Another great place—Gold Vines Grill in Somerset,Cal. on Wed. night. It’s locals night. The foothills offer great food and gormet style too!!!!

http://realtytimes.com/156/DianeHall

This Newsletter is full of interesting and useful information that I think you will enjoy whether you are a buyer, seller, homeowner, or renter.

This month’s issue includes topics such as:

“You Can’t Keep A Good Homebuyer Down”;
“Sellers: Moving Forward”;
“The Joys of Homeownership”;
“Time to Move Up?”;
“Green Living: Saving Energy This Season”;

Plus a roundup of October real estate activity as well as much more advice and information.

I hope you enjoy this monthly newsletter. If you have any comments, please e-mail them to me. Or, if you would like to see a certain topic covered in future months, let me know that too

It is important for you as a prospective buyer to be as clear as possible about your needs. You need to have decided how much you can comfortably spend, so we will know how to facilitate your home search. A prequal with a Lender is the best way to know the answer .We won’t take you through a three-story colonial with a top floor master suite if you want to avoid climbing up and down stairs! Establishing clear communication with our clients helps us save you hours of unfocused house hunting.

We need the best detailed Criteria, right down to how many animals, children, how much to spend, areas preferred, acres, schools, square feet of a home, number of Bed/baths, how far to work, are all questions that can help us become a your Search Specialist ,and find the right property for you.
Our web site’s is filled with information; please feel free to visit it often

Hello All,
Well, the nights are getting chilly, mother nature always lets us know when to bring in the wood, get the candels and oil for the lamps. As Fall comes in we thank Summer for a glorious ride—-Homes are still the best deal anywhere—let me show you—–

Here is a link to my “October Real Estate Update”:

http://realtytimes.com/155/DianeHall

This Newsletter is full of interesting and useful information that I think you will enjoy whether you are a buyer, seller, homeowner, or renter.

This month’s issue includes topics such as:

“Tips for Selling Your Home Before the End of the Year”;
“Energy Tax Credit Facts”;
“Wire Your Home to Sell”;
“Tips to Increase Home Appeal”;
“Painting on a Foundation for Seasonal Home Decor Changes”;

Plus a roundup of September real estate activity as well as much more advice and information.

I hope you enjoy this monthly newsletter. If you have any comments, please e-mail them to me. Or, if you would like to see a certain topic covered in future months, let me know that too!

If you do not wish to receive this Newsletter each month, please reply to this e-mail with the word ‘REMOVE’ in the subject line.

Sincerely,
Dianne Broussard

http://realtytimes.com/153/DianeHall

This Newsletter is full of interesting and useful information that I think you will enjoy whether you are a buyer, seller, homeowner, or renter.

I hope you enjoy this monthly newsletter. If you have any comments, please e-mail them to me. Or, if you would like to see a certain topic covered in future months, let me know that too!

Ciao, Ciao, Tutti…..and Happy Autumn!

The weather is holding steady for the next few days, keeping the grapes happy while extending our heirloom tomato season….yay!  The grape growers are happy and we get to enjoy just one more caprese.….perfetto!

As the fall harvest approaches and the weather begins to change, its a good time to finish old business and create new….and celebrate the change.……Giovanni has already begun to shift the menu for early fall……

We’ve also done our part in celebration of the astronomical magic surrounding even hours of daylight and darkness by getting our cooking classes back in gear.  We’re creating a great ‘touring’ schedule, so I will keep you posted….

We’ve also set dates for our Spring 2012 Italy Tour, but first, the cooking class details:

‘Celebrating Autumn’ with Chef Giovanni
 
When: Saturday, October 8, 2011~1-4 pm
 
Where:  The Patio at Skinner Winery
 
Cost: $45 per person
 
The Menu:
 
Mushroom and Peach Bruschetta

Skinner Viognier
Walnut~Mushroom~Truffle Salad

Skinner Grenache
Blueberry~Mushroom Lasagna

Skinner Syrah
Friulian Apple Tart

Skinner Seven Generations

(Notice the fab mushroom and apple theme!)

Also take at look at the latest real estate news

Here is a link to my “May Real Estate Update”:

http://realtytimes.com/150/DianeHall

This Newsletter is full of interesting and useful information that I think you will enjoy whether you are a buyer, seller, homeowner, or renter.

This month’s issue includes topics such as:

“Competitive Tips for Buyers”;
“Sell Your Home Now With These Tips”;
“Choosing Your Dream Home”;
“Power Saving For A Down Payment”;
“Real Estate Outlook: Jobs and Housing”;

Plus a roundup of April real estate activity as well as much more advice and information.

I hope you enjoy this monthly newsletter. If you have any comments, please e-mail them to me. Or, if you would like to see a certain topic covered in future months, let me know that too!

