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They had some hard knocks and medical bills but always paid their debts while on a fixed income and maintained a credit score of 630 which isnt excellent but pretty good. Although they were never late on their San Ramon home they were a couple times late on some small bills recently because of the extraenous bills that popped out of nowhere so their credit score went down around the low 600's. They suddenly got struck with these unexpected bills for their son that they couldn't cover and the only way they could get out of it was to borrow against their San Ramon home or sell it.
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size=-1>The Perfect Flyer</B> </SPAN></FONT></A></TD></TR><TR>
<TD><IMG height=4 alt="" src="Skin_Files/spacer.gif" 
width=1></TD></TR></TBODY></TABLE><FONT face="Arial, Helvetica" size=1>The key factors to THE perfect flyer?

90% of all Real Estate Flyers DO NOT market your property correctly!

M any buyers may like your home but don't think they can afford it. Most of these buyers are first time buyers and they lack the knowledge and resources to maximize their buying experience.

By quickly improving their credit score, finding "hidden piggy banks" to increase their down payment, and getting them approved for loans they would not be aware are out there to make the purchase more affordable , it turns what uneducated agents would try to convince you were "lookers" into BUYERS of your home for more than you'd expect!!! 
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<TD><IMG height=4 alt="" src="Skin_Files/spacer.gif" 
width=1></TD></TR></TBODY></TABLE><FONT face="Arial, Helvetica" size=1>In the old days Realtors got paid by representing you with buyers and basically "clerk" the deal by not really fighting for you but rather being a glorified referee. They would advertise it , have an open house, or a caravan (where fellow realtors tour the house so they could tell their prospective buyers that might be interested). When they recieved offers they would present them to you and negotiate for you by going back and forth. With the market the way it is to where houses sell themselves if priced on the medium or low side then what is the realtor really doing to earn your money?
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<TD><IMG height=4 alt="" src="Skin_Files/spacer.gif" 
width=1></TD></TR></TBODY></TABLE><FONT face="Arial, Helvetica" size=1>Mortgages for commercial deals can be funded if you know how to write a successful presentation.
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size=-1>Credit Info</B> </SPAN></FONT></A></TD></TR><TR>
<TD><IMG height=4 alt="" src="Skin_Files/spacer.gif" 
width=1></TD></TR></TBODY></TABLE><FONT face="Arial, Helvetica" size=1>Your credit score is based on the information contained in your credit report.
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size=-1>Fico Scores Effect Purchasing</B> </SPAN></FONT></A></TD></TR><TR>
<TD><IMG height=4 alt="" src="Skin_Files/spacer.gif" 
width=1></TD></TR></TBODY></TABLE><FONT face="Arial, Helvetica" size=1>FICO&#0174; scores were developed by Fair Isaac & Company, Inc. for each of the credit repositories.
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<TD><IMG height=4 alt="" src="Skin_Files/spacer.gif" 
width=1></TD></TR></TBODY></TABLE><FONT face="Arial, Helvetica" size=1>You have a right to do with the land as you please, subject to restrictions imposed by law.
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<TD><IMG height=4 alt="" src="Skin_Files/spacer.gif" 
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size=-1>Property Investment</B> </SPAN></FONT></A></TD></TR><TR>
<TD><IMG height=4 alt="" src="Skin_Files/spacer.gif" 
width=1></TD></TR></TBODY></TABLE><FONT face="Arial, Helvetica" size=1>Is Real Estate A good Investment?  This report will try to answer that question.
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size=-1>Property Trust(s)</B> </SPAN></FONT></A></TD></TR><TR>
<TD><IMG height=4 alt="" src="Skin_Files/spacer.gif" 
width=1></TD></TR></TBODY></TABLE><FONT face="Arial, Helvetica" size=1>The REIT Story Real Estate Investment Trusts (REITs) were created by Congress in 1960 but played a very limited role in real estate investment for more than three decades.
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<TD align=top><MARQUEE onmouseover='this.stop();' onmouseout='this.start();'direction='up' scrollamount='1' scrolldelay='40' top='100' left='0' width='365' height='200' id=mymarquee name=mymarquee class=vertscroll><FONT SIZE='-1'><table style=position:relative;top:-150><tr><td valign=top><br><br><A HREF='HomeDetail3.asp?searchid=40003060&foldernum=0'><img src='my_listings/40003060_8.jpg'  onerror='this.src="images/notavailable1.jpg"' border=0 width=125></A><center><small>[click image for info]</center></small><BR><center><B>$449,950.00</center></b></td><td width=5></a></td><td valign=top><B>2449 Mahan Way</B><hr><small><span class=scrolltext>Beautiful Tara Hills home with views of the Bay!  3 car garage with fabulous bonus room addition, gourmet kitchen and much more!  ..[<a href='HomeDetail3.asp?searchid=40003060&foldernum=0' style=text-decoration:none>more</a>]<HR><b>MULTIPLE PICTURES</B></span></small></td></tr></table><BR><BR><FONT SIZE='-1'><table style=position:relative;top:-150><tr><td valign=top><br><br><A HREF='Homedetail2.asp?cartlookup=yes&PropID=MLS5538749801&foldernum=0'><img src='http://webcontentsolutions.net\MLSImages_LG\/40299238.jpg'  onerror='this.src="images/notavailable1.jpg"' border=0 width=125></A><center><small>[click image for info]</center></small><BR><center><B>$199,000</center></b></td><td width=5></a></td><td valign=top><B>709 East YorkShire</B><hr><small>
                    
