Welcome!

Terrylynn Fisher, CSP Realtor
SRES, CRS, GRI, EcoBroker, LGLS CP, RCS-D
Dudum Real Estate Group
CalBRE #00615420
925.876.0966 cell
925.672.6764 office
925.887.6614 fax
Email Terrylynn

qrcode

MHA Ad 160x600


"Terrylynn - I want to thank you so very much for all your help. You were wonderful. We could not have done it without you! I have already recommended you to several people and will continue to do so."
- Kelly & Spencer

We've committed to Meatless Monday!

I have been speaking of late at local groups about Green, Sustainable organizations and what’s going on locally (which is a lot). My philosphy is that we all have to start where we are… whatever brings us to the awareness that we can do something starting from where we are today. We are all in this together, I don’t know of another planet that will support us, so making small changes en masse is a great way to make a difference. Along those lines, my slogan is “to do more tomorrow than I did today”… baby steps. It’s actually kind of fun to look for the next thing you can do that will not change your quality of life drastically but will make a big difference in impact locally and beyond.

Get your Meatless Monday Kit!As my daughter (Chris) and granddaughter (Rhiannon) are vegetarians, we are familiar with eating meatless, however we tend to fall back on the regular meat meals when we are rushed. Chris introduced us to the Meatless Monday (global movement!), and we have committed to going meatless at least one day a week. It’s really not that hard and it makes a big difference!

Now, does my husband (Bob) want Steak Saturday sometimes? Turkey Thursday? Sure. Are we going Cold Turkey (pun intended). No. We are committing to Meatless Monday. Check out their great website and all the yummy recipes.

A good way to start is to adapt your favorite chili or spaghetti sauce or other recipe and make it without the meat, often you can eat it just like that or add chunky chopped vegetables and/or beans and the taste and texture is not compromised. Let me know if you have any terrific recipes you have tried and liked!

A bit of information from their site:

“WHAT IS MEATLESS MONDAY?

An international movement to help people reduce their meat consumption by 15% to improve personal health and the health of the planet. We are a non-profit initiative of The Monday Campaigns, in association with the Johns Hopkins Bloomberg School of Public Health.

WHY MEATLESS?

On average, Americans consume 8 ounces of meat per day – 45% more than the USDA recommends. Going meatless once a week can reduce your risk of chronic preventable conditions like cancer, cardiovascular disease, diabetes and obesity. It can also help limit your carbon footprint and save precious resources like fresh water and fossil fuel.

WHY MONDAY?

Multiple studies have shown that periodic health prompts lead to positive behavior change. Monday is the beginning of the week, making it the perfect time to reevaluate our choices and set our intentions for the coming days. With a Meatless Monday, you have a scheduled, recurring reminder to start your week off on a nutritious note. And if this Monday passes you by, next week is another opportunity to focus on health!”

 If we can do it, anyone can!

- Terrylynn

 


 

 DRE #00615420

 Terrylynn has been a Realtor in Contra Costa County for over 30 years.  She works   with Empire Realty. Terrylynn is a local expert, who believes in specializing for better service to her clients.  She gives talks on Foreclosure Alternatives, Make Home Affordable Programs, Home Staging Consults before you Sell, and is a Senior Real Estate Specialist, Real Estate Collaborative Specialist-Divorce, Certified Residential Professional, EcoBroker and any more. There is no silly question, call now for advice and counsel about your real estate investment.  Click here for a question about the area.  Visit www.BuyStageSell.com to learn more about Terrylynn and her team of Real Estate Professionals and Staging Professionals.  We even stage our short sales! Why?  Because it works.    925 8760966  www.BuyStageSell.com

Share

How will I know when I find the right property? Says the prospective buyer.

Have you ever been asked what your strategy was when you showed a number of homes and why did you show “the one” 4th or 6th or 1st?    Somehow the buyer thinks that you are leading them to the home they will choose.  When in reality they lead you to the home they will choose.  It’s all about listening and reading between the lines.  It is knowing your market well enough to have an idea how much of the wish list you can find in their price range, preparing them for an emotional connection and for convincing you when they find it that it’s the right one.  Yes, they talk me into which property they are going to buy…but that’s another post.     

