Ray's Real Estate Blog


    Increase Your Home's Value Up to 28% with these 5 Tips!
    Great curb appeal not only makes your home the star of the neighborhood, it can also improve its value and help you sell it for more. Whether you?re thinking of listing your home or just want to make your home the envy of your neighbors, here are several ways to increase your home?s curb appeal. 1. Make your home?s exterior look like new.For many potential buyers, the condition of the exterior of a home can offer clues to the condition of the interior. The first place to start when boosting curb appeal is the exterior of your house.Paint. Paint is the best way to make your home appear newer. While you can paint your home yourself, if it?s large or more than one story, consider hiring a professional. Painting is a fairly inexpensive improvement with between 60 to 100 percent return on investment.1Maintain your siding. Over time, weather and the elements can make your home?s siding appear dull and dirty. Use a pressure washer to clean stains, spider webs and accumulated dirt and grime, or use a soft cloth and a household cleaner to get into those small nooks and spaces. Although the average life expectancy of siding ranges from 60 to 100 years, depending on the material, extreme weather may reduce this number. If you need to replace the siding, you?ll enjoy a 77 percent return on investment.1Paint or replace garage doors. If your garage doors are in good condition, give them a new coat of paint. If they?re beginning to show their age, consider replacing them. Not only are new garage doors more energy efficient and better insulated than older models, they also have a 91.5 percent return on investment.1Maintain your fence. Replace rotted or worn posts and panels and freshen it up with a coat of paint. If you have a hedge that serves as your property?s border, keep it trimmed and in good shape. 2. Pay attention to the small details.The small details tie your home?s exterior together and help it stand out from others in the neighborhood.Paint front door, trim and shutters. This inexpensive improvement adds brightness to a home, whether you choose a bold color, a neutral tone or classic white.Install new door fixtures and be sure they match in style and finish and complement the style of your home.Update your house numbers. Make sure potential buyers and guests can find your home. If the numbers have faded or need an update, replace them. If choosing a metallic finish, make sure it matches the finish of your exterior light fixtures. 3. Tend to your driveway and lawn.Well-landscaped homes may sell for between 5.5% and 12.7% more than other similar homes and studies show it may also add up to 28 percent to your home?s overall value.5 Place a border along your driveway or walkway made of brick, stone, pavers or another ?hardscape? element to add visual interest to a plain driveway.       Maintain your green space. If you have grass, a well-maintained, green lawn makes your home look inviting and picturesque. However, in many parts of the country, water conservation is becoming more important. Xeriscaped landscapes incorporate drought-tolerant vegetation that thrives in warm, dry climates, such as lavender, sage, wisteria and agave, with water-saving drip irrigation and mulch. Xeriscaping has a cost savings of 36 cents per square foot annually through reduced irrigation and maintenance costs.3 Additionally, these landscapes are virtually maintenance free, which makes it an attractive option for busy buyers.Include trees and shrubs to create texture and add interest to your landscape. Planting a few types of trees and shrubs of varying heights, widths and flowering times boosts your home?s curb appeal year-round. 4. Make it feel inviting.It?s no secret that emotions play a role in a person?s decision to purchase a home. Stage the outside of your home to evoke warm feelings.Stage your porch. If you have a front porch, make it feel more inviting by including seating, such as a chair or loveseat, an outdoor rug and a small table. If space is an issue, incorporate small decorative touches, such as a festive wreath or potted plant.Hang flower boxes on your front porch railings and/or below your windows. If you don?t want to affix flower boxes to your home, purchase nice planters and containers and place them around your porch or on your front steps.Choose flowers and plants that bloom at different times of the year for year-round appeal. For example, bulbs not only bloom all spring, they also multiply and come up every year. Perennials often flower for most of the year and will prevent you from having to replant them every year.       If you don?t have a green thumb, choose low maintenance plants and flowers. Flowers such as lavender, rosemary, and zinnias are a few low-maintenance and drought-tolerant options.           5. Boost Your Online ?Curb Appeal.?For those interested in selling, it?s important to know the effect online curb appeal has on a home. The better impression your home gives online, the more likely buyers will want to see it in person. Here?s how to get your home ready for its listing debut.Stage your home. Staging shows your home in its best light and helps potential buyers picture themselves living there.Hire a professional to take photos. A photographer has the skills and equipment to shoot your home in the best light and make it look its best.Include a short video tour of the home. Videos are becoming a popular way to give buyers a glimpse of the home before they step foot in it. Before you start a home project, keep these four things in mind:1.  Why are you renovating? In other words, is your intention to update your home and get it show-ready or do you want to sell it for more money? Don?t fall into the trap of undertaking major renovations that may not pay off when you sell. If your home is in good shape, a few inexpensive updates may be enough to make your home attractive to buyers.2.  The style of the neighborhood. Whenever you renovate your home, make sure the project fits with the style of the neighborhood and rules of the homeowner association. For example, an HOA may limit the choice and number of trees you can plant on your property. Similarly, a tall hedge border may not fit in in a neighborhood of low, picket fences.3.  Permits. If you?re planning an extensive exterior renovation, you may need a permit from your municipality or other authority.4.  Budget. A budget keeps your project?s costs and scope in check. Make a list of the improvements you?d like to make, set a realistic budget and stick to it. If you?d like advice on improvements you can make to boost your home?s curb appeal, give us a call. Are you thinking of boosting your home?s curb appeal or renovating your home before you list? Do you want help making your home more appealing to potential buyers online and in-person? Give us a call and we?ll help you present your home in its best light. Sources: 1. Remodeling, 2016 Cost vs Value Report                 2. Realtor Mag, September 22, 2016                 3. REALTOR.com 4. Houzz, Houzz & Home-U.S., June 2016 5. Houselogic.com Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    5 Reasons to Sell Before the "Selling Season" Starts!