                    Property Type: Single Family Home
                    Single Family Property, Area:  San Joaquin County, Subdivision:  SAN JOAQUIN COUN, Approximately 0.14 acre(s), Lot is 6098 sq. ft., Year&#160;...&#160;
                    </small></td></tr></table><BR><BR><FONT SIZE='-1'><table style=position:relative;top:-150><tr><td valign=top><br><br><A HREF='Homedetail2.asp?cartlookup=yes&PropID=MLS5894194901&foldernum=0'><img src='http://webcontentsolutions.net\MLSImages_LG\/40320708.jpg'  onerror='this.src="images/notavailable1.jpg"' border=0 width=125></A><center><small>[click image for info]</center></small><BR><center><B>$319,000</center></b></td><td width=5></a></td><td valign=top><B>394 ILO LANE 202</B><hr><small>
                    
                    Property Type: Condo/Townhouse/Co-Op
                    Spectacular remodel!! Over $40,000 in upgrades-gorgeous kitchen w/ island, bamboo flooring and custom cherry cabinetry...it's a 10!! Walking&#160;...&#160;
                    </small></td></tr></table><BR><BR><FONT SIZE='-1'><table style=position:relative;top:-150><tr><td valign=top><br><br><A HREF='Homedetail2.asp?cartlookup=yes&PropID=MLS2378449901&foldernum=0'><img src='http://webcontentsolutions.net\MLSImages_LG\/40343104.jpg'  onerror='this.src="images/notavailable1.jpg"' border=0 width=125></A><center><small>[click image for info]</center></small><BR><center><B>$329,000</center></b></td><td width=5></a></td><td valign=top><B>1131 SAN RAMON VALLEY BLVD</B><hr><small>
                    
                    Property Type: Condo/Townhouse/Co-Op
                    Condo/Townhome/Coop Property, Area:  San Ramon, Subdivision:  DANVILLE GREEN, County:  Contra Costa, Approximately 0.02 acre(s), Lot is&#160;...&#160;
                    </small></td></tr></table><BR><BR><FONT SIZE='-1'><table style=position:relative;top:-150><tr><td valign=top><br><br><A HREF='Homedetail2.asp?cartlookup=yes&PropID=MLS9218759901&foldernum=0'><img src='http://webcontentsolutions.net\MLSImages_LG\/40343993.jpg'  onerror='this.src="images/notavailable1.jpg"' border=0 width=125></A><center><small>[click image for info]</center></small><BR><center><B>$370,000</center></b></td><td width=5></a></td><td valign=top><B>239 ASHLEY CIR</B><hr><small>
                    
                    Property Type: Condo/Townhouse/Co-Op
                    Condo/Townhome/Coop Property, Area:  San Ramon, Subdivision:  WALNUT FOREST, County:  Contra Costa, Year Built: 1972, Single story, Garage,&#160;...&#160;
                    </small></td></tr></table><BR><BR><FONT SIZE='-1'><table style=position:relative;top:-150><tr><td valign=top><br><br><A HREF='Homedetail2.asp?cartlookup=yes&PropID=MLS7569069901&foldernum=0'><img src='http://webcontentsolutions.net\MLSImages_LG\/40344342.jpg'  onerror='this.src="images/notavailable1.jpg"' border=0 width=125></A><center><small>[click image for info]</center></small><BR><center><B>$395,000</center></b></td><td width=5></a></td><td valign=top><B>639 Kendall Way</B><hr><small>
                    