Generally I tell them that the first time out I want to see and hear how they react to homes that they see and that it helps me to narrow the field and zone in on those homes that might be a good match for them when I’m out and about searching for homes for them when we are not together.  First, it takes the pressure off of them feeling they’ll have to make a decision before they are ready.  And relieves the pressure of the underlying misconception that ”Realtors pressure people into buying homes“.  Second, If I can hear their thought process and their respective opinions, I learn which things might be wants vs. needs which are not negotiable, and I am more able to guide them toward what is possible. 

Does it always work, yes…How can I say that?  Well I can say that because buying  anything  is a process of research, education, evaluation, perhaps changing course as you learn more about it and grow in confidence and knowledge about the purchase, whatever that may be, until you end up at the destination of your choice.  We all know that that destination may not always be the one we thought it was when we started out, but it’s our destination based on making a decision to change course and keep moving forward.  I explain to them that it may happen when they are looking for homes as well.  It helps them keep an open mind and then I prepare them for other possibilities like the fact that there might be something they saw the first day out that will look like a better choice after viewing more homes and becoming educated on their price range and what amenities are available in that range.  We take a journey together… My real estate slogan is, It is your real estate journey…

I am the guide. 

I mean it, I live it and I am honored and blessed to be part of their journey, It is one of the most rewarding careers I can imagine and I love my job. 

 


 

 DRE #00615420

 Terrylynn has been a Realtor in Contra Costa County for over 30 years.  She works   with Empire Realty. Terrylynn is a local expert, who believes in specializing for better service to her clients.  She gives talks on Foreclosure Alternatives, Make Home Affordable Programs, Home Staging Consults before you Sell, and is a Senior Real Estate Specialist, Real Estate Collaborative Specialist-Divorce, Certified Residential Professional, EcoBroker and any more. There is no silly question, call now for advice and counsel about your real estate investment.  Click here for a question about the area.  Visit www.BuyStageSell.com to learn more about Terrylynn and her team of Real Estate Professionals and Staging Professionals.  We even stage our short sales! Why?  Because it works.    925 8760966  www.BuyStageSell.com

Share

What an

Question:  I want to know if I can short sale my home and have my friend (parents, boss, ex ) buy it at the lower price so I can get a new loan for a lot less and then live there and/or buy it back later? 

Answer: Let’s address the elephant in the room.  Does this question come up?  Yes people talk about and ask about this situation all the time.  It is difficult for some to swallow when their neighbor buys a home right next door at half or a third of the price they paid. Even if they can afford the payments, some people feel they should have the option to turn the current economic situation around to their advantage.

OK fair question, BUT…the way we got into this situation was a lot of mortgage FRAUD…No income or documentation required loans, and on and on.  SO to say the lender that is agreeing to accept a short sale on a property has “seen the light” and has criteria is a step in the right direction BACK…for the economy, for the lenders and for trust in the system.  Some would say too little too late, however, we are where we are.  But I digress, let’s answer your question. 

When you think about trying to have the seller stay in the home as a tenant, buy it back from a family member who might be able to afford the short sale reduced price, etc, it might seem benign enough to you.  There is likely to be a form in the final paperwork, required to be signed by buyer, seller and agents that is called “Affidavit of Arms Length Transaction”.

What does it mean “Arms Length Transaction”?  Here is the language…taken from a transaction and a requirement of closing.  In bold are comments as you read through it to clarify the intent.

Affidavit of “ARMS LENGTH TRANSACTION”

All parties to this contract hereby affirm that this is an “Arms length transaction”.

No party to this contract is a family member, business associate, or shares a business interest (really no friend, relative, acquaintance, spouse, grandparent, brother in law, adoptive anyone.  It means NO one you know!) with the mortgagee (you, seller, homeowner, anyone whose name is on the loan). Further, there are no hidden terms or special understandings between the buyer or seller or their agents or Mortgagee. (Like money, kickbacks, gifts and/or arrangements to move back in or stay in the property in any capacity including putting your kids names on the lease.)