    Thinking of waiting till Spring to sell your home?  You may want to think again.  A common thought in real estate is never list your home in the winter offseason. Perpetuated by industry experts, agents and repeat sellers alike, this saying encourages many would-be sellers to wait until the spring peak to list their homes. However, studies show that homes listed in the winter offseason not only sell faster than those in the spring, but sellers also net more above their asking price at this time.1 Don?t wait until spring to sell. If you?ve been thinking of selling your home, here are five compelling reasons to list now. 1.    Take advantage of low inventory. Since most sellers are waiting until spring to list, local inventory falls during the offseason. However, there are still motivated buyers who are ready to move now and don?t want to wait that long to purchase a home. According to the National Association of Realtors, 55 percent of all buyers purchased their home at the time they did because ?it was just the right time.?2 These eager buyers may flock to your home. You may not need to try as hard to make your home stand out in the sea of other similar homes. With less competition, more buyers, some of whom may have otherwise overlooked your home if you listed during the peak, will express an interest to buy. While you?ll likely have fewer showings in the offseason, buyers who do visit will be more serious about writing an offer. Your home will likely sell faster than it would have during the peak season. 2.    Set a higher listing price. Homes sold during the offseason sell at a higher price, on average, than those sold during the spring and summer peak. There are many reasons for this. First, motivated buyers are willing to pay closer to the asking price for a home. Second, homes are more likely to be priced right and reflect the economics of not only the local market, but the neighborhood as well. Often, homes listed during the peak may be priced to compete with other homes in the area and neighborhood. Sellers may be pressured to sell for less than the list price in order to encourage buyers to choose their home out of the others on the market. 3.    You?ll receive more attention. While our team always strives to give you the personal attention you deserve, when you list during the offseason, we?re able to work more closely with you to ensure your home is prepared for its debut on the market. We can also take more time to answer your questions, address your concerns and prepare you and your home for the sale. Additionally, if you?d like to hire a tradesperson to handle routine maintenance or undertake a minor home renovation before you list, you may be able to take advantage of flexible scheduling and cheaper rates. Many of these professionals experience a winter offseason as well, and will be able to focus their time and attention on you and your project. 4.    Easier to maintain curb appeal. Curb appeal is intended to attract the buyers who are just driving by as well as those who saw your home online and wanted to see it in-person. It sets the stage for what interested buyers can expect when they step foot in the home during a showing or open house. If you list your home during the peak of the selling season, you may exhaust your time your energy maintaining curb appeal. You?ll likely spend most of your free time mowing the lawn, weeding, trimming shrubs and hedges, planting flowers in pots and in flowerbeds, pulling spent blooms and watering it all to ensure it looks lush and healthy on a daily basis. After all, a lush landscape will attract potential buyers and set your home apart from other similar homes in the area. The offseason eliminates the pressure to maintain a picture-perfect front landscape. Since most grass, shrubs and plants go dormant at this time of year, you?ll have less to maintain. If you live in an area that experiences a traditional winter, your landscape will be covered with snow. Even if you live in a milder climate, you may not have to mow as often, if at all. It?s still important to ensure your exterior appears well-tended, so make sure your walkway and front porch remains free of snow, ice and debris. 5.    Tap into the life changes of buyers. Many buyers receive employee raises and bonuses at the end of the year. If they?ve been saving to buy a home, this extra money may allow them to reach their goal for a down payment and put them on the path to becoming a homeowner. Additionally, companies often hire new employees and relocate current ones during the first quarter of the year, creating a strong demand for housing. If you live in an area that?s home to a large company or has a strong corporate presence, this may be the perfect time to list. Thinking of Listing in the Offseason? 3 Things to Do Before You ListGet your home ready to list by following these tips. 1.         Schedule maintenance. Buyers, especially first-time buyers, want a home they can move into right away; they don?t want to repair the roof or the furnace or replace windows with blown thermal seals before they move in. Do the scheduled maintenance and make repairs before you list your home for sale. In some cases, it may help to have an inspector do a pre-inspection of your home. A pre-inspection will make you aware of any major, potentially deal-killing, issues that will have to be addressed before you list. It also gives you an idea of minor issues that a potential seller may want repaired. Overall, it helps you to accurately price your home and may protect you from claims a buyer might make later.3  2.         Create light. Balance out the lack of natural light outdoors by turning the lights on inside. Since people naturally tend to buy emotionally, turning on the lights helps create a sense of warmth and coziness. Light a fire in the fireplace, if you have one, fill your home with the scents of the season, such as vanilla or fresh baked cookies, and put a throw blanket on your sofa. If you plan to paint the interior of your home before you list, consider an off-white shade to create consistency throughout your home and make the space feel larger and brighter. If you have photos of your garden or the home?s exterior in the spring or summer, display them so interested buyers can get a glimpse of what the home looks like in other seasons.. 3.         Give your home a thorough cleaning. Cleaning puts your home in its best light. Clean and polish all the horizontal surfaces of your home, including countertops, window sills and baseboards; have the curtains dry cleaned or otherwise laundered; wash windows, glass doors and their tracks; vacuum carpeting and polish all wood surfaces, including the floor. Additionally, this is a great time to pack any personal items and family photos as well as sort through your belongings and donate items you no longer use. This not only eliminates any clutter, but it also gives you less to pack and move when you sell. If you?re thinking of selling, give us a call! We?d love to help you position your home to sell in our market.  Sources: 1. Time, October 30, 2015            2. National Association of REALTORS, 2016 Profile of Home Buyers and Sellers            3. Forbes, August, 27, 2013Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    FaceBook Hid Mine. Are They Hiding Yours?
    Today, my daughter-in-law posted an article about how there's apparently ANOTHER hidden message in-box on FaceBook.  When I read the article, I was like "Yeah, right.  This isn't real.". Well, I followed the steps in the article and realized it was true.  FaceBook apparently sends some messages they feel are irrelevant to the equivalent of a "Spam" folder.  Only, they never told us.  I accessed this "secret message box" and found a ton of spam messages.  But that's not all.  I found SEVERAL free sandwich offers from the local Chic-fil-A, a TON of messages from my own office (I WORK THERE! GEEZ) and 3 messages from people I don't know who were referred to me and interested in buying a house. Really?  Thanks a LOT FaceBook!  No Really...thanks!If your'e not familiar with this revelation, here are some easy steps to take to see what you may have missed. 1.  Go to Messenger  2.  Click on Settings (gear symbol) at the bottom of the screen.  3.  Click on People  4.  Click on Message Requests 5.  Finally, scroll all the way to the bottom and click on See filtered requests to see what you've been missing. Hope you find this info helpful.  And hopefully you haven't missed anything super important!  Have a great weekend!Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    I Got Skewered On Yelp! OUCH!
    Despite the fact that I'm in a 100% commission based sales position where reviews and referrals are of the upmost importance, I am not very good at asking past clients for recommendations.  So when I saw the email from Yelp Thursday night stating that I had a new review, I was excited with the anticipation of finding out who had taken the time to actually review me.  But that excitement turned to a sunken heart when I saw the 1 Star rating and the word "unprofessional" in the first line of the review.  And it only got worse from there. The reviewer continued on stating things like, "This person is as unprofessional as it gets without putting on a clown costume, wig and a fake flower that squirts water?  And later stated, ?I?m surprised he was able to dial the number I provided.?  He also stated ??many times I tried to work with Ray?? and ??people like you truly deserve to go out of business.?   He called the other people who had reviewed me on Yelp, ??some goobers you (were) able to get over?? I couldn't believe what I was reading and was mortified that someone felt so much anger & hatred toward me. What made it even more frustrating was that I didn't know who he was because he gave no clues other than saying he contacted me about my Huntington Beach listing.  In his review, he stated he offered ?way over the sales price? of my listing and I ignored him and sold to someone else for much less than his offer.   An absurd accusation. I left a very polite comment stating I was sorry he had such a bad experience & that I took criticism very seriously. I asked him to private message me the details of our interaction so I could research his issue further.   I figured there was no sense in going back and forth on a public forum and airing our argument for all to see.  Instead of privately messaging me back, he amended his review online with even more vitriolic comments.   Luckily, he inserted a screenshot of a text message I had responded to over 3 months ago.  Thankfully, with that, I was able to go back and find that text, which led me to finding out who he was and?? the rest of the story". What I found was that his review was completely false.  I assume he was just ignoring the facts and was angry at himself for missing an opportunity.  I believe he wanted to take it out on me instead of claiming responsibility for his own failure.I wasn?t sure what to do because I didn't want to argue back and forth on the Yelp public forum.  My wife advised me to just ?let it go? because ?you can?t please everyone?.  Until she actually read his review and wanted to take a bat to him.  Ha!  So I sent him a very, very detailed and lengthy email.  In my email, I included several screenshots of all interaction he and I had together.  My email was clearly proof positive that he was wrong and that  I had conducted business quickly, concisely & professionally.  My email, by the way, was also very professional and businesslike.  It was also  apologetic for his obvious misperception, although I believed no one in their right mind would have the same misperception. To make a really long story not quite as long, he finally kinda, sorta, maybe  admitted slightly that I might be right and that his review was not all that fair.   Without me asking, he went back on Yelp and deleted his review. Whew! But this whole ordeal made me realize the power of the online review and how even a misperception can leave a devastating black mark on my own personal business. None of what his review stated was accurate, yet there it was on display for all to see. I wonder if anyone saw the review and decided to take their business elsewhere because of it. I hope not.  For several days, I was somewhat distraught and in a little bit of a panic.  I internalize criticism and take it very seriously.  Even when it?s false and baseless. From now on, I really need to break away from my reluctance to "bother my clients & friends" and I need to be more diligent in asking for reviews and recommendations. It takes at least 10 good reviews or more to offset one bad one. And I can't leave that up to chance. It's too important to my continued business success which in turn drastically affects my family's well being. Lesson learned!Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    Real Estate Market Update September 2015
    Here's a quick market update for the month of September, 2015.  Simply click on the video below for the info.The Real Estate market in Riverside and the Inland Empire is ever changing.  If you'd like to know what this information means and find out how it affects you personally, please contact me for a free, no-obligation consultation.And please don't keep me a secret from your friends, family and acquaintances.  I've built my business on referrals from my past clients and my friends.  Since 1996, I've helped 1,000's with their Real Estate needs and I'd be happy to help you as well.  For experience you can trust, I'm here to help!.Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    Where Are All My Reviews?
