Century 21 Award and Paramount Equity have teamed up this year at the San Diego County Fair to provide outstanding customer service to our United States Military, veterans past and present!

Our team will be waiting for you in “Exhibit Hall”…space 4245”. Come meet your team who are deeply devoted to our Military Heroes. We will help you obtain your well deserved VA loan and supply you with homes for review.

(Your Realtor, Terri)

Over 40 years of solid customer service and outstanding performance throughout Eastlake, Chula Vista, and San Diego County, these ladies have become a greatly sought out powerhouse within the Century 21 Real Estate Franchise, worldwide! Their skill, real estate knowledge, dedication, and focus towards each client’s needs are never compromised.

Terri enjoys spending quality time watching the sun set over The Sweetwater Lake with her husband of almost 30 years and her college age daughter. She loves fine dining or a simple barbeques. If she isn’t too busy with her community charity work, you’ll find her grabbing an old black or white movie to sit and relax with……. or making a mad dash to Downtown San Diego Civic Center to watch the latest theater show that hit this town. …Phantom of The Opera is her favorite.

Terri is a proud member of the La Paloma Eastern Star and Foothills Republican Women Federated, just to name a few. She gives back an enormous amount to many different causes especially those that promote the health and well being of our seniors. Recently, Terri was co-recognized by our military for her heartfelt and outstanding efforts in sending 100’s and 100’s of care packages to our troop abroad.

(Your Realtor, Linda)

At the young age of 16 years old, Linda attended real estate school and was well on her way in becoming a Realtor once she reached the legal required age of 18 years old. She became a real estate teacher, mentor, and manager for Century 21 at the age of 21. Linda found these demanding positions important to enhance the quality of the real estate profession. However, she felt nothing was more satisfying than or as important in real estate as servicing clients and customers with skill, knowledge and care.

Linda enjoys spending most of her free time working out in the gym or supporting different charities. Linda has an overwhelming passion in helping animals of all kinds and supporting our military troops. One of her most touching rescue stories was of 3 starving horses that she found while help rescuing people and animals during our last massive wildfire. She was able to get food and medicine to the horses, it took months but they recovered. When it comes to our troops, Linda is usually spearheading any program in support…she certainly appreciates and respects our men and women in uniform.

Terri and Linda are proud of their accomplishments in real estate and in their community work. They have earned an enormous amount of real estate awards from “Quality Service” certificates to “Double Centurion” trophies within their vast 40 year career. They both were honored by the United State of American Armed Forces for their support. Terri and Linda were presented with an American flag that was flown in their honor in the Green Zone, Baghdad Iraq. It was one of Terri and Linda’s proudest moments.

(Your Lender, Sherice)

Born and raised right here is beautiful San Diego, Sherice Grainger has become one of the most prominent lenders in our community. She is presently employed at Paramount Equity where its experience and expertise will benefit those who seek a new loan or refinancing.

Sherice comes from a large San Diego family deeply rooted in community service and devotion. Sherice’s 92 year old great grandmother resides in San Diego. Sherice’s grandmother has 9 children, 5 boys and 4 girls including a set of twins. On July 14^th, 2010 Sherice and her fun loving Panamanian husband Reggie gave birth to their cute bundle of joy, Chloe…. making it FIVE living generations in this powerhouse San Diego based family!

Sherice is known to show the utmost commitment and compassion towards each and every client, but the U.S. Military holds a special place in her heart. Sherice’s grandfathers both served in the Navy, her husband served TWICE (Marine and Army Guard) and her two twin aunts are active military duty. Aunt Kelly is in the Army and Aunt Terri is in the Air Force. Sherice has been a strong supporter and contributor to Paws for Purple Heart Wounded Warrior and their Service Dogs. She is also known for collecting canned food for the San Diego Food Bank. Our community greatly benefitted from her passionate charity work.

Sherice is an avid reader. After taking loving care of her clients, Reggie and the amusing and energetic Chloe, you might catch her reading the works of Shurtleff Holmes. If she is not reading, you’ll probably catch her humming a song composed by the talented Prince, her favorite artist. Most people that know Sherice can confirm, she loves to restaurant hop in search of discovering new foods…but sushi and steak are always pleasurable to her pallet.

Her father instilled a special core value in Sherice at a young age “We all have emotional bank accounts. The people in your life will either make a positive impact deposit or will withdraw a negative impact and you want to be the person making an emotionally positive deposit into the lives others. Sherice attends the well known “Rock” church which continues to reinforce this message.

