San Jose, Almaden Valley,Seniors, Los Gatos, Willow Glen, Affordable Homes & Resources

<h1>San Jose, Almaden Valley,Seniors, Los Gatos, Willow Glen, Affordable Homes & Resources</h1> <p>Bay Area Homes, Free Homes Search, Almaden Valley, Willow Glen, property values, San Jose Homes, San Jose neigborhoods, san jose communities, foreclosures, Senior Housing, surrounding neighborhoods and neighboring communities, Bay Area Communities, Real Estate & Community Blog, San Jose Real Estate, Bay Area Real Estate, Retirement Communities, Assisted Living, Affordable Homes</p><table width="100%" height="100%" border="0" cellpadding="0" cellspacing="0"><tr><td height="26"><a class="menuItem" href="/About.aspx?ID=2830">About Me</a></td></tr><tr><td height="26"><a class="menuItem" href="/toolkit.aspx?ID=2830">Buyer/Seller ToolKit</a></td></tr><tr><td height="26"><a class="menuItem" href="/OpenHomes.aspx?ID=2830">Open Homes</a></td></tr><tr><td height="26"><a class="menuItem" href="/OfficeListings.aspx?ID=2830">Featured Listings</a></td></tr><tr><td height="26"><a class="menuItem" href="/PerfectProperty.aspx?ID=2830">Find The Perfect Property</a></td></tr><tr><td height="26"><a class="menuItem" href="/CustomContent.aspx?fp=4719&ID=2830">Silicon Valley BLOG</a></td></tr><tr><td height="26"><a class="menuItem" href="/Search/Default.aspx?ID=2830">Property Search</a></td></tr><tr><td height="26"><a class="menuItem" href="/HomeValue.aspx?ID=2830">Find Your Home's Value</a></td></tr><tr><td height="26"><a class="menuItem" href="/Buyer/BuyerInformation.aspx?ID=2830">Buyer Information</a></td></tr><tr><td height="26"><a class="menuItem" href="/Seller/SellerInformation.aspx?ID=2830">Seller Information</a></td></tr><tr><td height="26"><a class="menuItem" href="/CustomContent.aspx?fp=4720&ID=2830">Foreclosure Solutions</a></td></tr><tr><td height="26"><a class="menuItem" href="/CustomContent.aspx?fp=2121&ID=2830">REOS BY AREA</a></td></tr><tr><td height="26"><a class="menuItem" href="/CustomContent.aspx?fp=3967&ID=2830">Communities</a></td></tr><tr><td height="26"><a class="menuItem" href="/CustomContent.aspx?fp=4769&ID=2830">Almaden Market Activity</a></td></tr><tr><td height="26"><a class="menuItem" href="/Schools.aspx?ID=2830">Schools</a></td></tr><tr><td height="26"><a class="menuItem" href="/CustomContent.aspx?fp=4749&ID=2830">Investors & Market Info</a></td></tr><tr><td height="26"><a class="menuItem" href="/Testimonials.aspx?ID=2830">Testimonials</a></td></tr><tr><td height="26"><a class="menuItem" href="/CustomContent.aspx?fp=2883&ID=2830">Seniors Resources</a></td></tr><tr><td height="26"><a class="menuItem" href="/Calculators.aspx?ID=2830">Calculators</a></td></tr><tr><td height="26"><a class="menuItem" href="/RealEstateGlossary.aspx?ID=2830">Real Estate Glossary</a></td></tr><tr><td height="26"><a class="menuItem" href="/CustomContent.aspx?fp=2411&ID=2830">Switch Utilities</a></td></tr><tr><td height="26"><a class="menuItem" href="/Contact.aspx?ID=2830">Contact</a></td></tr> </table> <p>**********************A BAY AREA NATIVE YOU CAN TRUST*******************</p><p><div style="font-family: Arial" align="center"><strong><em><strong><em><span style="font-family: verdana,geneva; color: #000000; font-size: 10pt">Welcome! <br /> This site is designed to be the #1 resource <br /> for buyers and sellers in the San Jose area.</span> <div><span style="color: #3366ff"><span style="font-family: Verdana; font-size: x-small"><em><span style="font-size: small"><img style="width: 71px; height: 71px" border="0" alt="" src="/HomepageImageGallery/4130/9266.jpg" width="71" height="71" /></span></em></span></span></div> </em></strong></em></strong></div> <p style="font-family: Arial" align="center" sizset="57" sizcache="21"><span style="color: #008080"><span style="font-size: 10pt"> </span></span><span style="font-family: arial,helvetica,sans-serif"><span style="font-size: small"><em><span style="font-size: medium"><span style="color: #3366ff"><span><span style="font-size: 10pt"><span style="color: #000000">Behind on your payments? Contact me  at (408) 591-7778 for a<br /> </span></span><span style="font-size: 10pt"><span style="color: #000000"><strong>Free Workbook on Avoiding Foreclosure.