    My wife and I wanted to try something new for dinner.  Someplace we'd never been to before.  Something different.  We discussed this place and that place and nothing really caught our interest.  So, I picked up my smartphone and clicked on Yelp to search restaurants.  As we scrolled through the findings, we decided upon one restaurant:  Health's Kitchen.  Why that particular spot?  It was a brand new business serving healthy foods and it had already garnered 85 reviews with 4.5 stars on Yelp and 44 reviews and 4.8 stars on FaceBook.  Let's face it.  Who wants to try something new unless someone else has gone before, survived and lived to write all about it?  In fact, how many times have you needed a mechanic for your car, or a plumber or electrician and asked a friend for a recommendation?  We do it all the time.  And where do we typically do it?  Online!  Yep...that's where we now go.  That's why it's so very important to have those reviews readily available for the consumer to access.It's no different with my Real Estate business.  The need and importance of online reviews is non-negotiable.  Especially since nearly 90% of all customers search online before ever contacting a Realtor.  Having satisfied clients boast about you helps make that first contact with the client a little less worrisome for them.  But first, you have to have satisfied clients.  And second, they need to be satisfied enough to take the time to post a review online.The typical Realtor makes cold-calls and does the door-knocking to obtain new clientele.  Many Realtors hate doing it but it's a necessary part of the business.  I'm not the typical agent.  I don't make cold-calls nor do I door-knock for new business.  What I HAVE done since 1996 is strive to be the most trustworthy, honest and ethical Realtor I can be and make sure my clients are happy with the service I provide so they will tell others.  My business is 90% referral based.  Therefore, those online reviews are super important to me.  So...where are they?Recently, Zillow merged profiles with Trulia to take the 2 most powerful Real Estate search portals and make them into one!  In doing so, Zillow decided to make some changes in the way they post agent reviews.  Gone are the very valuable 5-Star reviews like Trulia presented.  And also gone are many of my actual reviews.  In fact, many of the reviews that remain no longer even provide the name of the reviewer which really annoys me because I had a few local famous people who provided reviews.  Yes...that's a little self-serving but c'mon...so are reviews.  And by removing the name of the reviewer, I believe that removes some of the trustworthiness of the the review.  Out of 26 total reviews, I now only have 9. Zillow announced that their process of approving reviews has "strict review requirements" and that many previous reviews didn't meet the criteria.   Zillow spokeswoman Katie Curnutte recently stated that although the reviews are posted by real clients about real transactions, many reviews were eliminated for 2 reasons.1.  Any Trulia review that didn't have a star rating was removed.  Therefore, any Trulia review prior to 2014 was eliminated since they didn't start publishing star ratings until that year.  That really hurt because I am (was) a 5-Star Agent on Trulia2.  Zillow removed any reviews that focused on the agent's character instead of the level of service.  So apparently, "Ray sold my home" is way better than "Ray is the most honest, trustworthy Realtor and has more experience and integrity than anyone I know."  Really?  Gee...that's too bad!Zillow has already garnered a sour taste in the mouths of many Realtors.  They take our listings and then try to sell them back to us with advertising.  They promote their "Zestimate" as an estimate of home values when it is notoriously incorrect.  But this one issue really irks me.  I don't bug my friends and family with calls and emails about my business so these reviews are uber crucial to my business.  So, if you're a Realtor, I suggest you join me and many others in bombarding Zillow with the question: "Where Are My Reviews?"Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    Sales Price vs. List Price Show a More Typical Market
    Just thought I'd share some information about the local market.  I was perusing the list price vs. sale price numbers in my local city of Riverside and I think it shows a telling story.  I recall back between 2012 and 2013 that homes were selling in 4 to 5 days after being placed on the market.  Multiple offers were the norm and the sales price typically landed several thousand over the original listed price.  But that began to change as price increases slowed in 2014 and have continued to do so into the 1st quarter of 2015.Check out the information below that shows the year-over-year difference between the monthly average sales price vs. listed price.  I think the information shows that the market has slowed to a more stabilized type of market.Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    Forget Batman. This "HERO" is NOT the One the City Deserves Nor Needs
    "You either die a Hero, or live long enough to see yourself become the villain."You may or may not have heard about the uproar being dealt with over the famous (and now infamous) H.E.R.O. program.  But it's become more and more of an issue in recent months as home values continue to rise and homeowners are wanting to cash-in on the new equity before it's too late.  It appears for now that the program, which was once hailed as a "hero" to homeowners is being looked at closely as possibly now being...a villain.H.E.R.O., the Home Energy Renovation Opportunity, came about to assist homeowners in obtaining energy efficient repairs & upgrades to their existing home without large out of pocket expenses.  The total amount for the repairs/additions are attached to the property taxes and are paid for over time.  Sounds good.  But for many homeowners, it can be a problem if they ever want to refinance or sell their home.  The loan takes a first-lien position on the home, meaning that if the home is sold or refinanced, the H.E.R.O. loan stays with the house as number one with the taxes.  Not a problem if you have a great low interest rate and are thinking of staying forever (or long term) at your current residence.  But if you think there's a chance of selling in the near future, I'd be wary of adding a huge 2nd loan.I recently closed escrow on one of my clients that had a $20,000 H.E.R.O. loan.  Luckily, they were able to sell and pay it off and still walk away with a good chunk of change in their pocket.  But I've also spoken with 2 other sellers who were not so fortunate.  Both were divorce situations, both had to sell, both had large H.E.R.O. loans and both were upside down because of it.Another issue arising out of the recent rush to add these types of home improvements has been disclosure.  The question of "was the homeowner properly disclosed of the ramifications of obtaining this type of PACE loan?" has been passed around and is now gaining the attention of District Attornies.  Just yesterday, the Inland Valley's Association of Realtors (of whom I am a member) had an open forum about the H.E.R.O. program.  One of the special speakers was, Riverside County Deputy District Attorney Raymond Ramirez.  Mr. Ramirez confirmed and investigation is currently underway on how consumers are being sold energy efficient types of products through the H.E.R.O. program.  You can check out the entire news article about the meeting by clicking HERE!Currently, the "jury" is still out on the H.E.R.O. program in regards to how the program is being presented to consumers.  But if you're looking to add energy-efficient products to your place of residence, I suggest you get with me first to discuss whether or not it's a good fit for you.Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    Video Is Where It's At Today!