Connect to Century 21 Award NOW.

Connect to Paramount Equity NOW

Century 21 Award and Paramount Equity have teamed up this year at the San Diego County Fair to provide outstanding customer service to our United States Military, veterans past and present!

Our team will be waiting for you in “Exhibit Hall”…space 4245”. Come meet your team who are deeply devoted to our Military Heroes. We will help you obtain your well deserved VA loan and supply you with homes for review.

(Your Realtor, Terri)

Over 40 years of solid customer service and outstanding performance throughout Eastlake, Chula Vista, and San Diego County, these ladies have become a greatly sought out powerhouse within the Century 21 Real Estate Franchise, worldwide!  Their skill, real estate knowledge, dedication, and focus towards each client’s needs are never compromised.

Terri enjoys spending quality time watching the sun set over The Sweetwater Lake with her husband of almost 30 years and her college age daughter.   She loves fine dining or a simple barbeques.  If she isn’t too busy with her community charity work, you’ll find her grabbing an old black or white movie to sit and relax with……. or making a mad dash to Downtown San Diego Civic Center to watch the latest theater show that hit this town. …Phantom of The Opera is her favorite.

Terri is a proud member of the La Paloma Eastern Star and Foothills Republican Women Federated, just to name a few.  She gives back an enormous amount to many different causes especially those that promote the health and well being of our seniors.    Recently, Terri was co-recognized by our military for her heartfelt and outstanding efforts in sending 100’s and 100’s of care packages to our troop abroad.

(Your Realtor, Linda)

At the young age of 16 years old, Linda attended real estate school and was well on her way in becoming a Realtor once she reached the legal required age of 18 years old.  She became a real estate teacher, mentor, and manager for Century 21 at the age of 21.  Linda found these demanding positions important to enhance the quality of the real estate profession.  However, she felt nothing was more satisfying than or as important in real estate as servicing clients and customers with skill, knowledge and care. 

Linda enjoys spending most of her free time working out in the gym or supporting different charities.  Linda has an overwhelming passion in helping animals of all kinds and supporting our military troops.  One of her most touching rescue stories was of 3 starving horses that she found while help rescuing people and animals during our last massive wildfire.  She was able to get food and medicine to the horses, it took months but they recovered.  When it comes to our troops, Linda is usually spearheading any program in support…she certainly appreciates and respects our men and women in uniform.

Terri and Linda are proud of their accomplishments in real estate and in their community work.  They have earned an enormous amount of real estate awards from “Quality Service” certificates to “Double Centurion” trophies within their vast 40 year career.  They both were honored by the United State of American Armed Forces for their support.  Terri and Linda were presented with an American flag that was flown in their honor in the Green Zone, Baghdad Iraq.  It was one of Terri and Linda’s proudest moments.

(Your Lender, Sherice)

Born and raised right here is beautiful San Diego, Sherice Grainger has become one of the most prominent lenders in our community. She is presently employed at Paramount Equity where its experience and expertise will benefit those who seek a new loan or refinancing.

Sherice comes from a large San Diego family deeply rooted in community service and devotion. Sherice’s 92 year old great grandmother resides in San Diego. Sherice’s grandmother has 9 children, 5 boys and 4 girls including a set of twins. On July 14^th, 2010 Sherice and her fun loving Panamanian husband Reggie gave birth to their cute bundle of joy, Chloe…. making it FIVE living generations in this powerhouse San Diego based family!

Sherice is known to show the utmost commitment and compassion towards each and every client, but the U.S. Military holds a special place in her heart. Sherice’s grandfathers both served in the Navy, her husband served TWICE (Marine and Army Guard) and her two twin aunts are active military duty. Aunt Kelly is in the Army and Aunt Terri is in the Air Force. Sherice has been a strong supporter and contributor to Paws for Purple Heart Wounded Warrior and their Service Dogs. She is also known for collecting canned food for the San Diego Food Bank. Our community greatly benefitted from her passionate charity work.

Sherice is an avid reader. After taking loving care of her clients, Reggie and the amusing and energetic Chloe, you might catch her reading the works of Shurtleff Holmes. If she is not reading, you’ll probably catch her humming a song composed by the talented Prince, her favorite artist. Most people that know Sherice can confirm, she loves to restaurant hop in search of discovering new foods…but sushi and steak are always pleasurable to her pallet.

