The Short Road Home

Building Site

tiff2311 — Tue, 31 Aug 2010 22:45:23 +0000

Level to rolling site that needs improvements. Borders Tierra Oaks golf course and offers several building sites!

$149,950

MLS#10-3439

For more information on this listing or any other listing that you may have seen please contact Jean Hall at (530) 241-8300 Ext:112 or e-mail at hall@shasta.com

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DRE#006654241

Close to Sacramento River

tiff2311 — Tue, 31 Aug 2010 22:39:02 +0000

This home is in move in condition. Located in a senior park on the Sacramento River it can not get any better for your retirement! The home features a large kitchen open to the family room, formal living room and has been well maintained. This park offers RV and Boat storage, clubhouse, pool, sauna, shuffleboard, game room and have many activites. There is a calendar of events available if needed. The owner may carry!

2 Bedrooms

2 Baths

$29,500

MLS#10-3133

For more information on this listing or any other listing that you may have seen please contact Jean Hall at (530) 241-8300 Ext:112 or e-mail at hall@shasta.com

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DRE# 006654241

Move In Condition!

tiff2311 — Wed, 05 May 2010 17:03:05 +0000

Extremely clean mobile home located in a Senior Park located on the Sacramento River. This home is in move in condition with a split floor plan, large kitchen that includes an abundance of cabinets, breakfast bar and eating area. The RV park offers a boat storage area, clubhouse, pool, sauna, shuffleboard, game room, and several social activities such as; bingo, cribbage, bridge, and volleyball. A calendar list of events are available at the park office. Come take a look and find your new home today!

3 Bedrooms

2 Bathrooms

Listing Price $79,000

MLS# 10-2193

For more information on this listing or any other listing that you may have seen please contact Jean Hall at (530) 241-8300 Ext:112 or e-mail at
hall@shasta.com

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DRE#006654241

Home site ready to build!

tiff2311 — Wed, 05 May 2010 16:48:51 +0000

This is a wonderful home site that is ready to build on! Older mobile home on the property to be removed. Value is in the land. DO NOT ENTER the mobile home. Located in Shata Lake a perfect spot for the summer!

Listing Price $60,000

MLS#10-1904

For more information on this listing or any other listing that you may have seen please contact Jean Hall at (530) 241-8300 Ext:112 or e-mail at
hall@shasta.com

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DRE#006654241

Would you like some honey with that?

jeanhall — Wed, 09 Sep 2009 16:09:44 +0000

Palo Cedro Honey Bee Festival

It is time once again for the 29th annual honey bee festival in Palo Cedro, Ca. The event takes place at Bishop Quinn school on Saturday and Sunday September 12 & 13, 2009.

If you have not been to this event it is one that you will not want to miss out on this year. There is a lot more than just honey to look at and taste. Vendors from all over come to sell their crafts, jewlery,food, and much more! Take the time to make that short drive and bring the whole family for a day of fun, adventure and education of the honey industry of the North State.

For more information click on the link below:

2009 Honey Bee Festival

Rental Investment

jeanhall — Tue, 18 Aug 2009 17:59:13 +0000

All investors, come take a look at this perfect rental home!

4 bedrooms, 3 bathrooms, with a large living room, convenient kitchen and extra space with the garage conversion this home is all ready for an investor to buy and rent instantly.

4 Bedrooms/3 Bathrooms

MLS#10-3330

Price reduced to
$129,950

For more information on this listing or any other listing that you may have seen please contact Jean Hall at (530) 241-8300 Ext:112 or e-mail at hall@shasta.com

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DRE #006654241

Gold Hills Home Site

jeanhall — Tue, 28 Jul 2009 21:41:05 +0000

This is a beautiful double lot located in the Gold Hills Subdivision.On approximately 1/2 acre located at the end of the cul-de-sac for the ultimate privacy. A prime area of custom homes and potential for investment. Owner may carry

MLS# 09-3511

Price $199,950

For more information on this listing or any other listing that you may have seen please contact Jean Hall at (530) 241-8300 Ext:112 or
e-mail at hall@shasta.com

Thank you for visiting my site!
DRE#006654241

What to consider before refinancing?

jeanhall — Fri, 15 May 2009 21:46:47 +0000

There are a lot of advertisements right now about refinancing mortgages into lower interest loans. Some of the rates are less than 5 percent. What considerations should homeowners take into account when refinancing at this time?

Define your goals !