    I've always loved video and use it often in my marketing.  I've been doing video for several years on my own, first with a digital 8 camera and then on to the iPhone.  I've done videos of houses, informational videos, market update videos, and just plain silly videos for fun.As a ALC member in my office (Agent Leadership Council), I train a lot of the Realtors.  It always amazes me when I ask the class who has a YouTube channell and no one raises their hand.I've recently been working with SocialNetworx, a local company that specializes in assisting the Real Estate industry with cutting edge technology services.  I had them complete my introduction video below.Check it out.  And let me know if you use video in your business and how affective it is for you.  If you don't use video, I suggest you start now.Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    Don't Be Like Norman...Hire a Realtor!
    If you're attempting to sell your home on your own, you may want to know about "poor Norman".  Check out his story in the video below. Many people believe that they can save time and money by selling their home on their own. In reality, the statistics show otherwise. The above video and this quick blog will give you some solid facts to consider when you are deciding if you will try a for sale by owner (FSBO) or to work with a seasoned REALTOR. In total, FSBOs made up only 9% of the home sales in 2013 and, on average, sold for $184,000. The remaining home sales that were completed through the assistance of a real estate agent sold for an average of $230,000. Further, many FSBO homes are not properly marketed. In fact, 32% of FSBOs were not even marketed at all. Here is a breakdown of typical FSBO marketing methods: ? 36% of people used a yard sign? 28% simply told friends, relatives, and neighbors? 16% used online classifieds? 14% held open houses? 13% used FSBO websites? 7% implemented social networking sites? 7% added their home to the MLS? 7% put in a newspaper ad? 1% used mail, flyers, postcards, and the like? 1% created videos If you were to seek out the assistance of an expert REALTOR, then it has become common for them to create virtual tour marketing videos, list your home on the MLS, post yard signs, host open houses, advertise using social media, and more. Indeed, you will get much better marketing and assistance when you do not try to go FSBO. Also, some common difficulties that FSBO individuals stumble upon are the following: ? 18% understanding and filling out paperwork? 13% setting a smart price? 12% properly preparing, fixing up, and staging their homes? 7% selling their home within a planned time frame? 6% finding the time to work on all aspects that come with selling? 3% assisting the buyers in finding financing? 3% being able to attract buyers So it is easy to see that those attempting to go FSBO will come across many problems and hassles and are also likely to make many mistakes. If you are looking to sell your home and avoid frustrations and setbacks, then contact me, Ray Wright, your local community and real estate expert. Call me today at (951) 888-0865. Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    BEWARE! Leave my Advertising Alone or Else!
    Several years ago I began using car magnets to advertise my business.  I was always reluctant to do so because I'm a pretty quiet, reserved and shy kinda guy.  HA!  But no...really.  I hate to be pushy or always spouting off about my business to friends and acquaintances.  I don't want to be that sales guy.  I don't want people running and hiding when they see me coming.But one day, a fellow Sunday School teacher at my church told me he was moving and had just sold his home.  He had no idea I was a Realtor and was quite dismayed because he said he would have listed with me had he known.  A few days later while in line at a Starbucks, a friend in front of me told me she had just bought a house.  As soon as she said that, a quizzical look on her face came up as she asked, "wait...what do you do again?"  She remembered I was a Realtor but all too late for me to help her.  That night, I ordered my magnets.  I thought, "what a perfect way to advertise what I do, without being pushy!"But then, it happened.  Friends would see my face on the magnet and take that opportunity to turn me upside down.  All in good jest...(I hope).  Mostly it was at church and I caught several "friends" in the act.  So I took it upon myself to use protection.  Drastic, yes.  But it had to be done.  You can see the results in the short video below.  Beware!Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    Will the "Sweet-Spot" turn Sour?
    Freddie Mac recently released it?s PMMS, the Primary Mortgage Market Survey stating that the average fixed rates for mortgages remained fairly steady.  The 30 year fixed rate mortgage was averaging 3.7% at a little more than ½ a point which was down from 4.41% this same time last year.This is great news for buyers and sellers alike.  Right now, we are in the ?sweet-spot? where the market is looking good for both buyers and sellers.  As rental costs climb and interest rates stay low, more and more buyers will be looking for a home in order to get in on the historically low costs of a mortgage.  Why is this good news for sellers?  The more buyers that are out looking, the more likeliness that home prices will continue to increase.  Albeit slightly.But there?s danger on the horizon.  Since last year, the Fed has been hinting on raising interest rates, which is typically what happens as the economy gets stronger.  Last Wednesday, the Federal Reserve released a statement saying it would consider raising rates as early as June, 2015.  Rates have been artificially low for quite some time now in an attempt to stimulate and strengthen the economy.  It seems the Fed is optimistic that the economy no longer needs as much help from the stimulus as in the recent past.  Fed Chairwoman Janet Yellen said the Fed was not declaring an interest rate hike in June for sure, but went on to say, ?we can?t rule that out?.From all economic forecasts, it appears there is change coming soon, perhaps as early as this summer. This information may just be enough to spur those fence-sitting buyers to make the plunge into homeownership.  And it just may be the push sellers need to place that For Sale sign in the front yard. All before it?s too late and the current ?sweet-spot? turns sour.Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    So...Here We Go Again?
    I recall back in the 90's right before getting into Real Estate, I was working as an Account Executive for a very large bank.  We focused mostly on what's popularly known as "A Paper", which is to say we only gave loans to those who were creditworthy and expected to be able to pay the loan payments.   In a meeting at the corporate office, there was talk of opening new branches however we were being barred from doing so because of our reluctance to start doing risky loans.  These loans our bank refused to do are commonly known as "sub-prime" loans and we now know the result of numerous lending institutions making these risky loans to people who should never have been given a loan.  My bank is no longer in business by the way. I won't go into all the details of the causes of the well known mortgage meltdown in this post.  That's not the purpose of this writing.  For the details, you can always refer back to my previous post "How Did We Get Here" Today's post will be a quick look at something happening that hearkens back to the whole "sub-prime" debacle.  And I'm really concerned. Recently, a group met to discuss credit standards and how to affectively provide loans to those with less than stellar credit. The symposium, co-hosted by the National Association of Realtors, the Asian Real Estate Association of America and the National Association of Hispanic Real Estate Professionals came to a consensus that "government-sponsored enterprises should update their scoring models" to address the "unique spending and savings habits" of some borrowers who have been left out of purchasing a home due to...bad credit.  It went on to state that FHA is looking at new credit scoring models in order to bring "housing opportunities within reach of more Americans."  And it appears the "more Americans"  they are trying to get loans to are those that have less than "A-Paper" criteria. I'm all for helping people realize the dream of homeownership.  That's what I do.  But I don't want to see us go back down the road that got us into a huge mess as before.  But unfortunately, I see us heading in the same direction as before.Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    Corona Home For Sale - 995 W. Kendall St., Corona, CA
    At the end of a quiet Cul-de-sac awaits this great Corona home on a huge pool-sized lot. With 2 large bedrooms and a full bathroom, this home is a prefect match for the first time homebuyer; the family just starting out or those looking to downsize. Relax in front of the cozy fireplace in the spacious living room or entertain on the rear patio deck overlooking the large backyard. This home is impeccably updated throughout with custom wainscoting, paint and custom molding. The home also features newer wood flooring throughout, newer energy efficient central a/c & heat and a newer water heater. Another great benefit is the new energy efficient exterior CoolWall TexCote. With a 2 car attached garage and large indoor laundry room and storage area, this home will fit the needs of the most discriminating buyer. But hurry! Get on the list to see this home before it's too late! Click Here To View The Video Tour! Click Here For The Official Listing Site Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    Those Who Can't Do...Teach!