If you do not wish to receive this Newsletter each month, please reply to this e-mail with the word ‘REMOVE’ in the subject line.

28 acres with Vineyard Picturesque Vineyard in the heart of the Fairplay Wine area. Approximately 9+ acres of grapes. Includes storage and equipment buildings. Fronts on both Fairplay and Omo Ranch Rds. making this one of the best locations for a winery and tasting room in El D Type: vineyard property Location: 8460 Fairplay Road Price: $629,000 Get more information >

Located on the corner of South Sacramento and Market Street in the town of Ione, you may notice a new real estate sign, Hall and Associates Real Estate. Andy Hall and his partner Diane have actually been in the real estate industry since 1990. Andy Hall, owner broker, has another office in Placerville, on Pleasant Valley Road. Andy and Diane specialize in country

Hall and Associates Real Estate in Amador and El Dorado Counties

properties including horse and vineyard properties in El Dorado and Amador Counties. Andy lives in the little house in Ione and decided to make it his home office, offering the people of Ione an easy place to come for real estate advice, sales or service. Andy welcomes visits and enjoys helping people find their dream homes. Now is a great time to buy and Andy has helped many people with residential homes or investment properties. Service is his motto. Please visit their web sites — www.Premiervalleyrealestate.com -www.RanchesHomesandLand.com.—-www.RanchandVines.com– or call for an apt. 209-217-7707—209-680-4033

For those of you interested in buying and rehabbing houses to sell again……Here is some news just for you or for someone you know who could use this information.

As of February 1, 2010 and lasting for one year unless extended the anti-flipping policy on homes sold in less than 90 days is lifted.

That means an investor can buy and home and flipit right away and the buyer can use an FHA loan.

Most likely the date of the contract would have to be February 1, 2010 or later.

There are conditions you should be aware of which I have sent in an attachment above.

Call me if you have questions and remember…….I am here to keep you informed, help you succeed and have a seemless transaction from start to finish !

Sincerely.

Diane Hall

The text of HUDs press release is reproduced below:

Pursuant to §7(q) of the Department of Housing and Urban Development Act (42 USC 3535 (q)) and 24 CFR 5.110, I hereby waive §203.37a(b)(2) of the regulations. The regulations at 24 CFR §203.37a(b)(2) provide that a mortgage for a property will not be eligible for FHA insurance if the contract of sale for the purchase of the property is executed within 90 days of the prior acquisition by the seller, and the seller does not come under any of the specific exemptions that apply to the 90-day rule.

This waiver, which takes effect on February 1, 2010, is limited to those sales meeting the following conditions:

All transactions must be arms-length, with no identity of interest between the buyer and seller or other parties participating in the sales transaction. Some ways that the lender can ensure that there is no inappropriate collusion or agreements between parties is to assess and determine the following:

• The seller holds title to the property;
• LLCs, corporations, or trusts that are serving as sellers were established and are operated in accordance with applicable state and Federal law;
• No pattern of previous flipping activity exists for the subject property, as evidenced by multiple title transfers within a 12-month time frame (chain of title information for the subject property can be found in the appraisal report);
• The property was marketed openly and fairly, via MLS, auction, For Sale by Owner offering, or developer marketing (any sales contracts that refer to an “assignment of contract of sale,” which represents a special arrangement between seller and buyer may be a red flag).

In cases in which the sales price of the property is 20 percent or more over and above the seller’s acquisition cost, the waiver will only apply if the lender:

• Justifies the increase in value by retaining in the loan file supporting documentation and/or a second appraisal which verities that the seller has completed sufficient legitimate renovation, repair, and rehabilitation work on the subject property to substantiate the increase in value or, in cases where no such work is performed, the appraiser provides appropriate explanation of the increase in property value since the prior title transfer: and

• Orders a property inspection and provides the inspection report to the purchaser before closing. The lender may charge borrower for this inspection. The use of FHA-approved inspectors or 203(k) consultants is not required. The inspector must have no interest in the property or relationship or with the seller, and must not receive compensation for the inspection from any other party than the lender. Also, the inspector may not compensate anyone for the referral of the inspection. Additionally, the inspector may not receive any compensation for referring or recommending contractors to perform any repairs recommended by the inspection, and may not be involved with performing any repairs recommended by the inspection.

At a minimum, the inspection must include:

• The property structure, including the foundation, floor, ceiling, walls and roof;

• The exterior, including siding, doors, windows, appurtenant structures such as decks and balconies, walkways and driveways;

• The roofing, plumbing systems, electrical systems, heating and air conditioning systems;

• All interiors; and All insulation and ventilation systems, as well as fireplaces and solid-fuel-burning appliances.

The waiver is limited to forward mortgages, and does not apply to the Home Equity Conversion Mortgage (HELM) for Purchase program.