</strong> As a<strong> <br /> </strong></span></span></span><a href="http://www.cdpe.com/home"><span style="color: #008080"><span style="font-size: 10pt"><span style="color: #000000"><strong>Certified Property Distress Expert</strong></span></span></span></a><span style="color: #008080"><span style="font-size: 10pt"><span style="color: #000000"><strong>, </strong><span style="font-family: Verdana; font-size: 10pt">me and members of my team are qualified to assist you. <br /> <em>Se habla espanol. </em> </span></span></span></span></span></span></em></span></span></p> <p style="text-align: center; font-family: Arial" align="center" sizset="66" sizcache="21"><span style="font-family: arial,helvetica,sans-serif" sizset="66" sizcache="21"><span style="font-size: small" sizset="66" sizcache="21"><em sizset="66" sizcache="21"><span style="font-size: medium" sizset="66" sizcache="21"><span style="color: #333399" sizset="66" sizcache="21"><strong sizset="66" sizcache="21"><span style="font-size: large" sizset="66" sizcache="21"><a href="http://www.foreclosure-support.com/foreclosure-laws.php"><span style="color: #3366ff"><span style="font-size: medium"><span style="color: #008080"><span style="font-size: 10pt"><span style="color: #000000">Foreclosure News and Laws</span></span></span></span></span></a></span></strong></span></span></em></span></span></p> <p style="text-align: center; font-family: Arial" sizset="67" sizcache="21"><span style="color: #3366ff"><span style="font-family: Verdana; font-size: x-small"><em><span style="font-size: small"><br /> <span style="color: #008080"><span style="font-size: 10pt"><span style="color: #000000"><span style="font-family: Verdana"><em><span style="color: #008080"><span style="color: #000000"><span style="font-family: Verdana; font-size: x-small"><em><span style="font-size: small"><span style="font-size: 10pt"><span style="font-family: Verdana"><em>Feel free to contact me at (408) 591-7778 for assistance with <br /> your home sale or purchase.<br /> <br /> </em><span style="font-family: verdana,geneva"><em><strong>        </strong> <span style="font-family: verdana,geneva"><em>Let me be your advocate...Lisa  </em></em></span></span></span></span></em></span></span></span></span></em></span></span></span></span></span></em></span></span><span style="text-decoration: underline" sizset="68" sizcache="21"><em sizset="68" sizcache="21"><span style="color: #666666; font-size: small" sizset="68" sizcache="21"><span style="font-family: verdana,geneva; color: #666666; font-size: small" sizset="57" sizcache="21"><a href="http://assets.corefact.com/u/storage_files/0001/4049/Twitter.jpg"><img style="width: 33px; height: 30px" alt="" src="http://assets.corefact.com/u/storage_files/0001/4049/Twitter.jpg" width="33" height="30" /></a><span style="font-size: x-small" sizset="58" sizcache="21"><a href="http://twitter.com/lisaact"><span style="color: #3366ff">Follow Me!</span></a></span></span></span></em></span></p> <p style="text-align: center; font-family: Arial" align="center"><span style="text-decoration: underline"><strong><em></em></strong></span></p> <blockquote style="text-align: center; font-family: Arial" sizset="69" sizcache="21"> <div><span style="font-size: small" sizset="69" sizcache="21"><strong sizset="69" sizcache="21"><a title="7 Things Buyers Shoud Know" href="http://realtytimes.com/rtpages/20091117_buyers.htm"><span style="color: #3366ff"><span style="color: #008080"><span style="color: #000000"><br /> 7 things Buyers Should Know</span></span></span></a></strong></span> </div> </blockquote> <div style="font-family: Arial"><br />  </div> <div style="font-family: Arial"> <hr /> </div> <div style="font-family: Arial"> </div> <div style="font-family: Arial"><font face="arial,helvetica,sans-serif"><strong><font size="5"><u> <div align="center"><img border="0" alt="" src="/HomepageImageGallery/4130/7711.jpg" /></div> <br /> <br /> </u></font></strong></font></div> <font face="arial,helvetica,sans-serif"> <p style="font-family: Arial" align="center"><span style="text-decoration: underline"><span style="font-family: verdana,geneva; font-size: small"><strong style="font-size: 10pt"><span style="font-family: Arial">FORECLOSURES AND SHORT