    When I was a kid, I used to joke with my P.E. Teacher mother that "Those who can't do...teach.  And those who can't teach...teach P.E."  Okay, that's an old saying.  But it does ring with some truth for some people I know.  I'm part of the Agent Leadership Council for Keller Williams and I was teaching a class the other day in my Market Center.  Afterwards, I had a small group of Realtors gather around and we were talking about different scripts and ideas.  They kept saying things like, "that's a great idea" or "I could learn a lot hanging around you".  I was doing so good I wanted to take notes...on myself.  But afterwards, I thought "I'd be far more successful if I actually did all the things I teach".  HA!  But true. I've personally bought and sold Real Estate and made quite a bit on flipping.  I've also done free seminars on the topic in the past.  About a week ago, a friend of mine asked me when was I going to do another Investor Flip Workshop like I had done before.  I looked at him and replied, "as soon as flipping comes back around". In the not so long ago past, investors and all-cash buyers drove the home sales and buoyed the flat Real Estate market.  Investor flips were all the rage and it seemed like I couldn't find properties fast enough for my buy-&-hold clientele and flipping partners.  I worked closely with 2 large buy-&-hold investors, Invitation Homes and Waypoint Homes, who both gobbled up a huge portion of the local market buying homes for cash at considerable discounts.  I also partnered with numerous flips in the local area.  But those purchases have ceased.  It just doesn't make sense in today's market unless we can find a very undervalued property in order to make the necessary return on the investment.  And most of my clients and partners are considering whether to sell now before interest rates go up or hold the properties longer and wait for the cycle to come back around again in the future. Currently, the big acceleration of home prices has slowed considerably.  According to Realty Trac, all-cash offers made up under 31% of home sales in 2014, the lowest number in 4 years.    Now the cash buyers have nearly all been priced out of the market as values rise beyond what is an acceptable price for their investment model. So then...why did I see 2 different infomercials for seminars about flipping? Well, allow me to restate the comment I made previously.  "Those who can't do...teach".  Now don't get me wrong, these former flippers turned seminar instructors most likely have a proven track record.  But the key word is "former".  If they're not flipping now, the question to ask is, "why not?"  The answer is because the market is not the best to flip or buy-&-hold because we are in an "up" market.  Prices are still escalating but at a much smaller percentage and if interest rates go up like the fed has hinted, then it will be awhile before realizing any return on investment as prices stabilize and/or decline.  So, as an expert flipper, you can wait till the market cycle turns around again or you can charge others to learn the steps you used to conduct your business. So when you're sitting around watching TV this weekend and you see an infomercial offering you huge profits in flipping houses, turn the channel and remember, "those who can't do...teach"Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    We Don't Hunt FOR the Eggs, We Hunt Through the Eggs!
    You may be expecting to read a blog post about Easter eggs, egg coloring contests, pretty Easter dresses, etc.  But if you know me, you know I'm not all about that.  When it comes to Easter, my kids and grandkids always do the typical Easter egg hunts and we always get them Easter baskets.  Even being a former Pastor, it doesn't bother me to do so when it comes to Easter as long as we always instill into the kids the true meaning behind the day.  But there is one thing I've been doing for many years to incorporate the real Easter story with the secular commercialized form of Easter we see everywhere. For about 17 years, I have been teaching the combined fourth and fifth grade Sunday school class at my church, Harvest Christian Fellowship in Riverside, California.  Every year at Easter, while many churches and secular places are having Easter egg hunts, I've been doing something a little different.  I've been using Easter eggs to actually tell the Easter story.  I got the idea from our youth directors at a Baptist church where I was the worship leader back about 20 years ago.  I purchase 100's of multicolored Easter eggs, empty egg carton's, and other small items all in bulk.  I then fill each egg with one thing that represents a portion of the Easter story.  On Palm Sunday (the Sunday before Easter), we go through the egg carton one egg at a time in class, telling the story.  At the end of class, each child takes a carton home with them so they can share with their friends and family.  I have found that the project actually helps remind the kids of each part of the story and it ties the whole "egg" thing to the real Easter. I had trouble finding items for each egg that would not cause me to go broke so I found inexpensive items that are available anywhere..  I fill each of the 12 eggs as follows: Egg 1 - A Palm Leaf Reminding us of the triumphal entry by Jesus into Jerusalem riding on a donkey being hailed king by the people waving palm branches as is customary in the day. Egg 2 - A piece of Matza Reminding us of the Passover meal where Jesus broke the bread and told the disciples that it represented his body which was going to be broken for them. Egg 3 - A red Lifesaver Reminding us of the wine Jesus gave the disciples at the Passover meal telling them that it represented His blood that was going to be shed for them (and us).  The lifesaving blood of Jesus Egg 4 - A sticker with the praying hands of Jesus (or a sticker of Jesus praying in the Garden) Reminding us of the time Jesus prayed to God the Father before being betrayed. Egg 5 - 30 Cents (3 plastic silver dimes) Reminding us of the 30 pieces of silver Judas was paid to betray his very close friend, Jesus Egg 6 - A piece of leather (a 4"-5" portion of a leather shoelace) Reminding us of the terrible, torturous scourging given to Jesus by the Romans Egg 7 - A wooden cross Reminding us of the heavy cross Jesus carried through the streets of Jerusalem to the hill where he would be put to death. Egg 8 - 3 nails  Reminding us of the crucifixion where nails were pounded through each of his hands and feet as He took the horrible punishment for each of our sins. Egg 9 - One dice Reminding us of the Roman soldiers gambling at the foot of the cross to win Jesus's cloak fulfilling the prophecy in Psalm 22:17-18 Egg 10 - A strip of cloth (muslin cloth) sprayed with cologne Reminding us that Jesus died and was buried, wrapped in the traditional burial cloth with the burial spices.  Possibly the same burial spices Jesus received from the "wise men". Egg 11 - A stone Reminding us of the stone placed in front of the tomb where Jesus was buried.  That same stone that God rolled away on the 3rd day. Egg 12 - It's empty Reminding us of that the tomb is empty because we serve a living God. We don't hunt FOR the eggs.  I give each child a carton with the 12 eggs inside and we "hunt" through each egg to get clues to what happened that week over 2000 years ago.  Last Sunday night, I handed out "Easter Toolkits" to 33 kids in my class.  I look forward to hearing from them the next time we meet about how they used them to share the story with friends and family. Have a Happy Easter!Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    Thinking About Selling? Maybe You Should!