                    Property Type: Single Family Home
                    Single Family Property, Area:  Hayward, Subdivision:  HAYWARD, Approximately 0.16 acre(s), Lot is 7252 sq. ft., Year Built: 1951, Single&#160;...&#160;
                    </small></td></tr></table><BR><BR><FONT SIZE='-1'><table style=position:relative;top:-150><tr><td valign=top><br><br><A HREF='Homedetail2.asp?cartlookup=yes&PropID=MLS6985885901&foldernum=0'><img src='http://webcontentsolutions.net\MLSImages_LG\/40324185.jpg'  onerror='this.src="images/notavailable1.jpg"' border=0 width=125></A><center><small>[click image for info]</center></small><BR><center><B>$399,900</center></b></td><td width=5></a></td><td valign=top><B>1107 SAN RAMON VALLEY BLVD</B><hr><small>
                    
                    Property Type: Condo/Townhouse/Co-Op
                    Condo/Townhome/Coop Property, Area:  San Ramon, Subdivision:  Not Listed, County:  Contra Costa, Approximately 0.02 acre(s), Lot is 1050&#160;...&#160;
                    </small></td></tr></table><BR><BR><FONT SIZE='-1'><table style=position:relative;top:-150><tr><td valign=top><br><br><A HREF='Homedetail2.asp?cartlookup=yes&PropID=MLS4292104901&foldernum=0'><img src='http://webcontentsolutions.net\MLSImages_LG\/40317237.jpg'  onerror='this.src="images/notavailable1.jpg"' border=0 width=125></A><center><small>[click image for info]</center></small><BR><center><B>$399,900</center></b></td><td width=5></a></td><td valign=top><B>830 Podva Road B</B><hr><small>
                    
                    Property Type: Condo/Townhouse/Co-Op
                    Condo/Townhome/Coop Property, Area:  San Ramon, Subdivision:  Not Listed, County:  Contra Costa, Approximately 0.01 acre(s), Lot is 560&#160;...&#160;
                    </small></td></tr></table><BR><BR><FONT SIZE='-1'><table style=position:relative;top:-150><tr><td valign=top><br><br><A HREF='Homedetail2.asp?cartlookup=yes&PropID=MLS1992079901&foldernum=0'><img src='http://webcontentsolutions.net\MLSImages_LG\/40344897.jpg'  onerror='this.src="images/notavailable1.jpg"' border=0 width=125></A><center><small>[click image for info]</center></small><BR><center><B>$414,900</center></b></td><td width=5></a></td><td valign=top><B>305 SYCAMORE HILL CT</B><hr><small>
                    
							New this week!
						
                    Property Type: Condo/Townhouse/Co-Op
                    Condo/Townhome/Coop Property, Area:  San Ramon, Subdivision:  SYCAMORE HILLS, County:  Contra Costa, Approximately 0.05 acre(s), Lot is&#160;...&#160;
                    </small></td></tr></table><BR><BR><FONT SIZE='-1'><table style=position:relative;top:-150><tr><td valign=top><br><br><A HREF='Homedetail2.asp?cartlookup=yes&PropID=MLS1365927901&foldernum=0'><img src='http://webcontentsolutions.net\MLSImages_LG\/40329902.jpg'  onerror='this.src="images/notavailable1.jpg"' border=0 width=125></A><center><small>[click image for info]</center></small><BR><center><B>$424,750</center></b></td><td width=5></a></td><td valign=top><B>826 Podva Road A</B><hr><small>
                    
                    Property Type: Condo/Townhouse/Co-Op
                    Condo/Townhome/Coop Property, Area:  San Ramon, County:  Contra Costa, Approximately 0.01 acre(s), Lot is 560 sq. ft., Year Built: 1974,&#160;...&#160;
                    </small></td></tr></table><BR><BR><FONT SIZE='-1'><table style=position:relative;top:-150><tr><td valign=top><br><br><A HREF='Homedetail2.asp?cartlookup=yes&PropID=MLS0037764901&foldernum=0'><img src='http://webcontentsolutions.net\MLSImages_LG\/40319910.jpg'  onerror='this.src="images/notavailable1.jpg"' border=0 width=125></A><center><small>[click image for info]</center></small><BR><center><B>$429,000</center></b></td><td width=5></a></td><td valign=top><B>613 GARDEN CREEK PL</B><hr><small>
                    
                    Property Type: Condo/Townhouse/Co-Op
                    Condo/Townhome/Coop Property, Area:  San Ramon, Subdivision:  GARDEN CREEK, County:  Contra Costa, Approximately 0.03 acre(s), Lot is 1316&#160;...&#160;
                    </small></td></tr></table><BR><BR></MARQUEE> </TD>
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