Short sale or loan modification? What if I have to choose? What is the next step if my loan modification is turned down? These are questions that are on the minds of many as we go into 2012 and I can help answer your questions individually and confidentially. 

It is going to be a great year.  Yes, I said it! One way to make this happen is to stop listening to the bad news on the television or in the newspaper!  The truth is that sales have been up in California for seven months in a row.  Consumer confidence is on the rise and the American people are figuring out how to make  necessary adjustments, if necessary, and are moving forward in their lives regardless of the obstacles they are facing!

The truth is that we are resilient people and we will not be beaten down by the economy or the negativity that threatens to consume us daily.  There are solutions to many more of our problems than we think and it is important to speak to someone who can help put things into perspective for you if you are struggling with a decision.

If you know someone who has been unsuccessful with a loan modification or is behind in their mortgage payments,  ask them to give me a call or contact me by email,  and I will help them sort through their options before it is too late to do anything at all.  There are options available other than foreclosure and there are no fees for my consultations.  Beware and warn your friends and family against anyone who is charging money up front with the promise of results.  This includes attorneys!  These are often scams and they can’t do anything for you that I can and will do at no cost to you.

Let me help you get past the pain of indecision and make 2012 a great year no matter what is going on around you! 

Nancy Puder is the owner and broker of Signature Properties, a distinguished real estate firm on the Central Coast of California.  You may contact her at (805)710-2415 or email Nancy@NancyPuder.com

When you decide to sell your home and invite an agent to come by to list the property, a good part of the appointment is centered around the Comparative Market Analysis (CMA).  If you are not familiar with this term, here’s a brief overview of how a CMA works…It’s all about your home versus every other comparable property in the immediate or surrounding area.  This is how agents help their sellers establish a realistic asking price.  Recently sold listings, listings that have expired and active listings all need to be taken into account while establishing an acceptable price range.

Active Listings are your competition.  A good move is to attempt to out-price your competitors as you address subtle differences in value between your home and the rest.

Expired listings should be considered since those are the ones that were in many cases overpriced and therefore, did not sell.  Recently sold or closed listings are the homes that made it to closing and obviously the successful ones.  It’s important to use these homes as an indicator as to how well your home will do in the current market.

I can’t stress enough how important it is to price your property correctly in the beginning.  One of the most frequent questions that I receive from prospective buyers is: How long has it been on the market?  If the buyer perceives that it’s been on the market for too long. They will often “low ball” their offer, assuming that you are either desperate or that there is something wrong or undesirable about the property.

When you are ready to discuss the CMA with your agent, be sure not to place much emphasis on anything that sold prior to three months ago.  If you sell your home, the majority of buyers will be obtaining a home and when the bank sends out an appraiser, he or she will only consider properties within that time frame.

I hope this information is helpful to you and just so you know, I’m never too busy for your referrals!

Nancy Puder is the owner/broker of Signature Properties, a prestigious real estate firm located at 124 S. Halcyon Rd., Arroyo Grande, CA 93420.  You may reach her at (805)710-2415 or visit the website at www.SignatureProperties1.com

A Spirit of Independence
In creating Signature Properties, the Central Coast’s premier independent real estate and property management company, Nancy embraced the spirit of independence. She did so not only in terms of not being affiliated with any of the large, corporate-owned real estate companies, but also in the unique culture and spirit of autonomy that defines the Signature Properties philosophy. Together with her husband and company co-owner, Larry, Nancy strongly believes that no two people are the same, and that’s why each client must be treated accordingly. There are no cookie cutters to found here.

“Some people only see black and white”, Nancy says. “I’ve always believed that life is shades of gray. Everybody has their own story, different situations, unique goals. It’s our job to find out what those things and then develop a plan of action to help them achieve them”.

A Wealth of Experience
Nancy began here real estate career in 1978, and since that time, she has excelled both in sales and property management. For many years, she worked under the banner of other companies, but soon found that her actions and ultimately, her potential, were limited in that scenario. That’s why Nancy and Larry empowered their agents and associates to do business as they see fit. The team of professionals at Signature Properties is comprised of knowledgeable experts who share Nancy and Larry’s philosophy and cherish the freedom they possess within their careers. The result is the ability to tailor their service to each client and achieve a higher level of satisfaction for both the client and themselves.

Full Service from Start to Finish
The associates at Signature Properties don’t believe in doing things halfway. That’s why, whether you’re buying or selling a home or taking advantage of Signature’s outstanding property management services, you can trust them to take care of all the details and make the entire process as smooth as possible. That’s the Signature way. “We do our homework up front”, Nancy says. “We always try to solve problems before they become problems”. For property management clients, that means finding a higher quality of tenant and going out of their way to ensure the satisfaction of both the tenant and the property owner.

High Standards, Distinctive Results
Throughout her career, Nancy Puder has always held herself to a higher standard. Today, those standards are reflected every time you see a Signature Properties sign in front of a home. That’s because Signature Properties sign in front of a home. That’s because Signature Properties doesn’t put its name on just any property; it has to be held to a certain standard of excellence. The same goes for each associate and staff member throughout the company. The result is a reputation for excellence in both the properties they represent and the level of service they provide.

For all your Central Coast real estate needs, don’t settle for an ordinary level of service. For Service as Unique as You, look no further than Signature Properties. Contact us today to schedule a private consultation.