When it comes to getting a home loan on the Russian River there are three big things that can stand in your way! Those three things include a foreclosure, a short sale or a bankruptcy. Fannie Mae is a common term used to refer to FHA loans. FHA stands for Federal Housing Administration which was formed in 1934 and later became part of the US Department of Housing and Development, known to many as HUD. FHA insures loans in US territory and the District of Colombia that are issued by FHA approved lenders. Patrick Pennington is an FHA approved lender and therefore qualified to issue FHA loans in Guerneville and the Russian River area in general. Since its integration into HUD, FHA has insured over 34 million loans making it one of the world’s largest insurers of mortgages!
Patrick Pennington is our local preferred lender here in Russian River Real Estate because he has been lending here on the Russian River for over Twenty four years and he knows the ins and outs of the market in Guerneville. Patrick is the type of guy that gets the job done. If there is a loan that you will qualify for here on the Russian River Patrick will find it!
It used to be that when you had experienced a short sale on a home you would have to wait two years before you could qualify for a conventional home loan again. “However, on August 16, 2014, the waiting period for a homeowner to purchase a new home after a foreclosure becomes four years.” That means that if you have had a short sale and it has been two years now is the perfect time to contact Patrick Pennington about getting a loan before they put into effect the new four year standard.
Russian River homes for sale are in short supply right now! It is summertime and people are out buying homes in Guerneville for their summer vacation. If you have been thinking about buying a home in Guerneville or on the Russian River act soon because inventory is going fast!
If you have experienced a recent short sale and were waiting the two years to qualify act now and call
Patrick Pennington at 707-869-5626 and let Patrick hook you up with an FHA loan that could get you a home in paradise before the time frame changes and you have to wait another two years!
The town of Guerneville is known for how it binds together in a judgement free way to create a safe and accepting place for people to come. Many people will buy a Vacation Rental and visit during the summer and rent it out the rest of the year to other vacationers! Some invest in Russian River Real Estate in order to live here year round and are quickly accepted into the Guernevillecommunity. If you have been thinking about buying a second home full of peace and tranquility away from the hustle and bustle of the city or are looking to relocate to thisRussian River Paradise call David R. Millar at 707-217-1786 or visit us at www.millarandcompany.com We can also be found on Google+, Twitter, and on our Word Press blog titled Russian River Land and Home. I am David Millar and I am ready to find you your next home in paradise! #Russianriverrealestate #activelife #Russianriverliving #guernevillerealestate #guerneville #LocalGuernevilleAgent
Information contained in this blog courtesy of http://activerain.trulia.com/blogsview/4420375/fannie-mae—increasing-the-waiting-period-to-purchase-after-a-short-sale
I have lived on the Russian River and sold Russian River Real Estate for some time now and I have gotten to know some of the local people in Guerneville very well! Jackie Imiach own’s Monte Rio Taxi here in the Russian River area. Jackie is a good friend and an amazing woman with a friendly vivacious personality and a knack for seeing the good in everything. Her mission is to get people where they are going safely and in a timely manner while creating a safe, positive atmosphere for her customers.
Recently Jackie invested in a new van that is in much better condition than the last one and is more in tune with the standards that she has set for her company! Now when you see Jackie driving through town she is doing it in style in a candy apple red van with brand new lettering! Monte Rio Taxi is the talk of the Russian River right now!
However that is not the only change Jackie has made recently! She has also hired on a wonderful driver by the name of Marlayna Ausick who enthusiastically remarked that Jackie’s Cab company is awesome! “This is the best job I have ever had,” she exclaimed when I asked her how she felt about driving for Monte Rio Taxi here on the Russian River.
Mother’s Against Drunk Driving recently reported that “Every 53 minutes on average, someone is killed in a drunk driving crash (9,878 people in total in 2011). Every 90 seconds, someone is injured because of this entirely preventable crime.” Jackie’s Cab is a judgement free atmosphere where you can be sure that if you have been drinking that you are not going to end up hurting or killing yourself or someone else. She will make sure you get home safely and that you are not putting anyone else in danger by driving while intoxicated.