The buyers and sellers nor their Agents have any agreements written or implied (spoken or hinted, a wink or a promise) that will allow the Seller to remain in the property as renters (you MUST move, your whole family must move, you must move everything and not move back, EVER) or regain ownership of said property (you cannot buy it back later from whomever purchases it, go on title and/or live there EVER), at any time after execution of this short sale transaction.  None of the parties shall receive any proceeds from this transaction except the sales commission. (BUYERS cannot receive credits, kickbacks or any funds from any party to the transaction unless written in as part of the contract, and approved by the short sale lender in their condition letter.  SELLERS cannot receive credits, kickbacks or any funds, gifts, gift cards, or ANY funds from any party to the transaction unless approved by the lender in writing as part of the contract and short sale lender condition letter. NO MATTER WHAT.)

You will then be asked to SIGN and AFFIRM this “Arms Length Transaction” Affidavit.  Putting your name on it says that you understand and agree that you are acting in good faith and do not intend to do any of the things that it states you will not do.  SO, don’t…

Anything outside of this agreement is considered lender fraud.  It is not worth it.  If you have a legitimate short sale and your lender has approved a kinder, gentler solution to minimize impact to your family and your credit, it’s time to move on.  There is life after a short sale (or foreclosure) and a clean break and moving forward is in order for your well being, your family and for those of us whose tax dollars are going to bail out the lending institutions and make up some of these losses. 

  

 


 

 DRE #00615420

 Terrylynn has been a Realtor in Contra Costa County for over 30 years.  She works   with Empire Realty. Terrylynn is a local expert, who believes in specializing for better service to her clients.  She gives talks on Foreclosure Alternatives, Make Home Affordable Programs, Home Staging Consults before you Sell, and is a Senior Real Estate Specialist, Real Estate Collaborative Specialist-Divorce, Certified Residential Professional, EcoBroker and any more. There is no silly question, call now for advice and counsel about your real estate investment.  Click here for a question about the area.  Visit www.BuyStageSell.com to learn more about Terrylynn and her team of Real Estate Professionals and Staging Professionals.  We even stage our short sales! Why?  Because it works.    925 8760966  www.BuyStageSell.com

Share

Support the Leukemia and Lymphoma Society by buying a 2011 calendar!

The lovely ladies of Team in Training will be posing to help you enjoy 2011 and to keep you motivated all year long! We are raising money to find a cure for cancer and 100% of the proceeds from these calendars will go to the Leukemia and Lymphoma Society.

Pre-order yours and save! $15 each if you pay before January 1st. (Calendars are being created on December 19th and should be available by the first of the year). 

Once you submit your form, you will need to click on the link below to make your donation. Orders from this form will go to support Adryon Ketcham’s Lavaman Triathalon fundraising efforts. 

The Process:

Price: Calendars cost $15 each. If you require shipping, please add the following amount to cover the cost:

  • $3 for 1-3 calendars
  • $4 for 4-6 calendars
  • $5 for 7-10 calendars

Thank you for your support!
Share

Temptation at the Cash Register. Ho Ho Ho ... You Just Lost the Chance to Close Your Loan

Gene wrote an incredibly important post about buyer’s making purchases during the process of getting a loan on your new home.  Literally you could lose the loan…please read and call me if you have questions BEFORE you buy anything.  In addition, don’t move money from one account to another, don’t do anything to alter what information was put on your original loan application.  It’s that important.  HAVE a great purchase.   

One more thing, the seller needs a buyer for a $139,000 2 bedroom, apx 1100 sq. ft. balcony, fireplace, parking for 2, and more in Concord, near Clayton Border before the end of the year or the bank will have it…The payment would include hoa and taxes and still be less than the rent we were getting for it.  If you know anyone, give a call, I’m not kidding, it’s opportunity time. 

Now read the below…and heed the good advice.  Always your advocate.  Terrylynn :-)

Via Gene Mundt (Chicago Bancorp):

     Gene Mundt Chicago Bancorp Holiday Smart Shopping Post

    

    

     You’re out doing your holiday shopping. It’s 11:45 pm .. and you’re in that store because they have exactly what you want and have been looking for … at an unbelievable price, but only if purchased during the hours of 10 pm to midnight.

