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Dickson Realty announced that Eagle Home Mortgage has become the preferred lender for their clients. As reported in the Reno Gazette Journal today, Eagle Home Mortgage is a full-service mortgage banker and subsidiary of Lennar Corporation in seven western states with offices in Reno. Eagle offers services to Dickson clients that include conventional and jumbo loans, fixed and adjustable rate mortgages. In addition they provide Federal Housing Administration and Veterans Affairs loan products, Rural Housing/USDA loans, renovation and manufactured housing financing and state bond loans.
Dickson Realty’s Caughlin Ranch, Damonte Ranch and Sparks offices have an Eagle Home Mortgage loan officer on-hand to help you.
If you have more questions, please call or write me an email!
Esther Ramage - Dickson Realty
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The Placer County Sheriff’s Office and Placer County Parking Enforcement issued a reminder that regardless of whether there is snow on the ground or not ( and, “Yes, Virginia….” it will snow eventually), it is illegal to park on any roadway from November 1st to May 1st.
This includes roadway shoulders, cul-de-sacs, etc. Your vehicle may be cited and/or towed if you are found in violation of this code. The only exception to this code is if signage indicates parking is allowed.
So make sure where you park is legal; otherwise you might end up looking at a parking ticket on your windshield — and no one wants that!
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Starting January 1, 2012, residential and commercial property sales in all of Placer County must participate in Section 303 of Rule 225, Wood Burning Appliances, Sale or Transfer of Real Property.
Section 303 prohibits the sale of real property with a non-EPA Phase II Certified free-standing woodstove. Non-compliant freestanding woodstoves do not have to be replaced or removed, but must be made permanently inoperable. Fireplaces, inserts, gas stoves, pellet stoves and dedicated cook stoves are exempt.
For more information on this mandatory measure, visit our website.
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(Bill Stevenson / Northstar-at-Tahoe)
You can once again ski or ride at huge discounts when you purchase Skiing for Schools lift tickets. Proceeds go directly to the Excellence in Education Foundation.
Lift tickets (non-refundable and purchased in advance) will be valid for any one day within a specified week at one of several local resorts.
For a list of resorts and dates plus more information on the Excellence in Education Foundation, visit our website and support our schools!
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Veterans day began as “Armistice Day” right after WWI. It is celebrated on November 11 because that is the date in 1918 that the war OFFICIALLY ended. It became an official holiday in 1954 when it was signed into law by President Eisenhower.
Reno will celebrate the holiday with a parade honoring our local military veterans who have served and protected our country. The theme of the parade this year is “Women in the military”.
Please join me and hundreds of others at the parade on Friday, 11-11-11 @ 11am (time the war officially ended) on Court & Virginia Street (downtown Reno) to cheer and thank those who help keep us FREE.
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Days are getting shorter, the weather is getting colder, and the holidays are right around the corner. Now is the time to make your house look the best and make the most out of selling your home. This time of year often signals a slowing down in the real estate market. What better time to make your home stand out from all the rest. Just a few simple things will put you ahead of the competition.
Paying attention to curb appeal is first and foremost. It is the first impression a buyer has as they pull up to your home. Make sure leaves are raked and shrubs and bushes are pruned. Plant some cold weather loving flowers such as mums or pansies to add color to a fading flower bed. Add some fall decorating with a pumpkin or two and a wreath. Too much decorating detracts from the house so keep it modest and simple. Just a touch goes a long way and helps a buyer envision themselves living there instead of focusing on your decorations.
Lighting is also very important with shorter daylight hours. Open the blinds during the day to bring in as much light as possible. Make sure exterior and interior lights are on for later in the day showings. Set the thermostat at a comfortable temperature. Buyers won’t linger for very long if they are freezing to death and the house is dark. If there is a fireplace make it a focal point in the room. Light some scented candles. All of these things will make your home feel very welcoming and homey.
Another essential tip is to update your listing photos. Most of the time the buyer’s first impression of your home is online through photos. If your home has been listed for a while and the pictures were taken in the summer or winter your listing looks old and outdated. There is no better way to bring the life back to your listing and make it look new and exciting again. If you are just now considering selling take advantage of these tips and make the most of the season changing to make your house look its best.