SALES</span></strong></span></span><em><span style="text-decoration: underline"><br /> </span></em></p> <p style="font-family: Arial" align="center" sizset="60" sizcache="21"><span style="font-family: verdana,geneva"><span style="font-size: 10pt"><span style="font-family: Arial"><strong><span style="text-decoration: underline">Short Sales</span></strong><br /> </span></span></span><span style="font-family: verdana,geneva"><span style="font-size: 10pt"><span style="font-family: Arial">A short sale means the seller's lender is accepting a discounted payoff to release an existing mortgage. Just because a property is listed with short sale terms does not mean the lender will accept your offer, even if the seller accepts it. Be aware that the seller will need to be in default, to have stopped making mortgage payments, before a lender will consider a short sale. Also, the seller might have over-encumbered, owe more than the home is worth. <br /> <br /> Buyers pursue short sales to get a good deal. So when you see a price listed for a home that you think is too low for the neighborhood, before you jump on that price, ask your agent to call the listing agent to find out if the home is a short sale and to check the public<br /> records for title and loan history. Because you might want to think twice about making an offer on a pre-foreclosure, short sale home. It's not as simple as you may believe, and very few can close in 30 days or less.<br /> <br /> </span></span><strong><span style="font-size: 10pt"><span style="font-family: Arial"><br /> </span></span></strong></span><span style="font-family: verdana,geneva" sizset="60" sizcache="21"><strong sizset="60" sizcache="21"><a href="http://www.cdpe.com/what-is-a-short-sale.html"><span style="font-size: 10pt"><span style="font-family: Arial">What is a Short Sale?</span></span></a><br /> </strong><br /> <span style="font-size: 10pt"><span style="font-family: Arial">View </span></span><a title="Short Sales" href="http://rismedia.com/2009-09-26/short-sales-spread-across-real-estate-market-leaving-frustration-in-their-wake/"><span style="font-size: 10pt"><span style="font-family: Arial">September article</span></span></a><span style="font-size: 10pt"><span style="font-family: Arial"> on the difficulty of short sales. <br /> <br /> <span style="text-decoration: underline"><strong>Foreclosures & REOS</strong></span><br /> A foreclosure occurs when payments have not been made on a mortgaged property. The lender can legally redeem or take the property away from the owner. In general, lenders will begin the foreclosure process after three months of defaulted payments. Prospective buyers will often try to find foreclosures when purchasing a new property. A home that is foreclosing may be priced way under its marketplace value as the lending institutions are motivated to sell these properties as quickly as possible. In addition, there are those who believe that purchasing a property that is being foreclosed is an excellent investment opportunity. They can resell the property at a later time at a much higher price.<br /> <br /> A typical foreclosure goes through three phases. In the pre-foreclosure phase, the lender will initiate a foreclosure due to a default of payments. If the borrower does not (or cannot) pay back what is owed, the property will be sold at a public auction (this auction is phase two). If the property is not sold at auction, the lender gets it back and it becomes a REO (Real Estate Owned). The exception to this process occurs if the loans happen to be insured by a federal agency such as HUD, Fannie Mae, or the Department of Veterans Affairs (VA). In this instance, the agencies will pay the lenders and take over the property, at which point they will prepare to sell it.