Women who walk alone at night increase the chance of getting attacked by a predator. The Russian River has its crime like every other town and city. To be on the safe side, taking Monte Rio Taxi will eliminate the danger of walking alone at night and give you a sense of security! Jackie is a wonderful woman who has your best interest at heart. She will make sure that you are safe and taken care of! She is very trustworthy and knows the area very well.
The fare is fair in my opinion! Jackie charges a base rate of three dollars to pick you up and an additional three dollars a mile after that. If you are intoxicated and get sick in the van there is a fifty dollar cleaning fee but that is rare. Mostly it is a pleasant trip with either Jackie or Marlayna to your destination!
The town of Guerneville is known for how it binds together in a judgement free way to create a safe and accepting place for people to come. Many people will buy a Vacation Rental and visit during the summer and rent it out the rest of the year to other vacationers! Some invest in Russian River Real Estate in order to live here year round and are quickly accepted into the Guerneville community. If you have been thinking about buying a second home full of peace and tranquility away from the hustle and bustle of the city or are looking to relocate to this Russian River Paradise call David R. Millar at 707-217-1786 or visit us at www.millarandcompany.com We can also be found on Google+, Twitter, and on our Word Press blog titled Russian River Land and Home. I am David Millar and I am ready to find you your next home in paradise! #Russianriverrealestate #activelife #Russianriverliving #guernevillerealestate #guerneville #LocalGuernevilleAgent
Every house on the Russian River is unique and different in its own way however there is a certain amount of charm that people are looking for when they go to buy a home. They want something that is special and different.
The fourth question is does it have a view?
It is not easy to find homes that get good sunlight in the middle of a redwood forest so if your home does get sun then that will greatly increase the value of your home as well! To get a better idea of what your home is worth put your information into the box below or
Coco Johnson moved to Guerneville from Detroit three years ago and immediately opened her own little shop. Shakedown Street has what we like to call “River Charm!” It is primarily made up of local, hand made items and has a very green, peaceful feel to it! This is the basic idea of River Charm to be local, sort of organic feeling, homemade, and environmentally friendly. Shakedown Street has embodied River Charm choosing to have a very diverse selection of items, mostly hand made and a store that creates a sense of peace upon entering!
Coco met me with a smile and was very helpful. She told me that although she has only owned Shakedown Street for three years she has actually been a seamstress for over nine years and has developed the skills to turn her visions of beautiful clothing and curtains into a reality! She said that the most unique thing about their shop was the custom quality that she gives to each item. If you go into the store and really like something but they don’t have it in your favorite color or your personal size they will customize it for you! She makes curtains as well and is proud to be able to work with Bonnie over at Bonnie Sew-Good!
Her Collection was very diverse ranging from crystals and feathered jewelry to clothing and curtains for your home. She has home made guitar and drum covers and feathered hat pins. Her collection although varied all carries a fun, locally made feeling in every piece that weaves them together and makes them fit in harmony at Shakedown Street.
The Chamber of Commerce and Visitor Center has taken on the amazing responsibility of sponsoring many local events including the Spring Fling, the Spring Fling Flea Market & Craft Fair, the Stumptown Daze Parade, June Tunes, the Guerneville Fireworks Celebration, the Fall Fling, the Fall Fling Flea Market & Craft Fair, and the Parade of Lights. In addition they are supportive of the local community events and are very active in the community. They often attend local events both to show their support and to take pictures and video for their website and Facebook. In doing this they continue to let people who are visiting know what is happening on the Russian River.
The Chamber is a non-profit organization with about 270 business members ranging from small businesses to large international companies. There are two reasons why people join the Chamber of Commerce out here on the Russian River. The first are people who are building their businesses and are looking for direct referrals, networking opportunities, and greater visibility for their businesses. These people know that the Russian River Chamber of Commerce is one of the best places to achieve this type of exposure since they meet a ton of people every year both visiting and local that have questions about the Russian River area and the businesses located in the area! The second reason is to strengthen the community. The motivation behind this is that people want to strengthen the environment and change public policy to help create healthy and positive solutions in a safe relaxing atmosphere.
