Zbigniew Galazka

Zbigniew Galazka
cell 858-888-0243
fax 866-588-6608
zgalazka@yahoo.com
www.ZbigniewGalazka.com

CA DRE License # 01876886
AZ DRE License # SA550138000

Office in California
DANUTA REALTY                    241 S TWIN OAKS VALLEY RD
SAN MARCOS, CA 92078



Member of:
National Association of Realtors
California Association of Realtors
San Diego Association of Realtors

 

Short Sale
Short Sale can occur when the proceeds from the sale of the property is less than the current amount of the loan. Short Sale is generally used to prevent the foreclosure process. In most cases the bank will allow the Short Sale when it comes to the conclusion that the financial loss will be smaller than in the case of foreclosure. The owner of such a property will also benefit, because will avoid the negative impact of the foreclosure process on his credit history. In short, Short Sale is the process of negotiations with the bank the possibility to sell their property for less than the current amount of the loan.

 

Foreclosure
Foreclosure is a legal proceeding in which the default borrower is extinguished of all rights, title and interest on the underlying property.

 

REO
REO or Real Estate Owned most commonly refers to property owned by a lender from foreclosure of mortgages or trust deeds. The property is usually for sale.

 

 

 Equal Housing Oportunity

 

Welcome
    Regardless of whether you want to buy a house and take advantage of a great opportunity offered by short sale deals or you want to sell your property, you need an experienced agent who will help you in this rather complicated process. You can now buy your dream home saving lots of money or buy a property which you couldn't afforded before. Sometimes the whole process takes much more time and always good negotiations skills, but you need to remember that in addition to the contract between the seller and the buyer, the transaction must still be approved by the bank. It is my job to help you take advantage of the opportunities and assist you in getting desired results as quickly as possible. Let my knowledge, experience and extensive network work for you.
If you have any questions, please contact me any time.

News      05-14 -2012
Survey says? Last weeks economic report calendar may have been light, but some important surveys revealed key data to note. Read on for the details...and how home loan rates fared.
  As you can see in the chart, the   National Association of Realtors (NAR)   said that of the 146 Metro cities   surveyed, home prices rose in 7 4 of   them in Q1 2012. This is up from 29   cities that saw an increase in home   prices in Q4 2011. In addition, the NAR   also said that inventories for existing   homes fell 22% since this time last year   and are down 41% since the peak in mid-2007. While the housing market has a long way to go, this report was a nice step in the right direction.
There was also news from the National Federation of Independent Business, which said that its small business optimism index gained 2% in April as the survey revealed that companies have increased plans for hiring and investing in the future. While companies added new employees at a slower pace in April than in March, the index rose to 94.5 the highest level since February of 2011. Overall, though, the report showed that our economy is improving but is still fragile.
An other big reason that Bonds and home loan rates have been improving is the fresh round of uncertainty out of Europe. France elected a new president, and this change of the guard represents the ninth EuroZone leader swap since the financial crisis began. Greece is also back in the news and their citizens are not taking to the austerity measures either. The New Democracy government, a pro-bailout party, is having trouble gathering the support to rule the government. This has sparked some safe haven trading into our Bonds, as investors see our Bonds as a safe place for their money.
The bottom line is that now continues to be a great time to purchase or refinance a home, as home loan rates remain near historic lows.
Let me know if I can answer any questions at all for you or your clients


Realtor Logo