    If you're a homeowner sitting on the fence wondering if it may be the right time to sell or not, I have to say, "Just Do It!"  Before it's too late.  According to Zillow, mid-March to mid-April is the best time to hang out the "For Sale sign because homes sell 15% faster and for 2% higher than the average sale.  But things are changing and the seller's market is swaying a bit more towards the buyer. "It's still predominately a seller's market, but less so than the last year or two," said Stan Humphries, Zillow's chief economist. "Some advantages are moving back to buyers; but largely and broadly ... it's still favoring the sellers." If you're considering if you should sell or not, here are a few things to ponder: 1.  Interest rates are LOW - Did I say low?  I'm sorry, I meant to say "really, really, stupid crazy low".  Because we are at historic lows when it comes to interest rates, more and more buyers are jumping on the buying bandwagon.  And with the recent hint from the Federal Reserve that interest rates will be climbing soon, many homeowners are listing for sale now before rates go up and their left out of the market. 2.  Very Low Inventory -  currently the number of homes on the market is still very low which continues to drive prices upward slightly. This continues to cause the market to stay in a "seller's market" atmosphere.   A typical market sees a 6-7 month supply of listings and according to the National Association of Realtors,  The inventory of homes last month in February was 4.6 months.  When the inventory is low, it increases pricing and causes multiple offer/bidding war situations. 3.  Cash Buyers Are Dwindling - In the not so long ago past, all-cash buyers and investors drove the home sales and now the big acceleration of home prices has slowed considerably.  According to Realty Trac, all-cash offers made up under 31% of home sales, the lowest number in 4 years.  I worked with 2 large investors, Invitation Homes and Waypoint Homes, both who gobbled up a huge portion of the market buying homes for cash at considerable discount.  Now they have nearly been priced out of the market as values rise beyond what is an acceptable price for their investment model. 4.  To Expensive to Rent - The 15+% rise in rental prices could and should trigger renters to get off the fence and plunge into homeownership before interest rates increase.  But the fact that rents are so stinking high makes it difficult for renters to save for the typical 3.5% down payment as well as closing costs.  This is a perfect opportunity for parents to step in and help their kids realize the dream of homeownership. Of course, there are numerous issues to address when deciding if it's the best time to sell.  that is why it is crucial to meet with a professional Realtor with many years of experience soon to discuss your individual options.  By "a professional Realtor with many years of experience", I mean ME, and by "soon" I mean NOW!Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    I'm No Longer a Secret Agent!
    What I have eliminated for 2015 will probably be different than what most agents will be posting about. I have gone through different advertising and mailing processes, starting and stopping them at different times.  I've used different types of technology off & on in the past and I've wasted money on things that didn't pan out like I thought they would.  I've paid to attend training events only to find I already knew what they were training.  But just today, I eliminated something that I'm hoping will help get my business back on track. I'm no longer working from home. For years I had a nice office in an upscale newer area of our city.  Clients were impressed with my work digs, and I was happy with the accommodations.  But when the REO market hit around 2007-2008 I found that I rarely met with clients at my office and I began to change my thinking.  Everything I was doing was through an online portal and I had very little interaction with actual clients except for the occasional buyer who would want to buy one of our repos.  Often times I would find myself getting up in the morning and going to my home office and spending hours there before showering, dressing and driving to the main office.  That became more and more prevalent and sometimes I found myself working at home all day and deciding not to even bother going in.  A nice cushy office became a wasted expense and so in order to cut costs I moved my office completely to a 200+ square foot room in my home.  From 2007 through just this week, I have been working completely from my home office which is totally set up with everything I need and more. Whenever I needed to meet clients, I would meet them either at the main office conference room or at a Starbucks or their home.  But this past year, I noticed that I was becoming more and more complacent with business.  I found myself sitting in my office working in pajamas if I didn't have appointments. In fact, if I didn't have appointments all day, I sometimes would not shower and dress until it was time to go to bed again. I installed a flat screen tv over my computer screens and would often watch the news or some sit-com while I was "working". I was becoming more and more of a recluse and agents in my office didn't even know who I was and would often introduce themselves and say, "are you new?". I rarely went into the main office and even didn't show up for meetings despite winning awards for my production.  I was a secret agent.In November of last year, the office asked me to be on the leadership council because I was one of the top producers in our office.  I almost didn't except the position mostly because of the fact that I would need to come to the office more often.  I remember a conversation when they were asking me to be on the leadership council, the team leader of the office stated that he believed my production would skyrocket if I would come to the office more.  He stated, "you're a top producing agent and you never come in to the office, imagine how much more production you would have if you actually worked."  I laughed, however I had to agree.  I have never made a cold call, and I have never door knocked.  My entire business is built on the referral from my sphere of influence and past clients.  The thought of spending money again on an office and actually doing lead generation activities kinda stressed me out.  But being on the ALC these past 3 months brought me into the office more and more for meetings and to teach training sessions to the agents.  And just this past week, I had several agents hanging around after class, asking me questions.  I was teaching some stuff and was actually doing so good I should have taken notes on myself.  Ha!  But I realized that I had missed out on brainstorming, sharing ideas, stimulating conversation at the water cooler, etc.So I am no longer working from home.  Starting today, I'm moving into an new office at our main office. I'm hopeful that being in the office and actually focusing on work all day along with some stimulating work related conversation,  I'll be able to jumpstart my production more than ever before.We shall see.  But starting today...I'm no longer a "secret agent".  Watch out!Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    $50,000 Closer to Home Sweepstakes!
    I want you to win $50,000.  Check out the short video below that tells you how. About two years ago I paid a great company to build a mobile search app for my smartphone that I could share with clients.  It was a great app and all of my clients loved it.  Then earlier this year Keller Williams provided their own mobile search app designed by the same company that did mine.  the new KW app, however was far superior.  I tested the app against other available apps in the industry such as Trulia, Zillow and Realtor.com's and found that the free app supplied by KW out shined them all. I often find myself contacted by prospects while conducting weekly checks of my teams repos and other listings.  In the past, I would have to log in and search the MLS from my iPhone, which was slow and cumbersome.  Now, I just bring up my KW branded app and the info is at my fingertips within seconds.  In fact, I use it exclusively now over all the other apps on my phone.  It's a great tool and even agents from other companies have downloaded my app to their phones to help while they're showing homes. To make this tool even more valuable, Keller Williams Realty is offering a chance to win $50,000 in the Keller Williams Realty Closer To Home Sweepstakes.  By downloading my branded KW app to your smartphone, you can enter to win and have a great resource at your fingertips. Here's how: 1. Go to your smartphone's app store2. Download the FREE Keller Williams Realty Real Estate Search app3. At start up, enter my agent code: KW2KTBUIZ4. Or enter my code in the "My Agent' button after start up.5. Click the red "Enter To Win" button in the app. It's that easy!Or go to: www.WrightSearchApp.comHURRY! The deadline to enter is March 31st, 2014 For the official sweepstakes rules, visit: http://akamai.eprizecdn.net/kellerwilliams/rules.pdfRay Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    I Lost a Buyer to Obamacare!
    I've had buyers come and go for various reasons.  They have a job change that affects their ability or need to buy a new home.  Or interest rates change and cause them to no longer qualify for what they want.  But yesterday was a little different. After working with a great couple in their home search for several months and after making offers on 5 different homes, the buyer called and said they are no longer going to be buying a home.  I knew it was just a matter of time before we found the perfect home for them and I was surprised at their call because they were adamant about getting into a new place before interest rates rose too much further. The buyer advised me that he just got word from his medical insurance company that his monthly rate was going up due to Obamacare changes going into affect January of 2014.  In fact, they were not just going up, his payment was doubling.  He was devastated because his wife has cancer so they need insurance and they previously had a good rate.  He decided to shop around and could find nothing cheaper than the new higher rate he was going to be forced to pay. Aside from the financial distress my buyers now find themselves in due to the higher rate, they are also depressed because now they cannot realize their dream of owning a home.  At least not right now.  We decided to stay in touch and to keep each other informed as to what is happening in their financial lives as well as the Real Estate market. He did seem to have a spark of hope in his last comment when he said, "Well, I hope maybe next November people will wake up and all this will be changed and we'll be back where we were yesterday."  Hmm, we'll see!Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    Real Deals of Real Estate: It's Not All Fun n' Games!
