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FREE Short Sale Information

Avoid Foreclosure Today

FREE Short Sale Information!

Short Sale info. shortsale information, shortsale infoLearn how you can avoid foreclosure!  Receive FREE Clovis short sale information.  Whether you’re behind on your payments, want to know your options, or just to speak to someone who can answer your questions — we’re here to help.  We’re short sale experts!

Avoid Foreclosure

Get FREE Short Sale Information Now!

We’re experts at helping Clovis homeowners find alternatives and avoid foreclosure.

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Home Affordable Foreclosure Alternative

HAFA Program Assists Clovis Homeowners

If you’re struggling to make your mortgage payment, there’s help under the Home Affordable Foreclosure Alternative (HAFA) program.  The Treasury Department recently introduced the HAFA program to provide a new option for homeowners who are trying to avoid being foreclosed.

Below is a short 5 minute video which explain the program and your options as a Clovis homeowner.

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Avoid Foreclosure

Get More Information Now!

If you have questions about HAFA or how to avoid foreclosure, let us know. We’re experts at helping Clovis homeowners find alternatives and avoid foreclosure.

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Buchanan Estates Home!

Buchanan Estates Home for Sale
Beautiful Buchanan Estates Home!

611 W. Heritage Avenue, Clovis CA

Big Price Reduction -  Now just $519,000!

Buchanan Estates home!  4 bedroom, 3 bath 3,266 sq. ft. home that’s located on a cul-de-sac in a prominent Clovis neighborhood with Buchanan schools.  This is a fantastic home!  Enter into an elegant formal living and dining room with vaulted ceilings and beautiful views of the koi pond with waterfall. Outside are a resort-like backyard with Pebble Tec pool and over-sized patio perfect for entertaining guests. Control those summer PGE bills with a PAID FOR SOLAR SYSTEM.  Homeowners PG&E bill in March was $4.73 (per seller)!

Additional features include: great room w/a spacious kitchen w/large island ideal for spending time with family and friends, water softener system, security alarm, isolated bedroom and bath (perfect for guests), enjoy movie and game nights in the spacious bonus room, surround sound for family room, living room, game room, and patio.  Luxurious master suite with soaking tub and over-sized walk-in closets.  Huge front and back yards with drip irrigation (homeowner’s March water bill was $12.00!) and a 3-car garage w/built-in storage.  $519,000.  No waiting on a bank – and not a short sale!

Call Matt, the Buchanan homes specialist, at (559) 325-4043 (or email Matt@ClovisExperts.com) to see this amazing Buchanan schools home before it’s gone!

  • Visit this home’s website.  View photos & more here!
  • Watch a video of this home here!
  • FREE list of all Buchanan homes for sale, click here!

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Quail Lake Home Values

Quail Lake Home Values

Whats my clovis home Home Worth

What’s your Quail Lake home worth?

Wondering what your Quail Lake home is worth? Wonder no more! With our Quail Lake Home Value Estimator you can learn the estimated value of your Quail Lake home in just seconds — FREE! You can also see sold homes and prices in any Quail Lake neighborhood, find out what your neighbor’s home is worth, and learn the current Quail Lake market trends.

Get the Quail Lake home values information you want – when you need it! Just fill out the form below and the Quail Lake Home Value Estimator tool will automatically be emailed to you.

FREE Quail Lake Home Values

Quail Lake Experts!

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Clovis CA Home Values

Clovis CA Home Values – FREE!

Whats my clovis home Home Worth

Find the estimated value of any Clovis home in just seconds.

Wondering what your Clovis home is worth?  Wonder no more!  With our FREE Clovis Home Value Estimator you can learn the estimated value of your Clovis home in just seconds. You can also see sold homes and prices in any Clovis neighborhood, learn your neighborhood’s prices and market conditions, find out what your neighbor’s home is worth, and view the current Clovis market trends.

Get the Clovis CA home values information you want – when you need it!  Just fill out the form below and the Clovis Home Value Estimator tool will automatically be emailed to you.