Many of the general rules of when to refinance have gone out the window with the recent developments. Values have come down but the historically low interest rates have many homeowners pondering their options. As with any substantial financial decision, a specialist in the field should be consulted regarding your specific situation.

That being said, here are some things to consider before you refinance:

Purpose and or goal:
Rate and term refinance is used to lower monthly payments without paying off any additional debt or walking away with “cash in hand.” A cash-out is when equity above the amount of the current mortgage is extracted with the new mortgage. Clearly define which you are considering.

Monthly savings vs. cost of refinance:
A time-to-recover cost formula can be applied. If your potential savings is $300 a month and refinance costs are $3,000 it will take ten months to “break even.” Also consider additional monthly savings if you are planning on taking cash out to pay off other debt.

Potential changes of current rate:
If you have an adjustable rate that will change in the near future, you might consider locking in at today’s low rates. Even if your current rate is great, a possible change to the upside may warrant locking in now.

Potential changes in income/employment:
If you face a possibility of furloughs or layoffs in the near future, it might make sense to try to qualify now before the change in income takes affect.

Changes in home value:
Yes, values are down. There is a chance that in some areas pending foreclosures could force values down even further. Appraised value has a large influence on ability to qualify for refinancing. Talk to a mortgage professional now to determine whether your area is at risk for further value reductions.

Unexpected need for cash:
Sometimes the home is the best available resource for one-time big expenses such as education. Always consider the cost of funds from other resources before making your decision.

Availability of “short window” financial opportunities:
If you have substantial equity, many are finding the lower prices and lower interest rates are creating a prime opportunity to use equity to purchase a rental or second home. Talk to your mortgage professional and Realtor to explore this “perfect storm” investment possibility.

Reverse mortgage for seniors:
A type of refinance for homeowners over the age 62 that can be used to eliminate mortgage payments and possibly make equity available in the form of lump sum, credit line or monthly payments. This is a complex product that should be considered only after consultation with a reverse specialist.

When shopping for the best rate available, keep in mind that interest rates change daily and sometimes several times a day. Advertised rates may not apply to your situation. Variables that influence actual note rate include: FICO score, loan to value, loan amount, occupancy and purpose of the refinance. Call local professionals on the same day to get an accurate comparison for your situation. Also keep in mind that a local professional can help with your credit, appraisal and title issues should the need arise during your transaction.

Published in the Record Searchlight on 4/5/2009

Mark Gonzzigli
Mortgage Consultant
Vitek Mortgage
Redding

First Time Buyer?

jeanhall — Fri, 15 May 2009 20:46:45 +0000

This affordable home is perfect for the first time buyer! It is a smaller home that offers a ton of charm and for the right person would be a great way to start the home owner experience. The home has be recently remodeled and has new interior paint. The four bedrooms give the home a lot of potential and the large living room gives it a warm feeling. A little TLC will take this opportunity a long way so call for a showing today and take a look at your instant equity!

4 Bedrooms/1 Bathroom

MLS# 10-614

Price reduced to $99,500

For more information on this listing or any other listing that you may have seen please call or email Jean Hall at (530)241-8300 Ext:112 or hall@shasta.com.

Thank you for visiting my site!
DRE#006654241

What to do in a volatile market?

jeanhall — Tue, 11 Nov 2008 05:16:24 +0000

What advise do you have for investors during this economic crisis? Hold on to investments? Sell? Diversify?

Establish Your Goals

Luck is not the strategy and times like this separate investors who value excellence in investment management from those who rely more upon luck than skill. Assess your investment practices to determine whether you are prepared to make prudent decisions in this crisis.

Are your investment objectives, time horizon, and risk tolerance clearly defined? Is your investment allocation and style of management clearly defined? Are you using non correlated investments or limiting yourself to stock market investments? Are the roles and responsibilities of all interested parties (investor, adviser, manager, custodian) clearly defined? Are you the actual decision maker or have you retained an investment adviser (fiduciary) to handle the difficult choices? Do you have clearly defined watch-list procedures for determining when to sell investments or terminate managers? Do your performance reports allow you to easily understand the risk/return characteristics of your portfolio? All of these things should be clearly defined in your investment policy statement. Without this information you cannot know whether it’s prudent to buy, sell or hold in this crisis. This crisis is serious and if protecting your interests and preserving your opportunities is a priority, then assess the quality of your investment decisions and progress to the next level of investment management.

Lewis Chamberlain, AIF

Next Level Investment

Published in the Record Searchlight on October 12, 2008