    Since 2008, my team has worked with over 30 different banks and loan servicing companies and have had our share of dealing with foreclosures.  In fact, in the Inland Empire, I've dealt with more foreclosure assignments than the majority of agents.  It is for this reason that I have a wide variety of experiences. I'll share here just a small few of the numerous experiences I've had. When we receive a new assignment from a bank, the first thing that needs to be done is an Occupancy Check.  My son Ryan and I have done 100's + of these over the past few years and even joke about how we are the evil bank rep just like the mean old lady in the Wizard of Oz.  We knock to see who lives there and begin communicating with the occupants, often times negotiating a Cash-for-keys to help them move.  Once such check was in a nice, newer development in North Perris.  As I arrived, I saw balloons, streamers, a large kid's jumper and numerous children running around playing.  It was obvious that there was a party going on.  But I had to make contact, no matter what festivities were happening.  These are the times that I hate my position as the "evil bank representative" but I had no choice.  To make a long story short, the occupants were renters celebrating their adorable little daughter's 10th birthday.  They had been forced to move from their previous rental after finding out it had been foreclosed on.  They found this great new home and contacted a Realtor to have the home checked out because of the previous situation.  Unfortunately, because of their poor credit, they were forced to come up with a substantial security deposit plus a pet deposit and first & last months rent.  Apparently, the owner just didn't want to take a chance on getting deadbeat renters.  The family was excited and emptied their bank account in order to get into this great home in a great neighborhood.   They moved in June 1st, the home was foreclosed on June 7th, and I arrived on June 8th.  There was weeping.  They cried, the little girl cried...and, yes...I cried.  I drove away wanting to hunt down that previous owner and do bad things. With bank foreclosures, we need to do Monthly Management Reports and several banks require weekly checks with updated pictures.  On one such visit to a listing in Redlands, I unlocked the deadbolt and then unlocked the door handle, but couldn't open the door.  I found the deadbolt was still locked so I again unlocked the deadbolt and tried to open the door but then found the handle locked.  I stepped back and though, "am i crazy?".  So I unlocked the door handle slowly and as i did, I could hear the deadbolt slowly turning and locking.  Someone was on the other side of the door.  The hair on the back of my head stood straight up and my heart started racing just a little faster.  I stepped back and called out advising the person on the other side of the door, "I'm going back to my car and calling the police and they'll be here in about 5 minutes so I suggest you gather whatever you have and leave through the back door before they get here."  As I was standing at the street by my car, I saw a very large figure leaving through the backyard in a rush.   When he saw me taking pictures of him, he yelled for me to stop and then began rushing towards me telling me to "gimme that camera".  He stopped when I brandished my 9mm.  Thank goodness I'm an ex cop. On another monthly inspection in a not-so-good part of San Bernardino, I arrived and thought I may have been at the wrong house because the sign was gone and my window posts were missing.  As I walked up to the front door, I heard a TV on and someone washing dishes at the sink so I went back to my car and called the office to make sure we still had the listing.  My assistant advised me that there were no changes in the REO portal.  It was still our assignment.  I called San Bernardino P.D. and was apprehensive because I know from experience that this could go either way.  I knew that the police may try to "kiss it off" and call it a civil matter.  When the officer arrived I was happy when he asked me, "what do you want me to do?".  I asked him to just stand behind me and look tough while I knocked on the door.  When the door opened, I pointed and used my sternest voice when I commanded, "YOU!  Out here and sit on the brick planter!"  When he started to speak, I yelled "NOW!" and he complied.  Then his wife came to the door and I gave her the same command which she immediately followed.  I told them both to give all their personal info to the officer.  When I came back out from looking through the house, the officer had them both cuffed.  He smiled and said, "Warrants.  Both of them". These are just a few of the stories I could tell after 20 years in Real Estate.  Aside from finding homes for horses, livestock, cats and dogs that were left at REO properties.  I've also been chased, cussed at, spit at (they missed), confronted by gang members, threatened and attacked by animals.  Sure am glad I got out of Police Work to do "safer" work.  Geesh!Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    Out of Area Agents, Gotta Love Em...NOT!
    Over the years, I've encountered listings where the sellers have listed with agents out of the area.  Sometimes, WAY out of the area.  Often times, for some reason it seems that these agents are the most difficult to work with.  Many do not respond quickly to inquiries and often times know anything about the home.  I chalk this up to the fact that they probably have never seen the home.  I also have issues with out of the area agents not servicing the listing well enough simply because of their proximity to the home.  Lockboxes being empty, incorrect keys in lockboxes  and missing keys not being replaced for long lengths of time seem to be commonplace because the agent just doesn't want to make the trek all the way out the home just to replace a key. I can see no good reason to list your standard sale with an agent far away.  But, I do know that sometimes when a homeowner is facing foreclosure, they'll list their short sale with an agent from out of the area due to not wanting to work with a local agent they know.  Perhaps this is because of embarrassment for their situation.  Or because they were contacted by that agent once their Notice of Default was file and the agent kept in contact with them to list.  I completely understand that, however it does place them sometimes in a predicament. One such listing recently really got me irritated in more ways than one.  First of all, when I showed the home to my buyers, I found that I knew the sellers and had taught their daughter in Sunday School many years before.  Apparently, they were too embarrassed to come to me despite the fact that I've done hundreds of short sales right here in their local community.  Again, I have to say that I do understand and respect that.  They had found their agent through an online portal known as Redfin and contacted him to conduct their short sale.  He never came to the home and sent them paperwork to fill out through the mail with no explanation.  He also seemed to be very inexperienced in Real Estate and did not know the individual nuances of a short sale.  Luckily he was working with a 3rd party short sale negotiator who knew what he was doing and made the transaction work.  But when it came to getting paperwork completed, problems solved, and seller questions answered, I was the one doing it all.  The listing agent even had me negotiate the list of necessary repairs with the seller and "allowed" me to meet with the seller to sign all the disclosures he had sent them.  I dealt directly with the negotiator and bypassed the agent due to his obvious lack of knowledge and inexperience.  Come to find later, it was the agent's first short sale. So I must say that if you're facing foreclosure and need to do a short sale, swallow your pride and contact a local trusted agent to assist you.  It can be embarrassing to open your private financial issues with someone you know, but having someone you trust is far more important that dealing with someone far away who doesn't really care about you.  And think about how much more embarrasing it can be when an agent that knows you and cares about you shows up at your door to show your home. I even recorded a short video rant about the whole situation. Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    I need to do a Short Sale. Uh...no you don't!