<br /> <br /> REOs are properties that have not been sold at auction and are now in the possession of the lender, who is usually eager to sell them quickly. It helps to follow properties that you are interested in through all the foreclosure phases. Therefore, you will know if it becomes a REO. In addition, many lenders deal directly with realtors so you may want to speak to your local realtor about possible foreclosures. </span></span></span></p> <p style="font-family: Arial" align="center" sizset="63" sizcache="21"><span style="font-family: verdana,geneva" sizset="63" sizcache="21"><span style="font-size: 10pt"><span style="font-family: Arial">For more terminology on foreclosures, </span></span><a href="http://www.realtytrac.com/foreclosure/real-estate-terminology-lookup-A-C.html"><span style="font-size: 10pt"><span style="font-family: Arial">Click Here</span></span></a><span style="font-family: Arial"><span style="font-size: 10pt">.</span> <br /> </span></span><span style="font-family: verdana,geneva"><br /> </span><span style="font-family: verdana,geneva"><strong><span style="text-decoration: underline"><br /> </p> </span></strong></span> <p align="center"><span style="font-family: verdana,geneva"><span style="font-size: 10pt"><span style="font-family: Arial"><span style="font-family: "><span style="font-family: ; font-size: 10pt">Please feel free to contact me at (408) 591-7778 or LWiseman@InteroRealEstate.com if you would like to receive <strong style="font-family: ">a list of foreclosures </strong>in your area. </span></span></span></span></span><span style="font-size: 10pt">Please feel free to contact me at (408) 591-7778 if you are interested in searching for these types of properties or would like me to<br /> provide you with information on a particular property. More information and searches are available on these sites:<br /> </span><a href="http://www.foreclosureradar.com/free-foreclosure-search.php"><br /> Foreclosure Radar Search<br /> </a><br /> <a href="http://www.realtytrac.com/"><a href="http://www.realtytrac.com/" target="_self"><font color="#0000cc">Realty Trac Pre-Foreclosure and Foreclosure Search</font></a><br /> </p> </font> <div style="font-family: Arial" align="center"> </div> <div style="font-family: Arial" align="center"> <hr />     </div> <div style="font-family: Arial" align="center"> I am a proud member of:   </div> <p style="font-family: Arial" align="center"> <div style="font-family: Arial" align="center"><span style="font-size: 8pt"> </span><a href="http://www.seniorsrealestate.com/sarec/"><span style="font-size: 8pt">Seniors Real Estate Specialists </span></a></div> <div style="font-family: Arial" align="center"><span style="font-size: 8pt"> </span><a href="http://www.cdpe.com/home"><span style="font-size: 8pt">Certified Distressed Property Expert</span></a><span style="font-size: 8pt"> </span><a href="http://www.wcr.org/"><span style="font-size: 8pt">The Women's Council of Realtors</span></a></div> <div style="font-family: Arial" align="center"><span style="font-size: 8pt"> </span><a href="http://www.car.org/"><span style="font-size: 8pt">The Santa Clara County of Realtors </span></a><span style="font-size: 8pt"> </span></div> <div style="font-family: Arial" align="center"><span style="font-size: 8pt"> </span><a href="http://www.realtor.org/"><a href="http://www.nar.org/"><span style="font-size: 8pt">The National Association of Realtors <br /> </span></a><span style="font-size: 8pt"> </a></span><a href="http://www.avca-sj.org/"><span style="font-size: 8pt">Almaden Valley Community Assoc.</span></a><span style="font-size: 8pt">  </span></div> <div style="font-family: Arial" align="center"><span style="font-size: 8pt"> </span><a href="http://www.ewomennetwork.com/"><span style="font-size: 8pt">eWomenNetwork</span></a><br /> <span style="font-size: 8pt"> </span><a href="http://www.theatrebayarea.org/index.jsp;jsessionid=45A77C9571AD653FC1D7FF7AC2C13A31?hi=1"><span style="font-size: 8pt">Theatre Bay Area</span></a> </div> <p style="font-family: Arial" align="center"></p> <div style="font-family: Arial" align="center">Lisa Wiseman<br /> Realtor®, CDPE®, SRES®, Certified Relocation Specialist </div> <div style="font-family: Arial" align="center">Affordable Homes Consultant<br /> Direct (408) 591-7778<br /> Office (408) 979-5921<br /> <a href="mailto:lwiseman@interorealestate.com">lwiseman@interorealestate.com</a><br /> <a href="http://www.bayareahomesforyou.com/">http://www.bayareahomesforyou.com/</a><br /> <br /> Real Estate & Community Blog: <a href="http://www.bayareahomesforyou.com/blog">www.BayAreaHomesForYou.com/blog</a><br />                                                        </div></p>