Clovis Home Value Estimator

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Clovis Homes Undervalued?

CNN Money Clovis Real Estate

Clovis Home Values

In 2006, CNNMoney.com published a ranking of 299 U.S. housing markets to identify where home prices were most overvalued.  Back then, at the height of the Clovis real estate market, little was undervalued.  In fact, real estate was white-hot and Clovis home prices were at or near what came to be their peak values.

Now, 4 years after Clovis home prices reached their top values, CNNMoney looked at 330 metro areas to see what’s happened to home prices.   The results for Fresno and Clovis may surprise you. Read the rest of this entry »

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4 Reasons to Sell Your Clovis Home Now

Clovis Real Estate sign

Selling a Home in Clovis

Selling a Clovis home in this down Clovis real estate market can seem like a challenge.  But here’s 4 reasons why it’s actually a good time to sell your Clovis home:

  1. Sell low and buy low. Because all Clovis property values are down, the loss on the the home you sells is really only a paper loss because the next property you buy will be a bargain. When prices come back up in a few years, you may actually be in much better shape – with an even better investment.
  2. Down-payment help is widely available. While zero-down loans have disappeared, it is easy to find down-payment assistance. Just contact Kathy Tuck at iMortgage (559-284-4020) or Dru Scott at All-Access California (559-314-5363) and they’ll be able to tell you what down payment, mortgage programs, and mortgage rates are available.
  3. Uncle Sam is giving away money. If you buy a new home before April 31st, you could qualify for $6,500 move-up credit.  Learn more.
  4. Good help is available. We specialize in selling Clovis homes.  We have over 75 Clovis buyers looking for Clovis homes right now.  We’ll get your home on the market and then line up a Clovis buyer to sell your Clovis home quickly and for the best possible price.  Contact us.

Clovis Home Values

Thinking About Selling Your Clovis Home?

Sell it FAST & for the HIGHEST price!

Clovis Home Value Estimator

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Clovis Real Estate Market Data

Clovis Real Estate Market ReportIf you’re looking to buy or sell a Clovis home in 2010 you undoubtedly have read or heard a lot about the Clovis real estate market.  It’s no secret that Clovis homes have fallen in value over the past several years.  So should you continue to wait to sell or buy a Clovis home, or is the worst over?   Rather than give you our professional opinion this time, we thought we’d present you with some housing facts and let you be the judge.

Sold homes in Fresno County the last 5 years:

  • 2010:             ?
  • 2009:         9,328
  • 2008:         6,781
  • 2007:         4,865
  • 2006:         6,503
  • 2005:         8,997

As the data above indicates, when the market was at its peak in 2005 — nearly 9000 homes were sold in Fresno County. Back then, if a Clovis home was listed it pretty much sold.  Surprisingly, despite the recent real estate woes in Clovis and Fresno, in 2009 more homes were sold than when the market was at its peak.  In fact, buying Clovis homes priced under $250,000 is increasingly difficult because of the competition from investors and other Clovis buyers (we wrote about this in our article:  Clovis Foreclosures – Why They’re Selling So Fast).  In other words, the number of sold Clovis homes in 2009 and Fresno County is overwhelming evidence that if Clovis homes are priced right, they will sell. What this data doesn’t show, however, is that while Clovis homes sales are strong, Clovis home prices continue to fall. Read the rest of this entry »

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Foreclosure Process for Clovis Homes

Overview of the Clovis Foreclosure Process

Clovis foreclosure realtor, clovis shortsale realtor, clovis short sale realtor

If you’re struggling to make your mortgage payments on your Clovis home, you’re not alone. One of the most important things you can do is understand the foreclosure process in Clovis. Here’s a brief overview of the foreclosure process for Clovis homes to help you do just that:

When you bought your Clovis home it probably involved a “deed of trust,” which by its legal definition involves 3 parties:

  1. Trustor (Clovis homeowner / borrower),
  2. Beneficiary (lender / bank), and
  3. Trustee (a neutral 3rd party receiving the right to foreclose).