    Awhile back, I was contacted by clients who were having trouble with their mortgage payment.  They were current but the inevitable was going to happen as they kept scrimping and saving to pay their bill every month.  Very soon, they felt they would soon fall behind so they called upon me to meet with them and list their home as a short sale. As I sat at their dining room table, I explained the entire process and went over every detail so they would be fully prepared for the short sale process.  Then they provided me with all the paperwork I had requested in our short telephone interview and I was surprised to see something I didn't expect.  Their payoff was less than they thought.  In fact, after further review and running the numbers right then, it appeared that they were not that far off from conducting a standard sale.  I advised them that if they could hold off until the summer when homebuying typically surges, then they may be able to sell, break even and start fresh without the negative mark on their credit.  As long as home prices continued to rise and interest stayed at historic lows, they would  most likely be okay.  Many years ago when the market was in a similar transition, I would list homes at higher values to "test-sell" the listing.  As prices rose and there was a over supply of buyers, many times the homes would sell at the higher value. So we decided to go ahead and list the home at the higher price and test the market to see if we could sell earlier.  So far, due to a shortage of homes on the market, we've had some great activity.  I'm confident we'll see an offer soon. Tomorrow, I'm meeting with clients to list their home.  They originally contacted me to do a short sale after a failed loan modification attempt.  But again, after reviewing their current payoff in relation to the market values in their area, the listing will be a standard equity sale.  Not a short sale The fast paced rise in home values has recently helped many underwater homeowners to see land in the horizon.  In fact, Zillow released their Negative Equity Report last week which stated that 1,400,000 underwater homeowners found themselves rising to the surface.  Zillow also reported that this 3rd quarter rise was the largest since Zillow began collecting it's data. Stan Humphries, the chief economist for Zillow recently stated, "Rising home prices and a greater willingness among lenders to engage in short sales have both contributed substantially to the significant decline in negative equity this quarter." This rise in home prices and equity has helped the nation's foreclosure inventory plunge again to it's lowest point since the end of 2008, according to LPS (Lender Processing Services). But the end is still not yet in sight for many.  In fact, reports show that 1 in every 5 homeowners with a mortgage are still underwater today.  Estimates show that number to be approximately 10,800,000 homes currently with negative equity.  And there's more possible good news coming from Freddie Mac and Fannie Mae who both just announced that they'll be changing their loan servicing guidelines to help more borrowers avoid the dreaded foreclosure while assisting with the completion of a short sale. Zillow's Humphries went on to say, "We should feel good that we're moving in the right direction and at a fast clip". We shall see as many more underwater homeowners begin to find them selves afloat again!Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    Happy Thanksgiving!
    I've been teaching Sunday school at The Sunday night service of my church in Riverside for nearly 16 years. Every Sunday night before Thanksgiving Day, I always talk about the real reasons behind the Thanksgiving holiday. It never ceases to amaze me how many kids in my fourth & fifth grade combined class know very little about what Thanksgiving really is. Therefore, in light of that lack of knowledge in our children, I felt compelled to go ahead and add the same lesson I taught last Sunday night to my blog for this evening. Many of you may already knowthe story but some may not so I hope I can help as you go tomorrow to celebrate Thanksgiving with your family and friends tomorrow.When the pilgrims and their native friends held their celebration feast, it was to honortheir Lord whom the believed brought them through that perilous journey and firstyear in the colony for they were a very religious people. They were Christian. You may have been taught that the pilgrims came to the "New World" to escape religious persecution and you would be right. But there's a more important reason that was in the heart and minds of those that sailed on the Mayflower. In order to understand the main reason for making the 66 day trek across the ocean, we must know what was the motivation behind those that made the trek.On November 11th, 1620 the Pilgrims or Separatists as they were called, gathered andsigned the Mayflower Compact. In essence, it was a contract between the settlersconsenting to follow the Compact's rules to ensure order and saftey for the colony.Below are the words written and agreed to that day. "In the name of God, Amen. We, whose names are underwritten, the loyal subjects of our dread Sovereign Lord King James, by the Grace of God, of Great Britain, France, and Ireland, King, defender of the Faith, etc. Having undertaken, for the Glory of God, and advancements of the Christian faith and honor of our King and Country, a voyage to plant the first colony in the Northern parts of Virginia, do by these presents, solemnly and mutually, in the presence of God, and one another, covenant and combine ourselves together into a civil body politic; for our better ordering, and preservation and furtherance of the ends aforesaid; and by virtue hereof to enact, constitute, and frame, such just and equal laws, ordinances, acts, constitutions, and offices, from time to time, as shall be thought most meet and convenient for the general good of the colony; unto which we promise all due submission and obedience. In witness whereof we have hereunto subscribed our names at Cape Cod the 11th of November, in the year of the reign of our Sovereign Lord King James, of England, France, and Ireland, the eighteenth, and of Scotland the fifty-fourth, 1620."It is within the second paragraph of the compact that we gain special insight to themotivation of these men and women. Knowledge as to what was behind their drive anddetermination to undertake such a perilous journey."Having undertaken, for the Glory of God, and advancements of the Christian faith and honor of our King and Country, a voyage to plant the first colony in the Northern parts of Virginia..."You see, the journey was far more than just escaping the religious persecution of their day. It was answering the call and following the direction of their Lord whocommanded them to "Go into all the world and preach the Gospel to all creation" - Mark 16:15It was this drive that spurred them on. And it was to their God that they gathered together to give thanks on that very first thanks giving day celebration, which most historical accounts say lasted 3 days.So I say to my Sunday school kids every year that when they eat the turkey, when they chowdown on the potatoes, and when they devour the pumpkin pie; never ever forget the realreason we celebrate. And the real person we give Thanks to.Happy Thanksgiving to you all!Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com

    To Stage or Not to Stage. What Do You Say?
    I write this with no real chosen opinion on the matter.  I've been in Real Estate since 1993 and have been involved with numerous transations.  I've often had the chance to market vacant homes since we've had numerous bank repo accounts.  Of all the bank repo assignments, not one of them were ever staged.  Cleaned, yes.  New carpet, new appliances and paint?  Many times.  Especially for the Freddie Mac assignments.  But never staging. When the market shifted and we as a team began to shift as well, to flipping homes, we would stage somewhat.  No furniture, nothing extravagant or expensive.  Merely some towels, candles and decorations in the bathrooms, and perhaps a cookbook and some kitchen utensils in the kitchen.  But just a few items to make the place a little warmer. After several 1,000 un-staged sales of repos assignments and flip properties over the past 20 years, I wonder if staging really helps.  Does the cost of staging really improve the bottom line?  Does it really make that much of a difference? I do know that cluttered homes are harder to sell.  And de-cluttering always helps make the home look more open.  I also understand that vacant homes can be drab and cold.  But with a vacant home, a "blank slate", I know people who can see the possibilities.  Does having some furniture and decorations change that?  Do they get in the way of the imaginative?  I'm curious to know what my colleagues have to say.  Please feel free to comment with your various experiences.  I want to know. Ray Wright - Inland Empire Realtor Are you a seller interested in knowing the value of your home? CLICK HERE FOR YOUR HOMES VALUE Are you a buyer looking for a home? CLICK HERE TO SEARCH ALL AVAILABLE HOMES CLICK HERE TO READ WHAT OTHERS HAVE SAID ABOUT MY SERVICES! Foreclosure Prevention Help! By the way, if you or someone you know is at risk of losing a home to foreclosure, please know that there are options available to avoid this devastating circumstance. And know that there is someone here you can trust to help. As a Certified Pre-Foreclosure Specialist & a H.E.L.P. Certified Specialist, I understand the "ins-and-outs" of Short Sales and Loan Modifications. I am also a Wachovia and World Bank trained Pre-Foreclosure expert and well educated in the Government?s H.A.F.A. and H.A.M.P. programs for helping homeowners facing foreclosure.  Contact me NOW!  951-312-3133 or email: Rayt@WrightTeamRealty.com CLICK HERE TO AVOID FORECLOSURE Ray Wright Wright Team Realty Direct: 951-312-3133 Email: Ray@WrightTeamRealty.com Find me at:  www.RayWrightSellsHomes.com