    

    

      Plus, in your hand you have an additional coupon that you found at an online site. The coupon will give you a whopping and additional 10% off your purchase!

    It’s your turn up at the register and you’re feeling like a California goldminer about to hit the motherlode. The clerk behind the register now utters words that will cause a meltdown in any frugal shopper’s heart …

     “Would you like to open up a “fill in the blank” credit card to save an additional 10% on your purchase today”?

     You can feel your heart racing. You almost feel faint. But somewhere in the back of your mind is this faint voice whispering to you. It’s your damn pesky butt-inski mortgage banker’s voice. And he’s/she’s telling you … “Don’t take out any new credit or run any more credit reports without checking with me first. It could sink your loan’s approval. Hinder or stop your loan from closing”.

     Oh man … what to do? What to do? An additional 10%!

    Gene Mundt Chicago Bancorp Credit Past Due Ornament Pic

     Let’s do some simple math. Let’s say what you’re going to buy is a fairly high ticket item like a television. It’s a big one and typically well over a $1000 dollars. It’s on sale for $768.00, with another $100.00 off if you purchase it during the special late-night hours.

     You’ve got that covered and have whittled the cost to $668.00. Your internet discount coupon takes another 10% off the price, leaving a cost of $601.20. Tack the additional credit card offer … another 10% off … and you’re now buying the TV for $541.08! $541.08!!!

    

     You can feel the sweat pouring down your back. But you hear that obnoxious little voice again … whispering “Don’t do it”! Do Not Do It!! Seems you might need some common sense smack talk right about now.

     Do you really want to risk your beautiful home’s closing … lose the perfect home at the unbelievable price you negotiated? Do you want to throw away all the hard work and saving you have done for your home?

     Is forfeiting the unbelievable amount of paperwork and documentation you had to fork over during processing what you had in mind?

     You might be doing exactly that … and all for a 10% off offer that equals $60.12. Is it really worth it to you?

     I am being perfectly honest when I say, “it has happened”. Because clients didn’t weigh they’re options carefully, plan their expenditures, deny themselves, didn’t believe or follow their mortgage banker’s advice, or just temporarily lost sight of their goals … the ability to close on the house they wanted and loved so much was lost. LOST!

     So think very carefully this holiday shopping season about your credit and financial decisions should you be in the process of closing on a home … or thinking of buying a home in the near future. That small store credit card and small $60.12 in savings could mean a huge loss to you or your abilities to buy a home.

     Don’t let this holiday season’s temptations bite you. Remember your ultimate goal. Don’t save yourself OUT of your new home …

 

     * Work with a mortgage banker that offers you solid, sound advice based on over 35 years of successful mortgage banking experience and expertise. Contact me if you need mortgage lending advice and service. Cell: 708.921.6331. Email: gene@chicagobancorp.com. Or through my website: http://www.genemundt.com.

                            

www.genemundt.com

gene@chicagobancorp.com

 


Terrylynn Fisher, Your Realtor for Life

 DRE #00615420

 Terrylynn has been a Realtor in Contra Costa County for over 30 years.  She works   with Empire Realty. Terrylynn is a local expert, who believes in specializing for better service to her clients.  She gives talks on Foreclosure Alternatives, Make Home Affordable Programs, Home Staging Consults before you Sell, and is a Senior Real Estate Specialist, Real Estate Collaborative Specialist-Divorce, Certified Residential Professional, EcoBroker and any more. There is no silly question, call now for advice and counsel about your real estate investment.  Click here for a question about the area.  Visit www.BuyStageSell.com to learn more about Terrylynn and her team of Real Estate Professionals and Staging Professionals.  We even stage our short sales! Why?  Because it works.    925 8760966  www.BuyStageSell.com

Share

Congratulations!!! Six CSP Finalists for RESA Home Staging Industry Awards - What's your secret?

First, let me say this is a Congrats only post…The purpose of this post is to Congratulate 6 CSP trained stagers who are Finalists in the RESA Home Staging Industry Awards which will be awarded at the January, 2011 RESA Convention.

