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Gil Yanez Real Estate Blog

Everything You Need to Know, and Then Some,...........

By Gil Yanez | Agent in Oxnard, CA
  • Home Buyers Sellers Work On Your Own Terms

    Posted Under: Home Buying in Ventura County  |  March 23, 2012 2:52 PM  |  222 views  |  No comments


    I have had a few experiences with Agents the past year when a close friend had to sell his house.  It was a bit scary.   Alot of Agents going after the sale did not respect Sellers Privacy or Orders  that were on the MLS listing. 

    The friend was very disappointed in the "professional" service offered by many Agents/Realtors in the field.

    I would like to offer a different type of service for any Buyers or Sellers looking for a representative.
    Someone that would respect your schedule and preferences when working with you.
    To have someone who will work on your own terms on Buying and Selling.

    Follow link for brief description, and give me a ring if you want to work with an agent from this planet.

    Thanks for reading,  And good luck to you,

    Gil Yanez/United Realty Group

  • Finding Apt Units For Sale/How To?

    Posted Under: Agent2Agent in Ventura  |  March 8, 2012 9:41 PM  |  265 views  |  3 comments


    Am networking with investors looking to buy "off" market APT units.   Would like to network with Agents with inroads to such and other prime investment properties.

    Would definitely like to brainstorm on the best ways to prospect for them.

    Drop me a line here, to discuss.  Am looking forward to learning new things.

    Gil Yanez/United Realty Group

  • Third Dip In Housing Market? What Does it mean to You?

    Posted Under: Market Conditions in California  |  November 5, 2011 8:24 PM  |  574 views  |  2 comments

    Greeting Trulians,

    Recent forecasts show possible 3rd dip in market prices on the horizon, with most hardest hit markets again bearing most of the drop.  Parts of California, and Florida being primary targets.

    So what does this mean to the current possible Buyers/Sellers out there today?  Research your areas you wish to buy or sell in.   As a Buyer, dropping prices will afford you more time to focus on what areas and ammenities you need as a home buyer in your market, and to get your act together regarding your financing and credit history.

    As a seller?  Its up to what type of urgency you have in selling?  Sell now to avoid a further deciline in value depending on your markets forecast? Rent until the market corrects itself, which could be a few years. 

    Please read the article below in the link. 



  • Loan Mod Resources Once Bank Denies Client?

    Posted Under: Agent2Agent in California  |  March 29, 2011 10:14 PM  |  4,596 views  |  1 comment


    Have a client that has been in a load mod for over a year.  They finally settled on the fact that her numbers don't work in the banks favor and have told her she is out of appeals.

    I would like her to keep going, in attempting to Mod the Loan, there are 2 loans, at an orignal amount of about $2700.00,per mo.    Her trial was $ 1850. ( B Of A )

    I know of NACA, but if any professionals in Cal know of another source/option, feel free to chime in with any suggetions.

    Gil Yanez/Realtor


  • 20% Down on Some Mortgages?

    Posted Under: Financing in Los Angeles  |  March 6, 2011 2:25 PM  |  4,774 views  |  No comments


    Interesting read in The WSJ about stricter down payment rules being pushed by the Federal reserve and FDIC.  

    An article of interest for potential buyers delaying a move on a  purchase.

    Gil Yanez/Realtor
    United Realty Group



  • FHA Mortgages Lower Credit Score Requirements

    Posted Under: Financing in California City  |  February 9, 2011 8:52 PM  |  4,992 views  |  No comments

    Greeting trulians,

    From the CAR newsletter this week, an incentive to all potential home buyers waiting on the fence.

    A short and insightful read.

    RightArrow.gifWells Fargo lowers credit score requirement for FHA mortgages

    Wells Fargo recently announced that effective Jan. 15, 2011, it will accept FHA-insured mortgages for borrowers with credit scores as low as 500.  For borrowers with credit scores ranging from 500 to 579, a 10 percent down payment is required, and the down payment may not be a gift or be part of a down payment assistance program.  Borrowers with credit scores of 580 to 599 are required to put down 5 percent, and the down payment may not be a gift or part of a down payment assistance program. Borrowers with a credit score of 600 or higher are required to have a 3.5 percent down payment, and a gift is acceptable.  For all borrowers, seller concessions are limited to 3 percent.

    Gil Yanez/Realtor
    United Realty Group

  • Flawed Documents New Weapon For Distressed Home Owners,..

    Posted Under: Foreclosure in California  |  December 30, 2010 9:18 PM  |  4,914 views  |  No comments

    Greeting Trulians,

    The Following Article From BloomBerg.com is a great read.

    It Explains how Mortgage firms are pressing the Federal Reserve to control homeowners’ right to invalidate loans based on flawed documents -- a right consumer groups say is one of the few weapons distressed borrowers have  in the fight against unfair lending.

    Gil Yanez, Realtor
    United Realty Group


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