CA from $200,000 to $300,000 there are many great buys. Many of these homes have been refurbished by the current owner who is looking to short sale or by the previous owner who was foreclosed on. It makes sense to look into this buyers market with your eyes on the real deals in the marketplace. Click the highlighted link to find the opportunities for affordable homes for sale in Dixon CA from $200,000 to $300,000 with 3+ bedrooms.

Affordable Homes For Sale In Green Valley CA from $200,000 to $300,000 with 3+Bedrooms

2011-01-06T16:12:00.000-08:00

Affordable homes for sale in Green Valley CA from $200,000 to $300,000 with 3+ bedrooms. With today's lower interest rates coupled with very low home prices it's realistic to own a great home for the cost of rent money. In addition many homes are priced perfectly for investment opportunities, allow the savvy buyer an opportunity to build a real estate portfolio or add to one. With affordable homes for sale in Green Valley CA from $200,000 to $300,000 there are many great buys. Many of these homes have been refurbished by the current owner who is looking to short sale or by the previous owner who was foreclosed on. It makes sense to look into this buyers market with your eyes on the real deals in the marketplace. Click the highlighted link to find the opportunities for affordable homes for sale in Green Valley CA from $200,000 to $300,000 with 3+ bedrooms.

Affordable Homes For Sale In Vacaville CA from $200,000 to $300,000 with 3+Bedrooms

2011-01-06T14:49:00.000-08:00

Homes for sale in Vacaville CA from $200,000 to $300,000 with 3+ bedrooms. With today's lower interest rates coupled with very low home prices it's realistic to own a great home for the cost of rent money. In addition many homes are priced perfectly for investment opportunities, allow the savvy buyer an opportunity to build a real estate portfolio or add to one. With affordable homes for sale in Vacaville from $200,000 to $300,000 there are many great buys. Many of these homes have been refurbished by the current owner who is looking to short sale or by the previous owner who was foreclosed on. It makes sense to look into this buyers market with your eyes on the real deals in the marketplace. Click the highlighted link to find the opportunities for affordable homes for sale in Vacaville from $200,000 to $300,000 with 3+ bedrooms.

Affordable Homes For Sale In Fairfield CA from $200,000 to $300,000 with 3+Bedrooms

2011-01-06T14:44:00.000-08:00

Homes for sale in Fairfield CA from $200,000 to $300,000 with 3+ bedrooms. With today's lower interest rates coupled with very low home prices it's realistic to own a great home for the cost of rent money. In addition many homes are priced perfectly for investment opportunities, allow the savvy buyer an opportunity to build a real estate portfolio or add to one. With affordable homes for sale in Fairfield CA from $200,000 to $300,000 there are many great buys. Many of these homes have been refurbished by the current owner who is looking to short sale or by the previous owner who was foreclosed on. It makes sense to look into this buyers market with your eyes on the real deals in the marketplace. Click the highlighted link to find the opportunities for affordable homes for sale in Fairfield CA from $200,000 to $300,000 with 3+ bedrooms.

Affordable Homes For Sale In Vallejo CA

2011-01-06T14:39:00.000-08:00

Homes for sale in Vallejo CA from $200,000 to $300,000 with 3+ bedrooms. With today's lower interest rates coupled with very low home prices it's realistic to own a great home for the cost of rent money. In addition many homes are priced perfectly for investment opportunities, allow the savvy buyer an opportunity to build a real estate portfolio or add to one. With affordable homes for sale in Vallejo CA from $200,000 to $300,000 there are many great buys. Many of these homes have been refurbished by the current owner who is looking to short sale or by the previous owner who was foreclosed on. It makes sense to look into this buyers market with your eyes on the real deals in the marketplace. Click the highlighted link to find the opportunities for affordable homes for sale in Vallejo CA from $200,000 to $300,000 with 3+ bedrooms.