Chris Bird, Sally Weatherley, Jennifer Donovan-Faubert, Nancy Hoag, Monica Stanciu, Maureen Bray  GOOD job ladies.  There are a number of things I can say about this.  First all of your experiences have brought you to this point and you have much to be proud of.  I hope you’ll take a moment just to relish in that fact alone.  You are finalists in your category.  Distinguishing yourselves through your work and voted on by your peers.  That has got to be rewarding in and ofMe-photo-exit_stage_right-sofa itJennifer Donovan-Faubertself._dsf5587_crop  Monica_1See full size image

Next you are doing the work you love and choose to do, how much better than that does it get?  To do what you do best and receive recognition and accolades, Priceless.

I for one am proud of you and how you represent the staging and real estate industry.  I’d be proud to introduce you to my peers and clients.  I hope I join many others in wishing you good luck and best wishes for your continued success.  In my book you are already winners.

Is it the CSP training that prepares people for successful careers as a large representation in this industry or is it that they draw nothing but the best?  Either way, I congratulate CSP for continually raising the bar and you for the continual upping the bar in your business.  CSP graduates come from all countries and all kinds of previous trainings with common threads of professionalism, commitment, integrity and continual self and business improvement.  Chritsine Rae is a former RESA Innovator of the YEAR and Product of the YEAR winner for the Staging Magazine “Staging Standard”, as well.   I can’t wait to see what they do next.

BEST of luck ladies on the awards.  Enjoy the CSP Convention on January 26, 2011…Strategize to Succeed.  Can’t wait to see what Bodine Belasco brings…I heard him at the CAR convention a couple of years ago, he’s amazing and can bring your gifts out of you like no other speaker.  Amazing talk, just suspend judgment and go along for the ride, he’ll take you to new heights in your life and business.

 


DRE #00615420

- Terrylynn has been a Realtor in Contra Costa County for over 30 years.  She works with Empire Realty in Walnut Creek and is consistently a top producer.  Terrylynn is a local expert, please contact her for any Real Estate needs, or with a question about the area.  Visit www.BuyStageSell.com to learn more about Terrylynn and her team of Real Estate Professionals and Staging Professionals, and how their award winning results can earn you more equity $$$ when you sell a home.  We even stage our short sales! Why?  Because it works.    925 8760966  www.BuyStageSell.com

Share

The Top 10 Haunted Places in California - 3 of them are in San Francisco!

Beautiful San FranciscoSince Halloween is nearing, I thought it would be interested to do an internet search for haunted places in California.  There is one in Clayton, California, and I am still looking for a good story on that. Three of Shannon McCabe’s most haunted places in California are in San Francisco!

I found:

Top 10 Most Haunted Places in California
By Shannon McCabe, President of H.P.I. (Haunted and Paranormal Investigations)
This page also offers walking tours of haunted places in California.  I have been on a Haunted Walking Tour of San Francisco in the past and it was very interesting.  You can find tours at Haunted America Tours. Shannon’s top ten most haunted places are:

10. Golden Gate Park, Stowe Lake, San Francisco, CA
“The Lady of Stowe Lake” can apparently be seen gliding along pathways surrounding the lake, can appear as an orange glow, or as a palm tree shaped figure.  I’ve never seen her, but I think that is worth checking out since I love San Francisco and live so close. I’ll let you know if I see her!

9. Queen Mary, Long Beach, CA
Apparently there are many ghosts wandering around this ship, and people have reported doors slamming and other activity.  The Queen Mary offers tours for paranormal enthusiasts.

8. Placerville, CA
Shannon says there are so many haunted places in Placerville you can walk into almost any establishment on Main Street and hear a good ghost story! Placerville is an old gold mining town with much interesting history.  I have visited some of the mines and they do feel creepy, but probably abandoned mines always feel creepy.

7. Disneyland, Anaheim, CA
A guest in the 1970s, his ghost now known as “Mr. One Way”, who died on Space Mountain is said to haunt the ride and the women’s locker room.  There have been reported apparitions in a few other locations after the park is closed.

