Welcome! Our Web-Site Brings Information on Rocklin, Granite Bay and Roseville, California Real Estate to Your Fingertips 

We want to be your real estate team of choice. As your trusted, professional real estate partner, we will help you find the best home in your area within your price range. Together, we will sell your home for as much as the market will bear, as quickly as possible! 

If you are Buying Roseville Real Estate, Selling Your Granite Bay Home , or just doing a MLS Property Search for the Rocklin, Granite Bay, Roseville, Loomis, or Auburn California area this web-site has the information you need to make educated decisions. We specialize in helping First Time Home Buyers, Sellers and Real Estate Investors achieve their real estate goals. Our combination of experience, technology and good old fashioned hard work assure you get the best deal on your real estate transaction. That's our job!  

Find out what Your Home is Worth! We specialize in Listing and Selling Homes and understand that customer service is the lifeline of our business. I guarantee that we will work hard to ensure your expectations are not only met, but exceeded. Let us show you how to take advantage of the Sacramento/ Placer County real estate market.
 

Sellers 

Avoiding Foreclosure:
If you are one of the many California homeowners who need to sell, but owe more on your home than it's worth, we can help! Through a process called a "Real Estate Short Sale" it's possible to sell your home quickly, avoid foreclosure/ bankruptcy, save your credit and walk away from your home without paying any commissions or upfront fees.  

Marketing Plan:
The Rothery Home Team develops an aggressive marketing plan customized to each of our listings...ask what we can do for you!
 

Buyers 

Instant Listings:
Tell us what you are looking for and we will send you new listings as soon as they hit the market.  

Foreclose List:
Looking for a great deal on your next home? Ask about our FREE Foreclosure List. 

Need personal help and expert advice? A web site cannot take the place of an expert Realtor. Just click on any of the many links to contact us for one-on-one expert help and advice. Buying and selling a home is one of the biggest events in your life. Please let us help. Call us at (916) 367-8186!  

- Mike Rothery, DRE #01847284
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Contact us with confidence! We guarantee your privacy will be respected. The services on this site are offered for free and without obligation because we want to be YOUR Realtor!  

California Real Estate Market News: 

Home Refinance and Loan Modification Plan
Source: California Association of Realtors, 4/20/09 

On March 4, 2009, the Obama Administration released detailed guidelines for homeowners to help them determine if they qualify for the Administration’s new Making Home Affordable plan. This is a follow up to the Administration’s announcement on February 18 outlining their plan to stem the current tide of foreclosures and stabilize the nation’s housing markets.  

The plan has two primary goals:  

1.To help homeowners in existing Fannie Mae or Freddie Mac loans that are current on their mortgage payments to refinance and take advantage of today’s lower interest rates. Many of these homeowners are unable to refinance because of lost appreciation in their homes due to the continuing decline in home prices. These homeowners still have equity in their home, just not the necessary 20% to get a refinance. Under the Administration’s plan, Fannie and Freddie will be allowed to refinance qualified homeowners up to a 105 percent loan-to-value of the current value of the home.  

2. To help homeowners who are at risk of foreclosure.The Administration is offering loan servicers and investors government assistance to help offset the cost of modifying qualified homeowners into affordable mortgages that will allow them to keep their homes. This may be done by reducing the mortgage interest rate, extending the term of the loan, principal forbearance, and/or principal cramdown. This program is voluntary and the servicers must agree to contracts with the Treasury to participate.  

In addition, the Government warns homeowners to beware of foreclosure rescue scams: 

- There should never be a fee charged for information or assistance regarding the Making Home Affordable Program. 

- Beware of anyone who says they can "save" your home if you sign or transfer over the deed to your home. Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt. 

- Never make your mortgage payment to anyone other than your mortgage company without their approval. 

6 Reasons Why It's Still a Good Time to Buy
The housing market is looking healthier. Here are six reasons why now is the time to jump into the market. 

1. Uncle Sam is willing to help. First-time buyers (defined as anyone who hasn’t owned a home in the last three years) are entitled to a maximum $8,000 tax credit; interest rates are at record lows; and the Federal Reserve is doing its best to make mortgage loans available.  

2. People have to live somewhere. About 800,000 new households are formed each year in this country, ensuring that the housing market will tighten, even if the economy doesn’t soar. 

3. Borrowers leverage their investment. If you put $10,000 into the stock market and it earns 10 percent, you’ve earned $1,000. If you put $10,000 down on a home and its values increases 10 percent, you’ve made $10,000. 

4. When prices come back up, you’ll have instant equity. In parts of the country where foreclosures have driven down prices, better times will mean the price of the home you buy will rise rapidly. 

5. Mortgage costs stay the same. If you get a fixed-rate mortgage, the monthly payment stays the same – while everything else, including rent, goes upward. 

6. You own it. There is something comforting in the notion that your home is your own. You can paint it any color you want, let the dog run in the back yard and hang a swing for the kids in the front. 

Source: The Wall Street Journal, June Fletcher (03/27/2009)
Here is a new article published by the Sacramento Bee:
Published: Saturday, Mar. 28, 2009 - 12:00 am | Page 7B 

New homebuyer tax credits, record low interest rates and a February spike in new- and existing home sales offer "preliminary signs that housing could be reaching a bottom," says a report from analyst Hanley Wood Market Intelligence. 

The Costa Mesa firm reported that a $200,900 median new-home price in the United States is the lowest since December 2003, and accounted for a 4.7 percent jump in sales over January. Sales of existing homes also climbed 5.1 percent nationally in February, Hanley Wood reported. 

That was the first time since July that both climbed simultaneously from the previous month. 

"While it is too early to assume the worst is over, the recent rebound in the equity markets indicate that at least some confidence has re-emerged," the report said. 

Regionally, February new-home sales figures aren't yet available from Hanley Wood. 

– Jim Wasserman 

Home Buyer Tax Credit:
California allocated $100,000,000 for this tax credit. Buyers must apply for credit allocation from us. Applications will be reviewed and credit allocations will be made on a first-come, first-served basis. Once $100,000,000 has been allocated, the tax credit will no longer be available. Please check this page for updates on the allocated and remaining credits available. 

This tax credit is available for qualified buyers who on or after March 1, 2009, and before March 1, 2010, purchase a qualified principal residence that has never been occupied. The buyer must reside in the new home for a minimum of two years immediately following the purchase date.
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