Please take a moment to pray for the East Coast !

Team Sanchez, http://www.SanDiegoHouseShop.com/Contact    619-869-0588   
Hugo Sanchez Realtor. 
Your Chula Vista, San Diego Realtor 


In Lieu of the recent events happening to our Families, Friends and Clients in New York and the surrounding areas.
I would like to ask you all to take a little time of your busy day to pray and ask for all of them.  So that this tragic event won't claim any victims or very little and that the healing time be short for everybody. 

Also if you are somewhere else than New York.  
Appreciate what you have,  because you never know when something like that could happen to you. 




Attached there are some pictures and links to some of the main reports in New York !   Just Click on the picks 

This is a Picture from the New York Times 

This picture is from Battery Park ! 

Picture By the Coast reported by the Atlantic 

Picture taken by CNN Reporter. 

Hopefully once everything is over all those that can help, go out there and aid all our brothers and sisters on the East of the USA. 
We are strong and can Rebuild together!  

Thanks for your prayers!  


We are http://www. SanDiegoHouseShop.com 
My Name is Hugo Sanchez and I am A Realtor in South San Diego, Chula Vista and East San Diego.  If you ever need help buying or selling your home we are here to help. 

Thanks 

Team Sanchez  

Between Friends: You may Say What is the “The Responsible Homeowner...

Have you heard of " The Responsible Homeowner Refinancing Act of 2012"  contact us http://www.Sandiegohouseshop.com/contact

Between Friends: You may Say What is the “The Responsible Homeowner...: You may Say What is the   “The Responsible Homeowner Refinancing Act” Is this part of HARP 2.0 ?  Is this to Save may home ? Is this p...

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619-869-0588 

You may Say What is the “The Responsible Homeowner Refinancing Act”


Is this part of HARP 2.0 ?
 Is this to Save may home ?
Is this part of a new Government program ?
What is it?
Are you a have you been paying your mortgage on time?


 California Rep. Jim Costa (D-Fresno) introduced a bill that will let responsible homeowners take advantage of current low interest rates on mortgages and allow them to stay in their homes. 



This was introduced to us from out C.A.R. President  LeFrancis Arnold
Please see the info below, this may help you to get your home refinanced. According to this program. 

“The Responsible Homeowner Refinancing Act” aims to remove barriers that keep homeowners from refinancing through the Home Affordable Refinance Program (HARP) and level the playing field to allow banks to compete for borrowers’ business.  Costa’s bill is the House companion to legislation introduced last May by Sens. Barbara Boxer (D-CA) and Robert Menendez (D-NJ).  “The Responsible Homeowner Refinancing Act of 2012" would streamline and align the refinance processes of Fannie Mae and Freddie Mac and make it easier for homeowners who are current on their mortgage payments but who have been previously unable to refinance to finally take advantage of record low interest rates.  C.A.R. thanks Mr. Costa for introducing this important legislation.


Below is a excerpt of the actual "responsible Homeowner Refinancing Act"


The Responsible Homeowner Refinancing Act of 2012

There are nearly 13.5 million responsible borrowers in loans guaranteed by Fannie Mae and Freddie 

Mac who could benefit from refinancing at today’s low interest rates.  Although recent changes to the 

Home Affordable Refinance Program (HARP) were a step in the right direction, they left in place barriers 

that will keep millions of borrowers trapped in higher interest loans.  The Responsible Homeowner 

Refinancing Act (H.R. 6428) will build on these changes and further expand opportunities to access 

historically low interest rates for borrowers who make their mortgage payments on time.  

To remove the barriers preventing borrowers who are making their payments on time from refinancing 

their loans at the lowest rates possible, the bill would:

Remove barriers to competition

Under HARP, lenders who want to compete with the borrower’s current lender for that borrowers’ 

business continue to face stricter underwriting criteria and greater risk that the GSEs will force them 

to buy that loan back should the borrower default.  These different standards have posed a barrier 

to competition, resulting in higher prices and less favorable terms for borrowers.  A recent study by 

Amherst Securities Group found that HARP borrowers are paying more than half a percentage point 

more than borrowers with other types of loans.

This bill would direct the GSEs to require the same streamlined underwriting and associated 

representations and warranties for new servicers as they do for current servicers, leveling the 

playing field and unlocking competition between banks for borrowers’ business.  

Guarantee equal access to streamlined refinancing for GSE borrowers

For a copy of the Full act please contact us: 

Between Friends: Forecast 2013 for the Housing Market ! This is a...

What is it going to take for you to finally buy a Home in San Diego ? Check this video out http://www.sandiegohouseshop.com


Between Friends: Forecast 2013 for the Housing Market !
This is a...: Forecast 2013 for the Housing Market !   This is a very important and very informational report Brought to you by  C.A.R.  In thi...

Forecast for 2012 Housing Market !

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619-869-0588 

Forecast 2013 for the Housing Market !  

This is a very important and very informational report Brought to you by  C.A.R. 

In this report talks about how the market is going to fair form now to next Year. 

Home prices are going up and the inventory is Low. 

I you were on the fence as of should I buy now or later take a look at the Video made by  C.A.R. 

and you will be able to see what I am talking about! 

I am loving this year and I am going to love next year more!  

For any questions please contact us:

Between Friends: Things You Need to Know About the 3.8% TAXI kno...

Did you know about this new Real Estate Tax?  
If not contact us http;//www.SanDiegoHouseShop.com/contact


Between Friends:
Things You Need to Know About the 3.8%  TAX
I kno...: Things You Need to Know About the 3.8%  TAX I know by now you all heard about the health care reform that has included a new 3.8%  Re...

Things You Need to Know About the 3.8%  TAX

I know by now you all heard about the health care reform that has included a new 3.8%  Real Estate Tax.  There are a lot of things been said about this and in fact many aren't true. 

The President of C.A.R.(California Associations of Realtors).   Has put this list for us Realtors and for the  public to know what is going to exactly happen when this hits the streets. 

Please feel free to check the article Below by clicking on the writing. 

Learn the most important takeaways for REALTORS® when it comes to the 3.8% tax that's part of health care reform:  

 

1. When you add up all of your income from every possible source, and that total is less than $200,000 ($250,000 on a joint tax return), you will not be subject to this tax.
2. The 3.8% tax will never be collected as a transfer tax on real estate of any type, so you’ll never pay this tax at the time that you purchase a home or other investment property.
3. You’ll never pay this tax at settlement when you sell your home or investment property. Any capital gain you realize at settlement is just one component of that year’s gross income.

Also if you have any more questions please feel free to contact us: