George Kininmonth

Generally, the property will be listed as a short sale first and then if it does not sell, it will go to foreclosure. So you could bid while a short-sale is in process. However, getting through to the lender during this time is hard even for an agent; as it may not be in your state and it has to go through a variety of hands and asset managers. If you need an agent or a quote on a mortgage loan, give me a call. There are many programs out there.
Good luck!
George 209-952-4574 - Fri Jul 18 2008, 14:54

Hi Melody,

Would have responded earlier, but I was out doing my job...showing buyer's homes. Very noble cause you have and if I can help you with your cause please give me a call. I would like to know more about your thoughts and visions. I represent buyer's and also secure financing - if that might also help you.

Not sure why an agent couldn't submit an offer to a listing agent, but I can assure you most agents wouldn't have that problem. In today's market, it's usually not the hours that matter, but the offers coupled with what the banks/owners adversion to risk is.

Call me and let's get started on your cause.

Respectfully,


George Kininmonth
Fowler Mortgage and Real Estate Company
209-952-4574 or 209-649-8114 - Sat Jul 12 2008, 15:45

The previous Realtors are sincere and if you would like honest and reliable financing quotes, give me a call as I do both, represent buyers and find the best financing terms. When you decide on a realtor, I would like to have a chance at securing your financing. Give me a call as my rates are wholesale and not retail.

Respectfully,

George Kininmonth 209-952-4574 - Wed Jul 9 2008, 10:54

No other way to say this. No. Your debt to income ratio is over allowable limits. Over half your income would be spent on your housing. And that's not taking into account any other debts you may have.

On a positive note: There are plenty of homes you can afford and you don't have to spend that much money. With 5% down you are in the driver's seat in today's market, but don't wait too long as market is rapidly changing and most properties are turning into bidding wars.

I can help you with both, finding a home and financing that home if interested. It's what I do. Call if interested in getting pre-approved - a must these days - if you are looking to buy. 16 years Better Business Bureau.

Respectfully,

George Kininmonth
209-952-4574 (please leave a message if I'm away from my phone.) - Fri Jun 27 2008, 13:46

Investing is investing. It is to make money. There are many safe neighborhoods in Stockton, some gated, some not.

FYI: Currently most homes and investment properties have bids on them. This is a far cry from only six months ago when listing agents were begging for offers. Stockton was hit hardest and now it appears to be turning around first as Stockton as had four consecutive months of increased home sales. Prices haven't been this low in 10 years.

If I can assist you further in your search for information and property, email me back or call me at 209-952-4574. Respectfully, George Kininmonth - Fri Jun 27 2008, 09:29