Her father instilled a special core value in Sherice at a young age “We all have emotional bank accounts. The people in your life will either make a positive impact deposit or will withdraw a negative impact and you want to be the person making an emotionally positive deposit into the lives others. Sherice attends the well known “Rock” church which continues to reinforce this message.

Connect to Century 21 Award NOW.

Connect to Paramount Equity NOW

The Treasury Department released a new report Monday highlighting the results of its flagship Home Affordable Modification Program (HAMP). Nearly 910,000 homeowners have received a permanent HAMP modification to date, saving an estimated $9.9 billion in monthly mortgage payments.

Treasury says borrowers now entering HAMP have a better chance of earning a permanent modification and realizing long-term success. Eighty-three percent of eligible homeowners that signed on to HAMP since June 2010 have received a permanent modification, with an average trial period of 3.5 months.

Treasury’s Making Home Affordable Unemployment Program (UP) provides a temporary forbearance to homeowners who’ve lost their jobs. Under Treasury guidelines, unemployed homeowners must be considered for a minimum of 12 months’ forbearance. So far, servicers have initiated 16,633 UP forbearance plans.

The government’s Second Lien Modification Program (2MP) was also prominently featured in this month’s report. Treasury says 47 percent of eligible second liens have received a 2MP modification, with many of the remaining second liens still in the evaluation process, awaiting homeowner response to the 2MP offer, or awaiting conversion of the first lien HAMP trial to permanent status.

To discuss all your options, contact us

The Federal Housing Administration (FHA) is extending the temporary waiver of its property anti-flipping rule through the end of 2012.

FHA rules typically prohibit insuring a mortgage on a home owned by the seller for less than 90 days. In 2010, however, the agency waived this regulation, and later extended the waiver through 2011.

The new extension announced late last week will permit buyers to continue to use FHA-insured financing to purchase HUD-owned and bank-owned properties, no matter how long the homeowner has held the title, through December 31, 2012.

FHA says the waiver will allow homes to resell as quickly as possible, helping to stabilize real estate prices and revitalize communities experiencing high foreclosure activity.

Since the original waiver went into effect on February 1, 2010, FHA has insured nearly 42,000 mortgages worth more than $7 billion on properties resold within 90 days of acquisition.

The agency says its own research has found that in today’s market, acquiring, rehabilitating, and reselling foreclosed properties to prospective homeowners often takes less than 90 days.

As a result, FHA says prohibiting the use of its mortgage insurance for a subsequent resale within 90 days would adversely impact the willingness of sellers to consider offers from potential FHA buyers, namely because they would be required to cover holding costs and the risk of vandalism that comes with allowing a property to sit vacant over a 90-day period of time.

Interested in buying bank owned homes, call us.

Data released by Lender Processing Services (LPS) Thursday shows mortgage delinquencies are continuing to decline, now nearly 30 percent below their January 2010 peak.

Loans in the process of foreclosure, on the other hand, are steadily rising. LPS says foreclosure inventories reached an all-time high at the end of October, making up 4.29 percent of all active mortgages.

The average days delinquent for loans in foreclosure extended as well during the month of October, setting a new record of 631 days since last payment, while the average days delinquent for loans 90 or more days past due but not yet in foreclosure decreased for the second consecutive month.

LPS says judicial vs. non-judicial foreclosure processes remain a significant factor in the reduction of foreclosure pipelines from state to state, with foreclosure inventory percentages in non-judicial less than half that of their judicial counterparts.

This is largely a result of the fact that foreclosure sale rates in non-judicial states have been proceeding at four to five times that of judicial, LPS explained.

Non-judicial foreclosure states made up the entirety of the top 10 states with the largest year-over-year decline in non-current loans percentages. Arizona led the way with a 23.9 percent annual drop in non-current mortgages. California wasn’t far behind with a 20.2 percent decline, and in Nevada, non-current loans are down 19.1 percent from a year earlier.

LPS’ October data also showed that mortgage originations are on the rise, reaching levels not seen since mid-2010. Mortgage prepayment rates have also spiked, as much of the new origination is related to borrower refinancing. LPS says loans originated in 2009 and later are the primary drivers of the increase in refinances.

While origination activity for Federal Housing Administration (FHA) loans is down, GSE and FHA originations still account for the vast majority of all new loans – nearly nine out of every 10 new mortgages, according to LPS.