6. Georgetown Hotel, Georgetown, CA
I’ve never visited Georgetown, it is between Auburn and Placerville so I certainly might.  The bartender said there have been sightings, as well as reports of cold spots and people hearing footsteps.

5. Queen Anne Hotel, San Francisco, CA
I believe this is the hotel where my walking tour started.  Room 410 seems to be the most haunted room in the building; one of the HPI investigators stayed there and reported not being able to open the door for some time.  Yikes.

4. Alcatraz Island, San Francisco, CA
If any place in San Francisco is haunted, this place would make the most sense.  It has a very spooky feel to it.  There are Halloween evening tours that I think would be very spooky.  Alcatraz has a weird feeling even during the day.  I wonder what the caretakers who work there have to say about ghosts!

3. The National Hotel, Jackson, CA
Built in 1862, this 33 room hotel is the longest continuously operating hotel in California. One of the investigators reported feeling repeated cold chills up her back in Room 74, supposedly the most haunted, even though it was a warm night.

2. Private Residence, Sacramento, CA
Shannon says the owners wish to remain anonymous, however have come to terms with the fact that they have several “house guests”.

1. Brookdale Lodge, Brookdale, CA
There is so much activity at the lodge that one of the employees is writing a book about it. There are secret passageways, hidden rooms, lots to explore.

Whether you believe in ghosts or not, haunted walking tours are a lot of fun.  Have a happy and safe Halloween!

- offering website design, maintenance, hosting and virtual assistance
925.212.7249
Share

Daylight Savings Time

We just had a bit of confusion in the office because the clock on the wall was pointing to 1:30pm, and the computers and iPhones were telling us it was 2:30pm.  We wondered if we had forgotten to “Fall Back”, since both of us here are easily confused on occasion.  I figured this was a good time to check out when it is time to fall back.  The correct time is 2am on the first Sunday in November!  So the clock on the wall must have been affected by yesterday’s power outtages.  Strange feeling, the day has gone by so quickly. 

Remember to “Fall Back” on November 7, 2010!

I am not a fan of DST.  I’d prefer that people who like more hours of daylight wake up an hour early and leave the rest of us alone.  Since I’m not the boss of the world, however, I guess I have to comply.  I found an interesting site about DST, which includes some of the reasons people are against it. Check it out, & let me know why you dislike (or like) Daylight Savings Time!

Another example of this office being easily confused; we have Wednesdays off.  When I arrived Thursday, Linda said, “How was your weekend?”

I replied, “Great!” It was half a day later when we realized it was not Monday.

- offering website design, maintenance, hosting and virtual assistance.
Share

The San Francisco AIDS Walk raised over $3,000,000!

 

I just received an email with this information:

“On Sunday, July 18, your team and 25,000 other caring individuals raised an incredible $3,031,551 at the 24th Annual AIDS Walk San Francisco.

This outstanding total will help San Francisco AIDS Foundation and 59 other Bay Area AIDS service organizations continue working to end AIDS in our community.  Thank you so much for being a Team Leader!  We are extremely grateful for your participation and support.”

 

That is a lot of money which helps support very good local organizations that provide education and support for our local communities.  If you went on the AIDS Walk in your area, I’d love to hear how many walkers you had and how much was raised.

 

If you’ve never been on the AIDS Walk before, you should really try to go next year.  It’s not only a good way to show your support, but it is also a lot of fun!  The walk is only 6.2 miles, in San Francisco it is in Golden Gate Park.  There is a wall to sign, quilts to look at, and they even had belly dancers at one point in the walk. 

 

I’m happy to have helped in my small way to support the work they are doing at the San Francisco AIDS Foundation!

 

 

(ps. it’s never too late to make a donation!)

Share

Empire Realty in the Contra Costa & San Ramon Valley Times!

Empire Realty was recently ranked No. 10 in the SF Business Times annual list of Largest Residential Firms in the East Bay. The list includes residential real estate firms with offices in Alameda and Contra Costa Counties and is ranked based upon gross sales for each calendar [...]

Share