Call or email me today for some additional tips and advice or to discuss your selling options. 775.303.7871 or dboscarello@dicksonrealty.com
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President Obama has expanded the existing Home Affordable Refinance Program, HARP. According to Phillip van Doorn from “The Street”; “HARP is offered to mortgage borrowers who are current on mortgage loans that are guaranteed by Fannie Mae or Freddie Mac, whose home values have dropped so much that the current loan-to-value ratio is over 80%. The program has been extended through December, 2013, and is available for loans sold to Fannie or Freddie before May 31, 2009. Under the expanded 
HARP, borrowers will be able to refinance for up to 125% of a home’s current value, but the 125% loan-to-value cap will be removed during the first quarter of 2012.” The homeowner can ask their lending officer if their loan is owned by Fannie Mae or Freddie Mac or you can visit the links at the bottom of this post.
There is another key requirement to qualify for HARP. According to Mahesh Swaminathan, senior mortgage strategist at Credit Suisse, “You must have made the last six mortgage payments, and have missed no more than one payment in the last year. You also must have a job or another source of regular income”.
With the interest rates being in the low 4%, and even in the mid 3% for Adjusted Rate Mortgages, it might be a great time to call your lender and ask if this is the right time to lower your mortgage payment.
If you would like to know if your current mortgage is owned by Fannie Mae or Freddie Mac, plcase visit the following websites:
Fannie Mae
Freddie Mac
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It’s a great time to get your dream home, and yes, banks are lending! Currently there is a general perception that banks are not lending. This is not the case. There are many good programs available now.
According to Joni Rose, Mortgage Consultant with a 32 year track record with Wells Fargo, there are many great programs available. “Now is the time to get off the fence! Record low interest rates and the lowest sales prices in years!” Mrs. Rose said. “Buyers purchasing an owner occupied home can use a HomePath loan with 3% down without mortgage insurance. Or you may qualify for an FHA loan with 3.5% down, OR 100% financing for our VETERANS! On both programs the down payment can be gifted. Sellers may also contribute to cover some of your closing costs! Additional programs can be added to go hand-in-hand with FHA that will grant 3% of the sales price as down payment assistance, if purchasing in Sparks and outlying areas. This additional assistance may be NON-REPAYABLE! So, now is the time to take the leap!”
People hear about how difficult it is to get a loan, but a big part of that is clients now have to provide detailed information during the pre-approval process, as opposed to during the escrow. With so many options at your fingertips, it is always best to consult with a professional mortgage consultant. Please contact me if you would like to find out how I can help you achieve your dream home.
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We hear daily about the housing woes of our community but we don’t hear about all the amazing events and people that make our community one of the most special places to live in the country.
This evening, October 11, 2011, I have the honor to introduce
Mario Sepulveda, the leader of the 33 miners who survived in a collapsed mine, buried ½ mile underground for 70 d
ays in Northern Chile. It took rescuers almost 17 days just to initially locate them. I am sure you remember Mario, he was the second man to emerge as millions watched. He captured our hearts when he exited the rescue capsule chanting “Viva Chile!” at the top of his lungs
The eyes of the world turned to Chile on August 5, 2010 when the mine caved, leaving the 33 miners trapped inside. International press reported day and night carrying the news of an unlikely but miraculous rescue that united the world in wishing for the well being of the miners. It was an odyssey never experienced before. For a moment in time the world came together with the single goal “to save the 33 miners”. This unprecedented and united mission included both nations and individuals that made a rescue possible on October 13th.
Mario Sepulveda’s story of his last night in the mine and what he has been doing since the rescue is a compelling and uplifting story. It is a story of an accident that exemplifies courage, the fight against all odds and the triumph of the human spirit.
I am introducing Mr. Sepulveda on behalf of
The Latino Research Center, of which I sit on The Advisory Committee. The event is free to the public. Details below:
When: Tuesday, October 11, 2011 at 7:00pm
Where: Davidson Math and Science Center Nell J. Redfield Auditorium on the campus of UNR (
map link)
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Twenty One homes closed escrow during the month of July in the Tahoe Donner subdivision of Truckee, California.
Average sold price during the month was $568,542, up slightly from the average sold price in 2010 of $537,233.
With interest rates dropping and great properties being offered (currently 146 active on the market in Tahoe Donner), buyers are enjoying the shopping experience of finding their beautiful mountain home at great prices!
Great deal of the month: http://tsierra.paragonrels.com/ParagonLS/Default.mvc#1,1
To see all the great homes for sale, visit www.dicksontruckee.com
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Tuesday, January 17, 2012 By: Esther Ramage
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