Contact us for your short sale alternatives.

WASHINGTON – Dec. 2, 2011 – Fannie Mae and Freddie Mac announced yesterday that they would suspend evictions of foreclosed single family and 2-4 unit properties from Dec. 19, 2011, through Jan. 2, 2012. While lenders will continue completing legal and administrative paperwork, no families will be thrown onto the street over the holidays.
“The holidays are meant for families to spend time together, especially if they’ve gone through the stress of financial challenges and foreclosure,” said Terry Edwards, Fannie Mae’s executive vice president of credit portfolio management. “No family should have to give up their home during this holiday season. Fannie Mae is committed to helping borrowers avoid foreclosure whenever possible and we encourage any homeowner who is having difficulty making their payment to reach out for help.”
While Fannie Mae and Freddie Mac back roughly half the mortgages in the U.S., some lenders also promised to place a moratorium on evictions over the holidays. Bank of America and Wells Fargo, for example, told CNNMoney that they had no plans to evict troubled homeowners before 2012.
Beyond altruism, the mortgage industry hopes to avoid bad publicity at a time of year when news stories focus on charity and kindness.
The eviction moratoriums apply only to owner-occupied homes.

Contact us to discuss your short sale options.

Contact us for you private consultation

CENTURY 21 Award's story could easily begin and end with the simple fact that pound for pound this Southern California based real estate brokerage lists and sells more real estate than any other Century 21 franchise in the world. In consideration of the fact that its parent company, Century 21, is the largest, most globally recognized real estate brand, it's no wonder homebuyers and sellers rely on this brokerage and their agents for their real estate needs.

That assumption however, would recklessly gloss over the principal ingredients that make CENTURY 21 Award a powerhouse worthy of note. Theirs is a story about people, a unique group of agents spread out across four Southern California counties (San Diego, San Bernardino, Orange and Riverside), whose singular focus of delivering an Award Winning Experience is attended to on a daily basis.

This unilateral ideal isn't accidental, it emanates from its President & CEO, David Romero, who is part of a new breed dedicated to refurbishing and advancing the provision of real estate services.

After graduating from Sacramento State with a degree in political science, Romero began his post-graduate career with a stint at the state capital in the employment of a U.S. Senator. However, the bureaucracy of politics and the volatility of working for elected officials was too restricting for David, whose penchant for change brought him back home to join his family's real estate practice. Being trained by one of the most successful and well-respected brokers in Santa Ana fueled his desire to bring about a better experience for anyone seeking real estate services.

The Romero family brokerage acquired several other local firms (CENTURY 21 Superstars in Orange and San Bernardino Counties as well as CENTURY 21 Award in San Diego and Riverside Counties) and for the last 13 years has grown the company into the most successful Century 21 brokerage in the world. This success is not only defined by sales but by what those sales reflect - a strict attention to the provision of extended services, better technologies, continued education and a band of agents dedicated to David's vision - one that provides an Award Winning Experience.

This is CENTURY 21 Award.

Contact us for a private consultation.

Contact us for your private consultation.

Water that sits or falls alongside a foundation can create problems in the basement of a house. If you don't have gutters on roofs or the roof can't have gutters to catch rain water and drain it away from the house, you must use another technique to protect the immediate border along the foundation from water so the basement stays dry.

Instructions

Things You'll Need

• Topsoil
• Heavy-duty black plastic sheeting (4 mil thick)
• Decorative mulch
• Caulk
• Caulking gun

• Cut down weeds and grass 3 feet  out from the foundation. Build up the ground so it is higher at the foundation and slopes downward away from the foundation. Use the topsoil to do this but tamp it down so it is firm

• Cut a piece of heavy-duty plastic sheeting the length that you need and 3 feet 3 inches wide. Lay the plastic down on the soil with 3 inches up against the foundation. Use a broom to clean dirt and debris from the concrete foundation.

• Fold the 3 inches of the plastic by the foundation over so the backside is visible. The plastic must be dry. Use a caulking gun to lay down a thick bead of caulk on the backside of the plastic as near the edge as possible. Press the plastic sheeting onto the wall so the caulk adheres to the foundation. Push down firmly on the caulking bead so it spreads out and sticks. Lay down 2 to 3 inches of decorative mulch to cover the plastic and hold it in place.

Contact us for more information.