Here at Millar and Company we were very drawn to the second part of the Chamber’s mission statement that says “In concert with our natural environment.” This appealed to us particularly because one of our core beliefs here is protecting and preserving the natural environment and the message that the Chamber’s mission statement is sending is that they are going to promote businesses but not at the expense of the environment. This is important because it shows so much integrity and love of the area that more people are drawn in because they feel respect for a Chamber that would demonstrate such qualities!
Luana Gerardt, local manager of the Russian River Chamber of Commerce, said recently that when she hears the phrase Russian River Living it makes her think about kayaking down the Russian River and taking in all of the natural beauty of the river. If you have been thinking that it is time for you to have a summer home on the Russian River contact David R. Millar at 707-217-1786 or visit us at www.millarandcompany.com We also have a great Facebook page dedicated to what the style of living is here on the Russian River called Russian River Living and Real Estate. We can be found on Google+, Twitter, and on our Word Press blog titled Russian River Land and Home. I am David Millar and I am ready to find you your next home in paradise! #Russianriverrealestate #activelife #Russianriverliving #guernevillerealestate
often direct our clients to Patrick to get pre-qualified for a loan before
placing an offer on a home, or to refinance their existing loan if they need
to. Often times when there are multiple offers on a property and the clients
are not sure which offer to accept they will accept the offer from the client
that has a local lender because they feel that it is safer. Patrick has
specialized in the Russian River for over twenty four years and is an expert at
finding a loan that fits you perfectly!Since the housing market has gone
ability to buy homes FHA has relaxed its guidelines to allow for ”financial difficulty due to extenuating circumstances.”
therefore qualified to issue FHA loans in Guerneville and the Russian River area in general. Since its integration into HUD FHA has insured over 34 million loans making it one of the world’s largest insurers of mortgages!
difficulty due to extenuating circumstances” with a program called Back To Work. What this means for people who want to buy a home, is that even if you have undergone a major financial crisis recently due to the market’s downward spiral, you are still able to buy a home. Guerneville offers an array of
different homes that are FHA approved and Millar and Company wants you to be able to get an FHA loan so that you can have a home in our Russian River Paradise!
Patrick hook you up with an FHA loan that could get you a home in paradise! If you want a home in paradise call David R. Millar 707-217-1786 or visit us at www.millarandcompany.com. We also have a great Facebook page dedicated to what the style of living is here on the Russian River called Russian River Living and
Real Estate. We can be found on Google+, Twitter, and on our Word Pressblog titled Russian RiverLand and Home. I am David Millar and I am ready to find you your next home in paradise!
With the Russian River Real Estate market catching fire I have been showing a lot of property in Guerneville. Whenever I am out I keep noticing the very classy signs and beautiful landscaping of West Sonoma Inn and Spa here at the edge of Guerneville just outside of town. Today I decided to go in and introduce myself and see what the place had to offer to people visiting Guerneville. The manager Mallory Lambert was very friendly and welcoming and offered me the inside scoop!
I then asked Mallory the million dollar question…What do you charge people to stay in such an elegant place like this? The answer was it depends! She continued by telling me that the rooms that have Vineyard views, kitchens, and a Jacuzzi in the room tend to run about $169-$299 a night, however the pet friendly rooms that are available tend to only run $149-$219 per night. After a second to think about this I decided that that is a very fair price for an Inn that offers BBQ’s, a Pool, magnificent views, and Champagne in the rooms for guests as well as Wine and Champagne tasting. They are located within walking distance of the town of Guerneville but are surrounded by trees and set back away from the road enough that they are their own calm, tranquil Oasis. Mallory informed me that if people want to make a reservation at their Inn in Guerneville they will need to do so at least six months in advance in order to get a room since they are extremely popular and are usually booked.
I was given access to walk around the grounds and take a look and I felt so relaxed and at peace in that place. I found this adorable little area where a mother deer and her two babies had stopped to graze and a Gazebo with a view of the awe inspiring redwoods and a vineyard that seemed to go on forever.