The deed of trust usually includes a “power of sale” clause that gives the neutral 3rd party the legal right to enforce collection of the debt. Collection of the debt is ultimately enforced by lender / bank’s right to sell the Clovis home when the Clovis homeowner / borrower fails to make their mortgage payments.

Defaulting on one’s loan causes the start of “foreclosure”, the process by which the lender / bank takes over a Clovis home in order to recover their principal investment (remember, your Clovis home is still the bank’s until you pay it off fully). Once the Clovis home is either sold at auction or “repossessed” by the lender / bank, the former Clovis home owner must vacate at the discretion of the new owner.

When there is a power of sale clause in the deed of trust the non-judicial process of foreclosure is used. In a non-judicial foreclosure, the neutral 3rd party (trustee) must meet a few requirements before it sells the Clovis home. In comparison to a Judicial foreclosure, Non-judicial foreclosures are quick (it takes a minimum of 120 days or 4 months) because the trustee does not have to obtain a court order to foreclose, nor is court supervision required in order to sell the house, as is required in the judicial foreclosure process. The judicial process of foreclosure is used when a power of sale clause is not in the deed of trust.

In California, the time-line of non-judicial foreclosure begins when the trustee files a notice of default. This is a letter which is sent to the Clovis homeowner notifying him or her of their default of the loan. This notifies the Clovis owner of the intent of the lender / bank to follow through on their right to collect on the debt. The copy of the notice, which is recorded at the County Recorders Office in Fresno, is mailed to the Clovis home address. Recording of the notice of default occurs next and can take anywhere from 1 week to 3 or more months after a Clovis homeowner misses their first mortgage payment.

The next step is the filing of the Notice of Trustee’s Sale. No sooner than 90 days after the trustee records the Notice of Default, the Trustee must publish a notice of trustee’s sale in the Fresno Bee and simultaneously file that notice with the Fresno County recorder’s office.  Then, no sooner than 20 days after the notice of trustee sale is filed, the Clovis home may be sold at public auction for the amount of the debt plus foreclosure costs.  If no one bids at the auction, the lender / bank assumes ownership of the Clovis home and may sell it to recover their cash investment.

Clovis Foreclosure Help

If you’re struggling to make your mortgage payments, we strongly recommend that you consult an attorney and Clovis Realtor to discuss your options.  Clovis foreclosures have a damaging effect on your credit for a period of at least seven years.  The earlier you can address the situation, the better the overall result will be regardless of the outcome.  We’re happy to address any real estate questions you may have if you’re facing a foreclosure.  Just fill out the form below and we’ll point out what your options are and answer any questions you may have.

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Clovis Homes – Future Home Values

Clovis homeownersNow that 2009 is behind us, it’s time to look at 2010 and beyond for the value of Clovis homes.

The California Association of Realtors’ (CAR) has released its 2010 California Housing Market Forecast and projects the 2010 median home price in California will rise 3.3% to $280,000.  In other words, if CAR is right, the median price of Clovis homes (which was $238,000 in 2009) will increase to $245,854.  Why is CAR so optimistic?

  • According to CAR’s Vice President and Chief Economist Leslie Appleton-Young, unlike the rest of the nation, home sales in California already bottomed out, and the median home price hit bottom last year in February.
  • Over the last 40 years, CA homeowners who purchase and live in their home for at least 5 years, have averaged an annual rate of return of nearly 12%. That means a Clovis home purchased at today’s median price of $238,000 would be worth a whopping $739,191 in 10 years if CAR is right and the past repeats itself.  Click here for a home appreciation calculator.

Clovis Homes

Have you been thinking about selling or buying a Clovis home?  If so, click here to read the Top 5 reasons why 2010 is a great time to buy a Clovis home.  If 2010 is the year you hope to sell or buy a Clovis home, let us know.  Just fill out the form below and we’ll help you get started on reaching your home goals.

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